{"metadata":{"transaction_key":"deprecated","request_id":"f61cfd0a-5224-4ee5-8590-f78ec09c8c1e","sha256":"8f649928a0152063a42a052816fa60b89cfe1785486516565fbdd372bce6f7aa","created":"2026-03-17T06:57:20.600Z","duration":1327.9679,"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":5811,"output_tokens":119},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6423,"output_tokens":6436},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6423,"output_tokens":868}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Glenn. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you. I had an updated advice document to go through with you this afternoon. Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your emails? If you don't, that's absolutely okay. Sorry. Yeah. That's okay. Did you want me to send that one through so you can have a look at it, or did you want me just to kinda run through it? Yeah? Perfect. Yeah. That's okay. Well, what I'll do is I'll send this one out after the call. I know we sort of spoke late last year, and I do apologize for the time it's taken to get this together. I've just been extremely busy. I've got some updated advice. We sort of had a look and wanted to go through things and update everything for you, and there's been some changes that I wanted to recently update. This is why I've kinda gone back and redone it. Just before we jump into the call there, I do need to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And I do need to do security there with you as well. We are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. Perfect. Thank you so much for that. How's your day been? I know you've been working some long hours recently. How's today gone? Yeah. Wow. Absolutely. Absolutely. And you're almost halfway through the week. It's amazing. We're already in March. This year is flying by. It's crazy, isn't it? All good. Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there. It takes take a lot of it in. Essentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial. My adviser registration number through ASIC is 1304394. Okay? The advice we have for bearing has been provided in your best interest, so we always make sure we're going through the details of updating your circumstances, looking at your goals so that we are working towards your goals moving forward. Okay? With the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you. At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week. Does that still sound fairly accurate for where you're at at the moment? Yeah. Beautiful. You are comfortable about looking looking at whether you needed to maybe start making additional contributions to Super to sort of help you along to meet that goal, and I've had a really good look, and I've made a recommendation there for you. Okay? With the estate planning side of things, I had a really good look, and it looks like we don't have a beneficiary nominal no nomination on file for your super there at the moment. So I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most effective way for you. It looks like and I had a look on file, and I can't see one applied. So we will make sure that is updated for you. Okay? All good. I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super. I wanted to make sure that you kind of get a bit of an idea of where we're heading, where we're tracking for at the moment with regard to that. You're in your fifties, so you are getting closer to those retirement years. So not only just looking at super, but kinda showing you what we're on track for based on the recommendations there. Okay? One of the things we also did talk about was the insurance side of things. So we did you did want me to go back and see if I was able to get any cover for you. I did go back and look and do a lot of research and a lot of willing and dealing with regard to the insurance side of things. Because you had a TPD claim back a while ago, it was gonna be difficult. I did speak yeah. I did speak to the insurers, and because of the reason for the TPD claim, which was the lung cancer diagnosis, they actually come back saying they're not willing to offer any cover at all. We are not even able to get life or trauma at the moment. So what I've wanted to do we tried. We we gave it our best shot. So it does mean that we are not able to make a recommendation, and we're not able to meet your insurance goal. However, because you are in your fifties, I wanted to put a bit more focus into your super. Let's boost your super to kind of close that gap. So if anything happens from the age of 60 onwards, you're able to access your super. Even before the age of 60, say, if something was to happen to you and you were to, you know, have to claim PPD and you could get the doctors to sign off on that, then we also can claim permanent incapacity against your super. So there's it's it's still leaving a bit of a gap there, but there are things that we can do down the track. So I wanted to be open and honest there, and I figured since we can't get the insurance, if we're not able to meet that goal, let's focus on Super and try to build that as much as we possibly can. Okay? With income protection, you can try, but it is gonna be very, very difficult because you do have to disclose you've had a d a TPD claim in the past. They're gonna wanna understand why that claim occurred. Disability and income protection is gonna be very difficult. In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net. If you wanted advice in other areas, because I'm a full licensed adviser, if you wanted maybe cash flow and budgeting advice to help build a savings account to give you, like, a safety net in the event that you're not working and need a bit of, you know, an emergency fund to fall back on if you wanted to look at investing outside of super and building wealth in other areas there. I can help and provide advice on those. And, I mean, when it comes, yeah, but when it comes to insurances, we kind of look at that as sort of the be on end or as the protection if something was to happen. But at the end of the day, insurances only provide a certain level of cover that can still be a gap involved. So whilst we're not able to get cover, we can look at building wealth and closing the gap in other ways for you, whether it be building savings in in a bank account somewhere or whether we're looking at investing down the track as well. So if it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those sorts of options for you. Okay? Perfect. I'll jump sort of into the recommendations. Now as you are going through this document when you are seeing it there, have a double check of your assets and liabilities. We have things noted, like your boat, your caravandy contents, and your Nissan Navara there with the current values we had noted. If you find there are changes, please do let me know. I can update everything in the back end. The good news is no changes to those affect the advice in any way at the moment. Okay. Yeah. All good. Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account. Hub 24 has been a great platform. It is working really well there for you, and there are no major changes to the platform that require us to move on out. I am obviously, because we don't have any insurances, we're not able to get any. I am also recommending that you do commence a salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the super there. Sorry. $50 per week. I do apologize. Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super. You have a really good balance at the moment. So when the advice was done up a few weeks ago, the balance in your current super was about 304,000 and 73. By increasing contributions in by that $50 on a weekly basis, you're adding after tax next to 2,210 into super on top of your employer pay contributions. So that can provide a bit more of a benefit for you down the track. And instead of having the, yeah, instead of having the money invested essentially in sorry. Instead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%. So it is tax less than five people, so you have more invested there for you working harder. Okay? Perfect. One of the things you wanted to look at when we spoke last time was maybe moving into more of a high growth portfolio. You wanted to be able to take a little bit more risk in the market to see if you can get some greater potential returns there, we are recommending that we do move you into that higher growth environment for the time being. We can always pull back and make changes and reduce that down the track if you would like to or if you feel not comfortable with it. But taking on a little bit more risk now can provide those greater potential returns. And because you're not wanting to access super until essentially the age of 65 there, you've got a bit more time. You've got over ten years time horizon to take on and see if you can get your sleep and work a little bit harder for you. So it's absolutely fine. Okay? I had a really good look at the investments, and one of the reasons it did take a little bit longer to provide the advice was we've have sort of noticed that one of the investments within your portfolio has actually been underperforming. So we've actually taken steps as part of this advice document to remove that. The Benelon Australian Equities, which was initially put in your portfolio as more of an actively managed fund, has been underperforming for the past couple of months. So as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no. We wanna remove that out. It's no longer seen as a quality investment to keep in super, and the fact that it's underperforming isn't giving you any advantages. So we are removing Ben along out. And so by putting you into that high growth environment, you'll see in the advice document all the investments that we have in there. We'll show you what we're selling and what we're gonna buy. But we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids. You had some bank hybrids in there, and they're more of a defensive investment. Over the course of the next couple of years, they are gonna be sort of phased out. So we are taking the steps to remove that as well as the Benelon equities and put that money into something that has sort of shown a a little bit more of a return and can provide you a greater benefit over the next sort of ten odd years there. Okay? Perfect. So within that high growth in portfolio, once we've completed the swap over and the changes and a bit of a rebalance on things, essentially, you'll have a bit of physical Global x physical gold in there. You'll have about 7%. Gold has been doing gangbusters over the last year and continues to do well. It's more of an alternative investment, but it is seen as growth. It does provide great growth and at times where equities aren't performing well come act defensively for your portfolio as well. You'll see a little bit of cybersecurity in there again about 7%. This is sort of reaching out of branching into other areas to try and get greater potential returns. Cyber security is still quite a big area to be invested in. As much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there. They do it does go up and down, but when you look at how The US on international equities, especially US equities, have performed over the last thirty years, they have provided greater potential returns. With the investment that you're actually in at the moment is the S and P 500, so it tracks the top 500 companies in The US. And that essentially means that whilst you're tracking the top 500, in order to be in the the S and P 500 index, they actually the index actually meets the investment committee for the index actually meets every quarter, and they determine whether in whether companies in The US are allowed to omit the criteria to stay within the index there. So if they no longer meet the in the criteria, they are removed from the S and P 500, which means that the investment you're in, which tracks the S and P 500 index, removes those investments as well. So you are always invested in the top 500 companies regardless of what is happening within The US there. Okay? We'll also have exposure to the beta sales Raffi Aussie 200. So giving you access to 200 companies in Australia. It is looking at some of the top, but it's also giving you some access to low and mid cap companies. We're replacing Benelong with the a 200, which is the Australian top 200 companies on the ASX, which is great. You'll see some global health care. Health care is a very large area, and it's not just looking at, like, doctor surgeries and hospitals and things like that. It's also looking at the IT sector within health care and the robotics around that sort of things as well. So global health care is an area to see growth in. You'll still see some of the JPMorgan Global Research enhanced equity funds. They're giving you access to global investments that have up and coming or have can show growth, and JPMorgan is a great research tool to utilize, so that investment has seen some good growth, and we'll continue to see that. And with defensive assets, because I mentioned we're moving the bank hybrids out. We're gonna put you into core composite bonds to still make sure you do have some defensive investments. These core composite bonds are giving you access to government bonds but also corporate bonds there as well, and bonds are great for income producing, which helps the compounding effect of your portfolio. So I know that's a lot to kinda go through. I try to make it fairly basic, but when you have a look at the document, you'll see what I'm talking about with those investments. Yeah. If you find you have questions, you're welcome to let me know. And in the appendix in there, we do also have links to the PDFs and the investment information, so you're welcome to always open those links and have a look at it as well. Okay? Perfect. So, essentially, with this one here, we are looking to just alter the underlying portfolio there, start the salary sacrifice of $50 on a weekly basis there and and make sure we have 24. It's important to make you aware that, obviously, this is providing a greater benefit. You're gonna be in a high growth portfolio, which has seen over the last utilizing a three year rolling average, and we have to use a three year for this one because the bank hybrids haven't shown a five year rolling average. So when we kind of look at that, the newer high growth portfolio has been greater returns utilizing the past three roll year rolling average, sorry, which can put you in a position to get greater potential returns as long as the market reacts the way we hope it does moving forward. It's really important I do let you know that by changing the investments within the portfolio, there are CDT consequences. I've got that in this table here for you. So it does show that by making the changes there, the expected CDT consequences of tax your funds will pay is about $2,032 for the changes. But we're also saving you an investment fee. So by enable by making these changes to your portfolio, it's seeing greater growth. There are other CDT consequences, but we can sort of see that we're saving about $728 for the first year in investment fees as well. So that's the benefit and the bonus for you. It basically means that your super fund's gonna do a tax return for you, and they'll have to pay capital gains tax of $2,032, but it doesn't affect you in any way, shape, or form. Yeah. All good. It's actually kinda funny. A lot of people don't realize that your super fund, the trustees in your fund, they actually do a tax return every year for you for your super. So your super has pays incomes and capital gains tax on a yearly basis. You just don't see it because it's not something you have to sign off on. So, yeah, that happens automatically every year. This will happen as well. We just have to let you know that there are, obviously, the expected tax consequences there for you. But the benefits of this is that the the investment fees within the fund, by making these changes, we expect to save you $728 for the first year on investment fees. So it's a little bit cheaper on fees for you, which is important. Yeah. All good. I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000. With your balance the way it is, you could honestly end up in that sort of direction over the next sort of five to six years, But it really just depends upon what the market does, but you will see a bit of a projection in there for you. Okay? Perfect. With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope. You still got over ten years to go. So there can be some changes, and I wanna kinda keep you on track. But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals. So we sort of talked about drawing down regular income of about 35,000 on a yearly basis there. Essentially, this is almost keeping you on track and having super last to about age 91. So you can draw certainly more money out than what we can sort of see with regards to this. It just means that the super doesn't last as long. But given, yeah, but given when we get closer to it, one of the things I'll also factor in is the age pension side of things. So when we get closer, we can talk more about your level. Given your current circumstances, it looks like you should be eligible for a bit of age pension around age seven as well, which means we can draw a little bit less out of super and give you longevity down down the way as well. But I'll keep you updated. We'll keep reviewing this and keep you on track there. Okay? Perfect. I do have the strategy in there with regard to the sales back as well. It kinda shows you I've essentially the difference in the tax consequences between your current position to the idea of salary sacrificing. It does kinda provide you with the benefit of paying a little bit less income tax, which is a benefit to you. However, the disadvantage of salary sacrificing is that your take home pay is a little bit less as well because that $50 per week is going into super. But when I sort of look at it, the the advantage of being able to want more money into super and have it invested outweighs that additional of not of not having that in your take home pay. Okay. All good. Well, the other side of that is just the beneficiary side of things. So I will make sure your beneficiaries are up to date. I am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse. That way, if anything does happen, she gets a 100% of the benefit there paid out to her. And I will sort of let everyone know to let their spouse know that you are that I am your financial adviser, that if anything was to happen to call me and I can help her with the claim just to make sure things are done along. I know it's, you know, when your times where your spouse has passed, it can be a really difficult time frame. So it's important to make sure that she's aware of where your super is, that you do have a benefit that she can claim on it, and we'll help you with the beneficiary nominations as well. It's the hardest part of getting someone to witness it for you. Yeah. The only other thing to kinda go through with you is, obviously, there's no sorry. Insurance recommendations. This advice has been provided. There's no implementation fees payable. But the last couple of years, we have been providing our services and looking after everything and not charging an ongoing service fee. So I am gonna turn the ongoing service fee back on. It is 1.65% per annum, and it's deducted in smaller monthly increments. So I've accounted for that as part of the projection. We're working harder towards your goals, and the ongoing service fee doesn't have a huge impact on that. But it just means that we're getting paid for our services. We're looking after things, and and we'll keep updating the advice. I'll keep looking after you and working towards your goals. But you'll see in there the ongoing service fee and what that looks like and, essentially, how that works. But one of the big things about our fee is that it is percentage based, so it fluctuates with the market. So when the market is doing really well, it tells me that our ongoing service fee is gonna be a little bit higher. However, when the market does pay take a bit of a dip there, the amount we're gonna receive is slightly lower as well. So I just wanted to be open and honest with you and let you know I do wanna turn that on to keep monitoring things and looking after you. But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time. Okay? All good. I know it's a lot, and I'm so sorry. I will email this through to you now so you can also have a bit of a look at it. If you have any questions, Glenn, you're welcome to let me know. If you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me. Yeah. And then my team will start by essentially completing the investment switch in the account. So you'll see us buying and selling in the back end, which will be really cool in rebalancing everything for you. We'll then give you the salary sacrifice letter to give to your employer, and we'll help with the beneficiary nominations to be a nice easy implementation process. Do you have any questions for me? I'm so sorry. It it's a lot to kinda go through. Oh, beautiful. You're a legend. Thank you so much. I will let you go to enjoy your afternoon. I'll send this to you now. If you have any questions, you let me know. Okay? No worries. Enjoy your afternoon. Thanks, Glenn. See you later. Bye.","confidence":0.99738246,"words":[{"word":"hi","start":2.08,"end":2.3999999,"confidence":0.9973353,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1001301407814026},{"word":"glenn","start":2.3999999,"end":2.72,"confidence":0.95148903,"punctuated_word":"Glenn.","sentiment":"neutral","sentiment_score":0.12639665603637695},{"word":"it's","start":2.72,"end":3.04,"confidence":0.9972935,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18179139494895935},{"word":"dana","start":3.04,"end":3.28,"confidence":0.93211776,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.18772441148757937},{"word":"from","start":3.28,"end":3.52,"confidence":0.99855465,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.20990580320358276},{"word":"oakey","start":3.52,"end":4.0,"confidence":0.7222762,"punctuated_word":"Oakey","sentiment":"neutral","sentiment_score":0.19527965784072876},{"word":"financial","start":4.0,"end":4.48,"confidence":0.9990308,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.18499696254730225},{"word":"how","start":4.48,"end":4.72,"confidence":0.9999138,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.20153070986270905},{"word":"are","start":4.72,"end":4.88,"confidence":0.9997377,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2143789678812027},{"word":"you","start":4.88,"end":5.12,"confidence":0.9997092,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22152835130691528},{"word":"this","start":5.12,"end":5.3599997,"confidence":0.99963653,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21284961700439453},{"word":"afternoon","start":5.3599997,"end":5.8599997,"confidence":0.9999228,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.19926749169826508},{"word":"i'm","start":7.44,"end":7.7599998,"confidence":0.8428609,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5585209727287292},{"word":"very","start":7.7599998,"end":8.08,"confidence":0.99986935,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6043731570243835},{"word":"well","start":8.08,"end":8.4,"confidence":0.99838483,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5907942056655884},{"word":"thank","start":8.4,"end":8.559999,"confidence":0.99991024,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7319650650024414},{"word":"you","start":8.559999,"end":8.8,"confidence":0.99997133,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6798874139785767},{"word":"i","start":8.8,"end":8.96,"confidence":0.99976844,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4048942029476166},{"word":"had","start":8.96,"end":9.12,"confidence":0.9214083,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4564886391162872},{"word":"an","start":9.12,"end":9.28,"confidence":0.99908924,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4015827476978302},{"word":"updated","start":9.28,"end":9.78,"confidence":0.99624926,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.38453739881515503},{"word":"advice","start":9.84,"end":10.32,"confidence":0.9501364,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4323081076145172},{"word":"document","start":10.32,"end":10.719999,"confidence":0.9849878,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.3109217882156372},{"word":"to","start":10.719999,"end":10.88,"confidence":0.99314404,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3283936083316803},{"word":"go","start":10.88,"end":11.04,"confidence":0.99897003,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.35403376817703247},{"word":"through","start":11.04,"end":11.28,"confidence":0.9995184,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3837718367576599},{"word":"with","start":11.28,"end":11.44,"confidence":0.99929357,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3783172070980072},{"word":"you","start":11.44,"end":11.599999,"confidence":0.99708825,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3599594235420227},{"word":"this","start":11.599999,"end":11.84,"confidence":0.9993073,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3394952118396759},{"word":"afternoon","start":11.84,"end":12.16,"confidence":0.99917597,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":0.308496356010437},{"word":"is","start":12.16,"end":12.32,"confidence":0.9944266,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.2754855155944824},{"word":"now","start":12.32,"end":12.559999,"confidence":0.9958538,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2634701132774353},{"word":"still","start":12.559999,"end":12.719999,"confidence":0.98811007,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.25307899713516235},{"word":"a","start":12.719999,"end":12.88,"confidence":0.9833297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32146283984184265},{"word":"good","start":12.88,"end":13.04,"confidence":0.9998348,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.27154403924942017},{"word":"time","start":13.04,"end":13.28,"confidence":0.99963784,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.39646273851394653},{"word":"there","start":13.28,"end":13.5199995,"confidence":0.9946906,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.35544297099113464},{"word":"for","start":13.5199995,"end":13.679999,"confidence":0.99990106,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2482353299856186},{"word":"you","start":13.679999,"end":14.179999,"confidence":0.9998349,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.23608919978141785},{"word":"yep","start":15.434999,"end":15.834999,"confidence":0.9795526,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20723645389080048},{"word":"fantastic","start":15.834999,"end":16.335,"confidence":0.9998651,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.43300214409828186},{"word":"do","start":16.395,"end":16.635,"confidence":0.99952745,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06706148386001587},{"word":"you","start":16.635,"end":16.795,"confidence":0.9995659,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07546579837799072},{"word":"happen","start":16.795,"end":16.915,"confidence":0.9994449,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.0944911316037178},{"word":"to","start":16.915,"end":17.035,"confidence":0.996636,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08035877346992493},{"word":"have","start":17.035,"end":17.275,"confidence":0.9963695,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07424474507570267},{"word":"access","start":17.275,"end":17.595,"confidence":0.99058926,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.10889068245887756},{"word":"to","start":17.595,"end":17.675,"confidence":0.9937785,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.050259534269571304},{"word":"your","start":17.675,"end":17.914999,"confidence":0.9908461,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.046910278499126434},{"word":"emails","start":17.914999,"end":18.314999,"confidence":0.97366905,"punctuated_word":"emails?","sentiment":"neutral","sentiment_score":0.06238817051053047},{"word":"if","start":18.314999,"end":18.474998,"confidence":0.999373,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03890568017959595},{"word":"you","start":18.474998,"end":18.555,"confidence":0.9992937,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029159188270568848},{"word":"don't","start":18.555,"end":18.795,"confidence":0.99816495,"punctuated_word":"don't,","sentiment":"neutral","sentiment_score":-0.02460934966802597},{"word":"that's","start":18.795,"end":19.035,"confidence":0.99979925,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.016988400369882584},{"word":"absolutely","start":19.035,"end":19.535,"confidence":0.9995509,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":-0.2240118831396103},{"word":"okay","start":19.595,"end":20.095,"confidence":0.99928665,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.018404269590973858},{"word":"sorry","start":20.634998,"end":21.134998,"confidence":0.53686726,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.01885927841067314},{"word":"yeah","start":22.794998,"end":23.115,"confidence":0.9340034,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047814156860113144},{"word":"that's","start":23.115,"end":23.435,"confidence":0.9994067,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0770702138543129},{"word":"okay","start":23.435,"end":23.835,"confidence":0.9997513,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06576959788799286},{"word":"did","start":23.835,"end":23.994999,"confidence":0.99932325,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.026218712329864505},{"word":"you","start":23.994999,"end":24.154999,"confidence":0.99982184,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02713841386139393},{"word":"want","start":24.154999,"end":24.314999,"confidence":0.9997824,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0236859992146492},{"word":"me","start":24.314999,"end":24.395,"confidence":0.99967015,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.02576133981347084},{"word":"to","start":24.395,"end":24.474998,"confidence":0.9960846,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03772599622607231},{"word":"send","start":24.474998,"end":24.634998,"confidence":0.99980694,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.03315778076648712},{"word":"that","start":24.634998,"end":24.794998,"confidence":0.99948287,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03153704106807709},{"word":"one","start":24.794998,"end":24.954998,"confidence":0.9992268,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.027194583788514137},{"word":"through","start":24.954998,"end":25.195,"confidence":0.99475336,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03756659850478172},{"word":"so","start":25.195,"end":25.355,"confidence":0.95758706,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03694869205355644},{"word":"you","start":25.355,"end":25.435,"confidence":0.99853134,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029670335352420807},{"word":"can","start":25.435,"end":25.675,"confidence":0.9994137,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02790476381778717},{"word":"have","start":25.675,"end":25.835,"confidence":0.9996902,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03622463345527649},{"word":"a","start":25.835,"end":25.914999,"confidence":0.9979176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0452120304107666},{"word":"look","start":25.914999,"end":26.075,"confidence":0.99994457,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.028313402086496353},{"word":"at","start":26.075,"end":26.154999,"confidence":0.99966407,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02485543303191662},{"word":"it","start":26.154999,"end":26.314999,"confidence":0.89766514,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.023711808025836945},{"word":"or","start":26.314999,"end":26.474998,"confidence":0.99979657,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.016119949519634247},{"word":"did","start":26.474998,"end":26.555,"confidence":0.9996933,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.010794217698276045},{"word":"you","start":26.555,"end":26.715,"confidence":0.9996753,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012151079252362251},{"word":"want","start":26.715,"end":26.875,"confidence":0.9990746,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.005134766921401024},{"word":"me","start":26.875,"end":26.954998,"confidence":0.99955314,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0045099444687366486},{"word":"just","start":26.954998,"end":27.195,"confidence":0.9713686,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011177010834217072},{"word":"to","start":27.195,"end":27.275,"confidence":0.9969024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013012804090976717},{"word":"kinda","start":27.275,"end":27.595,"confidence":0.6525373,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.019849780946969982},{"word":"run","start":27.595,"end":27.835,"confidence":0.99761766,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.01534353569149971},{"word":"through","start":27.835,"end":28.075,"confidence":0.9976592,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0234870333224535},{"word":"it","start":28.075,"end":28.235,"confidence":0.9476042,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.008142862468957901},{"word":"yeah","start":28.235,"end":28.634998,"confidence":0.8233256,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.02215590327978134},{"word":"perfect","start":28.634998,"end":29.134998,"confidence":0.9984883,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1818062514066696},{"word":"yeah","start":30.199999,"end":30.519999,"confidence":0.9745429,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09046103060245514},{"word":"that's","start":30.519999,"end":30.76,"confidence":0.9997083,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09581367671489716},{"word":"okay","start":30.76,"end":31.08,"confidence":0.9997399,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09516441822052002},{"word":"well","start":31.08,"end":31.24,"confidence":0.997685,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03702663257718086},{"word":"what","start":31.24,"end":31.4,"confidence":0.9992167,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03324780613183975},{"word":"i'll","start":31.4,"end":31.48,"confidence":0.9977257,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.031391844153404236},{"word":"do","start":31.48,"end":31.64,"confidence":0.99816906,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03913475573062897},{"word":"is","start":31.64,"end":31.8,"confidence":0.43005192,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02658233605325222},{"word":"i'll","start":31.8,"end":31.96,"confidence":0.9891653,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0388636589050293},{"word":"send","start":31.96,"end":32.2,"confidence":0.99673504,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.03551623225212097},{"word":"this","start":32.2,"end":32.36,"confidence":0.9997781,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.027048932388424873},{"word":"one","start":32.36,"end":32.6,"confidence":0.99912196,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02558421716094017},{"word":"out","start":32.6,"end":32.84,"confidence":0.9985328,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.028303585946559903},{"word":"after","start":32.84,"end":33.079998,"confidence":0.999645,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03301611170172691},{"word":"the","start":33.079998,"end":33.239998,"confidence":0.9997625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040848519653081894},{"word":"call","start":33.239998,"end":33.739998,"confidence":0.9994254,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.03226529806852341},{"word":"i","start":33.96,"end":34.12,"confidence":0.7022065,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02683904394507408},{"word":"know","start":34.12,"end":34.36,"confidence":0.99972373,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04231454059481621},{"word":"we","start":34.36,"end":34.52,"confidence":0.99939644,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.038859687745571136},{"word":"sort","start":34.52,"end":34.68,"confidence":0.975773,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05210740491747856},{"word":"of","start":34.68,"end":34.84,"confidence":0.75796485,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04789207875728607},{"word":"spoke","start":34.84,"end":35.079998,"confidence":0.9446634,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.034733086824417114},{"word":"late","start":35.079998,"end":35.32,"confidence":0.93363106,"punctuated_word":"late","sentiment":"neutral","sentiment_score":-0.06475149095058441},{"word":"last","start":35.32,"end":35.559998,"confidence":0.99890447,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05642065405845642},{"word":"year","start":35.559998,"end":35.64,"confidence":0.95857674,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.03414812684059143},{"word":"and","start":35.64,"end":35.8,"confidence":0.99976474,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04721197858452797},{"word":"i","start":35.8,"end":35.879997,"confidence":0.9998336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15191905200481415},{"word":"do","start":35.879997,"end":36.04,"confidence":0.9999037,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1196867898106575},{"word":"apologize","start":36.04,"end":36.52,"confidence":0.99977237,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.1800948679447174},{"word":"for","start":36.52,"end":36.6,"confidence":0.58052975,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1769876331090927},{"word":"the","start":36.6,"end":36.68,"confidence":0.70552665,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1548173427581787},{"word":"time","start":36.68,"end":36.92,"confidence":0.9997863,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.14099250733852386},{"word":"it's","start":36.92,"end":37.079998,"confidence":0.9895307,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1733371913433075},{"word":"taken","start":37.079998,"end":37.32,"confidence":0.95676506,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.15626944601535797},{"word":"to","start":37.32,"end":37.48,"confidence":0.9993399,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11232560873031616},{"word":"get","start":37.48,"end":37.64,"confidence":0.99992824,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1256672590970993},{"word":"this","start":37.64,"end":37.879997,"confidence":0.9986312,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1036735102534294},{"word":"together","start":37.879997,"end":38.379997,"confidence":0.9924565,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":-0.103442445397377},{"word":"i've","start":38.84,"end":39.0,"confidence":0.6326256,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.18720249831676483},{"word":"just","start":39.0,"end":39.239998,"confidence":0.99759465,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1723472774028778},{"word":"been","start":39.239998,"end":39.48,"confidence":0.9994293,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.15816335380077362},{"word":"extremely","start":39.48,"end":39.98,"confidence":0.9990852,"punctuated_word":"extremely","sentiment":"neutral","sentiment_score":-0.2029605507850647},{"word":"busy","start":40.04,"end":40.54,"confidence":0.9997263,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":-0.14589521288871765},{"word":"i've","start":41.64,"end":41.96,"confidence":0.9732212,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.03463977575302124},{"word":"got","start":41.96,"end":42.28,"confidence":0.99929297,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.009129464626312256},{"word":"some","start":42.28,"end":42.52,"confidence":0.9996257,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.02867148071527481},{"word":"updated","start":42.52,"end":42.92,"confidence":0.99588543,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.026506002992391583},{"word":"advice","start":42.92,"end":43.395,"confidence":0.9802724,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.004396725445985794},{"word":"we","start":43.475002,"end":43.635002,"confidence":0.99945027,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.018607541918754578},{"word":"sort","start":43.635002,"end":43.795002,"confidence":0.981818,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0063677579164505005},{"word":"of","start":43.795002,"end":43.875,"confidence":0.9879507,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033453721553087234},{"word":"had","start":43.875,"end":44.035,"confidence":0.99168956,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.031691841781139374},{"word":"a","start":44.035,"end":44.115,"confidence":0.98611647,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030779115855693817},{"word":"look","start":44.115,"end":44.355,"confidence":0.9982121,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0154111348092556},{"word":"and","start":44.355,"end":44.515,"confidence":0.9305479,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018363647162914276},{"word":"wanted","start":44.515,"end":44.915,"confidence":0.99867994,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.02188330888748169},{"word":"to","start":44.915,"end":44.995,"confidence":0.997759,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023976635187864304},{"word":"go","start":44.995,"end":45.235,"confidence":0.99960417,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.047571152448654175},{"word":"through","start":45.235,"end":45.395,"confidence":0.9996371,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07247737050056458},{"word":"things","start":45.395,"end":45.715,"confidence":0.99925715,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05571184307336807},{"word":"and","start":45.715,"end":45.875,"confidence":0.99612033,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024984724819660187},{"word":"update","start":45.875,"end":46.195,"confidence":0.9998118,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.05336626246571541},{"word":"everything","start":46.195,"end":46.595,"confidence":0.9999263,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06142997741699219},{"word":"for","start":46.595,"end":46.755,"confidence":0.9998728,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03840263932943344},{"word":"you","start":46.755,"end":46.995,"confidence":0.8405495,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.021993665024638176},{"word":"and","start":46.995,"end":47.155,"confidence":0.9998062,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01144319400191307},{"word":"there's","start":47.155,"end":47.315,"confidence":0.9982285,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0052264779806137085},{"word":"been","start":47.315,"end":47.475,"confidence":0.99344254,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02231169119477272},{"word":"some","start":47.475,"end":47.715,"confidence":0.99889755,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.010371573269367218},{"word":"changes","start":47.715,"end":48.115,"confidence":0.9997985,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.012383367866277696},{"word":"that","start":48.115,"end":48.275,"confidence":0.99986756,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02989741787314415},{"word":"i","start":48.275,"end":48.355,"confidence":0.99952865,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04844250530004501},{"word":"wanted","start":48.355,"end":48.675,"confidence":0.9766791,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.03602870926260948},{"word":"to","start":48.675,"end":48.835,"confidence":0.9993954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03149941563606262},{"word":"recently","start":48.835,"end":49.315002,"confidence":0.98258334,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":-0.029531102627515793},{"word":"update","start":49.315002,"end":49.795,"confidence":0.82288444,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":-0.02867084927856922},{"word":"this","start":49.795,"end":50.115,"confidence":0.77787477,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.0452585369348526},{"word":"is","start":50.115,"end":50.195,"confidence":0.99092275,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04980510100722313},{"word":"why","start":50.195,"end":50.515,"confidence":0.99450266,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.03838200867176056},{"word":"i've","start":50.515,"end":50.675,"confidence":0.8692025,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05280553549528122},{"word":"kinda","start":50.675,"end":50.995,"confidence":0.9533702,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.02848200872540474},{"word":"gone","start":50.995,"end":51.235,"confidence":0.9749493,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.04590196907520294},{"word":"back","start":51.235,"end":51.395,"confidence":0.99932957,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0428934283554554},{"word":"and","start":51.395,"end":51.555,"confidence":0.9991381,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05513382330536842},{"word":"redone","start":51.555,"end":51.875,"confidence":0.9946774,"punctuated_word":"redone","sentiment":"neutral","sentiment_score":-0.03918132930994034},{"word":"it","start":51.875,"end":52.375,"confidence":0.99955297,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.04678667336702347},{"word":"just","start":52.835,"end":53.335,"confidence":0.89225525,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.016169052571058273},{"word":"before","start":53.635002,"end":53.955,"confidence":0.9909661,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.005529861897230148},{"word":"we","start":53.955,"end":54.114998,"confidence":0.81081855,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01559070497751236},{"word":"jump","start":54.114998,"end":54.355,"confidence":0.99808025,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.04764926433563232},{"word":"into","start":54.355,"end":54.675,"confidence":0.99085087,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0353705994784832},{"word":"the","start":54.675,"end":54.755,"confidence":0.9965563,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018417466431856155},{"word":"call","start":54.755,"end":54.995,"confidence":0.9958028,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.020146727561950684},{"word":"there","start":54.995,"end":55.155,"confidence":0.9437175,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.017369894310832024},{"word":"i","start":55.155,"end":55.315002,"confidence":0.9997646,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.047514643520116806},{"word":"do","start":55.315002,"end":55.475,"confidence":0.9994535,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04465527459979057},{"word":"need","start":55.475,"end":55.635002,"confidence":0.9998286,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05962267518043518},{"word":"to","start":55.635002,"end":55.795,"confidence":0.99981993,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04766865819692612},{"word":"let","start":55.795,"end":55.955,"confidence":0.9999355,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.043064311146736145},{"word":"you","start":55.955,"end":56.114998,"confidence":0.9992466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05745309963822365},{"word":"know","start":56.114998,"end":56.275,"confidence":0.7991757,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0734257698059082},{"word":"moving","start":56.275,"end":56.595,"confidence":0.99869776,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.11021053045988084},{"word":"forward","start":56.595,"end":56.835,"confidence":0.9808035,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.10300172865390778},{"word":"we","start":56.835,"end":56.995,"confidence":0.9612653,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07415183633565903},{"word":"do","start":56.995,"end":57.155,"confidence":0.99248874,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07077651470899582},{"word":"record","start":57.155,"end":57.555,"confidence":0.99898726,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.04673657566308975},{"word":"our","start":57.555,"end":57.635002,"confidence":0.99631435,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.049742549657821655},{"word":"calls","start":57.635002,"end":58.05,"confidence":0.96190304,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.06298017501831055},{"word":"for","start":58.13,"end":58.29,"confidence":0.81431746,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05022075027227402},{"word":"quality","start":58.29,"end":58.45,"confidence":0.9992865,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.044052787125110626},{"word":"and","start":58.45,"end":58.53,"confidence":0.99960726,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05429912731051445},{"word":"training","start":58.53,"end":59.01,"confidence":0.99986386,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.044711120426654816},{"word":"purposes","start":59.01,"end":59.489998,"confidence":0.9976841,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.05435291677713394},{"word":"are","start":59.489998,"end":59.649998,"confidence":0.85785836,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.08028718829154968},{"word":"you","start":59.649998,"end":59.809998,"confidence":0.9996333,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10891281813383102},{"word":"happy","start":59.809998,"end":60.05,"confidence":0.99829096,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.09880727529525755},{"word":"for","start":60.05,"end":60.21,"confidence":0.99727327,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1150747537612915},{"word":"me","start":60.21,"end":60.37,"confidence":0.9996884,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08719904720783234},{"word":"to","start":60.37,"end":60.53,"confidence":0.9984048,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0827559232711792},{"word":"proceed","start":60.53,"end":60.85,"confidence":0.99977106,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.10358712077140808},{"word":"with","start":60.85,"end":61.09,"confidence":0.99945265,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0949804037809372},{"word":"that","start":61.09,"end":61.59,"confidence":0.9971038,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.09202864021062852},{"word":"yep","start":62.37,"end":62.87,"confidence":0.8122556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1311814785003662},{"word":"beautiful","start":63.01,"end":63.489998,"confidence":0.99687684,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3280393183231354},{"word":"and","start":63.489998,"end":63.649998,"confidence":0.99973077,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14619362354278564},{"word":"i","start":63.649998,"end":63.73,"confidence":0.99984264,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11954530328512192},{"word":"do","start":63.73,"end":63.89,"confidence":0.9825581,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11588308215141296},{"word":"need","start":63.89,"end":64.05,"confidence":0.9985201,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.12784984707832336},{"word":"to","start":64.05,"end":64.13,"confidence":0.99341726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10880320519208908},{"word":"do","start":64.13,"end":64.369995,"confidence":0.9925695,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09853661060333252},{"word":"security","start":64.369995,"end":64.77,"confidence":0.98527724,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.05856166407465935},{"word":"there","start":64.77,"end":64.93,"confidence":0.59842944,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08198966085910797},{"word":"with","start":64.93,"end":65.17,"confidence":0.99954164,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07635343074798584},{"word":"you","start":65.17,"end":65.25,"confidence":0.99957734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10363627970218658},{"word":"as","start":65.25,"end":65.409996,"confidence":0.99700576,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10396526753902437},{"word":"well","start":65.409996,"end":65.57,"confidence":0.98764414,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09161535650491714},{"word":"we","start":65.57,"end":65.65,"confidence":0.9998684,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04238096624612808},{"word":"are","start":65.65,"end":65.89,"confidence":0.9998535,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0503147728741169},{"word":"discussing","start":65.89,"end":66.29,"confidence":0.9996824,"punctuated_word":"discussing","sentiment":"neutral","sentiment_score":0.07365673780441284},{"word":"your","start":66.29,"end":66.53,"confidence":0.999017,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0569639690220356},{"word":"personal","start":66.53,"end":66.93,"confidence":0.99843615,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.06944411247968674},{"word":"information","start":66.93,"end":67.409996,"confidence":0.8548959,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.06079286336898804},{"word":"so","start":67.409996,"end":67.57,"confidence":0.99590355,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05382213741540909},{"word":"i'll","start":67.57,"end":67.65,"confidence":0.98870265,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06234363839030266},{"word":"just","start":67.65,"end":67.81,"confidence":0.99968755,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07623669505119324},{"word":"get","start":67.81,"end":67.97,"confidence":0.9951806,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06934569776058197},{"word":"you","start":67.97,"end":68.13,"confidence":0.99801266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06702499091625214},{"word":"to","start":68.13,"end":68.21,"confidence":0.99735105,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07187619805335999},{"word":"confirm","start":68.21,"end":68.61,"confidence":0.99734014,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.06356078386306763},{"word":"your","start":68.61,"end":68.77,"confidence":0.99868804,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05387471616268158},{"word":"full","start":68.77,"end":69.01,"confidence":0.99992275,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.07061023265123367},{"word":"name","start":69.01,"end":69.25,"confidence":0.99892956,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.052522432059049606},{"word":"date","start":69.25,"end":69.409996,"confidence":0.9996159,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.0671166330575943},{"word":"of","start":69.409996,"end":69.49,"confidence":0.99741286,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07099373638629913},{"word":"birth","start":69.49,"end":69.729996,"confidence":0.9931253,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.08143170177936554},{"word":"and","start":69.729996,"end":69.97,"confidence":0.99987984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07629597187042236},{"word":"address","start":69.97,"end":70.29,"confidence":0.9974833,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.06545846164226532},{"word":"i","start":70.29,"end":70.45,"confidence":0.94995004,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08330126106739044},{"word":"should","start":70.45,"end":70.61,"confidence":0.9981584,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0814361721277237},{"word":"have","start":70.61,"end":70.85,"confidence":0.99963784,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05024368315935135},{"word":"on","start":70.85,"end":71.01,"confidence":0.9996973,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04612618312239647},{"word":"file","start":71.01,"end":71.51,"confidence":0.99680495,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.05006785690784454},{"word":"yeah","start":77.585,"end":78.085,"confidence":0.7557026,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013239113613963127},{"word":"perfect","start":81.105,"end":81.605,"confidence":0.9967335,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2659500539302826},{"word":"thank","start":81.665,"end":81.985,"confidence":0.9997695,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3607630431652069},{"word":"you","start":81.985,"end":82.305,"confidence":0.99977523,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36005404591560364},{"word":"so","start":82.305,"end":82.545006,"confidence":0.99953365,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.37528520822525024},{"word":"much","start":82.545006,"end":82.865005,"confidence":0.9996966,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3873230516910553},{"word":"for","start":82.865005,"end":83.025,"confidence":0.999856,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.423277348279953},{"word":"that","start":83.025,"end":83.265,"confidence":0.99981785,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4169153571128845},{"word":"how's","start":83.265,"end":83.505005,"confidence":0.9768281,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.15910910069942474},{"word":"your","start":83.505005,"end":83.665,"confidence":0.9946635,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1346280425786972},{"word":"day","start":83.665,"end":83.905,"confidence":0.9998487,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.13877390325069427},{"word":"been","start":83.905,"end":84.145004,"confidence":0.97865754,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.08742827922105789},{"word":"i","start":84.145004,"end":84.225006,"confidence":0.9975974,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.035585224628448486},{"word":"know","start":84.225006,"end":84.385,"confidence":0.99921346,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0425039567053318},{"word":"you've","start":84.385,"end":84.545,"confidence":0.99423176,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.03698330745100975},{"word":"been","start":84.545,"end":84.705,"confidence":0.9967175,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0455312579870224},{"word":"working","start":84.705,"end":85.105,"confidence":0.999833,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.03982279449701309},{"word":"some","start":85.105,"end":85.265,"confidence":0.9916367,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.06442730128765106},{"word":"long","start":85.265,"end":85.505005,"confidence":0.99938357,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.04213408008217811},{"word":"hours","start":85.505005,"end":85.825005,"confidence":0.9996766,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.03737865388393402},{"word":"recently","start":85.825005,"end":86.325005,"confidence":0.99686074,"punctuated_word":"recently.","sentiment":"neutral","sentiment_score":-0.04591654986143112},{"word":"how's","start":86.385,"end":86.785,"confidence":0.9910706,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":-0.02385674975812435},{"word":"today","start":86.785,"end":87.265,"confidence":0.99507195,"punctuated_word":"today","sentiment":"neutral","sentiment_score":-0.04454126954078674},{"word":"gone","start":87.265,"end":87.72,"confidence":0.94584996,"punctuated_word":"gone?","sentiment":"neutral","sentiment_score":-0.11488376557826996},{"word":"yeah","start":90.44,"end":90.94,"confidence":0.9967443,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.060841940343379974},{"word":"wow","start":91.24,"end":91.74,"confidence":0.9995426,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.14224013686180115},{"word":"absolutely","start":93.4,"end":93.9,"confidence":0.9989148,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.3188925087451935},{"word":"absolutely","start":94.76,"end":95.26,"confidence":0.9963999,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.32719090580940247},{"word":"and","start":95.48,"end":95.72,"confidence":0.67186123,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.29836350679397583},{"word":"you're","start":95.72,"end":95.96,"confidence":0.99902797,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2145661562681198},{"word":"almost","start":95.96,"end":96.28,"confidence":0.9995159,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.22471237182617188},{"word":"halfway","start":96.28,"end":96.68,"confidence":0.99855465,"punctuated_word":"halfway","sentiment":"neutral","sentiment_score":0.2021074891090393},{"word":"through","start":96.68,"end":96.840004,"confidence":0.988352,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1911684423685074},{"word":"the","start":96.840004,"end":97.0,"confidence":0.99955326,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15429216623306274},{"word":"week","start":97.0,"end":97.5,"confidence":0.9923775,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.14161664247512817},{"word":"it's","start":99.72,"end":99.96,"confidence":0.98992556,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6663743853569031},{"word":"amazing","start":99.96,"end":100.36,"confidence":0.9862845,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.6860260963439941},{"word":"we're","start":100.36,"end":100.520004,"confidence":0.94768614,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.21262674033641815},{"word":"already","start":100.520004,"end":100.840004,"confidence":0.9973104,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.23979611694812775},{"word":"in","start":100.840004,"end":101.0,"confidence":0.98181087,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012050636112689972},{"word":"march","start":101.0,"end":101.32,"confidence":0.9839542,"punctuated_word":"March.","sentiment":"neutral","sentiment_score":0.022306744009256363},{"word":"this","start":101.32,"end":101.48,"confidence":0.99892265,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.14710733294487},{"word":"year","start":101.48,"end":101.72,"confidence":0.99901223,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.12896588444709778},{"word":"is","start":101.72,"end":101.96,"confidence":0.9221182,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19439026713371277},{"word":"flying","start":101.96,"end":102.44,"confidence":0.9995128,"punctuated_word":"flying","sentiment":"neutral","sentiment_score":-0.11302749067544936},{"word":"by","start":102.44,"end":102.68,"confidence":0.9961332,"punctuated_word":"by.","sentiment":"neutral","sentiment_score":-0.09275076538324356},{"word":"it's","start":102.68,"end":102.945,"confidence":0.99154544,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05679507181048393},{"word":"crazy","start":103.185,"end":103.505,"confidence":0.8805726,"punctuated_word":"crazy,","sentiment":"neutral","sentiment_score":-0.04181769490242005},{"word":"isn't","start":103.505,"end":103.825,"confidence":0.9996985,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.016092799603939056},{"word":"it","start":103.825,"end":104.325,"confidence":0.9993031,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.02481836825609207},{"word":"all","start":105.745,"end":106.065,"confidence":0.7444464,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3473706841468811},{"word":"good","start":106.065,"end":106.565,"confidence":0.9995423,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.27359485626220703},{"word":"well","start":106.625,"end":106.865,"confidence":0.908396,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.06295459717512131},{"word":"when","start":106.865,"end":107.025,"confidence":0.9994066,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05522875487804413},{"word":"this","start":107.025,"end":107.265,"confidence":0.9884134,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.044585488736629486},{"word":"advice","start":107.265,"end":107.665,"confidence":0.8496057,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.04160785302519798},{"word":"document","start":107.665,"end":108.065,"confidence":0.9979996,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.05647774413228035},{"word":"comes","start":108.065,"end":108.305,"confidence":0.98992085,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.04997478425502777},{"word":"through","start":108.305,"end":108.545,"confidence":0.99318564,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.0490335151553154},{"word":"you'll","start":108.545,"end":108.784996,"confidence":0.93549913,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06805335730314255},{"word":"be","start":108.784996,"end":108.865,"confidence":0.9988034,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06820251047611237},{"word":"able","start":108.865,"end":109.025,"confidence":0.95931333,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.07355205714702606},{"word":"to","start":109.025,"end":109.104996,"confidence":0.98418343,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08145895600318909},{"word":"have","start":109.104996,"end":109.265,"confidence":0.9994622,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0793314203619957},{"word":"a","start":109.265,"end":109.345,"confidence":0.99836475,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08941638469696045},{"word":"bit","start":109.345,"end":109.505,"confidence":0.9986669,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10959100723266602},{"word":"of","start":109.505,"end":109.585,"confidence":0.9996339,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08592095971107483},{"word":"a","start":109.585,"end":109.665,"confidence":0.9981092,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08096553385257721},{"word":"look","start":109.665,"end":109.825,"confidence":0.99969375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06048721820116043},{"word":"at","start":109.825,"end":109.905,"confidence":0.9963044,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07541044801473618},{"word":"it","start":109.905,"end":110.065,"confidence":0.9906935,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0972217321395874},{"word":"later","start":110.065,"end":110.305,"confidence":0.9999455,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.09038130939006804},{"word":"when","start":110.305,"end":110.465,"confidence":0.9983594,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08426998555660248},{"word":"you've","start":110.465,"end":110.625,"confidence":0.998966,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06949057430028915},{"word":"got","start":110.625,"end":110.865,"confidence":0.99973065,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06213832274079323},{"word":"your","start":110.865,"end":111.025,"confidence":0.9983353,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.057163432240486145},{"word":"screen","start":111.025,"end":111.345,"confidence":0.99972516,"punctuated_word":"screen","sentiment":"neutral","sentiment_score":0.06778382509946823},{"word":"there","start":111.345,"end":111.465,"confidence":0.99353635,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.06572006642818451},{"word":"it","start":111.465,"end":111.585,"confidence":0.5682756,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04637134447693825},{"word":"takes","start":111.585,"end":112.065,"confidence":0.99571437,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.0556114986538887},{"word":"take","start":112.065,"end":112.305,"confidence":0.40572447,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08264444768428802},{"word":"a","start":112.305,"end":112.385,"confidence":0.99817765,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0793609619140625},{"word":"lot","start":112.385,"end":112.545,"confidence":0.9985178,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.06686358898878098},{"word":"of","start":112.545,"end":112.705,"confidence":0.99958354,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.075884610414505},{"word":"it","start":112.705,"end":112.865,"confidence":0.99911827,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08057266473770142},{"word":"in","start":112.865,"end":113.345,"confidence":0.9846902,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.040360212326049805},{"word":"essentially","start":113.345,"end":113.745,"confidence":0.94634914,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.06185130402445793},{"word":"it","start":113.745,"end":113.905,"confidence":0.9976394,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09768133610486984},{"word":"has","start":113.905,"end":114.145,"confidence":0.9997862,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07109008729457855},{"word":"been","start":114.145,"end":114.305,"confidence":0.99942756,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09276165813207626},{"word":"prepared","start":114.305,"end":114.705,"confidence":0.99873775,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.10161365568637848},{"word":"for","start":114.705,"end":114.865,"confidence":0.99767834,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11845149844884872},{"word":"yourself","start":114.865,"end":115.265,"confidence":0.9661396,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.11602018028497696},{"word":"glenn","start":115.265,"end":115.585,"confidence":0.5288614,"punctuated_word":"Glenn","sentiment":"neutral","sentiment_score":0.09548141807317734},{"word":"burnham","start":115.585,"end":115.985,"confidence":0.67021704,"punctuated_word":"Burnham,","sentiment":"neutral","sentiment_score":0.11570292711257936},{"word":"there","start":115.985,"end":116.225,"confidence":0.6565055,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10339927673339844},{"word":"as","start":116.225,"end":116.61,"confidence":0.8860097,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0949588492512703},{"word":"from","start":116.770004,"end":117.01,"confidence":0.9832161,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10785550624132156},{"word":"myself","start":117.01,"end":117.41,"confidence":0.9875513,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.14878924190998075},{"word":"and","start":117.41,"end":117.57,"confidence":0.9763555,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1307116150856018},{"word":"my","start":117.57,"end":117.81,"confidence":0.99968207,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13883031904697418},{"word":"lovely","start":117.81,"end":118.13,"confidence":0.9994885,"punctuated_word":"lovely","sentiment":"neutral","sentiment_score":0.2796902358531952},{"word":"team","start":118.13,"end":118.29,"confidence":0.99519,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.19321510195732117},{"word":"here","start":118.29,"end":118.45,"confidence":0.99504316,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.19850189983844757},{"word":"at","start":118.45,"end":118.61,"confidence":0.9862282,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1522340476512909},{"word":"oakview","start":118.61,"end":119.090004,"confidence":0.6559874,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.14743004739284515},{"word":"financial","start":119.090004,"end":119.590004,"confidence":0.9924979,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.10942332446575163},{"word":"my","start":120.13,"end":120.45,"confidence":0.80722344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.06613771617412567},{"word":"adviser","start":120.45,"end":120.95,"confidence":0.95080775,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.054262444376945496},{"word":"registration","start":121.090004,"end":121.590004,"confidence":0.99785465,"punctuated_word":"registration","sentiment":"neutral","sentiment_score":0.06257162988185883},{"word":"number","start":121.73,"end":121.97,"confidence":0.9980063,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.05244635790586472},{"word":"through","start":121.97,"end":122.21,"confidence":0.934599,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0635499432682991},{"word":"asic","start":122.21,"end":122.61,"confidence":0.2989968,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.07016155123710632},{"word":"is","start":122.61,"end":122.69,"confidence":0.9977806,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06765706092119217},{"word":"1304394","start":122.69,"end":125.03,"confidence":0.99854535,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.08289331197738647},{"word":"okay","start":125.17,"end":125.67,"confidence":0.93363416,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.064287468791008},{"word":"the","start":126.29,"end":126.45,"confidence":0.9907025,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09569322317838667},{"word":"advice","start":126.45,"end":126.85,"confidence":0.910071,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1086047813296318},{"word":"we","start":126.85,"end":126.93,"confidence":0.96474665,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10256394743919373},{"word":"have","start":126.93,"end":127.17,"confidence":0.7005341,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13730891048908234},{"word":"for","start":127.17,"end":127.33,"confidence":0.93222666,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13679620623588562},{"word":"bearing","start":127.33,"end":127.65,"confidence":0.7628688,"punctuated_word":"bearing","sentiment":"neutral","sentiment_score":0.11566927284002304},{"word":"has","start":127.65,"end":127.81,"confidence":0.99834156,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.15284164249897003},{"word":"been","start":127.81,"end":127.97,"confidence":0.99794775,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.21080106496810913},{"word":"provided","start":127.97,"end":128.37,"confidence":0.99562716,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.206589475274086},{"word":"in","start":128.37,"end":128.53,"confidence":0.9832441,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20806092023849487},{"word":"your","start":128.53,"end":128.69,"confidence":0.9877073,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19296790659427643},{"word":"best","start":128.69,"end":128.925,"confidence":0.6186832,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1881716251373291},{"word":"interest","start":129.005,"end":129.24501,"confidence":0.7664924,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.21339449286460876},{"word":"so","start":129.24501,"end":129.405,"confidence":0.9963672,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18144050240516665},{"word":"we","start":129.405,"end":129.565,"confidence":0.9997532,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1691429167985916},{"word":"always","start":129.565,"end":129.88501,"confidence":0.9996339,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1597283035516739},{"word":"make","start":129.88501,"end":130.045,"confidence":0.9996581,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12936323881149292},{"word":"sure","start":130.045,"end":130.205,"confidence":0.9994375,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1172645390033722},{"word":"we're","start":130.205,"end":130.365,"confidence":0.93901646,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19045153260231015},{"word":"going","start":130.365,"end":130.605,"confidence":0.9975217,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.18835914134979248},{"word":"through","start":130.605,"end":130.845,"confidence":0.5126975,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1641409993171692},{"word":"the","start":130.845,"end":131.085,"confidence":0.8877193,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17187286913394928},{"word":"details","start":131.085,"end":131.485,"confidence":0.9991296,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.12969863414764404},{"word":"of","start":131.485,"end":131.725,"confidence":0.99431425,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1465880274772644},{"word":"updating","start":131.725,"end":132.125,"confidence":0.9994429,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.08784335106611252},{"word":"your","start":132.125,"end":132.365,"confidence":0.8834262,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1030941754579544},{"word":"circumstances","start":132.365,"end":132.865,"confidence":0.9582741,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":0.13948172330856323},{"word":"looking","start":133.085,"end":133.405,"confidence":0.9981529,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.13284850120544434},{"word":"at","start":133.405,"end":133.485,"confidence":0.99801123,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12888239324092865},{"word":"your","start":133.485,"end":133.80501,"confidence":0.99875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13065530359745026},{"word":"goals","start":133.80501,"end":134.125,"confidence":0.9197325,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.08567078411579132},{"word":"so","start":134.125,"end":134.285,"confidence":0.92388105,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18717263638973236},{"word":"that","start":134.285,"end":134.445,"confidence":0.9999374,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20284610986709595},{"word":"we","start":134.445,"end":134.605,"confidence":0.9999013,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.199470192193985},{"word":"are","start":134.605,"end":134.845,"confidence":0.99956423,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19486886262893677},{"word":"working","start":134.845,"end":135.16501,"confidence":0.9996314,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.22717204689979553},{"word":"towards","start":135.16501,"end":135.565,"confidence":0.998642,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.23850083351135257},{"word":"your","start":135.565,"end":135.80501,"confidence":0.99923015,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18283340334892273},{"word":"goals","start":135.80501,"end":136.125,"confidence":0.998044,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.12012801319360732},{"word":"moving","start":136.125,"end":136.445,"confidence":0.9975988,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.18386662006378177},{"word":"forward","start":136.445,"end":136.945,"confidence":0.9997778,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.13234668970108032},{"word":"okay","start":137.005,"end":137.505,"confidence":0.9935974,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06660746783018112},{"word":"with","start":139.085,"end":139.325,"confidence":0.9635057,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.036341823637485504},{"word":"the","start":139.325,"end":139.485,"confidence":0.99965286,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04159904271364212},{"word":"areas","start":139.485,"end":139.965,"confidence":0.99871993,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.04399135336279869},{"word":"that","start":139.965,"end":140.125,"confidence":0.96413755,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03645977005362511},{"word":"we","start":140.125,"end":140.285,"confidence":0.7959728,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03395770490169525},{"word":"have","start":140.285,"end":140.52501,"confidence":0.9983234,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03608029335737229},{"word":"scoped","start":140.52501,"end":140.845,"confidence":0.97935677,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.03116283193230629},{"word":"in","start":140.845,"end":141.005,"confidence":0.99261874,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04361542314291},{"word":"with","start":141.005,"end":141.16501,"confidence":0.9860152,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.043938107788562775},{"word":"regards","start":141.16501,"end":141.645,"confidence":0.7784098,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05481217801570892},{"word":"to","start":141.645,"end":141.725,"confidence":0.97061294,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06151449680328369},{"word":"the","start":141.725,"end":141.80501,"confidence":0.9978403,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0511544793844223},{"word":"advice","start":141.80501,"end":142.205,"confidence":0.99303496,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.045106396079063416},{"word":"we","start":142.205,"end":142.365,"confidence":0.99939144,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04552264139056206},{"word":"have","start":142.365,"end":142.605,"confidence":0.99968374,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.041947998106479645},{"word":"looked","start":142.605,"end":142.765,"confidence":0.9762413,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.03526673465967178},{"word":"at","start":142.765,"end":142.925,"confidence":0.96602046,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.026880860328674316},{"word":"superannuation","start":142.925,"end":143.425,"confidence":0.98938555,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.02451661042869091},{"word":"and","start":143.80501,"end":143.965,"confidence":0.9814625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013916056603193285},{"word":"estate","start":143.965,"end":144.285,"confidence":0.94921535,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.0033918023109436035},{"word":"planning","start":144.285,"end":144.605,"confidence":0.99932885,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.02492348477244377},{"word":"in","start":144.605,"end":144.9,"confidence":0.45632192,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0360151007771492},{"word":"scoping","start":144.9,"end":145.29999,"confidence":0.8892482,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.03609519079327583},{"word":"areas","start":145.29999,"end":145.54,"confidence":0.96032345,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.03465485945343971},{"word":"to","start":145.54,"end":145.7,"confidence":0.9908155,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04613843932747841},{"word":"make","start":145.7,"end":145.86,"confidence":0.9987142,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03523170202970505},{"word":"sure","start":145.86,"end":146.01999,"confidence":0.9953768,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03522323817014694},{"word":"your","start":146.01999,"end":146.18,"confidence":0.97255206,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013369143009185793},{"word":"super","start":146.18,"end":146.5,"confidence":0.9000347,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0374697744846344},{"word":"is","start":146.5,"end":146.57999,"confidence":0.6844467,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.028841383755207065},{"word":"working","start":146.57999,"end":146.9,"confidence":0.99960583,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.028472714126110077},{"word":"harder","start":146.9,"end":147.22,"confidence":0.99321175,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.06615066528320312},{"word":"for","start":147.22,"end":147.37999,"confidence":0.99839705,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0401238352060318},{"word":"you","start":147.37999,"end":147.87999,"confidence":0.9994435,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.029642093926668167},{"word":"at","start":148.01999,"end":148.26,"confidence":0.6523618,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.025140635669231415},{"word":"the","start":148.26,"end":148.34,"confidence":0.99800664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02539102733135223},{"word":"time","start":148.34,"end":148.57999,"confidence":0.999912,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.030288951471447945},{"word":"that","start":148.57999,"end":148.73999,"confidence":0.99913824,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028652291744947433},{"word":"we","start":148.73999,"end":148.98,"confidence":0.9996723,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03306914120912552},{"word":"spoke","start":148.98,"end":149.22,"confidence":0.99469066,"punctuated_word":"spoke,","sentiment":"neutral","sentiment_score":0.036538999527692795},{"word":"you","start":149.22,"end":149.37999,"confidence":0.999355,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02413991466164589},{"word":"were","start":149.37999,"end":149.54,"confidence":0.8163814,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.014666788280010223},{"word":"hoping","start":149.54,"end":149.86,"confidence":0.9999025,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.02824031189084053},{"word":"to","start":149.86,"end":150.01999,"confidence":0.9994943,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.035689905285835266},{"word":"be","start":150.01999,"end":150.18,"confidence":0.9997528,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03738716244697571},{"word":"able","start":150.18,"end":150.5,"confidence":0.99675673,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.039285942912101746},{"word":"to","start":150.5,"end":150.65999,"confidence":0.99868315,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05386611819267273},{"word":"retire","start":150.65999,"end":151.06,"confidence":0.99958485,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.04371689632534981},{"word":"at","start":151.06,"end":151.22,"confidence":0.9975925,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02772560715675354},{"word":"around","start":151.22,"end":151.54,"confidence":0.9523687,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.05759625136852264},{"word":"about","start":151.54,"end":151.78,"confidence":0.42363957,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0512000285089016},{"word":"age","start":151.78,"end":152.09999,"confidence":0.97497106,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.027776382863521576},{"word":"65","start":152.09999,"end":152.65999,"confidence":0.9944606,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.0470755510032177},{"word":"and","start":152.65999,"end":152.9,"confidence":0.7059624,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.04533956199884415},{"word":"hopefully","start":152.9,"end":153.29999,"confidence":0.9998286,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.06959414482116699},{"word":"your","start":153.29999,"end":153.45999,"confidence":0.829192,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026152633130550385},{"word":"income","start":153.45999,"end":153.78,"confidence":0.9997814,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.03394046798348427},{"word":"of","start":153.78,"end":154.01999,"confidence":0.7784419,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033404719084501266},{"word":"about","start":154.01999,"end":154.26,"confidence":0.9977762,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03707156330347061},{"word":"$1,000","start":154.26,"end":155.06,"confidence":0.99516344,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.05835201218724251},{"word":"a","start":155.06,"end":155.14,"confidence":0.9989851,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02987690269947052},{"word":"week","start":155.14,"end":155.37999,"confidence":0.9991164,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.022452645003795624},{"word":"does","start":155.37999,"end":155.54,"confidence":0.9972187,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.018468432128429413},{"word":"that","start":155.54,"end":155.78,"confidence":0.99992764,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03442692756652832},{"word":"still","start":155.78,"end":156.01999,"confidence":0.9991092,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02479926124215126},{"word":"sound","start":156.01999,"end":156.26,"confidence":0.9975617,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.039936743676662445},{"word":"fairly","start":156.26,"end":156.65999,"confidence":0.99770206,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.03086080774664879},{"word":"accurate","start":156.65999,"end":157.14,"confidence":0.9989353,"punctuated_word":"accurate","sentiment":"neutral","sentiment_score":0.017946047708392143},{"word":"for","start":157.14,"end":157.29999,"confidence":0.7275774,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004853108897805214},{"word":"where","start":157.29999,"end":157.45999,"confidence":0.9905663,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0006521046161651611},{"word":"you're","start":157.45999,"end":157.7,"confidence":0.9938655,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0014635163825005293},{"word":"at","start":157.7,"end":157.86,"confidence":0.9928773,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0011791028082370758},{"word":"at","start":157.86,"end":157.93999,"confidence":0.95163316,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004379358142614365},{"word":"the","start":157.93999,"end":158.09999,"confidence":0.9985896,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002956252545118332},{"word":"moment","start":158.09999,"end":158.59999,"confidence":0.9993144,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.015320566482841969},{"word":"yeah","start":160.395,"end":160.715,"confidence":0.81211126,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13224288821220398},{"word":"beautiful","start":160.715,"end":161.215,"confidence":0.999812,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.29279443621635437},{"word":"you","start":161.675,"end":161.91501,"confidence":0.5319403,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1749211549758911},{"word":"are","start":161.91501,"end":162.155,"confidence":0.497381,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15067198872566223},{"word":"comfortable","start":162.155,"end":162.635,"confidence":0.9988231,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.12619099020957947},{"word":"about","start":162.635,"end":162.795,"confidence":0.99463177,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16733631491661072},{"word":"looking","start":162.795,"end":163.295,"confidence":0.9994796,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.15709571540355682},{"word":"looking","start":163.515,"end":163.755,"confidence":0.5577862,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.16503801941871643},{"word":"at","start":163.755,"end":163.91501,"confidence":0.9988551,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.134687602519989},{"word":"whether","start":163.91501,"end":164.155,"confidence":0.9975424,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.14427749812602997},{"word":"you","start":164.155,"end":164.315,"confidence":0.99987864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12113550305366516},{"word":"needed","start":164.315,"end":164.55501,"confidence":0.9956721,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.12109334766864777},{"word":"to","start":164.55501,"end":164.715,"confidence":0.9981232,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1291370987892151},{"word":"maybe","start":164.715,"end":165.035,"confidence":0.97733283,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.14409933984279633},{"word":"start","start":165.035,"end":165.275,"confidence":0.9924119,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.13377979397773743},{"word":"making","start":165.275,"end":165.595,"confidence":0.99974173,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.13769695162773132},{"word":"additional","start":165.595,"end":166.075,"confidence":0.99943167,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1222205013036728},{"word":"contributions","start":166.075,"end":166.575,"confidence":0.9981851,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.13218797743320465},{"word":"to","start":166.635,"end":166.795,"confidence":0.8306229,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1368481069803238},{"word":"super","start":166.795,"end":167.035,"confidence":0.67375976,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.1578819900751114},{"word":"to","start":167.035,"end":167.195,"confidence":0.96914613,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09418098628520966},{"word":"sort","start":167.195,"end":167.435,"confidence":0.9921887,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09736019372940063},{"word":"of","start":167.435,"end":167.515,"confidence":0.61696917,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16942402720451355},{"word":"help","start":167.515,"end":167.755,"confidence":0.99838233,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.16761597990989685},{"word":"you","start":167.755,"end":167.91501,"confidence":0.9982016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1547551453113556},{"word":"along","start":167.91501,"end":168.155,"confidence":0.9154565,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.21297650039196017},{"word":"to","start":168.155,"end":168.315,"confidence":0.9985813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2534390389919281},{"word":"meet","start":168.315,"end":168.55501,"confidence":0.9756516,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.28103262186050415},{"word":"that","start":168.55501,"end":168.715,"confidence":0.99901843,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33372706174850464},{"word":"goal","start":168.715,"end":168.955,"confidence":0.7543066,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.2575935125350952},{"word":"and","start":168.955,"end":169.115,"confidence":0.9993455,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26060056686401367},{"word":"i've","start":169.115,"end":169.355,"confidence":0.99498224,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3363724946975708},{"word":"had","start":169.355,"end":169.515,"confidence":0.9996588,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.33078527450561523},{"word":"a","start":169.515,"end":169.595,"confidence":0.9997092,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3207821249961853},{"word":"really","start":169.595,"end":169.835,"confidence":0.99991524,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3666646182537079},{"word":"good","start":169.835,"end":169.995,"confidence":0.9997236,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3307878077030182},{"word":"look","start":169.995,"end":170.155,"confidence":0.68947226,"punctuated_word":"look,","sentiment":"positive","sentiment_score":0.35298243165016174},{"word":"and","start":170.155,"end":170.315,"confidence":0.9946327,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.323916494846344},{"word":"i've","start":170.315,"end":170.475,"confidence":0.9887483,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.32674622535705566},{"word":"made","start":170.475,"end":170.715,"confidence":0.99953604,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.35226112604141235},{"word":"a","start":170.715,"end":170.875,"confidence":0.99393326,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2670724391937256},{"word":"recommendation","start":170.875,"end":171.375,"confidence":0.99980015,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.24353784322738647},{"word":"there","start":171.595,"end":171.91501,"confidence":0.9952815,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2427133172750473},{"word":"for","start":171.91501,"end":172.075,"confidence":0.999881,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25631579756736755},{"word":"you","start":172.075,"end":172.575,"confidence":0.99983394,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18033823370933533},{"word":"okay","start":172.635,"end":173.135,"confidence":0.8369111,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11270029842853546},{"word":"with","start":174.62999,"end":174.87,"confidence":0.9091515,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.06525014340877533},{"word":"the","start":174.87,"end":175.11,"confidence":0.98524886,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05665998533368111},{"word":"estate","start":175.11,"end":175.43,"confidence":0.98850876,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.0682051032781601},{"word":"planning","start":175.43,"end":175.67,"confidence":0.9991191,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.07473315298557281},{"word":"side","start":175.67,"end":175.90999,"confidence":0.82984126,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.09948425740003586},{"word":"of","start":175.90999,"end":175.98999,"confidence":0.9729586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06681811809539795},{"word":"things","start":175.98999,"end":176.31,"confidence":0.9841777,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.09215019643306732},{"word":"i","start":176.31,"end":176.47,"confidence":0.99964845,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16862420737743378},{"word":"had","start":176.47,"end":176.62999,"confidence":0.9980926,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.18441839516162872},{"word":"a","start":176.62999,"end":176.70999,"confidence":0.99954635,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16392190754413605},{"word":"really","start":176.70999,"end":176.87,"confidence":0.9999032,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.17394477128982544},{"word":"good","start":176.87,"end":177.11,"confidence":0.99927384,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.17649739980697632},{"word":"look","start":177.11,"end":177.26999,"confidence":0.7930656,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.16467402875423431},{"word":"and","start":177.26999,"end":177.43,"confidence":0.998659,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1496974378824234},{"word":"it","start":177.43,"end":177.51,"confidence":0.99918014,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1648663431406021},{"word":"looks","start":177.51,"end":177.75,"confidence":0.9989002,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.131112203001976},{"word":"like","start":177.75,"end":177.82999,"confidence":0.994706,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1148202121257782},{"word":"we","start":177.82999,"end":177.98999,"confidence":0.99964035,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11301344633102416},{"word":"don't","start":177.98999,"end":178.23,"confidence":0.99994284,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.07096125930547714},{"word":"have","start":178.23,"end":178.31,"confidence":0.9998436,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04558095708489418},{"word":"a","start":178.31,"end":178.54999,"confidence":0.99671835,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029437227174639705},{"word":"beneficiary","start":178.54999,"end":179.04999,"confidence":0.99714595,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.008840218186378479},{"word":"nominal","start":179.18999,"end":179.67,"confidence":0.43062186,"punctuated_word":"nominal","sentiment":"neutral","sentiment_score":0.009927578270435332},{"word":"no","start":179.75,"end":179.82999,"confidence":0.571881,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.018214508891105652},{"word":"nomination","start":179.98999,"end":180.48999,"confidence":0.9969267,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.04015914350748062},{"word":"on","start":180.62999,"end":180.79,"confidence":0.99916863,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.032989419996738434},{"word":"file","start":180.79,"end":181.11,"confidence":0.99958843,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.03165607899427414},{"word":"for","start":181.11,"end":181.26999,"confidence":0.99682885,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06078213453292847},{"word":"your","start":181.26999,"end":181.51,"confidence":0.89886636,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.053358204662799835},{"word":"super","start":181.51,"end":181.75,"confidence":0.3649703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07070835679769516},{"word":"there","start":181.75,"end":181.98999,"confidence":0.9775122,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.024237193167209625},{"word":"at","start":181.98999,"end":182.15,"confidence":0.99858296,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05481649190187454},{"word":"the","start":182.15,"end":182.23,"confidence":0.9996586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04481647536158562},{"word":"moment","start":182.23,"end":182.54999,"confidence":0.9767448,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.053957462310791016},{"word":"so","start":182.54999,"end":182.79,"confidence":0.99969923,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08062605559825897},{"word":"i","start":182.79,"end":182.95,"confidence":0.99986863,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14365029335021973},{"word":"have","start":182.95,"end":183.11,"confidence":0.99992156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17601525783538818},{"word":"made","start":183.11,"end":183.34999,"confidence":0.99971634,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.222349151968956},{"word":"a","start":183.34999,"end":183.43,"confidence":0.99914634,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2179444134235382},{"word":"recommendation","start":183.43,"end":183.93,"confidence":0.9993549,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.21027503907680511},{"word":"to","start":184.31,"end":184.39,"confidence":0.9995534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21296291053295135},{"word":"make","start":184.39,"end":184.54999,"confidence":0.9998661,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18545079231262207},{"word":"sure","start":184.54999,"end":184.79,"confidence":0.9996369,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1662822663784027},{"word":"one","start":184.79,"end":185.03,"confidence":0.9713188,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1418343186378479},{"word":"is","start":185.03,"end":185.18999,"confidence":0.98543394,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1701623648405075},{"word":"applied","start":185.18999,"end":185.59,"confidence":0.9943506,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.17770591378211975},{"word":"and","start":185.59,"end":185.82999,"confidence":0.6426812,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19300326704978943},{"word":"make","start":185.82999,"end":185.98999,"confidence":0.98520386,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1974629908800125},{"word":"sure","start":185.98999,"end":186.15,"confidence":0.99896383,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.19118523597717285},{"word":"it's","start":186.15,"end":186.23,"confidence":0.99491024,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21045377850532532},{"word":"implied","start":186.23,"end":186.73,"confidence":0.9956584,"punctuated_word":"implied","sentiment":"neutral","sentiment_score":0.27845510840415955},{"word":"in","start":187.075,"end":187.31499,"confidence":0.99951077,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24944934248924255},{"word":"your","start":187.31499,"end":187.39499,"confidence":0.99979943,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2537170350551605},{"word":"best","start":187.39499,"end":187.715,"confidence":0.99989235,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2524484395980835},{"word":"wishes","start":187.715,"end":188.11499,"confidence":0.99779177,"punctuated_word":"wishes","sentiment":"neutral","sentiment_score":0.30517563223838806},{"word":"to","start":188.11499,"end":188.275,"confidence":0.9462297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2559727728366852},{"word":"make","start":188.275,"end":188.435,"confidence":0.99977404,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2226666808128357},{"word":"sure","start":188.435,"end":188.67499,"confidence":0.99928015,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2214577794075012},{"word":"that","start":188.67499,"end":188.995,"confidence":0.9996383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22890737652778623},{"word":"in","start":188.995,"end":189.155,"confidence":0.9632457,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1907956898212433},{"word":"the","start":189.155,"end":189.235,"confidence":0.9991135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1721615195274353},{"word":"event","start":189.235,"end":189.555,"confidence":0.9992824,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.1910894513130188},{"word":"that","start":189.555,"end":189.715,"confidence":0.9927914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19825699925422668},{"word":"something","start":189.715,"end":190.11499,"confidence":0.99752516,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.195947527885437},{"word":"was","start":190.11499,"end":190.355,"confidence":0.99380374,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.15026192367076874},{"word":"to","start":190.355,"end":190.515,"confidence":0.9947844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17000974714756012},{"word":"happen","start":190.515,"end":191.015,"confidence":0.8026024,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.20624813437461853},{"word":"that","start":191.31499,"end":191.555,"confidence":0.88904536,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20163553953170776},{"word":"you","start":191.555,"end":191.795,"confidence":0.99988914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18436625599861145},{"word":"are","start":191.795,"end":192.03499,"confidence":0.9981925,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18003049492836},{"word":"able","start":192.03499,"end":192.435,"confidence":0.99984145,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.20418107509613037},{"word":"to","start":192.435,"end":192.915,"confidence":0.9998246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.187219500541687},{"word":"you","start":193.075,"end":193.23499,"confidence":0.989502,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16509531438350675},{"word":"know","start":193.23499,"end":193.39499,"confidence":0.99695474,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19616056978702545},{"word":"your","start":193.39499,"end":193.555,"confidence":0.99697816,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20214225351810455},{"word":"beneficiary","start":193.555,"end":194.055,"confidence":0.99753904,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.24517855048179624},{"word":"is","start":194.19499,"end":194.355,"confidence":0.994379,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2002887725830078},{"word":"able","start":194.355,"end":194.67499,"confidence":0.9593842,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.22463683784008023},{"word":"to","start":194.67499,"end":194.75499,"confidence":0.99697423,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2042553424835205},{"word":"claim","start":194.75499,"end":194.995,"confidence":0.9990729,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.2242855280637741},{"word":"on","start":194.995,"end":195.155,"confidence":0.96338606,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20014150440692904},{"word":"your","start":195.155,"end":195.39499,"confidence":0.9984938,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19872525334358215},{"word":"super","start":195.39499,"end":195.715,"confidence":0.96783316,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28324204683303833},{"word":"in","start":195.715,"end":195.875,"confidence":0.95828366,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23295943439006803},{"word":"the","start":195.875,"end":196.03499,"confidence":0.99107224,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1965010017156601},{"word":"most","start":196.03499,"end":196.53499,"confidence":0.99983084,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.16942960023880005},{"word":"effective","start":196.59499,"end":197.09499,"confidence":0.99669254,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.2045296281576157},{"word":"way","start":197.23499,"end":197.47499,"confidence":0.9997501,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2998158931732178},{"word":"for","start":197.47499,"end":197.715,"confidence":0.99986696,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2856646180152893},{"word":"you","start":197.715,"end":198.215,"confidence":0.99702525,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23027411103248596},{"word":"it","start":199.96999,"end":200.20999,"confidence":0.990272,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09206241369247437},{"word":"looks","start":200.20999,"end":200.45,"confidence":0.99964607,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.0738532543182373},{"word":"like","start":200.45,"end":200.60999,"confidence":0.98474956,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08045890182256699},{"word":"and","start":200.68999,"end":200.84999,"confidence":0.32448295,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0494689904153347},{"word":"i","start":200.84999,"end":200.93,"confidence":0.9973447,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010870352387428284},{"word":"had","start":200.93,"end":201.09,"confidence":0.96447265,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.000603504478931427},{"word":"a","start":201.09,"end":201.17,"confidence":0.85283667,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05973700061440468},{"word":"look","start":201.17,"end":201.32999,"confidence":0.998464,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.004794992506504059},{"word":"on","start":201.32999,"end":201.48999,"confidence":0.9953461,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009945109486579897},{"word":"file","start":201.48999,"end":201.73,"confidence":0.8685094,"punctuated_word":"file,","sentiment":"neutral","sentiment_score":0.0028821323066949844},{"word":"and","start":201.73,"end":201.89,"confidence":0.99960953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03594042360782623},{"word":"i","start":201.89,"end":201.96999,"confidence":0.997271,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14717276394367218},{"word":"can't","start":201.96999,"end":202.20999,"confidence":0.9983674,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.07291658222675323},{"word":"see","start":202.20999,"end":202.45,"confidence":0.9982343,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.023595206439495087},{"word":"one","start":202.45,"end":202.68999,"confidence":0.9373601,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0437387116253376},{"word":"applied","start":202.68999,"end":203.18999,"confidence":0.8660244,"punctuated_word":"applied.","sentiment":"neutral","sentiment_score":-0.07113080471754074},{"word":"so","start":203.25,"end":203.48999,"confidence":0.9996518,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05680959671735763},{"word":"we","start":203.48999,"end":203.73,"confidence":0.9995776,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0959409922361374},{"word":"will","start":203.73,"end":203.96999,"confidence":0.99973303,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.109407939016819},{"word":"make","start":203.96999,"end":204.12999,"confidence":0.9998784,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08638973534107208},{"word":"sure","start":204.12999,"end":204.29,"confidence":0.99964416,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10593238472938538},{"word":"that","start":204.29,"end":204.53,"confidence":0.9997979,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08132020384073257},{"word":"is","start":204.53,"end":204.76999,"confidence":0.6315927,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11746819317340852},{"word":"updated","start":204.76999,"end":205.25,"confidence":0.9993783,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.15430252254009247},{"word":"for","start":205.25,"end":205.48999,"confidence":0.99967337,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17759329080581665},{"word":"you","start":205.48999,"end":205.89,"confidence":0.9998437,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08020462840795517},{"word":"okay","start":205.89,"end":206.39,"confidence":0.8910738,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06332176923751831},{"word":"all","start":207.32999,"end":207.56999,"confidence":0.9841451,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2928257882595062},{"word":"good","start":207.56999,"end":208.06999,"confidence":0.99939835,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.541091799736023},{"word":"i've","start":208.60999,"end":208.84999,"confidence":0.8235994,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3316674828529358},{"word":"scoped","start":208.84999,"end":209.17,"confidence":0.9792383,"punctuated_word":"scoped","sentiment":"positive","sentiment_score":0.33499985933303833},{"word":"into","start":209.17,"end":209.48999,"confidence":0.9697295,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3765007555484772},{"word":"a","start":209.48999,"end":209.65,"confidence":0.998005,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23588886857032776},{"word":"limited","start":209.65,"end":210.12999,"confidence":0.9996232,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.19259247183799744},{"word":"scope","start":210.12999,"end":210.53,"confidence":0.7871169,"punctuated_word":"scope,","sentiment":"neutral","sentiment_score":0.24439850449562073},{"word":"just","start":210.53,"end":210.76999,"confidence":0.998226,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29312369227409363},{"word":"the","start":210.76999,"end":210.93,"confidence":0.91929036,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2517699599266052},{"word":"retirement","start":210.93,"end":211.40999,"confidence":0.99887186,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2434581071138382},{"word":"planning","start":211.40999,"end":211.81,"confidence":0.8199374,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.31789252161979675},{"word":"so","start":211.81,"end":212.04999,"confidence":0.9958247,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.31783241033554077},{"word":"you","start":212.04999,"end":212.20999,"confidence":0.99776983,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.43978291749954224},{"word":"are","start":212.20999,"end":212.37,"confidence":0.9956995,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4330013692378998},{"word":"getting","start":212.37,"end":212.745,"confidence":0.9957073,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.3977953791618347},{"word":"closer","start":212.825,"end":212.985,"confidence":0.97871554,"punctuated_word":"closer","sentiment":"positive","sentiment_score":0.3930363357067108},{"word":"to","start":212.985,"end":213.22499,"confidence":0.99447155,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5103338956832886},{"word":"accessing","start":213.22499,"end":213.705,"confidence":0.99720556,"punctuated_word":"accessing","sentiment":"positive","sentiment_score":0.4711364209651947},{"word":"super","start":213.705,"end":214.185,"confidence":0.8828027,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.490397185087204},{"word":"i","start":214.185,"end":214.345,"confidence":0.9996973,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28534960746765137},{"word":"wanted","start":214.345,"end":214.58499,"confidence":0.99981385,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2856734097003937},{"word":"to","start":214.58499,"end":214.665,"confidence":0.9996216,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26447784900665283},{"word":"make","start":214.665,"end":214.825,"confidence":0.9998548,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2821837365627289},{"word":"sure","start":214.825,"end":214.985,"confidence":0.9998056,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3100816011428833},{"word":"that","start":214.985,"end":215.14499,"confidence":0.9998572,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29157912731170654},{"word":"you","start":215.14499,"end":215.305,"confidence":0.999806,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28838130831718445},{"word":"kind","start":215.305,"end":215.465,"confidence":0.90216345,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2814697325229645},{"word":"of","start":215.465,"end":215.625,"confidence":0.99951255,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25776368379592896},{"word":"get","start":215.625,"end":215.78499,"confidence":0.9982779,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2791595160961151},{"word":"a","start":215.78499,"end":215.86499,"confidence":0.99961025,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31253868341445923},{"word":"bit","start":215.86499,"end":215.94499,"confidence":0.9998802,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3617097735404968},{"word":"of","start":215.94499,"end":216.105,"confidence":0.99958426,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31529074907302856},{"word":"an","start":216.105,"end":216.265,"confidence":0.99971384,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.3156578242778778},{"word":"idea","start":216.265,"end":216.58499,"confidence":0.9993575,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.20776349306106567},{"word":"of","start":216.58499,"end":216.665,"confidence":0.9684721,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2091679722070694},{"word":"where","start":216.665,"end":216.905,"confidence":0.9995956,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1965880990028381},{"word":"we're","start":216.905,"end":217.065,"confidence":0.9993907,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.22899606823921204},{"word":"heading","start":217.065,"end":217.305,"confidence":0.9803842,"punctuated_word":"heading,","sentiment":"neutral","sentiment_score":0.23035043478012085},{"word":"where","start":217.305,"end":217.545,"confidence":0.96488124,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.21399934589862823},{"word":"we're","start":217.545,"end":217.705,"confidence":0.99846447,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.182406947016716},{"word":"tracking","start":217.705,"end":218.105,"confidence":0.9984713,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.22205623984336853},{"word":"for","start":218.105,"end":218.345,"confidence":0.97591,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1253121942281723},{"word":"at","start":218.345,"end":218.42499,"confidence":0.9618707,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1633809506893158},{"word":"the","start":218.42499,"end":218.50499,"confidence":0.9972523,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21202467381954193},{"word":"moment","start":218.50499,"end":218.825,"confidence":0.9999567,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.20828719437122345},{"word":"with","start":218.825,"end":219.065,"confidence":0.87845397,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20464682579040527},{"word":"regard","start":219.065,"end":219.305,"confidence":0.9700532,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.18959444761276245},{"word":"to","start":219.305,"end":219.385,"confidence":0.98445064,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24188470840454104},{"word":"that","start":219.385,"end":219.625,"confidence":0.99801415,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2133273482322693},{"word":"you're","start":219.625,"end":219.86499,"confidence":0.9969821,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.23309354484081268},{"word":"in","start":219.86499,"end":220.025,"confidence":0.99947196,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23592087626457217},{"word":"your","start":220.025,"end":220.185,"confidence":0.98754543,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.287556916475296},{"word":"fifties","start":220.185,"end":220.58499,"confidence":0.9291768,"punctuated_word":"fifties,","sentiment":"neutral","sentiment_score":0.23999588191509247},{"word":"so","start":220.58499,"end":220.745,"confidence":0.9996828,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2016427218914032},{"word":"you","start":220.745,"end":220.905,"confidence":0.9997867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3258320689201355},{"word":"are","start":220.905,"end":221.14499,"confidence":0.9963231,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.31066352128982544},{"word":"getting","start":221.14499,"end":221.385,"confidence":0.9996164,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2637619078159332},{"word":"closer","start":221.385,"end":221.78499,"confidence":0.98201615,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.23466715216636655},{"word":"to","start":221.78499,"end":221.94499,"confidence":0.99835914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32683107256889343},{"word":"those","start":221.94499,"end":222.185,"confidence":0.981683,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3529391884803772},{"word":"retirement","start":222.185,"end":222.665,"confidence":0.99583936,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2780217230319977},{"word":"years","start":222.665,"end":223.165,"confidence":0.97341514,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.31109896302223206},{"word":"so","start":223.465,"end":223.78499,"confidence":0.6459439,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26330775022506714},{"word":"not","start":223.78499,"end":223.94499,"confidence":0.9542494,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2539156675338745},{"word":"only","start":223.94499,"end":224.185,"confidence":0.9991924,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.2054845094680786},{"word":"just","start":224.185,"end":224.42499,"confidence":0.99876803,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31034931540489197},{"word":"looking","start":224.42499,"end":224.665,"confidence":0.9973768,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2850201725959778},{"word":"at","start":224.665,"end":224.905,"confidence":0.9874699,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2644170820713043},{"word":"super","start":224.905,"end":225.14499,"confidence":0.82106966,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.3693232536315918},{"word":"but","start":225.14499,"end":225.305,"confidence":0.9946938,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.3170575499534607},{"word":"kinda","start":225.305,"end":225.625,"confidence":0.93326557,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.3264155387878418},{"word":"showing","start":225.625,"end":225.86499,"confidence":0.9978879,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.29233619570732117},{"word":"you","start":225.86499,"end":226.025,"confidence":0.99150836,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4260823130607605},{"word":"what","start":226.025,"end":226.185,"confidence":0.9744086,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4069594144821167},{"word":"we're","start":226.185,"end":226.345,"confidence":0.9931066,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3882977366447449},{"word":"on","start":226.345,"end":226.58499,"confidence":0.9768147,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.32084378600120544},{"word":"track","start":226.58499,"end":226.825,"confidence":0.9909923,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.31680646538734436},{"word":"for","start":226.825,"end":227.065,"confidence":0.87478864,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31582608819007874},{"word":"based","start":227.065,"end":227.305,"confidence":0.96009725,"punctuated_word":"based","sentiment":"positive","sentiment_score":0.3606839776039123},{"word":"on","start":227.305,"end":227.385,"confidence":0.9308044,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.44428810477256775},{"word":"the","start":227.385,"end":227.885,"confidence":0.84665126,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3504692316055298},{"word":"recommendations","start":228.24,"end":228.74,"confidence":0.9395736,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.29417333006858826},{"word":"there","start":228.8,"end":229.12,"confidence":0.9990448,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.22613170742988584},{"word":"okay","start":229.12,"end":229.62,"confidence":0.99021137,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12429886311292648},{"word":"one","start":230.72,"end":230.96,"confidence":0.7172488,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.05967356264591217},{"word":"of","start":230.96,"end":231.04,"confidence":0.9993824,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0044795796275138855},{"word":"the","start":231.04,"end":231.12,"confidence":0.9992041,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05801998823881149},{"word":"things","start":231.12,"end":231.44,"confidence":0.9997577,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.04209427535533905},{"word":"we","start":231.44,"end":231.68,"confidence":0.9971419,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10083985328674316},{"word":"also","start":231.68,"end":232.0,"confidence":0.9990746,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.10319339483976364},{"word":"did","start":232.0,"end":232.24,"confidence":0.9986076,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.07469192147254944},{"word":"talk","start":232.24,"end":232.48,"confidence":0.99733293,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.038693588227033615},{"word":"about","start":232.48,"end":232.8,"confidence":0.9997676,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04948641359806061},{"word":"was","start":232.8,"end":233.04,"confidence":0.9996136,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1140412837266922},{"word":"the","start":233.04,"end":233.28,"confidence":0.99950516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12747707962989807},{"word":"insurance","start":233.28,"end":233.68,"confidence":0.999666,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.11956895142793655},{"word":"side","start":233.68,"end":233.92,"confidence":0.9990615,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.08857834339141846},{"word":"of","start":233.92,"end":234.0,"confidence":0.9991553,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09695617854595184},{"word":"things","start":234.0,"end":234.48,"confidence":0.98710096,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.14277489483356476},{"word":"so","start":234.48,"end":234.8,"confidence":0.9996871,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1107695698738098},{"word":"we","start":234.8,"end":234.96,"confidence":0.99964213,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11961645632982254},{"word":"did","start":234.96,"end":235.2,"confidence":0.9998487,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.1226200833916664},{"word":"you","start":235.28,"end":235.44,"confidence":0.9974412,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10322237759828568},{"word":"did","start":235.44,"end":235.6,"confidence":0.93465227,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.08859765529632568},{"word":"want","start":235.6,"end":235.76,"confidence":0.9969008,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.15360276401042938},{"word":"me","start":235.76,"end":236.0,"confidence":0.9998241,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.1230403259396553},{"word":"to","start":236.0,"end":236.08,"confidence":0.9983423,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13263055682182312},{"word":"go","start":236.08,"end":236.24,"confidence":0.99980897,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.13728290796279907},{"word":"back","start":236.24,"end":236.4,"confidence":0.9997942,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.16107988357543945},{"word":"and","start":236.4,"end":236.56,"confidence":0.9985362,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2054884433746338},{"word":"see","start":236.56,"end":236.8,"confidence":0.9995431,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.19763875007629397},{"word":"if","start":236.8,"end":236.96,"confidence":0.99972624,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15095916390419006},{"word":"i","start":236.96,"end":237.12,"confidence":0.9998598,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19967612624168396},{"word":"was","start":237.12,"end":237.28,"confidence":0.9997868,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.22015149891376495},{"word":"able","start":237.28,"end":237.6,"confidence":0.9997625,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.1406504511833191},{"word":"to","start":237.6,"end":237.84,"confidence":0.99961394,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17269708216190338},{"word":"get","start":237.84,"end":238.08,"confidence":0.9998982,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.22863247990608215},{"word":"any","start":238.08,"end":238.32,"confidence":0.9998692,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.12290938943624496},{"word":"cover","start":238.32,"end":238.72,"confidence":0.999463,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.17615564167499542},{"word":"for","start":238.72,"end":238.96,"confidence":0.9996629,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06884920597076416},{"word":"you","start":238.96,"end":239.46,"confidence":0.9677526,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.12504559755325317},{"word":"i","start":239.56,"end":240.06,"confidence":0.9590825,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06109145283699035},{"word":"did","start":240.16,"end":240.32,"confidence":0.99729866,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.020304381847381592},{"word":"go","start":240.32,"end":240.56,"confidence":0.99990904,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.08485205471515656},{"word":"back","start":240.56,"end":240.8,"confidence":0.99940765,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.12154248356819151},{"word":"and","start":240.8,"end":240.96,"confidence":0.99205524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11262620240449904},{"word":"look","start":240.96,"end":241.28,"confidence":0.99243706,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.15890569984912872},{"word":"and","start":241.28,"end":241.44,"confidence":0.9761905,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08822841942310333},{"word":"do","start":241.44,"end":241.68,"confidence":0.99839693,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07702380418777466},{"word":"a","start":241.68,"end":241.76,"confidence":0.9912896,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03825487941503525},{"word":"lot","start":241.76,"end":241.92,"confidence":0.9982496,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.023337826132774353},{"word":"of","start":241.92,"end":242.205,"confidence":0.996068,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06871505081653595},{"word":"research","start":242.205,"end":242.52501,"confidence":0.9688306,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.11535592377185822},{"word":"and","start":242.52501,"end":242.685,"confidence":0.96862507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0820363387465477},{"word":"a","start":242.685,"end":242.845,"confidence":0.9967938,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09880495071411131},{"word":"lot","start":242.845,"end":243.16501,"confidence":0.9998437,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07220352441072464},{"word":"of","start":243.16501,"end":243.245,"confidence":0.99873763,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08673971891403198},{"word":"willing","start":243.245,"end":243.565,"confidence":0.3241181,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.032323554158210754},{"word":"and","start":243.565,"end":243.725,"confidence":0.9763085,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09845265746116638},{"word":"dealing","start":243.725,"end":243.965,"confidence":0.9995554,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":-0.11226941645145416},{"word":"with","start":243.965,"end":244.205,"confidence":0.99962735,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12561875581741333},{"word":"regard","start":244.205,"end":244.52501,"confidence":0.61154956,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":-0.14558666944503784},{"word":"to","start":244.52501,"end":244.605,"confidence":0.99613166,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11598097532987596},{"word":"the","start":244.605,"end":244.765,"confidence":0.99766374,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13300873339176178},{"word":"insurance","start":244.765,"end":245.16501,"confidence":0.99807006,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.15604841709136963},{"word":"side","start":245.16501,"end":245.325,"confidence":0.99732,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.09420952945947648},{"word":"of","start":245.325,"end":245.405,"confidence":0.99884146,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08497823774814606},{"word":"things","start":245.405,"end":245.725,"confidence":0.87510216,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.14321398735046387},{"word":"because","start":245.725,"end":246.045,"confidence":0.999137,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.3086714744567871},{"word":"you","start":246.045,"end":246.205,"confidence":0.9992638,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.36850857734680176},{"word":"had","start":246.205,"end":246.445,"confidence":0.999243,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.3223925232887268},{"word":"a","start":246.445,"end":246.525,"confidence":0.99703205,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.37111446261405945},{"word":"tpd","start":246.525,"end":247.025,"confidence":0.7800185,"punctuated_word":"TPD","sentiment":"negative","sentiment_score":-0.40892142057418823},{"word":"claim","start":247.16501,"end":247.485,"confidence":0.9905364,"punctuated_word":"claim","sentiment":"negative","sentiment_score":-0.40335047245025635},{"word":"back","start":247.485,"end":247.80501,"confidence":0.99884367,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.34602177143096924},{"word":"a","start":247.80501,"end":247.965,"confidence":0.97549045,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.36428123712539673},{"word":"while","start":247.965,"end":248.205,"confidence":0.9998822,"punctuated_word":"while","sentiment":"negative","sentiment_score":-0.33524659276008606},{"word":"ago","start":248.205,"end":248.605,"confidence":0.9976119,"punctuated_word":"ago,","sentiment":"negative","sentiment_score":-0.3516318202018738},{"word":"it","start":248.605,"end":248.765,"confidence":0.99873036,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5130805373191833},{"word":"was","start":248.765,"end":249.005,"confidence":0.9998635,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4824977219104767},{"word":"gonna","start":249.005,"end":249.325,"confidence":0.9994636,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5255277752876282},{"word":"be","start":249.325,"end":249.485,"confidence":0.99854517,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5430274605751038},{"word":"difficult","start":249.485,"end":249.985,"confidence":0.9990915,"punctuated_word":"difficult.","sentiment":"negative","sentiment_score":-0.3997822701931},{"word":"i","start":250.765,"end":250.925,"confidence":0.99969316,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1310322731733322},{"word":"did","start":250.925,"end":251.16501,"confidence":0.96112615,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.08316010236740112},{"word":"speak","start":251.16501,"end":251.245,"confidence":0.92511237,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.13932225108146667},{"word":"yeah","start":252.365,"end":252.765,"confidence":0.9847726,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.13385456800460815},{"word":"i","start":252.765,"end":252.925,"confidence":0.99980706,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19288328289985657},{"word":"did","start":252.925,"end":253.16501,"confidence":0.9995869,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.1009887233376503},{"word":"speak","start":253.16501,"end":253.405,"confidence":0.99948406,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.23908907175064087},{"word":"to","start":253.405,"end":253.565,"confidence":0.99946064,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24219846725463867},{"word":"the","start":253.565,"end":253.725,"confidence":0.9996517,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27903491258621216},{"word":"insurers","start":253.725,"end":254.225,"confidence":0.6406935,"punctuated_word":"insurers,","sentiment":"neutral","sentiment_score":-0.20755091309547424},{"word":"and","start":254.285,"end":254.525,"confidence":0.99869305,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14802366495132446},{"word":"because","start":254.525,"end":254.845,"confidence":0.9983152,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14561167359352112},{"word":"of","start":254.845,"end":255.005,"confidence":0.9980889,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17020584642887115},{"word":"the","start":255.005,"end":255.085,"confidence":0.9991629,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1928899586200714},{"word":"reason","start":255.085,"end":255.485,"confidence":0.99969244,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.21611709892749784},{"word":"for","start":255.485,"end":255.645,"confidence":0.9972498,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19572745263576508},{"word":"the","start":255.645,"end":255.80501,"confidence":0.99551,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24937069416046145},{"word":"tpd","start":255.80501,"end":256.305,"confidence":0.9906976,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.2516341507434845},{"word":"claim","start":256.5,"end":256.98,"confidence":0.98573864,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":-0.2248808741569519},{"word":"which","start":256.98,"end":257.14,"confidence":0.82705736,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.23351867496967316},{"word":"was","start":257.14,"end":257.3,"confidence":0.99950683,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.26302775740623474},{"word":"the","start":257.3,"end":257.46,"confidence":0.9263414,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34695273637771606},{"word":"lung","start":257.46,"end":257.7,"confidence":0.9996288,"punctuated_word":"lung","sentiment":"negative","sentiment_score":-0.37472715973854065},{"word":"cancer","start":257.7,"end":258.1,"confidence":0.9995204,"punctuated_word":"cancer","sentiment":"negative","sentiment_score":-0.39463454484939575},{"word":"diagnosis","start":258.1,"end":258.6,"confidence":0.99791384,"punctuated_word":"diagnosis,","sentiment":"neutral","sentiment_score":-0.28037315607070923},{"word":"they","start":259.38,"end":259.7,"confidence":0.93382895,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.36398059129714966},{"word":"actually","start":259.7,"end":260.1,"confidence":0.8821059,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.3594745099544525},{"word":"come","start":260.1,"end":260.26,"confidence":0.9886827,"punctuated_word":"come","sentiment":"negative","sentiment_score":-0.40707075595855713},{"word":"back","start":260.26,"end":260.5,"confidence":0.9985942,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.3742006719112396},{"word":"saying","start":260.5,"end":260.82,"confidence":0.9919077,"punctuated_word":"saying","sentiment":"negative","sentiment_score":-0.4329240620136261},{"word":"they're","start":260.82,"end":260.98,"confidence":0.9966791,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.5183009505271912},{"word":"not","start":260.98,"end":261.14,"confidence":0.999721,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5969905853271484},{"word":"willing","start":261.14,"end":261.46,"confidence":0.9997818,"punctuated_word":"willing","sentiment":"negative","sentiment_score":-0.6079823970794678},{"word":"to","start":261.46,"end":261.62,"confidence":0.99817705,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5327272415161133},{"word":"offer","start":261.62,"end":261.94,"confidence":0.9998814,"punctuated_word":"offer","sentiment":"negative","sentiment_score":-0.640081524848938},{"word":"any","start":261.94,"end":262.18,"confidence":0.9995441,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.4439159035682678},{"word":"cover","start":262.18,"end":262.5,"confidence":0.9989617,"punctuated_word":"cover","sentiment":"negative","sentiment_score":-0.3780129551887512},{"word":"at","start":262.5,"end":262.66,"confidence":0.9971041,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5577784180641174},{"word":"all","start":262.66,"end":262.82,"confidence":0.994632,"punctuated_word":"all.","sentiment":"negative","sentiment_score":-0.45307695865631104},{"word":"we","start":262.82,"end":262.98,"confidence":0.99655163,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.5180996060371399},{"word":"are","start":262.98,"end":263.06,"confidence":0.96791506,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.5504274964332581},{"word":"not","start":263.06,"end":263.3,"confidence":0.9996524,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.539635956287384},{"word":"even","start":263.3,"end":263.46,"confidence":0.9980344,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.5656578540802002},{"word":"able","start":263.46,"end":263.78,"confidence":0.9995529,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.5665364265441895},{"word":"to","start":263.78,"end":263.86,"confidence":0.99952316,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5483496189117432},{"word":"get","start":263.86,"end":264.1,"confidence":0.9999145,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.6127307415008545},{"word":"life","start":264.1,"end":264.34,"confidence":0.99051625,"punctuated_word":"life","sentiment":"negative","sentiment_score":-0.6452707648277283},{"word":"or","start":264.34,"end":264.5,"confidence":0.99883956,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.6328334808349609},{"word":"trauma","start":264.5,"end":264.98,"confidence":0.99939656,"punctuated_word":"trauma","sentiment":"negative","sentiment_score":-0.6271209716796875},{"word":"at","start":264.98,"end":265.14,"confidence":0.9997055,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5255861282348633},{"word":"the","start":265.14,"end":265.22,"confidence":0.9996791,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5058686137199402},{"word":"moment","start":265.22,"end":265.72,"confidence":0.9694036,"punctuated_word":"moment.","sentiment":"negative","sentiment_score":-0.4542979300022125},{"word":"so","start":265.86,"end":266.36,"confidence":0.9987381,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17530156672000885},{"word":"what","start":266.66,"end":266.82,"confidence":0.9855386,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15354642271995544},{"word":"i've","start":266.82,"end":267.06,"confidence":0.909583,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.01090856920927763},{"word":"wanted","start":267.06,"end":267.38,"confidence":0.9998883,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05610388517379761},{"word":"to","start":267.38,"end":267.54,"confidence":0.9994748,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15408441424369812},{"word":"do","start":267.54,"end":267.78,"confidence":0.9995777,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18585535883903503},{"word":"we","start":268.1,"end":268.34,"confidence":0.99965775,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1865519881248474},{"word":"tried","start":268.34,"end":268.66,"confidence":0.98657286,"punctuated_word":"tried.","sentiment":"neutral","sentiment_score":0.15667849779129028},{"word":"we","start":268.66,"end":268.9,"confidence":0.9997155,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3334997594356537},{"word":"we","start":268.9,"end":269.06,"confidence":0.99971193,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3481781482696533},{"word":"gave","start":269.06,"end":269.22,"confidence":0.99966013,"punctuated_word":"gave","sentiment":"positive","sentiment_score":0.33589377999305725},{"word":"it","start":269.22,"end":269.38,"confidence":0.9919212,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19354936480522156},{"word":"our","start":269.38,"end":269.54,"confidence":0.99563533,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12555553019046783},{"word":"best","start":269.54,"end":269.78,"confidence":0.9991493,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.07377342879772186},{"word":"shot","start":269.78,"end":270.165,"confidence":0.9360083,"punctuated_word":"shot.","sentiment":"neutral","sentiment_score":0.16701140999794006},{"word":"so","start":271.36502,"end":271.605,"confidence":0.97188085,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05564334988594055},{"word":"it","start":271.605,"end":271.685,"confidence":0.8585537,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02134057879447937},{"word":"does","start":271.685,"end":271.92502,"confidence":0.9092928,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.005648493766784668},{"word":"mean","start":271.92502,"end":272.08502,"confidence":0.9986349,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.01736295223236084},{"word":"that","start":272.08502,"end":272.165,"confidence":0.9993349,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05113384127616882},{"word":"we","start":272.165,"end":272.325,"confidence":0.9998721,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15002891421318054},{"word":"are","start":272.325,"end":272.48502,"confidence":0.99878913,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.12674866616725922},{"word":"not","start":272.48502,"end":272.64502,"confidence":0.9993419,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2129085659980774},{"word":"able","start":272.64502,"end":272.885,"confidence":0.9995117,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.1915804147720337},{"word":"to","start":272.885,"end":272.965,"confidence":0.99875355,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1972413957118988},{"word":"make","start":272.965,"end":273.20502,"confidence":0.99927825,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.22588658332824707},{"word":"a","start":273.20502,"end":273.36502,"confidence":0.9984993,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2234828770160675},{"word":"recommendation","start":273.36502,"end":273.845,"confidence":0.719219,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":-0.22570288181304932},{"word":"and","start":273.845,"end":273.92502,"confidence":0.91370714,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1485050916671753},{"word":"we're","start":273.92502,"end":274.165,"confidence":0.99379206,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2578582763671875},{"word":"not","start":274.165,"end":274.245,"confidence":0.9990294,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.279140830039978},{"word":"able","start":274.245,"end":274.48502,"confidence":0.9993777,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.22897475957870483},{"word":"to","start":274.48502,"end":274.64502,"confidence":0.9988783,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2930433452129364},{"word":"meet","start":274.64502,"end":274.885,"confidence":0.9797916,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.2740711569786072},{"word":"your","start":274.885,"end":275.125,"confidence":0.99975604,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.22814205288887024},{"word":"insurance","start":275.125,"end":275.625,"confidence":0.9996953,"punctuated_word":"insurance","sentiment":"negative","sentiment_score":-0.4241337776184082},{"word":"goal","start":275.685,"end":276.165,"confidence":0.99701715,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":-0.2060338854789734},{"word":"however","start":276.165,"end":276.665,"confidence":0.9988769,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.024073466658592224},{"word":"because","start":276.885,"end":277.20502,"confidence":0.99972206,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08928196132183075},{"word":"you","start":277.20502,"end":277.36502,"confidence":0.999828,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05161935091018677},{"word":"are","start":277.36502,"end":277.605,"confidence":0.9999474,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.023025065660476685},{"word":"in","start":277.605,"end":277.765,"confidence":0.9997205,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.047496527433395386},{"word":"your","start":277.765,"end":278.005,"confidence":0.99938893,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07495437562465668},{"word":"fifties","start":278.005,"end":278.405,"confidence":0.99709123,"punctuated_word":"fifties,","sentiment":"neutral","sentiment_score":-0.006167590618133545},{"word":"i","start":278.405,"end":278.64502,"confidence":0.99966156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1737552136182785},{"word":"wanted","start":278.64502,"end":278.885,"confidence":0.9804976,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14687876403331757},{"word":"to","start":278.885,"end":279.045,"confidence":0.998892,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1295604705810547},{"word":"put","start":279.045,"end":279.285,"confidence":0.9998622,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09254184365272522},{"word":"a","start":279.285,"end":279.36502,"confidence":0.9998504,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16749805212020874},{"word":"bit","start":279.36502,"end":279.525,"confidence":0.99982196,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20865635573863983},{"word":"more","start":279.525,"end":279.765,"confidence":0.9997619,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10204489529132844},{"word":"focus","start":279.765,"end":280.08502,"confidence":0.99845266,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.2009584903717041},{"word":"into","start":280.08502,"end":280.325,"confidence":0.9956792,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2948911786079407},{"word":"your","start":280.325,"end":280.565,"confidence":0.9900359,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.33838000893592834},{"word":"super","start":280.565,"end":280.885,"confidence":0.9227785,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.4401119947433472},{"word":"let's","start":280.885,"end":281.20502,"confidence":0.9968858,"punctuated_word":"Let's","sentiment":"positive","sentiment_score":0.45326972007751465},{"word":"boost","start":281.20502,"end":281.525,"confidence":0.9929087,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.5302231311798096},{"word":"your","start":281.525,"end":281.685,"confidence":0.9814181,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5785492658615112},{"word":"super","start":281.685,"end":282.185,"confidence":0.9994937,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6654609441757202},{"word":"to","start":282.31998,"end":282.56,"confidence":0.9995185,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.45416879653930664},{"word":"kind","start":282.56,"end":282.72,"confidence":0.9940533,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.46490728855133057},{"word":"of","start":282.72,"end":282.8,"confidence":0.9997936,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2705227732658386},{"word":"close","start":282.8,"end":283.19998,"confidence":0.99799037,"punctuated_word":"close","sentiment":"positive","sentiment_score":0.3510793447494507},{"word":"that","start":283.19998,"end":283.44,"confidence":0.99922717,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.330504447221756},{"word":"gap","start":283.44,"end":283.75998,"confidence":0.8887894,"punctuated_word":"gap.","sentiment":"neutral","sentiment_score":0.21315866708755493},{"word":"so","start":283.75998,"end":284.08,"confidence":0.99930084,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3936370015144348},{"word":"if","start":284.08,"end":284.24,"confidence":0.9990086,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4918879568576813},{"word":"anything","start":284.24,"end":284.63998,"confidence":0.99982256,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.4933999478816986},{"word":"happens","start":284.63998,"end":285.03998,"confidence":0.99846554,"punctuated_word":"happens","sentiment":"positive","sentiment_score":0.3591930866241455},{"word":"from","start":285.03998,"end":285.28,"confidence":0.9989079,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.32502448558807373},{"word":"the","start":285.28,"end":285.44,"confidence":0.9995053,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25929659605026245},{"word":"age","start":285.44,"end":285.68,"confidence":0.9834222,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.19452552497386932},{"word":"of","start":285.68,"end":285.75998,"confidence":0.9959925,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16588394343852997},{"word":"60","start":285.75998,"end":286.16,"confidence":0.9928543,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.25203076004981995},{"word":"onwards","start":286.16,"end":286.66,"confidence":0.9589572,"punctuated_word":"onwards,","sentiment":"neutral","sentiment_score":0.2925633192062378},{"word":"you're","start":286.88,"end":287.19998,"confidence":0.9951997,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4050570726394654},{"word":"able","start":287.19998,"end":287.44,"confidence":0.9998411,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.39313775300979614},{"word":"to","start":287.44,"end":287.59998,"confidence":0.9987644,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36867788434028625},{"word":"access","start":287.59998,"end":288.0,"confidence":0.995577,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.29597008228302},{"word":"your","start":288.0,"end":288.24,"confidence":0.9645453,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3725012540817261},{"word":"super","start":288.24,"end":288.74,"confidence":0.9830899,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.40337151288986206},{"word":"even","start":289.28,"end":289.75998,"confidence":0.7271532,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.08900292217731476},{"word":"before","start":289.75998,"end":290.16,"confidence":0.99712,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1211102157831192},{"word":"the","start":290.16,"end":290.4,"confidence":0.99948066,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20664292573928833},{"word":"age","start":290.4,"end":290.63998,"confidence":0.98031807,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.1778862476348877},{"word":"of","start":290.63998,"end":290.8,"confidence":0.99565804,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18936465680599213},{"word":"60","start":290.8,"end":291.19998,"confidence":0.96706265,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.15922117233276367},{"word":"say","start":291.19998,"end":291.52,"confidence":0.8843984,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.11325205117464066},{"word":"if","start":291.52,"end":291.75998,"confidence":0.9988324,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.176023930311203},{"word":"something","start":291.75998,"end":292.08,"confidence":0.9995415,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.19503961503505707},{"word":"was","start":292.08,"end":292.31998,"confidence":0.98462546,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1888486444950104},{"word":"to","start":292.31998,"end":292.4,"confidence":0.99667895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24158528447151184},{"word":"happen","start":292.4,"end":292.8,"confidence":0.9892364,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.2563963532447815},{"word":"to","start":292.8,"end":292.88,"confidence":0.99880505,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2596883177757263},{"word":"you","start":292.88,"end":293.03998,"confidence":0.99982065,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22859258949756625},{"word":"and","start":293.03998,"end":293.28,"confidence":0.93616503,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1457454264163971},{"word":"you","start":293.28,"end":293.36,"confidence":0.9995466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23581808805465695},{"word":"were","start":293.36,"end":293.52,"confidence":0.65183264,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.21228499710559845},{"word":"to","start":293.52,"end":293.75998,"confidence":0.8770399,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.20737870037555697},{"word":"you","start":293.75998,"end":293.84,"confidence":0.99970514,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21271589398384097},{"word":"know","start":293.84,"end":294.24,"confidence":0.99626887,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.23157063126564023},{"word":"have","start":294.24,"end":294.47998,"confidence":0.9389557,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3102419078350067},{"word":"to","start":294.47998,"end":294.72,"confidence":0.99608177,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3605516850948334},{"word":"claim","start":294.72,"end":295.12,"confidence":0.9894357,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.19492636620998385},{"word":"ppd","start":295.12,"end":295.59998,"confidence":0.59000534,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":-0.19375348091125488},{"word":"and","start":295.59998,"end":295.75998,"confidence":0.8665682,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24221718311309817},{"word":"you","start":295.75998,"end":295.91998,"confidence":0.9986778,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2824995517730713},{"word":"could","start":295.91998,"end":296.08,"confidence":0.9858732,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.2917890250682831},{"word":"get","start":296.08,"end":296.24,"confidence":0.99921024,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.28846317529678345},{"word":"the","start":296.24,"end":296.31998,"confidence":0.9957344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30605125427246094},{"word":"doctors","start":296.31998,"end":296.72,"confidence":0.9892268,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.24731594324111936},{"word":"to","start":296.72,"end":296.96,"confidence":0.9976041,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28071099519729614},{"word":"sign","start":296.96,"end":297.19998,"confidence":0.99986196,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.19061601161956787},{"word":"off","start":297.19998,"end":297.36,"confidence":0.99686927,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2469804435968399},{"word":"on","start":297.36,"end":297.52,"confidence":0.9996136,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.21682699024677277},{"word":"that","start":297.52,"end":297.945,"confidence":0.9902913,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.19657954573631287},{"word":"then","start":298.025,"end":298.185,"confidence":0.9993419,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.18869809806346893},{"word":"we","start":298.185,"end":298.345,"confidence":0.999466,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.22384381294250488},{"word":"also","start":298.345,"end":298.825,"confidence":0.9991792,"punctuated_word":"also","sentiment":"negative","sentiment_score":-0.3568651080131531},{"word":"can","start":298.825,"end":299.065,"confidence":0.9989839,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.32761573791503906},{"word":"claim","start":299.065,"end":299.465,"confidence":0.99044937,"punctuated_word":"claim","sentiment":"negative","sentiment_score":-0.3533186912536621},{"word":"permanent","start":299.465,"end":299.86502,"confidence":0.93934023,"punctuated_word":"permanent","sentiment":"negative","sentiment_score":-0.498752236366272},{"word":"incapacity","start":299.86502,"end":300.36502,"confidence":0.77022123,"punctuated_word":"incapacity","sentiment":"negative","sentiment_score":-0.5250611901283264},{"word":"against","start":300.505,"end":300.905,"confidence":0.9985713,"punctuated_word":"against","sentiment":"negative","sentiment_score":-0.3821285367012024},{"word":"your","start":300.905,"end":301.14502,"confidence":0.96522164,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4669177234172821},{"word":"super","start":301.14502,"end":301.545,"confidence":0.6480392,"punctuated_word":"super.","sentiment":"negative","sentiment_score":-0.3794126212596894},{"word":"so","start":301.545,"end":302.045,"confidence":0.99892634,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.20139113068580627},{"word":"there's","start":302.345,"end":302.665,"confidence":0.9065167,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2647809088230133},{"word":"it's","start":302.745,"end":303.245,"confidence":0.64677495,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.27207785844802856},{"word":"it's","start":303.305,"end":303.625,"confidence":0.9987259,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.34624823927879333},{"word":"still","start":303.625,"end":303.86502,"confidence":0.99910164,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.4037736058235169},{"word":"leaving","start":303.86502,"end":304.185,"confidence":0.8382502,"punctuated_word":"leaving","sentiment":"negative","sentiment_score":-0.38649553060531616},{"word":"a","start":304.185,"end":304.265,"confidence":0.9993905,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.39417701959609985},{"word":"bit","start":304.265,"end":304.42502,"confidence":0.9997917,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3694443702697754},{"word":"of","start":304.42502,"end":304.58502,"confidence":0.9997639,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.48562830686569214},{"word":"a","start":304.58502,"end":304.665,"confidence":0.99732083,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4599698781967163},{"word":"gap","start":304.665,"end":304.905,"confidence":0.9983126,"punctuated_word":"gap","sentiment":"negative","sentiment_score":-0.5069370865821838},{"word":"there","start":304.905,"end":305.065,"confidence":0.9839279,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.2651542127132416},{"word":"but","start":305.065,"end":305.305,"confidence":0.9998198,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06693665683269501},{"word":"there","start":305.305,"end":305.465,"confidence":0.9992623,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1519753336906433},{"word":"are","start":305.465,"end":305.625,"confidence":0.99946135,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08536840975284576},{"word":"things","start":305.625,"end":305.86502,"confidence":0.9991345,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.07648283243179321},{"word":"that","start":305.86502,"end":305.945,"confidence":0.99948907,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08097545802593231},{"word":"we","start":305.945,"end":306.105,"confidence":0.99990165,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03273195028305054},{"word":"can","start":306.105,"end":306.265,"confidence":0.99978095,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05892215669155121},{"word":"do","start":306.265,"end":306.42502,"confidence":0.9991341,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12313272058963776},{"word":"down","start":306.42502,"end":306.665,"confidence":0.999613,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.030047237873077393},{"word":"the","start":306.665,"end":306.745,"confidence":0.99761,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0984589457511902},{"word":"track","start":306.745,"end":306.98502,"confidence":0.9145478,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":-0.04980148375034332},{"word":"so","start":306.98502,"end":307.14502,"confidence":0.9996395,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029049694538116455},{"word":"i","start":307.14502,"end":307.225,"confidence":0.9994405,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.049990102648735046},{"word":"wanted","start":307.225,"end":307.545,"confidence":0.9267151,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05192376673221588},{"word":"to","start":307.545,"end":307.70502,"confidence":0.9895252,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006930157542228699},{"word":"be","start":307.70502,"end":307.86502,"confidence":0.99859136,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.029580488801002502},{"word":"open","start":307.86502,"end":308.105,"confidence":0.9983053,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.0846644937992096},{"word":"and","start":308.105,"end":308.265,"confidence":0.99841607,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0598016083240509},{"word":"honest","start":308.265,"end":308.58502,"confidence":0.9995427,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.038164541125297546},{"word":"there","start":308.58502,"end":308.745,"confidence":0.77708423,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.14332246780395508},{"word":"and","start":308.745,"end":308.905,"confidence":0.9996338,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09217476844787598},{"word":"i","start":308.905,"end":308.98502,"confidence":0.99824107,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02083548903465271},{"word":"figured","start":308.98502,"end":309.465,"confidence":0.99709177,"punctuated_word":"figured","sentiment":"neutral","sentiment_score":0.0675024539232254},{"word":"since","start":309.465,"end":309.70502,"confidence":0.7252784,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.13868913054466248},{"word":"we","start":309.70502,"end":309.86502,"confidence":0.9929004,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2232013642787933},{"word":"can't","start":309.86502,"end":310.025,"confidence":0.99705637,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.31302863359451294},{"word":"get","start":310.025,"end":310.23,"confidence":0.9039621,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4992237985134125},{"word":"the","start":310.31,"end":310.47,"confidence":0.99470973,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.39129528403282166},{"word":"insurance","start":310.47,"end":310.79,"confidence":0.8436324,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.31879955530166626},{"word":"if","start":310.79,"end":310.95,"confidence":0.8442651,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.3307247757911682},{"word":"we're","start":310.95,"end":311.19,"confidence":0.99898815,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2906477451324463},{"word":"not","start":311.19,"end":311.35,"confidence":0.99977475,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2956489324569702},{"word":"able","start":311.35,"end":311.59,"confidence":0.99937755,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.18228912353515625},{"word":"to","start":311.59,"end":311.67,"confidence":0.99921095,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13051466643810272},{"word":"meet","start":311.67,"end":311.91,"confidence":0.9844498,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.13414914906024933},{"word":"that","start":311.91,"end":312.15002,"confidence":0.99953544,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01908719539642334},{"word":"goal","start":312.15002,"end":312.39,"confidence":0.9942589,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.23175320029258728},{"word":"let's","start":312.39,"end":312.63,"confidence":0.99951303,"punctuated_word":"let's","sentiment":"positive","sentiment_score":0.3445405960083008},{"word":"focus","start":312.63,"end":313.03,"confidence":0.99961287,"punctuated_word":"focus","sentiment":"positive","sentiment_score":0.3837684094905853},{"word":"on","start":313.03,"end":313.19,"confidence":0.9965823,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5414650440216064},{"word":"super","start":313.19,"end":313.43002,"confidence":0.33141688,"punctuated_word":"Super","sentiment":"positive","sentiment_score":0.6285480260848999},{"word":"and","start":313.43002,"end":313.75,"confidence":0.95237345,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5219524502754211},{"word":"try","start":313.75,"end":313.91,"confidence":0.99884427,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.5736573934555054},{"word":"to","start":313.91,"end":314.07,"confidence":0.9988017,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5713298916816711},{"word":"build","start":314.07,"end":314.31,"confidence":0.9415651,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.5885918140411377},{"word":"that","start":314.31,"end":314.47,"confidence":0.98957294,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5507558584213257},{"word":"as","start":314.47,"end":314.63,"confidence":0.9996902,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5031940937042236},{"word":"much","start":314.63,"end":314.79,"confidence":0.9996408,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.48945391178131104},{"word":"as","start":314.79,"end":314.95,"confidence":0.9988305,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3887198567390442},{"word":"we","start":314.95,"end":315.11002,"confidence":0.9967918,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.42855438590049744},{"word":"possibly","start":315.11002,"end":315.59,"confidence":0.9979526,"punctuated_word":"possibly","sentiment":"positive","sentiment_score":0.3767600655555725},{"word":"can","start":315.59,"end":316.07,"confidence":0.99450374,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.2256186455488205},{"word":"okay","start":316.07,"end":316.57,"confidence":0.8456272,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06510686129331589},{"word":"with","start":321.35,"end":321.85,"confidence":0.9687288,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.02356785535812378},{"word":"income","start":322.23,"end":322.63,"confidence":0.9931276,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0746493935585022},{"word":"protection","start":322.63,"end":323.13,"confidence":0.95254636,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.04396805167198181},{"word":"you","start":324.585,"end":324.82498,"confidence":0.9980824,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1648537665605545},{"word":"can","start":324.82498,"end":325.065,"confidence":0.999226,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08574151992797852},{"word":"try","start":325.065,"end":325.38498,"confidence":0.94354355,"punctuated_word":"try,","sentiment":"neutral","sentiment_score":-0.13264663517475128},{"word":"but","start":325.38498,"end":325.625,"confidence":0.99985754,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14293676614761353},{"word":"it","start":325.625,"end":325.705,"confidence":0.9998504,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29928988218307495},{"word":"is","start":325.705,"end":325.865,"confidence":0.9998565,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3832301795482635},{"word":"gonna","start":325.865,"end":326.185,"confidence":0.99598545,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.41296324133872986},{"word":"be","start":326.185,"end":326.345,"confidence":0.9990785,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.34899938106536865},{"word":"very","start":326.345,"end":326.585,"confidence":0.9810111,"punctuated_word":"very,","sentiment":"negative","sentiment_score":-0.4335613250732422},{"word":"very","start":326.585,"end":326.905,"confidence":0.99998856,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.47756069898605347},{"word":"difficult","start":326.905,"end":327.38498,"confidence":0.99984396,"punctuated_word":"difficult","sentiment":"negative","sentiment_score":-0.4311431646347046},{"word":"because","start":327.38498,"end":327.705,"confidence":0.61204904,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.3211170732975006},{"word":"you","start":327.705,"end":327.865,"confidence":0.99974996,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4259738624095917},{"word":"do","start":327.865,"end":328.025,"confidence":0.9997298,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.36878103017807007},{"word":"have","start":328.025,"end":328.26498,"confidence":0.9988708,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3673541843891144},{"word":"to","start":328.26498,"end":328.425,"confidence":0.99918455,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3928773999214173},{"word":"disclose","start":328.425,"end":328.745,"confidence":0.99507684,"punctuated_word":"disclose","sentiment":"negative","sentiment_score":-0.4072149395942688},{"word":"you've","start":328.745,"end":328.985,"confidence":0.985878,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.3178746700286865},{"word":"had","start":328.985,"end":329.145,"confidence":0.998393,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.19826200604438785},{"word":"a","start":329.145,"end":329.22498,"confidence":0.9680008,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23269307613372803},{"word":"d","start":329.22498,"end":329.465,"confidence":0.57099295,"punctuated_word":"d","sentiment":"neutral","sentiment_score":-0.2758023738861084},{"word":"a","start":329.625,"end":329.785,"confidence":0.9897154,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27503037452697754},{"word":"tpd","start":329.785,"end":330.26498,"confidence":0.7268003,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.2086274027824402},{"word":"claim","start":330.26498,"end":330.505,"confidence":0.9963381,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.19270534813404083},{"word":"in","start":330.505,"end":330.66498,"confidence":0.99151224,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2506588399410248},{"word":"the","start":330.66498,"end":330.745,"confidence":0.99859756,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2791820764541626},{"word":"past","start":330.745,"end":331.065,"confidence":0.9372798,"punctuated_word":"past.","sentiment":"neutral","sentiment_score":-0.30400562286376953},{"word":"they're","start":331.065,"end":331.305,"confidence":0.99465656,"punctuated_word":"They're","sentiment":"negative","sentiment_score":-0.3363543748855591},{"word":"gonna","start":331.305,"end":331.54498,"confidence":0.9996171,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3624968230724334},{"word":"wanna","start":331.54498,"end":332.025,"confidence":0.9986796,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.3211769759654999},{"word":"understand","start":332.025,"end":332.505,"confidence":0.99976176,"punctuated_word":"understand","sentiment":"negative","sentiment_score":-0.42147326469421387},{"word":"why","start":332.505,"end":332.82498,"confidence":0.9998901,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.28984665870666504},{"word":"that","start":332.82498,"end":332.985,"confidence":0.99980325,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2971707582473755},{"word":"claim","start":332.985,"end":333.305,"confidence":0.9976349,"punctuated_word":"claim","sentiment":"negative","sentiment_score":-0.3499676287174225},{"word":"occurred","start":333.305,"end":333.805,"confidence":0.98869264,"punctuated_word":"occurred.","sentiment":"neutral","sentiment_score":-0.3259802460670471},{"word":"disability","start":334.26498,"end":334.76498,"confidence":0.6481727,"punctuated_word":"Disability","sentiment":"negative","sentiment_score":-0.4812243580818176},{"word":"and","start":334.905,"end":335.065,"confidence":0.99641836,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5731889009475708},{"word":"income","start":335.065,"end":335.465,"confidence":0.9991534,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.4895249009132385},{"word":"protection","start":335.465,"end":335.865,"confidence":0.99223435,"punctuated_word":"protection","sentiment":"negative","sentiment_score":-0.4893725514411926},{"word":"is","start":335.865,"end":336.025,"confidence":0.65341085,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6088467240333557},{"word":"gonna","start":336.025,"end":336.26498,"confidence":0.9978734,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.601146399974823},{"word":"be","start":336.26498,"end":336.425,"confidence":0.9992311,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4954122006893158},{"word":"very","start":336.425,"end":336.745,"confidence":0.99986565,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.5636268854141235},{"word":"difficult","start":336.745,"end":337.245,"confidence":0.93085104,"punctuated_word":"difficult.","sentiment":"negative","sentiment_score":-0.4696201682090759},{"word":"in","start":338.03,"end":338.43,"confidence":0.9409836,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.00737415999174118},{"word":"saying","start":338.43,"end":338.83,"confidence":0.9930368,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.0034824684262275696},{"word":"that","start":338.83,"end":338.99,"confidence":0.86631477,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02814080566167831},{"word":"what","start":338.99,"end":339.23,"confidence":0.9993357,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03422620892524719},{"word":"we","start":339.23,"end":339.39,"confidence":0.9997749,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.013199985027313232},{"word":"can","start":339.39,"end":339.55,"confidence":0.9998908,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06066851317882538},{"word":"also","start":339.55,"end":339.87,"confidence":0.9997079,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04765113443136215},{"word":"look","start":339.87,"end":340.11002,"confidence":0.9997594,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.007697492837905884},{"word":"at","start":340.11002,"end":340.27,"confidence":0.99802905,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04637220501899719},{"word":"and","start":340.27,"end":340.51,"confidence":0.9574388,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0976034700870514},{"word":"what","start":340.51,"end":340.67,"confidence":0.97926694,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09446035325527193},{"word":"one","start":340.67,"end":340.83,"confidence":0.53366446,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05503524839878082},{"word":"of","start":340.83,"end":340.99,"confidence":0.9989153,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07595954835414886},{"word":"the","start":340.99,"end":341.23,"confidence":0.99978215,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03415408730506897},{"word":"alternatives","start":341.23,"end":341.73,"confidence":0.99013793,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":-0.050083935260772705},{"word":"i've","start":341.87,"end":342.11002,"confidence":0.9173378,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0957719311118126},{"word":"sort","start":342.11002,"end":342.27,"confidence":0.98575276,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03450113534927368},{"word":"of","start":342.27,"end":342.35,"confidence":0.8362101,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.116916224360466},{"word":"considered","start":342.35,"end":342.83,"confidence":0.9794079,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.10693639516830444},{"word":"is","start":342.83,"end":343.31,"confidence":0.75395966,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.08691589534282684},{"word":"if","start":343.31,"end":343.47,"confidence":0.9322452,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1157527044415474},{"word":"you've","start":343.47,"end":343.63,"confidence":0.9756342,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05644887685775757},{"word":"got","start":343.63,"end":343.87,"confidence":0.9997626,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.016456082463264465},{"word":"some","start":343.87,"end":344.03,"confidence":0.99959713,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.009826749563217165},{"word":"extra","start":344.03,"end":344.35,"confidence":0.9996402,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.03242480754852295},{"word":"money","start":344.35,"end":344.59,"confidence":0.9999441,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.019331499934196472},{"word":"and","start":344.59,"end":344.75,"confidence":0.5716154,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07585637271404266},{"word":"you","start":344.75,"end":344.83,"confidence":0.9785743,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08898352086544037},{"word":"maybe","start":344.83,"end":345.07,"confidence":0.98254746,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.10369151830673218},{"word":"wanna","start":345.07,"end":345.39,"confidence":0.9900849,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15327340364456177},{"word":"look","start":345.39,"end":345.55,"confidence":0.9992219,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01963566243648529},{"word":"at","start":345.55,"end":345.63,"confidence":0.99409616,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02900990843772888},{"word":"building","start":345.63,"end":346.03,"confidence":0.9997441,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.08564364910125732},{"word":"investments","start":346.03,"end":346.51,"confidence":0.9832008,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03765405714511871},{"word":"outside","start":346.51,"end":346.91,"confidence":0.9955136,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.1572568714618683},{"word":"of","start":346.91,"end":347.07,"confidence":0.95741445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12090325355529784},{"word":"super","start":347.07,"end":347.39,"confidence":0.59418815,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":0.20120869576931},{"word":"we","start":347.39,"end":347.55,"confidence":0.9908054,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3022404611110687},{"word":"can","start":347.55,"end":347.79,"confidence":0.999718,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.27882838249206543},{"word":"always","start":347.79,"end":348.11,"confidence":0.9997559,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2676258981227875},{"word":"look","start":348.11,"end":348.27,"confidence":0.99956864,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15272119641304016},{"word":"at","start":348.27,"end":348.43,"confidence":0.9979327,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2097375988960266},{"word":"doing","start":348.43,"end":348.75,"confidence":0.9999013,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2457439601421356},{"word":"that","start":348.75,"end":348.99,"confidence":0.9997931,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16031527519226074},{"word":"to","start":348.99,"end":349.15,"confidence":0.9988902,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18156129121780396},{"word":"kind","start":349.15,"end":349.31,"confidence":0.99172896,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1596117615699768},{"word":"of","start":349.31,"end":349.575,"confidence":0.99947876,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2476939857006073},{"word":"help","start":349.89502,"end":350.05502,"confidence":0.99966466,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2395576685667038},{"word":"build","start":350.05502,"end":350.375,"confidence":0.9996871,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.3118557035923004},{"word":"a","start":350.375,"end":350.61502,"confidence":0.99154186,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.257546067237854},{"word":"safety","start":350.61502,"end":351.015,"confidence":0.99866986,"punctuated_word":"safety","sentiment":"neutral","sentiment_score":0.08006912469863892},{"word":"net","start":351.015,"end":351.49503,"confidence":0.77256155,"punctuated_word":"net.","sentiment":"neutral","sentiment_score":0.2087741494178772},{"word":"if","start":351.49503,"end":351.655,"confidence":0.5831254,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.12614667415618896},{"word":"you","start":351.655,"end":351.89502,"confidence":0.9998062,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1502501219511032},{"word":"wanted","start":351.89502,"end":352.39502,"confidence":0.9958263,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1363183557987213},{"word":"advice","start":352.61502,"end":352.935,"confidence":0.9711899,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.15398725867271423},{"word":"in","start":352.935,"end":353.17502,"confidence":0.99788326,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1227279081940651},{"word":"other","start":353.17502,"end":353.49503,"confidence":0.9998535,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10913164168596268},{"word":"areas","start":353.49503,"end":353.815,"confidence":0.7363525,"punctuated_word":"areas,","sentiment":"neutral","sentiment_score":0.15052136778831482},{"word":"because","start":353.815,"end":354.05502,"confidence":0.98709714,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11360901594161989},{"word":"i'm","start":354.05502,"end":354.135,"confidence":0.9997007,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2036074846982956},{"word":"a","start":354.135,"end":354.21503,"confidence":0.9992926,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17137254774570465},{"word":"full","start":354.21503,"end":354.535,"confidence":0.973631,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.20219597220420835},{"word":"licensed","start":354.535,"end":354.935,"confidence":0.88842374,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.16323918104171753},{"word":"adviser","start":354.935,"end":355.415,"confidence":0.8040601,"punctuated_word":"adviser,","sentiment":"neutral","sentiment_score":0.19058789312839508},{"word":"if","start":355.415,"end":355.49503,"confidence":0.9952063,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20292022824287417},{"word":"you","start":355.49503,"end":355.575,"confidence":0.9991424,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17732468247413635},{"word":"wanted","start":355.575,"end":355.89502,"confidence":0.96205115,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.17866244912147522},{"word":"maybe","start":355.89502,"end":356.21503,"confidence":0.8273296,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1805085837841034},{"word":"cash","start":356.21503,"end":356.45502,"confidence":0.9631017,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.1524927318096161},{"word":"flow","start":356.45502,"end":356.61502,"confidence":0.7233325,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.23129653930664065},{"word":"and","start":356.61502,"end":356.77502,"confidence":0.8232925,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20721599459648132},{"word":"budgeting","start":356.77502,"end":357.27502,"confidence":0.99159646,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":0.18496811389923096},{"word":"advice","start":357.33502,"end":357.575,"confidence":0.96028256,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.20461630821228027},{"word":"to","start":357.575,"end":357.73502,"confidence":0.9951556,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20388151705265045},{"word":"help","start":357.73502,"end":357.975,"confidence":0.9998853,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.24506419897079468},{"word":"build","start":357.975,"end":358.135,"confidence":0.99199474,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.31465592980384827},{"word":"a","start":358.135,"end":358.295,"confidence":0.978593,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23457446694374084},{"word":"savings","start":358.295,"end":358.77502,"confidence":0.9989041,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1974990963935852},{"word":"account","start":358.77502,"end":359.015,"confidence":0.9976992,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.24579934775829315},{"word":"to","start":359.015,"end":359.17502,"confidence":0.81888133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26803842186927795},{"word":"give","start":359.17502,"end":359.415,"confidence":0.9994419,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.21001695096492767},{"word":"you","start":359.415,"end":359.575,"confidence":0.962356,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2582464814186096},{"word":"like","start":359.575,"end":359.73502,"confidence":0.99794036,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2909167408943176},{"word":"a","start":359.73502,"end":359.89502,"confidence":0.9997435,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27047792077064514},{"word":"safety","start":359.89502,"end":360.295,"confidence":0.99911076,"punctuated_word":"safety","sentiment":"neutral","sentiment_score":0.10706288367509842},{"word":"net","start":360.295,"end":360.535,"confidence":0.99970514,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.22019535303115845},{"word":"in","start":360.535,"end":360.695,"confidence":0.9968176,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26461291313171387},{"word":"the","start":360.695,"end":360.855,"confidence":0.9994435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2050827443599701},{"word":"event","start":360.855,"end":361.17502,"confidence":0.99713933,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.16789181530475616},{"word":"that","start":361.17502,"end":361.33502,"confidence":0.9982193,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14207518100738523},{"word":"you're","start":361.33502,"end":361.575,"confidence":0.9984758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15257304906845093},{"word":"not","start":361.575,"end":361.73502,"confidence":0.99952817,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06692671775817871},{"word":"working","start":361.73502,"end":362.21503,"confidence":0.99989676,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.037501588463783264},{"word":"and","start":362.21503,"end":362.375,"confidence":0.98872924,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09042863547801971},{"word":"need","start":362.375,"end":362.82,"confidence":0.97354275,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13362044095993042},{"word":"a","start":362.98,"end":363.14,"confidence":0.99989176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1553478240966797},{"word":"bit","start":363.14,"end":363.22003,"confidence":0.99994946,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2240941822528839},{"word":"of","start":363.22003,"end":363.30002,"confidence":0.9032062,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.12680292129516602},{"word":"you","start":363.30002,"end":363.46002,"confidence":0.9995134,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11260809004306792},{"word":"know","start":363.46002,"end":363.96002,"confidence":0.97999,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1406872719526291},{"word":"an","start":364.1,"end":364.42,"confidence":0.6335335,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15908464789390564},{"word":"emergency","start":364.42,"end":364.92,"confidence":0.99926454,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.08186370134353638},{"word":"fund","start":364.98,"end":365.30002,"confidence":0.99130005,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.07840865850448608},{"word":"to","start":365.30002,"end":365.38,"confidence":0.9861091,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1420106291770935},{"word":"fall","start":365.38,"end":365.62,"confidence":0.99698275,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":0.192985862493515},{"word":"back","start":365.62,"end":365.86002,"confidence":0.9351257,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15735623240470886},{"word":"on","start":365.86002,"end":366.18,"confidence":0.99398017,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1947551667690277},{"word":"if","start":366.18,"end":366.34,"confidence":0.4465317,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20192626118659973},{"word":"you","start":366.34,"end":366.5,"confidence":0.99482524,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15170034766197205},{"word":"wanted","start":366.5,"end":366.82,"confidence":0.99664426,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11937488615512848},{"word":"to","start":366.82,"end":366.9,"confidence":0.9995617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0674804300069809},{"word":"look","start":366.9,"end":367.06,"confidence":0.9996376,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07437288761138916},{"word":"at","start":367.06,"end":367.38,"confidence":0.9940797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07990595698356628},{"word":"investing","start":367.38,"end":367.78,"confidence":0.9985447,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.08232471346855164},{"word":"outside","start":367.78,"end":368.18,"confidence":0.9973085,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.1730869710445404},{"word":"of","start":368.18,"end":368.34,"confidence":0.94319504,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12802889943122864},{"word":"super","start":368.34,"end":368.66,"confidence":0.42349994,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2494567334651947},{"word":"and","start":368.66,"end":368.82,"confidence":0.96696067,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23357897996902463},{"word":"building","start":368.82,"end":369.22,"confidence":0.9993394,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.3077038824558258},{"word":"wealth","start":369.22,"end":369.54,"confidence":0.98241085,"punctuated_word":"wealth","sentiment":"positive","sentiment_score":0.39750033617019653},{"word":"in","start":369.54,"end":369.7,"confidence":0.998086,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2527667284011841},{"word":"other","start":369.7,"end":369.94,"confidence":0.9989452,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.22832398116588593},{"word":"areas","start":369.94,"end":370.34,"confidence":0.99986124,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.27919667959213257},{"word":"there","start":370.34,"end":370.84,"confidence":0.94259185,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2141834944486618},{"word":"i","start":370.98,"end":371.22,"confidence":0.8871606,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3684402704238891},{"word":"can","start":371.22,"end":371.38,"confidence":0.99614346,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33422499895095825},{"word":"help","start":371.38,"end":371.62,"confidence":0.99943155,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.30863094329833984},{"word":"and","start":371.62,"end":371.86002,"confidence":0.8591463,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34646379947662354},{"word":"provide","start":371.86002,"end":372.18,"confidence":0.99705553,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.2993820011615753},{"word":"advice","start":372.18,"end":372.66,"confidence":0.9828112,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.32714858651161194},{"word":"on","start":372.66,"end":372.82,"confidence":0.9963238,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27411389350891113},{"word":"those","start":372.82,"end":373.32,"confidence":0.9590139,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.31302958726882935},{"word":"and","start":373.46002,"end":373.62,"confidence":0.8383564,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.231553316116333},{"word":"i","start":373.62,"end":373.7,"confidence":0.99969935,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22038088738918304},{"word":"mean","start":373.7,"end":373.94,"confidence":0.9996221,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.20008684694767},{"word":"when","start":373.94,"end":374.1,"confidence":0.9979482,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13986098766326904},{"word":"it","start":374.1,"end":374.26,"confidence":0.9983845,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17359881103038788},{"word":"comes","start":374.26,"end":374.76,"confidence":0.9694417,"punctuated_word":"comes,","sentiment":"neutral","sentiment_score":0.11350998282432556},{"word":"yeah","start":375.07498,"end":375.315,"confidence":0.988243,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.12085852026939392},{"word":"but","start":375.315,"end":375.555,"confidence":0.7406318,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09948686510324478},{"word":"when","start":375.555,"end":375.675,"confidence":0.99831104,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.026161298155784607},{"word":"it","start":375.675,"end":375.79498,"confidence":0.99914455,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05947663635015488},{"word":"comes","start":375.79498,"end":376.115,"confidence":0.9995258,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.009202547371387482},{"word":"to","start":376.115,"end":376.35498,"confidence":0.99844813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01691439002752304},{"word":"insurances","start":376.35498,"end":376.85498,"confidence":0.98970443,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.033444248139858246},{"word":"we","start":376.995,"end":377.315,"confidence":0.99934036,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10072635114192964},{"word":"kind","start":377.315,"end":377.475,"confidence":0.9912043,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07077617198228836},{"word":"of","start":377.475,"end":377.63498,"confidence":0.9988158,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.120388001203537},{"word":"look","start":377.63498,"end":377.875,"confidence":0.9986625,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.011959612369537354},{"word":"at","start":377.875,"end":377.955,"confidence":0.9985055,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01710289716720581},{"word":"that","start":377.955,"end":378.19498,"confidence":0.9989704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08132859319448471},{"word":"as","start":378.19498,"end":378.51498,"confidence":0.9983882,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0424371138215065},{"word":"sort","start":378.51498,"end":378.755,"confidence":0.94108385,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.016369476914405823},{"word":"of","start":378.755,"end":378.91498,"confidence":0.99278945,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07824951410293579},{"word":"the","start":378.91498,"end":378.995,"confidence":0.9529755,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031248509883880615},{"word":"be","start":378.995,"end":379.155,"confidence":0.61898404,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.019576504826545715},{"word":"on","start":379.155,"end":379.395,"confidence":0.67429376,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04447747021913528},{"word":"end","start":379.395,"end":379.555,"confidence":0.5475642,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.003735825419425965},{"word":"or","start":379.555,"end":379.715,"confidence":0.6758231,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09647118300199509},{"word":"as","start":379.715,"end":379.79498,"confidence":0.45001167,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04356604814529419},{"word":"the","start":379.79498,"end":379.955,"confidence":0.5152944,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0819368064403534},{"word":"protection","start":379.955,"end":380.435,"confidence":0.99749136,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.06802241504192352},{"word":"if","start":380.435,"end":380.595,"confidence":0.89059097,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06846733391284943},{"word":"something","start":380.595,"end":380.91498,"confidence":0.9997229,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.010307788848876951},{"word":"was","start":380.91498,"end":381.07498,"confidence":0.9909723,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.023741602897644043},{"word":"to","start":381.07498,"end":381.235,"confidence":0.9953289,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05870276689529419},{"word":"happen","start":381.235,"end":381.735,"confidence":0.9819554,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":0.022936057299375538},{"word":"but","start":382.115,"end":382.275,"confidence":0.78374606,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.029384315013885495},{"word":"at","start":382.275,"end":382.435,"confidence":0.98230654,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10016781091690063},{"word":"the","start":382.435,"end":382.51498,"confidence":0.9971334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06515876948833466},{"word":"end","start":382.51498,"end":382.675,"confidence":0.99976736,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.05955750122666359},{"word":"of","start":382.675,"end":382.835,"confidence":0.9969139,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06855471432209015},{"word":"the","start":382.835,"end":382.91498,"confidence":0.9576292,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05929137393832207},{"word":"day","start":382.91498,"end":383.235,"confidence":0.9984735,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":-0.07538469135761261},{"word":"insurances","start":383.235,"end":383.735,"confidence":0.90541875,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.13510486483573914},{"word":"only","start":383.79498,"end":384.19498,"confidence":0.9832212,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.11844341456890106},{"word":"provide","start":384.19498,"end":384.595,"confidence":0.6627088,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.1604427546262741},{"word":"a","start":384.595,"end":384.755,"confidence":0.76706666,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09752906858921052},{"word":"certain","start":384.755,"end":385.07498,"confidence":0.99857414,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.13331060111522677},{"word":"level","start":385.07498,"end":385.395,"confidence":0.9999443,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.17360733449459076},{"word":"of","start":385.395,"end":385.555,"confidence":0.9998667,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17972910404205322},{"word":"cover","start":385.555,"end":385.875,"confidence":0.9910172,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.09696611016988754},{"word":"that","start":385.875,"end":386.035,"confidence":0.79335696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12328106164932252},{"word":"can","start":386.035,"end":386.275,"confidence":0.9990495,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.15342657268047333},{"word":"still","start":386.275,"end":386.51498,"confidence":0.9969025,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.19921770691871643},{"word":"be","start":386.51498,"end":386.675,"confidence":0.9990854,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16451655328273773},{"word":"a","start":386.675,"end":386.835,"confidence":0.99872094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.158825621008873},{"word":"gap","start":386.835,"end":387.07498,"confidence":0.9988148,"punctuated_word":"gap","sentiment":"neutral","sentiment_score":-0.24516282975673676},{"word":"involved","start":387.07498,"end":387.555,"confidence":0.9683371,"punctuated_word":"involved.","sentiment":"neutral","sentiment_score":-0.14409953355789185},{"word":"so","start":387.555,"end":388.02,"confidence":0.9786124,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009157788008451462},{"word":"whilst","start":388.25998,"end":388.58,"confidence":0.9721581,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":-0.0312909334897995},{"word":"we're","start":388.58,"end":388.74,"confidence":0.99360335,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.023781873285770416},{"word":"not","start":388.74,"end":388.97998,"confidence":0.99687153,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06733185797929764},{"word":"able","start":388.97998,"end":389.22,"confidence":0.99925095,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.05394956469535827},{"word":"to","start":389.22,"end":389.37997,"confidence":0.99934167,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0866825133562088},{"word":"get","start":389.37997,"end":389.62,"confidence":0.9997904,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.11072178930044174},{"word":"cover","start":389.62,"end":389.94,"confidence":0.9771085,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.033129967749118805},{"word":"we","start":389.94,"end":390.09998,"confidence":0.99981326,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.056421928107738495},{"word":"can","start":390.09998,"end":390.25998,"confidence":0.9998379,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07482928037643433},{"word":"look","start":390.25998,"end":390.5,"confidence":0.99968374,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03604115545749664},{"word":"at","start":390.5,"end":390.66,"confidence":0.990159,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05872266739606857},{"word":"building","start":390.66,"end":390.97998,"confidence":0.9965301,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.07367129623889923},{"word":"wealth","start":390.97998,"end":391.22,"confidence":0.97351843,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.15672169625759125},{"word":"and","start":391.22,"end":391.37997,"confidence":0.9609944,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1023622378706932},{"word":"closing","start":391.37997,"end":391.78,"confidence":0.983324,"punctuated_word":"closing","sentiment":"neutral","sentiment_score":0.10976048558950424},{"word":"the","start":391.78,"end":391.86,"confidence":0.98800534,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0999746099114418},{"word":"gap","start":391.86,"end":392.09998,"confidence":0.9991117,"punctuated_word":"gap","sentiment":"neutral","sentiment_score":0.049258604645729065},{"word":"in","start":392.09998,"end":392.25998,"confidence":0.9903054,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19715385138988495},{"word":"other","start":392.25998,"end":392.5,"confidence":0.9968401,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1842561662197113},{"word":"ways","start":392.5,"end":392.81998,"confidence":0.99861825,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.2348775863647461},{"word":"for","start":392.81998,"end":392.97998,"confidence":0.9984308,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22039678692817688},{"word":"you","start":392.97998,"end":393.13998,"confidence":0.9030167,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1384517103433609},{"word":"whether","start":393.13998,"end":393.46,"confidence":0.9996586,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.11764980852603912},{"word":"it","start":393.46,"end":393.53998,"confidence":0.99703693,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13589002192020416},{"word":"be","start":393.53998,"end":393.69998,"confidence":0.73321456,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13634085655212402},{"word":"building","start":393.69998,"end":394.18,"confidence":0.99884725,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.11783260852098464},{"word":"savings","start":394.18,"end":394.58,"confidence":0.9915916,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.08799172937870026},{"word":"in","start":394.58,"end":395.08,"confidence":0.94721895,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09867382049560548},{"word":"in","start":395.37997,"end":395.46,"confidence":0.5284369,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08926914632320404},{"word":"a","start":395.46,"end":395.53998,"confidence":0.9286059,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0826956033706665},{"word":"bank","start":395.53998,"end":395.86,"confidence":0.999345,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.09365354478359222},{"word":"account","start":395.86,"end":396.18,"confidence":0.9986186,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.09096134454011916},{"word":"somewhere","start":396.18,"end":396.58,"confidence":0.9982344,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.10224667936563492},{"word":"or","start":396.58,"end":396.74,"confidence":0.82877296,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11106441915035248},{"word":"whether","start":396.74,"end":397.06,"confidence":0.9991792,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.09815922379493712},{"word":"we're","start":397.06,"end":397.22,"confidence":0.997632,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1036972850561142},{"word":"looking","start":397.22,"end":397.53998,"confidence":0.9963812,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10688910633325575},{"word":"at","start":397.53998,"end":397.78,"confidence":0.9930441,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10991422832012177},{"word":"investing","start":397.78,"end":398.25998,"confidence":0.99935776,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.07972696423530579},{"word":"down","start":398.25998,"end":398.41998,"confidence":0.99457526,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11713426560163498},{"word":"the","start":398.41998,"end":398.58,"confidence":0.97225225,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1326964795589447},{"word":"track","start":398.58,"end":398.9,"confidence":0.9889922,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.09889650344848631},{"word":"as","start":398.9,"end":399.06,"confidence":0.98879445,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15434662997722626},{"word":"well","start":399.06,"end":399.37997,"confidence":0.9937115,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12481138110160828},{"word":"so","start":399.37997,"end":399.87997,"confidence":0.9671003,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09036575257778168},{"word":"if","start":399.94,"end":400.09998,"confidence":0.93354267,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0945749580860138},{"word":"it's","start":400.09998,"end":400.18,"confidence":0.83213544,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1482943594455719},{"word":"something","start":400.18,"end":400.455,"confidence":0.658793,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1423678696155548},{"word":"you","start":400.53497,"end":400.775,"confidence":0.9911513,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12636937201023102},{"word":"wanted","start":400.775,"end":400.935,"confidence":0.99428636,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11950768530368804},{"word":"to","start":400.935,"end":401.095,"confidence":0.99917847,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1140042170882225},{"word":"look","start":401.095,"end":401.335,"confidence":0.9995683,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09666579216718674},{"word":"at","start":401.335,"end":401.495,"confidence":0.9974258,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.1380702704191208},{"word":"you","start":401.495,"end":401.735,"confidence":0.99969935,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11622585356235504},{"word":"let","start":401.735,"end":401.895,"confidence":0.99923253,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11289478838443756},{"word":"me","start":401.895,"end":402.055,"confidence":0.99954516,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13859207928180697},{"word":"know","start":402.055,"end":402.29498,"confidence":0.99968207,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.15898209810256958},{"word":"when","start":402.29498,"end":402.455,"confidence":0.9996673,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12639537453651428},{"word":"you're","start":402.455,"end":402.69498,"confidence":0.99974424,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1240958422422409},{"word":"ready","start":402.69498,"end":403.01498,"confidence":0.9186113,"punctuated_word":"ready,","sentiment":"neutral","sentiment_score":0.15050435066223145},{"word":"and","start":403.01498,"end":403.095,"confidence":0.9998299,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13851609826087952},{"word":"we","start":403.095,"end":403.25497,"confidence":0.9999081,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14184725284576416},{"word":"can","start":403.25497,"end":403.495,"confidence":0.9998865,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14998918771743774},{"word":"definitely","start":403.495,"end":403.895,"confidence":0.998408,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1837639957666397},{"word":"talk","start":403.895,"end":404.13498,"confidence":0.9990061,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1449950933456421},{"word":"about","start":404.13498,"end":404.455,"confidence":0.99963844,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1354154646396637},{"word":"those","start":404.455,"end":404.69498,"confidence":0.9983481,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.15288659930229187},{"word":"sorts","start":404.69498,"end":404.85498,"confidence":0.99079895,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.02464093640446663},{"word":"of","start":404.85498,"end":405.01498,"confidence":0.99935204,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2013190984725952},{"word":"options","start":405.01498,"end":405.495,"confidence":0.992228,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2124535441398621},{"word":"for","start":405.495,"end":405.735,"confidence":0.9977399,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29525113105773926},{"word":"you","start":405.735,"end":406.215,"confidence":0.9995908,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2828671932220459},{"word":"okay","start":406.215,"end":406.715,"confidence":0.9777726,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.27887576818466187},{"word":"perfect","start":407.655,"end":408.155,"confidence":0.99419665,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.598425030708313},{"word":"i'll","start":409.01498,"end":409.335,"confidence":0.82677686,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.25207990407943726},{"word":"jump","start":409.335,"end":409.655,"confidence":0.99451655,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.30887484550476074},{"word":"sort","start":409.655,"end":409.81497,"confidence":0.8491148,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.33709025382995605},{"word":"of","start":409.81497,"end":409.97498,"confidence":0.98918146,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27017197012901306},{"word":"into","start":409.97498,"end":410.215,"confidence":0.97979957,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18546494841575625},{"word":"the","start":410.215,"end":410.375,"confidence":0.9962529,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20192046463489532},{"word":"recommendations","start":410.375,"end":410.875,"confidence":0.9062636,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.14886680245399475},{"word":"now","start":411.09497,"end":411.25497,"confidence":0.97725576,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09308640658855438},{"word":"as","start":411.25497,"end":411.495,"confidence":0.9870544,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0882929265499115},{"word":"you","start":411.495,"end":411.57498,"confidence":0.9990344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10761918872594832},{"word":"are","start":411.57498,"end":411.81497,"confidence":0.9938692,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11560018360614777},{"word":"going","start":411.81497,"end":412.055,"confidence":0.9998056,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12871748208999634},{"word":"through","start":412.055,"end":412.29498,"confidence":0.99288404,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12587636709213257},{"word":"this","start":412.29498,"end":412.455,"confidence":0.9967313,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10660198330879211},{"word":"document","start":412.455,"end":412.85498,"confidence":0.99964964,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.11027690768241882},{"word":"when","start":412.85498,"end":413.09497,"confidence":0.7147818,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09244214743375778},{"word":"you","start":413.09497,"end":413.25497,"confidence":0.9996747,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11132356524467468},{"word":"are","start":413.25497,"end":413.495,"confidence":0.99818254,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11478931456804276},{"word":"seeing","start":413.495,"end":413.735,"confidence":0.9879985,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.09706979990005492},{"word":"it","start":413.735,"end":413.81497,"confidence":0.9726915,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10371743142604828},{"word":"there","start":413.81497,"end":414.13498,"confidence":0.9753045,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0995638594031334},{"word":"have","start":414.13498,"end":414.29498,"confidence":0.9910335,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07913065701723099},{"word":"a","start":414.29498,"end":414.375,"confidence":0.9943452,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13803604245185852},{"word":"double","start":414.375,"end":414.69498,"confidence":0.9997179,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.07706017047166824},{"word":"check","start":414.69498,"end":414.935,"confidence":0.9980556,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.11756359040737152},{"word":"of","start":414.935,"end":415.01498,"confidence":0.66972715,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09245302528142928},{"word":"your","start":415.01498,"end":415.25497,"confidence":0.96776485,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09443815052509308},{"word":"assets","start":415.25497,"end":415.57498,"confidence":0.995278,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.0662817731499672},{"word":"and","start":415.57498,"end":415.735,"confidence":0.99773455,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0973839908838272},{"word":"liabilities","start":415.735,"end":416.235,"confidence":0.90367264,"punctuated_word":"liabilities.","sentiment":"neutral","sentiment_score":0.07580526173114777},{"word":"we","start":416.4,"end":416.56,"confidence":0.9993735,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08521687239408493},{"word":"have","start":416.56,"end":416.8,"confidence":0.9990313,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08848418295383453},{"word":"things","start":416.8,"end":416.88,"confidence":0.96961,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07168158143758774},{"word":"noted","start":416.88,"end":417.36,"confidence":0.7110542,"punctuated_word":"noted,","sentiment":"neutral","sentiment_score":0.07452180981636047},{"word":"like","start":417.36,"end":417.52,"confidence":0.99963033,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06539170444011688},{"word":"your","start":417.52,"end":417.68,"confidence":0.82616544,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10262506455183028},{"word":"boat","start":417.68,"end":417.91998,"confidence":0.93743086,"punctuated_word":"boat,","sentiment":"neutral","sentiment_score":0.08181851357221603},{"word":"your","start":417.91998,"end":418.08,"confidence":0.9977464,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10523486137390135},{"word":"caravandy","start":418.08,"end":418.58,"confidence":0.5871809,"punctuated_word":"caravandy","sentiment":"neutral","sentiment_score":0.08466130495071411},{"word":"contents","start":418.8,"end":419.3,"confidence":0.7628834,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.09961316734552383},{"word":"and","start":419.36,"end":419.44,"confidence":0.9876294,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10479047149419785},{"word":"your","start":419.44,"end":419.6,"confidence":0.9006345,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12498809397220612},{"word":"nissan","start":419.6,"end":420.0,"confidence":0.9944788,"punctuated_word":"Nissan","sentiment":"neutral","sentiment_score":0.08276022970676422},{"word":"navara","start":420.0,"end":420.47998,"confidence":0.9881059,"punctuated_word":"Navara","sentiment":"neutral","sentiment_score":0.0784580409526825},{"word":"there","start":420.47998,"end":420.96,"confidence":0.99308527,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05664122849702835},{"word":"with","start":420.96,"end":421.19998,"confidence":0.9264247,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07062210142612457},{"word":"the","start":421.19998,"end":421.36,"confidence":0.9991093,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0639704167842865},{"word":"current","start":421.36,"end":421.68,"confidence":0.9688807,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.03920963406562805},{"word":"values","start":421.68,"end":422.16,"confidence":0.9913155,"punctuated_word":"values","sentiment":"neutral","sentiment_score":0.050752125680446625},{"word":"we","start":422.16,"end":422.32,"confidence":0.98304474,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06718603521585464},{"word":"had","start":422.32,"end":422.56,"confidence":0.99190384,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05629444867372513},{"word":"noted","start":422.56,"end":423.04,"confidence":0.99935687,"punctuated_word":"noted.","sentiment":"neutral","sentiment_score":0.0396372526884079},{"word":"if","start":423.04,"end":423.19998,"confidence":0.9998074,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.041979581117630005},{"word":"you","start":423.19998,"end":423.36,"confidence":0.99923885,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02896004542708397},{"word":"find","start":423.36,"end":423.6,"confidence":0.9991061,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.001832917332649231},{"word":"there","start":423.6,"end":423.84,"confidence":0.9853754,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.004930112510919571},{"word":"are","start":423.84,"end":424.0,"confidence":0.9980781,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.009019915014505386},{"word":"changes","start":424.0,"end":424.5,"confidence":0.99931,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":-0.018717367202043533},{"word":"please","start":424.56,"end":424.8,"confidence":0.9998666,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.0008452832698822021},{"word":"do","start":424.8,"end":424.96,"confidence":0.998696,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.003969371318817139},{"word":"let","start":424.96,"end":425.19998,"confidence":0.9993506,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.01457737758755684},{"word":"me","start":425.19998,"end":425.36,"confidence":0.9999268,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.042737845331430435},{"word":"know","start":425.36,"end":425.6,"confidence":0.9939914,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.017649613320827484},{"word":"i","start":425.6,"end":425.68,"confidence":0.9999591,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09037487208843233},{"word":"can","start":425.68,"end":425.91998,"confidence":0.9999486,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08259734511375427},{"word":"update","start":425.91998,"end":426.32,"confidence":0.9997032,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.059424031525850296},{"word":"everything","start":426.32,"end":426.63998,"confidence":0.999879,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.0825800746679306},{"word":"in","start":426.63998,"end":426.8,"confidence":0.95181465,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09540778398513794},{"word":"the","start":426.8,"end":426.96,"confidence":0.9998178,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08490357547998428},{"word":"back","start":426.96,"end":427.12,"confidence":0.942395,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07459911704063416},{"word":"end","start":427.12,"end":427.62,"confidence":0.9991118,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.08025208115577698},{"word":"the","start":427.68,"end":427.84,"confidence":0.99652535,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1301872432231903},{"word":"good","start":427.84,"end":428.0,"confidence":0.99996984,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2798939049243927},{"word":"news","start":428.0,"end":428.32,"confidence":0.99969923,"punctuated_word":"news","sentiment":"positive","sentiment_score":0.3363775610923767},{"word":"is","start":428.32,"end":428.82,"confidence":0.99922585,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23292888700962067},{"word":"no","start":428.88,"end":429.03998,"confidence":0.93985677,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.16441839933395386},{"word":"changes","start":429.03998,"end":429.44,"confidence":0.9761387,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.14186260104179382},{"word":"to","start":429.44,"end":429.6,"confidence":0.7623608,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06707911938428879},{"word":"those","start":429.6,"end":429.91998,"confidence":0.992605,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.02396439015865326},{"word":"affect","start":429.91998,"end":430.24,"confidence":0.9510073,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.13331815600395203},{"word":"the","start":430.24,"end":430.4,"confidence":0.9888426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032154396176338196},{"word":"advice","start":430.4,"end":430.72,"confidence":0.90527,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03435952961444855},{"word":"in","start":430.72,"end":430.88,"confidence":0.9979096,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003194645047187805},{"word":"any","start":430.88,"end":431.12,"confidence":0.9863002,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.18202102184295657},{"word":"way","start":431.12,"end":431.28,"confidence":0.9996966,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0820508599281311},{"word":"at","start":431.28,"end":431.44,"confidence":0.99885666,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1628378927707672},{"word":"the","start":431.44,"end":431.52,"confidence":0.9997365,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25831130146980286},{"word":"moment","start":431.52,"end":432.015,"confidence":0.99976623,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.19804242253303528},{"word":"okay","start":432.17502,"end":432.67502,"confidence":0.7579218,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21375548839569092},{"word":"yeah","start":433.295,"end":433.795,"confidence":0.99116826,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29892125725746155},{"word":"all","start":434.17502,"end":434.415,"confidence":0.8673513,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5196830034255981},{"word":"good","start":434.415,"end":434.915,"confidence":0.9998714,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3764991760253906},{"word":"now","start":435.535,"end":435.77502,"confidence":0.5459852,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12275876104831696},{"word":"with","start":435.77502,"end":436.015,"confidence":0.993152,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08769933879375458},{"word":"regard","start":436.015,"end":436.415,"confidence":0.805922,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.06994278728961945},{"word":"to","start":436.415,"end":436.575,"confidence":0.9973719,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10244939476251602},{"word":"the","start":436.575,"end":436.73502,"confidence":0.9986305,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12218908965587616},{"word":"recommendations","start":436.73502,"end":437.23502,"confidence":0.5620367,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.12411319464445114},{"word":"there","start":437.535,"end":437.855,"confidence":0.7733789,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06396116316318512},{"word":"essentially","start":437.855,"end":438.355,"confidence":0.9951958,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.08767014741897583},{"word":"i","start":438.415,"end":438.575,"confidence":0.99991775,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15654253959655762},{"word":"am","start":438.575,"end":438.815,"confidence":0.9997973,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.15836170315742493},{"word":"starting","start":438.815,"end":439.135,"confidence":0.9864015,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.18912114202976227},{"word":"by","start":439.135,"end":439.45502,"confidence":0.9993242,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11648862808942796},{"word":"recommending","start":439.45502,"end":439.95502,"confidence":0.9999002,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.18328899145126343},{"word":"that","start":440.015,"end":440.255,"confidence":0.9995697,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15449947118759155},{"word":"you","start":440.255,"end":440.415,"confidence":0.9998838,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18962790071964264},{"word":"do","start":440.415,"end":440.575,"confidence":0.99962056,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23631609976291656},{"word":"retain","start":440.575,"end":440.89502,"confidence":0.99643904,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.19044926762580872},{"word":"your","start":440.89502,"end":441.135,"confidence":0.9991211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24529416859149933},{"word":"hub","start":441.135,"end":441.375,"confidence":0.74080956,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.1872667372226715},{"word":"twenty","start":441.375,"end":441.695,"confidence":0.9905032,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2331630289554596},{"word":"four","start":441.695,"end":441.93503,"confidence":0.9970463,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.23976798355579376},{"word":"super","start":441.93503,"end":442.255,"confidence":0.8445099,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2676261067390442},{"word":"account","start":442.255,"end":442.755,"confidence":0.9897808,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.29527273774147034},{"word":"hub","start":443.05502,"end":443.375,"confidence":0.8361195,"punctuated_word":"Hub","sentiment":"positive","sentiment_score":0.5252910256385803},{"word":"24","start":443.375,"end":443.855,"confidence":0.999802,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.6017127633094788},{"word":"has","start":443.855,"end":444.015,"confidence":0.99959534,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.7033771872520447},{"word":"been","start":444.015,"end":444.255,"confidence":0.99960417,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6742599010467529},{"word":"a","start":444.255,"end":444.33502,"confidence":0.99864787,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7047144770622253},{"word":"great","start":444.33502,"end":444.575,"confidence":0.9996599,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7258164882659912},{"word":"platform","start":444.575,"end":444.975,"confidence":0.9926053,"punctuated_word":"platform.","sentiment":"positive","sentiment_score":0.6452687978744507},{"word":"it","start":444.975,"end":445.135,"confidence":0.9983322,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.7029250264167786},{"word":"is","start":445.135,"end":445.32,"confidence":0.99390113,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6829732656478882},{"word":"working","start":445.32,"end":445.64,"confidence":0.999918,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.7389941215515137},{"word":"really","start":445.64,"end":445.80002,"confidence":0.99963176,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7275141477584839},{"word":"well","start":445.80002,"end":446.04,"confidence":0.9997278,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.7522017955780029},{"word":"there","start":446.04,"end":446.28,"confidence":0.9975943,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.708945095539093},{"word":"for","start":446.28,"end":446.44,"confidence":0.99981385,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6532747745513916},{"word":"you","start":446.44,"end":446.6,"confidence":0.96443015,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5713880658149719},{"word":"and","start":446.6,"end":446.76,"confidence":0.99991715,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40579482913017273},{"word":"there","start":446.76,"end":447.0,"confidence":0.9999341,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4209721386432648},{"word":"are","start":447.0,"end":447.16,"confidence":0.9992937,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3394780457019806},{"word":"no","start":447.16,"end":447.32,"confidence":0.99949205,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.31744664907455444},{"word":"major","start":447.32,"end":447.72,"confidence":0.9993105,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.09792494773864746},{"word":"changes","start":447.72,"end":448.12,"confidence":0.9995427,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.08699821680784225},{"word":"to","start":448.12,"end":448.28,"confidence":0.9979214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19173100590705872},{"word":"the","start":448.28,"end":448.44,"confidence":0.99947923,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38060441613197327},{"word":"platform","start":448.44,"end":448.84,"confidence":0.9998192,"punctuated_word":"platform","sentiment":"positive","sentiment_score":0.34039193391799927},{"word":"that","start":448.84,"end":449.16,"confidence":0.999905,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2447669953107834},{"word":"require","start":449.16,"end":449.48,"confidence":0.99723345,"punctuated_word":"require","sentiment":"neutral","sentiment_score":0.2673189640045166},{"word":"us","start":449.48,"end":449.72,"confidence":0.99991655,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.3331451117992401},{"word":"to","start":449.72,"end":449.80002,"confidence":0.99879223,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.38968586921691895},{"word":"move","start":449.80002,"end":450.04,"confidence":0.9999658,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.2914349436759949},{"word":"on","start":450.04,"end":450.28,"confidence":0.9993748,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3595269024372101},{"word":"out","start":450.28,"end":450.78,"confidence":0.9994482,"punctuated_word":"out.","sentiment":"positive","sentiment_score":0.3847031593322754},{"word":"i","start":451.48,"end":451.80002,"confidence":0.998868,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005604058504104614},{"word":"am","start":451.80002,"end":452.04,"confidence":0.99932706,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.01158887892961502},{"word":"obviously","start":452.2,"end":452.6,"confidence":0.98797894,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.014361489564180374},{"word":"because","start":452.6,"end":452.84,"confidence":0.9998035,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.022076979279518127},{"word":"we","start":452.84,"end":453.08002,"confidence":0.9939307,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04540595039725304},{"word":"don't","start":453.08002,"end":453.24002,"confidence":0.99872684,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05738426372408867},{"word":"have","start":453.24002,"end":453.4,"confidence":0.9987011,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0754246860742569},{"word":"any","start":453.4,"end":453.64,"confidence":0.8744174,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06595435738563538},{"word":"insurances","start":453.64,"end":454.12,"confidence":0.8720916,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.125624418258667},{"word":"we're","start":454.12,"end":454.36002,"confidence":0.7365618,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.1520841270685196},{"word":"not","start":454.36002,"end":454.52002,"confidence":0.9990067,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09473986178636552},{"word":"able","start":454.52002,"end":454.84,"confidence":0.99945813,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.07087436318397522},{"word":"to","start":454.84,"end":454.92,"confidence":0.998094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05738747864961624},{"word":"get","start":454.92,"end":455.16,"confidence":0.9999347,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.10808081924915314},{"word":"any","start":455.16,"end":455.4,"confidence":0.98921084,"punctuated_word":"any.","sentiment":"neutral","sentiment_score":-0.08387573063373566},{"word":"i","start":455.4,"end":455.56,"confidence":0.9989988,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06252500414848328},{"word":"am","start":455.56,"end":455.72,"confidence":0.99945885,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.10865630954504012},{"word":"also","start":455.72,"end":456.12,"confidence":0.993316,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0763874426484108},{"word":"recommending","start":456.12,"end":456.6,"confidence":0.99924916,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.12395475059747696},{"word":"that","start":456.6,"end":456.84,"confidence":0.9997223,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1131381094455719},{"word":"you","start":456.84,"end":457.0,"confidence":0.99976283,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10696960985660552},{"word":"do","start":457.0,"end":457.24002,"confidence":0.9989003,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19618375599384308},{"word":"commence","start":457.24002,"end":457.74002,"confidence":0.9968881,"punctuated_word":"commence","sentiment":"neutral","sentiment_score":0.165098637342453},{"word":"a","start":458.265,"end":458.42502,"confidence":0.9989235,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1895870566368103},{"word":"salary","start":458.42502,"end":458.905,"confidence":0.9979316,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.04890226572751999},{"word":"sacrifice","start":458.905,"end":459.405,"confidence":0.9937069,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.026482388377189636},{"word":"arrangement","start":459.465,"end":459.965,"confidence":0.9996051,"punctuated_word":"arrangement","sentiment":"neutral","sentiment_score":0.1128438487648964},{"word":"and","start":460.025,"end":460.265,"confidence":0.9720038,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11415731906890868},{"word":"start","start":460.265,"end":460.505,"confidence":0.9948144,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.15469330549240112},{"word":"to","start":460.505,"end":460.745,"confidence":0.9985246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17752531170845032},{"word":"contribute","start":460.745,"end":461.225,"confidence":0.9993717,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.09483005106449129},{"word":"the","start":461.225,"end":461.385,"confidence":0.9590497,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12294978648424149},{"word":"extra","start":461.385,"end":461.70502,"confidence":0.99850637,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.10476018488407136},{"word":"$50","start":461.70502,"end":462.265,"confidence":0.9992702,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.13171501457691193},{"word":"on","start":462.265,"end":462.42502,"confidence":0.957112,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15003150701522827},{"word":"a","start":462.42502,"end":462.585,"confidence":0.9774162,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14354372024536133},{"word":"fortnightly","start":462.585,"end":463.065,"confidence":0.9988885,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.12379201501607896},{"word":"basis","start":463.065,"end":463.465,"confidence":0.99849474,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.1383064240217209},{"word":"in","start":463.465,"end":463.70502,"confidence":0.61658823,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12383194267749786},{"word":"the","start":463.70502,"end":463.865,"confidence":0.87758833,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12164078652858734},{"word":"super","start":463.865,"end":464.185,"confidence":0.71261644,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09547621756792068},{"word":"there","start":464.185,"end":464.685,"confidence":0.94846636,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08038195967674255},{"word":"sorry","start":464.98502,"end":465.305,"confidence":0.8561788,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03981102257966995},{"word":"$50","start":465.305,"end":465.865,"confidence":0.99877113,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":-0.029641173779964447},{"word":"per","start":465.865,"end":466.025,"confidence":0.99961853,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.050519656389951706},{"word":"week","start":466.025,"end":466.265,"confidence":0.98054934,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.06197677552700043},{"word":"i","start":466.265,"end":466.425,"confidence":0.99994266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14086607098579407},{"word":"do","start":466.425,"end":466.585,"confidence":0.9999057,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1067657619714737},{"word":"apologize","start":466.585,"end":467.085,"confidence":0.99962115,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.08615563064813614},{"word":"essentially","start":468.825,"end":469.325,"confidence":0.9888154,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.09495320916175842},{"word":"by","start":469.545,"end":469.865,"confidence":0.9965939,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.15151898562908173},{"word":"increasing","start":469.865,"end":470.265,"confidence":0.9973425,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.2416673898696899},{"word":"your","start":470.265,"end":470.505,"confidence":0.995522,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2546083927154541},{"word":"contributions","start":470.505,"end":471.005,"confidence":0.78183293,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.2039756178855896},{"word":"and","start":471.145,"end":471.385,"confidence":0.988715,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2364691197872162},{"word":"we","start":471.385,"end":471.545,"confidence":0.9989079,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2864628732204437},{"word":"are","start":471.545,"end":471.70502,"confidence":0.9979814,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2638205587863922},{"word":"starting","start":471.70502,"end":472.025,"confidence":0.98302746,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.32528913021087646},{"word":"to","start":472.025,"end":472.185,"confidence":0.9960593,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3252459764480591},{"word":"start","start":472.185,"end":472.345,"confidence":0.7843688,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2686719298362732},{"word":"to","start":472.345,"end":472.56,"confidence":0.48814103,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30577123165130615},{"word":"close","start":472.63998,"end":472.8,"confidence":0.9960265,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.21580064296722412},{"word":"that","start":472.8,"end":472.96,"confidence":0.97228676,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1738666296005249},{"word":"gap","start":472.96,"end":473.12,"confidence":0.9995129,"punctuated_word":"gap","sentiment":"neutral","sentiment_score":0.04736500233411789},{"word":"a","start":473.12,"end":473.28,"confidence":0.99964345,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22756311297416687},{"word":"little","start":473.28,"end":473.52,"confidence":0.9998597,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1984223425388336},{"word":"bit","start":473.52,"end":473.68,"confidence":0.9997558,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23637238144874573},{"word":"and","start":473.68,"end":473.84,"confidence":0.9973736,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22548183798789975},{"word":"build","start":473.84,"end":474.16,"confidence":0.9997788,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.3498591184616089},{"word":"on","start":474.16,"end":474.4,"confidence":0.99945134,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4196374714374542},{"word":"super","start":474.4,"end":474.9,"confidence":0.93693435,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.4024977087974548},{"word":"you","start":475.04,"end":475.28,"confidence":0.99946564,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5764762163162231},{"word":"have","start":475.28,"end":475.44,"confidence":0.9999058,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6017259359359741},{"word":"a","start":475.44,"end":475.6,"confidence":0.9997429,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4929101467132568},{"word":"really","start":475.6,"end":475.84,"confidence":0.99987626,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5295300483703613},{"word":"good","start":475.84,"end":476.0,"confidence":0.99946755,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.49665096402168274},{"word":"balance","start":476.0,"end":476.4,"confidence":0.9994124,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.5895662307739258},{"word":"at","start":476.4,"end":476.48,"confidence":0.99191236,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5166276097297668},{"word":"the","start":476.48,"end":476.63998,"confidence":0.999456,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5397695302963257},{"word":"moment","start":476.63998,"end":476.96,"confidence":0.93919116,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.5102155804634094},{"word":"so","start":476.96,"end":477.12,"confidence":0.9993149,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21605342626571655},{"word":"when","start":477.12,"end":477.36,"confidence":0.9992285,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.23213715851306915},{"word":"the","start":477.36,"end":477.44,"confidence":0.9570706,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20948198437690735},{"word":"advice","start":477.44,"end":477.84,"confidence":0.9580304,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2569570541381836},{"word":"was","start":477.84,"end":478.34,"confidence":0.9384113,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.14409348368644714},{"word":"done","start":478.48,"end":478.72,"confidence":0.6631406,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.1862618625164032},{"word":"up","start":478.72,"end":478.88,"confidence":0.8194321,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.21655552089214325},{"word":"a","start":478.88,"end":479.04,"confidence":0.91299933,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14731775224208832},{"word":"few","start":479.04,"end":479.2,"confidence":0.99520713,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1545708179473877},{"word":"weeks","start":479.2,"end":479.52,"confidence":0.99957806,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.16465020179748535},{"word":"ago","start":479.52,"end":479.84,"confidence":0.9976939,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":0.1906665861606598},{"word":"the","start":479.84,"end":480.0,"confidence":0.6840516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17031943798065186},{"word":"balance","start":480.0,"end":480.32,"confidence":0.990239,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1905001401901245},{"word":"in","start":480.32,"end":480.48,"confidence":0.9985341,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1723688244819641},{"word":"your","start":480.48,"end":480.72,"confidence":0.9997805,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13114741444587708},{"word":"current","start":480.72,"end":481.04,"confidence":0.99603313,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.13527673482894895},{"word":"super","start":481.04,"end":481.36,"confidence":0.9888398,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22565609216690063},{"word":"was","start":481.36,"end":481.6,"confidence":0.9980995,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13745607435703278},{"word":"about","start":481.6,"end":481.91998,"confidence":0.9973986,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1882711201906204},{"word":"304,000","start":481.91998,"end":483.38,"confidence":0.9996232,"punctuated_word":"304,000","sentiment":"neutral","sentiment_score":0.21201734244823456},{"word":"and","start":483.6,"end":483.84,"confidence":0.9990823,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10787749290466309},{"word":"73","start":483.84,"end":484.74,"confidence":0.9934566,"punctuated_word":"73.","sentiment":"neutral","sentiment_score":-0.006723807193338871},{"word":"by","start":485.245,"end":485.48502,"confidence":0.9889059,"punctuated_word":"By","sentiment":"neutral","sentiment_score":0.15947188436985016},{"word":"increasing","start":485.48502,"end":485.98502,"confidence":0.9992106,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.2287859618663788},{"word":"contributions","start":486.205,"end":486.705,"confidence":0.999463,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2284538447856903},{"word":"in","start":486.765,"end":487.005,"confidence":0.9626872,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20405706763267517},{"word":"by","start":487.005,"end":487.165,"confidence":0.48463768,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1788269728422165},{"word":"that","start":487.165,"end":487.405,"confidence":0.9582014,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23335431516170504},{"word":"$50","start":487.405,"end":487.885,"confidence":0.9973974,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.2371407151222229},{"word":"on","start":487.885,"end":487.965,"confidence":0.9317792,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.26706162095069885},{"word":"a","start":487.965,"end":488.125,"confidence":0.9976279,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23702490329742432},{"word":"weekly","start":488.125,"end":488.445,"confidence":0.9998729,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.19769074022769928},{"word":"basis","start":488.445,"end":488.845,"confidence":0.9976175,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.2112930417060852},{"word":"you're","start":488.845,"end":489.005,"confidence":0.9972087,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19659921526908877},{"word":"adding","start":489.005,"end":489.48502,"confidence":0.99986124,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.2206225544214249},{"word":"after","start":489.48502,"end":489.805,"confidence":0.7480939,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2059936225414276},{"word":"tax","start":489.805,"end":490.125,"confidence":0.9783423,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.26076194643974304},{"word":"next","start":490.125,"end":490.365,"confidence":0.31851116,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.22248563170433044},{"word":"to","start":490.365,"end":490.525,"confidence":0.98424834,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25490039587020874},{"word":"2,210","start":490.525,"end":492.125,"confidence":0.99911565,"punctuated_word":"2,210","sentiment":"neutral","sentiment_score":0.21771498024463656},{"word":"into","start":492.125,"end":492.445,"confidence":0.8653347,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.25121065974235535},{"word":"super","start":492.445,"end":492.845,"confidence":0.99775535,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3147098124027252},{"word":"on","start":492.845,"end":493.005,"confidence":0.9955831,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2749791741371155},{"word":"top","start":493.005,"end":493.245,"confidence":0.99988043,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.21186938881874084},{"word":"of","start":493.245,"end":493.325,"confidence":0.9938759,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2824888229370117},{"word":"your","start":493.325,"end":493.565,"confidence":0.99865425,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23248501121997833},{"word":"employer","start":493.565,"end":494.045,"confidence":0.9732111,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.2251274436712265},{"word":"pay","start":494.045,"end":494.285,"confidence":0.6657139,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1928713619709015},{"word":"contributions","start":494.285,"end":494.785,"confidence":0.7733602,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.18430930376052856},{"word":"so","start":495.165,"end":495.665,"confidence":0.99910957,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23035801947116852},{"word":"that","start":495.725,"end":495.965,"confidence":0.99725765,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3653407692909241},{"word":"can","start":495.965,"end":496.205,"confidence":0.9966472,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.49275845289230347},{"word":"provide","start":496.205,"end":496.605,"confidence":0.99976224,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.5678967237472534},{"word":"a","start":496.605,"end":496.685,"confidence":0.9998196,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5659352540969849},{"word":"bit","start":496.685,"end":496.845,"confidence":0.9999473,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5378215909004211},{"word":"more","start":496.845,"end":497.005,"confidence":0.9997322,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5156674981117249},{"word":"of","start":497.005,"end":497.165,"confidence":0.9993131,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5603470206260681},{"word":"a","start":497.165,"end":497.245,"confidence":0.9990201,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5814977884292603},{"word":"benefit","start":497.245,"end":497.725,"confidence":0.9993393,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5866830945014954},{"word":"for","start":497.725,"end":497.885,"confidence":0.9996965,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6157919764518738},{"word":"you","start":497.885,"end":498.045,"confidence":0.99978656,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6307634711265564},{"word":"down","start":498.045,"end":498.285,"confidence":0.99964714,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.6491960883140564},{"word":"the","start":498.285,"end":498.445,"confidence":0.9981346,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5710455179214478},{"word":"track","start":498.445,"end":498.765,"confidence":0.91902006,"punctuated_word":"track.","sentiment":"positive","sentiment_score":0.52541184425354},{"word":"and","start":498.765,"end":498.925,"confidence":0.99935323,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2599310576915741},{"word":"instead","start":498.925,"end":499.245,"confidence":0.99940646,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.1500638872385025},{"word":"of","start":499.245,"end":499.405,"confidence":0.9985765,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1593998670578003},{"word":"having","start":499.405,"end":499.725,"confidence":0.99948716,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.137761190533638},{"word":"the","start":499.725,"end":500.16,"confidence":0.7361567,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.08620248734951019},{"word":"yeah","start":500.32,"end":500.56,"confidence":0.99928564,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09723493456840517},{"word":"instead","start":500.56,"end":500.96,"confidence":0.99923706,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.05057720094919205},{"word":"of","start":500.96,"end":501.12,"confidence":0.9991435,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.041104719042778015},{"word":"having","start":501.12,"end":501.36002,"confidence":0.99973124,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.04470417648553848},{"word":"the","start":501.36002,"end":501.52,"confidence":0.9989942,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08780112862586975},{"word":"money","start":501.52,"end":501.84,"confidence":0.99990356,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.09201905876398088},{"word":"invested","start":501.84,"end":502.34,"confidence":0.999938,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.05376013368368149},{"word":"essentially","start":503.12,"end":503.62,"confidence":0.6026132,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.09185135364532472},{"word":"in","start":503.68,"end":504.18,"confidence":0.99878055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09207580983638763},{"word":"sorry","start":504.80002,"end":505.04,"confidence":0.66617364,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.07365275919437408},{"word":"instead","start":505.04,"end":505.28,"confidence":0.9986871,"punctuated_word":"Instead","sentiment":"neutral","sentiment_score":0.06330318003892899},{"word":"of","start":505.28,"end":505.52,"confidence":0.9931552,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056315552443265915},{"word":"paying","start":505.52,"end":505.84,"confidence":0.8789928,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.05023535341024399},{"word":"income","start":505.84,"end":506.24,"confidence":0.99877805,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.013066589832305908},{"word":"tax","start":506.24,"end":506.48,"confidence":0.9842965,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06858623772859573},{"word":"at","start":506.48,"end":506.64,"confidence":0.98765546,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.081891268491745},{"word":"the","start":506.64,"end":506.80002,"confidence":0.9940101,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12174035608768465},{"word":"marginal","start":506.80002,"end":507.2,"confidence":0.99730647,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.0533209815621376},{"word":"tax","start":507.2,"end":507.6,"confidence":0.9989225,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12410973012447356},{"word":"rate","start":507.6,"end":507.92,"confidence":0.9595041,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.13930091261863708},{"word":"when","start":507.92,"end":508.08002,"confidence":0.9583045,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1493404507637024},{"word":"you","start":508.08002,"end":508.24,"confidence":0.9998361,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14369551837444303},{"word":"put","start":508.24,"end":508.4,"confidence":0.9999236,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1118221879005432},{"word":"the","start":508.4,"end":508.48,"confidence":0.9977164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13841690123081207},{"word":"money","start":508.48,"end":508.72,"confidence":0.9999565,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.12604229152202606},{"word":"into","start":508.72,"end":509.04,"confidence":0.6033093,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13738277554512024},{"word":"super","start":509.04,"end":509.36002,"confidence":0.91974986,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.1807112991809845},{"word":"it's","start":509.36002,"end":509.6,"confidence":0.99247026,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15438048541545868},{"word":"taxed","start":509.6,"end":510.0,"confidence":0.9847979,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.1882992833852768},{"word":"at","start":510.0,"end":510.24,"confidence":0.9994448,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15054456889629364},{"word":"a","start":510.24,"end":510.74,"confidence":0.9994905,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16044041514396667},{"word":"concessional","start":511.12,"end":511.62,"confidence":0.7388385,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.1502283811569214},{"word":"rate","start":511.84,"end":512.0,"confidence":0.9963413,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.19768178462982175},{"word":"of","start":512.0,"end":512.16003,"confidence":0.9832886,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1333422064781189},{"word":"15%","start":512.16003,"end":513.12,"confidence":0.9952328,"punctuated_word":"15%.","sentiment":"neutral","sentiment_score":0.1599048376083374},{"word":"so","start":513.12,"end":513.525,"confidence":0.99966717,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.124668151140213},{"word":"it","start":513.525,"end":513.685,"confidence":0.9993899,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20375098288059235},{"word":"is","start":513.685,"end":513.92505,"confidence":0.99876606,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16241499781608582},{"word":"tax","start":513.92505,"end":514.245,"confidence":0.68892175,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1832079291343689},{"word":"less","start":514.245,"end":514.48505,"confidence":0.80012065,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.13695819675922394},{"word":"than","start":514.48505,"end":514.72504,"confidence":0.85527664,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.14240705966949463},{"word":"five","start":514.72504,"end":515.04504,"confidence":0.46637568,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.12162864953279497},{"word":"people","start":515.04504,"end":515.36505,"confidence":0.54199636,"punctuated_word":"people,","sentiment":"neutral","sentiment_score":0.1469345986843109},{"word":"so","start":515.36505,"end":515.445,"confidence":0.9886087,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13724011182785034},{"word":"you","start":515.445,"end":515.685,"confidence":0.9989503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1850089728832245},{"word":"have","start":515.685,"end":515.92505,"confidence":0.9982443,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1985981911420822},{"word":"more","start":515.92505,"end":516.245,"confidence":0.9995902,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16109821200370789},{"word":"invested","start":516.245,"end":516.745,"confidence":0.9751168,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1407906860113144},{"word":"there","start":516.80505,"end":517.04504,"confidence":0.90501416,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2258160412311554},{"word":"for","start":517.04504,"end":517.205,"confidence":0.9958261,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13414880633354187},{"word":"you","start":517.205,"end":517.525,"confidence":0.9968137,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16275188326835632},{"word":"working","start":517.525,"end":517.92505,"confidence":0.9420888,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.20516768097877505},{"word":"harder","start":517.92505,"end":518.42505,"confidence":0.99875486,"punctuated_word":"harder.","sentiment":"neutral","sentiment_score":0.06583293527364731},{"word":"okay","start":518.645,"end":519.145,"confidence":0.9278393,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08744989335536957},{"word":"perfect","start":519.36505,"end":519.86505,"confidence":0.9966354,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6231961250305176},{"word":"one","start":520.405,"end":520.645,"confidence":0.6929355,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.18791818618774417},{"word":"of","start":520.645,"end":520.72504,"confidence":0.99972373,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1306847631931305},{"word":"the","start":520.72504,"end":520.885,"confidence":0.999683,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17916786670684814},{"word":"things","start":520.885,"end":521.125,"confidence":0.99994123,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2106335163116455},{"word":"you","start":521.125,"end":521.28503,"confidence":0.96667117,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10844326764345168},{"word":"wanted","start":521.28503,"end":521.525,"confidence":0.9998945,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.12483642250299454},{"word":"to","start":521.525,"end":521.60504,"confidence":0.9998416,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0718870460987091},{"word":"look","start":521.60504,"end":521.765,"confidence":0.99990785,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07549448311328888},{"word":"at","start":521.765,"end":522.005,"confidence":0.9941544,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15338359773159027},{"word":"when","start":522.005,"end":522.16504,"confidence":0.99800414,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.099640354514122},{"word":"we","start":522.16504,"end":522.325,"confidence":0.9993273,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08257117122411728},{"word":"spoke","start":522.325,"end":522.645,"confidence":0.99961746,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.12893854081630707},{"word":"last","start":522.645,"end":522.80505,"confidence":0.9997603,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0760909840464592},{"word":"time","start":522.80505,"end":523.04504,"confidence":0.9990728,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0954989492893219},{"word":"was","start":523.04504,"end":523.205,"confidence":0.98272645,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0877397432923317},{"word":"maybe","start":523.205,"end":523.525,"confidence":0.9782428,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08977995812892914},{"word":"moving","start":523.525,"end":523.765,"confidence":0.9984309,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1003512591123581},{"word":"into","start":523.765,"end":524.005,"confidence":0.99706227,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1880185604095459},{"word":"more","start":524.005,"end":524.16504,"confidence":0.99906844,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16511352360248566},{"word":"of","start":524.16504,"end":524.245,"confidence":0.9997359,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18852940201759336},{"word":"a","start":524.245,"end":524.405,"confidence":0.9992028,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16604354977607727},{"word":"high","start":524.405,"end":524.565,"confidence":0.9925983,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.1605624258518219},{"word":"growth","start":524.565,"end":524.965,"confidence":0.9913224,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.21953248977661133},{"word":"portfolio","start":524.965,"end":525.465,"confidence":0.9651464,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1051611304283142},{"word":"you","start":525.525,"end":525.685,"confidence":0.99964464,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06790078431367874},{"word":"wanted","start":525.685,"end":525.92505,"confidence":0.99778396,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09000636637210846},{"word":"to","start":525.92505,"end":526.085,"confidence":0.9997104,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13787704706192017},{"word":"be","start":526.085,"end":526.16504,"confidence":0.9997055,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16364076733589172},{"word":"able","start":526.16504,"end":526.405,"confidence":0.9999392,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.19526609778404236},{"word":"to","start":526.405,"end":526.48505,"confidence":0.9943778,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20584513247013092},{"word":"take","start":526.48505,"end":526.72504,"confidence":0.9997893,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.23373320698738095},{"word":"a","start":526.72504,"end":526.80505,"confidence":0.9998319,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18815167248249057},{"word":"little","start":526.80505,"end":526.965,"confidence":0.99994016,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1012514904141426},{"word":"bit","start":526.965,"end":527.125,"confidence":0.9991304,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09154105186462402},{"word":"more","start":527.125,"end":527.28503,"confidence":0.99975616,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12079363316297533},{"word":"risk","start":527.28503,"end":527.525,"confidence":0.99873525,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1844720095396042},{"word":"in","start":527.525,"end":527.685,"confidence":0.9987581,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11473898589611052},{"word":"the","start":527.685,"end":527.765,"confidence":0.999699,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12478695064783096},{"word":"market","start":527.765,"end":528.085,"confidence":0.99966013,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.19158491492271423},{"word":"to","start":528.085,"end":528.245,"confidence":0.99293715,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1746135056018829},{"word":"see","start":528.245,"end":528.325,"confidence":0.99995744,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1772724688053131},{"word":"if","start":528.325,"end":528.48505,"confidence":0.99981683,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19386644661426544},{"word":"you","start":528.48505,"end":528.565,"confidence":0.986679,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27339500188827515},{"word":"can","start":528.565,"end":528.72504,"confidence":0.999605,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22551926970481873},{"word":"get","start":528.72504,"end":528.885,"confidence":0.9995478,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24552972614765167},{"word":"some","start":528.885,"end":529.125,"confidence":0.9981267,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.26660504937171936},{"word":"greater","start":529.125,"end":529.5,"confidence":0.9959139,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.20996789634227753},{"word":"potential","start":529.58,"end":529.98,"confidence":0.99942905,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.32054489850997925},{"word":"returns","start":529.98,"end":530.22,"confidence":0.9270023,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.2582802176475525},{"word":"there","start":530.22,"end":530.72,"confidence":0.7917094,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.12190736830234528},{"word":"we","start":531.34,"end":531.58,"confidence":0.6302013,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07015841454267502},{"word":"are","start":531.58,"end":531.82,"confidence":0.9998666,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08240246027708054},{"word":"recommending","start":531.82,"end":532.3,"confidence":0.9998024,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.17393584549427032},{"word":"that","start":532.3,"end":532.38,"confidence":0.9998565,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10361180454492568},{"word":"we","start":532.38,"end":532.54,"confidence":0.9997726,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13061240315437317},{"word":"do","start":532.54,"end":532.7,"confidence":0.9993895,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.188340425491333},{"word":"move","start":532.7,"end":532.94,"confidence":0.99743325,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.19037556648254397},{"word":"you","start":532.94,"end":533.1,"confidence":0.9946037,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2353280633687973},{"word":"into","start":533.1,"end":533.34,"confidence":0.87751234,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18864203989505768},{"word":"that","start":533.34,"end":533.58,"confidence":0.98279506,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15355920791625977},{"word":"higher","start":533.58,"end":533.82,"confidence":0.9634186,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.1808183342218399},{"word":"growth","start":533.82,"end":534.22,"confidence":0.97925365,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19134604930877688},{"word":"environment","start":534.22,"end":534.62,"confidence":0.9990736,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.19526882469654083},{"word":"for","start":534.62,"end":534.86,"confidence":0.9970937,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1283639371395111},{"word":"the","start":534.86,"end":535.02,"confidence":0.9996667,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1486622840166092},{"word":"time","start":535.02,"end":535.18,"confidence":0.999736,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1895269751548767},{"word":"being","start":535.18,"end":535.5,"confidence":0.99954283,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.13694821298122406},{"word":"we","start":535.5,"end":535.66,"confidence":0.9999145,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09812480211257936},{"word":"can","start":535.66,"end":535.82,"confidence":0.99993575,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15039747953414917},{"word":"always","start":535.82,"end":536.14,"confidence":0.9999329,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.16797009110450745},{"word":"pull","start":536.14,"end":536.38,"confidence":0.99719137,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.11633139103651048},{"word":"back","start":536.38,"end":536.62,"confidence":0.99587303,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09091310203075408},{"word":"and","start":536.62,"end":536.86,"confidence":0.9938251,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08442193269729614},{"word":"make","start":536.86,"end":537.02,"confidence":0.99990916,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12770159542560575},{"word":"changes","start":537.02,"end":537.42,"confidence":0.9998858,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.11749008297920228},{"word":"and","start":537.42,"end":537.66,"confidence":0.9858642,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0980781763792038},{"word":"reduce","start":537.66,"end":538.06,"confidence":0.9994437,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.07798245549201965},{"word":"that","start":538.06,"end":538.22,"confidence":0.9988979,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07587745040655136},{"word":"down","start":538.22,"end":538.38,"confidence":0.999632,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11026120185852052},{"word":"the","start":538.38,"end":538.46,"confidence":0.99370414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10040509700775146},{"word":"track","start":538.46,"end":538.78,"confidence":0.99776065,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.0831412822008133},{"word":"if","start":538.78,"end":538.86,"confidence":0.9903914,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10734378546476364},{"word":"you","start":538.86,"end":539.02,"confidence":0.9998627,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060226354748010635},{"word":"would","start":539.02,"end":539.18,"confidence":0.99986255,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0759434849023819},{"word":"like","start":539.18,"end":539.42,"confidence":0.99955255,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0578606054186821},{"word":"to","start":539.42,"end":539.58,"confidence":0.9900032,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03993174806237221},{"word":"or","start":539.58,"end":539.74,"confidence":0.9572295,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.009833037853240969},{"word":"if","start":539.74,"end":539.9,"confidence":0.9983101,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.037127748131752014},{"word":"you","start":539.9,"end":540.06,"confidence":0.9988883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022778069600462914},{"word":"feel","start":540.06,"end":540.3,"confidence":0.97537255,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.2048877626657486},{"word":"not","start":540.3,"end":540.54,"confidence":0.9627523,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.28221043944358826},{"word":"comfortable","start":540.54,"end":541.02,"confidence":0.9998448,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.32404854893684387},{"word":"with","start":541.02,"end":541.18,"confidence":0.9998903,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3140791058540344},{"word":"it","start":541.18,"end":541.545,"confidence":0.91311836,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.2500051259994507},{"word":"but","start":542.02496,"end":542.26495,"confidence":0.96595144,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10333375632762908},{"word":"taking","start":542.26495,"end":542.505,"confidence":0.9987526,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.06978127360343933},{"word":"on","start":542.505,"end":542.625,"confidence":0.91890675,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08377908170223236},{"word":"a","start":542.625,"end":542.745,"confidence":0.9990939,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02254113182425499},{"word":"little","start":542.745,"end":542.90497,"confidence":0.9999039,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.005594417452812195},{"word":"bit","start":542.90497,"end":543.065,"confidence":0.99882036,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.019441276788711548},{"word":"more","start":543.065,"end":543.225,"confidence":0.9995166,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01071929931640625},{"word":"risk","start":543.225,"end":543.46497,"confidence":0.97719574,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.01801253855228424},{"word":"now","start":543.46497,"end":543.70496,"confidence":0.99619967,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.024571776390075684},{"word":"can","start":543.70496,"end":543.945,"confidence":0.9963336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08272808790206909},{"word":"provide","start":543.945,"end":544.26495,"confidence":0.99987376,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.16353139281272888},{"word":"those","start":544.26495,"end":544.505,"confidence":0.957726,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1259002983570099},{"word":"greater","start":544.505,"end":544.745,"confidence":0.9971084,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.0735907033085823},{"word":"potential","start":544.745,"end":545.245,"confidence":0.9994924,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.23008668422698977},{"word":"returns","start":545.305,"end":545.70496,"confidence":0.7802985,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.04270105808973312},{"word":"and","start":545.70496,"end":545.865,"confidence":0.99771667,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.013691656291484833},{"word":"because","start":545.865,"end":546.185,"confidence":0.99888617,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01509810984134674},{"word":"you're","start":546.185,"end":546.345,"confidence":0.99971604,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06958624720573425},{"word":"not","start":546.345,"end":546.505,"confidence":0.9998568,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.003124333918094635},{"word":"wanting","start":546.505,"end":546.825,"confidence":0.9959495,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.030074283480644223},{"word":"to","start":546.825,"end":546.985,"confidence":0.99780446,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04345695674419403},{"word":"access","start":546.985,"end":547.305,"confidence":0.99967027,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.03913547843694687},{"word":"super","start":547.305,"end":547.805,"confidence":0.51018435,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03498946130275726},{"word":"until","start":548.02496,"end":548.52496,"confidence":0.9646556,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.0339149534702301},{"word":"essentially","start":548.58496,"end":548.985,"confidence":0.57044405,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.025349188596010208},{"word":"the","start":548.985,"end":549.14496,"confidence":0.9894744,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015402592718601229},{"word":"age","start":549.14496,"end":549.385,"confidence":0.99462944,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.002925366163253784},{"word":"of","start":549.385,"end":549.545,"confidence":0.98039377,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011103399097919464},{"word":"65","start":549.545,"end":550.105,"confidence":0.9985365,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.03265514224767685},{"word":"there","start":550.105,"end":550.345,"confidence":0.91191405,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.027170797809958454},{"word":"you've","start":550.345,"end":550.58496,"confidence":0.99958557,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.02658344618976116},{"word":"got","start":550.58496,"end":550.745,"confidence":0.99953055,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.008468210697174072},{"word":"a","start":550.745,"end":550.825,"confidence":0.9996402,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0018004588782787323},{"word":"bit","start":550.825,"end":550.985,"confidence":0.9998801,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01258184015750885},{"word":"more","start":550.985,"end":551.14496,"confidence":0.99987197,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.033164940774440765},{"word":"time","start":551.14496,"end":551.305,"confidence":0.9930086,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.007140081375837326},{"word":"you've","start":551.305,"end":551.545,"confidence":0.9997506,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.0148381432518363},{"word":"got","start":551.545,"end":551.785,"confidence":0.99925584,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.012242868542671204},{"word":"over","start":551.785,"end":552.02496,"confidence":0.99977547,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.047212254256010056},{"word":"ten","start":552.02496,"end":552.26495,"confidence":0.9971706,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.022203847765922543},{"word":"years","start":552.26495,"end":552.58496,"confidence":0.99776065,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.0041457489132881165},{"word":"time","start":552.58496,"end":552.825,"confidence":0.8216872,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03002051077783108},{"word":"horizon","start":552.825,"end":553.325,"confidence":0.9929148,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.008375074714422226},{"word":"to","start":554.04,"end":554.2,"confidence":0.9995715,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018481895327568058},{"word":"take","start":554.2,"end":554.44,"confidence":0.9997787,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.016969971358776093},{"word":"on","start":554.44,"end":554.6,"confidence":0.97542405,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03821193426847458},{"word":"and","start":554.6,"end":554.76,"confidence":0.68229836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021321572363376617},{"word":"see","start":554.76,"end":554.84,"confidence":0.9962339,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.016483649611473083},{"word":"if","start":554.84,"end":554.88,"confidence":0.9957814,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.011844374239444733},{"word":"you","start":554.88,"end":554.92,"confidence":0.898735,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015507020056247711},{"word":"can","start":554.92,"end":555.08,"confidence":0.99651587,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05573622137308121},{"word":"get","start":555.08,"end":555.24,"confidence":0.99774605,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04152210056781769},{"word":"your","start":555.24,"end":555.32,"confidence":0.91494966,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03746776282787323},{"word":"sleep","start":555.32,"end":555.56,"confidence":0.40916,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":0.012762799859046936},{"word":"and","start":555.56,"end":555.72,"confidence":0.17964527,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.059988804161548615},{"word":"work","start":555.72,"end":555.88,"confidence":0.50452554,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.049921803176403046},{"word":"a","start":555.88,"end":556.04,"confidence":0.62240654,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011579029262065887},{"word":"little","start":556.04,"end":556.2,"confidence":0.6166662,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.058742500841617584},{"word":"bit","start":556.2,"end":556.36,"confidence":0.9351885,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07594229280948639},{"word":"harder","start":556.36,"end":556.68,"confidence":0.9989108,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.0028125569224357605},{"word":"for","start":556.68,"end":556.84,"confidence":0.99957556,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007535889744758606},{"word":"you","start":556.84,"end":557.08,"confidence":0.8310385,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.013871856033802032},{"word":"so","start":557.08,"end":557.24,"confidence":0.9845322,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12900447845458984},{"word":"it's","start":557.24,"end":557.48,"confidence":0.91706735,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24426314234733584},{"word":"absolutely","start":557.48,"end":557.98,"confidence":0.9994974,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.45166015625},{"word":"fine","start":558.12,"end":558.62,"confidence":0.99951196,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3886736035346985},{"word":"okay","start":558.68,"end":559.18,"confidence":0.9694389,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.29867005348205566},{"word":"i","start":560.68,"end":560.92,"confidence":0.9008186,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07284389436244965},{"word":"had","start":560.92,"end":561.08,"confidence":0.99911207,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.15474726259708405},{"word":"a","start":561.08,"end":561.24,"confidence":0.99980015,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22958159446716309},{"word":"really","start":561.24,"end":561.4,"confidence":0.9999379,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.17056113481521606},{"word":"good","start":561.4,"end":561.56,"confidence":0.9995844,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.04223749041557312},{"word":"look","start":561.56,"end":561.8,"confidence":0.99975437,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03545564413070679},{"word":"at","start":561.8,"end":561.88,"confidence":0.99885714,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.000264585018157959},{"word":"the","start":561.88,"end":562.04,"confidence":0.99987173,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032177165150642395},{"word":"investments","start":562.04,"end":562.52,"confidence":0.83536506,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.00555037334561348},{"word":"and","start":562.52,"end":562.68,"confidence":0.99784863,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02122754603624344},{"word":"one","start":562.68,"end":562.84,"confidence":0.9998035,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.16367320716381073},{"word":"of","start":562.84,"end":562.92,"confidence":0.99982786,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17641550302505493},{"word":"the","start":562.92,"end":563.0,"confidence":0.9996013,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2088894098997116},{"word":"reasons","start":563.0,"end":563.4,"confidence":0.99791735,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":-0.20816315710544583},{"word":"it","start":563.4,"end":563.48,"confidence":0.5070368,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2866375148296356},{"word":"did","start":563.48,"end":563.64,"confidence":0.986083,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.23588678240776065},{"word":"take","start":563.64,"end":563.88,"confidence":0.9996201,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.20401903986930847},{"word":"a","start":563.88,"end":563.96,"confidence":0.9995696,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3301706910133362},{"word":"little","start":563.96,"end":564.12,"confidence":0.99990344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.29384884238243103},{"word":"bit","start":564.12,"end":564.27997,"confidence":0.99933904,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2865161895751953},{"word":"longer","start":564.27997,"end":564.6,"confidence":0.99962735,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.20959512889385223},{"word":"to","start":564.6,"end":564.68,"confidence":0.99940944,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3053748905658722},{"word":"provide","start":564.68,"end":565.0,"confidence":0.99987423,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.20361125469207764},{"word":"the","start":565.0,"end":565.24,"confidence":0.9987924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08934196829795837},{"word":"advice","start":565.24,"end":565.56,"confidence":0.9957216,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.15901422500610352},{"word":"was","start":565.56,"end":565.96,"confidence":0.9986952,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.21163640916347504},{"word":"we've","start":565.96,"end":566.2,"confidence":0.6508552,"punctuated_word":"we've","sentiment":"negative","sentiment_score":-0.38272613286972046},{"word":"have","start":566.2,"end":566.36,"confidence":0.7650004,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.34862858057022095},{"word":"sort","start":566.36,"end":566.52,"confidence":0.9515471,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.4055936932563782},{"word":"of","start":566.52,"end":566.68,"confidence":0.9098907,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.37494832277297974},{"word":"noticed","start":566.68,"end":567.0,"confidence":0.94939464,"punctuated_word":"noticed","sentiment":"negative","sentiment_score":-0.34824898838996887},{"word":"that","start":567.0,"end":567.16,"confidence":0.98597103,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3923755288124085},{"word":"one","start":567.16,"end":567.32,"confidence":0.9995516,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.4972253739833832},{"word":"of","start":567.32,"end":567.48,"confidence":0.998302,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.46718865633010864},{"word":"the","start":567.48,"end":567.56,"confidence":0.9986534,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.48318585753440857},{"word":"investments","start":567.56,"end":568.04,"confidence":0.9841702,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.47439906001091},{"word":"within","start":568.04,"end":568.36,"confidence":0.99901795,"punctuated_word":"within","sentiment":"negative","sentiment_score":-0.4854757785797119},{"word":"your","start":568.36,"end":568.695,"confidence":0.98968047,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.44428351521492},{"word":"portfolio","start":568.855,"end":569.335,"confidence":0.9972705,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.3562277555465698},{"word":"has","start":569.335,"end":569.575,"confidence":0.99697363,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.5491988062858582},{"word":"actually","start":569.575,"end":569.895,"confidence":0.9956351,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.4965569376945496},{"word":"been","start":569.895,"end":570.135,"confidence":0.9985902,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5229302644729614},{"word":"underperforming","start":570.135,"end":570.635,"confidence":0.8706654,"punctuated_word":"underperforming.","sentiment":"negative","sentiment_score":-0.4393443465232849},{"word":"so","start":570.935,"end":571.09503,"confidence":0.9979309,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.3105597198009491},{"word":"we've","start":571.09503,"end":571.255,"confidence":0.9984472,"punctuated_word":"we've","sentiment":"negative","sentiment_score":-0.3784204423427582},{"word":"actually","start":571.255,"end":571.575,"confidence":0.9988167,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.3063240349292755},{"word":"taken","start":571.575,"end":571.895,"confidence":0.9978575,"punctuated_word":"taken","sentiment":"negative","sentiment_score":-0.3849458694458008},{"word":"steps","start":571.895,"end":572.215,"confidence":0.99951696,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":-0.3214835822582245},{"word":"as","start":572.215,"end":572.375,"confidence":0.99248546,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2500970661640167},{"word":"part","start":572.375,"end":572.53503,"confidence":0.9994294,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.20614144206047055},{"word":"of","start":572.53503,"end":572.695,"confidence":0.9995307,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17406539618968964},{"word":"this","start":572.695,"end":572.855,"confidence":0.98629457,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.17155389487743378},{"word":"advice","start":572.855,"end":573.255,"confidence":0.98356104,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.22971554100513455},{"word":"document","start":573.255,"end":573.735,"confidence":0.9648313,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.19283704459667209},{"word":"to","start":573.735,"end":573.97504,"confidence":0.9993629,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2607232332229614},{"word":"remove","start":573.97504,"end":574.375,"confidence":0.99830604,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.28595268726348877},{"word":"that","start":574.375,"end":574.875,"confidence":0.9968852,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2878338098526001},{"word":"the","start":575.815,"end":576.055,"confidence":0.92340785,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.3969748616218567},{"word":"benelon","start":576.055,"end":576.53503,"confidence":0.62747407,"punctuated_word":"Benelon","sentiment":"negative","sentiment_score":-0.41678693890571594},{"word":"australian","start":576.53503,"end":577.015,"confidence":0.8398826,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.21525859832763672},{"word":"equities","start":577.015,"end":577.415,"confidence":0.9458239,"punctuated_word":"Equities,","sentiment":"neutral","sentiment_score":-0.2626896798610687},{"word":"which","start":577.415,"end":577.655,"confidence":0.999841,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.31214022636413574},{"word":"was","start":577.655,"end":577.895,"confidence":0.9859831,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2521655261516571},{"word":"initially","start":577.895,"end":578.375,"confidence":0.98920083,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":-0.18179066479206085},{"word":"put","start":578.375,"end":578.615,"confidence":0.9971553,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.26772186160087585},{"word":"in","start":578.615,"end":578.775,"confidence":0.9990274,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.268784761428833},{"word":"your","start":578.775,"end":579.015,"confidence":0.9998136,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21228063106536865},{"word":"portfolio","start":579.015,"end":579.515,"confidence":0.9997769,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.20750024914741516},{"word":"as","start":579.735,"end":579.97504,"confidence":0.9715788,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.19232846796512604},{"word":"more","start":579.97504,"end":580.135,"confidence":0.9989568,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.30646491050720215},{"word":"of","start":580.135,"end":580.295,"confidence":0.9906831,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3468513786792755},{"word":"an","start":580.295,"end":580.455,"confidence":0.9812856,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3719141483306885},{"word":"actively","start":580.455,"end":580.935,"confidence":0.998543,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":-0.2803863286972046},{"word":"managed","start":580.935,"end":581.335,"confidence":0.9948814,"punctuated_word":"managed","sentiment":"negative","sentiment_score":-0.3353178799152374},{"word":"fund","start":581.335,"end":581.835,"confidence":0.95297325,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.31277215480804443},{"word":"has","start":582.17,"end":582.32996,"confidence":0.99884486,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.5327139496803284},{"word":"been","start":582.32996,"end":582.56995,"confidence":0.99762243,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4757997989654541},{"word":"underperforming","start":582.56995,"end":583.06995,"confidence":0.99505013,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.4180309772491455},{"word":"for","start":583.29,"end":583.44995,"confidence":0.99440926,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4396415948867798},{"word":"the","start":583.44995,"end":583.52997,"confidence":0.9993166,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.45323798060417175},{"word":"past","start":583.52997,"end":583.76996,"confidence":0.99965286,"punctuated_word":"past","sentiment":"negative","sentiment_score":-0.4989718794822693},{"word":"couple","start":583.76996,"end":584.00995,"confidence":0.9997893,"punctuated_word":"couple","sentiment":"negative","sentiment_score":-0.5470551252365112},{"word":"of","start":584.00995,"end":584.17,"confidence":0.997681,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5063974261283875},{"word":"months","start":584.17,"end":584.41,"confidence":0.9546061,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.12415169924497604},{"word":"so","start":584.41,"end":584.64996,"confidence":0.8872543,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06805875152349472},{"word":"as","start":584.64996,"end":584.81,"confidence":0.98362017,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11460714042186736},{"word":"a","start":584.81,"end":584.88995,"confidence":0.9788352,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1240641623735428},{"word":"business","start":584.88995,"end":585.29,"confidence":0.9995459,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.12214743345975876},{"word":"decision","start":585.29,"end":585.69,"confidence":0.9940258,"punctuated_word":"decision,","sentiment":"neutral","sentiment_score":-0.08456635475158691},{"word":"they've","start":585.69,"end":585.93,"confidence":0.9700028,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.11232149600982666},{"word":"decided","start":585.93,"end":586.32996,"confidence":0.9996866,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":-0.10158884525299072},{"word":"it's","start":586.32996,"end":586.56995,"confidence":0.9968439,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14235228300094604},{"word":"important","start":586.56995,"end":586.97,"confidence":0.9999269,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.1618998646736145},{"word":"to","start":586.97,"end":587.05,"confidence":0.99927455,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18767878413200376},{"word":"remove","start":587.05,"end":587.37,"confidence":0.999608,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.2195899486541748},{"word":"that","start":587.37,"end":587.52997,"confidence":0.99965,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2185232937335968},{"word":"out","start":587.52997,"end":587.76996,"confidence":0.72026825,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.1902107298374176},{"word":"and","start":587.76996,"end":588.08997,"confidence":0.9637065,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14365604519844055},{"word":"the","start":588.08997,"end":588.32996,"confidence":0.42809835,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1635131537914276},{"word":"committee","start":588.32996,"end":588.73,"confidence":0.9506929,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":-0.18147438764572144},{"word":"met","start":588.73,"end":588.88995,"confidence":0.80477905,"punctuated_word":"met,","sentiment":"neutral","sentiment_score":-0.1238948181271553},{"word":"and","start":588.88995,"end":589.05,"confidence":0.9997564,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09524396061897278},{"word":"they","start":589.05,"end":589.20996,"confidence":0.999806,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.12405800074338912},{"word":"said","start":589.20996,"end":589.44995,"confidence":0.9792828,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.1151893436908722},{"word":"no","start":589.44995,"end":589.61,"confidence":0.79353046,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.20891405642032623},{"word":"we","start":589.61,"end":589.76996,"confidence":0.9991117,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.18272723257541656},{"word":"wanna","start":589.76996,"end":590.08997,"confidence":0.9973207,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.18343618512153623},{"word":"remove","start":590.08997,"end":590.41,"confidence":0.999241,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.19401845335960388},{"word":"that","start":590.41,"end":590.64996,"confidence":0.99551505,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2979210615158081},{"word":"out","start":590.64996,"end":590.81,"confidence":0.99746203,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.1852462887763977},{"word":"it's","start":590.81,"end":591.13,"confidence":0.9998406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2782580256462097},{"word":"no","start":591.13,"end":591.37,"confidence":0.9991885,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.28776058554649353},{"word":"longer","start":591.37,"end":591.76996,"confidence":0.99949753,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.29333797097206116},{"word":"seen","start":591.76996,"end":592.08997,"confidence":0.9901608,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.2437037229537964},{"word":"as","start":592.08997,"end":592.58997,"confidence":0.9996526,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15883474051952362},{"word":"a","start":592.64996,"end":592.81,"confidence":0.9911419,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15026867389678955},{"word":"quality","start":592.81,"end":593.29,"confidence":0.9482112,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":-0.17937880754470825},{"word":"investment","start":593.29,"end":593.79,"confidence":0.9978125,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.06724110245704651},{"word":"to","start":593.85,"end":593.93,"confidence":0.84426665,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14992466568946838},{"word":"keep","start":593.93,"end":594.17,"confidence":0.90850294,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.08162283897399902},{"word":"in","start":594.17,"end":594.41,"confidence":0.98426646,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10613370686769484},{"word":"super","start":594.41,"end":594.91,"confidence":0.6591076,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.01807413250207901},{"word":"and","start":595.005,"end":595.165,"confidence":0.9998765,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06340482831001282},{"word":"the","start":595.165,"end":595.325,"confidence":0.9943078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06013334542512894},{"word":"fact","start":595.325,"end":595.405,"confidence":0.99773574,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":-0.04379727691411972},{"word":"that","start":595.405,"end":595.485,"confidence":0.99598014,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05056630074977875},{"word":"it's","start":595.485,"end":595.805,"confidence":0.9578127,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0535268560051918},{"word":"underperforming","start":595.805,"end":596.305,"confidence":0.9938834,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.37857508659362793},{"word":"isn't","start":596.685,"end":596.925,"confidence":0.9987789,"punctuated_word":"isn't","sentiment":"negative","sentiment_score":-0.45106786489486694},{"word":"giving","start":596.925,"end":597.245,"confidence":0.9983734,"punctuated_word":"giving","sentiment":"negative","sentiment_score":-0.5060874223709106},{"word":"you","start":597.245,"end":597.405,"confidence":0.9997801,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4169449806213379},{"word":"any","start":597.405,"end":597.725,"confidence":0.99985254,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.33988136053085327},{"word":"advantages","start":597.725,"end":598.225,"confidence":0.9969666,"punctuated_word":"advantages.","sentiment":"negative","sentiment_score":-0.33944880962371826},{"word":"so","start":598.525,"end":599.025,"confidence":0.99887234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10918790102005003},{"word":"we","start":599.885,"end":600.125,"confidence":0.66629285,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08325766026973724},{"word":"are","start":600.125,"end":600.445,"confidence":0.99988174,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08392375707626343},{"word":"removing","start":600.445,"end":600.945,"confidence":0.9991679,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.1007811576128006},{"word":"ben","start":601.005,"end":601.245,"confidence":0.7653048,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":-0.1476014256477356},{"word":"along","start":601.245,"end":601.645,"confidence":0.75973254,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.1378663182258606},{"word":"out","start":601.645,"end":602.145,"confidence":0.8427192,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.09420420229434968},{"word":"and","start":602.365,"end":602.605,"confidence":0.9993418,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.020573418587446213},{"word":"so","start":602.605,"end":602.84503,"confidence":0.99416816,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.006973780691623688},{"word":"by","start":602.84503,"end":603.34503,"confidence":0.9972687,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.01139318197965622},{"word":"putting","start":603.565,"end":603.885,"confidence":0.99940085,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.02766263671219349},{"word":"you","start":603.885,"end":604.125,"confidence":0.99939847,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039393093436956406},{"word":"into","start":604.125,"end":604.365,"confidence":0.99939835,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07306183129549026},{"word":"that","start":604.365,"end":604.605,"confidence":0.97315377,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0605723075568676},{"word":"high","start":604.605,"end":604.84503,"confidence":0.96288866,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.05795777216553688},{"word":"growth","start":604.84503,"end":605.165,"confidence":0.99756706,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0954262763261795},{"word":"environment","start":605.165,"end":605.665,"confidence":0.9975369,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.11608292162418364},{"word":"you'll","start":606.28503,"end":606.445,"confidence":0.9969882,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.08398377895355225},{"word":"see","start":606.445,"end":606.945,"confidence":0.9995289,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0904521718621254},{"word":"in","start":607.16003,"end":607.32,"confidence":0.9998518,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0971744954586029},{"word":"the","start":607.32,"end":607.48004,"confidence":0.99986184,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07354313135147095},{"word":"advice","start":607.48004,"end":607.98004,"confidence":0.8068619,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07266923785209656},{"word":"document","start":608.04004,"end":608.52,"confidence":0.98862934,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06755118072032928},{"word":"all","start":608.52,"end":608.76,"confidence":0.8339951,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08451369404792786},{"word":"the","start":608.76,"end":609.0,"confidence":0.99942553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04540257155895233},{"word":"investments","start":609.0,"end":609.5,"confidence":0.9968612,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.023450560867786407},{"word":"that","start":609.64,"end":609.72003,"confidence":0.99973005,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07738995552062988},{"word":"we","start":609.72003,"end":609.88,"confidence":0.99988866,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.043873514980077744},{"word":"have","start":609.88,"end":610.04004,"confidence":0.9993075,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05461828410625458},{"word":"in","start":610.04004,"end":610.2,"confidence":0.73702836,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04947318881750107},{"word":"there","start":610.2,"end":610.28,"confidence":0.86427236,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07357268035411835},{"word":"we'll","start":610.28,"end":610.52,"confidence":0.97155035,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.11559486389160156},{"word":"show","start":610.52,"end":610.76,"confidence":0.99938524,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.14290112257003784},{"word":"you","start":610.76,"end":610.92004,"confidence":0.99820673,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13556049764156342},{"word":"what","start":610.92004,"end":611.08,"confidence":0.9995604,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12666471302509308},{"word":"we're","start":611.08,"end":611.24,"confidence":0.99951863,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08863382041454315},{"word":"selling","start":611.24,"end":611.56,"confidence":0.9997392,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.08826743066310883},{"word":"and","start":611.56,"end":611.72003,"confidence":0.9918961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12889890372753143},{"word":"what","start":611.72003,"end":611.96,"confidence":0.99944264,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09650757908821106},{"word":"we're","start":611.96,"end":612.12,"confidence":0.9993677,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06031143665313721},{"word":"gonna","start":612.12,"end":612.44,"confidence":0.99892044,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05181359499692917},{"word":"buy","start":612.44,"end":612.94,"confidence":0.7933711,"punctuated_word":"buy.","sentiment":"neutral","sentiment_score":0.025594577193260193},{"word":"but","start":613.48004,"end":613.72003,"confidence":0.9387888,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.007779058068990707},{"word":"we're","start":613.72003,"end":613.96,"confidence":0.99969304,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.04731670022010803},{"word":"essentially","start":613.96,"end":614.44,"confidence":0.96199864,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.03442806750535965},{"word":"gonna","start":614.44,"end":614.68,"confidence":0.9981475,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04249058663845062},{"word":"be","start":614.68,"end":615.08,"confidence":0.9990717,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03610428795218468},{"word":"selling","start":615.08,"end":615.48004,"confidence":0.99640924,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.0364995151758194},{"word":"out","start":615.48004,"end":615.72003,"confidence":0.998847,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06708121299743652},{"word":"of","start":615.72003,"end":616.22003,"confidence":0.9984927,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08011481910943985},{"word":"the","start":616.52,"end":616.56006,"confidence":0.9953635,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03783801943063736},{"word":"then","start":616.60004,"end":616.84,"confidence":0.88591963,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.007663622498512268},{"word":"along","start":616.84,"end":617.16003,"confidence":0.93565434,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.05325484275817871},{"word":"australian","start":617.16003,"end":617.64,"confidence":0.9582124,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.0020702481269836426},{"word":"equities","start":617.64,"end":618.12,"confidence":0.7773689,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":-0.030315114185214043},{"word":"and","start":618.12,"end":618.28,"confidence":0.9396824,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021513432264328003},{"word":"also","start":618.28,"end":618.52,"confidence":0.9378367,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.019581008702516556},{"word":"the","start":618.52,"end":618.76,"confidence":0.99308115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028550341725349423},{"word":"bank","start":618.76,"end":619.0,"confidence":0.72138476,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.023321472108364105},{"word":"hybrids","start":619.0,"end":619.48004,"confidence":0.9883783,"punctuated_word":"hybrids.","sentiment":"neutral","sentiment_score":-0.03088552877306938},{"word":"you","start":619.48004,"end":619.64,"confidence":0.99144846,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.043937798589468},{"word":"had","start":619.64,"end":619.8,"confidence":0.7835032,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05091288685798645},{"word":"some","start":619.8,"end":620.12,"confidence":0.9932024,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.03263585641980171},{"word":"bank","start":620.12,"end":620.36005,"confidence":0.99093235,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.056842509657144547},{"word":"hybrids","start":620.36005,"end":620.76,"confidence":0.99540895,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.028987770900130272},{"word":"in","start":620.76,"end":620.92004,"confidence":0.99636865,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0438249409198761},{"word":"there","start":620.92004,"end":621.16003,"confidence":0.94107074,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.03179677575826645},{"word":"and","start":621.16003,"end":621.32,"confidence":0.9726782,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03578052669763565},{"word":"they're","start":621.32,"end":621.56,"confidence":0.97586656,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.07072287797927856},{"word":"more","start":621.56,"end":621.72003,"confidence":0.97868365,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05938053131103515},{"word":"of","start":621.72003,"end":621.88,"confidence":0.9776748,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06455639749765396},{"word":"a","start":621.88,"end":622.04004,"confidence":0.92190266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.053354933857917786},{"word":"defensive","start":622.04004,"end":622.44,"confidence":0.97186446,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.09843751788139345},{"word":"investment","start":622.44,"end":622.905,"confidence":0.6947543,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.09269629418849944},{"word":"over","start":622.905,"end":623.385,"confidence":0.51607424,"punctuated_word":"Over","sentiment":"neutral","sentiment_score":-0.10041084885597228},{"word":"the","start":623.385,"end":623.865,"confidence":0.75986177,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12402458488941193},{"word":"course","start":623.865,"end":624.34503,"confidence":0.58364594,"punctuated_word":"course","sentiment":"neutral","sentiment_score":-0.16026149690151217},{"word":"of","start":624.34503,"end":624.825,"confidence":0.8526764,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13284088671207428},{"word":"the","start":624.825,"end":625.105,"confidence":0.7809852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15010501444339752},{"word":"next","start":625.105,"end":625.385,"confidence":0.5631419,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.16258087754249573},{"word":"couple","start":625.385,"end":625.705,"confidence":0.53844947,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.12972715497016907},{"word":"of","start":625.705,"end":626.025,"confidence":0.7065174,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13756294548511505},{"word":"years","start":626.025,"end":626.0517,"confidence":0.83045053,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.12719875574111938},{"word":"they","start":626.0517,"end":626.07837,"confidence":0.91466695,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.19755226373672485},{"word":"are","start":626.07837,"end":626.10504,"confidence":0.9450118,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1597558557987213},{"word":"gonna","start":626.10504,"end":626.18506,"confidence":0.5040786,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17557281255722046},{"word":"be","start":626.18506,"end":626.265,"confidence":0.78333074,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17426937818527222},{"word":"sort","start":626.265,"end":626.47833,"confidence":0.840269,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.15114137530326843},{"word":"of","start":626.47833,"end":626.6917,"confidence":0.8902695,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17861759662628174},{"word":"phased","start":626.6917,"end":626.905,"confidence":0.9653054,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":-0.13612604141235352},{"word":"out","start":626.905,"end":627.06506,"confidence":0.88369405,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.11771700531244278},{"word":"so","start":627.06506,"end":627.22504,"confidence":0.85021853,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008800119161605835},{"word":"we","start":627.22504,"end":627.72504,"confidence":0.8310447,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0164862722158432},{"word":"are","start":627.78503,"end":627.86505,"confidence":0.91877604,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03279264271259308},{"word":"taking","start":627.86505,"end":627.98505,"confidence":0.80953336,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.03946646302938461},{"word":"the","start":627.98505,"end":628.10504,"confidence":0.8506001,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025659218430519104},{"word":"steps","start":628.10504,"end":628.505,"confidence":0.46366194,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":0.04586758464574814},{"word":"to","start":628.505,"end":628.905,"confidence":0.89242464,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04018620029091835},{"word":"remove","start":628.905,"end":629.22504,"confidence":0.5788613,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.016631044447422028},{"word":"that","start":629.22504,"end":629.72504,"confidence":0.88150907,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.033137835562229156},{"word":"as","start":629.78503,"end":629.945,"confidence":0.6531306,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.006447106599807739},{"word":"well","start":629.945,"end":629.985,"confidence":0.9679294,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.01042761653661728},{"word":"as","start":629.985,"end":630.025,"confidence":0.9125803,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.002478070557117462},{"word":"the","start":630.025,"end":630.10504,"confidence":0.87322855,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009547993540763857},{"word":"benelon","start":630.10504,"end":630.505,"confidence":0.61684465,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.027744460850954056},{"word":"equities","start":630.505,"end":631.005,"confidence":0.7892971,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.04744871333241463},{"word":"and","start":631.22504,"end":631.465,"confidence":0.77441436,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06440530717372894},{"word":"put","start":631.465,"end":631.54504,"confidence":0.7177865,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.057720474898815155},{"word":"that","start":631.54504,"end":631.945,"confidence":0.92540467,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05008428543806076},{"word":"money","start":631.945,"end":632.18506,"confidence":0.88417363,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05923857539892197},{"word":"into","start":632.18506,"end":632.42505,"confidence":0.97854596,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1009260267019272},{"word":"something","start":632.42505,"end":632.905,"confidence":0.85467607,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.09602167457342148},{"word":"that","start":632.905,"end":632.98505,"confidence":0.97026765,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11265214532613754},{"word":"has","start":632.98505,"end":633.22504,"confidence":0.9641196,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08071337640285492},{"word":"sort","start":633.22504,"end":633.385,"confidence":0.9715071,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09337173402309418},{"word":"of","start":633.385,"end":633.54504,"confidence":0.97625864,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11081591993570328},{"word":"shown","start":633.54504,"end":634.04504,"confidence":0.986299,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":0.08638714253902435},{"word":"a","start":634.10504,"end":634.265,"confidence":0.99651563,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17436225712299347},{"word":"a","start":634.265,"end":634.34503,"confidence":0.9811157,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12553046643733978},{"word":"little","start":634.34503,"end":634.66504,"confidence":0.98015356,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1332186460494995},{"word":"bit","start":634.66504,"end":634.825,"confidence":0.9862055,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11993477493524551},{"word":"more","start":634.825,"end":635.065,"confidence":0.97164065,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09667879343032836},{"word":"of","start":635.065,"end":635.30505,"confidence":0.9925517,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1146555095911026},{"word":"a","start":635.30505,"end":635.465,"confidence":0.9731713,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1155015379190445},{"word":"return","start":635.465,"end":635.965,"confidence":0.94977367,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.1899976432323456},{"word":"and","start":636.36,"end":636.52,"confidence":0.99938345,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2856456935405731},{"word":"can","start":636.52,"end":636.6,"confidence":0.99547285,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2906407117843628},{"word":"provide","start":636.6,"end":637.0,"confidence":0.9991935,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.37135952711105347},{"word":"you","start":637.0,"end":637.16,"confidence":0.9986714,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3885565996170044},{"word":"a","start":637.16,"end":637.32,"confidence":0.9942174,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3666988015174866},{"word":"greater","start":637.32,"end":637.64,"confidence":0.99908376,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.3208564519882202},{"word":"benefit","start":637.64,"end":638.04,"confidence":0.9986406,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4846446216106415},{"word":"over","start":638.04,"end":638.27997,"confidence":0.9996737,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4088744819164276},{"word":"the","start":638.27997,"end":638.44,"confidence":0.9996612,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18915441632270813},{"word":"next","start":638.44,"end":638.68,"confidence":0.99803823,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1067885234951973},{"word":"sort","start":638.68,"end":638.83997,"confidence":0.8996762,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17774063348770142},{"word":"of","start":638.83997,"end":638.92,"confidence":0.9475682,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16367194056510925},{"word":"ten","start":638.92,"end":639.16,"confidence":0.99789435,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1607406586408615},{"word":"odd","start":639.16,"end":639.4,"confidence":0.85471195,"punctuated_word":"odd","sentiment":"neutral","sentiment_score":0.1338118463754654},{"word":"years","start":639.4,"end":639.72,"confidence":0.9976179,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1660469025373459},{"word":"there","start":639.72,"end":640.12,"confidence":0.9965346,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1822606474161148},{"word":"okay","start":640.12,"end":640.62,"confidence":0.8183359,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1060539036989212},{"word":"perfect","start":641.48,"end":641.98,"confidence":0.98499966,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4233846068382263},{"word":"so","start":642.6,"end":642.83997,"confidence":0.8967691,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1744658499956131},{"word":"within","start":642.83997,"end":643.16,"confidence":0.9992306,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1307363063097},{"word":"that","start":643.16,"end":643.4,"confidence":0.98729044,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14209477603435516},{"word":"high","start":643.4,"end":643.64,"confidence":0.97014844,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.12686757743358612},{"word":"growth","start":643.64,"end":644.04,"confidence":0.9525322,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1873304396867752},{"word":"in","start":644.04,"end":644.44,"confidence":0.68891203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1280691921710968},{"word":"portfolio","start":644.44,"end":644.94,"confidence":0.7077121,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.0942515879869461},{"word":"once","start":645.32,"end":645.56,"confidence":0.9993419,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.12575441598892212},{"word":"we've","start":645.56,"end":645.8,"confidence":0.99844766,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.10918902605772018},{"word":"completed","start":645.8,"end":646.27997,"confidence":0.9995586,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.13105279207229614},{"word":"the","start":646.27997,"end":646.44,"confidence":0.71688384,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1294599622488022},{"word":"swap","start":646.44,"end":646.76,"confidence":0.99824655,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.12136992812156676},{"word":"over","start":646.76,"end":646.92,"confidence":0.9436174,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10548917949199677},{"word":"and","start":646.92,"end":647.08,"confidence":0.99143606,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10806357860565186},{"word":"the","start":647.08,"end":647.24,"confidence":0.9962047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1404600441455841},{"word":"changes","start":647.24,"end":647.64,"confidence":0.94848424,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.1314435750246048},{"word":"and","start":647.64,"end":647.8,"confidence":0.9449518,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11295060813426971},{"word":"a","start":647.8,"end":647.88,"confidence":0.9754415,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1304514706134796},{"word":"bit","start":647.88,"end":648.12,"confidence":0.99945956,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11464990675449371},{"word":"of","start":648.12,"end":648.27997,"confidence":0.9991404,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15418124198913574},{"word":"a","start":648.27997,"end":648.44,"confidence":0.97462523,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13491302728652954},{"word":"rebalance","start":648.44,"end":648.94,"confidence":0.9952295,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.12085282802581788},{"word":"on","start":649.0,"end":649.24,"confidence":0.9954461,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11076802015304564},{"word":"things","start":649.24,"end":649.725,"confidence":0.9925097,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.09790462255477904},{"word":"essentially","start":650.045,"end":650.365,"confidence":0.9868975,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.10571420192718506},{"word":"you'll","start":650.365,"end":650.52496,"confidence":0.877535,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.13291293382644653},{"word":"have","start":650.52496,"end":650.76495,"confidence":0.9996942,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.123539537191391},{"word":"a","start":650.76495,"end":650.845,"confidence":0.99956137,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13751789927482605},{"word":"bit","start":650.845,"end":651.005,"confidence":0.99912065,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10420133173465727},{"word":"of","start":651.005,"end":651.165,"confidence":0.9952839,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12490209937095642},{"word":"physical","start":651.165,"end":651.485,"confidence":0.99782217,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.08089566230773926},{"word":"global","start":651.96497,"end":652.44495,"confidence":0.5808192,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.08746162056922913},{"word":"x","start":652.44495,"end":652.685,"confidence":0.4209077,"punctuated_word":"x","sentiment":"neutral","sentiment_score":0.1166394054889679},{"word":"physical","start":652.685,"end":653.165,"confidence":0.8917049,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.05422935262322426},{"word":"gold","start":653.165,"end":653.40497,"confidence":0.988494,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.08379050344228745},{"word":"in","start":653.40497,"end":653.565,"confidence":0.99925834,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09264613687992096},{"word":"there","start":653.565,"end":653.805,"confidence":0.94140756,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09172839671373367},{"word":"you'll","start":653.805,"end":654.045,"confidence":0.983152,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.07375236600637436},{"word":"have","start":654.045,"end":654.285,"confidence":0.9999385,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0660870298743248},{"word":"about","start":654.285,"end":654.52496,"confidence":0.9862353,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05870705842971802},{"word":"7%","start":654.52496,"end":655.32495,"confidence":0.96864545,"punctuated_word":"7%.","sentiment":"neutral","sentiment_score":0.08031118661165237},{"word":"gold","start":655.32495,"end":655.64496,"confidence":0.9987406,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.04596521332859993},{"word":"has","start":655.64496,"end":655.88495,"confidence":0.9998061,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.009120691567659378},{"word":"been","start":655.88495,"end":656.045,"confidence":0.9996778,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.010578960180282593},{"word":"doing","start":656.045,"end":656.365,"confidence":0.99953127,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.02632034569978714},{"word":"gangbusters","start":656.365,"end":656.865,"confidence":0.9851924,"punctuated_word":"gangbusters","sentiment":"neutral","sentiment_score":0.031182190403342247},{"word":"over","start":657.08496,"end":657.32495,"confidence":0.9994404,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03418015316128731},{"word":"the","start":657.32495,"end":657.485,"confidence":0.9969969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0015120059251785278},{"word":"last","start":657.485,"end":657.64496,"confidence":0.9997787,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.011522803455591202},{"word":"year","start":657.64496,"end":657.88495,"confidence":0.99954885,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0218836423009634},{"word":"and","start":657.88495,"end":658.125,"confidence":0.99404055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14362207055091858},{"word":"continues","start":658.125,"end":658.625,"confidence":0.9987037,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.2260534018278122},{"word":"to","start":658.685,"end":658.76495,"confidence":0.9997625,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.340146541595459},{"word":"do","start":658.76495,"end":659.005,"confidence":0.9994311,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3261810541152954},{"word":"well","start":659.005,"end":659.505,"confidence":0.999631,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2922283411026001},{"word":"it's","start":659.805,"end":660.045,"confidence":0.88592255,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.182628870010376},{"word":"more","start":660.045,"end":660.20496,"confidence":0.9998889,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1273181140422821},{"word":"of","start":660.20496,"end":660.285,"confidence":0.99960595,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17649155855178833},{"word":"an","start":660.285,"end":660.52496,"confidence":0.9998385,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16094954311847687},{"word":"alternative","start":660.52496,"end":661.02496,"confidence":0.9995555,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.1775546669960022},{"word":"investment","start":661.165,"end":661.64496,"confidence":0.9717059,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.1361907124519348},{"word":"but","start":661.64496,"end":661.805,"confidence":0.99987674,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13991807401180267},{"word":"it","start":661.805,"end":661.88495,"confidence":0.9970669,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19266097247600555},{"word":"is","start":661.88495,"end":662.125,"confidence":0.98158914,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1633394956588745},{"word":"seen","start":662.125,"end":662.285,"confidence":0.94969034,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.22017796337604523},{"word":"as","start":662.285,"end":662.44495,"confidence":0.9941537,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20926186442375183},{"word":"growth","start":662.44495,"end":662.76495,"confidence":0.9798237,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.2406250238418579},{"word":"it","start":662.76495,"end":662.925,"confidence":0.999673,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3303319215774536},{"word":"does","start":662.925,"end":663.245,"confidence":0.9997397,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.35239890217781067},{"word":"provide","start":663.245,"end":663.64496,"confidence":0.99913895,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.3668051362037658},{"word":"great","start":663.64496,"end":663.88495,"confidence":0.9990103,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4138004779815674},{"word":"growth","start":663.88495,"end":664.285,"confidence":0.9995301,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5054119825363159},{"word":"and","start":664.285,"end":664.52496,"confidence":0.44190037,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3184736371040344},{"word":"at","start":664.52496,"end":664.77,"confidence":0.8718402,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3361491858959198},{"word":"times","start":664.77,"end":665.01,"confidence":0.9927971,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.2218103259801865},{"word":"where","start":665.01,"end":665.17004,"confidence":0.66730475,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.19008496403694153},{"word":"equities","start":665.17004,"end":665.65,"confidence":0.75805616,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.17802706360816956},{"word":"aren't","start":665.65,"end":665.89,"confidence":0.9006226,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.09096814692020416},{"word":"performing","start":665.89,"end":666.37,"confidence":0.9981323,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.09574535489082336},{"word":"well","start":666.37,"end":666.61005,"confidence":0.91288054,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1043245568871498},{"word":"come","start":666.61005,"end":666.93,"confidence":0.5519698,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1332615315914154},{"word":"act","start":666.93,"end":667.25,"confidence":0.114587076,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.15471211075782776},{"word":"defensively","start":667.25,"end":667.75,"confidence":0.8395044,"punctuated_word":"defensively","sentiment":"neutral","sentiment_score":0.1609330028295517},{"word":"for","start":667.81,"end":667.97003,"confidence":0.99897575,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18941357731819153},{"word":"your","start":667.97003,"end":668.21,"confidence":0.9980307,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21156316995620728},{"word":"portfolio","start":668.21,"end":668.71,"confidence":0.99937195,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1201847568154335},{"word":"as","start":668.85004,"end":669.01,"confidence":0.98933905,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14743880927562714},{"word":"well","start":669.01,"end":669.51,"confidence":0.99888587,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13800787925720215},{"word":"you'll","start":670.61005,"end":670.93,"confidence":0.88545597,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.1744004338979721},{"word":"see","start":670.93,"end":671.17004,"confidence":0.9974118,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19715672731399536},{"word":"a","start":671.17004,"end":671.25,"confidence":0.9994325,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18257781863212583},{"word":"little","start":671.25,"end":671.49,"confidence":0.9996921,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1507156640291214},{"word":"bit","start":671.49,"end":671.65,"confidence":0.9995958,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12572558224201202},{"word":"of","start":671.65,"end":671.89,"confidence":0.9979055,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14713552594184875},{"word":"cybersecurity","start":671.89,"end":672.39,"confidence":0.72936666,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.10734906047582626},{"word":"in","start":672.61005,"end":672.69,"confidence":0.5420532,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15832465887069702},{"word":"there","start":672.69,"end":672.85004,"confidence":0.9948757,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13617007434368134},{"word":"again","start":672.85004,"end":673.09,"confidence":0.4926267,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.14174970984458923},{"word":"about","start":673.09,"end":673.41003,"confidence":0.7580703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12920206785202026},{"word":"7%","start":673.41003,"end":674.21,"confidence":0.96392536,"punctuated_word":"7%.","sentiment":"neutral","sentiment_score":0.1603972613811493},{"word":"this","start":674.21,"end":674.45,"confidence":0.6832142,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.16794414818286896},{"word":"is","start":674.45,"end":674.53,"confidence":0.9937226,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16018694639205933},{"word":"sort","start":674.53,"end":674.69,"confidence":0.99398696,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17102310061454773},{"word":"of","start":674.69,"end":674.85004,"confidence":0.9907979,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18433281779289248},{"word":"reaching","start":674.85004,"end":675.25,"confidence":0.9982461,"punctuated_word":"reaching","sentiment":"neutral","sentiment_score":0.1479218304157257},{"word":"out","start":675.25,"end":675.41003,"confidence":0.996323,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.17483219504356384},{"word":"of","start":675.41003,"end":675.49,"confidence":0.8311817,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15541031956672668},{"word":"branching","start":675.49,"end":675.99,"confidence":0.3238956,"punctuated_word":"branching","sentiment":"neutral","sentiment_score":0.15919823944568634},{"word":"into","start":676.13,"end":676.45,"confidence":0.996608,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2011670470237732},{"word":"other","start":676.45,"end":676.69,"confidence":0.99538136,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.18224915862083435},{"word":"areas","start":676.69,"end":677.09,"confidence":0.997063,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.1614934206008911},{"word":"to","start":677.09,"end":677.17004,"confidence":0.99183136,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2383476495742798},{"word":"try","start":677.17004,"end":677.33,"confidence":0.99661595,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.25890254974365234},{"word":"and","start":677.33,"end":677.49,"confidence":0.996863,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24913610517978668},{"word":"get","start":677.49,"end":677.73004,"confidence":0.9977422,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2393159866333008},{"word":"greater","start":677.73004,"end":677.97003,"confidence":0.9927604,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.23698103427886963},{"word":"potential","start":677.97003,"end":678.47003,"confidence":0.9970419,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.376751184463501},{"word":"returns","start":678.53,"end":678.93,"confidence":0.92339635,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.2697295546531677},{"word":"cyber","start":678.93,"end":679.425,"confidence":0.9066051,"punctuated_word":"Cyber","sentiment":"neutral","sentiment_score":0.12230519205331802},{"word":"security","start":679.58496,"end":679.745,"confidence":0.98102736,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1221081092953682},{"word":"is","start":679.745,"end":679.90497,"confidence":0.9957807,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0683269128203392},{"word":"still","start":679.90497,"end":680.14496,"confidence":0.99964,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10675334185361862},{"word":"quite","start":680.14496,"end":680.385,"confidence":0.9992724,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.11062827706336976},{"word":"a","start":680.385,"end":680.46497,"confidence":0.9985629,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10642865300178528},{"word":"big","start":680.46497,"end":680.705,"confidence":0.9994217,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.14410042762756348},{"word":"area","start":680.705,"end":681.02496,"confidence":0.99925643,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.1990445852279663},{"word":"to","start":681.02496,"end":681.185,"confidence":0.99964774,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15744444727897644},{"word":"be","start":681.185,"end":681.425,"confidence":0.9987404,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14802442491054535},{"word":"invested","start":681.425,"end":681.825,"confidence":0.99953115,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.08182737231254578},{"word":"in","start":681.825,"end":682.325,"confidence":0.9993727,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.13041359186172485},{"word":"as","start":683.265,"end":683.505,"confidence":0.8259935,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.004170693457126617},{"word":"much","start":683.505,"end":683.745,"confidence":0.999859,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08406385034322739},{"word":"as","start":683.745,"end":683.90497,"confidence":0.9992157,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05665568262338638},{"word":"equities","start":683.90497,"end":684.305,"confidence":0.9985144,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.15409085154533386},{"word":"in","start":684.305,"end":684.46497,"confidence":0.99882394,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1509881317615509},{"word":"the","start":684.46497,"end":684.625,"confidence":0.99975675,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08383965492248535},{"word":"us","start":684.625,"end":684.945,"confidence":0.9997929,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.15181666612625122},{"word":"can","start":684.945,"end":685.105,"confidence":0.9996538,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.10613197833299635},{"word":"have","start":685.105,"end":685.265,"confidence":0.9995714,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13761574029922485},{"word":"some","start":685.265,"end":685.505,"confidence":0.9997707,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1510063409805298},{"word":"ups","start":685.505,"end":685.745,"confidence":0.99962556,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.1943485885858536},{"word":"and","start":685.745,"end":685.90497,"confidence":0.9996313,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2329171746969223},{"word":"downs","start":685.90497,"end":686.385,"confidence":0.9934793,"punctuated_word":"downs,","sentiment":"neutral","sentiment_score":-0.15107212960720062},{"word":"still","start":686.385,"end":686.705,"confidence":0.97002554,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.13022299110889435},{"word":"having","start":686.705,"end":687.02496,"confidence":0.98819286,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.17874360084533691},{"word":"some","start":687.02496,"end":687.52496,"confidence":0.9998357,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.17973926663398743},{"word":"exposure","start":687.985,"end":688.485,"confidence":0.9685532,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.24542583525180817},{"word":"into","start":688.545,"end":688.785,"confidence":0.9983729,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.212960422039032},{"word":"the","start":688.785,"end":688.945,"confidence":0.99914443,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18866276741027832},{"word":"s","start":688.945,"end":689.105,"confidence":0.95118684,"punctuated_word":"S","sentiment":"neutral","sentiment_score":-0.21968340873718264},{"word":"and","start":689.105,"end":689.265,"confidence":0.9855439,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1852806955575943},{"word":"p","start":689.265,"end":689.505,"confidence":0.99951315,"punctuated_word":"P","sentiment":"neutral","sentiment_score":-0.18344658613204956},{"word":"500","start":689.505,"end":690.14496,"confidence":0.99990046,"punctuated_word":"500","sentiment":"neutral","sentiment_score":-0.20537327229976657},{"word":"is","start":690.14496,"end":690.305,"confidence":0.9997402,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1505207717418671},{"word":"really","start":690.305,"end":690.625,"confidence":0.9999485,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.023305311799049377},{"word":"important","start":690.625,"end":691.125,"confidence":0.95490754,"punctuated_word":"important,","sentiment":"neutral","sentiment_score":-0.10035686194896698},{"word":"and","start":691.185,"end":691.345,"confidence":0.99959785,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12001428008079527},{"word":"you'll","start":691.345,"end":691.58496,"confidence":0.99987125,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.14015790820121765},{"word":"see","start":691.58496,"end":691.825,"confidence":0.99801105,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11717385053634644},{"word":"about","start":691.825,"end":691.985,"confidence":0.9622892,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.14633023738861084},{"word":"25%","start":691.985,"end":692.945,"confidence":0.9992924,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":-0.156059131026268},{"word":"exposure","start":692.945,"end":693.425,"confidence":0.9993167,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.17417921125888824},{"word":"there","start":693.425,"end":693.925,"confidence":0.9958086,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.13818982243537903},{"word":"they","start":694.31,"end":694.47,"confidence":0.98946893,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.0035220831632614136},{"word":"do","start":694.47,"end":694.70996,"confidence":0.9942708,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04335299134254456},{"word":"it","start":694.87,"end":694.95,"confidence":0.99801505,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.048634350299835205},{"word":"does","start":694.95,"end":695.19,"confidence":0.99937755,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12551575899124146},{"word":"go","start":695.19,"end":695.43,"confidence":0.99833006,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.054134517908096313},{"word":"up","start":695.43,"end":695.67,"confidence":0.9999082,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03605720400810242},{"word":"and","start":695.67,"end":695.75,"confidence":0.9996939,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07622698694467545},{"word":"down","start":695.75,"end":696.07,"confidence":0.86135924,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.05706622824072838},{"word":"but","start":696.07,"end":696.31,"confidence":0.99965596,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.019098646938800812},{"word":"when","start":696.31,"end":696.47,"confidence":0.9998215,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03888452053070069},{"word":"you","start":696.47,"end":696.63,"confidence":0.9999318,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02719402313232422},{"word":"look","start":696.63,"end":696.87,"confidence":0.9998234,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.012667134404182434},{"word":"at","start":696.87,"end":697.11,"confidence":0.9998431,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021993935108184814},{"word":"how","start":697.11,"end":697.51,"confidence":0.9994797,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.029744349420070648},{"word":"the","start":697.51,"end":697.75,"confidence":0.9995091,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06164117902517319},{"word":"us","start":697.75,"end":698.14996,"confidence":0.9987986,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.015325158834457396},{"word":"on","start":698.14996,"end":698.63,"confidence":0.68983626,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18473045527935028},{"word":"international","start":698.63,"end":699.11,"confidence":0.8811626,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.0974886417388916},{"word":"equities","start":699.11,"end":699.58997,"confidence":0.9417513,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.21269075572490692},{"word":"especially","start":699.58997,"end":700.07,"confidence":0.96562696,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.22165775299072263},{"word":"us","start":700.07,"end":700.31,"confidence":0.92133844,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.05397385358810425},{"word":"equities","start":700.31,"end":700.79,"confidence":0.86300755,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.2590530216693878},{"word":"have","start":700.79,"end":700.95,"confidence":0.9437892,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23463138937950137},{"word":"performed","start":700.95,"end":701.35,"confidence":0.9969394,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.26124051213264465},{"word":"over","start":701.35,"end":701.51,"confidence":0.9848433,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.34999027848243713},{"word":"the","start":701.51,"end":701.67,"confidence":0.99627554,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2684286832809448},{"word":"last","start":701.67,"end":701.99,"confidence":0.99936587,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2559186518192291},{"word":"thirty","start":701.99,"end":702.23,"confidence":0.9981122,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.19092676043510437},{"word":"years","start":702.23,"end":702.47,"confidence":0.9937244,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.24318064749240875},{"word":"they","start":702.47,"end":702.63,"confidence":0.99964225,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3577177822589874},{"word":"have","start":702.63,"end":702.87,"confidence":0.9996026,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.32801008224487305},{"word":"provided","start":702.87,"end":703.35,"confidence":0.99274194,"punctuated_word":"provided","sentiment":"positive","sentiment_score":0.438694566488266},{"word":"greater","start":703.35,"end":703.67,"confidence":0.9882434,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.32108792662620544},{"word":"potential","start":703.67,"end":704.17,"confidence":0.999054,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.5009971261024475},{"word":"returns","start":704.23,"end":704.73,"confidence":0.9864947,"punctuated_word":"returns.","sentiment":"positive","sentiment_score":0.3403471112251282},{"word":"with","start":705.99,"end":706.425,"confidence":0.9034167,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.2671182453632355},{"word":"the","start":706.425,"end":706.665,"confidence":0.99954385,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3387233316898346},{"word":"investment","start":706.665,"end":707.065,"confidence":0.99631774,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.23064233362674713},{"word":"that","start":707.065,"end":707.305,"confidence":0.98027897,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2509448528289795},{"word":"you're","start":707.305,"end":707.46497,"confidence":0.99635196,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.28074729442596436},{"word":"actually","start":707.46497,"end":707.705,"confidence":0.9972625,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.22257715463638303},{"word":"in","start":707.705,"end":707.945,"confidence":0.9912519,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16725748777389526},{"word":"at","start":707.945,"end":708.02496,"confidence":0.9801702,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16045618057250977},{"word":"the","start":708.02496,"end":708.105,"confidence":0.9986772,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23065397143363953},{"word":"moment","start":708.105,"end":708.425,"confidence":0.9993111,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.1879488229751587},{"word":"is","start":708.425,"end":708.58496,"confidence":0.9281941,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19035673141479492},{"word":"the","start":708.58496,"end":708.745,"confidence":0.9982494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22130107879638672},{"word":"s","start":708.745,"end":708.90497,"confidence":0.866368,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.17807582020759585},{"word":"and","start":708.90497,"end":708.985,"confidence":0.97807455,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1742510199546814},{"word":"p","start":708.985,"end":709.305,"confidence":0.9986865,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.14816109836101532},{"word":"500","start":709.305,"end":710.02496,"confidence":0.8792961,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.18215665221214297},{"word":"so","start":710.02496,"end":710.185,"confidence":0.99726117,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.171257883310318},{"word":"it","start":710.185,"end":710.345,"confidence":0.96078336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17676062881946564},{"word":"tracks","start":710.345,"end":710.665,"confidence":0.9365402,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.20362499356269836},{"word":"the","start":710.665,"end":710.745,"confidence":0.9837383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21800777316093445},{"word":"top","start":710.745,"end":711.14496,"confidence":0.9977762,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2170337289571762},{"word":"500","start":711.14496,"end":711.705,"confidence":0.9997645,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.20667755603790283},{"word":"companies","start":711.705,"end":712.105,"confidence":0.99937683,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.21007131040096283},{"word":"in","start":712.105,"end":712.265,"confidence":0.99980444,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1287759244441986},{"word":"the","start":712.265,"end":712.505,"confidence":0.9997421,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07954233884811401},{"word":"us","start":712.505,"end":713.005,"confidence":0.93883324,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.14062708616256714},{"word":"and","start":713.305,"end":713.46497,"confidence":0.949066,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12704677879810333},{"word":"that","start":713.46497,"end":713.705,"confidence":0.9978618,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10428661108016968},{"word":"essentially","start":713.705,"end":714.185,"confidence":0.9671472,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08231769502162933},{"word":"means","start":714.185,"end":714.58496,"confidence":0.99972063,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.07353734970092773},{"word":"that","start":714.58496,"end":714.985,"confidence":0.999445,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06474098563194275},{"word":"whilst","start":714.985,"end":715.385,"confidence":0.9548382,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.1147451028227806},{"word":"you're","start":715.385,"end":715.705,"confidence":0.98673457,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12348010390996932},{"word":"tracking","start":715.705,"end":716.105,"confidence":0.97697556,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.11510594189167024},{"word":"the","start":716.105,"end":716.265,"confidence":0.96182626,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13687124848365784},{"word":"top","start":716.265,"end":716.505,"confidence":0.9916093,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.17454099655151367},{"word":"500","start":716.505,"end":717.245,"confidence":0.98796004,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.13314297795295715},{"word":"in","start":717.385,"end":717.625,"confidence":0.9994307,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11033019423484802},{"word":"order","start":717.625,"end":717.865,"confidence":0.9998161,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.08917563408613205},{"word":"to","start":717.865,"end":718.02496,"confidence":0.99944395,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12472191452980042},{"word":"be","start":718.02496,"end":718.265,"confidence":0.9982139,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12538588047027588},{"word":"in","start":718.265,"end":718.425,"confidence":0.99912494,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16130825877189636},{"word":"the","start":718.425,"end":718.745,"confidence":0.9803423,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15646687150001526},{"word":"the","start":718.745,"end":718.90497,"confidence":0.97164065,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.149593785405159},{"word":"s","start":718.90497,"end":719.14496,"confidence":0.99841166,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.11989766359329224},{"word":"and","start":719.14496,"end":719.305,"confidence":0.99954814,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13326787948608398},{"word":"p","start":719.305,"end":719.545,"confidence":0.999814,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.08146767318248749},{"word":"500","start":719.545,"end":720.285,"confidence":0.99991417,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.11659271270036696},{"word":"index","start":720.345,"end":720.845,"confidence":0.97622377,"punctuated_word":"index,","sentiment":"neutral","sentiment_score":0.15420439839363098},{"word":"they","start":721.27,"end":721.43,"confidence":0.9818064,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.16693496704101562},{"word":"actually","start":721.43,"end":721.75,"confidence":0.94977313,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.18969573080539703},{"word":"the","start":721.83,"end":721.91,"confidence":0.99893373,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15329284965991974},{"word":"index","start":721.91,"end":722.31,"confidence":0.9976035,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.12094247341156006},{"word":"actually","start":722.31,"end":722.63,"confidence":0.9892475,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1557949036359787},{"word":"meets","start":722.63,"end":722.75,"confidence":0.5159065,"punctuated_word":"meets","sentiment":"neutral","sentiment_score":0.08825995028018951},{"word":"the","start":722.87,"end":723.11,"confidence":0.9989415,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10965666174888612},{"word":"investment","start":723.11,"end":723.51,"confidence":0.9854918,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04314248263835907},{"word":"committee","start":723.51,"end":723.91,"confidence":0.98991245,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.08387640118598938},{"word":"for","start":723.91,"end":724.07,"confidence":0.9751211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.100331611931324},{"word":"the","start":724.07,"end":724.15,"confidence":0.9993161,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14586247503757477},{"word":"index","start":724.15,"end":724.63,"confidence":0.9985537,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.11210770159959792},{"word":"actually","start":724.63,"end":724.87,"confidence":0.9926192,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.13031210005283356},{"word":"meets","start":724.87,"end":725.19,"confidence":0.9964695,"punctuated_word":"meets","sentiment":"neutral","sentiment_score":0.07272955775260925},{"word":"every","start":725.19,"end":725.43,"confidence":0.9991008,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.11315904557704926},{"word":"quarter","start":725.43,"end":725.93,"confidence":0.915702,"punctuated_word":"quarter,","sentiment":"neutral","sentiment_score":0.13679006695747375},{"word":"and","start":726.23,"end":726.39,"confidence":0.9993199,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10849781334400176},{"word":"they","start":726.39,"end":726.63,"confidence":0.9998134,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10447706282138824},{"word":"determine","start":726.63,"end":727.13,"confidence":0.98112303,"punctuated_word":"determine","sentiment":"neutral","sentiment_score":0.09591397643089294},{"word":"whether","start":727.19,"end":727.58997,"confidence":0.9993326,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06647782027721405},{"word":"in","start":727.58997,"end":727.67,"confidence":0.9938803,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05772147700190544},{"word":"whether","start":727.83,"end":728.15,"confidence":0.9867056,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.048749055713415146},{"word":"companies","start":728.15,"end":728.63,"confidence":0.9948055,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.011521652340888975},{"word":"in","start":728.63,"end":728.79,"confidence":0.999382,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0365859791636467},{"word":"the","start":728.79,"end":728.95,"confidence":0.99909365,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07114416360855103},{"word":"us","start":728.95,"end":729.43,"confidence":0.9991208,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.13937512040138245},{"word":"are","start":729.43,"end":729.58997,"confidence":0.9998455,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0013173073530197144},{"word":"allowed","start":729.58997,"end":729.83,"confidence":0.9993605,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":-0.10928688198328018},{"word":"to","start":729.83,"end":730.07,"confidence":0.99232215,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02300787717103958},{"word":"omit","start":730.07,"end":730.31,"confidence":0.54541916,"punctuated_word":"omit","sentiment":"neutral","sentiment_score":-0.06142623350024223},{"word":"the","start":730.31,"end":730.47,"confidence":0.99811953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08753623813390732},{"word":"criteria","start":730.47,"end":730.97,"confidence":0.99931395,"punctuated_word":"criteria","sentiment":"neutral","sentiment_score":-0.08443336933851242},{"word":"to","start":731.02997,"end":731.19,"confidence":0.99531174,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0599818155169487},{"word":"stay","start":731.19,"end":731.51,"confidence":0.99917465,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.07298484444618225},{"word":"within","start":731.51,"end":731.83,"confidence":0.99990153,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.10439781844615936},{"word":"the","start":731.83,"end":731.99,"confidence":0.9989773,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022612757980823517},{"word":"index","start":731.99,"end":732.47,"confidence":0.8373557,"punctuated_word":"index","sentiment":"neutral","sentiment_score":-0.035521313548088074},{"word":"there","start":732.47,"end":732.79,"confidence":0.95754266,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.017285022884607315},{"word":"so","start":732.79,"end":733.29,"confidence":0.99826366,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0009788274765014648},{"word":"if","start":733.785,"end":733.865,"confidence":0.9982497,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0832308828830719},{"word":"they","start":733.865,"end":734.02496,"confidence":0.9995098,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.20751050114631653},{"word":"no","start":734.02496,"end":734.265,"confidence":0.9988557,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2562180757522583},{"word":"longer","start":734.265,"end":734.505,"confidence":0.998869,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.26931455731391907},{"word":"meet","start":734.505,"end":734.665,"confidence":0.85087246,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.21695442497730255},{"word":"the","start":734.665,"end":734.825,"confidence":0.952711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.238743394613266},{"word":"in","start":734.825,"end":735.065,"confidence":0.84667623,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2643887400627136},{"word":"the","start":735.225,"end":735.385,"confidence":0.9984653,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16399313509464264},{"word":"criteria","start":735.385,"end":735.885,"confidence":0.9961995,"punctuated_word":"criteria,","sentiment":"neutral","sentiment_score":-0.1404147744178772},{"word":"they","start":735.945,"end":736.185,"confidence":0.9997701,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.18729203939437863},{"word":"are","start":736.185,"end":736.345,"confidence":0.99945086,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13178886473178864},{"word":"removed","start":736.345,"end":736.665,"confidence":0.99953926,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.2326190173625946},{"word":"from","start":736.665,"end":736.825,"confidence":0.99974173,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.26685816049575806},{"word":"the","start":736.825,"end":736.985,"confidence":0.99887663,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17801570892333984},{"word":"s","start":736.985,"end":737.145,"confidence":0.8838936,"punctuated_word":"S","sentiment":"neutral","sentiment_score":-0.2001479864120483},{"word":"and","start":737.145,"end":737.305,"confidence":0.9705846,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17583715915679932},{"word":"p","start":737.305,"end":737.545,"confidence":0.9995272,"punctuated_word":"P","sentiment":"neutral","sentiment_score":-0.13219913840293884},{"word":"500","start":737.545,"end":738.185,"confidence":0.98546046,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":-0.1347406506538391},{"word":"which","start":738.185,"end":738.505,"confidence":0.99990094,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.013712599873542786},{"word":"means","start":738.505,"end":738.745,"confidence":0.9960234,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.026431553065776825},{"word":"that","start":738.745,"end":738.985,"confidence":0.99702305,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03738313913345337},{"word":"the","start":738.985,"end":739.305,"confidence":0.9984018,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.037721388041973114},{"word":"investment","start":739.305,"end":739.785,"confidence":0.9588065,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.03965608030557632},{"word":"you're","start":739.785,"end":740.02496,"confidence":0.96593094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04311998933553696},{"word":"in","start":740.02496,"end":740.185,"confidence":0.84780335,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.05637950822710991},{"word":"which","start":740.185,"end":740.505,"confidence":0.99251324,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07627955079078674},{"word":"tracks","start":740.505,"end":740.825,"confidence":0.86462265,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.04932183027267456},{"word":"the","start":740.825,"end":740.985,"confidence":0.9892992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05498349666595459},{"word":"s","start":740.985,"end":741.145,"confidence":0.99869496,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.005382530391216278},{"word":"and","start":741.145,"end":741.305,"confidence":0.9984296,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00349513441324234},{"word":"p","start":741.305,"end":741.545,"confidence":0.99881005,"punctuated_word":"P","sentiment":"neutral","sentiment_score":-0.007415108382701874},{"word":"500","start":741.545,"end":742.105,"confidence":0.9997034,"punctuated_word":"500","sentiment":"neutral","sentiment_score":-0.011157937347888948},{"word":"index","start":742.105,"end":742.505,"confidence":0.8939034,"punctuated_word":"index,","sentiment":"neutral","sentiment_score":0.03227878361940384},{"word":"removes","start":742.505,"end":742.985,"confidence":0.91984826,"punctuated_word":"removes","sentiment":"neutral","sentiment_score":0.007161758840084076},{"word":"those","start":742.985,"end":743.225,"confidence":0.99574274,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.08185800164937973},{"word":"investments","start":743.225,"end":743.705,"confidence":0.99710554,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.17789004743099213},{"word":"as","start":743.705,"end":743.945,"confidence":0.9950826,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02754288911819458},{"word":"well","start":743.945,"end":744.185,"confidence":0.9902483,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.019442804157733917},{"word":"so","start":744.185,"end":744.665,"confidence":0.9948376,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10398384928703308},{"word":"you","start":744.665,"end":744.90497,"confidence":0.9948349,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1618664413690567},{"word":"are","start":744.90497,"end":745.145,"confidence":0.9923274,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18449753522872925},{"word":"always","start":745.145,"end":745.625,"confidence":0.9967744,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2222125232219696},{"word":"invested","start":745.625,"end":746.02496,"confidence":0.9981982,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.16307424008846283},{"word":"in","start":746.02496,"end":746.185,"confidence":0.9699412,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2215001881122589},{"word":"the","start":746.185,"end":746.345,"confidence":0.9428924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25864049792289734},{"word":"top","start":746.345,"end":746.585,"confidence":0.8857269,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2658151090145111},{"word":"500","start":746.585,"end":747.21,"confidence":0.9951321,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.213217169046402},{"word":"companies","start":747.29004,"end":747.69,"confidence":0.9890007,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.17606724798679352},{"word":"regardless","start":747.69,"end":748.09,"confidence":0.92251915,"punctuated_word":"regardless","sentiment":"neutral","sentiment_score":0.05160275846719742},{"word":"of","start":748.09,"end":748.17004,"confidence":0.9993661,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09057015925645828},{"word":"what","start":748.17004,"end":748.33,"confidence":0.9999223,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.009858399629592896},{"word":"is","start":748.33,"end":748.49005,"confidence":0.9882261,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021677330136299133},{"word":"happening","start":748.49005,"end":748.81,"confidence":0.999683,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.005346775054931641},{"word":"within","start":748.81,"end":749.13,"confidence":0.99672794,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.028617940843105316},{"word":"the","start":749.13,"end":749.29004,"confidence":0.99747366,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0017938390374183657},{"word":"us","start":749.29004,"end":749.61005,"confidence":0.9988618,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.03290942311286926},{"word":"there","start":749.61005,"end":750.01,"confidence":0.9926733,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1283365786075592},{"word":"okay","start":750.01,"end":750.51,"confidence":0.9975137,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.2503195106983185},{"word":"we'll","start":752.65,"end":753.15,"confidence":0.69607097,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2610057592391968},{"word":"also","start":753.29004,"end":753.77,"confidence":0.9735955,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21206296980381012},{"word":"have","start":753.77,"end":754.09,"confidence":0.99856746,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2321258932352066},{"word":"exposure","start":754.09,"end":754.57,"confidence":0.99759394,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.2017630636692047},{"word":"to","start":754.57,"end":754.73004,"confidence":0.9990107,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3083207309246063},{"word":"the","start":754.73004,"end":754.89,"confidence":0.999218,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3196626305580139},{"word":"beta","start":754.89,"end":755.13,"confidence":0.7255914,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.29445987939834595},{"word":"sales","start":755.13,"end":755.45,"confidence":0.73697877,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.2368919849395752},{"word":"raffi","start":755.45,"end":755.77,"confidence":0.6278368,"punctuated_word":"Raffi","sentiment":"neutral","sentiment_score":0.2342770993709564},{"word":"aussie","start":755.77,"end":756.09,"confidence":0.9837898,"punctuated_word":"Aussie","sentiment":"neutral","sentiment_score":0.2604273557662964},{"word":"200","start":756.09,"end":756.49005,"confidence":0.7795298,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.27335238456726074},{"word":"so","start":756.49005,"end":756.65,"confidence":0.92813677,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2883816957473755},{"word":"giving","start":756.65,"end":756.89,"confidence":0.9800797,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.30917486548423767},{"word":"you","start":756.89,"end":757.13,"confidence":0.9989679,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3536147475242615},{"word":"access","start":757.13,"end":757.53,"confidence":0.69500744,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.3213442862033844},{"word":"to","start":757.53,"end":757.69,"confidence":0.9806609,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.368727445602417},{"word":"200","start":757.69,"end":758.17004,"confidence":0.9983927,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.33840513229370117},{"word":"companies","start":758.17004,"end":758.57,"confidence":0.99945074,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.29223906993865967},{"word":"in","start":758.57,"end":758.73004,"confidence":0.9970176,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2365979254245758},{"word":"australia","start":758.73004,"end":759.21,"confidence":0.8895638,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.266324520111084},{"word":"it","start":759.21,"end":759.29004,"confidence":0.999238,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.295215368270874},{"word":"is","start":759.29004,"end":759.45,"confidence":0.99963844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25431200861930847},{"word":"looking","start":759.45,"end":759.69,"confidence":0.99741864,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.33451971411705017},{"word":"at","start":759.69,"end":759.85004,"confidence":0.9952916,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.34454503655433655},{"word":"some","start":759.85004,"end":760.01,"confidence":0.99553657,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3876889944076538},{"word":"of","start":760.01,"end":760.09,"confidence":0.9126231,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3690045475959778},{"word":"the","start":760.09,"end":760.17004,"confidence":0.9963924,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3473060727119446},{"word":"top","start":760.17004,"end":760.41003,"confidence":0.98299,"punctuated_word":"top,","sentiment":"neutral","sentiment_score":0.29724055528640747},{"word":"but","start":760.41003,"end":760.57,"confidence":0.9966198,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2567196488380432},{"word":"it's","start":760.57,"end":760.73004,"confidence":0.9982958,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.33879804611206055},{"word":"also","start":760.73004,"end":761.05005,"confidence":0.9956084,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3581969738006592},{"word":"giving","start":761.05005,"end":761.29004,"confidence":0.9954751,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.3352358043193817},{"word":"you","start":761.29004,"end":761.45,"confidence":0.98921824,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.40767931938171387},{"word":"some","start":761.45,"end":761.715,"confidence":0.98600394,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.30137112736701965},{"word":"access","start":761.715,"end":761.875,"confidence":0.99251807,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.3400344252586365},{"word":"to","start":761.875,"end":762.03503,"confidence":0.99409074,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42258206009864807},{"word":"low","start":762.03503,"end":762.195,"confidence":0.98959374,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.3438072204589844},{"word":"and","start":762.195,"end":762.435,"confidence":0.94045234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2740232050418854},{"word":"mid","start":762.435,"end":762.67505,"confidence":0.99735487,"punctuated_word":"mid","sentiment":"neutral","sentiment_score":0.274461030960083},{"word":"cap","start":762.67505,"end":762.91504,"confidence":0.9543769,"punctuated_word":"cap","sentiment":"positive","sentiment_score":0.3461437523365021},{"word":"companies","start":762.91504,"end":763.41504,"confidence":0.9992659,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.31638631224632263},{"word":"we're","start":764.275,"end":764.59503,"confidence":0.8369725,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.36021286249160767},{"word":"replacing","start":764.59503,"end":765.09503,"confidence":0.9961427,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.2814791798591614},{"word":"benelong","start":765.23505,"end":765.715,"confidence":0.64683604,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.29902327060699463},{"word":"with","start":765.715,"end":765.875,"confidence":0.9990953,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32064127922058105},{"word":"the","start":765.875,"end":766.11505,"confidence":0.9938875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32434841990470886},{"word":"a","start":766.11505,"end":766.275,"confidence":0.9960949,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27399659156799316},{"word":"200","start":766.275,"end":766.91504,"confidence":0.98508155,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.2822270095348358},{"word":"which","start":766.91504,"end":767.155,"confidence":0.9998735,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.39368879795074463},{"word":"is","start":767.155,"end":767.315,"confidence":0.99883574,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.41444146633148193},{"word":"the","start":767.315,"end":767.47504,"confidence":0.9895331,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5202088952064514},{"word":"australian","start":767.47504,"end":767.955,"confidence":0.98784965,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.5087709426879883},{"word":"top","start":767.955,"end":768.195,"confidence":0.99359554,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.4497964680194855},{"word":"200","start":768.195,"end":768.755,"confidence":0.9996901,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.5280100107192993},{"word":"companies","start":768.755,"end":769.23505,"confidence":0.9991371,"punctuated_word":"companies","sentiment":"positive","sentiment_score":0.44734930992126465},{"word":"on","start":769.23505,"end":769.395,"confidence":0.997884,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5377730131149292},{"word":"the","start":769.395,"end":769.635,"confidence":0.9960873,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.511925995349884},{"word":"asx","start":769.635,"end":770.03503,"confidence":0.98214203,"punctuated_word":"ASX,","sentiment":"positive","sentiment_score":0.4784224927425385},{"word":"which","start":770.03503,"end":770.275,"confidence":0.9999199,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6204094886779785},{"word":"is","start":770.275,"end":770.435,"confidence":0.9996691,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7365314960479736},{"word":"great","start":770.435,"end":770.935,"confidence":0.9987136,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.722917914390564},{"word":"you'll","start":771.79504,"end":772.11505,"confidence":0.9944494,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.5484261512756348},{"word":"see","start":772.11505,"end":772.515,"confidence":0.99965155,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5337057113647461},{"word":"some","start":772.515,"end":772.755,"confidence":0.9973149,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5439222455024719},{"word":"global","start":772.755,"end":773.155,"confidence":0.96664095,"punctuated_word":"global","sentiment":"positive","sentiment_score":0.44940653443336487},{"word":"health","start":773.155,"end":773.47504,"confidence":0.92201036,"punctuated_word":"health","sentiment":"positive","sentiment_score":0.4419010579586029},{"word":"care","start":773.47504,"end":773.79504,"confidence":0.99737084,"punctuated_word":"care.","sentiment":"positive","sentiment_score":0.420546293258667},{"word":"health","start":773.79504,"end":774.11505,"confidence":0.98353124,"punctuated_word":"Health","sentiment":"neutral","sentiment_score":0.2633001208305359},{"word":"care","start":774.11505,"end":774.275,"confidence":0.9996582,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.29403504729270935},{"word":"is","start":774.275,"end":774.515,"confidence":0.9994287,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3161848187446594},{"word":"a","start":774.515,"end":774.59503,"confidence":0.9996536,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3482401371002197},{"word":"very","start":774.59503,"end":774.91504,"confidence":0.99994826,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.24365639686584473},{"word":"large","start":774.91504,"end":775.29,"confidence":0.9997104,"punctuated_word":"large","sentiment":"neutral","sentiment_score":0.322415828704834},{"word":"area","start":775.37,"end":775.69,"confidence":0.9462938,"punctuated_word":"area,","sentiment":"neutral","sentiment_score":0.2827776372432709},{"word":"and","start":775.69,"end":775.76996,"confidence":0.99941015,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19339826703071591},{"word":"it's","start":775.76996,"end":776.00995,"confidence":0.9988333,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.23800978064537048},{"word":"not","start":776.00995,"end":776.25,"confidence":0.9997224,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13688930869102478},{"word":"just","start":776.25,"end":776.57,"confidence":0.99838495,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12484440952539444},{"word":"looking","start":776.57,"end":776.97,"confidence":0.999632,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1820679306983948},{"word":"at","start":776.97,"end":777.29,"confidence":0.9833636,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.16167335212230682},{"word":"like","start":777.29,"end":777.69,"confidence":0.9946175,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14149799942970276},{"word":"doctor","start":777.69,"end":778.17,"confidence":0.6341226,"punctuated_word":"doctor","sentiment":"neutral","sentiment_score":0.09443166106939316},{"word":"surgeries","start":778.17,"end":778.57,"confidence":0.7460105,"punctuated_word":"surgeries","sentiment":"neutral","sentiment_score":0.1805509626865387},{"word":"and","start":778.57,"end":778.81,"confidence":0.92850876,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20494608581066132},{"word":"hospitals","start":778.81,"end":779.20996,"confidence":0.98859847,"punctuated_word":"hospitals","sentiment":"neutral","sentiment_score":0.14952605962753296},{"word":"and","start":779.20996,"end":779.37,"confidence":0.9918017,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13309845328330994},{"word":"things","start":779.37,"end":779.61,"confidence":0.99991035,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10714605450630188},{"word":"like","start":779.61,"end":779.76996,"confidence":0.99951696,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1175631731748581},{"word":"that","start":779.76996,"end":779.93,"confidence":0.9758672,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18967151641845703},{"word":"it's","start":779.93,"end":780.17,"confidence":0.99941456,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19378416240215304},{"word":"also","start":780.17,"end":780.49,"confidence":0.99599767,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1906980872154236},{"word":"looking","start":780.49,"end":780.81,"confidence":0.99956816,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.19638478755950928},{"word":"at","start":780.81,"end":780.97,"confidence":0.98282903,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.180980920791626},{"word":"the","start":780.97,"end":781.20996,"confidence":0.9998803,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20125745236873627},{"word":"it","start":781.20996,"end":781.52997,"confidence":0.99469995,"punctuated_word":"IT","sentiment":"neutral","sentiment_score":0.19216278195381165},{"word":"sector","start":781.52997,"end":781.85,"confidence":0.9970515,"punctuated_word":"sector","sentiment":"neutral","sentiment_score":0.1368316411972046},{"word":"within","start":781.85,"end":782.17,"confidence":0.99980015,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.14862966537475586},{"word":"health","start":782.17,"end":782.32996,"confidence":0.9899686,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.17247670888900757},{"word":"care","start":782.32996,"end":782.49,"confidence":0.9992378,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.23265598714351657},{"word":"and","start":782.49,"end":782.73,"confidence":0.9897765,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21153439581394196},{"word":"the","start":782.73,"end":782.88995,"confidence":0.9987834,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24908924102783203},{"word":"robotics","start":782.88995,"end":783.38995,"confidence":0.9992054,"punctuated_word":"robotics","sentiment":"neutral","sentiment_score":0.2258070707321167},{"word":"around","start":783.44995,"end":783.69,"confidence":0.99914515,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.25902193784713745},{"word":"that","start":783.69,"end":783.93,"confidence":0.9986721,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21078667044639587},{"word":"sort","start":783.93,"end":784.17,"confidence":0.64072615,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13126404583454132},{"word":"of","start":784.17,"end":784.25,"confidence":0.99440986,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22097373008728027},{"word":"things","start":784.25,"end":784.57,"confidence":0.991736,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.22704291343688965},{"word":"as","start":784.57,"end":784.64996,"confidence":0.9998988,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3150675594806671},{"word":"well","start":784.64996,"end":784.97,"confidence":0.97285914,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.27402547001838684},{"word":"so","start":784.97,"end":785.47,"confidence":0.999395,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25842219591140747},{"word":"global","start":786.25,"end":786.64996,"confidence":0.8579233,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.32708972692489624},{"word":"health","start":786.64996,"end":786.88995,"confidence":0.987751,"punctuated_word":"health","sentiment":"positive","sentiment_score":0.40425074100494385},{"word":"care","start":786.88995,"end":787.13,"confidence":0.99892753,"punctuated_word":"care","sentiment":"positive","sentiment_score":0.38406068086624146},{"word":"is","start":787.13,"end":787.29,"confidence":0.9906019,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3967238962650299},{"word":"an","start":787.29,"end":787.44995,"confidence":0.9964575,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4607354700565338},{"word":"area","start":787.44995,"end":787.76996,"confidence":0.9993197,"punctuated_word":"area","sentiment":"positive","sentiment_score":0.4210192859172821},{"word":"to","start":787.76996,"end":787.93,"confidence":0.98483026,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43631845712661743},{"word":"see","start":787.93,"end":788.08997,"confidence":0.9852298,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4486598670482635},{"word":"growth","start":788.08997,"end":788.41,"confidence":0.9978739,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5277916193008423},{"word":"in","start":788.41,"end":788.895,"confidence":0.99306566,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.42926162481307983},{"word":"you'll","start":789.375,"end":789.615,"confidence":0.99874014,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.3742438554763794},{"word":"still","start":789.615,"end":789.935,"confidence":0.99924856,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3850317597389221},{"word":"see","start":789.935,"end":790.17505,"confidence":0.99953496,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.36811548471450806},{"word":"some","start":790.17505,"end":790.41504,"confidence":0.9998196,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.35714465379714966},{"word":"of","start":790.41504,"end":790.575,"confidence":0.9998392,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39515888690948486},{"word":"the","start":790.575,"end":790.815,"confidence":0.9862765,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45815008878707886},{"word":"jpmorgan","start":790.815,"end":791.315,"confidence":0.8321838,"punctuated_word":"JPMorgan","sentiment":"neutral","sentiment_score":0.31216666102409363},{"word":"global","start":791.53503,"end":791.935,"confidence":0.6343569,"punctuated_word":"Global","sentiment":"positive","sentiment_score":0.33414486050605774},{"word":"research","start":791.935,"end":792.41504,"confidence":0.952253,"punctuated_word":"Research","sentiment":"positive","sentiment_score":0.4212285578250885},{"word":"enhanced","start":792.41504,"end":792.815,"confidence":0.683489,"punctuated_word":"enhanced","sentiment":"positive","sentiment_score":0.5392773747444153},{"word":"equity","start":792.815,"end":793.135,"confidence":0.99654895,"punctuated_word":"equity","sentiment":"positive","sentiment_score":0.4497460722923279},{"word":"funds","start":793.135,"end":793.455,"confidence":0.6835904,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.02400684915482998},{"word":"they're","start":793.455,"end":793.615,"confidence":0.99218565,"punctuated_word":"They're","sentiment":"positive","sentiment_score":0.4838441610336304},{"word":"giving","start":793.615,"end":793.85504,"confidence":0.99918216,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.5473562479019165},{"word":"you","start":793.85504,"end":794.09503,"confidence":0.9956468,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5086441040039062},{"word":"access","start":794.09503,"end":794.495,"confidence":0.9997526,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.44325149059295654},{"word":"to","start":794.495,"end":794.655,"confidence":0.99449474,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5021086931228638},{"word":"global","start":794.655,"end":795.155,"confidence":0.9986008,"punctuated_word":"global","sentiment":"positive","sentiment_score":0.5681121945381165},{"word":"investments","start":795.455,"end":795.955,"confidence":0.99564904,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.43960040807724},{"word":"that","start":796.015,"end":796.335,"confidence":0.99620783,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5409154295921326},{"word":"have","start":796.335,"end":796.73505,"confidence":0.97387516,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5148122310638428},{"word":"up","start":796.73505,"end":796.895,"confidence":0.95336217,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.49132347106933594},{"word":"and","start":796.895,"end":797.055,"confidence":0.99769336,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4707953929901123},{"word":"coming","start":797.055,"end":797.455,"confidence":0.9996278,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.4640955626964569},{"word":"or","start":797.455,"end":797.615,"confidence":0.9883631,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.39916279911994934},{"word":"have","start":797.615,"end":797.85504,"confidence":0.86783594,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4962457418441773},{"word":"can","start":798.09503,"end":798.335,"confidence":0.99232787,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5368265509605408},{"word":"show","start":798.335,"end":798.575,"confidence":0.99862266,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.6065782904624939},{"word":"growth","start":798.575,"end":799.075,"confidence":0.81383437,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.575176477432251},{"word":"and","start":799.135,"end":799.455,"confidence":0.99964786,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5873255133628845},{"word":"jpmorgan","start":799.455,"end":799.955,"confidence":0.97800684,"punctuated_word":"JPMorgan","sentiment":"positive","sentiment_score":0.7632713317871094},{"word":"is","start":800.17505,"end":800.335,"confidence":0.9995134,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7847115993499756},{"word":"a","start":800.335,"end":800.41504,"confidence":0.9992867,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8264675736427307},{"word":"great","start":800.41504,"end":800.73505,"confidence":0.99996924,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.8419987559318542},{"word":"research","start":800.73505,"end":801.23505,"confidence":0.9995913,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.8414902687072754},{"word":"tool","start":801.24,"end":801.48,"confidence":0.9974649,"punctuated_word":"tool","sentiment":"positive","sentiment_score":0.804805338382721},{"word":"to","start":801.48,"end":801.72,"confidence":0.9997217,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7931104302406311},{"word":"utilize","start":801.72,"end":802.2,"confidence":0.7694403,"punctuated_word":"utilize,","sentiment":"positive","sentiment_score":0.7241731882095337},{"word":"so","start":802.2,"end":802.44,"confidence":0.9991411,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7392213940620422},{"word":"that","start":802.44,"end":802.68,"confidence":0.9998896,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8102419376373291},{"word":"investment","start":802.68,"end":803.18,"confidence":0.99961346,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.6966606974601746},{"word":"has","start":803.24,"end":803.48,"confidence":0.9980946,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.7434935569763184},{"word":"seen","start":803.48,"end":803.72,"confidence":0.73271435,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.790618896484375},{"word":"some","start":803.72,"end":803.88,"confidence":0.99861896,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.7348887920379639},{"word":"good","start":803.88,"end":804.2,"confidence":0.9995974,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7583763003349304},{"word":"growth","start":804.2,"end":804.44,"confidence":0.8803886,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.712745189666748},{"word":"and","start":804.44,"end":804.68,"confidence":0.9998648,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.592388927936554},{"word":"we'll","start":804.68,"end":804.92,"confidence":0.99789345,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.6825907230377197},{"word":"continue","start":804.92,"end":805.39996,"confidence":0.999863,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.6802729368209839},{"word":"to","start":805.39996,"end":805.48,"confidence":0.99851674,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7284636497497559},{"word":"see","start":805.48,"end":805.64,"confidence":0.98582584,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.7482013702392578},{"word":"that","start":805.64,"end":806.14,"confidence":0.99935246,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5748946070671082},{"word":"and","start":807.08,"end":807.32,"confidence":0.8011628,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1891451925039291},{"word":"with","start":807.32,"end":807.64,"confidence":0.99627906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24670478701591492},{"word":"defensive","start":807.64,"end":808.12,"confidence":0.9888524,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.16891556978225708},{"word":"assets","start":808.12,"end":808.44,"confidence":0.84156656,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.1960989534854889},{"word":"because","start":808.44,"end":808.68,"confidence":0.9990558,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1957869529724121},{"word":"i","start":808.68,"end":808.83997,"confidence":0.98316675,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20932239294052124},{"word":"mentioned","start":808.83997,"end":809.16,"confidence":0.94686997,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.14791689813137054},{"word":"we're","start":809.16,"end":809.39996,"confidence":0.7776972,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1724613606929779},{"word":"moving","start":809.39996,"end":809.64,"confidence":0.99855775,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.15872550010681152},{"word":"the","start":809.64,"end":809.8,"confidence":0.99187475,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1412166953086853},{"word":"bank","start":809.8,"end":810.12,"confidence":0.96073174,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.1474909484386444},{"word":"hybrids","start":810.12,"end":810.52,"confidence":0.6991249,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.10400597751140594},{"word":"out","start":810.52,"end":810.68,"confidence":0.8277925,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.12121236324310304},{"word":"we're","start":810.68,"end":810.83997,"confidence":0.99851155,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.16331253945827484},{"word":"gonna","start":810.83997,"end":811.08,"confidence":0.99869734,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1965632736682892},{"word":"put","start":811.08,"end":811.24,"confidence":0.999119,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.17531077563762665},{"word":"you","start":811.24,"end":811.39996,"confidence":0.9995177,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2043415606021881},{"word":"into","start":811.39996,"end":811.64,"confidence":0.897803,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18087145686149597},{"word":"core","start":811.64,"end":811.88,"confidence":0.96867687,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.11737526953220367},{"word":"composite","start":811.88,"end":812.38,"confidence":0.9840037,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.12649743258953094},{"word":"bonds","start":812.44,"end":812.76,"confidence":0.9949181,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.1294669657945633},{"word":"to","start":812.76,"end":812.92,"confidence":0.9815423,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14935490489006042},{"word":"still","start":812.92,"end":813.16,"confidence":0.99976605,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1828496754169464},{"word":"make","start":813.16,"end":813.32,"confidence":0.99975795,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2087992876768112},{"word":"sure","start":813.32,"end":813.48,"confidence":0.99983215,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.19592460989952087},{"word":"you","start":813.48,"end":813.72,"confidence":0.999564,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2704920470714569},{"word":"do","start":813.72,"end":813.88,"confidence":0.99672157,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20967265963554385},{"word":"have","start":813.88,"end":814.12,"confidence":0.997004,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.211013987660408},{"word":"some","start":814.12,"end":814.44,"confidence":0.9452119,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.19680708646774292},{"word":"defensive","start":814.44,"end":814.94,"confidence":0.99909997,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.12782001495361328},{"word":"investments","start":815.08,"end":815.58,"confidence":0.9774417,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.14943481981754303},{"word":"these","start":816.155,"end":816.315,"confidence":0.7266921,"punctuated_word":"These","sentiment":"neutral","sentiment_score":0.2365184724330902},{"word":"core","start":816.315,"end":816.715,"confidence":0.8049642,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.16520439088344574},{"word":"composite","start":816.715,"end":817.03503,"confidence":0.9969945,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.24522753059864044},{"word":"bonds","start":817.03503,"end":817.35504,"confidence":0.9980475,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.2381160408258438},{"word":"are","start":817.35504,"end":817.515,"confidence":0.9790756,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2220613658428192},{"word":"giving","start":817.515,"end":817.755,"confidence":0.9995566,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.31052860617637634},{"word":"you","start":817.755,"end":817.995,"confidence":0.99950004,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30126315355300903},{"word":"access","start":817.995,"end":818.395,"confidence":0.99979466,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.28506579995155334},{"word":"to","start":818.395,"end":818.635,"confidence":0.99681526,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2805967628955841},{"word":"government","start":818.635,"end":819.11505,"confidence":0.9058104,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.2812763452529907},{"word":"bonds","start":819.11505,"end":819.435,"confidence":0.9985372,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.25936681032180786},{"word":"but","start":819.435,"end":819.59503,"confidence":0.48894492,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2840668559074402},{"word":"also","start":819.59503,"end":819.91504,"confidence":0.9514206,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2127135694026947},{"word":"corporate","start":819.91504,"end":820.395,"confidence":0.9892237,"punctuated_word":"corporate","sentiment":"neutral","sentiment_score":0.22223374247550964},{"word":"bonds","start":820.395,"end":820.715,"confidence":0.7958218,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.2361259013414383},{"word":"there","start":820.715,"end":820.955,"confidence":0.9978891,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3198278248310089},{"word":"as","start":820.955,"end":821.03503,"confidence":0.99986255,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31048116087913513},{"word":"well","start":821.03503,"end":821.53503,"confidence":0.7576356,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.3261685371398926},{"word":"and","start":821.755,"end":821.995,"confidence":0.83548087,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4151313304901123},{"word":"bonds","start":821.995,"end":822.315,"confidence":0.98999584,"punctuated_word":"bonds","sentiment":"positive","sentiment_score":0.4805048406124115},{"word":"are","start":822.315,"end":822.395,"confidence":0.9900547,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4493960440158844},{"word":"great","start":822.395,"end":822.635,"confidence":0.9976459,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6315979361534119},{"word":"for","start":822.635,"end":822.79504,"confidence":0.986054,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5310458540916443},{"word":"income","start":822.79504,"end":823.11505,"confidence":0.9886119,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.6099340915679932},{"word":"producing","start":823.11505,"end":823.59503,"confidence":0.8289838,"punctuated_word":"producing,","sentiment":"positive","sentiment_score":0.48199090361595154},{"word":"which","start":823.59503,"end":823.835,"confidence":0.99920756,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4697912931442261},{"word":"helps","start":823.835,"end":824.155,"confidence":0.99252045,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.4953218698501587},{"word":"the","start":824.155,"end":824.23505,"confidence":0.9891699,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44042062759399414},{"word":"compounding","start":824.23505,"end":824.73505,"confidence":0.9986886,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.4521999061107635},{"word":"effect","start":824.79504,"end":825.11505,"confidence":0.97622573,"punctuated_word":"effect","sentiment":"positive","sentiment_score":0.5699619054794312},{"word":"of","start":825.11505,"end":825.275,"confidence":0.9970523,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4768793880939483},{"word":"your","start":825.275,"end":825.515,"confidence":0.9996331,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4603148400783539},{"word":"portfolio","start":825.515,"end":826.015,"confidence":0.9520342,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.3390466570854187},{"word":"so","start":826.23505,"end":826.635,"confidence":0.99817216,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.101747065782547},{"word":"i","start":826.635,"end":826.79504,"confidence":0.99247897,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10123877972364426},{"word":"know","start":826.79504,"end":826.955,"confidence":0.99975675,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0858188346028328},{"word":"that's","start":826.955,"end":827.195,"confidence":0.9978492,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06146842986345291},{"word":"a","start":827.195,"end":827.275,"confidence":0.9987274,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03969185799360275},{"word":"lot","start":827.275,"end":827.515,"confidence":0.99535215,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.02353665605187416},{"word":"to","start":827.515,"end":827.67505,"confidence":0.9940586,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02056583017110825},{"word":"kinda","start":827.67505,"end":827.995,"confidence":0.9730137,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04766075685620308},{"word":"go","start":827.995,"end":828.23505,"confidence":0.9935207,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06232568621635437},{"word":"through","start":828.23505,"end":828.47504,"confidence":0.9072769,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.05781515687704086},{"word":"i","start":828.47504,"end":828.635,"confidence":0.99700075,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022504255175590515},{"word":"try","start":828.635,"end":828.875,"confidence":0.9426684,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.01695915125310421},{"word":"to","start":828.875,"end":829.03503,"confidence":0.99434197,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009478718042373655},{"word":"make","start":829.03503,"end":829.195,"confidence":0.99976236,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.011991111561655998},{"word":"it","start":829.195,"end":829.38,"confidence":0.9957059,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014491721987724304},{"word":"fairly","start":829.46,"end":829.86,"confidence":0.998283,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.01704103872179985},{"word":"basic","start":829.86,"end":830.26,"confidence":0.8339205,"punctuated_word":"basic,","sentiment":"neutral","sentiment_score":0.012762274593114851},{"word":"but","start":830.26,"end":830.5,"confidence":0.9996301,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.009336885996162891},{"word":"when","start":830.5,"end":830.66003,"confidence":0.9996131,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.006230232305824757},{"word":"you","start":830.66003,"end":830.74,"confidence":0.99977785,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0056153591722249985},{"word":"have","start":830.74,"end":830.86,"confidence":0.99983394,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.004106402397155762},{"word":"a","start":830.86,"end":830.98,"confidence":0.99918205,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004900579806417227},{"word":"look","start":830.98,"end":831.22003,"confidence":0.9998822,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.008529141545295715},{"word":"at","start":831.22003,"end":831.3,"confidence":0.9733016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017254777252674103},{"word":"the","start":831.3,"end":831.46,"confidence":0.9972899,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02078980393707752},{"word":"document","start":831.46,"end":831.94,"confidence":0.9930649,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.021463336423039436},{"word":"you'll","start":831.94,"end":832.34,"confidence":0.9998699,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.023084234446287155},{"word":"see","start":832.34,"end":832.58,"confidence":0.9994204,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02366936206817627},{"word":"what","start":832.58,"end":832.82,"confidence":0.9989229,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011121011339128016},{"word":"i'm","start":832.82,"end":832.9,"confidence":0.999859,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.007572861388325691},{"word":"talking","start":832.9,"end":833.22003,"confidence":0.99988925,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.009360515512526035},{"word":"about","start":833.22003,"end":833.54,"confidence":0.9997055,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.001562010496854782},{"word":"with","start":833.54,"end":833.62,"confidence":0.99958223,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.009828612208366394},{"word":"those","start":833.62,"end":833.94,"confidence":0.99949265,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.014990611001849174},{"word":"investments","start":833.94,"end":834.44,"confidence":0.98467445,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.015481210313737392},{"word":"yeah","start":835.06,"end":835.56,"confidence":0.9942263,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11754731088876724},{"word":"if","start":835.78,"end":835.94,"confidence":0.9969405,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19134947657585144},{"word":"you","start":835.94,"end":836.1,"confidence":0.99960166,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14684733748435974},{"word":"find","start":836.1,"end":836.42,"confidence":0.9958395,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.15310336649417877},{"word":"you","start":836.42,"end":836.58,"confidence":0.96180946,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15496964752674103},{"word":"have","start":836.58,"end":836.9,"confidence":0.99974185,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15257099270820618},{"word":"questions","start":836.9,"end":837.3,"confidence":0.99879444,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1537379026412964},{"word":"you're","start":837.3,"end":837.54,"confidence":0.9998354,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2104560136795044},{"word":"welcome","start":837.54,"end":837.94,"confidence":0.99960274,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.27015048265457153},{"word":"to","start":837.94,"end":838.1,"confidence":0.99976915,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22028572857379913},{"word":"let","start":838.1,"end":838.26,"confidence":0.99992526,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.19259820878505707},{"word":"me","start":838.26,"end":838.42,"confidence":0.9998795,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17117691040039062},{"word":"know","start":838.42,"end":838.92,"confidence":0.96737325,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1998574137687683},{"word":"and","start":839.22003,"end":839.46,"confidence":0.6501632,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15034833550453186},{"word":"in","start":839.46,"end":839.62,"confidence":0.99944264,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14327530562877655},{"word":"the","start":839.62,"end":839.94,"confidence":0.99954444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15247640013694763},{"word":"appendix","start":839.94,"end":840.44,"confidence":0.9986008,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.12216444313526154},{"word":"in","start":840.5,"end":840.66003,"confidence":0.9874808,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09667770564556122},{"word":"there","start":840.66003,"end":840.98,"confidence":0.99599224,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11167190223932266},{"word":"we","start":840.98,"end":841.22003,"confidence":0.97836417,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16246280074119568},{"word":"do","start":841.22003,"end":841.38,"confidence":0.99846673,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15567868947982788},{"word":"also","start":841.38,"end":841.62,"confidence":0.99722385,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10820133984088898},{"word":"have","start":841.62,"end":841.78,"confidence":0.9996977,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13211171329021454},{"word":"links","start":841.78,"end":842.1,"confidence":0.99711764,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.11868704110383987},{"word":"to","start":842.1,"end":842.26,"confidence":0.99614114,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13258258998394012},{"word":"the","start":842.26,"end":842.42,"confidence":0.99969435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09554798901081084},{"word":"pdfs","start":842.42,"end":842.92,"confidence":0.7514377,"punctuated_word":"PDFs","sentiment":"neutral","sentiment_score":0.09304308891296388},{"word":"and","start":843.14,"end":843.38,"confidence":0.83980244,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07540348172187805},{"word":"the","start":843.38,"end":843.54,"confidence":0.9980452,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07862567156553268},{"word":"investment","start":843.54,"end":844.04,"confidence":0.9975319,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.052148085087537766},{"word":"information","start":844.425,"end":844.745,"confidence":0.7889478,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.1174505650997162},{"word":"so","start":844.745,"end":845.065,"confidence":0.99926835,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1517011970281601},{"word":"you're","start":845.065,"end":845.225,"confidence":0.99945265,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13853906095027924},{"word":"welcome","start":845.225,"end":845.545,"confidence":0.9993475,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.19083388149738312},{"word":"to","start":845.545,"end":845.705,"confidence":0.9991333,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16257332265377045},{"word":"always","start":845.705,"end":846.025,"confidence":0.9994481,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.21251793205738068},{"word":"open","start":846.025,"end":846.345,"confidence":0.9978758,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.14276547729969025},{"word":"those","start":846.345,"end":846.505,"confidence":0.99865854,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.18461015820503235},{"word":"links","start":846.505,"end":846.825,"confidence":0.9970221,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.12480311840772627},{"word":"and","start":846.825,"end":846.985,"confidence":0.9957145,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14425483345985413},{"word":"have","start":846.985,"end":847.105,"confidence":0.9998227,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15967637300491333},{"word":"a","start":847.105,"end":847.225,"confidence":0.9985421,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1675386279821396},{"word":"look","start":847.225,"end":847.465,"confidence":0.9997938,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12652884423732758},{"word":"at","start":847.465,"end":847.625,"confidence":0.9984723,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17464807629585266},{"word":"it","start":847.625,"end":847.785,"confidence":0.9954619,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12875092029571533},{"word":"as","start":847.785,"end":847.945,"confidence":0.99968815,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1073845773935318},{"word":"well","start":847.945,"end":848.445,"confidence":0.9996315,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09104657173156738},{"word":"okay","start":850.025,"end":850.265,"confidence":0.89725417,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11145207285881042},{"word":"perfect","start":850.265,"end":850.765,"confidence":0.98044133,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2602333128452301},{"word":"so","start":851.225,"end":851.465,"confidence":0.86357737,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08106499910354614},{"word":"essentially","start":851.465,"end":851.945,"confidence":0.99859285,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.07497717440128326},{"word":"with","start":851.945,"end":852.185,"confidence":0.99900025,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08779552578926086},{"word":"this","start":852.185,"end":852.345,"confidence":0.99816823,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05903609097003937},{"word":"one","start":852.345,"end":852.585,"confidence":0.9121848,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06266050040721893},{"word":"here","start":852.585,"end":852.745,"confidence":0.9869386,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.06738932430744171},{"word":"we","start":852.745,"end":852.90497,"confidence":0.9989641,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06305813044309616},{"word":"are","start":852.90497,"end":853.065,"confidence":0.9988257,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.058030322194099426},{"word":"looking","start":853.065,"end":853.465,"confidence":0.9990188,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07141788303852081},{"word":"to","start":853.465,"end":853.545,"confidence":0.99582577,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.060483187437057495},{"word":"just","start":853.545,"end":854.045,"confidence":0.97461605,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.059402383863925934},{"word":"alter","start":854.265,"end":854.585,"confidence":0.92421746,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.06709647923707962},{"word":"the","start":854.585,"end":854.745,"confidence":0.98545176,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05107474699616432},{"word":"underlying","start":854.745,"end":855.245,"confidence":0.99550444,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.057890646159648895},{"word":"portfolio","start":855.305,"end":855.805,"confidence":0.9961803,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.02433553710579872},{"word":"there","start":856.025,"end":856.525,"confidence":0.6382085,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03879009187221527},{"word":"start","start":856.585,"end":856.825,"confidence":0.8430526,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.042465854436159134},{"word":"the","start":856.825,"end":856.90497,"confidence":0.8635462,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05339137464761734},{"word":"salary","start":856.90497,"end":857.40497,"confidence":0.9745949,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.043569814413785934},{"word":"sacrifice","start":857.75,"end":857.91,"confidence":0.20873141,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.017399251461029053},{"word":"of","start":857.91,"end":858.07,"confidence":0.78693783,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030031464993953705},{"word":"$50","start":858.07,"end":858.63,"confidence":0.99882257,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.048673197627067566},{"word":"on","start":858.63,"end":858.79,"confidence":0.99936515,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.053794875741004944},{"word":"a","start":858.79,"end":858.87,"confidence":0.99920636,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04201267287135124},{"word":"weekly","start":858.87,"end":859.26996,"confidence":0.9996904,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.036247774958610535},{"word":"basis","start":859.26996,"end":859.67,"confidence":0.9993261,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.06114410609006882},{"word":"there","start":859.67,"end":859.91,"confidence":0.9090871,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.057403795421123505},{"word":"and","start":859.91,"end":860.41,"confidence":0.56419003,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030414624139666557},{"word":"and","start":860.63,"end":860.79,"confidence":0.8387375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02872145175933838},{"word":"make","start":860.79,"end":860.95,"confidence":0.9862119,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03015095368027687},{"word":"sure","start":860.95,"end":861.45,"confidence":0.9991868,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.033932171761989594},{"word":"we","start":861.67,"end":861.75,"confidence":0.992161,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04025322198867798},{"word":"have","start":861.75,"end":861.82996,"confidence":0.24674289,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.034141406416893005},{"word":"24","start":861.82996,"end":862.73,"confidence":0.9808228,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.04760393500328064},{"word":"it's","start":863.02997,"end":863.26996,"confidence":0.9117384,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0592513345181942},{"word":"important","start":863.26996,"end":863.67,"confidence":0.99990296,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.032056279480457306},{"word":"to","start":863.67,"end":863.82996,"confidence":0.9996766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05567026883363724},{"word":"make","start":863.82996,"end":863.99,"confidence":0.9998018,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05558963119983673},{"word":"you","start":863.99,"end":864.14996,"confidence":0.9994392,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06653113663196564},{"word":"aware","start":864.14996,"end":864.38995,"confidence":0.99993765,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.053018540143966675},{"word":"that","start":864.38995,"end":864.55,"confidence":0.9419053,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1366210579872131},{"word":"obviously","start":864.55,"end":864.95,"confidence":0.99964833,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1495814025402069},{"word":"this","start":864.95,"end":865.19,"confidence":0.9996817,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2051267921924591},{"word":"is","start":865.19,"end":865.35,"confidence":0.9985985,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20036369562149048},{"word":"providing","start":865.35,"end":865.75,"confidence":0.9995011,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.2832179069519043},{"word":"a","start":865.75,"end":865.91,"confidence":0.99786407,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2715645730495453},{"word":"greater","start":865.91,"end":866.23,"confidence":0.99786395,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.2164549231529236},{"word":"benefit","start":866.23,"end":866.63,"confidence":0.9724914,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.2838456630706787},{"word":"you're","start":866.63,"end":866.87,"confidence":0.99924374,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.27931541204452515},{"word":"gonna","start":866.87,"end":867.11,"confidence":0.99857116,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.34010589122772217},{"word":"be","start":867.11,"end":867.19,"confidence":0.998539,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3076246380805969},{"word":"in","start":867.19,"end":867.35,"confidence":0.99505806,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28240838646888733},{"word":"a","start":867.35,"end":867.43,"confidence":0.99772483,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2830253839492798},{"word":"high","start":867.43,"end":867.67,"confidence":0.9166756,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2631511986255646},{"word":"growth","start":867.67,"end":867.99,"confidence":0.9880938,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.27888786792755127},{"word":"portfolio","start":867.99,"end":868.49,"confidence":0.90973246,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.15831205248832703},{"word":"which","start":868.55,"end":868.87,"confidence":0.99293536,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.16745597124099731},{"word":"has","start":868.87,"end":869.11,"confidence":0.924906,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1707475483417511},{"word":"seen","start":869.11,"end":869.51,"confidence":0.8927199,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.22933438420295715},{"word":"over","start":869.51,"end":869.67,"confidence":0.9252795,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1901475489139557},{"word":"the","start":869.67,"end":869.82996,"confidence":0.9991328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1728237271308899},{"word":"last","start":869.82996,"end":870.14996,"confidence":0.9988237,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.15513551235198977},{"word":"utilizing","start":870.14996,"end":870.63,"confidence":0.8145643,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":0.14474819600582123},{"word":"a","start":870.63,"end":870.79,"confidence":0.9357037,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.153311088681221},{"word":"three","start":870.79,"end":871.02997,"confidence":0.99830973,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.12261601537466048},{"word":"year","start":871.02997,"end":871.19,"confidence":0.9986829,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1519271731376648},{"word":"rolling","start":871.19,"end":871.58997,"confidence":0.9996306,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.146959125995636},{"word":"average","start":871.58997,"end":871.82996,"confidence":0.8961369,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":0.1521347463130951},{"word":"and","start":871.82996,"end":871.99,"confidence":0.9960848,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14265219867229462},{"word":"we","start":871.99,"end":872.14996,"confidence":0.9982498,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16441649198532104},{"word":"have","start":872.14996,"end":872.385,"confidence":0.97702515,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16621403396129608},{"word":"to","start":872.385,"end":872.545,"confidence":0.92399347,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13584426045417786},{"word":"use","start":872.545,"end":872.705,"confidence":0.9963819,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.15559345483779907},{"word":"a","start":872.705,"end":872.78503,"confidence":0.97064394,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14235875010490415},{"word":"three","start":872.78503,"end":873.025,"confidence":0.99892694,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1299024224281311},{"word":"year","start":873.025,"end":873.265,"confidence":0.9853616,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.17735663056373596},{"word":"for","start":873.265,"end":873.505,"confidence":0.9979918,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14433898031711578},{"word":"this","start":873.505,"end":873.66504,"confidence":0.9998363,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15685886144638062},{"word":"one","start":873.66504,"end":873.905,"confidence":0.9986878,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13993723690509796},{"word":"because","start":873.905,"end":874.405,"confidence":0.8675396,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12630486488342285},{"word":"the","start":874.945,"end":875.105,"confidence":0.630691,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12215061485767365},{"word":"bank","start":875.105,"end":875.34503,"confidence":0.83119065,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.12083711475133896},{"word":"hybrids","start":875.34503,"end":875.745,"confidence":0.6515369,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.1411987543106079},{"word":"haven't","start":875.745,"end":876.145,"confidence":0.99755764,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.13624028861522677},{"word":"shown","start":876.145,"end":876.385,"confidence":0.98434097,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":0.17009368538856506},{"word":"a","start":876.385,"end":876.545,"confidence":0.9877836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14783655107021332},{"word":"five","start":876.545,"end":876.78503,"confidence":0.99900824,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.15524283051490784},{"word":"year","start":876.78503,"end":877.025,"confidence":0.9980217,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.14520110189914703},{"word":"rolling","start":877.025,"end":877.425,"confidence":0.99972576,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.1318795084953308},{"word":"average","start":877.425,"end":877.905,"confidence":0.9888357,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.12846451997756958},{"word":"so","start":877.905,"end":878.405,"confidence":0.9991314,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20183272659778595},{"word":"when","start":879.025,"end":879.265,"confidence":0.97136444,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.29275602102279663},{"word":"we","start":879.265,"end":879.505,"confidence":0.9998142,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23077808320522308},{"word":"kind","start":879.505,"end":879.66504,"confidence":0.99232227,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2799014747142792},{"word":"of","start":879.66504,"end":879.825,"confidence":0.9997516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25544142723083496},{"word":"look","start":879.825,"end":879.985,"confidence":0.9965612,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.247591495513916},{"word":"at","start":879.985,"end":880.065,"confidence":0.9996037,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2708940804004669},{"word":"that","start":880.065,"end":880.305,"confidence":0.99586016,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.26237374544143677},{"word":"the","start":880.305,"end":880.465,"confidence":0.9952478,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39395785331726074},{"word":"newer","start":880.465,"end":880.78503,"confidence":0.85138416,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.3523576259613037},{"word":"high","start":880.78503,"end":880.945,"confidence":0.9746415,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.37079501152038574},{"word":"growth","start":880.945,"end":881.265,"confidence":0.970236,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4732985496520996},{"word":"portfolio","start":881.265,"end":881.765,"confidence":0.99778384,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.30352115631103516},{"word":"has","start":881.825,"end":882.145,"confidence":0.9989712,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3406420052051544},{"word":"been","start":882.145,"end":882.305,"confidence":0.63800174,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.3921826183795929},{"word":"greater","start":882.305,"end":882.78503,"confidence":0.93946385,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.35186415910720825},{"word":"returns","start":882.78503,"end":883.28503,"confidence":0.968809,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.47673654556274414},{"word":"utilizing","start":883.66504,"end":884.16504,"confidence":0.3824964,"punctuated_word":"utilizing","sentiment":"positive","sentiment_score":0.36971861124038696},{"word":"the","start":884.305,"end":884.465,"confidence":0.97630227,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34022852778434753},{"word":"past","start":884.465,"end":884.705,"confidence":0.99842393,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.33201974630355835},{"word":"three","start":884.705,"end":885.025,"confidence":0.998618,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.2786503732204437},{"word":"roll","start":885.025,"end":885.265,"confidence":0.7668067,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.3053329586982727},{"word":"year","start":885.505,"end":885.745,"confidence":0.98969907,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2496076673269272},{"word":"rolling","start":885.745,"end":886.145,"confidence":0.9994128,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.27078041434288025},{"word":"average","start":886.145,"end":886.465,"confidence":0.8857915,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":0.3134264349937439},{"word":"sorry","start":886.465,"end":886.965,"confidence":0.9949598,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.28601041436195374},{"word":"which","start":887.22,"end":887.45996,"confidence":0.98473954,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3684888780117035},{"word":"can","start":887.45996,"end":887.62,"confidence":0.9866419,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3651045560836792},{"word":"put","start":887.62,"end":887.86,"confidence":0.48201492,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.40531930327415466},{"word":"you","start":887.86,"end":888.01996,"confidence":0.81036854,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4757993221282959},{"word":"in","start":888.01996,"end":888.18,"confidence":0.9909474,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4543597400188446},{"word":"a","start":888.18,"end":888.33997,"confidence":0.9848926,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4462035596370697},{"word":"position","start":888.33997,"end":888.66,"confidence":0.9997366,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.4942917227745056},{"word":"to","start":888.66,"end":888.89996,"confidence":0.9747863,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.422509491443634},{"word":"get","start":888.89996,"end":889.13995,"confidence":0.9305904,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.42471715807914734},{"word":"greater","start":889.13995,"end":889.45996,"confidence":0.9971733,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.3380671441555023},{"word":"potential","start":889.45996,"end":889.94,"confidence":0.99928254,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.417110800743103},{"word":"returns","start":889.94,"end":890.33997,"confidence":0.9977088,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.4452349543571472},{"word":"as","start":890.33997,"end":890.42,"confidence":0.5791432,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4478495121002197},{"word":"long","start":890.42,"end":890.66,"confidence":0.998973,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4726378321647644},{"word":"as","start":890.66,"end":890.74,"confidence":0.9977773,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4636988639831543},{"word":"the","start":890.74,"end":890.89996,"confidence":0.9976973,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4645899832248688},{"word":"market","start":890.89996,"end":891.22,"confidence":0.9992938,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.4706079959869385},{"word":"reacts","start":891.22,"end":891.62,"confidence":0.9763005,"punctuated_word":"reacts","sentiment":"positive","sentiment_score":0.45870959758758545},{"word":"the","start":891.62,"end":891.69995,"confidence":0.990245,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4296542406082154},{"word":"way","start":891.69995,"end":891.94,"confidence":0.99986637,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5050315856933594},{"word":"we","start":891.94,"end":892.01996,"confidence":0.99844164,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4337875545024872},{"word":"hope","start":892.01996,"end":892.26,"confidence":0.99668473,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.500040590763092},{"word":"it","start":892.26,"end":892.33997,"confidence":0.9990263,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.45904991030693054},{"word":"does","start":892.33997,"end":892.74,"confidence":0.99695045,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4163108468055725},{"word":"moving","start":892.74,"end":893.06,"confidence":0.98635614,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.4917827546596527},{"word":"forward","start":893.06,"end":893.56,"confidence":0.9989037,"punctuated_word":"forward.","sentiment":"positive","sentiment_score":0.34321898221969604},{"word":"it's","start":894.26,"end":894.5,"confidence":0.9502106,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12215550243854524},{"word":"really","start":894.5,"end":894.74,"confidence":0.99974495,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12981101870536804},{"word":"important","start":894.74,"end":895.06,"confidence":0.9992036,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.09674952924251556},{"word":"i","start":895.06,"end":895.22,"confidence":0.6829519,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10145701467990877},{"word":"do","start":895.22,"end":895.38,"confidence":0.9823981,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09409759938716888},{"word":"let","start":895.38,"end":895.54,"confidence":0.96564174,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08879665285348892},{"word":"you","start":895.54,"end":895.62,"confidence":0.9993444,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0818215012550354},{"word":"know","start":895.62,"end":895.77997,"confidence":0.999572,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.07403255999088287},{"word":"that","start":895.77997,"end":895.94,"confidence":0.9972907,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08786743134260178},{"word":"by","start":895.94,"end":896.26,"confidence":0.97916836,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08775033056735992},{"word":"changing","start":896.26,"end":896.74,"confidence":0.72921026,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.12381882965564728},{"word":"the","start":896.74,"end":896.89996,"confidence":0.99182945,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06597712635993958},{"word":"investments","start":896.89996,"end":897.38,"confidence":0.96866924,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.00011445581912994383},{"word":"within","start":897.38,"end":897.62,"confidence":0.85990316,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.056886740028858185},{"word":"the","start":897.62,"end":897.77997,"confidence":0.9922241,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0846061185002327},{"word":"portfolio","start":897.77997,"end":898.27997,"confidence":0.96251315,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.08322802186012268},{"word":"there","start":898.33997,"end":898.57996,"confidence":0.9355217,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08645117282867432},{"word":"are","start":898.57996,"end":898.82,"confidence":0.99627715,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.010931774973869324},{"word":"cdt","start":898.82,"end":899.32,"confidence":0.72644967,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":-0.01711120828986168},{"word":"consequences","start":899.38,"end":899.88,"confidence":0.99716437,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":0.01398408506065607},{"word":"i've","start":900.885,"end":901.04504,"confidence":0.99386775,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.28156396746635437},{"word":"got","start":901.04504,"end":901.205,"confidence":0.99993336,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3710530996322632},{"word":"that","start":901.205,"end":901.445,"confidence":0.999076,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34408658742904663},{"word":"in","start":901.445,"end":901.68506,"confidence":0.9999162,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.291374146938324},{"word":"this","start":901.68506,"end":901.92505,"confidence":0.99949944,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3431747555732727},{"word":"table","start":901.92505,"end":902.24506,"confidence":0.99961674,"punctuated_word":"table","sentiment":"positive","sentiment_score":0.3365024924278259},{"word":"here","start":902.24506,"end":902.565,"confidence":0.9999279,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.3305709660053253},{"word":"for","start":902.565,"end":902.72504,"confidence":0.9999262,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3905979692935944},{"word":"you","start":902.72504,"end":902.965,"confidence":0.92524505,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2934827208518982},{"word":"so","start":902.965,"end":903.125,"confidence":0.99987066,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.38852304220199585},{"word":"it","start":903.125,"end":903.28503,"confidence":0.99962795,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3997354805469513},{"word":"does","start":903.28503,"end":903.60504,"confidence":0.9997352,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.47561943531036377},{"word":"show","start":903.60504,"end":903.84503,"confidence":0.99955064,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.3103349804878235},{"word":"that","start":903.84503,"end":904.005,"confidence":0.9990356,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3678608536720276},{"word":"by","start":904.005,"end":904.24506,"confidence":0.99543566,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.3322129249572754},{"word":"making","start":904.24506,"end":904.645,"confidence":0.9996301,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4477120041847229},{"word":"the","start":904.645,"end":904.80505,"confidence":0.99862623,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38799160718917847},{"word":"changes","start":904.80505,"end":905.205,"confidence":0.9995189,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.30681970715522766},{"word":"there","start":905.205,"end":905.68506,"confidence":0.9838113,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.36210548877716064},{"word":"the","start":905.68506,"end":905.84503,"confidence":0.9952858,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4018148183822632},{"word":"expected","start":905.84503,"end":906.34503,"confidence":0.9964426,"punctuated_word":"expected","sentiment":"positive","sentiment_score":0.34113064408302307},{"word":"cdt","start":906.405,"end":906.905,"confidence":0.9963356,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.17198026180267334},{"word":"consequences","start":907.205,"end":907.705,"confidence":0.79473203,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.11401407420635223},{"word":"of","start":907.84503,"end":907.92505,"confidence":0.73354715,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1896517276763916},{"word":"tax","start":907.92505,"end":908.24506,"confidence":0.94495314,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3832065761089325},{"word":"your","start":908.24506,"end":908.405,"confidence":0.8805024,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36346566677093506},{"word":"funds","start":908.405,"end":908.72504,"confidence":0.9518304,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2337172031402588},{"word":"will","start":908.72504,"end":908.80505,"confidence":0.9977296,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.32541441917419434},{"word":"pay","start":908.80505,"end":909.04504,"confidence":0.9981269,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.36040398478508},{"word":"is","start":909.04504,"end":909.205,"confidence":0.97777504,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3083817958831787},{"word":"about","start":909.205,"end":909.525,"confidence":0.9990061,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2491714060306549},{"word":"$2,032","start":909.525,"end":911.445,"confidence":0.9985118,"punctuated_word":"$2,032","sentiment":"neutral","sentiment_score":0.3068682551383972},{"word":"for","start":911.445,"end":911.68506,"confidence":0.99289036,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34040412306785583},{"word":"the","start":911.68506,"end":911.84503,"confidence":0.9997143,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2739782929420471},{"word":"changes","start":911.84503,"end":912.34503,"confidence":0.92488265,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.2383027970790863},{"word":"but","start":913.3,"end":913.45996,"confidence":0.92127055,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.4178822338581085},{"word":"we're","start":913.45996,"end":913.7,"confidence":0.99969935,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5655028820037842},{"word":"also","start":913.7,"end":914.1,"confidence":0.9960551,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.5590305924415588},{"word":"saving","start":914.1,"end":914.42,"confidence":0.99874794,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.5793866515159607},{"word":"you","start":914.42,"end":914.57996,"confidence":0.99934155,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6464928984642029},{"word":"an","start":914.57996,"end":914.74,"confidence":0.9514406,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.6064210534095764},{"word":"investment","start":914.74,"end":915.22,"confidence":0.99901557,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.47395122051239014},{"word":"fee","start":915.22,"end":915.45996,"confidence":0.8582938,"punctuated_word":"fee.","sentiment":"positive","sentiment_score":0.6025591492652893},{"word":"so","start":915.45996,"end":915.62,"confidence":0.99830985,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6066098213195801},{"word":"by","start":915.62,"end":915.77997,"confidence":0.973525,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.6433631777763367},{"word":"enable","start":915.77997,"end":916.18,"confidence":0.41088402,"punctuated_word":"enable","sentiment":"positive","sentiment_score":0.6873323321342468},{"word":"by","start":916.26,"end":916.57996,"confidence":0.99752444,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.6050460934638977},{"word":"making","start":916.57996,"end":916.89996,"confidence":0.998384,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.7703455686569214},{"word":"these","start":916.89996,"end":917.22,"confidence":0.9994332,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.7620720267295837},{"word":"changes","start":917.22,"end":917.62,"confidence":0.9998264,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.744340717792511},{"word":"to","start":917.62,"end":917.77997,"confidence":0.996021,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7358579039573669},{"word":"your","start":917.77997,"end":918.01996,"confidence":0.999724,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6298535466194153},{"word":"portfolio","start":918.01996,"end":918.51996,"confidence":0.9914065,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.5900739431381226},{"word":"it's","start":918.57996,"end":918.89996,"confidence":0.9503586,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7292978167533875},{"word":"seeing","start":918.89996,"end":919.22,"confidence":0.6717721,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.763765811920166},{"word":"greater","start":919.22,"end":919.54,"confidence":0.96983063,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.7035881876945496},{"word":"growth","start":919.54,"end":919.86,"confidence":0.92896646,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.6811961531639099},{"word":"there","start":919.86,"end":920.01996,"confidence":0.74578935,"punctuated_word":"There","sentiment":"positive","sentiment_score":0.4118652939796448},{"word":"are","start":920.01996,"end":920.18,"confidence":0.9022336,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3729531168937683},{"word":"other","start":920.18,"end":920.42,"confidence":0.89306104,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.3135972321033478},{"word":"cdt","start":920.42,"end":920.92,"confidence":0.7191478,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.1986342966556549},{"word":"consequences","start":920.98,"end":921.48,"confidence":0.91100216,"punctuated_word":"consequences,","sentiment":"neutral","sentiment_score":0.21740125119686127},{"word":"but","start":921.7,"end":922.2,"confidence":0.9989802,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2707301080226898},{"word":"we","start":922.26,"end":922.33997,"confidence":0.9984452,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3945137858390808},{"word":"can","start":922.33997,"end":922.57996,"confidence":0.99857867,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4959522485733032},{"word":"sort","start":922.57996,"end":922.82,"confidence":0.9926286,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3963651955127716},{"word":"of","start":922.82,"end":923.06,"confidence":0.90614086,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5283420085906982},{"word":"see","start":923.06,"end":923.22,"confidence":0.9948966,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5283715128898621},{"word":"that","start":923.22,"end":923.38,"confidence":0.99905604,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4939785301685333},{"word":"we're","start":923.38,"end":923.62,"confidence":0.9992591,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.6173340678215027},{"word":"saving","start":923.62,"end":924.1,"confidence":0.9983942,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.4848360419273377},{"word":"about","start":924.1,"end":924.42,"confidence":0.9925552,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.47620323300361633},{"word":"$728","start":924.42,"end":925.825,"confidence":0.9815083,"punctuated_word":"$728","sentiment":"positive","sentiment_score":0.587742805480957},{"word":"for","start":925.825,"end":926.065,"confidence":0.6985499,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6060658693313599},{"word":"the","start":926.065,"end":926.145,"confidence":0.9990996,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6031001210212708},{"word":"first","start":926.145,"end":926.385,"confidence":0.9968849,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.46381911635398865},{"word":"year","start":926.385,"end":926.705,"confidence":0.9790566,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.603239119052887},{"word":"in","start":926.705,"end":926.945,"confidence":0.9951336,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5231869220733643},{"word":"investment","start":926.945,"end":927.445,"confidence":0.9979728,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.34006673097610474},{"word":"fees","start":927.505,"end":927.825,"confidence":0.97606033,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.5940204858779907},{"word":"as","start":927.825,"end":927.985,"confidence":0.9995228,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4745582938194275},{"word":"well","start":927.985,"end":928.225,"confidence":0.90484756,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3866921067237854},{"word":"so","start":928.225,"end":928.385,"confidence":0.9994281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29523134231567383},{"word":"that's","start":928.385,"end":928.705,"confidence":0.99978685,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27907121181488037},{"word":"the","start":928.705,"end":928.865,"confidence":0.7117001,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2426016479730606},{"word":"benefit","start":928.865,"end":929.345,"confidence":0.99892765,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3356710374355316},{"word":"and","start":929.345,"end":929.425,"confidence":0.97047836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23498791456222537},{"word":"the","start":929.425,"end":929.585,"confidence":0.85982156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2533121109008789},{"word":"bonus","start":929.585,"end":929.985,"confidence":0.99943763,"punctuated_word":"bonus","sentiment":"neutral","sentiment_score":0.26023706793785095},{"word":"for","start":929.985,"end":930.225,"confidence":0.99974376,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12691469490528107},{"word":"you","start":930.225,"end":930.725,"confidence":0.9998312,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06092189252376557},{"word":"it","start":932.945,"end":933.105,"confidence":0.7966751,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1031094342470169},{"word":"basically","start":933.105,"end":933.505,"confidence":0.9824095,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.06845876574516296},{"word":"means","start":933.505,"end":933.745,"confidence":0.9983872,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.09559881687164308},{"word":"that","start":933.745,"end":933.825,"confidence":0.99836785,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14371556043624878},{"word":"your","start":933.825,"end":934.065,"confidence":0.9941988,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21698996424674988},{"word":"super","start":934.065,"end":934.305,"confidence":0.9015151,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3203499913215637},{"word":"fund's","start":934.305,"end":934.625,"confidence":0.60811675,"punctuated_word":"fund's","sentiment":"neutral","sentiment_score":0.252738893032074},{"word":"gonna","start":934.625,"end":934.865,"confidence":0.9964309,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.29233455657958984},{"word":"do","start":934.865,"end":934.945,"confidence":0.9983708,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.30994072556495667},{"word":"a","start":934.945,"end":935.025,"confidence":0.99791235,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2775079607963562},{"word":"tax","start":935.025,"end":935.345,"confidence":0.99945635,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.3139417767524719},{"word":"return","start":935.345,"end":935.665,"confidence":0.99859315,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.31992512941360474},{"word":"for","start":935.665,"end":935.825,"confidence":0.9985475,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22604194283485413},{"word":"you","start":935.825,"end":935.985,"confidence":0.9308619,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2138515263795853},{"word":"and","start":935.985,"end":936.145,"confidence":0.99890697,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19236016273498535},{"word":"they'll","start":936.145,"end":936.385,"confidence":0.99219716,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.2420080006122589},{"word":"have","start":936.385,"end":936.545,"confidence":0.99938726,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2141471803188324},{"word":"to","start":936.545,"end":936.625,"confidence":0.998898,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22941523790359497},{"word":"pay","start":936.625,"end":936.865,"confidence":0.99703276,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.2054152339696884},{"word":"capital","start":936.865,"end":937.265,"confidence":0.9843432,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.1512296497821808},{"word":"gains","start":937.265,"end":937.665,"confidence":0.990422,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.2563585340976715},{"word":"tax","start":937.665,"end":937.90497,"confidence":0.9913613,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.26524102687835693},{"word":"of","start":937.90497,"end":938.065,"confidence":0.99679834,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18902458250522616},{"word":"$2,032","start":938.065,"end":939.57,"confidence":0.929107,"punctuated_word":"$2,032,","sentiment":"neutral","sentiment_score":0.2385508418083191},{"word":"but","start":939.57,"end":939.65,"confidence":0.96455973,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16695114970207214},{"word":"it","start":939.65,"end":939.73,"confidence":0.9962774,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19002436101436615},{"word":"doesn't","start":939.73,"end":939.97003,"confidence":0.99943924,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.11596103757619858},{"word":"affect","start":939.97003,"end":940.29,"confidence":0.9969029,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.05570146441459656},{"word":"you","start":940.29,"end":940.45,"confidence":0.9977285,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12339197844266891},{"word":"in","start":940.45,"end":940.61,"confidence":0.99808455,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09383879601955414},{"word":"any","start":940.61,"end":940.77,"confidence":0.9968694,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1190999522805214},{"word":"way","start":940.77,"end":940.93,"confidence":0.9463973,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.06961939483880997},{"word":"shape","start":940.93,"end":941.17,"confidence":0.9869842,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.16230159997940063},{"word":"or","start":941.17,"end":941.33,"confidence":0.9991425,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.183543860912323},{"word":"form","start":941.33,"end":941.83,"confidence":0.97574484,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.2066338956356049},{"word":"yeah","start":942.53,"end":943.03,"confidence":0.8967153,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3695855140686035},{"word":"all","start":943.89,"end":944.13,"confidence":0.8247681,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6224238872528076},{"word":"good","start":944.13,"end":944.37,"confidence":0.9992515,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5971225500106812},{"word":"it's","start":944.37,"end":944.61,"confidence":0.99834156,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4130830466747284},{"word":"actually","start":944.61,"end":944.93,"confidence":0.992963,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.44761890172958374},{"word":"kinda","start":944.93,"end":945.17,"confidence":0.7955655,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3475770354270935},{"word":"funny","start":945.17,"end":945.32996,"confidence":0.9716352,"punctuated_word":"funny.","sentiment":"neutral","sentiment_score":0.2975578010082245},{"word":"a","start":945.32996,"end":945.49,"confidence":0.9989976,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.1965024173259735},{"word":"lot","start":945.49,"end":945.65,"confidence":0.9995009,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1600513607263565},{"word":"of","start":945.65,"end":945.73,"confidence":0.99905485,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1358606517314911},{"word":"people","start":945.73,"end":946.05,"confidence":0.9223396,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.056987032294273376},{"word":"don't","start":946.05,"end":946.21,"confidence":0.99397856,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0632387101650238},{"word":"realize","start":946.21,"end":946.45,"confidence":0.997623,"punctuated_word":"realize","sentiment":"neutral","sentiment_score":0.09031866490840912},{"word":"that","start":946.45,"end":946.69,"confidence":0.8130208,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15900319814682007},{"word":"your","start":946.69,"end":946.85004,"confidence":0.9657105,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15528863668441772},{"word":"super","start":946.85004,"end":947.09,"confidence":0.88000876,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24159568548202515},{"word":"fund","start":947.09,"end":947.33,"confidence":0.9186126,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.15153992176055908},{"word":"the","start":947.33,"end":947.49,"confidence":0.9944194,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.169429212808609},{"word":"trustees","start":947.49,"end":947.89,"confidence":0.82845616,"punctuated_word":"trustees","sentiment":"neutral","sentiment_score":0.229470893740654},{"word":"in","start":947.89,"end":948.05,"confidence":0.9368755,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14136388897895813},{"word":"your","start":948.05,"end":948.21,"confidence":0.9993228,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1846428215503693},{"word":"fund","start":948.21,"end":948.37,"confidence":0.9917232,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.18820133805274963},{"word":"they","start":948.37,"end":948.53,"confidence":0.9980428,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.25829416513442993},{"word":"actually","start":948.53,"end":948.85004,"confidence":0.9975032,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.25969198346138},{"word":"do","start":948.85004,"end":949.01,"confidence":0.9996282,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2451625764369965},{"word":"a","start":949.01,"end":949.09,"confidence":0.99770325,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2432597428560257},{"word":"tax","start":949.09,"end":949.33,"confidence":0.9984464,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.26951807737350464},{"word":"return","start":949.33,"end":949.73,"confidence":0.99836606,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.24880854785442352},{"word":"every","start":949.73,"end":949.97003,"confidence":0.99935514,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2335425168275833},{"word":"year","start":949.97003,"end":950.21,"confidence":0.99960953,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.28024956583976746},{"word":"for","start":950.21,"end":950.37,"confidence":0.9997198,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2272932529449463},{"word":"you","start":950.37,"end":950.61,"confidence":0.96923584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30817097425460815},{"word":"for","start":950.93,"end":951.17,"confidence":0.9812221,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2637282609939575},{"word":"your","start":951.17,"end":951.41003,"confidence":0.9826471,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2308078408241272},{"word":"super","start":951.41003,"end":951.91003,"confidence":0.9960896,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.3021591007709503},{"word":"so","start":952.495,"end":952.57495,"confidence":0.9914835,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19519592821598053},{"word":"your","start":952.57495,"end":952.975,"confidence":0.99795806,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2433306872844696},{"word":"super","start":952.975,"end":953.295,"confidence":0.9997192,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.34162330627441406},{"word":"has","start":953.295,"end":953.57495,"confidence":0.9984407,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.22375613451004028},{"word":"pays","start":953.855,"end":954.33496,"confidence":0.9960846,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.1907634288072586},{"word":"incomes","start":954.33496,"end":954.735,"confidence":0.5034136,"punctuated_word":"incomes","sentiment":"neutral","sentiment_score":0.2137768268585205},{"word":"and","start":954.735,"end":954.89496,"confidence":0.97153264,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15095435082912445},{"word":"capital","start":954.89496,"end":955.295,"confidence":0.99920005,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.13444197177886963},{"word":"gains","start":955.295,"end":955.615,"confidence":0.8983525,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.18317550420761108},{"word":"tax","start":955.615,"end":955.855,"confidence":0.9743071,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.269824743270874},{"word":"on","start":955.855,"end":956.01495,"confidence":0.99882287,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2713581621646881},{"word":"a","start":956.01495,"end":956.095,"confidence":0.99476296,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24898245930671692},{"word":"yearly","start":956.095,"end":956.415,"confidence":0.99950075,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.25137245655059814},{"word":"basis","start":956.415,"end":956.735,"confidence":0.99364686,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.1654934287071228},{"word":"you","start":956.735,"end":956.89496,"confidence":0.99750596,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11320686340332033},{"word":"just","start":956.89496,"end":957.13495,"confidence":0.99977297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07833454757928848},{"word":"don't","start":957.13495,"end":957.295,"confidence":0.99880034,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.08401142060756683},{"word":"see","start":957.295,"end":957.45496,"confidence":0.99984014,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04926392436027527},{"word":"it","start":957.45496,"end":957.69495,"confidence":0.99971205,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0601864829659462},{"word":"because","start":957.69495,"end":958.01495,"confidence":0.90762424,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03410809487104416},{"word":"it's","start":958.01495,"end":958.175,"confidence":0.99955726,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1148006021976471},{"word":"not","start":958.175,"end":958.415,"confidence":0.9998202,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04119255393743515},{"word":"something","start":958.415,"end":958.735,"confidence":0.99993205,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.021889232099056244},{"word":"you","start":958.735,"end":958.89496,"confidence":0.99962413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025695279240608215},{"word":"have","start":958.89496,"end":959.13495,"confidence":0.9994236,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01530800759792328},{"word":"to","start":959.13495,"end":959.295,"confidence":0.99856216,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02932891994714737},{"word":"sign","start":959.295,"end":959.535,"confidence":0.9998944,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.0500306710600853},{"word":"off","start":959.535,"end":959.77496,"confidence":0.7401579,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03082522749900818},{"word":"on","start":959.77496,"end":960.27496,"confidence":0.98796904,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.059466976672410965},{"word":"so","start":960.975,"end":961.45496,"confidence":0.9134195,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.19168680906295776},{"word":"yeah","start":961.45496,"end":961.77496,"confidence":0.9983524,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.23168304562568665},{"word":"that","start":961.77496,"end":962.095,"confidence":0.9989385,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26734158396720886},{"word":"happens","start":962.095,"end":962.415,"confidence":0.99985397,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.19487637281417847},{"word":"automatically","start":962.415,"end":962.915,"confidence":0.99971026,"punctuated_word":"automatically","sentiment":"neutral","sentiment_score":0.2787415683269501},{"word":"every","start":963.13495,"end":963.375,"confidence":0.99917644,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.18000246584415436},{"word":"year","start":963.375,"end":963.615,"confidence":0.9974997,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.18292902410030365},{"word":"this","start":963.615,"end":963.77496,"confidence":0.9998097,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.377059668302536},{"word":"will","start":963.77496,"end":964.01495,"confidence":0.9995146,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5433076024055481},{"word":"happen","start":964.01495,"end":964.25494,"confidence":0.9995763,"punctuated_word":"happen","sentiment":"positive","sentiment_score":0.39045050740242},{"word":"as","start":964.25494,"end":964.495,"confidence":0.9997516,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28513050079345703},{"word":"well","start":964.495,"end":964.735,"confidence":0.99975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24151386320590973},{"word":"we","start":964.735,"end":964.89496,"confidence":0.99986005,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12222886085510254},{"word":"just","start":964.89496,"end":965.055,"confidence":0.99979836,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1377197653055191},{"word":"have","start":965.055,"end":965.295,"confidence":0.99990344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1623867154121399},{"word":"to","start":965.295,"end":965.45496,"confidence":0.99990845,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14179283380508423},{"word":"let","start":965.45496,"end":965.615,"confidence":0.99993014,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1361480951309204},{"word":"you","start":965.615,"end":965.77496,"confidence":0.99947125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11349042505025864},{"word":"know","start":965.77496,"end":965.935,"confidence":0.9999304,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09947358071804048},{"word":"that","start":965.935,"end":966.095,"confidence":0.999833,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09158804267644882},{"word":"there","start":966.095,"end":966.33496,"confidence":0.9992343,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.062323302030563354},{"word":"are","start":966.33496,"end":966.735,"confidence":0.79207814,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.026233620941638947},{"word":"obviously","start":966.735,"end":967.21497,"confidence":0.9996214,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.20147079229354856},{"word":"the","start":967.21497,"end":967.375,"confidence":0.9684579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2153666615486145},{"word":"expected","start":967.375,"end":967.77496,"confidence":0.99815124,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.2335597574710846},{"word":"tax","start":967.77496,"end":968.07,"confidence":0.99852055,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.21993257105350497},{"word":"consequences","start":968.31,"end":968.81,"confidence":0.9976914,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.10239113867282867},{"word":"there","start":968.95,"end":969.19,"confidence":0.9883802,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3055899739265442},{"word":"for","start":969.19,"end":969.35004,"confidence":0.99978465,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28757643699645996},{"word":"you","start":969.35004,"end":969.85004,"confidence":0.92796063,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2135196477174759},{"word":"but","start":969.99,"end":970.23,"confidence":0.66913027,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.26409026980400085},{"word":"the","start":970.23,"end":970.39,"confidence":0.99912506,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.416768878698349},{"word":"benefits","start":970.39,"end":970.87,"confidence":0.54793096,"punctuated_word":"benefits","sentiment":"positive","sentiment_score":0.461908757686615},{"word":"of","start":970.87,"end":971.03,"confidence":0.5218882,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5053227543830872},{"word":"this","start":971.03,"end":971.19,"confidence":0.99748874,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5133002996444702},{"word":"is","start":971.19,"end":971.35004,"confidence":0.99866986,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3827206492424011},{"word":"that","start":971.35004,"end":971.51,"confidence":0.9847162,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3913292288780213},{"word":"the","start":971.51,"end":972.01,"confidence":0.96259266,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.465660035610199},{"word":"the","start":972.07,"end":972.23,"confidence":0.8779929,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4777040481567383},{"word":"investment","start":972.23,"end":972.73,"confidence":0.9934788,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3591899871826172},{"word":"fees","start":972.79,"end":973.03,"confidence":0.78922784,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.5064404606819153},{"word":"within","start":973.03,"end":973.35004,"confidence":0.99789846,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.4160873293876648},{"word":"the","start":973.35004,"end":973.51,"confidence":0.99650794,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42526888847351074},{"word":"fund","start":973.51,"end":974.01,"confidence":0.77045405,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.3608208894729614},{"word":"by","start":974.31,"end":974.55,"confidence":0.9699276,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.4495437741279602},{"word":"making","start":974.55,"end":974.87,"confidence":0.99992716,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6427616477012634},{"word":"these","start":974.87,"end":975.19,"confidence":0.99758875,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.6488681435585022},{"word":"changes","start":975.19,"end":975.67,"confidence":0.9977052,"punctuated_word":"changes,","sentiment":"positive","sentiment_score":0.5977146625518799},{"word":"we","start":975.67,"end":975.83,"confidence":0.99969685,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5570650696754456},{"word":"expect","start":975.83,"end":976.15,"confidence":0.9984674,"punctuated_word":"expect","sentiment":"positive","sentiment_score":0.6912745237350464},{"word":"to","start":976.15,"end":976.31,"confidence":0.99885225,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6827232241630554},{"word":"save","start":976.31,"end":976.55,"confidence":0.99786395,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.5616382956504822},{"word":"you","start":976.55,"end":976.71,"confidence":0.9974656,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6751033067703247},{"word":"$728","start":976.71,"end":978.15,"confidence":0.9992845,"punctuated_word":"$728","sentiment":"positive","sentiment_score":0.6747179627418518},{"word":"for","start":978.15,"end":978.31,"confidence":0.76941687,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6733955144882202},{"word":"the","start":978.31,"end":978.39,"confidence":0.9992755,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6636022925376892},{"word":"first","start":978.39,"end":978.63,"confidence":0.9945193,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.53091961145401},{"word":"year","start":978.63,"end":978.79,"confidence":0.98727953,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.656513512134552},{"word":"on","start":978.79,"end":978.95,"confidence":0.66405773,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6591240763664246},{"word":"investment","start":978.95,"end":979.43,"confidence":0.99200374,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.36429303884506226},{"word":"fees","start":979.43,"end":979.59,"confidence":0.852206,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.5328963994979858},{"word":"so","start":979.59,"end":979.83,"confidence":0.99818355,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3442048132419586},{"word":"it's","start":979.83,"end":979.99,"confidence":0.9995671,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4805944561958313},{"word":"a","start":979.99,"end":980.07,"confidence":0.99949443,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46988874673843384},{"word":"little","start":980.07,"end":980.23,"confidence":0.9999243,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.30058616399765015},{"word":"bit","start":980.23,"end":980.47003,"confidence":0.9995901,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.21434280276298523},{"word":"cheaper","start":980.47003,"end":980.79,"confidence":0.9996025,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.4375177025794983},{"word":"on","start":980.79,"end":981.03,"confidence":0.9957014,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5989155769348145},{"word":"fees","start":981.03,"end":981.35004,"confidence":0.7375467,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4702659249305725},{"word":"for","start":981.35004,"end":981.43,"confidence":0.9996511,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5029107332229614},{"word":"you","start":981.43,"end":981.67,"confidence":0.9588511,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.3280913531780243},{"word":"which","start":981.67,"end":981.83,"confidence":0.9998392,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.26518678665161133},{"word":"is","start":981.83,"end":982.07,"confidence":0.9997577,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2240666002035141},{"word":"important","start":982.07,"end":982.57,"confidence":0.9996604,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.2437707632780075},{"word":"yeah","start":983.22504,"end":983.72504,"confidence":0.96023226,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4338371753692627},{"word":"all","start":984.025,"end":984.34503,"confidence":0.3718175,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.646259605884552},{"word":"good","start":984.34503,"end":984.84503,"confidence":0.9992863,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5899800062179565},{"word":"i've","start":986.18506,"end":986.42505,"confidence":0.8728194,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2187301218509674},{"word":"also","start":986.42505,"end":986.66504,"confidence":0.99949884,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16585977375507355},{"word":"got","start":986.66504,"end":986.825,"confidence":0.99754566,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18642713129520416},{"word":"a","start":986.825,"end":986.905,"confidence":0.9996879,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15618911385536194},{"word":"bit","start":986.905,"end":987.065,"confidence":0.99981064,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15978839993476868},{"word":"of","start":987.065,"end":987.22504,"confidence":0.9999074,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15137092769145966},{"word":"a","start":987.22504,"end":987.30505,"confidence":0.99894124,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15163004398345947},{"word":"projection","start":987.30505,"end":987.78503,"confidence":0.9801063,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.1500965654850006},{"word":"in","start":987.78503,"end":987.86505,"confidence":0.69548357,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1406680792570114},{"word":"there","start":987.86505,"end":988.025,"confidence":0.9896722,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1749008744955063},{"word":"for","start":988.025,"end":988.18506,"confidence":0.9994143,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1735273152589798},{"word":"the","start":988.18506,"end":988.265,"confidence":0.9993807,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.190031036734581},{"word":"next","start":988.265,"end":988.585,"confidence":0.9994487,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.14300155639648438},{"word":"sort","start":988.585,"end":988.74506,"confidence":0.95334107,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.145643413066864},{"word":"of","start":988.74506,"end":988.905,"confidence":0.9817554,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19254662096500397},{"word":"five","start":988.905,"end":989.145,"confidence":0.99942267,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.198759987950325},{"word":"years","start":989.145,"end":989.385,"confidence":0.99901485,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.24839313328266144},{"word":"for","start":989.385,"end":989.54504,"confidence":0.99968994,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20806646347045896},{"word":"you","start":989.54504,"end":989.705,"confidence":0.99995065,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21594463288784027},{"word":"because","start":989.705,"end":990.025,"confidence":0.8919481,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18913587927818296},{"word":"you","start":990.025,"end":990.18506,"confidence":0.99966323,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2982718050479889},{"word":"are","start":990.18506,"end":990.34503,"confidence":0.99882334,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.27823004126548767},{"word":"getting","start":990.34503,"end":990.66504,"confidence":0.9997625,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2654372751712799},{"word":"closer","start":990.66504,"end":990.98505,"confidence":0.9660632,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.22981294989585876},{"word":"to","start":990.98505,"end":991.145,"confidence":0.9979195,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3771280348300934},{"word":"accessing","start":991.145,"end":991.645,"confidence":0.99678576,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.2942636013031006},{"word":"super","start":991.705,"end":992.025,"confidence":0.4479536,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.3113778233528137},{"word":"there","start":992.025,"end":992.525,"confidence":0.8998654,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3875239193439483},{"word":"with","start":992.66504,"end":992.825,"confidence":0.6566868,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3429762125015259},{"word":"the","start":992.825,"end":992.98505,"confidence":0.9946825,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3828850388526917},{"word":"new","start":992.98505,"end":993.22504,"confidence":0.9358254,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.36145052313804626},{"word":"hire","start":993.22504,"end":993.465,"confidence":0.64929277,"punctuated_word":"hire","sentiment":"neutral","sentiment_score":0.32322603464126587},{"word":"growth","start":993.465,"end":993.78503,"confidence":0.8247533,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.37222012877464294},{"word":"portfolio","start":993.78503,"end":994.28503,"confidence":0.9985232,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.3300074338912964},{"word":"the","start":994.34503,"end":994.505,"confidence":0.7556746,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3397250473499298},{"word":"way","start":994.505,"end":994.66504,"confidence":0.99995315,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.365633100271225},{"word":"it","start":994.66504,"end":994.825,"confidence":0.9979899,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4342631697654724},{"word":"has","start":994.825,"end":994.98505,"confidence":0.9990895,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.3099302053451538},{"word":"sort","start":994.98505,"end":995.22504,"confidence":0.94904685,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1823800951242447},{"word":"of","start":995.22504,"end":995.385,"confidence":0.97544676,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23792624473571777},{"word":"seen","start":995.385,"end":995.705,"confidence":0.7551529,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.3395999073982239},{"word":"if","start":995.705,"end":995.86505,"confidence":0.899666,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2956103980541229},{"word":"it","start":995.86505,"end":996.025,"confidence":0.9993753,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.39982637763023376},{"word":"continues","start":996.025,"end":996.525,"confidence":0.9975793,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.27250605821609497},{"word":"to","start":996.585,"end":996.87,"confidence":0.99287975,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2918285131454468},{"word":"you","start":996.95,"end":997.11,"confidence":0.9952325,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2307421118021011},{"word":"know","start":997.11,"end":997.35,"confidence":0.99542654,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.20704977214336395},{"word":"work","start":997.35,"end":997.58997,"confidence":0.99517584,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.3979197144508362},{"word":"the","start":997.58997,"end":997.75,"confidence":0.99715024,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31174924969673157},{"word":"way","start":997.75,"end":997.99,"confidence":0.9993297,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3969624936580658},{"word":"it","start":997.99,"end":998.07,"confidence":0.9974982,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4181647598743438},{"word":"has","start":998.07,"end":998.39,"confidence":0.9996468,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3555057942867279},{"word":"over","start":998.39,"end":998.63,"confidence":0.9971927,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.31275033950805664},{"word":"the","start":998.63,"end":998.71,"confidence":0.99856204,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.226991206407547},{"word":"past","start":998.71,"end":999.02997,"confidence":0.99579084,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.2095724493265152},{"word":"sort","start":999.02997,"end":999.19,"confidence":0.827197,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16867779195308685},{"word":"of","start":999.19,"end":999.35,"confidence":0.9696302,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24223849177360535},{"word":"three","start":999.35,"end":999.58997,"confidence":0.9977659,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.2237771898508072},{"word":"to","start":999.58997,"end":999.75,"confidence":0.9992061,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20351172983646393},{"word":"five","start":999.75,"end":999.99,"confidence":0.9997775,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2300526350736618},{"word":"years","start":999.99,"end":1000.49,"confidence":0.8799393,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.3368456959724426},{"word":"you","start":1000.79,"end":1001.02997,"confidence":0.6991788,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3941350281238556},{"word":"can","start":1001.02997,"end":1001.27,"confidence":0.9993563,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.35370832681655884},{"word":"sort","start":1001.27,"end":1001.51,"confidence":0.99615604,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2816625237464905},{"word":"of","start":1001.51,"end":1001.67,"confidence":0.95947266,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33834341168403625},{"word":"see","start":1001.67,"end":1001.83,"confidence":0.9583169,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4580143392086029},{"word":"and","start":1001.83,"end":1002.07,"confidence":0.98815805,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3799375891685486},{"word":"hope","start":1002.07,"end":1002.57,"confidence":0.9987698,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.3886245191097259},{"word":"in","start":1002.79,"end":1002.95,"confidence":0.2875896,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3893809318542481},{"word":"the","start":1002.95,"end":1003.11,"confidence":0.9951088,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3958284258842468},{"word":"future","start":1003.11,"end":1003.35,"confidence":0.7587919,"punctuated_word":"future,","sentiment":"positive","sentiment_score":0.3778987228870392},{"word":"you","start":1003.35,"end":1003.51,"confidence":0.978304,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.40962567925453186},{"word":"may","start":1003.51,"end":1003.75,"confidence":0.99916565,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.3307609558105469},{"word":"end","start":1003.75,"end":1003.91,"confidence":0.99980456,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.3664265275001526},{"word":"up","start":1003.91,"end":1004.07,"confidence":0.99911124,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.23072148859500885},{"word":"with","start":1004.07,"end":1004.31,"confidence":0.99938273,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3019189238548279},{"word":"about","start":1004.31,"end":1004.55,"confidence":0.9969977,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1782740354537964},{"word":"600,000","start":1004.55,"end":1005.61,"confidence":0.9835438,"punctuated_word":"600,000.","sentiment":"neutral","sentiment_score":0.2459624409675598},{"word":"with","start":1005.83,"end":1005.99,"confidence":0.97109085,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.1959118694067001},{"word":"your","start":1005.99,"end":1006.15,"confidence":0.99823344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4877542853355408},{"word":"balance","start":1006.15,"end":1006.55,"confidence":0.9978976,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.513275146484375},{"word":"the","start":1006.55,"end":1006.63,"confidence":0.7917972,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5058766007423401},{"word":"way","start":1006.63,"end":1006.79,"confidence":0.9993339,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5697386860847473},{"word":"it","start":1006.79,"end":1006.95,"confidence":0.99726486,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5585753917694092},{"word":"is","start":1006.95,"end":1007.19,"confidence":0.9964408,"punctuated_word":"is,","sentiment":"positive","sentiment_score":0.4848858714103699},{"word":"you","start":1007.19,"end":1007.35,"confidence":0.99972683,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.593643307685852},{"word":"could","start":1007.35,"end":1007.58997,"confidence":0.99987435,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.5270795822143555},{"word":"honestly","start":1007.58997,"end":1008.07,"confidence":0.9565435,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.457122802734375},{"word":"end","start":1008.07,"end":1008.23,"confidence":0.99916065,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.4598519802093506},{"word":"up","start":1008.23,"end":1008.39,"confidence":0.9998173,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4185433685779571},{"word":"in","start":1008.39,"end":1008.55,"confidence":0.99975926,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4915987253189087},{"word":"that","start":1008.55,"end":1008.71,"confidence":0.9996338,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5079363584518433},{"word":"sort","start":1008.71,"end":1008.95,"confidence":0.9987691,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3543699383735657},{"word":"of","start":1008.95,"end":1009.11,"confidence":0.99962056,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4852866232395172},{"word":"direction","start":1009.11,"end":1009.51,"confidence":0.99905545,"punctuated_word":"direction","sentiment":"positive","sentiment_score":0.5066226720809937},{"word":"over","start":1009.51,"end":1009.67,"confidence":0.93029886,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.40521180629730225},{"word":"the","start":1009.67,"end":1009.75,"confidence":0.9997558,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40230903029441833},{"word":"next","start":1009.75,"end":1009.99,"confidence":0.9990947,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.3135792016983032},{"word":"sort","start":1009.99,"end":1010.15,"confidence":0.97810704,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.27144232392311096},{"word":"of","start":1010.15,"end":1010.31,"confidence":0.99638164,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34711211919784546},{"word":"five","start":1010.31,"end":1010.55,"confidence":0.9994423,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.29365167021751404},{"word":"to","start":1010.55,"end":1010.71,"confidence":0.99848145,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2732808589935303},{"word":"six","start":1010.71,"end":1010.95,"confidence":0.99957246,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.26708102226257324},{"word":"years","start":1010.95,"end":1011.435,"confidence":0.7700844,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.21474629640579224},{"word":"but","start":1011.915,"end":1012.15497,"confidence":0.9665061,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13333363831043243},{"word":"it","start":1012.15497,"end":1012.315,"confidence":0.99960977,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13458774983882904},{"word":"really","start":1012.315,"end":1012.475,"confidence":0.99935085,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1036057025194168},{"word":"just","start":1012.475,"end":1012.715,"confidence":0.9934662,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14046277105808258},{"word":"depends","start":1012.715,"end":1013.035,"confidence":0.99982065,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.14700472354888916},{"word":"upon","start":1013.035,"end":1013.275,"confidence":0.9371208,"punctuated_word":"upon","sentiment":"neutral","sentiment_score":0.12662367522716522},{"word":"what","start":1013.275,"end":1013.435,"confidence":0.99698144,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04818054288625717},{"word":"the","start":1013.435,"end":1013.595,"confidence":0.99960285,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049178481101989746},{"word":"market","start":1013.595,"end":1013.995,"confidence":0.99891865,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.10624898225069046},{"word":"does","start":1013.995,"end":1014.15497,"confidence":0.8753017,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.04924169182777405},{"word":"but","start":1014.15497,"end":1014.315,"confidence":0.9664402,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03439890965819359},{"word":"you","start":1014.315,"end":1014.475,"confidence":0.9997856,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07625684142112732},{"word":"will","start":1014.475,"end":1014.715,"confidence":0.9999058,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10223042964935304},{"word":"see","start":1014.715,"end":1014.835,"confidence":0.9996512,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08725457638502121},{"word":"a","start":1014.835,"end":1014.955,"confidence":0.99964833,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0932598039507866},{"word":"bit","start":1014.955,"end":1015.115,"confidence":0.99986005,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08700092136859894},{"word":"of","start":1015.115,"end":1015.275,"confidence":0.999853,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12918515503406525},{"word":"a","start":1015.275,"end":1015.435,"confidence":0.99891925,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11417542397975922},{"word":"projection","start":1015.435,"end":1015.935,"confidence":0.9965926,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.0804964080452919},{"word":"in","start":1015.995,"end":1016.075,"confidence":0.9978048,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11048494279384612},{"word":"there","start":1016.075,"end":1016.315,"confidence":0.9972349,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1685677170753479},{"word":"for","start":1016.315,"end":1016.555,"confidence":0.9999038,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11817872524261476},{"word":"you","start":1016.555,"end":1017.035,"confidence":0.99980325,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1160045936703682},{"word":"okay","start":1017.035,"end":1017.535,"confidence":0.79034334,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08044139295816422},{"word":"perfect","start":1018.475,"end":1018.975,"confidence":0.98335195,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6993749141693115},{"word":"with","start":1019.915,"end":1020.075,"confidence":0.9655505,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.27867287397384644},{"word":"the","start":1020.075,"end":1020.235,"confidence":0.99926585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2807105481624603},{"word":"way","start":1020.235,"end":1020.635,"confidence":0.99969053,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.3100511133670807},{"word":"with","start":1020.635,"end":1020.795,"confidence":0.99860865,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22201652824878693},{"word":"the","start":1020.795,"end":1020.955,"confidence":0.9996666,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23379206657409668},{"word":"way","start":1020.955,"end":1021.115,"confidence":0.99992454,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.20329095423221588},{"word":"we","start":1021.115,"end":1021.355,"confidence":0.99636346,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16150356829166412},{"word":"are","start":1021.355,"end":1021.515,"confidence":0.99963856,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18768192827701569},{"word":"tracking","start":1021.515,"end":1021.915,"confidence":0.9879317,"punctuated_word":"tracking,","sentiment":"neutral","sentiment_score":0.1895465850830078},{"word":"as","start":1021.915,"end":1022.075,"confidence":0.999108,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19557426869869232},{"word":"i","start":1022.075,"end":1022.235,"confidence":0.997693,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1837511956691742},{"word":"kinda","start":1022.235,"end":1022.555,"confidence":0.964573,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.170639306306839},{"word":"mentioned","start":1022.555,"end":1022.875,"confidence":0.9745326,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.16417905688285828},{"word":"i've","start":1022.875,"end":1023.035,"confidence":0.76129425,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11404719203710556},{"word":"scoped","start":1023.035,"end":1023.355,"confidence":0.81843066,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.11184287071228027},{"word":"in","start":1023.355,"end":1023.595,"confidence":0.95005465,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1079784482717514},{"word":"retirement","start":1023.595,"end":1024.095,"confidence":0.99784577,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1260460615158081},{"word":"just","start":1024.155,"end":1024.5,"confidence":0.989437,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1098162680864334},{"word":"to","start":1024.5,"end":1024.66,"confidence":0.8241545,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10643582791090012},{"word":"a","start":1024.66,"end":1024.74,"confidence":0.9940404,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09295579046010972},{"word":"limited","start":1024.74,"end":1024.98,"confidence":0.9998591,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.06580542027950287},{"word":"scope","start":1024.98,"end":1025.38,"confidence":0.981552,"punctuated_word":"scope.","sentiment":"neutral","sentiment_score":0.09410613030195236},{"word":"you","start":1025.38,"end":1025.62,"confidence":0.99935275,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12489693611860277},{"word":"still","start":1025.62,"end":1025.86,"confidence":0.62726885,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10044395923614502},{"word":"got","start":1025.86,"end":1026.1,"confidence":0.9964083,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10121187567710876},{"word":"over","start":1026.1,"end":1026.34,"confidence":0.99977654,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09599164128303528},{"word":"ten","start":1026.34,"end":1026.58,"confidence":0.99979323,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.08958974480628967},{"word":"years","start":1026.58,"end":1026.82,"confidence":0.99981815,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07487477362155914},{"word":"to","start":1026.82,"end":1026.98,"confidence":0.93734807,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09359133988618852},{"word":"go","start":1026.98,"end":1027.14,"confidence":0.78352106,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.11391281336545944},{"word":"so","start":1027.14,"end":1027.64,"confidence":0.99925584,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11903445422649384},{"word":"there","start":1027.94,"end":1028.1,"confidence":0.6660361,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1359473019838333},{"word":"can","start":1028.1,"end":1028.34,"confidence":0.9995813,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.135761097073555},{"word":"be","start":1028.34,"end":1028.5,"confidence":0.9985049,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1329374760389328},{"word":"some","start":1028.5,"end":1028.66,"confidence":0.99945015,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07491334527730942},{"word":"changes","start":1028.66,"end":1029.06,"confidence":0.8616002,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1171240508556366},{"word":"and","start":1029.06,"end":1029.3,"confidence":0.98527896,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13509906828403473},{"word":"i","start":1029.3,"end":1029.38,"confidence":0.9997414,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20533020794391632},{"word":"wanna","start":1029.38,"end":1029.7,"confidence":0.99724007,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.28588536381721497},{"word":"kinda","start":1029.7,"end":1029.94,"confidence":0.9877752,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.261349618434906},{"word":"keep","start":1029.94,"end":1030.18,"confidence":0.9993961,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.26495301723480225},{"word":"you","start":1030.18,"end":1030.34,"confidence":0.99964,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.284305602312088},{"word":"on","start":1030.34,"end":1030.58,"confidence":0.998838,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.30537793040275574},{"word":"track","start":1030.58,"end":1030.82,"confidence":0.9719306,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.19378486275672913},{"word":"but","start":1030.82,"end":1030.98,"confidence":0.91030955,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.09625574946403503},{"word":"realistically","start":1030.98,"end":1031.48,"confidence":0.9986795,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.1075618863105774},{"word":"with","start":1031.7,"end":1031.94,"confidence":0.96179724,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12184371799230576},{"word":"making","start":1031.94,"end":1032.18,"confidence":0.99985397,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.17306843400001526},{"word":"these","start":1032.18,"end":1032.42,"confidence":0.99332786,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.12210483849048616},{"word":"changes","start":1032.42,"end":1032.92,"confidence":0.81775856,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.12676899135112762},{"word":"with","start":1033.54,"end":1033.7,"confidence":0.9689077,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19059371948242188},{"word":"the","start":1033.7,"end":1033.78,"confidence":0.99956185,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13577553629875183},{"word":"markets","start":1033.78,"end":1034.26,"confidence":0.82626384,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.12119284272193909},{"word":"working","start":1034.26,"end":1034.66,"confidence":0.89519817,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.20826952159404755},{"word":"hopefully","start":1034.66,"end":1035.06,"confidence":0.9812037,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.2926543951034546},{"word":"the","start":1035.06,"end":1035.14,"confidence":0.9983443,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30846264958381653},{"word":"way","start":1035.14,"end":1035.3,"confidence":0.9997068,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.31863799691200256},{"word":"they","start":1035.3,"end":1035.8,"confidence":0.99735653,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2257588803768158},{"word":"have","start":1035.94,"end":1036.44,"confidence":0.86746943,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.22393958270549777},{"word":"essentially","start":1036.82,"end":1037.22,"confidence":0.90061975,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.14803194999694824},{"word":"with","start":1037.22,"end":1037.38,"confidence":0.92277116,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19407056272029877},{"word":"changes","start":1037.38,"end":1037.86,"confidence":0.9940917,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.17743661999702454},{"word":"there","start":1037.86,"end":1038.1,"confidence":0.9884149,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.15164390206336975},{"word":"we","start":1038.1,"end":1038.26,"confidence":0.99837995,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17692223191261292},{"word":"can","start":1038.26,"end":1038.5,"confidence":0.9971269,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2167387753725052},{"word":"sort","start":1038.5,"end":1038.66,"confidence":0.98698145,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12679097056388855},{"word":"of","start":1038.66,"end":1038.9,"confidence":0.9953081,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15432217717170715},{"word":"expect","start":1038.9,"end":1039.22,"confidence":0.99821824,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.11518226563930511},{"word":"when","start":1039.22,"end":1039.38,"confidence":0.91245514,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1911892890930176},{"word":"you","start":1039.38,"end":1039.54,"confidence":0.9903976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26201486587524414},{"word":"get","start":1039.54,"end":1039.7,"confidence":0.9755933,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2343662679195404},{"word":"to","start":1039.7,"end":1039.78,"confidence":0.9302445,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2325761616230011},{"word":"the","start":1039.78,"end":1039.94,"confidence":0.9236124,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22733911871910095},{"word":"age","start":1039.94,"end":1040.18,"confidence":0.95742637,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.19227664172649384},{"word":"of","start":1040.18,"end":1040.475,"confidence":0.8022323,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2037275433540344},{"word":"65","start":1040.5549,"end":1040.955,"confidence":0.96027386,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.2412239909172058},{"word":"there","start":1040.955,"end":1041.455,"confidence":0.9299868,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.21826735138893127},{"word":"that","start":1041.835,"end":1041.995,"confidence":0.96917176,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23765325546264648},{"word":"you","start":1041.995,"end":1042.235,"confidence":0.83647114,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32353049516677856},{"word":"are","start":1042.235,"end":1042.735,"confidence":0.99738127,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28110235929489136},{"word":"almost","start":1042.955,"end":1043.355,"confidence":0.9946208,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.20189571380615232},{"word":"on","start":1043.355,"end":1043.595,"confidence":0.9989158,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.26911473274230957},{"word":"track","start":1043.595,"end":1043.835,"confidence":0.99960154,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.29912278056144714},{"word":"to","start":1043.835,"end":1043.995,"confidence":0.9997049,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25548961758613586},{"word":"kinda","start":1043.995,"end":1044.235,"confidence":0.97871006,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.17574678361415863},{"word":"meet","start":1044.235,"end":1044.475,"confidence":0.98123896,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.2811051309108734},{"word":"your","start":1044.475,"end":1044.635,"confidence":0.99941444,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30884259939193726},{"word":"goals","start":1044.635,"end":1044.955,"confidence":0.85945725,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.13800211250782013},{"word":"so","start":1044.955,"end":1045.275,"confidence":0.9992176,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009219124913215635},{"word":"we","start":1045.275,"end":1045.4349,"confidence":0.9997124,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.007435902953147888},{"word":"sort","start":1045.4349,"end":1045.595,"confidence":0.9807962,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.010189801454544067},{"word":"of","start":1045.595,"end":1045.755,"confidence":0.5360195,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00363023579120636},{"word":"talked","start":1045.755,"end":1046.075,"confidence":0.9959402,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.002765059471130371},{"word":"about","start":1046.075,"end":1046.5549,"confidence":0.9993506,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005973346531391144},{"word":"drawing","start":1046.5549,"end":1047.035,"confidence":0.9844111,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.024325557053089145},{"word":"down","start":1047.035,"end":1047.355,"confidence":0.8837254,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.002554967999458313},{"word":"regular","start":1047.355,"end":1047.835,"confidence":0.98704183,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":-0.07416954636573792},{"word":"income","start":1047.835,"end":1048.315,"confidence":0.99992824,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.05231437832117081},{"word":"of","start":1048.315,"end":1048.475,"confidence":0.99965,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0365804135799408},{"word":"about","start":1048.475,"end":1048.875,"confidence":0.99913174,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05939527601003647},{"word":"35,000","start":1048.875,"end":1049.835,"confidence":0.99922544,"punctuated_word":"35,000","sentiment":"neutral","sentiment_score":-0.04054663330316544},{"word":"on","start":1049.835,"end":1049.995,"confidence":0.9996841,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0743820071220398},{"word":"a","start":1049.995,"end":1050.075,"confidence":0.9997167,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02552040293812752},{"word":"yearly","start":1050.075,"end":1050.475,"confidence":0.9998858,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":-0.025079919025301933},{"word":"basis","start":1050.475,"end":1050.875,"confidence":0.99957484,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":-0.006046809256076813},{"word":"there","start":1050.875,"end":1051.375,"confidence":0.9948865,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04329904541373253},{"word":"essentially","start":1052.155,"end":1052.655,"confidence":0.98594594,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.16516061127185822},{"word":"this","start":1052.715,"end":1052.875,"confidence":0.9998628,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3090337812900543},{"word":"is","start":1052.875,"end":1053.035,"confidence":0.9980849,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3180750608444214},{"word":"almost","start":1053.035,"end":1053.4349,"confidence":0.9987174,"punctuated_word":"almost","sentiment":"positive","sentiment_score":0.3577980399131775},{"word":"keeping","start":1053.4349,"end":1053.835,"confidence":0.9978448,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.40626978874206543},{"word":"you","start":1053.835,"end":1054.075,"confidence":0.9990169,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44880956411361694},{"word":"on","start":1054.075,"end":1054.155,"confidence":0.9990933,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.43287044763565063},{"word":"track","start":1054.155,"end":1054.53,"confidence":0.9997166,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.41534188389778137},{"word":"and","start":1054.77,"end":1055.01,"confidence":0.9864385,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3905949294567108},{"word":"having","start":1055.01,"end":1055.49,"confidence":0.9992175,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4677516520023346},{"word":"super","start":1055.49,"end":1055.81,"confidence":0.9203258,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4414748549461365},{"word":"last","start":1055.81,"end":1056.13,"confidence":0.8659969,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.39011138677597046},{"word":"to","start":1056.13,"end":1056.2101,"confidence":0.6977754,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3006057143211365},{"word":"about","start":1056.2101,"end":1056.4501,"confidence":0.9097574,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.25936952233314514},{"word":"age","start":1056.4501,"end":1056.85,"confidence":0.97386485,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.3130597174167633},{"word":"91","start":1056.85,"end":1057.5701,"confidence":0.95361376,"punctuated_word":"91.","sentiment":"neutral","sentiment_score":0.293264240026474},{"word":"so","start":1057.5701,"end":1058.0701,"confidence":0.9989679,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2537135183811188},{"word":"you","start":1058.13,"end":1058.29,"confidence":0.9868162,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4118380844593048},{"word":"can","start":1058.29,"end":1058.61,"confidence":0.99984694,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3919374942779541},{"word":"draw","start":1058.61,"end":1059.0901,"confidence":0.9974251,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.3252317011356354},{"word":"certainly","start":1059.0901,"end":1059.49,"confidence":0.8501757,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.30854669213294983},{"word":"more","start":1059.49,"end":1059.89,"confidence":0.99868363,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.25885435938835144},{"word":"money","start":1059.89,"end":1060.29,"confidence":0.9998777,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3878430128097534},{"word":"out","start":1060.29,"end":1060.4501,"confidence":0.9957165,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3496467173099518},{"word":"than","start":1060.4501,"end":1060.61,"confidence":0.98491293,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.3025299608707428},{"word":"what","start":1060.61,"end":1060.85,"confidence":0.99956125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15342657268047333},{"word":"we","start":1060.85,"end":1060.93,"confidence":0.9998796,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16935661435127258},{"word":"can","start":1060.93,"end":1061.17,"confidence":0.9996724,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11805465817451476},{"word":"sort","start":1061.17,"end":1061.41,"confidence":0.9610378,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06590710580348969},{"word":"of","start":1061.41,"end":1061.5701,"confidence":0.7894727,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10765017569065094},{"word":"see","start":1061.5701,"end":1061.73,"confidence":0.9782683,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11613136529922484},{"word":"with","start":1061.73,"end":1061.97,"confidence":0.99852365,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14084938168525696},{"word":"regards","start":1061.97,"end":1062.4501,"confidence":0.84874004,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.17199134826660156},{"word":"to","start":1062.4501,"end":1062.53,"confidence":0.99515426,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24535438418388367},{"word":"this","start":1062.53,"end":1062.85,"confidence":0.9934727,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.19346539676189425},{"word":"it","start":1062.85,"end":1063.01,"confidence":0.9961326,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1013258621096611},{"word":"just","start":1063.01,"end":1063.25,"confidence":0.9993837,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09714368730783464},{"word":"means","start":1063.25,"end":1063.41,"confidence":0.9995572,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.08164960891008377},{"word":"that","start":1063.41,"end":1063.65,"confidence":0.9998797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10331238806247713},{"word":"the","start":1063.65,"end":1063.81,"confidence":0.9823063,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07703756541013718},{"word":"super","start":1063.81,"end":1064.13,"confidence":0.9851822,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15282347798347473},{"word":"doesn't","start":1064.13,"end":1064.4501,"confidence":0.9988091,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.06131948158144951},{"word":"last","start":1064.4501,"end":1064.77,"confidence":0.9995492,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.037752665579319},{"word":"as","start":1064.77,"end":1065.01,"confidence":0.9819971,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03491482883691788},{"word":"long","start":1065.01,"end":1065.51,"confidence":0.9577854,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":0.05716091766953468},{"word":"but","start":1065.81,"end":1066.05,"confidence":0.97463995,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03339267894625664},{"word":"given","start":1066.05,"end":1066.55,"confidence":0.99161017,"punctuated_word":"given,","sentiment":"neutral","sentiment_score":0.03023017011582851},{"word":"yeah","start":1067.235,"end":1067.715,"confidence":0.99694556,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04670296609401703},{"word":"but","start":1067.715,"end":1067.955,"confidence":0.98884344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.031616851687431335},{"word":"given","start":1067.955,"end":1068.275,"confidence":0.9987502,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.04272293299436569},{"word":"when","start":1068.355,"end":1068.515,"confidence":0.99774456,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04432972893118858},{"word":"we","start":1068.515,"end":1068.675,"confidence":0.99976104,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06492279469966888},{"word":"get","start":1068.675,"end":1068.835,"confidence":0.9997527,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01751968264579773},{"word":"closer","start":1068.835,"end":1069.155,"confidence":0.99596786,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.013779930770397186},{"word":"to","start":1069.155,"end":1069.395,"confidence":0.99847144,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037358079105615616},{"word":"it","start":1069.395,"end":1069.555,"confidence":0.9949548,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04627417027950287},{"word":"one","start":1069.555,"end":1069.715,"confidence":0.99990034,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.048334553837776184},{"word":"of","start":1069.715,"end":1069.795,"confidence":0.9969547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04993421211838722},{"word":"the","start":1069.795,"end":1069.955,"confidence":0.99797827,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04785516858100891},{"word":"things","start":1069.955,"end":1070.195,"confidence":0.9993863,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07141751796007156},{"word":"i'll","start":1070.195,"end":1070.355,"confidence":0.78990173,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07604734599590302},{"word":"also","start":1070.355,"end":1070.755,"confidence":0.99914753,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0604298897087574},{"word":"factor","start":1070.755,"end":1071.075,"confidence":0.91258717,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.07621945440769196},{"word":"in","start":1071.075,"end":1071.235,"confidence":0.9840517,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07585541903972626},{"word":"is","start":1071.235,"end":1071.395,"confidence":0.9654399,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.045896656811237335},{"word":"the","start":1071.395,"end":1071.555,"confidence":0.9957705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045783862471580505},{"word":"age","start":1071.555,"end":1071.795,"confidence":0.9129789,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.014389321208000185},{"word":"pension","start":1071.795,"end":1072.275,"confidence":0.9964412,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.013935178518295288},{"word":"side","start":1072.275,"end":1072.515,"confidence":0.9924446,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.043081097304821014},{"word":"of","start":1072.515,"end":1072.595,"confidence":0.99856204,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.041440773755311966},{"word":"things","start":1072.595,"end":1072.995,"confidence":0.9886569,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.033344052731990814},{"word":"so","start":1072.995,"end":1073.495,"confidence":0.99883384,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08321219682693481},{"word":"when","start":1074.035,"end":1074.275,"confidence":0.93278134,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05529067665338516},{"word":"we","start":1074.275,"end":1074.435,"confidence":0.999931,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06761236488819122},{"word":"get","start":1074.435,"end":1074.595,"confidence":0.9997789,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0380273163318634},{"word":"closer","start":1074.595,"end":1074.995,"confidence":0.94205177,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":0.048191457986831665},{"word":"we","start":1074.995,"end":1075.075,"confidence":0.99955434,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06990371644496918},{"word":"can","start":1075.075,"end":1075.235,"confidence":0.9996426,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06521497666835785},{"word":"talk","start":1075.235,"end":1075.555,"confidence":0.99965644,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.056565798819065094},{"word":"more","start":1075.555,"end":1075.715,"confidence":0.999554,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.028734035789966583},{"word":"about","start":1075.715,"end":1075.875,"confidence":0.99981874,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04050380736589432},{"word":"your","start":1075.875,"end":1076.035,"confidence":0.99948597,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03992477059364319},{"word":"level","start":1076.035,"end":1076.275,"confidence":0.7960833,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":0.04916588217020035},{"word":"given","start":1076.275,"end":1076.515,"confidence":0.9993788,"punctuated_word":"Given","sentiment":"neutral","sentiment_score":0.07488948106765747},{"word":"your","start":1076.515,"end":1076.755,"confidence":0.9995159,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05483623966574669},{"word":"current","start":1076.755,"end":1077.155,"confidence":0.99737215,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.00935862958431244},{"word":"circumstances","start":1077.155,"end":1077.655,"confidence":0.9976992,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":0.08897601813077927},{"word":"it","start":1077.795,"end":1077.955,"confidence":0.9989862,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16936863958835602},{"word":"looks","start":1077.955,"end":1078.115,"confidence":0.8629184,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.18242087960243225},{"word":"like","start":1078.115,"end":1078.275,"confidence":0.9985514,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21030135452747345},{"word":"you","start":1078.275,"end":1078.435,"confidence":0.99873465,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2002635896205902},{"word":"should","start":1078.435,"end":1078.675,"confidence":0.9998424,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2020835280418396},{"word":"be","start":1078.675,"end":1078.755,"confidence":0.9985654,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15805579721927643},{"word":"eligible","start":1078.755,"end":1079.155,"confidence":0.99974114,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.17482087016105652},{"word":"for","start":1079.155,"end":1079.3151,"confidence":0.9963898,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16055898368358612},{"word":"a","start":1079.3151,"end":1079.395,"confidence":0.8286825,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12161216884851456},{"word":"bit","start":1079.395,"end":1079.475,"confidence":0.95276725,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11853637546300888},{"word":"of","start":1079.475,"end":1079.635,"confidence":0.98710465,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08805907517671585},{"word":"age","start":1079.635,"end":1079.795,"confidence":0.96749854,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.07555996626615524},{"word":"pension","start":1079.795,"end":1080.195,"confidence":0.9982304,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.09017778187990189},{"word":"around","start":1080.195,"end":1080.435,"confidence":0.97822434,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.07282104343175888},{"word":"age","start":1080.435,"end":1080.93,"confidence":0.9390129,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.09056668728590012},{"word":"seven","start":1081.0901,"end":1081.3301,"confidence":0.9981077,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.12397328019142152},{"word":"as","start":1081.3301,"end":1081.6501,"confidence":0.99975175,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12937691807746887},{"word":"well","start":1081.6501,"end":1081.9701,"confidence":0.97492146,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1531503200531006},{"word":"which","start":1081.9701,"end":1082.2101,"confidence":0.9997696,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1356951743364334},{"word":"means","start":1082.2101,"end":1082.4501,"confidence":0.99984956,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.10526267439126968},{"word":"we","start":1082.4501,"end":1082.6101,"confidence":0.9969221,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1033269539475441},{"word":"can","start":1082.6101,"end":1082.6901,"confidence":0.9978034,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1577823907136917},{"word":"draw","start":1082.6901,"end":1082.93,"confidence":0.9642233,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.13925738632678986},{"word":"a","start":1082.93,"end":1083.01,"confidence":0.999074,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04883646219968796},{"word":"little","start":1083.01,"end":1083.17,"confidence":0.9993625,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.015864044427871704},{"word":"bit","start":1083.17,"end":1083.3301,"confidence":0.9968194,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01805533468723297},{"word":"less","start":1083.3301,"end":1083.4901,"confidence":0.9719231,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.0491875559091568},{"word":"out","start":1083.4901,"end":1083.7301,"confidence":0.9740335,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.004906371235847473},{"word":"of","start":1083.7301,"end":1083.89,"confidence":0.9938234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03130488097667694},{"word":"super","start":1083.89,"end":1084.13,"confidence":0.84733295,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26342886686325073},{"word":"and","start":1084.13,"end":1084.29,"confidence":0.98391736,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12986265122890472},{"word":"give","start":1084.29,"end":1084.53,"confidence":0.9995326,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.130811870098114},{"word":"you","start":1084.53,"end":1084.6901,"confidence":0.99899906,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34906429052352905},{"word":"longevity","start":1084.6901,"end":1085.1901,"confidence":0.9970391,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.3219892680644989},{"word":"down","start":1085.41,"end":1085.7301,"confidence":0.9977036,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3802482485771179},{"word":"down","start":1085.7301,"end":1085.9701,"confidence":0.9840306,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3649464249610901},{"word":"the","start":1085.9701,"end":1086.13,"confidence":0.9986928,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2424524426460266},{"word":"way","start":1086.13,"end":1086.37,"confidence":0.99937564,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.3060458302497864},{"word":"as","start":1086.37,"end":1086.53,"confidence":0.9997892,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2742197513580322},{"word":"well","start":1086.53,"end":1086.77,"confidence":0.9069625,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1422032117843628},{"word":"but","start":1086.77,"end":1087.01,"confidence":0.999411,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1280600130558014},{"word":"i'll","start":1087.01,"end":1087.17,"confidence":0.9998696,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1690845787525177},{"word":"keep","start":1087.17,"end":1087.3301,"confidence":0.9997311,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14633941650390625},{"word":"you","start":1087.3301,"end":1087.8301,"confidence":0.9997321,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17975381016731262},{"word":"updated","start":1088.13,"end":1088.53,"confidence":0.7420973,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.23950952291488647},{"word":"we'll","start":1088.53,"end":1088.77,"confidence":0.99906206,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2258375734090805},{"word":"keep","start":1088.77,"end":1089.01,"confidence":0.9998679,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.23412244021892548},{"word":"reviewing","start":1089.01,"end":1089.4901,"confidence":0.9995004,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.19836175441741943},{"word":"this","start":1089.4901,"end":1089.7301,"confidence":0.99015534,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.41320177912712097},{"word":"and","start":1089.7301,"end":1089.89,"confidence":0.9930951,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33430537581443787},{"word":"keep","start":1089.89,"end":1090.13,"confidence":0.99934095,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3875023424625397},{"word":"you","start":1090.13,"end":1090.29,"confidence":0.9993799,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3644821345806122},{"word":"on","start":1090.29,"end":1090.53,"confidence":0.99891996,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4773824214935303},{"word":"track","start":1090.53,"end":1090.8501,"confidence":0.99964166,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.46898791193962097},{"word":"there","start":1090.8501,"end":1091.3301,"confidence":0.95225203,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.40024691820144653},{"word":"okay","start":1091.3301,"end":1091.8301,"confidence":0.9883419,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.2196560502052307},{"word":"perfect","start":1092.93,"end":1093.43,"confidence":0.84843266,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7617400884628296},{"word":"i","start":1094.2949,"end":1094.375,"confidence":0.9605005,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.46264296770095825},{"word":"do","start":1094.375,"end":1094.695,"confidence":0.9993631,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4704950153827667},{"word":"have","start":1094.695,"end":1094.855,"confidence":0.99877053,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3835597038269043},{"word":"the","start":1094.855,"end":1095.0149,"confidence":0.9600576,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3734455108642578},{"word":"strategy","start":1095.0149,"end":1095.495,"confidence":0.9992011,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.25934457778930664},{"word":"in","start":1095.495,"end":1095.6549,"confidence":0.99967813,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2583623230457306},{"word":"there","start":1095.6549,"end":1095.815,"confidence":0.9737476,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20485647022724152},{"word":"with","start":1095.815,"end":1096.0549,"confidence":0.99637586,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17576678097248075},{"word":"regard","start":1096.0549,"end":1096.455,"confidence":0.9634212,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.16089780628681183},{"word":"to","start":1096.455,"end":1096.615,"confidence":0.99962604,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22854383289813995},{"word":"the","start":1096.615,"end":1096.7749,"confidence":0.9989225,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2634837031364441},{"word":"sales","start":1096.7749,"end":1097.0149,"confidence":0.8714665,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.2576349079608917},{"word":"back","start":1097.0149,"end":1097.2549,"confidence":0.4551858,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18486827611923215},{"word":"as","start":1097.2549,"end":1097.495,"confidence":0.9976465,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23805969953536987},{"word":"well","start":1097.495,"end":1097.735,"confidence":0.90069866,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2063957154750824},{"word":"it","start":1097.735,"end":1097.815,"confidence":0.5270835,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09926588833332062},{"word":"kinda","start":1097.815,"end":1098.0549,"confidence":0.9853651,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10738241672515868},{"word":"shows","start":1098.0549,"end":1098.2949,"confidence":0.998845,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.05900678411126137},{"word":"you","start":1098.2949,"end":1098.5349,"confidence":0.9989335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08268862217664719},{"word":"i've","start":1098.7749,"end":1099.095,"confidence":0.37191898,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06331956386566162},{"word":"essentially","start":1099.095,"end":1099.4149,"confidence":0.23621336,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07828982174396515},{"word":"the","start":1099.4149,"end":1099.575,"confidence":0.65584195,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0628950223326683},{"word":"difference","start":1099.575,"end":1099.8949,"confidence":0.9983215,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.005331691354513168},{"word":"in","start":1099.8949,"end":1099.975,"confidence":0.9460759,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03890309855341911},{"word":"the","start":1099.975,"end":1100.1349,"confidence":0.99881506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05293632671236992},{"word":"tax","start":1100.1349,"end":1100.5349,"confidence":0.99892896,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08256261050701141},{"word":"consequences","start":1100.5349,"end":1101.0349,"confidence":0.99909496,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.034608207643032074},{"word":"between","start":1101.2549,"end":1101.575,"confidence":0.9992126,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.032492853701114655},{"word":"your","start":1101.575,"end":1101.735,"confidence":0.99983644,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05933252349495888},{"word":"current","start":1101.735,"end":1102.1349,"confidence":0.99938536,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.0280134379863739},{"word":"position","start":1102.1349,"end":1102.5349,"confidence":0.98977834,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.025645174086093903},{"word":"to","start":1102.5349,"end":1102.695,"confidence":0.9962005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04859653487801552},{"word":"the","start":1102.695,"end":1102.855,"confidence":0.9913122,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06061401590704918},{"word":"idea","start":1102.855,"end":1103.2549,"confidence":0.9695537,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.010813616216182709},{"word":"of","start":1103.2549,"end":1103.575,"confidence":0.99850154,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07808738946914673},{"word":"salary","start":1103.575,"end":1104.075,"confidence":0.98088914,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.0653381273150444},{"word":"sacrificing","start":1104.1349,"end":1104.6349,"confidence":0.9681945,"punctuated_word":"sacrificing.","sentiment":"neutral","sentiment_score":0.08706134557723999},{"word":"it","start":1105.4149,"end":1105.6549,"confidence":0.9700332,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.24242980778217316},{"word":"does","start":1105.6549,"end":1105.8949,"confidence":0.9995546,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.32250818610191345},{"word":"kinda","start":1105.8949,"end":1106.215,"confidence":0.9504905,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.22580890357494351},{"word":"provide","start":1106.215,"end":1106.455,"confidence":0.99854183,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.23531068861484528},{"word":"you","start":1106.455,"end":1106.695,"confidence":0.9995085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2781863808631897},{"word":"with","start":1106.695,"end":1106.855,"confidence":0.99886,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31940072774887085},{"word":"the","start":1106.855,"end":1107.0149,"confidence":0.9799273,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24819272756576535},{"word":"benefit","start":1107.0149,"end":1107.495,"confidence":0.99904424,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3374018669128418},{"word":"of","start":1107.495,"end":1107.735,"confidence":0.9994179,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24467997252941132},{"word":"paying","start":1107.735,"end":1107.975,"confidence":0.99982387,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.24417170882225037},{"word":"a","start":1107.975,"end":1108.1349,"confidence":0.999574,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2730337381362915},{"word":"little","start":1108.1349,"end":1108.375,"confidence":0.99991274,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.26320162415504456},{"word":"bit","start":1108.375,"end":1108.5349,"confidence":0.999835,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2748963236808777},{"word":"less","start":1108.5349,"end":1108.855,"confidence":0.99969137,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.14147649705410004},{"word":"income","start":1108.855,"end":1109.335,"confidence":0.9997242,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1787301003932953},{"word":"tax","start":1109.335,"end":1109.79,"confidence":0.9654329,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.24833571910858152},{"word":"which","start":1110.67,"end":1110.8301,"confidence":0.95744944,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.26458507776260376},{"word":"is","start":1110.8301,"end":1111.0701,"confidence":0.9997663,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22580403089523315},{"word":"a","start":1111.0701,"end":1111.15,"confidence":0.99659497,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28151559829711914},{"word":"benefit","start":1111.15,"end":1111.55,"confidence":0.9992229,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2540612816810608},{"word":"to","start":1111.55,"end":1111.7101,"confidence":0.99572104,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2944484055042267},{"word":"you","start":1111.7101,"end":1111.9501,"confidence":0.9965582,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20984019339084625},{"word":"however","start":1111.9501,"end":1112.3501,"confidence":0.9996543,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.007391929626464844},{"word":"the","start":1112.3501,"end":1112.43,"confidence":0.9996637,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09174998849630356},{"word":"disadvantage","start":1112.43,"end":1112.93,"confidence":0.9951462,"punctuated_word":"disadvantage","sentiment":"neutral","sentiment_score":-0.14230841398239136},{"word":"of","start":1113.0701,"end":1113.23,"confidence":0.9795873,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1628515124320984},{"word":"salary","start":1113.23,"end":1113.7101,"confidence":0.9933119,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.24601083993911743},{"word":"sacrificing","start":1113.7101,"end":1114.2101,"confidence":0.8995101,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.17962157726287842},{"word":"is","start":1114.27,"end":1114.43,"confidence":0.98656726,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18805533647537231},{"word":"that","start":1114.43,"end":1114.5901,"confidence":0.98004377,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22344057261943817},{"word":"your","start":1114.5901,"end":1114.75,"confidence":0.9531839,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2800106108188629},{"word":"take","start":1114.75,"end":1114.99,"confidence":0.9987068,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.2091677188873291},{"word":"home","start":1114.99,"end":1115.23,"confidence":0.99681336,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.1675218641757965},{"word":"pay","start":1115.23,"end":1115.39,"confidence":0.99890935,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.23068326711654663},{"word":"is","start":1115.39,"end":1115.63,"confidence":0.9995664,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09223225712776184},{"word":"a","start":1115.63,"end":1115.7101,"confidence":0.9996222,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09903284162282944},{"word":"little","start":1115.7101,"end":1115.87,"confidence":0.9999219,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.12823665142059326},{"word":"bit","start":1115.87,"end":1116.11,"confidence":0.999318,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1448460817337036},{"word":"less","start":1116.11,"end":1116.3501,"confidence":0.99984336,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.1230139136314392},{"word":"as","start":1116.3501,"end":1116.43,"confidence":0.99955064,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09679967164993286},{"word":"well","start":1116.43,"end":1116.67,"confidence":0.9999505,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.09360788762569427},{"word":"because","start":1116.67,"end":1116.91,"confidence":0.8204892,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07614631950855255},{"word":"that","start":1116.91,"end":1117.15,"confidence":0.99552816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09004552662372589},{"word":"$50","start":1117.15,"end":1117.79,"confidence":0.98802644,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":-0.012771107256412506},{"word":"per","start":1117.79,"end":1117.9501,"confidence":0.9987941,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.0059090256690979},{"word":"week","start":1117.9501,"end":1118.1901,"confidence":0.9995289,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.02700106054544449},{"word":"is","start":1118.1901,"end":1118.3501,"confidence":0.9992187,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.012245073914527891},{"word":"going","start":1118.3501,"end":1118.67,"confidence":0.999853,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.014814808964729307},{"word":"into","start":1118.67,"end":1118.99,"confidence":0.7218032,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.015642307698726654},{"word":"super","start":1118.99,"end":1119.49,"confidence":0.78814846,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.022009342908859253},{"word":"but","start":1119.9501,"end":1120.3501,"confidence":0.96758693,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.024726390838623047},{"word":"when","start":1120.3501,"end":1120.51,"confidence":0.9667662,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0016107037663459778},{"word":"i","start":1120.51,"end":1120.67,"confidence":0.99960583,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008329622447490692},{"word":"sort","start":1120.67,"end":1120.91,"confidence":0.96504474,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0224132239818573},{"word":"of","start":1120.91,"end":1120.99,"confidence":0.72923243,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02708323299884796},{"word":"look","start":1120.99,"end":1121.15,"confidence":0.9791685,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.008566118776798248},{"word":"at","start":1121.15,"end":1121.31,"confidence":0.9550055,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0015145689249038696},{"word":"it","start":1121.31,"end":1121.4701,"confidence":0.98563606,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04651892930269241},{"word":"the","start":1121.4701,"end":1121.7101,"confidence":0.9994824,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05370929092168808},{"word":"the","start":1121.7101,"end":1121.9501,"confidence":0.98740745,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07326747477054596},{"word":"advantage","start":1121.9501,"end":1122.43,"confidence":0.99900997,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.15287795662879944},{"word":"of","start":1122.43,"end":1122.51,"confidence":0.9864633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1643972396850586},{"word":"being","start":1122.51,"end":1122.75,"confidence":0.9929427,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.18123604357242584},{"word":"able","start":1122.75,"end":1122.99,"confidence":0.91438824,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.21700775623321533},{"word":"to","start":1122.99,"end":1123.15,"confidence":0.4794218,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23770764470100403},{"word":"want","start":1123.15,"end":1123.39,"confidence":0.55686355,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.22454559803009033},{"word":"more","start":1123.55,"end":1123.7101,"confidence":0.9992805,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.14932933449745178},{"word":"money","start":1123.7101,"end":1124.03,"confidence":0.9987124,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17330056428909302},{"word":"into","start":1124.03,"end":1124.27,"confidence":0.49678704,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2227610349655151},{"word":"super","start":1124.27,"end":1124.5901,"confidence":0.9954091,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1874672770500183},{"word":"and","start":1124.5901,"end":1124.75,"confidence":0.98997,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18211424350738523},{"word":"have","start":1124.75,"end":1124.99,"confidence":0.9905323,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16835951805114746},{"word":"it","start":1124.99,"end":1125.15,"confidence":0.99257857,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23480772972106936},{"word":"invested","start":1125.15,"end":1125.65,"confidence":0.99953365,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.15118837356567383},{"word":"outweighs","start":1126.165,"end":1126.645,"confidence":0.9952551,"punctuated_word":"outweighs","sentiment":"neutral","sentiment_score":0.07252523303031921},{"word":"that","start":1126.645,"end":1126.885,"confidence":0.9973732,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03011938184499741},{"word":"additional","start":1126.885,"end":1127.365,"confidence":0.99605584,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.06667523831129074},{"word":"of","start":1127.365,"end":1127.525,"confidence":0.9214332,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04241266846656799},{"word":"not","start":1127.525,"end":1127.685,"confidence":0.9739546,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05910663306713104},{"word":"of","start":1127.685,"end":1127.925,"confidence":0.59310484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0211799293756485},{"word":"not","start":1127.925,"end":1128.085,"confidence":0.9970835,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04857943952083587},{"word":"having","start":1128.085,"end":1128.405,"confidence":0.99039954,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.03697407245635986},{"word":"that","start":1128.405,"end":1128.5651,"confidence":0.9864218,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015010833740234377},{"word":"in","start":1128.5651,"end":1128.725,"confidence":0.9578745,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04092235118150711},{"word":"your","start":1128.725,"end":1128.885,"confidence":0.9915605,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.015768758952617645},{"word":"take","start":1128.885,"end":1129.125,"confidence":0.9951368,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0025685951113700867},{"word":"home","start":1129.125,"end":1129.365,"confidence":0.9961455,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.01836341619491577},{"word":"pay","start":1129.365,"end":1129.845,"confidence":0.9805628,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.02063780650496483},{"word":"okay","start":1129.845,"end":1130.345,"confidence":0.67859155,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.29398947954177856},{"word":"all","start":1131.845,"end":1132.085,"confidence":0.6241711,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4550038278102875},{"word":"good","start":1132.085,"end":1132.585,"confidence":0.9995018,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.44210919737815857},{"word":"well","start":1133.605,"end":1133.925,"confidence":0.747834,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0719435065984726},{"word":"the","start":1133.925,"end":1134.165,"confidence":0.9992949,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05310734361410141},{"word":"other","start":1134.165,"end":1134.485,"confidence":0.9978448,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.01942789927124977},{"word":"side","start":1134.485,"end":1134.645,"confidence":0.9969414,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.055462807416915894},{"word":"of","start":1134.645,"end":1134.805,"confidence":0.993793,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03880872577428818},{"word":"that","start":1134.805,"end":1134.885,"confidence":0.9906974,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03890843689441681},{"word":"is","start":1134.885,"end":1135.045,"confidence":0.9898808,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04679223150014877},{"word":"just","start":1135.045,"end":1135.285,"confidence":0.9344877,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08506046235561371},{"word":"the","start":1135.285,"end":1135.4451,"confidence":0.995915,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0933585911989212},{"word":"beneficiary","start":1135.4451,"end":1135.9451,"confidence":0.9825623,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.1734021008014679},{"word":"side","start":1136.085,"end":1136.3251,"confidence":0.9949275,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1807704120874405},{"word":"of","start":1136.3251,"end":1136.405,"confidence":0.99920577,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13158442080020905},{"word":"things","start":1136.405,"end":1136.645,"confidence":0.75077957,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.10731793195009232},{"word":"so","start":1136.645,"end":1136.885,"confidence":0.98811215,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08787105977535248},{"word":"i","start":1136.885,"end":1136.965,"confidence":0.9988387,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11084622144699097},{"word":"will","start":1136.965,"end":1137.125,"confidence":0.99961406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11716711521148682},{"word":"make","start":1137.125,"end":1137.285,"confidence":0.9994671,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09412489086389542},{"word":"sure","start":1137.285,"end":1137.525,"confidence":0.99920017,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1113020032644272},{"word":"your","start":1137.525,"end":1137.685,"confidence":0.9898812,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15066580474376678},{"word":"beneficiaries","start":1137.685,"end":1138.185,"confidence":0.9950165,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.16518062353134155},{"word":"are","start":1138.3251,"end":1138.405,"confidence":0.9887511,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15994106233119965},{"word":"up","start":1138.405,"end":1138.68,"confidence":0.98823917,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1578799933195114},{"word":"to","start":1138.68,"end":1138.76,"confidence":0.97527814,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17041826248168945},{"word":"date","start":1138.76,"end":1138.92,"confidence":0.99909055,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.1626940816640854},{"word":"i","start":1138.92,"end":1139.0801,"confidence":0.9998901,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13519936800003052},{"word":"am","start":1139.0801,"end":1139.3201,"confidence":0.9995517,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.15667293965816498},{"word":"recommending","start":1139.3201,"end":1139.8,"confidence":0.9996642,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.19053177535533905},{"word":"that","start":1139.8,"end":1139.9601,"confidence":0.9998964,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18212367594242096},{"word":"we","start":1139.9601,"end":1140.12,"confidence":0.9997799,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17387579381465912},{"word":"do","start":1140.12,"end":1140.28,"confidence":0.9996556,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.191195085644722},{"word":"a","start":1140.28,"end":1140.3601,"confidence":0.9969503,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19036218523979187},{"word":"binding","start":1140.3601,"end":1140.76,"confidence":0.959859,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.23953735828399655},{"word":"non","start":1140.76,"end":1141.0,"confidence":0.5213522,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.13447341322898865},{"word":"lapsing","start":1141.0,"end":1141.4,"confidence":0.8836861,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.08302532136440277},{"word":"beneficiary","start":1141.4,"end":1141.9,"confidence":0.99778724,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.10848873853683472},{"word":"norm","start":1142.12,"end":1142.3601,"confidence":0.99460804,"punctuated_word":"norm","sentiment":"neutral","sentiment_score":0.25547122955322266},{"word":"and","start":1142.3601,"end":1142.6001,"confidence":0.96477383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2046065777540207},{"word":"nominate","start":1142.6001,"end":1143.0,"confidence":0.998516,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.19038403034210205},{"word":"that","start":1143.0,"end":1143.2401,"confidence":0.99952555,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25002095103263855},{"word":"to","start":1143.2401,"end":1143.4,"confidence":0.9918252,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2212287187576294},{"word":"your","start":1143.4,"end":1143.56,"confidence":0.9955396,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18059399724006653},{"word":"spouse","start":1143.56,"end":1144.06,"confidence":0.9798917,"punctuated_word":"spouse.","sentiment":"neutral","sentiment_score":0.2100478857755661},{"word":"that","start":1144.2001,"end":1144.3601,"confidence":0.99941635,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1955917626619339},{"word":"way","start":1144.3601,"end":1144.52,"confidence":0.7990418,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2718316614627838},{"word":"if","start":1144.52,"end":1144.68,"confidence":0.99975854,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3680856227874756},{"word":"anything","start":1144.68,"end":1145.0801,"confidence":0.9997788,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.4008958041667938},{"word":"does","start":1145.0801,"end":1145.3201,"confidence":0.99738246,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.304898202419281},{"word":"happen","start":1145.3201,"end":1145.64,"confidence":0.99224854,"punctuated_word":"happen,","sentiment":"positive","sentiment_score":0.33529871702194214},{"word":"she","start":1145.64,"end":1145.8,"confidence":0.99971086,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2991097867488861},{"word":"gets","start":1145.8,"end":1146.04,"confidence":0.99867874,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.280809223651886},{"word":"a","start":1146.04,"end":1146.12,"confidence":0.9933036,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26452523469924927},{"word":"100%","start":1146.12,"end":1146.76,"confidence":0.99927557,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.3172639012336731},{"word":"of","start":1146.76,"end":1146.8401,"confidence":0.9951066,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3012828826904297},{"word":"the","start":1146.8401,"end":1147.0,"confidence":0.9995009,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34094497561454773},{"word":"benefit","start":1147.0,"end":1147.4801,"confidence":0.9783132,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3645997047424317},{"word":"there","start":1147.4801,"end":1147.7201,"confidence":0.7659752,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.35761862993240356},{"word":"paid","start":1147.7201,"end":1147.9601,"confidence":0.9560312,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.41494444012641907},{"word":"out","start":1147.9601,"end":1148.12,"confidence":0.8485458,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4200079143047333},{"word":"to","start":1148.12,"end":1148.2001,"confidence":0.9948698,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34917619824409485},{"word":"her","start":1148.2001,"end":1148.7001,"confidence":0.9519718,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.2219436913728714},{"word":"and","start":1148.8401,"end":1149.0,"confidence":0.4989354,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1274760514497757},{"word":"i","start":1149.0,"end":1149.16,"confidence":0.99876,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12963682413101196},{"word":"will","start":1149.16,"end":1149.3201,"confidence":0.44947532,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17539413273334503},{"word":"sort","start":1149.3201,"end":1149.56,"confidence":0.98419523,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18248069286346436},{"word":"of","start":1149.56,"end":1149.64,"confidence":0.6281537,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20365771651268005},{"word":"let","start":1149.64,"end":1149.88,"confidence":0.9983444,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1871424913406372},{"word":"everyone","start":1149.88,"end":1150.2001,"confidence":0.96428937,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.2126638889312744},{"word":"know","start":1150.2001,"end":1150.4401,"confidence":0.9976369,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.19874384999275208},{"word":"to","start":1150.4401,"end":1150.6001,"confidence":0.9760458,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17339834570884705},{"word":"let","start":1150.6001,"end":1150.76,"confidence":0.99935013,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.17514333128929138},{"word":"their","start":1150.76,"end":1150.92,"confidence":0.9412419,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.1458349972963333},{"word":"spouse","start":1150.92,"end":1151.2401,"confidence":0.99838746,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.19859424233436584},{"word":"know","start":1151.2401,"end":1151.4,"confidence":0.9986199,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1871193051338196},{"word":"that","start":1151.4,"end":1151.64,"confidence":0.9984273,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1995064318180084},{"word":"you","start":1151.64,"end":1151.8,"confidence":0.9995437,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23176127672195437},{"word":"are","start":1151.8,"end":1151.9601,"confidence":0.9947754,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17796659469604492},{"word":"that","start":1152.04,"end":1152.375,"confidence":0.9995403,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22111107409000397},{"word":"i","start":1152.375,"end":1152.535,"confidence":0.99974877,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1934860795736313},{"word":"am","start":1152.535,"end":1152.695,"confidence":0.97780925,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.2018450498580933},{"word":"your","start":1152.695,"end":1152.855,"confidence":0.9342764,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18469154834747312},{"word":"financial","start":1152.855,"end":1153.335,"confidence":0.99980825,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.1791015863418579},{"word":"adviser","start":1153.335,"end":1153.735,"confidence":0.68557155,"punctuated_word":"adviser,","sentiment":"neutral","sentiment_score":0.184930682182312},{"word":"that","start":1153.735,"end":1153.895,"confidence":0.96803856,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22726425528526303},{"word":"if","start":1153.895,"end":1154.055,"confidence":0.9961893,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20815978944301605},{"word":"anything","start":1154.055,"end":1154.375,"confidence":0.9995566,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.21783018112182617},{"word":"was","start":1154.375,"end":1154.615,"confidence":0.96647835,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1765611618757248},{"word":"to","start":1154.615,"end":1154.695,"confidence":0.9929986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1972421258687973},{"word":"happen","start":1154.695,"end":1155.015,"confidence":0.9975744,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.19515955448150635},{"word":"to","start":1155.015,"end":1155.175,"confidence":0.60983056,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16576354205608368},{"word":"call","start":1155.175,"end":1155.415,"confidence":0.9980081,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1473403126001358},{"word":"me","start":1155.415,"end":1155.575,"confidence":0.9994821,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14759166538715365},{"word":"and","start":1155.575,"end":1155.735,"confidence":0.59546787,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17846427857875824},{"word":"i","start":1155.735,"end":1155.815,"confidence":0.9997596,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2045064866542816},{"word":"can","start":1155.815,"end":1156.055,"confidence":0.99973375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17208465933799744},{"word":"help","start":1156.055,"end":1156.295,"confidence":0.999757,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1963941752910614},{"word":"her","start":1156.295,"end":1156.455,"confidence":0.9853153,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.17328034341335297},{"word":"with","start":1156.455,"end":1156.615,"confidence":0.99941814,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1827644556760788},{"word":"the","start":1156.615,"end":1156.775,"confidence":0.99871993,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12346125394105913},{"word":"claim","start":1156.775,"end":1157.275,"confidence":0.99621516,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.1477007269859314},{"word":"just","start":1157.335,"end":1157.575,"confidence":0.77309257,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09736403077840804},{"word":"to","start":1157.575,"end":1157.735,"confidence":0.9998759,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015291869640350342},{"word":"make","start":1157.735,"end":1157.895,"confidence":0.9997284,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.024911366403102875},{"word":"sure","start":1157.895,"end":1158.135,"confidence":0.99947435,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.033123087137937546},{"word":"things","start":1158.135,"end":1158.455,"confidence":0.998486,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06118638813495636},{"word":"are","start":1158.455,"end":1158.695,"confidence":0.9942741,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03674310818314552},{"word":"done","start":1158.695,"end":1158.935,"confidence":0.9934737,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.030806347727775577},{"word":"along","start":1158.935,"end":1159.175,"confidence":0.96139765,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":0.029654644429683685},{"word":"i","start":1159.175,"end":1159.255,"confidence":0.96540016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0035148262977600098},{"word":"know","start":1159.255,"end":1159.495,"confidence":0.9989248,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.008582528680562973},{"word":"it's","start":1159.495,"end":1159.735,"confidence":0.60715395,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.0006797537207603455},{"word":"you","start":1159.735,"end":1159.815,"confidence":0.99892896,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005030326545238495},{"word":"know","start":1159.815,"end":1160.055,"confidence":0.97964084,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005039868876338005},{"word":"when","start":1160.055,"end":1160.555,"confidence":0.99669623,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0035366490483283997},{"word":"your","start":1160.695,"end":1160.935,"confidence":0.49566326,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02425495907664299},{"word":"times","start":1160.935,"end":1161.175,"confidence":0.6221211,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.02991284802556038},{"word":"where","start":1161.175,"end":1161.495,"confidence":0.57361805,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03263689950108528},{"word":"your","start":1161.495,"end":1161.655,"confidence":0.9804442,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03910428658127785},{"word":"spouse","start":1161.655,"end":1161.975,"confidence":0.997505,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":-0.01750977337360382},{"word":"has","start":1161.975,"end":1162.135,"confidence":0.91786534,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03917938098311424},{"word":"passed","start":1162.135,"end":1162.455,"confidence":0.989995,"punctuated_word":"passed,","sentiment":"neutral","sentiment_score":-0.04265835136175155},{"word":"it","start":1162.455,"end":1162.615,"confidence":0.99318004,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05415817350149155},{"word":"can","start":1162.615,"end":1162.775,"confidence":0.9999107,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.06921348720788956},{"word":"be","start":1162.775,"end":1162.935,"confidence":0.9997516,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0704912468791008},{"word":"a","start":1162.935,"end":1163.095,"confidence":0.99905986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07305571436882019},{"word":"really","start":1163.095,"end":1163.415,"confidence":0.99991906,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12855325639247894},{"word":"difficult","start":1163.415,"end":1163.915,"confidence":0.99965703,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.09354598075151443},{"word":"time","start":1163.975,"end":1164.295,"confidence":0.9938373,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.1214425042271614},{"word":"frame","start":1164.295,"end":1164.695,"confidence":0.90221876,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.08187702298164368},{"word":"so","start":1164.695,"end":1165.195,"confidence":0.9959319,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04911407083272934},{"word":"it's","start":1165.66,"end":1165.8201,"confidence":0.9995995,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07087116688489914},{"word":"important","start":1165.8201,"end":1166.3201,"confidence":0.9998958,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.07987773418426514},{"word":"to","start":1166.38,"end":1166.46,"confidence":0.99975497,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12033627927303314},{"word":"make","start":1166.46,"end":1166.7,"confidence":0.999938,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1099347174167633},{"word":"sure","start":1166.7,"end":1167.02,"confidence":0.99990165,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.13388068974018097},{"word":"that","start":1167.02,"end":1167.26,"confidence":0.99995875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1412631869316101},{"word":"she's","start":1167.26,"end":1167.58,"confidence":0.99975336,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.13575629889965057},{"word":"aware","start":1167.58,"end":1168.08,"confidence":0.9999169,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.1280255913734436},{"word":"of","start":1168.3,"end":1168.46,"confidence":0.99931896,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14116397500038147},{"word":"where","start":1168.46,"end":1168.7,"confidence":0.9990013,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.13075563311576843},{"word":"your","start":1168.7,"end":1168.9401,"confidence":0.9795746,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1188272386789322},{"word":"super","start":1168.9401,"end":1169.26,"confidence":0.5452215,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2075437009334564},{"word":"is","start":1169.26,"end":1169.58,"confidence":0.942757,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.17755550146102905},{"word":"that","start":1169.58,"end":1169.74,"confidence":0.99228597,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.252297580242157},{"word":"you","start":1169.74,"end":1169.98,"confidence":0.99978095,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2165701389312744},{"word":"do","start":1169.98,"end":1170.14,"confidence":0.9991893,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16634085774421692},{"word":"have","start":1170.14,"end":1170.38,"confidence":0.99929476,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1608357131481171},{"word":"a","start":1170.38,"end":1170.54,"confidence":0.9978377,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15214261412620544},{"word":"benefit","start":1170.54,"end":1171.02,"confidence":0.99966717,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.14380666613578796},{"word":"that","start":1171.02,"end":1171.26,"confidence":0.9971385,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27716541290283203},{"word":"she","start":1171.26,"end":1171.42,"confidence":0.9968047,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.22773075103759768},{"word":"can","start":1171.42,"end":1171.66,"confidence":0.9992938,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19405312836170197},{"word":"claim","start":1171.66,"end":1171.98,"confidence":0.99624276,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.23822340369224548},{"word":"on","start":1171.98,"end":1172.14,"confidence":0.9998159,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21027666330337524},{"word":"it","start":1172.14,"end":1172.46,"confidence":0.8424346,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.18127712607383728},{"word":"and","start":1172.46,"end":1172.7,"confidence":0.9217809,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19183972477912903},{"word":"we'll","start":1172.7,"end":1172.9401,"confidence":0.9611956,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2095707654953003},{"word":"help","start":1172.9401,"end":1173.18,"confidence":0.99974424,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2558209002017975},{"word":"you","start":1173.18,"end":1173.26,"confidence":0.9997377,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23134812712669373},{"word":"with","start":1173.26,"end":1173.5,"confidence":0.99986744,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23335927724838257},{"word":"the","start":1173.5,"end":1173.66,"confidence":0.99958855,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21411782503128052},{"word":"beneficiary","start":1173.66,"end":1174.16,"confidence":0.999129,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.18034273386001587},{"word":"nominations","start":1174.3,"end":1174.8,"confidence":0.9991043,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.17219457030296326},{"word":"as","start":1174.9401,"end":1175.1,"confidence":0.9998332,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18437346816062927},{"word":"well","start":1175.1,"end":1175.58,"confidence":0.80242646,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12331493198871613},{"word":"it's","start":1175.58,"end":1175.74,"confidence":0.7423184,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04070739075541496},{"word":"the","start":1175.74,"end":1175.9,"confidence":0.89664096,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0010447725653648376},{"word":"hardest","start":1175.9,"end":1176.3,"confidence":0.9979127,"punctuated_word":"hardest","sentiment":"neutral","sentiment_score":-0.052178554236888885},{"word":"part","start":1176.3,"end":1176.54,"confidence":0.99778193,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.0035398676991462708},{"word":"of","start":1176.54,"end":1176.62,"confidence":0.77675396,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.011595375835895538},{"word":"getting","start":1176.62,"end":1177.02,"confidence":0.99945015,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.010159283876419067},{"word":"someone","start":1177.02,"end":1177.42,"confidence":0.999848,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.001097947359085083},{"word":"to","start":1177.42,"end":1177.58,"confidence":0.99956137,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01096237450838089},{"word":"witness","start":1177.58,"end":1178.08,"confidence":0.99974746,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":0.04056172072887421},{"word":"it","start":1178.14,"end":1178.3,"confidence":0.9725284,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07492217421531677},{"word":"for","start":1178.3,"end":1178.54,"confidence":0.9950034,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.061847023665905},{"word":"you","start":1178.54,"end":1179.04,"confidence":0.99952245,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03980375826358795},{"word":"yeah","start":1180.525,"end":1181.025,"confidence":0.9985486,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.032800331711769104},{"word":"the","start":1181.485,"end":1181.725,"confidence":0.73625016,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02639751508831978},{"word":"only","start":1181.725,"end":1181.965,"confidence":0.99956614,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.0019586682319641113},{"word":"other","start":1181.965,"end":1182.125,"confidence":0.9995913,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.011715758591890337},{"word":"thing","start":1182.125,"end":1182.365,"confidence":0.9994777,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05049453675746918},{"word":"to","start":1182.365,"end":1182.445,"confidence":0.8646206,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03431105241179466},{"word":"kinda","start":1182.445,"end":1182.765,"confidence":0.9874435,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.034469302743673325},{"word":"go","start":1182.765,"end":1183.005,"confidence":0.99424404,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02809702232480049},{"word":"through","start":1183.005,"end":1183.165,"confidence":0.8976405,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03946200758218765},{"word":"with","start":1183.165,"end":1183.325,"confidence":0.9869904,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04249515384435654},{"word":"you","start":1183.325,"end":1183.485,"confidence":0.97013026,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05668041110038757},{"word":"is","start":1183.485,"end":1183.645,"confidence":0.82644427,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.05342681705951691},{"word":"obviously","start":1183.645,"end":1184.045,"confidence":0.99473774,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.06672322750091553},{"word":"there's","start":1184.045,"end":1184.285,"confidence":0.9988817,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.04272634536027908},{"word":"no","start":1184.285,"end":1184.605,"confidence":0.99648404,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.027250822633504868},{"word":"sorry","start":1184.925,"end":1185.325,"confidence":0.7749369,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.006195742636919022},{"word":"insurance","start":1185.325,"end":1185.805,"confidence":0.98504317,"punctuated_word":"Insurance","sentiment":"neutral","sentiment_score":0.00906885415315628},{"word":"recommendations","start":1185.805,"end":1186.305,"confidence":0.88288426,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.0414300262928009},{"word":"this","start":1186.445,"end":1186.685,"confidence":0.99905723,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.07370082288980484},{"word":"advice","start":1186.685,"end":1187.085,"confidence":0.9820562,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09195465594530106},{"word":"has","start":1187.085,"end":1187.325,"confidence":0.9995634,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08808404207229614},{"word":"been","start":1187.325,"end":1187.565,"confidence":0.99664503,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1238437443971634},{"word":"provided","start":1187.565,"end":1188.065,"confidence":0.9971105,"punctuated_word":"provided.","sentiment":"neutral","sentiment_score":0.08942432701587677},{"word":"there's","start":1188.285,"end":1188.525,"confidence":0.9996836,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.08244823664426804},{"word":"no","start":1188.525,"end":1189.005,"confidence":0.9998754,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06597010791301727},{"word":"implementation","start":1189.005,"end":1189.505,"confidence":0.99985385,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.02921653911471367},{"word":"fees","start":1189.965,"end":1190.285,"confidence":0.9436136,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.03136342763900757},{"word":"payable","start":1190.285,"end":1190.785,"confidence":0.8900976,"punctuated_word":"payable.","sentiment":"neutral","sentiment_score":0.0549272820353508},{"word":"but","start":1191.485,"end":1191.645,"confidence":0.9607887,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07964649796485901},{"word":"the","start":1191.645,"end":1191.805,"confidence":0.99913365,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06395348906517029},{"word":"last","start":1191.805,"end":1192.045,"confidence":0.9999529,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.051771555095911026},{"word":"couple","start":1192.045,"end":1192.285,"confidence":0.9997565,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06446222215890884},{"word":"of","start":1192.285,"end":1192.445,"confidence":0.9712128,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09534099698066711},{"word":"years","start":1192.445,"end":1192.685,"confidence":0.9856658,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.1138695552945137},{"word":"we","start":1192.685,"end":1192.845,"confidence":0.9999001,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1216614693403244},{"word":"have","start":1192.845,"end":1193.085,"confidence":0.9998253,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0990050882101059},{"word":"been","start":1193.085,"end":1193.52,"confidence":0.9947613,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.15581515431404114},{"word":"providing","start":1193.76,"end":1194.0,"confidence":0.9994005,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.16351452469825745},{"word":"our","start":1194.0,"end":1194.24,"confidence":0.9728368,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1309628784656525},{"word":"services","start":1194.24,"end":1194.72,"confidence":0.99843436,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.14055746793746948},{"word":"and","start":1194.72,"end":1194.88,"confidence":0.9938618,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16583450138568878},{"word":"looking","start":1194.88,"end":1195.2001,"confidence":0.9997856,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.18290430307388303},{"word":"after","start":1195.2001,"end":1195.52,"confidence":0.9915053,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2454704791307449},{"word":"everything","start":1195.52,"end":1195.92,"confidence":0.99966705,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2432588636875153},{"word":"and","start":1195.92,"end":1196.0801,"confidence":0.9893714,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12352731823921204},{"word":"not","start":1196.0801,"end":1196.24,"confidence":0.99975723,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.09812190383672714},{"word":"charging","start":1196.24,"end":1196.64,"confidence":0.9989281,"punctuated_word":"charging","sentiment":"neutral","sentiment_score":0.09742914140224455},{"word":"an","start":1196.64,"end":1196.8,"confidence":0.9936395,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06254155933856964},{"word":"ongoing","start":1196.8,"end":1197.3,"confidence":0.99935764,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.05132646858692169},{"word":"service","start":1197.36,"end":1197.68,"confidence":0.99832183,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.012654468417167664},{"word":"fee","start":1197.68,"end":1197.92,"confidence":0.8285903,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.02188223227858543},{"word":"so","start":1197.92,"end":1198.0801,"confidence":0.9981173,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07422631233930588},{"word":"i","start":1198.0801,"end":1198.24,"confidence":0.9983851,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10502468794584274},{"word":"am","start":1198.24,"end":1198.4,"confidence":0.9956118,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.09989497065544128},{"word":"gonna","start":1198.4,"end":1198.72,"confidence":0.9986009,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10172462463378906},{"word":"turn","start":1198.72,"end":1198.96,"confidence":0.8313762,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.1313977688550949},{"word":"the","start":1198.96,"end":1199.12,"confidence":0.9957982,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09676004946231842},{"word":"ongoing","start":1199.12,"end":1199.6,"confidence":0.9992698,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10510090738534927},{"word":"service","start":1199.6,"end":1200.0,"confidence":0.9983664,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.0434715636074543},{"word":"fee","start":1200.0,"end":1200.24,"confidence":0.98626095,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.0813208818435669},{"word":"back","start":1200.24,"end":1200.4,"confidence":0.9997713,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07336783409118652},{"word":"on","start":1200.4,"end":1200.9,"confidence":0.9994043,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.0895736813545227},{"word":"it","start":1201.28,"end":1201.4401,"confidence":0.97237444,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11931287497282028},{"word":"is","start":1201.4401,"end":1201.68,"confidence":0.99993837,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11403511464595796},{"word":"1.65%","start":1201.68,"end":1203.2001,"confidence":0.99469244,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.1512989103794098},{"word":"per","start":1203.2001,"end":1203.36,"confidence":0.98726,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.15051694214344025},{"word":"annum","start":1203.36,"end":1203.84,"confidence":0.97323686,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.1177293211221695},{"word":"and","start":1203.84,"end":1204.0,"confidence":0.999729,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09677276015281676},{"word":"it's","start":1204.0,"end":1204.24,"confidence":0.9922956,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10182075202465056},{"word":"deducted","start":1204.24,"end":1204.72,"confidence":0.79321957,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.10958656668663024},{"word":"in","start":1204.72,"end":1204.8,"confidence":0.97410405,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12977883219718933},{"word":"smaller","start":1204.8,"end":1205.2001,"confidence":0.9325903,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.11240170896053314},{"word":"monthly","start":1205.2001,"end":1205.6,"confidence":0.99287003,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.06916213780641556},{"word":"increments","start":1205.6,"end":1206.1,"confidence":0.97049916,"punctuated_word":"increments.","sentiment":"neutral","sentiment_score":0.1055738776922226},{"word":"so","start":1206.24,"end":1206.735,"confidence":0.9925943,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0882088840007782},{"word":"i've","start":1207.135,"end":1207.375,"confidence":0.8846184,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1227112039923668},{"word":"accounted","start":1207.375,"end":1207.695,"confidence":0.99431926,"punctuated_word":"accounted","sentiment":"neutral","sentiment_score":0.11309576034545898},{"word":"for","start":1207.695,"end":1207.9349,"confidence":0.990666,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14117790758609772},{"word":"that","start":1207.9349,"end":1208.095,"confidence":0.994766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14618979394435885},{"word":"as","start":1208.095,"end":1208.335,"confidence":0.9159072,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14087459444999695},{"word":"part","start":1208.335,"end":1208.575,"confidence":0.99878913,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.1543315351009369},{"word":"of","start":1208.575,"end":1208.655,"confidence":0.99915993,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1583336889743805},{"word":"the","start":1208.655,"end":1208.735,"confidence":0.99941325,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13000574707984924},{"word":"projection","start":1208.735,"end":1209.215,"confidence":0.8509562,"punctuated_word":"projection.","sentiment":"neutral","sentiment_score":0.13281695544719696},{"word":"we're","start":1209.215,"end":1209.535,"confidence":0.9995831,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.2554570138454437},{"word":"working","start":1209.535,"end":1210.015,"confidence":0.9997831,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.39588406682014465},{"word":"harder","start":1210.015,"end":1210.495,"confidence":0.9512383,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.35400891304016113},{"word":"towards","start":1210.495,"end":1210.895,"confidence":0.998606,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.4124925136566162},{"word":"your","start":1210.895,"end":1211.0549,"confidence":0.99936754,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.40785083174705505},{"word":"goals","start":1211.0549,"end":1211.375,"confidence":0.94401264,"punctuated_word":"goals,","sentiment":"positive","sentiment_score":0.4031731486320496},{"word":"and","start":1211.375,"end":1211.535,"confidence":0.999879,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3013836741447449},{"word":"the","start":1211.535,"end":1211.775,"confidence":0.9976357,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.349503755569458},{"word":"ongoing","start":1211.775,"end":1212.1749,"confidence":0.99831223,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1948322355747223},{"word":"service","start":1212.1749,"end":1212.575,"confidence":0.98717624,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.170149028301239},{"word":"fee","start":1212.575,"end":1212.735,"confidence":0.9774419,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.2643720209598541},{"word":"doesn't","start":1212.735,"end":1213.135,"confidence":0.99949884,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.15262813866138458},{"word":"have","start":1213.135,"end":1213.295,"confidence":0.9998178,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07539618015289307},{"word":"a","start":1213.295,"end":1213.375,"confidence":0.99933594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07013531774282455},{"word":"huge","start":1213.375,"end":1213.695,"confidence":0.9999614,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":0.10849075019359589},{"word":"impact","start":1213.695,"end":1214.095,"confidence":0.998993,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.10457012802362442},{"word":"on","start":1214.095,"end":1214.255,"confidence":0.99977416,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17605605721473694},{"word":"that","start":1214.255,"end":1214.755,"confidence":0.9296169,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15038281679153442},{"word":"but","start":1214.895,"end":1215.0549,"confidence":0.9358639,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07890870422124863},{"word":"it","start":1215.0549,"end":1215.215,"confidence":0.99771357,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0904362052679062},{"word":"just","start":1215.215,"end":1215.375,"confidence":0.9983682,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08081968873739243},{"word":"means","start":1215.375,"end":1215.615,"confidence":0.98242074,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.07693260908126831},{"word":"that","start":1215.615,"end":1215.855,"confidence":0.99903214,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09584921598434448},{"word":"we're","start":1215.855,"end":1216.015,"confidence":0.9971327,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10247921943664552},{"word":"getting","start":1216.015,"end":1216.335,"confidence":0.9996934,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.10816817730665208},{"word":"paid","start":1216.335,"end":1216.575,"confidence":0.99978274,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.09865865111351012},{"word":"for","start":1216.575,"end":1216.735,"confidence":0.97553027,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08342906832695007},{"word":"our","start":1216.735,"end":1216.895,"confidence":0.98846173,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06089650094509125},{"word":"services","start":1216.895,"end":1217.375,"confidence":0.92203295,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":0.07697395980358124},{"word":"we're","start":1217.375,"end":1217.615,"confidence":0.9923627,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.05830138921737671},{"word":"looking","start":1217.615,"end":1217.9349,"confidence":0.99971145,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.047967419028282166},{"word":"after","start":1217.9349,"end":1218.1749,"confidence":0.9739721,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.12365014851093292},{"word":"things","start":1218.1749,"end":1218.495,"confidence":0.9285272,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.24935874342918396},{"word":"and","start":1218.495,"end":1218.75,"confidence":0.99255776,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12694551050662994},{"word":"and","start":1218.91,"end":1219.07,"confidence":0.99989486,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11879682540893556},{"word":"we'll","start":1219.07,"end":1219.23,"confidence":0.99949396,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.239190936088562},{"word":"keep","start":1219.23,"end":1219.39,"confidence":0.99987376,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2923116087913513},{"word":"updating","start":1219.39,"end":1219.87,"confidence":0.97012806,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.20833204686641693},{"word":"the","start":1219.87,"end":1220.03,"confidence":0.8391131,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2301533669233322},{"word":"advice","start":1220.03,"end":1220.35,"confidence":0.98552746,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.2636616826057434},{"word":"i'll","start":1220.35,"end":1220.51,"confidence":0.9566393,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.35024961829185486},{"word":"keep","start":1220.51,"end":1220.75,"confidence":0.99966156,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3883044719696045},{"word":"looking","start":1220.75,"end":1220.99,"confidence":0.9953375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2614814341068268},{"word":"after","start":1220.99,"end":1221.31,"confidence":0.9882854,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.3834332525730133},{"word":"you","start":1221.31,"end":1221.47,"confidence":0.9966168,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4540737867355346},{"word":"and","start":1221.47,"end":1221.55,"confidence":0.9566364,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36263149976730347},{"word":"working","start":1221.55,"end":1221.95,"confidence":0.9986981,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.4062252640724182},{"word":"towards","start":1221.95,"end":1222.35,"confidence":0.9994646,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.4239201545715332},{"word":"your","start":1222.35,"end":1222.59,"confidence":0.999019,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3675414025783539},{"word":"goals","start":1222.59,"end":1223.09,"confidence":0.7885891,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.23418815433979032},{"word":"but","start":1223.31,"end":1223.47,"confidence":0.7291957,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06609100103378296},{"word":"you'll","start":1223.47,"end":1223.63,"confidence":0.99981046,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06545118987560272},{"word":"see","start":1223.63,"end":1223.87,"confidence":0.99957687,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04836496710777283},{"word":"in","start":1223.87,"end":1224.03,"confidence":0.99273324,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.029103416949510574},{"word":"there","start":1224.03,"end":1224.35,"confidence":0.94818944,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023150119930505753},{"word":"the","start":1224.35,"end":1224.51,"confidence":0.96664685,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03831815347075462},{"word":"ongoing","start":1224.51,"end":1225.01,"confidence":0.9963297,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.03829420357942581},{"word":"service","start":1225.07,"end":1225.47,"confidence":0.71604043,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.021324746310710907},{"word":"fee","start":1225.47,"end":1225.63,"confidence":0.95096785,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.044536978006362915},{"word":"and","start":1225.63,"end":1225.79,"confidence":0.96032906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.042042363435029984},{"word":"what","start":1225.79,"end":1225.95,"confidence":0.99983275,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05045376718044281},{"word":"that","start":1225.95,"end":1226.19,"confidence":0.9998909,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05194850265979767},{"word":"looks","start":1226.19,"end":1226.43,"confidence":0.9889081,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.03832916170358658},{"word":"like","start":1226.43,"end":1226.59,"confidence":0.99908817,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04387212544679642},{"word":"and","start":1226.59,"end":1227.09,"confidence":0.7593588,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.06787485629320145},{"word":"essentially","start":1227.71,"end":1228.19,"confidence":0.95943975,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.08349926769733429},{"word":"how","start":1228.19,"end":1228.43,"confidence":0.9999039,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09653829783201218},{"word":"that","start":1228.43,"end":1228.67,"confidence":0.99992263,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10712079703807832},{"word":"works","start":1228.67,"end":1229.07,"confidence":0.9693884,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":0.06438736617565155},{"word":"but","start":1229.07,"end":1229.39,"confidence":0.9932903,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02715069055557251},{"word":"one","start":1229.39,"end":1229.55,"confidence":0.99915576,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01908024400472641},{"word":"of","start":1229.55,"end":1229.71,"confidence":0.99977046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02027975022792816},{"word":"the","start":1229.71,"end":1229.79,"confidence":0.99967265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028626389801502228},{"word":"big","start":1229.79,"end":1230.03,"confidence":0.99939334,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.03974637389183045},{"word":"things","start":1230.03,"end":1230.27,"confidence":0.99963796,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06605568528175354},{"word":"about","start":1230.27,"end":1230.51,"confidence":0.9924899,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04028795659542084},{"word":"our","start":1230.51,"end":1230.67,"confidence":0.9711485,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03024918958544731},{"word":"fee","start":1230.67,"end":1230.91,"confidence":0.99344593,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.04142766818404198},{"word":"is","start":1230.91,"end":1231.07,"confidence":0.9988643,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06176455318927765},{"word":"that","start":1231.07,"end":1231.31,"confidence":0.99967194,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.054305300116539},{"word":"it","start":1231.31,"end":1231.39,"confidence":0.99033725,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05259372666478157},{"word":"is","start":1231.39,"end":1231.665,"confidence":0.9997824,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.050548654049634933},{"word":"percentage","start":1231.905,"end":1232.305,"confidence":0.99719054,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.04584946855902672},{"word":"based","start":1232.305,"end":1232.625,"confidence":0.68131363,"punctuated_word":"based,","sentiment":"neutral","sentiment_score":0.03140038996934891},{"word":"so","start":1232.625,"end":1232.785,"confidence":0.8021479,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.016848497092723846},{"word":"it","start":1232.785,"end":1232.865,"confidence":0.86039126,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006433829665184021},{"word":"fluctuates","start":1232.865,"end":1233.3451,"confidence":0.9996248,"punctuated_word":"fluctuates","sentiment":"neutral","sentiment_score":0.015613006427884102},{"word":"with","start":1233.3451,"end":1233.505,"confidence":0.99778277,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0029413551092147827},{"word":"the","start":1233.505,"end":1233.665,"confidence":0.9988254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015125133097171783},{"word":"market","start":1233.665,"end":1233.985,"confidence":0.99735105,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.007002085447311401},{"word":"so","start":1233.985,"end":1234.2251,"confidence":0.99903536,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0025153979659080505},{"word":"when","start":1234.2251,"end":1234.385,"confidence":0.99604887,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.013241484761238098},{"word":"the","start":1234.385,"end":1234.4651,"confidence":0.99947244,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02964099496603012},{"word":"market","start":1234.4651,"end":1234.865,"confidence":0.9997392,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.06166711449623108},{"word":"is","start":1234.865,"end":1235.025,"confidence":0.9996824,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03707324713468552},{"word":"doing","start":1235.025,"end":1235.3451,"confidence":0.9998523,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.07832515984773636},{"word":"really","start":1235.3451,"end":1235.5851,"confidence":0.9997502,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.08617288619279861},{"word":"well","start":1235.5851,"end":1236.0851,"confidence":0.99907064,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.10891011357307434},{"word":"it","start":1236.145,"end":1236.305,"confidence":0.9992446,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06017306447029114},{"word":"tells","start":1236.305,"end":1236.545,"confidence":0.84546334,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.06649766862392426},{"word":"me","start":1236.545,"end":1236.7051,"confidence":0.9967512,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06986641883850098},{"word":"that","start":1236.7051,"end":1236.9451,"confidence":0.96922773,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05167467147111893},{"word":"our","start":1236.9451,"end":1237.025,"confidence":0.98081905,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.012745566666126251},{"word":"ongoing","start":1237.025,"end":1237.505,"confidence":0.9988661,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":-0.028600424528121948},{"word":"service","start":1237.505,"end":1237.8251,"confidence":0.99055487,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.036684878170490265},{"word":"fee","start":1237.8251,"end":1237.985,"confidence":0.99352103,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.04533771425485611},{"word":"is","start":1237.985,"end":1238.145,"confidence":0.99931693,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005295224487781525},{"word":"gonna","start":1238.145,"end":1238.385,"confidence":0.9989317,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.020461779087781903},{"word":"be","start":1238.385,"end":1238.545,"confidence":0.9987091,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.020559482276439667},{"word":"a","start":1238.545,"end":1238.625,"confidence":0.9997334,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009466290473937988},{"word":"little","start":1238.625,"end":1238.785,"confidence":0.9999175,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06074918061494827},{"word":"bit","start":1238.785,"end":1239.025,"confidence":0.9995647,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08240830153226852},{"word":"higher","start":1239.025,"end":1239.525,"confidence":0.99828595,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.024714171886444092},{"word":"however","start":1239.665,"end":1239.985,"confidence":0.9994592,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.029798470437526703},{"word":"when","start":1239.985,"end":1240.2251,"confidence":0.99994016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.051083944737911224},{"word":"the","start":1240.2251,"end":1240.385,"confidence":0.9997141,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07040172815322876},{"word":"market","start":1240.385,"end":1240.7051,"confidence":0.9977981,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.0375179722905159},{"word":"does","start":1240.7051,"end":1240.9451,"confidence":0.9987301,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.07363243401050568},{"word":"pay","start":1240.9451,"end":1241.105,"confidence":0.4947685,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.05263262987136841},{"word":"take","start":1241.185,"end":1241.3451,"confidence":0.99908555,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.07224325835704803},{"word":"a","start":1241.3451,"end":1241.425,"confidence":0.99767655,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05250467732548714},{"word":"bit","start":1241.425,"end":1241.5851,"confidence":0.9989736,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09527180343866348},{"word":"of","start":1241.5851,"end":1241.745,"confidence":0.9996977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06519490480422974},{"word":"a","start":1241.745,"end":1241.8251,"confidence":0.99834454,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04514303058385849},{"word":"dip","start":1241.8251,"end":1242.0651,"confidence":0.9951238,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.031009480357170105},{"word":"there","start":1242.0651,"end":1242.5651,"confidence":0.9454894,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.04906688258051872},{"word":"the","start":1242.865,"end":1243.025,"confidence":0.95782214,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.037301890552043915},{"word":"amount","start":1243.025,"end":1243.3451,"confidence":0.9998259,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.05227615684270859},{"word":"we're","start":1243.3451,"end":1243.505,"confidence":0.9924621,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.037926651537418365},{"word":"gonna","start":1243.505,"end":1243.8251,"confidence":0.9972709,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03574667498469353},{"word":"receive","start":1243.8251,"end":1244.2251,"confidence":0.9984314,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":-0.06532278656959534},{"word":"is","start":1244.2251,"end":1244.385,"confidence":0.9987016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04536744207143784},{"word":"slightly","start":1244.385,"end":1244.785,"confidence":0.99981135,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.06440787017345428},{"word":"lower","start":1244.785,"end":1245.105,"confidence":0.9997645,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.0506989061832428},{"word":"as","start":1245.105,"end":1245.3451,"confidence":0.9998667,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03894251585006714},{"word":"well","start":1245.3451,"end":1245.745,"confidence":0.9940192,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.03943488001823425},{"word":"so","start":1245.745,"end":1246.245,"confidence":0.99757785,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04207504913210869},{"word":"i","start":1246.5599,"end":1246.72,"confidence":0.9997002,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07373739778995514},{"word":"just","start":1246.72,"end":1246.7999,"confidence":0.9998685,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0777861624956131},{"word":"wanted","start":1246.7999,"end":1247.0,"confidence":0.98838615,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09034664928913116},{"word":"to","start":1247.0,"end":1247.2,"confidence":0.9990164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09572118520736694},{"word":"be","start":1247.2,"end":1247.36,"confidence":0.99986446,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06764712929725647},{"word":"open","start":1247.36,"end":1247.6,"confidence":0.9997881,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.08616843074560165},{"word":"and","start":1247.6,"end":1247.84,"confidence":0.9997776,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11315274238586426},{"word":"honest","start":1247.84,"end":1248.08,"confidence":0.99998164,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":0.13104456663131714},{"word":"with","start":1248.08,"end":1248.1599,"confidence":0.99990463,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11460760235786438},{"word":"you","start":1248.1599,"end":1248.32,"confidence":0.99997187,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13186217844486237},{"word":"and","start":1248.32,"end":1248.48,"confidence":0.9692528,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23433877527713776},{"word":"let","start":1248.48,"end":1248.6399,"confidence":0.99940324,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.23923923075199127},{"word":"you","start":1248.6399,"end":1248.72,"confidence":0.99936324,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18873831629753113},{"word":"know","start":1248.72,"end":1248.88,"confidence":0.9998684,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.19761599600315097},{"word":"i","start":1248.88,"end":1248.96,"confidence":0.63620263,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3005419969558716},{"word":"do","start":1248.96,"end":1249.12,"confidence":0.99927217,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32512167096138},{"word":"wanna","start":1249.12,"end":1249.44,"confidence":0.98480785,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3328338861465454},{"word":"turn","start":1249.44,"end":1249.6799,"confidence":0.99728775,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.25989067554473877},{"word":"that","start":1249.6799,"end":1249.7599,"confidence":0.9990282,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24499626457691193},{"word":"on","start":1249.7599,"end":1249.9199,"confidence":0.9949555,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2460609525442123},{"word":"to","start":1249.9199,"end":1250.08,"confidence":0.97501016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24002142250537872},{"word":"keep","start":1250.08,"end":1250.32,"confidence":0.99718636,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3523876667022705},{"word":"monitoring","start":1250.32,"end":1250.7999,"confidence":0.9979715,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.2776748239994049},{"word":"things","start":1250.7999,"end":1251.0399,"confidence":0.9993843,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3294963538646698},{"word":"and","start":1251.0399,"end":1251.2,"confidence":0.9967325,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3291846513748169},{"word":"looking","start":1251.2,"end":1251.5199,"confidence":0.99990773,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2587374746799469},{"word":"after","start":1251.5199,"end":1251.84,"confidence":0.9977335,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2960728406906128},{"word":"you","start":1251.84,"end":1252.34,"confidence":0.83637923,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3021899461746216},{"word":"but","start":1252.3999,"end":1252.5599,"confidence":0.9663685,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.24858492612838745},{"word":"i","start":1252.5599,"end":1252.72,"confidence":0.9997899,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2806284725666046},{"word":"do","start":1252.72,"end":1252.96,"confidence":0.99982494,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2972177267074585},{"word":"also","start":1252.96,"end":1253.2,"confidence":0.9992767,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24724651873111725},{"word":"wanna","start":1253.2,"end":1253.5199,"confidence":0.9993175,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.33339202404022217},{"word":"make","start":1253.5199,"end":1253.6,"confidence":0.99903405,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22613731026649475},{"word":"sure","start":1253.6,"end":1253.84,"confidence":0.99959475,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2626928389072418},{"word":"we're","start":1253.84,"end":1253.9199,"confidence":0.99866396,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.37870320677757263},{"word":"tracking","start":1253.9199,"end":1254.32,"confidence":0.9994623,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.32181859016418457},{"word":"towards","start":1254.32,"end":1254.6399,"confidence":0.9996897,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.4690101444721222},{"word":"your","start":1254.6399,"end":1254.7999,"confidence":0.9996147,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.45233696699142456},{"word":"goals","start":1254.7999,"end":1255.12,"confidence":0.9986846,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.4251610338687897},{"word":"and","start":1255.12,"end":1255.2799,"confidence":0.81969965,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4713366031646729},{"word":"that","start":1255.2799,"end":1255.44,"confidence":0.99874157,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4927280843257904},{"word":"we're","start":1255.44,"end":1255.6,"confidence":0.9980917,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5671731233596802},{"word":"helping","start":1255.6,"end":1255.9199,"confidence":0.95045084,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.6406866908073425},{"word":"in","start":1255.9199,"end":1256.1599,"confidence":0.99862206,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.649453341960907},{"word":"every","start":1256.1599,"end":1256.3999,"confidence":0.998889,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.5332148671150208},{"word":"area","start":1256.3999,"end":1256.72,"confidence":0.99992657,"punctuated_word":"area","sentiment":"positive","sentiment_score":0.613564670085907},{"word":"that","start":1256.72,"end":1256.88,"confidence":0.9984579,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6645763516426086},{"word":"we","start":1256.88,"end":1257.0399,"confidence":0.9997671,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5935331583023071},{"word":"absolutely","start":1257.0399,"end":1257.5199,"confidence":0.9930361,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5644720196723938},{"word":"can","start":1257.5199,"end":1257.7599,"confidence":0.99942374,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6171808242797852},{"word":"to","start":1257.7599,"end":1257.9199,"confidence":0.99702865,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5454745292663574},{"word":"make","start":1257.9199,"end":1258.08,"confidence":0.9987262,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4854969680309296},{"word":"sure","start":1258.08,"end":1258.24,"confidence":0.9986603,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.43407347798347473},{"word":"we're","start":1258.24,"end":1258.48,"confidence":0.9991195,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5328319668769836},{"word":"earning","start":1258.48,"end":1258.7999,"confidence":0.99969184,"punctuated_word":"earning","sentiment":"positive","sentiment_score":0.4642829298973083},{"word":"that","start":1258.7999,"end":1258.96,"confidence":0.9995425,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.42102617025375366},{"word":"money","start":1258.96,"end":1259.2799,"confidence":0.9999411,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4441307485103607},{"word":"at","start":1259.2799,"end":1259.36,"confidence":0.9998615,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3944798111915589},{"word":"the","start":1259.36,"end":1259.5199,"confidence":0.99945897,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4084218144416809},{"word":"same","start":1259.5199,"end":1259.7599,"confidence":0.99982136,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.3992447257041931},{"word":"time","start":1259.7599,"end":1260.24,"confidence":0.99973613,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.34288540482521057},{"word":"okay","start":1260.24,"end":1260.74,"confidence":0.9776386,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.28254222869873047},{"word":"all","start":1261.8251,"end":1262.145,"confidence":0.97230095,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5215425491333008},{"word":"good","start":1262.145,"end":1262.645,"confidence":0.9997768,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42986422777175903},{"word":"i","start":1262.9451,"end":1263.1051,"confidence":0.9999212,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04075724631547928},{"word":"know","start":1263.1051,"end":1263.265,"confidence":0.99981445,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.030068643391132355},{"word":"it's","start":1263.265,"end":1263.425,"confidence":0.99941885,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.006092926021665335},{"word":"a","start":1263.425,"end":1263.505,"confidence":0.99897885,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0015823878347873688},{"word":"lot","start":1263.505,"end":1263.7451,"confidence":0.95467067,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.009428203105926514},{"word":"and","start":1263.7451,"end":1263.905,"confidence":0.9993331,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01302514225244522},{"word":"i'm","start":1263.905,"end":1264.145,"confidence":0.99987435,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08452235907316208},{"word":"so","start":1264.145,"end":1264.4651,"confidence":0.99832815,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.08141818642616272},{"word":"sorry","start":1264.4651,"end":1264.9651,"confidence":0.99910223,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.08932314068078995},{"word":"i","start":1266.0651,"end":1266.2251,"confidence":0.99958163,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09736154973506927},{"word":"will","start":1266.2251,"end":1266.545,"confidence":0.99993026,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11223764717578888},{"word":"email","start":1266.545,"end":1266.9451,"confidence":0.99958724,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11994706094264984},{"word":"this","start":1266.9451,"end":1267.185,"confidence":0.99841654,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12597131729125977},{"word":"through","start":1267.185,"end":1267.425,"confidence":0.9872327,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12495210766792296},{"word":"to","start":1267.425,"end":1267.505,"confidence":0.98854893,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19013604521751404},{"word":"you","start":1267.505,"end":1267.665,"confidence":0.9977368,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17599022388458252},{"word":"now","start":1267.665,"end":1267.8251,"confidence":0.99904066,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2456395328044891},{"word":"so","start":1267.8251,"end":1267.9851,"confidence":0.91688144,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2102040797472},{"word":"you","start":1267.9851,"end":1268.145,"confidence":0.99886155,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1850953996181488},{"word":"can","start":1268.145,"end":1268.385,"confidence":0.9997944,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16542048752307892},{"word":"also","start":1268.385,"end":1268.625,"confidence":0.9975575,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1703285276889801},{"word":"have","start":1268.625,"end":1268.785,"confidence":0.9996747,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18213585019111633},{"word":"a","start":1268.785,"end":1268.8651,"confidence":0.9994777,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18653759360313416},{"word":"bit","start":1268.8651,"end":1269.025,"confidence":0.9995307,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1862045526504517},{"word":"of","start":1269.025,"end":1269.185,"confidence":0.99973005,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19907556474208832},{"word":"a","start":1269.185,"end":1269.265,"confidence":0.99814343,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1898029148578644},{"word":"look","start":1269.265,"end":1269.425,"confidence":0.9999379,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11242785304784776},{"word":"at","start":1269.425,"end":1269.5851,"confidence":0.9994116,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15204814076423645},{"word":"it","start":1269.5851,"end":1269.7451,"confidence":0.9976473,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14182409644126892},{"word":"if","start":1269.7451,"end":1269.9851,"confidence":0.9993937,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15792980790138245},{"word":"you","start":1269.9851,"end":1270.145,"confidence":0.9998516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14883610606193542},{"word":"have","start":1270.145,"end":1270.305,"confidence":0.9997768,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17808958888053894},{"word":"any","start":1270.305,"end":1270.545,"confidence":0.9993573,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.18293911218643188},{"word":"questions","start":1270.545,"end":1271.025,"confidence":0.99453866,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1794464886188507},{"word":"glenn","start":1271.025,"end":1271.3451,"confidence":0.874624,"punctuated_word":"Glenn,","sentiment":"neutral","sentiment_score":0.21554633975028992},{"word":"you're","start":1271.3451,"end":1271.5851,"confidence":0.9996875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.29504209756851196},{"word":"welcome","start":1271.5851,"end":1271.9851,"confidence":0.99940944,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.39413735270500183},{"word":"to","start":1271.9851,"end":1272.145,"confidence":0.9997322,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3225246071815491},{"word":"let","start":1272.145,"end":1272.385,"confidence":0.9999659,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.29302459955215454},{"word":"me","start":1272.385,"end":1272.545,"confidence":0.9998331,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2639145851135254},{"word":"know","start":1272.545,"end":1273.045,"confidence":0.9936229,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.2967192232608795},{"word":"if","start":1273.425,"end":1273.665,"confidence":0.9905488,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.207564115524292},{"word":"you're","start":1273.665,"end":1273.905,"confidence":0.99959207,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.230868861079216},{"word":"comfortable","start":1273.905,"end":1274.405,"confidence":0.9999027,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.17801696062088013},{"word":"with","start":1274.4651,"end":1274.625,"confidence":0.7420954,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2789898216724396},{"word":"taking","start":1274.625,"end":1274.8651,"confidence":0.999131,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.3297753930091858},{"word":"all","start":1274.8651,"end":1275.025,"confidence":0.9995278,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2899511158466339},{"word":"the","start":1275.025,"end":1275.265,"confidence":0.99881727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31221479177474976},{"word":"recommendations","start":1275.265,"end":1275.765,"confidence":0.9991099,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.3227158784866333},{"word":"and","start":1275.9851,"end":1276.145,"confidence":0.994383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.315874844789505},{"word":"making","start":1276.145,"end":1276.4651,"confidence":0.9999467,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.34854772686958313},{"word":"the","start":1276.4651,"end":1276.68,"confidence":0.9996008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3137831389904022},{"word":"changes","start":1276.8401,"end":1277.16,"confidence":0.97616285,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.2981680631637573},{"word":"essentially","start":1277.16,"end":1277.64,"confidence":0.93499434,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.2746095359325409},{"word":"how","start":1277.64,"end":1277.88,"confidence":0.9996247,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.26132380962371826},{"word":"it'll","start":1277.88,"end":1278.12,"confidence":0.9333606,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.31528806686401367},{"word":"work","start":1278.12,"end":1278.3601,"confidence":0.99662125,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.27885016798973083},{"word":"is","start":1278.3601,"end":1278.52,"confidence":0.79077834,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3333899974822998},{"word":"you'll","start":1278.52,"end":1278.76,"confidence":0.9443457,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.3049193322658539},{"word":"just","start":1278.76,"end":1279.0,"confidence":0.97794366,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31713947653770447},{"word":"sign","start":1279.0,"end":1279.2401,"confidence":0.9509224,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.15094542503356934},{"word":"the","start":1279.2401,"end":1279.4,"confidence":0.9978181,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20691880583763125},{"word":"documents","start":1279.4,"end":1279.88,"confidence":0.9637412,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.19691866636276245},{"word":"return","start":1279.88,"end":1280.2001,"confidence":0.99925405,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.2669171392917633},{"word":"it","start":1280.2001,"end":1280.3601,"confidence":0.99679095,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2168932557106018},{"word":"back","start":1280.3601,"end":1280.52,"confidence":0.99968266,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.21235620975494385},{"word":"to","start":1280.52,"end":1280.68,"confidence":0.99767226,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18908345699310303},{"word":"me","start":1280.68,"end":1280.92,"confidence":0.7266002,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.2122318744659424},{"word":"yeah","start":1280.92,"end":1281.4,"confidence":0.9342437,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23358571529388428},{"word":"and","start":1281.4,"end":1281.56,"confidence":0.9103907,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22871263325214383},{"word":"then","start":1281.56,"end":1281.7201,"confidence":0.9995127,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27013495564460754},{"word":"my","start":1281.7201,"end":1281.9601,"confidence":0.9967528,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2912597358226776},{"word":"team","start":1281.9601,"end":1282.2001,"confidence":0.9278853,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2946871221065521},{"word":"will","start":1282.2001,"end":1282.4401,"confidence":0.9975521,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.28762197494506836},{"word":"start","start":1282.4401,"end":1282.8401,"confidence":0.98195165,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2819986343383789},{"word":"by","start":1282.8401,"end":1283.3401,"confidence":0.99940777,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2679816782474518},{"word":"essentially","start":1283.9601,"end":1284.4601,"confidence":0.5725832,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2672767639160156},{"word":"completing","start":1284.6001,"end":1284.92,"confidence":0.9980306,"punctuated_word":"completing","sentiment":"neutral","sentiment_score":0.2831195592880249},{"word":"the","start":1284.92,"end":1285.0801,"confidence":0.99013597,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3129061162471771},{"word":"investment","start":1285.0801,"end":1285.56,"confidence":0.76198727,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.22409383952617645},{"word":"switch","start":1285.56,"end":1285.88,"confidence":0.9791045,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.23412735760211945},{"word":"in","start":1285.88,"end":1286.04,"confidence":0.99984026,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.34204113483428955},{"word":"the","start":1286.04,"end":1286.2001,"confidence":0.9997795,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2891966998577118},{"word":"account","start":1286.2001,"end":1286.52,"confidence":0.801053,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.27815553545951843},{"word":"so","start":1286.52,"end":1286.76,"confidence":0.99779785,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20710186660289764},{"word":"you'll","start":1286.76,"end":1286.92,"confidence":0.9996679,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.17126071453094482},{"word":"see","start":1286.92,"end":1287.16,"confidence":0.9994155,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22747580707073212},{"word":"us","start":1287.16,"end":1287.3201,"confidence":0.95439965,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.3328307867050171},{"word":"buying","start":1287.3201,"end":1287.56,"confidence":0.99687576,"punctuated_word":"buying","sentiment":"positive","sentiment_score":0.38803330063819885},{"word":"and","start":1287.56,"end":1287.7201,"confidence":0.999037,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38763561844825745},{"word":"selling","start":1287.7201,"end":1287.9601,"confidence":0.9991731,"punctuated_word":"selling","sentiment":"positive","sentiment_score":0.4220878779888153},{"word":"in","start":1287.9601,"end":1288.12,"confidence":0.9905963,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4193116128444672},{"word":"the","start":1288.12,"end":1288.2001,"confidence":0.9997254,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4612555801868438},{"word":"back","start":1288.2001,"end":1288.4401,"confidence":0.94966626,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.41304218769073486},{"word":"end","start":1288.4401,"end":1288.6001,"confidence":0.9631492,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.32692283391952515},{"word":"which","start":1288.6001,"end":1288.8401,"confidence":0.9998623,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2904590964317322},{"word":"will","start":1288.8401,"end":1289.0,"confidence":0.781382,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5084247589111328},{"word":"be","start":1289.0,"end":1289.16,"confidence":0.9978848,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5385435819625854},{"word":"really","start":1289.16,"end":1289.3201,"confidence":0.99942577,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.718987226486206},{"word":"cool","start":1289.3201,"end":1289.56,"confidence":0.9977562,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.6855677366256714},{"word":"in","start":1289.56,"end":1289.64,"confidence":0.42421558,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6186273694038391},{"word":"rebalancing","start":1289.64,"end":1290.14,"confidence":0.99829644,"punctuated_word":"rebalancing","sentiment":"positive","sentiment_score":0.6130552887916565},{"word":"everything","start":1290.3601,"end":1290.8401,"confidence":0.999186,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5883282423019409},{"word":"for","start":1290.8401,"end":1291.0,"confidence":0.99975485,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5721461176872253},{"word":"you","start":1291.0,"end":1291.485,"confidence":0.9936124,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4485144317150116},{"word":"we'll","start":1291.8049,"end":1291.965,"confidence":0.993799,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.3707422912120819},{"word":"then","start":1291.965,"end":1292.205,"confidence":0.99781394,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2756558656692505},{"word":"give","start":1292.205,"end":1292.445,"confidence":0.9996854,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3441079258918762},{"word":"you","start":1292.445,"end":1292.605,"confidence":0.99974936,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3877322375774383},{"word":"the","start":1292.605,"end":1292.765,"confidence":0.99857306,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3882331848144531},{"word":"salary","start":1292.765,"end":1293.165,"confidence":0.9974751,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.2338548004627228},{"word":"sacrifice","start":1293.165,"end":1293.665,"confidence":0.99633163,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.23901425302028656},{"word":"letter","start":1293.725,"end":1294.045,"confidence":0.89654917,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.23265886306762695},{"word":"to","start":1294.045,"end":1294.125,"confidence":0.9984738,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2286461889743805},{"word":"give","start":1294.125,"end":1294.365,"confidence":0.99132055,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.24748538434505463},{"word":"to","start":1294.365,"end":1294.445,"confidence":0.997053,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3114750385284424},{"word":"your","start":1294.445,"end":1294.6849,"confidence":0.9984143,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2491309642791748},{"word":"employer","start":1294.6849,"end":1295.165,"confidence":0.87784386,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":0.21371674537658691},{"word":"and","start":1295.165,"end":1295.325,"confidence":0.9998765,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2723069190979004},{"word":"we'll","start":1295.325,"end":1295.485,"confidence":0.992903,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.3879540860652923},{"word":"help","start":1295.485,"end":1295.725,"confidence":0.9960664,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.46324020624160767},{"word":"with","start":1295.725,"end":1295.965,"confidence":0.77322656,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4453623294830322},{"word":"the","start":1295.965,"end":1296.205,"confidence":0.9995695,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4286246001720429},{"word":"beneficiary","start":1296.205,"end":1296.705,"confidence":0.992176,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.3939277529716492},{"word":"nominations","start":1296.765,"end":1297.265,"confidence":0.9775204,"punctuated_word":"nominations","sentiment":"positive","sentiment_score":0.402844101190567},{"word":"to","start":1297.325,"end":1297.485,"confidence":0.54038787,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4477579593658447},{"word":"be","start":1297.485,"end":1297.565,"confidence":0.96010166,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.39369335770606995},{"word":"a","start":1297.565,"end":1297.645,"confidence":0.38528278,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5337346196174622},{"word":"nice","start":1297.645,"end":1297.965,"confidence":0.94394904,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6679116487503052},{"word":"easy","start":1297.965,"end":1298.125,"confidence":0.740023,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.645698606967926},{"word":"implementation","start":1298.125,"end":1298.625,"confidence":0.9964139,"punctuated_word":"implementation","sentiment":"positive","sentiment_score":0.43331587314605713},{"word":"process","start":1299.085,"end":1299.585,"confidence":0.9997054,"punctuated_word":"process.","sentiment":"positive","sentiment_score":0.36753106117248535},{"word":"do","start":1300.605,"end":1300.765,"confidence":0.92463404,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.1661306470632553},{"word":"you","start":1300.765,"end":1300.9249,"confidence":0.9995227,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2035951018333435},{"word":"have","start":1300.9249,"end":1301.085,"confidence":0.9997613,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14993713796138763},{"word":"any","start":1301.085,"end":1301.325,"confidence":0.9975641,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14800742268562317},{"word":"questions","start":1301.325,"end":1301.8049,"confidence":0.9989503,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.16665354371070862},{"word":"for","start":1301.8049,"end":1301.965,"confidence":0.99377835,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13799893856048584},{"word":"me","start":1301.965,"end":1302.125,"confidence":0.9997021,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.09814375638961792},{"word":"i'm","start":1302.125,"end":1302.365,"confidence":0.99988794,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05548901483416557},{"word":"so","start":1302.365,"end":1302.605,"confidence":0.9988876,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0016186758875846865},{"word":"sorry","start":1302.605,"end":1303.005,"confidence":0.9986523,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.06929858028888702},{"word":"it","start":1303.005,"end":1303.165,"confidence":0.9063535,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.05510441213846207},{"word":"it's","start":1303.245,"end":1303.485,"confidence":0.96689516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05215447396039963},{"word":"a","start":1303.485,"end":1303.645,"confidence":0.99647176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05642477422952652},{"word":"lot","start":1303.645,"end":1303.885,"confidence":0.9990368,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.07701808959245682},{"word":"to","start":1303.885,"end":1304.045,"confidence":0.9990338,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.001781372353434563},{"word":"kinda","start":1304.045,"end":1304.365,"confidence":0.9917008,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04957688227295875},{"word":"go","start":1304.365,"end":1304.525,"confidence":0.9972656,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02408333122730255},{"word":"through","start":1304.525,"end":1305.025,"confidence":0.9984107,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.011522259563207626},{"word":"oh","start":1308.26,"end":1308.76,"confidence":0.8899926,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2712096869945526},{"word":"beautiful","start":1309.3,"end":1309.8,"confidence":0.9970368,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.622483491897583},{"word":"you're","start":1311.22,"end":1311.54,"confidence":0.99642205,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.7326831221580505},{"word":"a","start":1311.54,"end":1311.78,"confidence":0.9977596,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7694019079208374},{"word":"legend","start":1311.78,"end":1312.26,"confidence":0.99978983,"punctuated_word":"legend.","sentiment":"positive","sentiment_score":0.7506466507911682},{"word":"thank","start":1312.26,"end":1312.5,"confidence":0.99987423,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8714499473571777},{"word":"you","start":1312.5,"end":1312.74,"confidence":0.99993443,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8741587400436401},{"word":"so","start":1312.74,"end":1312.98,"confidence":0.9993136,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.768923282623291},{"word":"much","start":1312.98,"end":1313.3,"confidence":0.99991125,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7745517492294312},{"word":"i","start":1313.3,"end":1313.46,"confidence":0.99991655,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6031911373138428},{"word":"will","start":1313.46,"end":1313.62,"confidence":0.9999602,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.6939941644668579},{"word":"let","start":1313.62,"end":1313.78,"confidence":0.99995196,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.775597870349884},{"word":"you","start":1313.78,"end":1313.9401,"confidence":0.99981004,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7197225689888},{"word":"go","start":1313.9401,"end":1314.1,"confidence":0.9995395,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6634747385978699},{"word":"to","start":1314.1,"end":1314.26,"confidence":0.99939275,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6956997513771057},{"word":"enjoy","start":1314.26,"end":1314.66,"confidence":0.9999403,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.6835602521896362},{"word":"your","start":1314.66,"end":1314.9,"confidence":0.9998355,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7230756282806396},{"word":"afternoon","start":1314.9,"end":1315.4,"confidence":0.9997629,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.6021508574485779},{"word":"i'll","start":1315.54,"end":1315.7,"confidence":0.9996595,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19792847335338593},{"word":"send","start":1315.7,"end":1315.9401,"confidence":0.9998745,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2634103298187256},{"word":"this","start":1315.9401,"end":1316.1,"confidence":0.998754,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.29975593090057373},{"word":"to","start":1316.1,"end":1316.26,"confidence":0.9943275,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.321995347738266},{"word":"you","start":1316.26,"end":1316.42,"confidence":0.9996265,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2941162884235382},{"word":"now","start":1316.42,"end":1316.66,"confidence":0.99257374,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.3149048089981079},{"word":"if","start":1316.66,"end":1316.8201,"confidence":0.99929583,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14846830070018768},{"word":"you","start":1316.8201,"end":1316.98,"confidence":0.9997507,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1644609123468399},{"word":"have","start":1316.98,"end":1317.14,"confidence":0.99969494,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12999984622001648},{"word":"any","start":1317.14,"end":1317.38,"confidence":0.99939084,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1194106936454773},{"word":"questions","start":1317.38,"end":1317.78,"confidence":0.9952439,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.12167363613843918},{"word":"you","start":1317.78,"end":1317.9401,"confidence":0.98932797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15851184725761414},{"word":"let","start":1317.9401,"end":1318.18,"confidence":0.9607808,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.17535026371479034},{"word":"me","start":1318.18,"end":1318.34,"confidence":0.99981624,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19211195409297943},{"word":"know","start":1318.34,"end":1318.58,"confidence":0.99966884,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.22638210654258728},{"word":"okay","start":1318.58,"end":1319.08,"confidence":0.99969494,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.14535951614379883},{"word":"no","start":1321.2329,"end":1321.4729,"confidence":0.8719325,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.3598960340023041},{"word":"worries","start":1321.4729,"end":1321.953,"confidence":0.9995856,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.46248552203178406},{"word":"enjoy","start":1321.953,"end":1322.3529,"confidence":0.99995196,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.5440034866333008},{"word":"your","start":1322.3529,"end":1322.513,"confidence":0.99956435,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.42466211318969727},{"word":"afternoon","start":1322.513,"end":1323.013,"confidence":0.99980855,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.46005725860595703},{"word":"thanks","start":1323.073,"end":1323.393,"confidence":0.9976963,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.5284962058067322},{"word":"glenn","start":1323.393,"end":1323.893,"confidence":0.8979465,"punctuated_word":"Glenn.","sentiment":"positive","sentiment_score":0.35828083753585815},{"word":"see","start":1324.3529,"end":1324.513,"confidence":0.82576436,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.21046364307403564},{"word":"you","start":1324.513,"end":1324.5929,"confidence":0.99923027,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2386062741279602},{"word":"later","start":1324.5929,"end":1325.073,"confidence":0.9991503,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.3245674967765808},{"word":"bye","start":1325.073,"end":1325.573,"confidence":0.99009573,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.1781734824180603}],"paragraphs":{"transcript":"\nHi, Glenn. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had an updated advice document to go through with you this afternoon. Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your emails?\n\nIf you don't, that's absolutely okay. Sorry. Yeah. That's okay. Did you want me to send that one through so you can have a look at it, or did you want me just to kinda run through it?\n\nYeah? Perfect. Yeah. That's okay. Well, what I'll do is I'll send this one out after the call.\n\nI know we sort of spoke late last year, and I do apologize for the time it's taken to get this together. I've just been extremely busy. I've got some updated advice. We sort of had a look and wanted to go through things and update everything for you, and there's been some changes that I wanted to recently update. This is why I've kinda gone back and redone it.\n\nJust before we jump into the call there, I do need to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And I do need to do security there with you as well.\n\nWe are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. Perfect. Thank you so much for that.\n\nHow's your day been? I know you've been working some long hours recently. How's today gone? Yeah. Wow.\n\nAbsolutely. Absolutely. And you're almost halfway through the week. It's amazing. We're already in March.\n\nThis year is flying by. It's crazy, isn't it? All good. Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there. It takes take a lot of it in.\n\nEssentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial. My adviser registration number through ASIC is 1304394. Okay? The advice we have for bearing has been provided in your best interest, so we always make sure we're going through the details of updating your circumstances, looking at your goals so that we are working towards your goals moving forward. Okay?\n\nWith the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you. At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week. Does that still sound fairly accurate for where you're at at the moment? Yeah. Beautiful.\n\nYou are comfortable about looking looking at whether you needed to maybe start making additional contributions to Super to sort of help you along to meet that goal, and I've had a really good look, and I've made a recommendation there for you. Okay? With the estate planning side of things, I had a really good look, and it looks like we don't have a beneficiary nominal no nomination on file for your super there at the moment. So I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most effective way for you. It looks like and I had a look on file, and I can't see one applied.\n\nSo we will make sure that is updated for you. Okay? All good. I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super. I wanted to make sure that you kind of get a bit of an idea of where we're heading, where we're tracking for at the moment with regard to that.\n\nYou're in your fifties, so you are getting closer to those retirement years. So not only just looking at super, but kinda showing you what we're on track for based on the recommendations there. Okay? One of the things we also did talk about was the insurance side of things. So we did you did want me to go back and see if I was able to get any cover for you.\n\nI did go back and look and do a lot of research and a lot of willing and dealing with regard to the insurance side of things. Because you had a TPD claim back a while ago, it was gonna be difficult. I did speak yeah. I did speak to the insurers, and because of the reason for the TPD claim, which was the lung cancer diagnosis, they actually come back saying they're not willing to offer any cover at all. We are not even able to get life or trauma at the moment.\n\nSo what I've wanted to do we tried. We we gave it our best shot. So it does mean that we are not able to make a recommendation, and we're not able to meet your insurance goal. However, because you are in your fifties, I wanted to put a bit more focus into your super. Let's boost your super to kind of close that gap.\n\nSo if anything happens from the age of 60 onwards, you're able to access your super. Even before the age of 60, say, if something was to happen to you and you were to, you know, have to claim PPD and you could get the doctors to sign off on that, then we also can claim permanent incapacity against your super. So there's it's it's still leaving a bit of a gap there, but there are things that we can do down the track. So I wanted to be open and honest there, and I figured since we can't get the insurance, if we're not able to meet that goal, let's focus on Super and try to build that as much as we possibly can. Okay?\n\nWith income protection, you can try, but it is gonna be very, very difficult because you do have to disclose you've had a d a TPD claim in the past. They're gonna wanna understand why that claim occurred. Disability and income protection is gonna be very difficult. In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net. If you wanted advice in other areas, because I'm a full licensed adviser, if you wanted maybe cash flow and budgeting advice to help build a savings account to give you, like, a safety net in the event that you're not working and need a bit of, you know, an emergency fund to fall back on if you wanted to look at investing outside of super and building wealth in other areas there.\n\nI can help and provide advice on those. And, I mean, when it comes, yeah, but when it comes to insurances, we kind of look at that as sort of the be on end or as the protection if something was to happen. But at the end of the day, insurances only provide a certain level of cover that can still be a gap involved. So whilst we're not able to get cover, we can look at building wealth and closing the gap in other ways for you, whether it be building savings in in a bank account somewhere or whether we're looking at investing down the track as well. So if it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those sorts of options for you.\n\nOkay? Perfect. I'll jump sort of into the recommendations. Now as you are going through this document when you are seeing it there, have a double check of your assets and liabilities. We have things noted, like your boat, your caravandy contents, and your Nissan Navara there with the current values we had noted.\n\nIf you find there are changes, please do let me know. I can update everything in the back end. The good news is no changes to those affect the advice in any way at the moment. Okay. Yeah.\n\nAll good. Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account. Hub 24 has been a great platform. It is working really well there for you, and there are no major changes to the platform that require us to move on out. I am obviously, because we don't have any insurances, we're not able to get any.\n\nI am also recommending that you do commence a salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the super there. Sorry. $50 per week. I do apologize. Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super.\n\nYou have a really good balance at the moment. So when the advice was done up a few weeks ago, the balance in your current super was about 304,000 and 73. By increasing contributions in by that $50 on a weekly basis, you're adding after tax next to 2,210 into super on top of your employer pay contributions. So that can provide a bit more of a benefit for you down the track. And instead of having the, yeah, instead of having the money invested essentially in sorry.\n\nInstead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%. So it is tax less than five people, so you have more invested there for you working harder. Okay? Perfect. One of the things you wanted to look at when we spoke last time was maybe moving into more of a high growth portfolio.\n\nYou wanted to be able to take a little bit more risk in the market to see if you can get some greater potential returns there, we are recommending that we do move you into that higher growth environment for the time being. We can always pull back and make changes and reduce that down the track if you would like to or if you feel not comfortable with it. But taking on a little bit more risk now can provide those greater potential returns. And because you're not wanting to access super until essentially the age of 65 there, you've got a bit more time. You've got over ten years time horizon to take on and see if you can get your sleep and work a little bit harder for you.\n\nSo it's absolutely fine. Okay? I had a really good look at the investments, and one of the reasons it did take a little bit longer to provide the advice was we've have sort of noticed that one of the investments within your portfolio has actually been underperforming. So we've actually taken steps as part of this advice document to remove that. The Benelon Australian Equities, which was initially put in your portfolio as more of an actively managed fund, has been underperforming for the past couple of months.\n\nSo as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no. We wanna remove that out. It's no longer seen as a quality investment to keep in super, and the fact that it's underperforming isn't giving you any advantages. So we are removing Ben along out. And so by putting you into that high growth environment, you'll see in the advice document all the investments that we have in there.\n\nWe'll show you what we're selling and what we're gonna buy. But we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids. You had some bank hybrids in there, and they're more of a defensive investment. Over the course of the next couple of years, they are gonna be sort of phased out. So we are taking the steps to remove that as well as the Benelon equities and put that money into something that has sort of shown a a little bit more of a return and can provide you a greater benefit over the next sort of ten odd years there.\n\nOkay? Perfect. So within that high growth in portfolio, once we've completed the swap over and the changes and a bit of a rebalance on things, essentially, you'll have a bit of physical Global x physical gold in there. You'll have about 7%. Gold has been doing gangbusters over the last year and continues to do well.\n\nIt's more of an alternative investment, but it is seen as growth. It does provide great growth and at times where equities aren't performing well come act defensively for your portfolio as well. You'll see a little bit of cybersecurity in there again about 7%. This is sort of reaching out of branching into other areas to try and get greater potential returns. Cyber security is still quite a big area to be invested in.\n\nAs much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there. They do it does go up and down, but when you look at how The US on international equities, especially US equities, have performed over the last thirty years, they have provided greater potential returns. With the investment that you're actually in at the moment is the S and P 500, so it tracks the top 500 companies in The US. And that essentially means that whilst you're tracking the top 500, in order to be in the the S and P 500 index, they actually the index actually meets the investment committee for the index actually meets every quarter, and they determine whether in whether companies in The US are allowed to omit the criteria to stay within the index there. So if they no longer meet the in the criteria, they are removed from the S and P 500, which means that the investment you're in, which tracks the S and P 500 index, removes those investments as well.\n\nSo you are always invested in the top 500 companies regardless of what is happening within The US there. Okay? We'll also have exposure to the beta sales Raffi Aussie 200. So giving you access to 200 companies in Australia. It is looking at some of the top, but it's also giving you some access to low and mid cap companies.\n\nWe're replacing Benelong with the a 200, which is the Australian top 200 companies on the ASX, which is great. You'll see some global health care. Health care is a very large area, and it's not just looking at, like, doctor surgeries and hospitals and things like that. It's also looking at the IT sector within health care and the robotics around that sort of things as well. So global health care is an area to see growth in.\n\nYou'll still see some of the JPMorgan Global Research enhanced equity funds. They're giving you access to global investments that have up and coming or have can show growth, and JPMorgan is a great research tool to utilize, so that investment has seen some good growth, and we'll continue to see that. And with defensive assets, because I mentioned we're moving the bank hybrids out. We're gonna put you into core composite bonds to still make sure you do have some defensive investments. These core composite bonds are giving you access to government bonds but also corporate bonds there as well, and bonds are great for income producing, which helps the compounding effect of your portfolio.\n\nSo I know that's a lot to kinda go through. I try to make it fairly basic, but when you have a look at the document, you'll see what I'm talking about with those investments. Yeah. If you find you have questions, you're welcome to let me know. And in the appendix in there, we do also have links to the PDFs and the investment information, so you're welcome to always open those links and have a look at it as well.\n\nOkay? Perfect. So, essentially, with this one here, we are looking to just alter the underlying portfolio there, start the salary sacrifice of $50 on a weekly basis there and and make sure we have 24. It's important to make you aware that, obviously, this is providing a greater benefit. You're gonna be in a high growth portfolio, which has seen over the last utilizing a three year rolling average, and we have to use a three year for this one because the bank hybrids haven't shown a five year rolling average.\n\nSo when we kind of look at that, the newer high growth portfolio has been greater returns utilizing the past three roll year rolling average, sorry, which can put you in a position to get greater potential returns as long as the market reacts the way we hope it does moving forward. It's really important I do let you know that by changing the investments within the portfolio, there are CDT consequences. I've got that in this table here for you. So it does show that by making the changes there, the expected CDT consequences of tax your funds will pay is about $2,032 for the changes. But we're also saving you an investment fee.\n\nSo by enable by making these changes to your portfolio, it's seeing greater growth. There are other CDT consequences, but we can sort of see that we're saving about $728 for the first year in investment fees as well. So that's the benefit and the bonus for you. It basically means that your super fund's gonna do a tax return for you, and they'll have to pay capital gains tax of $2,032, but it doesn't affect you in any way, shape, or form. Yeah.\n\nAll good. It's actually kinda funny. A lot of people don't realize that your super fund, the trustees in your fund, they actually do a tax return every year for you for your super. So your super has pays incomes and capital gains tax on a yearly basis. You just don't see it because it's not something you have to sign off on.\n\nSo, yeah, that happens automatically every year. This will happen as well. We just have to let you know that there are, obviously, the expected tax consequences there for you. But the benefits of this is that the the investment fees within the fund, by making these changes, we expect to save you $728 for the first year on investment fees. So it's a little bit cheaper on fees for you, which is important.\n\nYeah. All good. I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000. With your balance the way it is, you could honestly end up in that sort of direction over the next sort of five to six years, But it really just depends upon what the market does, but you will see a bit of a projection in there for you. Okay?\n\nPerfect. With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope. You still got over ten years to go. So there can be some changes, and I wanna kinda keep you on track. But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals.\n\nSo we sort of talked about drawing down regular income of about 35,000 on a yearly basis there. Essentially, this is almost keeping you on track and having super last to about age 91. So you can draw certainly more money out than what we can sort of see with regards to this. It just means that the super doesn't last as long. But given, yeah, but given when we get closer to it, one of the things I'll also factor in is the age pension side of things.\n\nSo when we get closer, we can talk more about your level. Given your current circumstances, it looks like you should be eligible for a bit of age pension around age seven as well, which means we can draw a little bit less out of super and give you longevity down down the way as well. But I'll keep you updated. We'll keep reviewing this and keep you on track there. Okay?\n\nPerfect. I do have the strategy in there with regard to the sales back as well. It kinda shows you I've essentially the difference in the tax consequences between your current position to the idea of salary sacrificing. It does kinda provide you with the benefit of paying a little bit less income tax, which is a benefit to you. However, the disadvantage of salary sacrificing is that your take home pay is a little bit less as well because that $50 per week is going into super.\n\nBut when I sort of look at it, the the advantage of being able to want more money into super and have it invested outweighs that additional of not of not having that in your take home pay. Okay. All good. Well, the other side of that is just the beneficiary side of things. So I will make sure your beneficiaries are up to date.\n\nI am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse. That way, if anything does happen, she gets a 100% of the benefit there paid out to her. And I will sort of let everyone know to let their spouse know that you are that I am your financial adviser, that if anything was to happen to call me and I can help her with the claim just to make sure things are done along. I know it's, you know, when your times where your spouse has passed, it can be a really difficult time frame. So it's important to make sure that she's aware of where your super is, that you do have a benefit that she can claim on it, and we'll help you with the beneficiary nominations as well.\n\nIt's the hardest part of getting someone to witness it for you. Yeah. The only other thing to kinda go through with you is, obviously, there's no sorry. Insurance recommendations. This advice has been provided.\n\nThere's no implementation fees payable. But the last couple of years, we have been providing our services and looking after everything and not charging an ongoing service fee. So I am gonna turn the ongoing service fee back on. It is 1.65% per annum, and it's deducted in smaller monthly increments. So I've accounted for that as part of the projection.\n\nWe're working harder towards your goals, and the ongoing service fee doesn't have a huge impact on that. But it just means that we're getting paid for our services. We're looking after things, and and we'll keep updating the advice. I'll keep looking after you and working towards your goals. But you'll see in there the ongoing service fee and what that looks like and, essentially, how that works.\n\nBut one of the big things about our fee is that it is percentage based, so it fluctuates with the market. So when the market is doing really well, it tells me that our ongoing service fee is gonna be a little bit higher. However, when the market does pay take a bit of a dip there, the amount we're gonna receive is slightly lower as well. So I just wanted to be open and honest with you and let you know I do wanna turn that on to keep monitoring things and looking after you. But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time.\n\nOkay? All good. I know it's a lot, and I'm so sorry. I will email this through to you now so you can also have a bit of a look at it. If you have any questions, Glenn, you're welcome to let me know.\n\nIf you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me. Yeah. And then my team will start by essentially completing the investment switch in the account. So you'll see us buying and selling in the back end, which will be really cool in rebalancing everything for you. We'll then give you the salary sacrifice letter to give to your employer, and we'll help with the beneficiary nominations to be a nice easy implementation process.\n\nDo you have any questions for me? I'm so sorry. It it's a lot to kinda go through. Oh, beautiful. You're a legend.\n\nThank you so much. I will let you go to enjoy your afternoon. I'll send this to you now. If you have any questions, you let me know. Okay?\n\nNo worries. Enjoy your afternoon. Thanks, Glenn. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Glenn.","start":2.08,"end":2.72,"sentiment":"neutral","sentiment_score":0.11326339840888977},{"text":"It's Dana from Oakey Financial.","start":2.72,"end":4.48,"sentiment":"neutral","sentiment_score":0.1919396460056305},{"text":"How are you this afternoon?","start":4.48,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.20991102755069732},{"text":"I'm very well.","start":7.44,"end":8.4,"sentiment":"positive","sentiment_score":0.5845627784729004},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.705926239490509}],"sentiment":"neutral","sentiment_score":0.3177247634705375,"num_words":17,"start":2.08,"end":8.8},{"sentences":[{"text":"I had an updated advice document to go through with you this afternoon.","start":8.8,"end":12.16,"sentiment":"positive","sentiment_score":0.3725538689356584},{"text":"Is now still a good time there for you?","start":12.16,"end":14.179999,"sentiment":"neutral","sentiment_score":0.29125241604116225},{"text":"Yep.","start":15.434999,"end":15.834999,"sentiment":"neutral","sentiment_score":0.20723645389080048},{"text":"Fantastic.","start":15.834999,"end":16.335,"sentiment":"positive","sentiment_score":0.43300214409828186},{"text":"Do you happen to have access to your emails?","start":16.395,"end":18.314999,"sentiment":"neutral","sentiment_score":0.0733411775694953}],"sentiment":"neutral","sentiment_score":0.2655994314135927,"num_words":33,"start":8.8,"end":18.314999},{"sentences":[{"text":"If you don't, that's absolutely okay.","start":18.314999,"end":20.095,"sentiment":"neutral","sentiment_score":-0.058679795203109585},{"text":"Sorry.","start":20.634998,"end":21.134998,"sentiment":"neutral","sentiment_score":-0.01885927841067314},{"text":"Yeah.","start":22.794998,"end":23.115,"sentiment":"neutral","sentiment_score":0.047814156860113144},{"text":"That's okay.","start":23.115,"end":23.835,"sentiment":"neutral","sentiment_score":0.07141990587115288},{"text":"Did you want me to send that one through so you can have a look at it, or did you want me just to kinda run through it?","start":23.835,"end":28.235,"sentiment":"neutral","sentiment_score":0.023662519607959048}],"sentiment":"neutral","sentiment_score":0.012691222841998464,"num_words":38,"start":18.314999,"end":28.235},{"sentences":[{"text":"Yeah?","start":28.235,"end":28.634998,"sentiment":"neutral","sentiment_score":0.02215590327978134},{"text":"Perfect.","start":28.634998,"end":29.134998,"sentiment":"neutral","sentiment_score":0.1818062514066696},{"text":"Yeah.","start":30.199999,"end":30.519999,"sentiment":"neutral","sentiment_score":0.09046103060245514},{"text":"That's okay.","start":30.519999,"end":31.08,"sentiment":"neutral","sentiment_score":0.09548904746770859},{"text":"Well, what I'll do is I'll send this one out after the call.","start":31.08,"end":33.739998,"sentiment":"neutral","sentiment_score":0.03298691774790104}],"sentiment":"neutral","sentiment_score":0.05079062283039093,"num_words":18,"start":28.235,"end":33.739998},{"sentences":[{"text":"I know we sort of spoke late last year, and I do apologize for the time it's taken to get this together.","start":33.96,"end":38.379997,"sentiment":"neutral","sentiment_score":-0.09747689759189432},{"text":"I've just been extremely busy.","start":38.84,"end":40.54,"sentiment":"neutral","sentiment_score":-0.17331377863883973},{"text":"I've got some updated advice.","start":41.64,"end":43.395,"sentiment":"neutral","sentiment_score":-0.010066288709640502},{"text":"We sort of had a look and wanted to go through things and update everything for you, and there's been some changes that I wanted to recently update.","start":43.475002,"end":49.795,"sentiment":"neutral","sentiment_score":0.014620425312646798},{"text":"This is why I've kinda gone back and redone it.","start":49.795,"end":52.375,"sentiment":"neutral","sentiment_score":-0.044463041424751285}],"sentiment":"neutral","sentiment_score":-0.04423786556082113,"num_words":70,"start":33.96,"end":52.375},{"sentences":[{"text":"Just before we jump into the call there, I do need to let you know, moving forward, we do record our calls for quality and training purposes.","start":52.835,"end":59.489998,"sentiment":"neutral","sentiment_score":0.04869943022452019},{"text":"Are you happy for me to proceed with that?","start":59.489998,"end":61.59,"sentiment":"neutral","sentiment_score":0.09595924119154613},{"text":"Yep.","start":62.37,"end":62.87,"sentiment":"neutral","sentiment_score":0.1311814785003662},{"text":"Beautiful.","start":63.01,"end":63.489998,"sentiment":"neutral","sentiment_score":0.3280393183231354},{"text":"And I do need to do security there with you as well.","start":63.489998,"end":65.57,"sentiment":"neutral","sentiment_score":0.10274444427341223}],"sentiment":"neutral","sentiment_score":0.07741343829780817,"num_words":50,"start":52.835,"end":65.57},{"sentences":[{"text":"We are discussing your personal information.","start":65.57,"end":67.409996,"sentiment":"neutral","sentiment_score":0.058925570299228035},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":67.409996,"end":71.51,"sentiment":"neutral","sentiment_score":0.06568445917218924},{"text":"Yeah.","start":77.585,"end":78.085,"sentiment":"neutral","sentiment_score":0.013239113613963127},{"text":"Perfect.","start":81.105,"end":81.605,"sentiment":"neutral","sentiment_score":0.2659500539302826},{"text":"Thank you so much for that.","start":81.665,"end":83.265,"sentiment":"positive","sentiment_score":0.38726967573165894}],"sentiment":"neutral","sentiment_score":0.12558970079921625,"num_words":34,"start":65.57,"end":83.265},{"sentences":[{"text":"How's your day been?","start":83.265,"end":84.145004,"sentiment":"neutral","sentiment_score":0.12998483143746853},{"text":"I know you've been working some long hours recently.","start":84.145004,"end":86.325005,"sentiment":"neutral","sentiment_score":-0.04336479182044665},{"text":"How's today gone?","start":86.385,"end":87.72,"sentiment":"neutral","sentiment_score":-0.061093928292393684},{"text":"Yeah.","start":90.44,"end":90.94,"sentiment":"neutral","sentiment_score":0.060841940343379974},{"text":"Wow.","start":91.24,"end":91.74,"sentiment":"neutral","sentiment_score":0.14224013686180115}],"sentiment":"neutral","sentiment_score":0.008303138427436352,"num_words":18,"start":83.265,"end":91.74},{"sentences":[{"text":"Absolutely.","start":93.4,"end":93.9,"sentiment":"neutral","sentiment_score":0.3188925087451935},{"text":"Absolutely.","start":94.76,"end":95.26,"sentiment":"neutral","sentiment_score":0.32719090580940247},{"text":"And you're almost halfway through the week.","start":95.48,"end":97.5,"sentiment":"neutral","sentiment_score":0.20383239643914358},{"text":"It's amazing.","start":99.72,"end":100.36,"sentiment":"positive","sentiment_score":0.6762002408504486},{"text":"We're already in March.","start":100.36,"end":101.32,"sentiment":"neutral","sentiment_score":0.12169505935162306}],"sentiment":"neutral","sentiment_score":0.26080606058239936,"num_words":15,"start":93.4,"end":101.32},{"sentences":[{"text":"This year is flying by.","start":101.32,"end":102.68,"sentiment":"neutral","sentiment_score":-0.1352483481168747},{"text":"It's crazy, isn't it?","start":102.68,"end":104.325,"sentiment":"neutral","sentiment_score":-0.014425399713218212},{"text":"All good.","start":105.745,"end":106.565,"sentiment":"neutral","sentiment_score":0.31048277020454407},{"text":"Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there.","start":106.625,"end":111.465,"sentiment":"neutral","sentiment_score":0.07024699377898987},{"text":"It takes take a lot of it in.","start":111.465,"end":113.345,"sentiment":"neutral","sentiment_score":0.06595866614952683}],"sentiment":"neutral","sentiment_score":0.049802519298262064,"num_words":45,"start":101.32,"end":113.345},{"sentences":[{"text":"Essentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial.","start":113.345,"end":119.590004,"sentiment":"neutral","sentiment_score":0.12741397764711154},{"text":"My adviser registration number through ASIC is 1304394.","start":120.13,"end":125.03,"sentiment":"neutral","sentiment_score":0.06496000196784735},{"text":"Okay?","start":125.17,"end":125.67,"sentiment":"neutral","sentiment_score":0.064287468791008},{"text":"The advice we have for bearing has been provided in your best interest, so we always make sure we're going through the details of updating your circumstances, looking at your goals so that we are working towards your goals moving forward.","start":126.29,"end":136.945,"sentiment":"neutral","sentiment_score":0.15841941008480584},{"text":"Okay?","start":137.005,"end":137.505,"sentiment":"neutral","sentiment_score":0.06660746783018112}],"sentiment":"neutral","sentiment_score":0.1364092263393104,"num_words":72,"start":113.345,"end":137.505},{"sentences":[{"text":"With the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you.","start":139.085,"end":147.87999,"sentiment":"neutral","sentiment_score":0.03657435970928739},{"text":"At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week.","start":148.01999,"end":155.37999,"sentiment":"neutral","sentiment_score":0.03655830564509545},{"text":"Does that still sound fairly accurate for where you're at at the moment?","start":155.37999,"end":158.59999,"sentiment":"neutral","sentiment_score":0.014217007600773986},{"text":"Yeah.","start":160.395,"end":160.715,"sentiment":"neutral","sentiment_score":0.13224288821220398},{"text":"Beautiful.","start":160.715,"end":161.215,"sentiment":"neutral","sentiment_score":0.29279443621635437}],"sentiment":"neutral","sentiment_score":0.03736388586255927,"num_words":77,"start":139.085,"end":161.215},{"sentences":[{"text":"You are comfortable about looking looking at whether you needed to maybe start making additional contributions to Super to sort of help you along to meet that goal, and I've had a really good look, and I've made a recommendation there for you.","start":161.675,"end":172.575,"sentiment":"neutral","sentiment_score":0.21093678509080133},{"text":"Okay?","start":172.635,"end":173.135,"sentiment":"neutral","sentiment_score":0.11270029842853546},{"text":"With the estate planning side of things, I had a really good look, and it looks like we don't have a beneficiary nominal no nomination on file for your super there at the moment.","start":174.62999,"end":182.54999,"sentiment":"neutral","sentiment_score":0.08468629469108932},{"text":"So I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most effective way for you.","start":182.54999,"end":198.215,"sentiment":"neutral","sentiment_score":0.20644900601889407},{"text":"It looks like and I had a look on file, and I can't see one applied.","start":199.96999,"end":203.18999,"sentiment":"neutral","sentiment_score":-0.0006136150332167745}],"sentiment":"neutral","sentiment_score":0.15742428382237753,"num_words":150,"start":161.675,"end":203.18999},{"sentences":[{"text":"So we will make sure that is updated for you.","start":203.25,"end":205.89,"sentiment":"neutral","sentiment_score":0.10653694868087768},{"text":"Okay?","start":205.89,"end":206.39,"sentiment":"neutral","sentiment_score":0.06332176923751831},{"text":"All good.","start":207.32999,"end":208.06999,"sentiment":"positive","sentiment_score":0.4169587939977646},{"text":"I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super.","start":208.60999,"end":214.185,"sentiment":"positive","sentiment_score":0.3486448965138859},{"text":"I wanted to make sure that you kind of get a bit of an idea of where we're heading, where we're tracking for at the moment with regard to that.","start":214.185,"end":219.625,"sentiment":"neutral","sentiment_score":0.2460367848475774}],"sentiment":"neutral","sentiment_score":0.25605443486424745,"num_words":61,"start":203.25,"end":219.625},{"sentences":[{"text":"You're in your fifties, so you are getting closer to those retirement years.","start":219.625,"end":223.165,"sentiment":"neutral","sentiment_score":0.2770788875909952},{"text":"So not only just looking at super, but kinda showing you what we're on track for based on the recommendations there.","start":223.465,"end":229.12,"sentiment":"neutral","sentiment_score":0.3208661519345783},{"text":"Okay?","start":229.12,"end":229.62,"sentiment":"neutral","sentiment_score":0.12429886311292648},{"text":"One of the things we also did talk about was the insurance side of things.","start":230.72,"end":234.48,"sentiment":"neutral","sentiment_score":-0.08077400997281074},{"text":"So we did you did want me to go back and see if I was able to get any cover for you.","start":234.48,"end":239.46,"sentiment":"neutral","sentiment_score":-0.14824165505441753}],"sentiment":"neutral","sentiment_score":0.08321648655045363,"num_words":72,"start":219.625,"end":239.46},{"sentences":[{"text":"I did go back and look and do a lot of research and a lot of willing and dealing with regard to the insurance side of things.","start":239.56,"end":245.725,"sentiment":"neutral","sentiment_score":-0.09450791279474895},{"text":"Because you had a TPD claim back a while ago, it was gonna be difficult.","start":245.725,"end":249.985,"sentiment":"negative","sentiment_score":-0.40293707450230914},{"text":"I did speak yeah.","start":250.765,"end":252.765,"sentiment":"neutral","sentiment_score":-0.12184229865670204},{"text":"I did speak to the insurers, and because of the reason for the TPD claim, which was the lung cancer diagnosis, they actually come back saying they're not willing to offer any cover at all.","start":252.765,"end":262.82,"sentiment":"neutral","sentiment_score":-0.3318845240133149},{"text":"We are not even able to get life or trauma at the moment.","start":262.82,"end":265.72,"sentiment":"negative","sentiment_score":-0.5609550453149356}],"sentiment":"neutral","sentiment_score":-0.297782051991275,"num_words":94,"start":239.56,"end":265.72},{"sentences":[{"text":"So what I've wanted to do we tried.","start":265.86,"end":268.66,"sentiment":"neutral","sentiment_score":0.04993969819042832},{"text":"We we gave it our best shot.","start":268.66,"end":270.165,"sentiment":"neutral","sentiment_score":0.22535163164138794},{"text":"So it does mean that we are not able to make a recommendation, and we're not able to meet your insurance goal.","start":271.36502,"end":276.165,"sentiment":"neutral","sentiment_score":-0.17720909484408118},{"text":"However, because you are in your fifties, I wanted to put a bit more focus into your super.","start":276.165,"end":280.885,"sentiment":"neutral","sentiment_score":0.12608949260579216},{"text":"Let's boost your super to kind of close that gap.","start":280.885,"end":283.75998,"sentiment":"positive","sentiment_score":0.4311844378709793}],"sentiment":"neutral","sentiment_score":0.0716897564008832,"num_words":65,"start":265.86,"end":283.75998},{"sentences":[{"text":"So if anything happens from the age of 60 onwards, you're able to access your super.","start":283.75998,"end":288.74,"sentiment":"positive","sentiment_score":0.34163488633930683},{"text":"Even before the age of 60, say, if something was to happen to you and you were to, you know, have to claim PPD and you could get the doctors to sign off on that, then we also can claim permanent incapacity against your super.","start":289.28,"end":301.545,"sentiment":"neutral","sentiment_score":-0.24938444743553798},{"text":"So there's it's it's still leaving a bit of a gap there, but there are things that we can do down the track.","start":301.545,"end":306.98502,"sentiment":"neutral","sentiment_score":-0.21178354905999225},{"text":"So I wanted to be open and honest there, and I figured since we can't get the insurance, if we're not able to meet that goal, let's focus on Super and try to build that as much as we possibly can.","start":306.98502,"end":316.07,"sentiment":"neutral","sentiment_score":0.10854842132184564},{"text":"Okay?","start":316.07,"end":316.57,"sentiment":"neutral","sentiment_score":0.06510686129331589}],"sentiment":"neutral","sentiment_score":-0.04850453528619948,"num_words":126,"start":283.75998,"end":316.57},{"sentences":[{"text":"With income protection, you can try, but it is gonna be very, very difficult because you do have to disclose you've had a d a TPD claim in the past.","start":321.35,"end":331.065,"sentiment":"neutral","sentiment_score":-0.2757757380604744},{"text":"They're gonna wanna understand why that claim occurred.","start":331.065,"end":333.805,"sentiment":"negative","sentiment_score":-0.33805834129452705},{"text":"Disability and income protection is gonna be very difficult.","start":334.26498,"end":337.245,"sentiment":"negative","sentiment_score":-0.5302181210782793},{"text":"In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net.","start":338.03,"end":351.49503,"sentiment":"neutral","sentiment_score":0.10466761543200566},{"text":"If you wanted advice in other areas, because I'm a full licensed adviser, if you wanted maybe cash flow and budgeting advice to help build a savings account to give you, like, a safety net in the event that you're not working and need a bit of, you know, an emergency fund to fall back on if you wanted to look at investing outside of super and building wealth in other areas there.","start":351.49503,"end":370.84,"sentiment":"neutral","sentiment_score":0.17873644941065409}],"sentiment":"neutral","sentiment_score":0.015934737485855124,"num_words":172,"start":321.35,"end":370.84},{"sentences":[{"text":"I can help and provide advice on those.","start":370.98,"end":373.32,"sentiment":"neutral","sentiment_score":0.3214292600750923},{"text":"And, I mean, when it comes, yeah, but when it comes to insurances, we kind of look at that as sort of the be on end or as the protection if something was to happen.","start":373.46002,"end":381.735,"sentiment":"neutral","sentiment_score":0.06297495311924389},{"text":"But at the end of the day, insurances only provide a certain level of cover that can still be a gap involved.","start":382.115,"end":387.555,"sentiment":"neutral","sentiment_score":-0.12459828670729291},{"text":"So whilst we're not able to get cover, we can look at building wealth and closing the gap in other ways for you, whether it be building savings in in a bank account somewhere or whether we're looking at investing down the track as well.","start":387.555,"end":399.37997,"sentiment":"neutral","sentiment_score":0.0837198983463976},{"text":"So if it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those sorts of options for you.","start":399.37997,"end":406.215,"sentiment":"neutral","sentiment_score":0.14506629495216267}],"sentiment":"neutral","sentiment_score":0.07147570156856724,"num_words":138,"start":370.98,"end":406.215},{"sentences":[{"text":"Okay?","start":406.215,"end":406.715,"sentiment":"neutral","sentiment_score":0.27887576818466187},{"text":"Perfect.","start":407.655,"end":408.155,"sentiment":"positive","sentiment_score":0.598425030708313},{"text":"I'll jump sort of into the recommendations.","start":409.01498,"end":410.875,"sentiment":"neutral","sentiment_score":0.24349559843540192},{"text":"Now as you are going through this document when you are seeing it there, have a double check of your assets and liabilities.","start":411.09497,"end":416.235,"sentiment":"neutral","sentiment_score":0.1014404445886612},{"text":"We have things noted, like your boat, your caravandy contents, and your Nissan Navara there with the current values we had noted.","start":416.4,"end":423.04,"sentiment":"neutral","sentiment_score":0.07702541554516013}],"sentiment":"neutral","sentiment_score":0.12239739547173183,"num_words":54,"start":406.215,"end":423.04},{"sentences":[{"text":"If you find there are changes, please do let me know.","start":423.04,"end":425.6,"sentiment":"neutral","sentiment_score":0.010411658070304176},{"text":"I can update everything in the back end.","start":425.6,"end":427.62,"sentiment":"neutral","sentiment_score":0.0812673601321876},{"text":"The good news is no changes to those affect the advice in any way at the moment.","start":427.68,"end":432.015,"sentiment":"neutral","sentiment_score":0.1046166222761659},{"text":"Okay.","start":432.17502,"end":432.67502,"sentiment":"neutral","sentiment_score":0.21375548839569092},{"text":"Yeah.","start":433.295,"end":433.795,"sentiment":"neutral","sentiment_score":0.29892125725746155}],"sentiment":"neutral","sentiment_score":0.08041648537312683,"num_words":38,"start":423.04,"end":433.795},{"sentences":[{"text":"All good.","start":434.17502,"end":434.915,"sentiment":"positive","sentiment_score":0.4480910897254944},{"text":"Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account.","start":435.535,"end":442.755,"sentiment":"neutral","sentiment_score":0.16625523405230563},{"text":"Hub 24 has been a great platform.","start":443.05502,"end":444.975,"sentiment":"positive","sentiment_score":0.6543486629213605},{"text":"It is working really well there for you, and there are no major changes to the platform that require us to move on out.","start":444.975,"end":450.78,"sentiment":"positive","sentiment_score":0.43292251757035655},{"text":"I am obviously, because we don't have any insurances, we're not able to get any.","start":451.48,"end":455.4,"sentiment":"neutral","sentiment_score":-0.06257111504673958}],"sentiment":"neutral","sentiment_score":0.26411361829705643,"num_words":71,"start":434.17502,"end":455.4},{"sentences":[{"text":"I am also recommending that you do commence a salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the super there.","start":455.4,"end":464.685,"sentiment":"neutral","sentiment_score":0.11882832315233019},{"text":"Sorry.","start":464.98502,"end":465.305,"sentiment":"neutral","sentiment_score":-0.03981102257966995},{"text":"$50 per week.","start":465.305,"end":466.265,"sentiment":"neutral","sentiment_score":-0.04737920189897219},{"text":"I do apologize.","start":466.265,"end":467.085,"sentiment":"neutral","sentiment_score":-0.11126248786846797},{"text":"Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super.","start":468.825,"end":474.9,"sentiment":"neutral","sentiment_score":0.24796912107955327}],"sentiment":"neutral","sentiment_score":0.14549909458894814,"num_words":56,"start":455.4,"end":474.9},{"sentences":[{"text":"You have a really good balance at the moment.","start":475.04,"end":476.96,"sentiment":"positive","sentiment_score":0.5392746958467696},{"text":"So when the advice was done up a few weeks ago, the balance in your current super was about 304,000 and 73.","start":476.96,"end":484.74,"sentiment":"neutral","sentiment_score":0.17195057796991683},{"text":"By increasing contributions in by that $50 on a weekly basis, you're adding after tax next to 2,210 into super on top of your employer pay contributions.","start":485.245,"end":494.785,"sentiment":"neutral","sentiment_score":0.22712186641163296},{"text":"So that can provide a bit more of a benefit for you down the track.","start":495.165,"end":498.765,"sentiment":"positive","sentiment_score":0.5331010073423386},{"text":"And instead of having the, yeah, instead of having the money invested essentially in sorry.","start":498.765,"end":505.04,"sentiment":"neutral","sentiment_score":0.10120931764443715}],"sentiment":"neutral","sentiment_score":0.27594693461221387,"num_words":88,"start":475.04,"end":505.04},{"sentences":[{"text":"Instead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%.","start":505.04,"end":513.12,"sentiment":"neutral","sentiment_score":0.12216414198279381},{"text":"So it is tax less than five people, so you have more invested there for you working harder.","start":513.12,"end":518.42505,"sentiment":"neutral","sentiment_score":0.15769022703170776},{"text":"Okay?","start":518.645,"end":519.145,"sentiment":"neutral","sentiment_score":0.08744989335536957},{"text":"Perfect.","start":519.36505,"end":519.86505,"sentiment":"positive","sentiment_score":0.6231961250305176},{"text":"One of the things you wanted to look at when we spoke last time was maybe moving into more of a high growth portfolio.","start":520.405,"end":525.465,"sentiment":"neutral","sentiment_score":0.13316754965732494}],"sentiment":"neutral","sentiment_score":0.1420173166130764,"num_words":69,"start":505.04,"end":525.465},{"sentences":[{"text":"You wanted to be able to take a little bit more risk in the market to see if you can get some greater potential returns there, we are recommending that we do move you into that higher growth environment for the time being.","start":525.525,"end":535.5,"sentiment":"neutral","sentiment_score":0.1713254141599633},{"text":"We can always pull back and make changes and reduce that down the track if you would like to or if you feel not comfortable with it.","start":535.5,"end":541.545,"sentiment":"neutral","sentiment_score":0.015374013188260573},{"text":"But taking on a little bit more risk now can provide those greater potential returns.","start":542.02496,"end":545.70496,"sentiment":"neutral","sentiment_score":0.02950231060385704},{"text":"And because you're not wanting to access super until essentially the age of 65 there, you've got a bit more time.","start":545.70496,"end":551.305,"sentiment":"neutral","sentiment_score":0.002200520464352199},{"text":"You've got over ten years time horizon to take on and see if you can get your sleep and work a little bit harder for you.","start":551.305,"end":557.08,"sentiment":"neutral","sentiment_score":-0.006014196739460413}],"sentiment":"neutral","sentiment_score":0.06147323968594499,"num_words":132,"start":525.525,"end":557.08},{"sentences":[{"text":"So it's absolutely fine.","start":557.08,"end":558.62,"sentiment":"neutral","sentiment_score":0.30340034514665604},{"text":"Okay?","start":558.68,"end":559.18,"sentiment":"neutral","sentiment_score":0.29867005348205566},{"text":"I had a really good look at the investments, and one of the reasons it did take a little bit longer to provide the advice was we've have sort of noticed that one of the investments within your portfolio has actually been underperforming.","start":560.68,"end":570.635,"sentiment":"neutral","sentiment_score":-0.27306102727388226},{"text":"So we've actually taken steps as part of this advice document to remove that.","start":570.935,"end":574.875,"sentiment":"neutral","sentiment_score":-0.26861812600067686},{"text":"The Benelon Australian Equities, which was initially put in your portfolio as more of an actively managed fund, has been underperforming for the past couple of months.","start":575.815,"end":584.41,"sentiment":"negative","sentiment_score":-0.3383751740610158}],"sentiment":"neutral","sentiment_score":-0.25984422699286697,"num_words":89,"start":557.08,"end":584.41},{"sentences":[{"text":"So as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no.","start":584.41,"end":589.61,"sentiment":"neutral","sentiment_score":-0.14302632638386317},{"text":"We wanna remove that out.","start":589.61,"end":590.81,"sentiment":"neutral","sentiment_score":-0.2086698442697525},{"text":"It's no longer seen as a quality investment to keep in super, and the fact that it's underperforming isn't giving you any advantages.","start":590.81,"end":598.225,"sentiment":"neutral","sentiment_score":-0.205129265461279},{"text":"So we are removing Ben along out.","start":598.525,"end":602.145,"sentiment":"neutral","sentiment_score":-0.10811748887811388},{"text":"And so by putting you into that high growth environment, you'll see in the advice document all the investments that we have in there.","start":602.365,"end":610.28,"sentiment":"neutral","sentiment_score":0.05856745123552779}],"sentiment":"neutral","sentiment_score":-0.10145098466891796,"num_words":80,"start":584.41,"end":610.28},{"sentences":[{"text":"We'll show you what we're selling and what we're gonna buy.","start":610.28,"end":612.94,"sentiment":"neutral","sentiment_score":0.09643168544227426},{"text":"But we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids.","start":613.48004,"end":619.48004,"sentiment":"neutral","sentiment_score":-0.0337115487911635},{"text":"You had some bank hybrids in there, and they're more of a defensive investment.","start":619.48004,"end":622.905,"sentiment":"neutral","sentiment_score":-0.05456197275114911},{"text":"Over the course of the next couple of years, they are gonna be sort of phased out.","start":622.905,"end":627.06506,"sentiment":"neutral","sentiment_score":-0.14796852320432663},{"text":"So we are taking the steps to remove that as well as the Benelon equities and put that money into something that has sort of shown a a little bit more of a return and can provide you a greater benefit over the next sort of ten odd years there.","start":627.06506,"end":640.12,"sentiment":"neutral","sentiment_score":0.12953108839690686}],"sentiment":"neutral","sentiment_score":0.03319238698617979,"num_words":110,"start":610.28,"end":640.12},{"sentences":[{"text":"Okay?","start":640.12,"end":640.62,"sentiment":"neutral","sentiment_score":0.1060539036989212},{"text":"Perfect.","start":641.48,"end":641.98,"sentiment":"positive","sentiment_score":0.4233846068382263},{"text":"So within that high growth in portfolio, once we've completed the swap over and the changes and a bit of a rebalance on things, essentially, you'll have a bit of physical Global x physical gold in there.","start":642.6,"end":653.805,"sentiment":"neutral","sentiment_score":0.11889051454695496},{"text":"You'll have about 7%.","start":653.805,"end":655.32495,"sentiment":"neutral","sentiment_score":0.06971441023051739},{"text":"Gold has been doing gangbusters over the last year and continues to do well.","start":655.32495,"end":659.505,"sentiment":"neutral","sentiment_score":0.10860695822962693}],"sentiment":"neutral","sentiment_score":0.1180305720159882,"num_words":57,"start":640.12,"end":659.505},{"sentences":[{"text":"It's more of an alternative investment, but it is seen as growth.","start":659.805,"end":662.76495,"sentiment":"neutral","sentiment_score":0.17725973824659982},{"text":"It does provide great growth and at times where equities aren't performing well come act defensively for your portfolio as well.","start":662.76495,"end":669.51,"sentiment":"neutral","sentiment_score":0.2266593568381809},{"text":"You'll see a little bit of cybersecurity in there again about 7%.","start":670.61005,"end":674.21,"sentiment":"neutral","sentiment_score":0.15090871540208659},{"text":"This is sort of reaching out of branching into other areas to try and get greater potential returns.","start":674.21,"end":678.93,"sentiment":"neutral","sentiment_score":0.20749573823478487},{"text":"Cyber security is still quite a big area to be invested in.","start":678.93,"end":682.325,"sentiment":"neutral","sentiment_score":0.1247837779422601}],"sentiment":"neutral","sentiment_score":0.18573595414559047,"num_words":75,"start":659.805,"end":682.325},{"sentences":[{"text":"As much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there.","start":683.265,"end":693.925,"sentiment":"neutral","sentiment_score":-0.14685461602427743},{"text":"They do it does go up and down, but when you look at how The US on international equities, especially US equities, have performed over the last thirty years, they have provided greater potential returns.","start":694.31,"end":704.73,"sentiment":"neutral","sentiment_score":0.1578639610537461},{"text":"With the investment that you're actually in at the moment is the S and P 500, so it tracks the top 500 companies in The US.","start":705.99,"end":713.005,"sentiment":"neutral","sentiment_score":0.19937504999912703},{"text":"And that essentially means that whilst you're tracking the top 500, in order to be in the the S and P 500 index, they actually the index actually meets the investment committee for the index actually meets every quarter, and they determine whether in whether companies in The US are allowed to omit the criteria to stay within the index there.","start":713.305,"end":732.79,"sentiment":"neutral","sentiment_score":0.06952739445889583},{"text":"So if they no longer meet the in the criteria, they are removed from the S and P 500, which means that the investment you're in, which tracks the S and P 500 index, removes those investments as well.","start":732.79,"end":744.185,"sentiment":"neutral","sentiment_score":-0.0876524231563776}],"sentiment":"neutral","sentiment_score":0.03446141323170711,"num_words":194,"start":683.265,"end":744.185},{"sentences":[{"text":"So you are always invested in the top 500 companies regardless of what is happening within The US there.","start":744.185,"end":750.01,"sentiment":"neutral","sentiment_score":0.1162020909158807},{"text":"Okay?","start":750.01,"end":750.51,"sentiment":"neutral","sentiment_score":0.2503195106983185},{"text":"We'll also have exposure to the beta sales Raffi Aussie 200.","start":752.65,"end":756.49005,"sentiment":"neutral","sentiment_score":0.25766815922477027},{"text":"So giving you access to 200 companies in Australia.","start":756.49005,"end":759.21,"sentiment":"neutral","sentiment_score":0.30831218759218854},{"text":"It is looking at some of the top, but it's also giving you some access to low and mid cap companies.","start":759.21,"end":763.41504,"sentiment":"neutral","sentiment_score":0.3307272011325473}],"sentiment":"neutral","sentiment_score":0.24610803117517566,"num_words":61,"start":744.185,"end":763.41504},{"sentences":[{"text":"We're replacing Benelong with the a 200, which is the Australian top 200 companies on the ASX, which is great.","start":764.275,"end":770.935,"sentiment":"positive","sentiment_score":0.4506087452173233},{"text":"You'll see some global health care.","start":771.79504,"end":773.79504,"sentiment":"positive","sentiment_score":0.4896513322989146},{"text":"Health care is a very large area, and it's not just looking at, like, doctor surgeries and hospitals and things like that.","start":773.79504,"end":779.93,"sentiment":"neutral","sentiment_score":0.2011784091591835},{"text":"It's also looking at the IT sector within health care and the robotics around that sort of things as well.","start":779.93,"end":784.97,"sentiment":"neutral","sentiment_score":0.20852376148104668},{"text":"So global health care is an area to see growth in.","start":784.97,"end":788.895,"sentiment":"positive","sentiment_score":0.4085757786577398}],"sentiment":"neutral","sentiment_score":0.31697236322149447,"num_words":79,"start":764.275,"end":788.895},{"sentences":[{"text":"You'll still see some of the JPMorgan Global Research enhanced equity funds.","start":789.375,"end":793.455,"sentiment":"positive","sentiment_score":0.364200117221723},{"text":"They're giving you access to global investments that have up and coming or have can show growth, and JPMorgan is a great research tool to utilize, so that investment has seen some good growth, and we'll continue to see that.","start":793.455,"end":806.14,"sentiment":"positive","sentiment_score":0.6387315556406975},{"text":"And with defensive assets, because I mentioned we're moving the bank hybrids out.","start":807.08,"end":810.68,"sentiment":"neutral","sentiment_score":0.1691541224718094},{"text":"We're gonna put you into core composite bonds to still make sure you do have some defensive investments.","start":810.68,"end":815.58,"sentiment":"neutral","sentiment_score":0.17755046486854553},{"text":"These core composite bonds are giving you access to government bonds but also corporate bonds there as well, and bonds are great for income producing, which helps the compounding effect of your portfolio.","start":816.155,"end":826.015,"sentiment":"positive","sentiment_score":0.36486001086957526}],"sentiment":"positive","sentiment_score":0.4082323788857922,"num_words":116,"start":789.375,"end":826.015},{"sentences":[{"text":"So I know that's a lot to kinda go through.","start":826.23505,"end":828.47504,"sentiment":"neutral","sentiment_score":0.060186905413866044},{"text":"I try to make it fairly basic, but when you have a look at the document, you'll see what I'm talking about with those investments.","start":828.47504,"end":834.44,"sentiment":"neutral","sentiment_score":0.01163522144779563},{"text":"Yeah.","start":835.06,"end":835.56,"sentiment":"neutral","sentiment_score":0.11754731088876724},{"text":"If you find you have questions, you're welcome to let me know.","start":835.78,"end":838.92,"sentiment":"neutral","sentiment_score":0.1847586234410604},{"text":"And in the appendix in there, we do also have links to the PDFs and the investment information, so you're welcome to always open those links and have a look at it as well.","start":839.22003,"end":848.445,"sentiment":"neutral","sentiment_score":0.13255088590085506}],"sentiment":"neutral","sentiment_score":0.09431866467248921,"num_words":82,"start":826.23505,"end":848.445},{"sentences":[{"text":"Okay?","start":850.025,"end":850.265,"sentiment":"neutral","sentiment_score":0.11145207285881042},{"text":"Perfect.","start":850.265,"end":850.765,"sentiment":"neutral","sentiment_score":0.2602333128452301},{"text":"So, essentially, with this one here, we are looking to just alter the underlying portfolio there, start the salary sacrifice of $50 on a weekly basis there and and make sure we have 24.","start":851.225,"end":862.73,"sentiment":"neutral","sentiment_score":0.05046632266877329},{"text":"It's important to make you aware that, obviously, this is providing a greater benefit.","start":863.02997,"end":866.63,"sentiment":"neutral","sentiment_score":0.14777808609817708},{"text":"You're gonna be in a high growth portfolio, which has seen over the last utilizing a three year rolling average, and we have to use a three year for this one because the bank hybrids haven't shown a five year rolling average.","start":866.63,"end":877.905,"sentiment":"neutral","sentiment_score":0.17454988154627027}],"sentiment":"neutral","sentiment_score":0.12486444116043656,"num_words":92,"start":850.025,"end":877.905},{"sentences":[{"text":"So when we kind of look at that, the newer high growth portfolio has been greater returns utilizing the past three roll year rolling average, sorry, which can put you in a position to get greater potential returns as long as the market reacts the way we hope it does moving forward.","start":877.905,"end":893.56,"sentiment":"positive","sentiment_score":0.37801685786018},{"text":"It's really important I do let you know that by changing the investments within the portfolio, there are CDT consequences.","start":894.26,"end":899.88,"sentiment":"neutral","sentiment_score":0.0736598672810942},{"text":"I've got that in this table here for you.","start":900.885,"end":902.965,"sentiment":"neutral","sentiment_score":0.3313785228464339},{"text":"So it does show that by making the changes there, the expected CDT consequences of tax your funds will pay is about $2,032 for the changes.","start":902.965,"end":912.34503,"sentiment":"neutral","sentiment_score":0.3223392911828481},{"text":"But we're also saving you an investment fee.","start":913.3,"end":915.45996,"sentiment":"positive","sentiment_score":0.5564033351838589}],"sentiment":"neutral","sentiment_score":0.3212567731495137,"num_words":115,"start":877.905,"end":915.45996},{"sentences":[{"text":"So by enable by making these changes to your portfolio, it's seeing greater growth.","start":915.45996,"end":919.86,"sentiment":"positive","sentiment_score":0.6894816500799996},{"text":"There are other CDT consequences, but we can sort of see that we're saving about $728 for the first year in investment fees as well.","start":919.86,"end":928.225,"sentiment":"positive","sentiment_score":0.45534277975559234},{"text":"So that's the benefit and the bonus for you.","start":928.225,"end":930.725,"sentiment":"neutral","sentiment_score":0.23210543559657204},{"text":"It basically means that your super fund's gonna do a tax return for you, and they'll have to pay capital gains tax of $2,032, but it doesn't affect you in any way, shape, or form.","start":932.945,"end":941.83,"sentiment":"neutral","sentiment_score":0.19182628733771187},{"text":"Yeah.","start":942.53,"end":943.03,"sentiment":"positive","sentiment_score":0.3695855140686035}],"sentiment":"positive","sentiment_score":0.3596281795984223,"num_words":84,"start":915.45996,"end":943.03},{"sentences":[{"text":"All good.","start":943.89,"end":944.37,"sentiment":"positive","sentiment_score":0.6097732186317444},{"text":"It's actually kinda funny.","start":944.37,"end":945.32996,"sentiment":"positive","sentiment_score":0.37645919620990753},{"text":"A lot of people don't realize that your super fund, the trustees in your fund, they actually do a tax return every year for you for your super.","start":945.32996,"end":951.91003,"sentiment":"neutral","sentiment_score":0.20336360856890678},{"text":"So your super has pays incomes and capital gains tax on a yearly basis.","start":952.495,"end":956.735,"sentiment":"neutral","sentiment_score":0.2202892420547349},{"text":"You just don't see it because it's not something you have to sign off on.","start":956.735,"end":960.27496,"sentiment":"neutral","sentiment_score":0.041220907121896744}],"sentiment":"neutral","sentiment_score":0.1924115437718611,"num_words":63,"start":943.89,"end":960.27496},{"sentences":[{"text":"So, yeah, that happens automatically every year.","start":960.975,"end":963.615,"sentiment":"neutral","sentiment_score":0.2181801242487771},{"text":"This will happen as well.","start":963.615,"end":964.735,"sentiment":"positive","sentiment_score":0.36749242842197416},{"text":"We just have to let you know that there are, obviously, the expected tax consequences there for you.","start":964.735,"end":969.85004,"sentiment":"neutral","sentiment_score":0.15959956786698765},{"text":"But the benefits of this is that the the investment fees within the fund, by making these changes, we expect to save you $728 for the first year on investment fees.","start":969.99,"end":979.59,"sentiment":"positive","sentiment_score":0.5228634688162035},{"text":"So it's a little bit cheaper on fees for you, which is important.","start":979.59,"end":982.57,"sentiment":"positive","sentiment_score":0.3754109556858356}],"sentiment":"positive","sentiment_score":0.3692787187929089,"num_words":74,"start":960.975,"end":982.57},{"sentences":[{"text":"Yeah.","start":983.22504,"end":983.72504,"sentiment":"positive","sentiment_score":0.4338371753692627},{"text":"All good.","start":984.025,"end":984.84503,"sentiment":"positive","sentiment_score":0.6181198060512543},{"text":"I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000.","start":986.18506,"end":1005.61,"sentiment":"neutral","sentiment_score":0.2804934141727594},{"text":"With your balance the way it is, you could honestly end up in that sort of direction over the next sort of five to six years, But it really just depends upon what the market does, but you will see a bit of a projection in there for you.","start":1005.83,"end":1017.035,"sentiment":"neutral","sentiment_score":0.2706622438011121},{"text":"Okay?","start":1017.035,"end":1017.535,"sentiment":"neutral","sentiment_score":0.08044139295816422}],"sentiment":"neutral","sentiment_score":0.28161415597068445,"num_words":131,"start":983.22504,"end":1017.535},{"sentences":[{"text":"Perfect.","start":1018.475,"end":1018.975,"sentiment":"positive","sentiment_score":0.6993749141693115},{"text":"With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope.","start":1019.915,"end":1025.38,"sentiment":"neutral","sentiment_score":0.16865654560652646},{"text":"You still got over ten years to go.","start":1025.38,"end":1027.14,"sentiment":"neutral","sentiment_score":0.09931413549929857},{"text":"So there can be some changes, and I wanna kinda keep you on track.","start":1027.14,"end":1030.82,"sentiment":"neutral","sentiment_score":0.18941452833158628},{"text":"But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals.","start":1030.82,"end":1044.955,"sentiment":"neutral","sentiment_score":0.20474125021560627}],"sentiment":"neutral","sentiment_score":0.1894915776138895,"num_words":89,"start":1018.475,"end":1044.955},{"sentences":[{"text":"So we sort of talked about drawing down regular income of about 35,000 on a yearly basis there.","start":1044.955,"end":1051.375,"sentiment":"neutral","sentiment_score":-0.023991013463172648},{"text":"Essentially, this is almost keeping you on track and having super last to about age 91.","start":1052.155,"end":1057.5701,"sentiment":"positive","sentiment_score":0.35684944968670607},{"text":"So you can draw certainly more money out than what we can sort of see with regards to this.","start":1057.5701,"end":1062.85,"sentiment":"neutral","sentiment_score":0.23538571282436974},{"text":"It just means that the super doesn't last as long.","start":1062.85,"end":1065.51,"sentiment":"neutral","sentiment_score":0.08044404834508896},{"text":"But given, yeah, but given when we get closer to it, one of the things I'll also factor in is the age pension side of things.","start":1065.81,"end":1072.995,"sentiment":"neutral","sentiment_score":0.04433901887387037}],"sentiment":"neutral","sentiment_score":0.13154310640994082,"num_words":89,"start":1044.955,"end":1072.995},{"sentences":[{"text":"So when we get closer, we can talk more about your level.","start":1072.995,"end":1076.275,"sentiment":"neutral","sentiment_score":0.053528916711608567},{"text":"Given your current circumstances, it looks like you should be eligible for a bit of age pension around age seven as well, which means we can draw a little bit less out of super and give you longevity down down the way as well.","start":1076.275,"end":1086.77,"sentiment":"neutral","sentiment_score":0.1436413906683976},{"text":"But I'll keep you updated.","start":1086.77,"end":1088.53,"sentiment":"neutral","sentiment_score":0.1725494682788849},{"text":"We'll keep reviewing this and keep you on track there.","start":1088.53,"end":1091.3301,"sentiment":"positive","sentiment_score":0.3504430651664734},{"text":"Okay?","start":1091.3301,"end":1091.8301,"sentiment":"neutral","sentiment_score":0.2196560502052307}],"sentiment":"neutral","sentiment_score":0.16040836435018313,"num_words":72,"start":1072.995,"end":1091.8301},{"sentences":[{"text":"Perfect.","start":1092.93,"end":1093.43,"sentiment":"positive","sentiment_score":0.7617400884628296},{"text":"I do have the strategy in there with regard to the sales back as well.","start":1094.2949,"end":1097.735,"sentiment":"neutral","sentiment_score":0.2752238194147746},{"text":"It kinda shows you I've essentially the difference in the tax consequences between your current position to the idea of salary sacrificing.","start":1097.735,"end":1104.6349,"sentiment":"neutral","sentiment_score":0.05378660339523445},{"text":"It does kinda provide you with the benefit of paying a little bit less income tax, which is a benefit to you.","start":1105.4149,"end":1111.9501,"sentiment":"neutral","sentiment_score":0.25490998002615844},{"text":"However, the disadvantage of salary sacrificing is that your take home pay is a little bit less as well because that $50 per week is going into super.","start":1111.9501,"end":1119.49,"sentiment":"neutral","sentiment_score":-0.11052626238337585}],"sentiment":"neutral","sentiment_score":0.09757598713887009,"num_words":88,"start":1092.93,"end":1119.49},{"sentences":[{"text":"But when I sort of look at it, the the advantage of being able to want more money into super and have it invested outweighs that additional of not of not having that in your take home pay.","start":1119.9501,"end":1129.845,"sentiment":"neutral","sentiment_score":0.06996906578148666},{"text":"Okay.","start":1129.845,"end":1130.345,"sentiment":"neutral","sentiment_score":0.29398947954177856},{"text":"All good.","start":1131.845,"end":1132.585,"sentiment":"positive","sentiment_score":0.448556512594223},{"text":"Well, the other side of that is just the beneficiary side of things.","start":1133.605,"end":1136.645,"sentiment":"neutral","sentiment_score":0.08430345155871831},{"text":"So I will make sure your beneficiaries are up to date.","start":1136.645,"end":1138.92,"sentiment":"neutral","sentiment_score":0.1352810107848861}],"sentiment":"neutral","sentiment_score":0.09898404605113544,"num_words":65,"start":1119.9501,"end":1138.92},{"sentences":[{"text":"I am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse.","start":1138.92,"end":1144.06,"sentiment":"neutral","sentiment_score":0.18321328030692208},{"text":"That way, if anything does happen, she gets a 100% of the benefit there paid out to her.","start":1144.2001,"end":1148.7001,"sentiment":"neutral","sentiment_score":0.32271268632676864},{"text":"And I will sort of let everyone know to let their spouse know that you are that I am your financial adviser, that if anything was to happen to call me and I can help her with the claim just to make sure things are done along.","start":1148.8401,"end":1159.175,"sentiment":"neutral","sentiment_score":0.15877310646341203},{"text":"I know it's, you know, when your times where your spouse has passed, it can be a really difficult time frame.","start":1159.175,"end":1164.695,"sentiment":"neutral","sentiment_score":-0.044471338125211854},{"text":"So it's important to make sure that she's aware of where your super is, that you do have a benefit that she can claim on it, and we'll help you with the beneficiary nominations as well.","start":1164.695,"end":1175.58,"sentiment":"neutral","sentiment_score":0.1711641156839}],"sentiment":"neutral","sentiment_score":0.1556929533369839,"num_words":140,"start":1138.92,"end":1175.58},{"sentences":[{"text":"It's the hardest part of getting someone to witness it for you.","start":1175.58,"end":1179.04,"sentiment":"neutral","sentiment_score":0.014702764339745045},{"text":"Yeah.","start":1180.525,"end":1181.025,"sentiment":"neutral","sentiment_score":0.032800331711769104},{"text":"The only other thing to kinda go through with you is, obviously, there's no sorry.","start":1181.485,"end":1185.325,"sentiment":"neutral","sentiment_score":0.03373970414201419},{"text":"Insurance recommendations.","start":1185.325,"end":1186.305,"sentiment":"neutral","sentiment_score":0.025249440222978592},{"text":"This advice has been provided.","start":1186.445,"end":1188.065,"sentiment":"neutral","sentiment_score":0.09340151846408844}],"sentiment":"neutral","sentiment_score":0.035223872533866336,"num_words":35,"start":1175.58,"end":1188.065},{"sentences":[{"text":"There's no implementation fees payable.","start":1188.285,"end":1190.785,"sentiment":"neutral","sentiment_score":0.05278511866927147},{"text":"But the last couple of years, we have been providing our services and looking after everything and not charging an ongoing service fee.","start":1191.485,"end":1197.92,"sentiment":"neutral","sentiment_score":0.11241357125665831},{"text":"So I am gonna turn the ongoing service fee back on.","start":1197.92,"end":1200.9,"sentiment":"neutral","sentiment_score":0.09107848019762473},{"text":"It is 1.65% per annum, and it's deducted in smaller monthly increments.","start":1201.28,"end":1206.1,"sentiment":"neutral","sentiment_score":0.11483248323202133},{"text":"So I've accounted for that as part of the projection.","start":1206.24,"end":1209.215,"sentiment":"neutral","sentiment_score":0.13277460709214212}],"sentiment":"neutral","sentiment_score":0.10749240793654176,"num_words":61,"start":1188.285,"end":1209.215},{"sentences":[{"text":"We're working harder towards your goals, and the ongoing service fee doesn't have a huge impact on that.","start":1209.215,"end":1214.755,"sentiment":"neutral","sentiment_score":0.2414870328373379},{"text":"But it just means that we're getting paid for our services.","start":1214.895,"end":1217.375,"sentiment":"neutral","sentiment_score":0.08668654547496275},{"text":"We're looking after things, and and we'll keep updating the advice.","start":1217.375,"end":1220.35,"sentiment":"neutral","sentiment_score":0.17806087976152246},{"text":"I'll keep looking after you and working towards your goals.","start":1220.35,"end":1223.09,"sentiment":"positive","sentiment_score":0.3632049039006233},{"text":"But you'll see in there the ongoing service fee and what that looks like and, essentially, how that works.","start":1223.31,"end":1229.07,"sentiment":"neutral","sentiment_score":0.05372112009086107}],"sentiment":"neutral","sentiment_score":0.17263389260008716,"num_words":69,"start":1209.215,"end":1229.07},{"sentences":[{"text":"But one of the big things about our fee is that it is percentage based, so it fluctuates with the market.","start":1229.07,"end":1233.985,"sentiment":"neutral","sentiment_score":0.03139646555341426},{"text":"So when the market is doing really well, it tells me that our ongoing service fee is gonna be a little bit higher.","start":1233.985,"end":1239.525,"sentiment":"neutral","sentiment_score":0.023080264258643856},{"text":"However, when the market does pay take a bit of a dip there, the amount we're gonna receive is slightly lower as well.","start":1239.665,"end":1245.745,"sentiment":"neutral","sentiment_score":-0.051866390944822975},{"text":"So I just wanted to be open and honest with you and let you know I do wanna turn that on to keep monitoring things and looking after you.","start":1245.745,"end":1252.34,"sentiment":"neutral","sentiment_score":0.20618248409752188},{"text":"But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time.","start":1252.3999,"end":1260.24,"sentiment":"positive","sentiment_score":0.44774111886234846}],"sentiment":"neutral","sentiment_score":0.1630748841768274,"num_words":130,"start":1229.07,"end":1260.24},{"sentences":[{"text":"Okay?","start":1260.24,"end":1260.74,"sentiment":"neutral","sentiment_score":0.28254222869873047},{"text":"All good.","start":1261.8251,"end":1262.645,"sentiment":"positive","sentiment_score":0.4757033884525299},{"text":"I know it's a lot, and I'm so sorry.","start":1262.9451,"end":1264.9651,"sentiment":"neutral","sentiment_score":-0.02039157749257154},{"text":"I will email this through to you now so you can also have a bit of a look at it.","start":1266.0651,"end":1269.7451,"sentiment":"neutral","sentiment_score":0.16366702727973462},{"text":"If you have any questions, Glenn, you're welcome to let me know.","start":1269.7451,"end":1273.045,"sentiment":"neutral","sentiment_score":0.24401249239842096}],"sentiment":"neutral","sentiment_score":0.16481625596696342,"num_words":44,"start":1260.24,"end":1273.045},{"sentences":[{"text":"If you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me.","start":1273.425,"end":1280.92,"sentiment":"neutral","sentiment_score":0.26534281229531326},{"text":"Yeah.","start":1280.92,"end":1281.4,"sentiment":"neutral","sentiment_score":0.23358571529388428},{"text":"And then my team will start by essentially completing the investment switch in the account.","start":1281.4,"end":1286.52,"sentiment":"neutral","sentiment_score":0.2768875827391942},{"text":"So you'll see us buying and selling in the back end, which will be really cool in rebalancing everything for you.","start":1286.52,"end":1291.485,"sentiment":"positive","sentiment_score":0.4447434303306398},{"text":"We'll then give you the salary sacrifice letter to give to your employer, and we'll help with the beneficiary nominations to be a nice easy implementation process.","start":1291.8049,"end":1299.585,"sentiment":"positive","sentiment_score":0.37060580982102287}],"sentiment":"positive","sentiment_score":0.3395288383567726,"num_words":91,"start":1273.425,"end":1299.585},{"sentences":[{"text":"Do you have any questions for me?","start":1300.605,"end":1302.125,"sentiment":"neutral","sentiment_score":0.1529237926006317},{"text":"I'm so sorry.","start":1302.125,"end":1303.005,"sentiment":"neutral","sentiment_score":-0.04105630641182264},{"text":"It it's a lot to kinda go through.","start":1303.005,"end":1305.025,"sentiment":"neutral","sentiment_score":0.013698134804144502},{"text":"Oh, beautiful.","start":1308.26,"end":1309.8,"sentiment":"positive","sentiment_score":0.4468465894460678},{"text":"You're a legend.","start":1311.22,"end":1312.26,"sentiment":"positive","sentiment_score":0.7509105602900187}],"sentiment":"neutral","sentiment_score":0.18275250292018705,"num_words":23,"start":1300.605,"end":1312.26},{"sentences":[{"text":"Thank you so much.","start":1312.26,"end":1313.3,"sentiment":"positive","sentiment_score":0.822270929813385},{"text":"I will let you go to enjoy your afternoon.","start":1313.3,"end":1315.4,"sentiment":"positive","sentiment_score":0.6844963298903571},{"text":"I'll send this to you now.","start":1315.54,"end":1316.66,"sentiment":"neutral","sentiment_score":0.2820185298720996},{"text":"If you have any questions, you let me know.","start":1316.66,"end":1318.58,"sentiment":"neutral","sentiment_score":0.1595966178509924},{"text":"Okay?","start":1318.58,"end":1319.08,"sentiment":"neutral","sentiment_score":0.14535951614379883}],"sentiment":"positive","sentiment_score":0.43873761876903733,"num_words":29,"start":1312.26,"end":1319.08},{"sentences":[{"text":"No worries.","start":1321.2329,"end":1321.953,"sentiment":"positive","sentiment_score":0.41119077801704407},{"text":"Enjoy your afternoon.","start":1321.953,"end":1323.013,"sentiment":"positive","sentiment_score":0.4762409528096517},{"text":"Thanks, Glenn.","start":1323.073,"end":1323.893,"sentiment":"positive","sentiment_score":0.44338852167129517},{"text":"See you later.","start":1324.3529,"end":1325.073,"sentiment":"neutral","sentiment_score":0.2578791379928589},{"text":"Bye.","start":1325.073,"end":1325.573,"sentiment":"neutral","sentiment_score":0.1781734824180603}],"sentiment":"positive","sentiment_score":0.37179021401838824,"num_words":11,"start":1321.2329,"end":1325.573}]}}]},{"alternatives":[{"transcript":"Hello? Good day. How are you? Yeah. That's fine. No. I don't. It's yeah. I I I can get it on the phone. Yep. Yep. I just got through it. That's fine. Yep. Yep. Yeah. That's the one. Yep. No worries. Yep. Glenn Andrew Bynum. Twenty third. Excuse me. 10 Centurion, Traitamore, New South Wales 2714. Yeah. It's wet. It rained all day. So we need the rain. Yep. Yep. Thank god. Oh, no. It's crazy. Yep. Yep. Yes. Yep. Yeah. That's fine. Yeah. Yep. Yeah. Okay. We all thought I've already done that. Yep. Yep. Yep. Yep. Got it. Yeah. Yeah. I'll maybe mention that. Yep. Okay. Yep. Yep. Okay. I see it. Yep. Yeah. Yeah. Yep. With certain gun protection, is that something I'd probably should do sort of privately myself if I wanted to? Yeah. Yeah. Fair enough. Yep. Yep. Yep. Yeah. Yes. Yep. Yep. That sounds good. Yep. Yep. Oh, that's good. Yep. Yep. Yep. Yep. Yep. Sounds good. Alright. Yep. Okay. Yep. Tracking it. Yep. Alright. Yep. Yep. Alright. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Sound good. Okay. Right. Yeah. Yep. Yes, ma'am. Yep. Fair enough. Yep. Yes. Yep. Yeah. That's right. Got it. Yeah. Yep. Yeah. Yep. Yes. Yep. Right. Yep. It's good. Yep. Yep. Yeah. No. That's alright. Yeah. I'll read it. Yep. Yep. That's fine. Yep. Alright. Yep. Yep. Yep. Yeah. Alright. So what does that mean? It's tax time? Yep. Oh, that's good. Yep. Yeah. That's fine. Yep. Yep. Yeah. Alright. No worries. Alright. Yes. Yes. Yeah. All in. No worries. Sounds good. Yes. Yes. Yep. It's on Madison. Yep. Yep. That's fine. Yep. Yep. Yes. Sounds good. Yep. Yes. Yep. Absolutely. Yep. Thank you. Hold on. Yep. Yep. Okay. Yeah. Yep. Not yet. Yep. Yep. Yep. Alright. Yeah. That's fair enough. K. Yeah. Yeah. Right. Yeah. Yeah. That's fine. Yep. Yep. Yep. Sounds good. Okay. That's alright. Yep. Yep. Yep. Alright. Yep. Sounds good. No. That's all. No. No. That's fine. That's all. No. I think you've everything's fine. It's pretty self self explanatory. So I'll get them forms, and I'll send them out and send them on. Send it through. Lovely. Thanks, Dana. You too. Not a problem. Thanks very much. Okay. Yeah. You too. Thanks, Jonah. Bye. Bye. Bye.","confidence":0.9222065,"words":[{"word":"hello","start":0.56,"end":1.06,"confidence":0.95904917,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.018262963742017743},{"word":"good","start":6.08,"end":6.24,"confidence":0.9056617,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4143175184726715},{"word":"day","start":6.24,"end":6.48,"confidence":0.6961349,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.3520776033401489},{"word":"how","start":6.48,"end":6.64,"confidence":0.9582027,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.302262544631958},{"word":"are","start":6.64,"end":6.72,"confidence":0.9964324,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.25169625878334045},{"word":"you","start":6.72,"end":7.22,"confidence":0.995137,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.31083357334136963},{"word":"yeah","start":14.08,"end":14.32,"confidence":0.99241996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11554880440235138},{"word":"that's","start":14.32,"end":14.559999,"confidence":0.9971426,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1834629774093628},{"word":"fine","start":14.559999,"end":15.059999,"confidence":0.9909588,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1751160025596619},{"word":"no","start":19.025,"end":19.265,"confidence":0.75972605,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1335386484861374},{"word":"i","start":19.265,"end":19.345,"confidence":0.8169649,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22988849878311157},{"word":"don't","start":19.345,"end":19.585,"confidence":0.8922321,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.1661362648010254},{"word":"it's","start":19.585,"end":20.085,"confidence":0.9639794,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04165511578321457},{"word":"yeah","start":20.385,"end":20.705,"confidence":0.9778069,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.009370200335979462},{"word":"i","start":20.705,"end":20.865,"confidence":0.75602436,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002493835985660553},{"word":"i","start":20.865,"end":21.185,"confidence":0.59525263,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012885412201285362},{"word":"i","start":21.185,"end":21.345,"confidence":0.68141085,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018120484426617622},{"word":"can","start":21.345,"end":21.505,"confidence":0.81740874,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023815607652068135},{"word":"get","start":21.505,"end":21.664999,"confidence":0.81946504,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.012072598561644554},{"word":"it","start":21.664999,"end":21.825,"confidence":0.99629045,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.021035268902778625},{"word":"on","start":21.825,"end":21.904999,"confidence":0.99574715,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03538903594017029},{"word":"the","start":21.904999,"end":22.064999,"confidence":0.97270197,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02807880192995071},{"word":"phone","start":22.064999,"end":22.564999,"confidence":0.995075,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.0206804983317852},{"word":"yep","start":25.985,"end":26.485,"confidence":0.94201976,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02705729566514492},{"word":"yep","start":26.705,"end":27.205,"confidence":0.98442245,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010464414954185486},{"word":"i","start":28.384998,"end":28.465,"confidence":0.6949325,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07939296960830688},{"word":"just","start":28.465,"end":28.705,"confidence":0.5089692,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0734027549624443},{"word":"got","start":28.705,"end":28.945,"confidence":0.49543896,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14112083613872528},{"word":"through","start":28.945,"end":29.185,"confidence":0.9082676,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2597012519836426},{"word":"it","start":29.185,"end":29.265,"confidence":0.7972151,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.20281045138835907},{"word":"that's","start":29.265,"end":29.505,"confidence":0.99895656,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1765679121017456},{"word":"fine","start":29.505,"end":30.005,"confidence":0.9975833,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15149284899234772},{"word":"yep","start":47.565002,"end":48.065002,"confidence":0.9432432,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.011433763429522514},{"word":"yep","start":52.445,"end":52.945,"confidence":0.9398541,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02208210527896881},{"word":"yeah","start":61.140003,"end":61.300003,"confidence":0.7681718,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.032559581100940704},{"word":"that's","start":61.300003,"end":61.54,"confidence":0.948877,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04532838612794876},{"word":"the","start":61.54,"end":61.620003,"confidence":0.47397372,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03803845494985581},{"word":"one","start":61.620003,"end":61.86,"confidence":0.9886962,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.06549274176359177},{"word":"yep","start":61.86,"end":62.100002,"confidence":0.7815731,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06497803330421448},{"word":"no","start":62.100002,"end":62.260002,"confidence":0.9678027,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08854236453771591},{"word":"worries","start":62.260002,"end":62.760002,"confidence":0.9990239,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.10095567256212234},{"word":"yep","start":67.3,"end":67.8,"confidence":0.8691437,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.052476219832897186},{"word":"glenn","start":71.825,"end":72.145,"confidence":0.6263341,"punctuated_word":"Glenn","sentiment":"neutral","sentiment_score":0.012147990986704826},{"word":"andrew","start":72.145,"end":72.545,"confidence":0.87760854,"punctuated_word":"Andrew","sentiment":"neutral","sentiment_score":0.015041903592646122},{"word":"bynum","start":72.545,"end":72.945,"confidence":0.7335054,"punctuated_word":"Bynum.","sentiment":"neutral","sentiment_score":0.011522608809173107},{"word":"twenty","start":72.945,"end":73.34499,"confidence":0.9861669,"punctuated_word":"Twenty","sentiment":"neutral","sentiment_score":0.005066109821200371},{"word":"third","start":73.34499,"end":73.84499,"confidence":0.49156567,"punctuated_word":"third.","sentiment":"neutral","sentiment_score":0.002963298000395298},{"word":"excuse","start":75.505,"end":76.005,"confidence":0.8178623,"punctuated_word":"Excuse","sentiment":"neutral","sentiment_score":-0.009181483648717403},{"word":"me","start":76.784996,"end":76.945,"confidence":0.98924595,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.00002115173265337944},{"word":"10","start":76.945,"end":77.265,"confidence":0.912256,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.005133273079991341},{"word":"centurion","start":77.265,"end":77.765,"confidence":0.6535094,"punctuated_word":"Centurion,","sentiment":"neutral","sentiment_score":0.01073803659528494},{"word":"traitamore","start":78.064995,"end":78.564995,"confidence":0.5194434,"punctuated_word":"Traitamore,","sentiment":"neutral","sentiment_score":0.019124934449791908},{"word":"new","start":78.784996,"end":78.945,"confidence":0.9904552,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.02100883051753044},{"word":"south","start":78.945,"end":79.185,"confidence":0.99941194,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.025580115616321564},{"word":"wales","start":79.185,"end":79.505,"confidence":0.9997876,"punctuated_word":"Wales","sentiment":"neutral","sentiment_score":0.012739645317196846},{"word":"2714","start":79.505,"end":80.884995,"confidence":0.99276394,"punctuated_word":"2714.","sentiment":"neutral","sentiment_score":0.021480336785316467},{"word":"yeah","start":86.64,"end":86.96,"confidence":0.9921323,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025998972356319427},{"word":"it's","start":86.96,"end":87.46,"confidence":0.9714459,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11570030450820924},{"word":"wet","start":88.4,"end":88.72,"confidence":0.9569825,"punctuated_word":"wet.","sentiment":"neutral","sentiment_score":-0.15521284937858582},{"word":"it","start":88.72,"end":88.96,"confidence":0.99091935,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2024252861738205},{"word":"rained","start":88.96,"end":89.28,"confidence":0.9945657,"punctuated_word":"rained","sentiment":"neutral","sentiment_score":-0.1796267181634903},{"word":"all","start":89.28,"end":89.520004,"confidence":0.9994993,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17163147032260895},{"word":"day","start":89.520004,"end":90.020004,"confidence":0.77356005,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.09807072579860689},{"word":"so","start":91.200005,"end":91.700005,"confidence":0.80842686,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.050750426948070526},{"word":"we","start":91.76,"end":92.0,"confidence":0.98250026,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0658847838640213},{"word":"need","start":92.0,"end":92.16,"confidence":0.97429353,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0379629023373127},{"word":"the","start":92.16,"end":92.32,"confidence":0.85329133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04995012655854225},{"word":"rain","start":92.32,"end":92.82,"confidence":0.99036145,"punctuated_word":"rain.","sentiment":"neutral","sentiment_score":0.10132814943790436},{"word":"yep","start":94.64,"end":95.14,"confidence":0.97696465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22296802699565887},{"word":"yep","start":97.68,"end":98.08,"confidence":0.98731416,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22300800681114197},{"word":"thank","start":98.08,"end":98.4,"confidence":0.9424422,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6079764366149902},{"word":"god","start":98.4,"end":98.9,"confidence":0.82683027,"punctuated_word":"god.","sentiment":"positive","sentiment_score":0.5008761882781982},{"word":"oh","start":100.605,"end":101.105,"confidence":0.83083373,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04961024969816208},{"word":"no","start":102.045006,"end":102.545006,"confidence":0.98686147,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.09922359138727188},{"word":"it's","start":102.685005,"end":102.925,"confidence":0.9033355,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11707928031682968},{"word":"crazy","start":102.925,"end":103.425,"confidence":0.99892735,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.06317741423845291},{"word":"yep","start":104.445,"end":104.945,"confidence":0.97607136,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12419459223747252},{"word":"yep","start":126.05,"end":126.55,"confidence":0.9911814,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10601263493299484},{"word":"yes","start":137.77501,"end":138.27501,"confidence":0.70015234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05966557562351227},{"word":"yep","start":157.08499,"end":157.58499,"confidence":0.92039096,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02011849358677864},{"word":"yeah","start":158.845,"end":159.08499,"confidence":0.9972062,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04088589549064636},{"word":"that's","start":159.08499,"end":159.405,"confidence":0.99724114,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07618726044893265},{"word":"fine","start":159.405,"end":159.905,"confidence":0.99889255,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1075601577758789},{"word":"yeah","start":167.08499,"end":167.58499,"confidence":0.99644554,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11595959216356276},{"word":"yep","start":182.595,"end":183.095,"confidence":0.7646071,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.131179079413414},{"word":"yeah","start":196.05,"end":196.55,"confidence":0.7925993,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2100169062614441},{"word":"okay","start":197.81,"end":198.13,"confidence":0.7193363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0729418396949768},{"word":"we","start":198.13,"end":198.21,"confidence":0.94722056,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04222650080919266},{"word":"all","start":198.21,"end":198.37001,"confidence":0.67167115,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.005552619695663452},{"word":"thought","start":198.37001,"end":198.61,"confidence":0.93098307,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.01983322948217392},{"word":"i've","start":198.61,"end":198.69,"confidence":0.8732384,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.008273559622466564},{"word":"already","start":198.69,"end":199.01001,"confidence":0.9889563,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.08145500719547272},{"word":"done","start":199.01001,"end":199.25,"confidence":0.9994005,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.055075883865356445},{"word":"that","start":199.25,"end":199.75,"confidence":0.99882054,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11385629326105118},{"word":"yep","start":204.53,"end":205.03,"confidence":0.7472202,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1124901920557022},{"word":"yep","start":207.49,"end":207.99,"confidence":0.786179,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3571484088897705},{"word":"yep","start":219.465,"end":219.965,"confidence":0.9789045,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24964389204978943},{"word":"yep","start":223.945,"end":224.4,"confidence":0.94259346,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29072171449661255},{"word":"got","start":229.12,"end":229.36,"confidence":0.6606948,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.13388489186763763},{"word":"it","start":229.36,"end":229.86,"confidence":0.9640112,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09869902580976486},{"word":"yeah","start":250.095,"end":250.175,"confidence":0.84241205,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.17721164226531982},{"word":"yeah","start":250.175,"end":250.575,"confidence":0.85293925,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15775486826896667},{"word":"i'll","start":250.575,"end":250.735,"confidence":0.59205145,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.16513359546661377},{"word":"maybe","start":250.735,"end":251.13501,"confidence":0.7501037,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.1411481499671936},{"word":"mention","start":251.13501,"end":251.455,"confidence":0.57533866,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":-0.10327912867069244},{"word":"that","start":251.455,"end":251.955,"confidence":0.76824045,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1311144232749939},{"word":"yep","start":260.04,"end":260.54,"confidence":0.7809881,"punctuated_word":"Yep.","sentiment":"negative","sentiment_score":-0.33855924010276794},{"word":"okay","start":266.76,"end":267.26,"confidence":0.8419839,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.008895039558410645},{"word":"yep","start":270.615,"end":271.115,"confidence":0.9928871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1618066132068634},{"word":"yep","start":282.69498,"end":283.19498,"confidence":0.99482846,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4326889514923096},{"word":"okay","start":289.16,"end":289.28,"confidence":0.90214264,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.142450213432312},{"word":"i","start":289.28,"end":289.4,"confidence":0.29401928,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05601036176085472},{"word":"see","start":289.4,"end":289.56,"confidence":0.9506794,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04396192729473114},{"word":"it","start":289.56,"end":290.06,"confidence":0.9304688,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.030033031478524208},{"word":"yep","start":298.28,"end":298.78,"confidence":0.9774753,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2666190564632416},{"word":"yeah","start":302.01498,"end":302.51498,"confidence":0.62919366,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.22070248425006864},{"word":"yeah","start":312.1,"end":312.6,"confidence":0.9891862,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18200436234474185},{"word":"yep","start":315.46002,"end":315.96002,"confidence":0.7045746,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31403377652168274},{"word":"with","start":316.18002,"end":316.5,"confidence":0.43943176,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.03548157215118408},{"word":"certain","start":316.5,"end":316.82,"confidence":0.58556515,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.02266118675470352},{"word":"gun","start":316.82,"end":317.06,"confidence":0.8043545,"punctuated_word":"gun","sentiment":"neutral","sentiment_score":-0.07870239019393921},{"word":"protection","start":317.06,"end":317.46002,"confidence":0.9726401,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.0729953795671463},{"word":"is","start":317.46002,"end":317.62003,"confidence":0.9975018,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0388631597161293},{"word":"that","start":317.62003,"end":317.78,"confidence":0.8802784,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04284431040287018},{"word":"something","start":317.78,"end":318.1,"confidence":0.99148154,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04052460938692093},{"word":"i'd","start":318.1,"end":318.34003,"confidence":0.71988577,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.02099667116999626},{"word":"probably","start":318.34003,"end":318.66,"confidence":0.84937143,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02136716246604919},{"word":"should","start":318.66,"end":318.82,"confidence":0.9164952,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.05740636587142944},{"word":"do","start":318.82,"end":319.06,"confidence":0.9762048,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06464232504367828},{"word":"sort","start":319.06,"end":319.30002,"confidence":0.88427114,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04134667664766312},{"word":"of","start":319.30002,"end":319.62003,"confidence":0.7666859,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002161778509616852},{"word":"privately","start":319.62003,"end":320.1,"confidence":0.97714955,"punctuated_word":"privately","sentiment":"neutral","sentiment_score":0.01197836548089981},{"word":"myself","start":320.1,"end":320.6,"confidence":0.79497325,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.008465871214866638},{"word":"if","start":320.66,"end":320.98,"confidence":0.87752974,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01678292825818062},{"word":"i","start":320.98,"end":321.14,"confidence":0.9952785,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030770767480134964},{"word":"wanted","start":321.14,"end":321.46002,"confidence":0.99170387,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.011732969433069227},{"word":"to","start":321.46002,"end":321.96002,"confidence":0.9769565,"punctuated_word":"to?","sentiment":"neutral","sentiment_score":-0.023942705243825912},{"word":"yeah","start":323.54,"end":324.04,"confidence":0.99764186,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09493307769298552},{"word":"yeah","start":333.83502,"end":334.155,"confidence":0.92555296,"punctuated_word":"Yeah.","sentiment":"negative","sentiment_score":-0.3518536686897278},{"word":"fair","start":334.155,"end":334.655,"confidence":0.52930915,"punctuated_word":"Fair","sentiment":"negative","sentiment_score":-0.5278093814849854},{"word":"enough","start":336.795,"end":337.295,"confidence":0.99950707,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.14972150325775146},{"word":"yep","start":337.67502,"end":338.17502,"confidence":0.94830763,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015889031812548637},{"word":"yep","start":351.90997,"end":352.365,"confidence":0.978487,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11372002214193344},{"word":"yep","start":362.60498,"end":363.10498,"confidence":0.9692565,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17383790016174316},{"word":"yeah","start":370.69,"end":371.19,"confidence":0.7895451,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2959480285644531},{"word":"yes","start":382.075,"end":382.575,"confidence":0.8409228,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02025839127600193},{"word":"yep","start":400.02,"end":400.52,"confidence":0.7551036,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11803102493286131},{"word":"yep","start":404.58,"end":404.74,"confidence":0.6507942,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09018848836421968},{"word":"that","start":404.74,"end":404.97998,"confidence":0.20873506,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1720184087753296},{"word":"sounds","start":404.97998,"end":405.37997,"confidence":0.46268314,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.22797581553459167},{"word":"good","start":405.37997,"end":405.87997,"confidence":0.9783188,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.38485804200172424},{"word":"yep","start":420.115,"end":420.615,"confidence":0.9845004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06495112180709839},{"word":"yep","start":420.915,"end":421.415,"confidence":0.9410465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05718100070953369},{"word":"oh","start":431.81003,"end":432.13,"confidence":0.5665333,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.16199980676174164},{"word":"that's","start":432.13,"end":432.45,"confidence":0.95541674,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1543823778629303},{"word":"good","start":432.45,"end":432.93002,"confidence":0.9971769,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.333344966173172},{"word":"yep","start":432.93002,"end":433.43002,"confidence":0.9222065,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21627867221832275},{"word":"yep","start":443.155,"end":443.655,"confidence":0.94149756,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4969762563705444},{"word":"yep","start":451.12,"end":451.62,"confidence":0.9288237,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08139901608228683},{"word":"yep","start":458.4,"end":458.9,"confidence":0.8953047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0766918733716011},{"word":"yep","start":463.735,"end":464.235,"confidence":0.9420167,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07311588525772095},{"word":"sounds","start":464.375,"end":464.875,"confidence":0.24038427,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.3341097831726074},{"word":"good","start":464.935,"end":465.435,"confidence":0.9964025,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21786808967590332},{"word":"alright","start":467.735,"end":468.235,"confidence":0.9841665,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0673535019159317},{"word":"yep","start":483.75,"end":484.25,"confidence":0.94536924,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07650503516197205},{"word":"okay","start":495.335,"end":495.735,"confidence":0.849669,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3393353223800659},{"word":"yep","start":495.735,"end":496.235,"confidence":0.8977897,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.46530574560165405},{"word":"tracking","start":498.935,"end":499.335,"confidence":0.73355025,"punctuated_word":"Tracking","sentiment":"neutral","sentiment_score":0.2276410162448883},{"word":"it","start":499.335,"end":499.57498,"confidence":0.8760995,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.17963281273841858},{"word":"yep","start":499.57498,"end":500.07498,"confidence":0.976585,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09792616218328476},{"word":"alright","start":513.44,"end":513.76,"confidence":0.6715467,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1734076589345932},{"word":"yep","start":513.76,"end":514.26,"confidence":0.9498502,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12023737281560898},{"word":"yep","start":517.595,"end":518.095,"confidence":0.98580194,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05957611650228501},{"word":"alright","start":518.71497,"end":518.96497,"confidence":0.8167981,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.18118464946746823},{"word":"yep","start":518.96497,"end":519.46497,"confidence":0.8923948,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29359567165374756},{"word":"yeah","start":530.82,"end":531.32,"confidence":0.8419396,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13582906126976013},{"word":"yeah","start":539.7,"end":540.02,"confidence":0.7948079,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004755821079015732},{"word":"yeah","start":540.02,"end":540.52,"confidence":0.9211868,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08134941756725311},{"word":"yeah","start":553.745,"end":554.245,"confidence":0.91513044,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0031374599784612656},{"word":"yep","start":557.38,"end":557.88,"confidence":0.9346497,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.262066125869751},{"word":"sound","start":559.62,"end":559.94,"confidence":0.85860187,"punctuated_word":"Sound","sentiment":"positive","sentiment_score":0.4476761817932129},{"word":"good","start":559.94,"end":560.44,"confidence":0.9675472,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4030947685241699},{"word":"okay","start":575.09503,"end":575.59503,"confidence":0.98704696,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.23158028721809387},{"word":"right","start":595.26996,"end":595.51,"confidence":0.66941035,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.035935766994953156},{"word":"yeah","start":595.51,"end":595.815,"confidence":0.80630517,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1558625102043152},{"word":"yep","start":598.535,"end":599.035,"confidence":0.80663943,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0510745607316494},{"word":"yes","start":613.23004,"end":613.63,"confidence":0.5289029,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.023618832230567932},{"word":"ma'am","start":613.63,"end":614.13,"confidence":0.87877285,"punctuated_word":"ma'am.","sentiment":"neutral","sentiment_score":-0.0008197426795959473},{"word":"yep","start":627.695,"end":628.015,"confidence":0.9320953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03800738602876663},{"word":"fair","start":628.015,"end":628.255,"confidence":0.90827763,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":-0.001345522701740265},{"word":"enough","start":628.255,"end":628.755,"confidence":0.99933225,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.042725637555122375},{"word":"yep","start":636.335,"end":636.835,"confidence":0.9929701,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30228090286254883},{"word":"yes","start":640.12,"end":640.60004,"confidence":0.64845985,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1669681817293167},{"word":"yep","start":640.60004,"end":641.10004,"confidence":0.7933901,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22635257244110107},{"word":"yeah","start":657.46497,"end":657.70496,"confidence":0.9275507,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019732356071472168},{"word":"that's","start":657.70496,"end":658.105,"confidence":0.8989684,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1180928200483322},{"word":"right","start":658.105,"end":658.605,"confidence":0.9954231,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1810263693332672},{"word":"got","start":668.53,"end":668.77,"confidence":0.37897202,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.20792794227600095},{"word":"it","start":668.77,"end":668.85,"confidence":0.79335403,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1755613386631012},{"word":"yeah","start":668.85,"end":669.09,"confidence":0.59477097,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18132004141807556},{"word":"yep","start":669.09,"end":669.59,"confidence":0.8968717,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1553703248500824},{"word":"yeah","start":681.975,"end":682.45496,"confidence":0.9708853,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1045122891664505},{"word":"yep","start":682.45496,"end":682.95496,"confidence":0.86493015,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03133826330304146},{"word":"yes","start":694.25,"end":694.75,"confidence":0.79152244,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.116444431245327},{"word":"yep","start":744.41504,"end":744.91504,"confidence":0.708851,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14896897971630096},{"word":"right","start":744.97504,"end":745.47504,"confidence":0.608898,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.22237494587898257},{"word":"yep","start":747.455,"end":747.955,"confidence":0.7897881,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18285757303237915},{"word":"it's","start":752.16003,"end":752.4,"confidence":0.8145462,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5726093053817749},{"word":"good","start":752.4,"end":752.9,"confidence":0.9982797,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4984228014945984},{"word":"yep","start":785.54,"end":786.04,"confidence":0.96016765,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.314569354057312},{"word":"yep","start":816.10504,"end":816.60504,"confidence":0.98089725,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16352055966854095},{"word":"yeah","start":828.64,"end":829.14,"confidence":0.94518685,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016399793326854706},{"word":"no","start":830.64,"end":830.96,"confidence":0.6938339,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0047707995399832726},{"word":"that's","start":830.96,"end":831.12,"confidence":0.92693305,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0012532100081443789},{"word":"alright","start":831.12,"end":831.62,"confidence":0.93233114,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.013548078946769238},{"word":"yeah","start":833.12,"end":833.44,"confidence":0.9914191,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011864148080348969},{"word":"i'll","start":833.44,"end":833.68,"confidence":0.9811679,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01126781851053238},{"word":"read","start":833.68,"end":833.84,"confidence":0.72741634,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.006062041036784649},{"word":"it","start":833.84,"end":834.0,"confidence":0.99333954,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.010991571471095083},{"word":"yep","start":834.0,"end":834.5,"confidence":0.98860556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10460814833641052},{"word":"yep","start":843.61505,"end":843.85504,"confidence":0.838199,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09733983129262924},{"word":"that's","start":843.85504,"end":844.255,"confidence":0.9588027,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.234291672706604},{"word":"fine","start":844.255,"end":844.755,"confidence":0.99728,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.18276366591453552},{"word":"yep","start":847.775,"end":848.275,"confidence":0.9232683,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11037012189626694},{"word":"alright","start":849.135,"end":849.635,"confidence":0.90905404,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10209846496582033},{"word":"yep","start":859.83997,"end":860.33997,"confidence":0.98411554,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03836880624294281},{"word":"yep","start":863.44,"end":863.94,"confidence":0.8523556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.083573117852211},{"word":"yep","start":912.82,"end":913.32,"confidence":0.91391206,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.41232413053512573},{"word":"yeah","start":928.615,"end":929.115,"confidence":0.8260848,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21063232421875},{"word":"alright","start":929.575,"end":930.055,"confidence":0.88062346,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.17568665742874146},{"word":"so","start":930.055,"end":930.215,"confidence":0.9936166,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06076016649603844},{"word":"what","start":930.215,"end":930.375,"confidence":0.9972172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06454236805438995},{"word":"does","start":930.375,"end":930.53503,"confidence":0.84909606,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.01624961942434311},{"word":"that","start":930.53503,"end":930.695,"confidence":0.9916471,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07327880710363388},{"word":"mean","start":930.695,"end":930.85504,"confidence":0.86850196,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.036780621856451035},{"word":"it's","start":930.85504,"end":931.09503,"confidence":0.6719971,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04639504477381706},{"word":"tax","start":931.09503,"end":931.41504,"confidence":0.9226397,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.18727801740169525},{"word":"time","start":931.41504,"end":931.91504,"confidence":0.7442304,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.13868001103401184},{"word":"yep","start":960.43,"end":960.93,"confidence":0.7631774,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16718485951423645},{"word":"oh","start":963.39,"end":963.63,"confidence":0.88494205,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.25200575590133667},{"word":"that's","start":963.63,"end":963.87,"confidence":0.9318069,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.45568737387657166},{"word":"good","start":963.87,"end":964.11005,"confidence":0.99375606,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4872427582740784},{"word":"yep","start":964.11005,"end":964.61005,"confidence":0.9306996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26281750202178955},{"word":"yeah","start":966.27,"end":966.51,"confidence":0.904706,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03874370455741882},{"word":"that's","start":966.51,"end":966.75,"confidence":0.86482775,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20938649773597717},{"word":"fine","start":966.75,"end":967.25,"confidence":0.980543,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.21286368370056152},{"word":"yep","start":969.95,"end":970.45,"confidence":0.9948788,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26168352365493774},{"word":"yep","start":980.20496,"end":980.70496,"confidence":0.90853536,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2763991355895996},{"word":"yeah","start":981.725,"end":982.225,"confidence":0.9394878,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1579645723104477},{"word":"alright","start":982.76495,"end":983.26495,"confidence":0.68944675,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3439294993877411},{"word":"no","start":984.42,"end":984.66,"confidence":0.5991045,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2583058774471283},{"word":"worries","start":984.66,"end":985.14,"confidence":0.99806154,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.367483913898468},{"word":"alright","start":985.14,"end":985.64,"confidence":0.9985687,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.05079963803291321},{"word":"yes","start":1005.845,"end":1006.345,"confidence":0.8015168,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3306528329849243},{"word":"yes","start":1011.605,"end":1012.105,"confidence":0.9176428,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15648740530014038},{"word":"yeah","start":1016.66,"end":1017.06,"confidence":0.8089863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08510223031044006},{"word":"all","start":1017.06,"end":1017.3,"confidence":0.40280318,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.1219404563307762},{"word":"in","start":1017.3,"end":1017.54,"confidence":0.89319766,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.12939253449440002},{"word":"no","start":1017.54,"end":1017.7,"confidence":0.84526324,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.22526365518569944},{"word":"worries","start":1017.7,"end":1018.2,"confidence":0.9977617,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.33274322748184204},{"word":"sounds","start":1019.46,"end":1019.78,"confidence":0.80164915,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6698528528213501},{"word":"good","start":1019.78,"end":1020.28,"confidence":0.9976497,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6075097322463989},{"word":"yes","start":1027.835,"end":1028.335,"confidence":0.7479099,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1649743914604187},{"word":"yes","start":1051.23,"end":1051.73,"confidence":0.77351916,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13984191417694092},{"word":"yep","start":1052.265,"end":1052.765,"confidence":0.9015994,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28501781821250916},{"word":"it's","start":1065.545,"end":1065.705,"confidence":0.67222685,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03508911281824112},{"word":"on","start":1065.705,"end":1065.9451,"confidence":0.46360865,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03417080640792847},{"word":"madison","start":1065.9451,"end":1066.4451,"confidence":0.32175234,"punctuated_word":"Madison.","sentiment":"neutral","sentiment_score":0.01996573247015476},{"word":"yep","start":1077.59,"end":1078.09,"confidence":0.97279596,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16326527297496796},{"word":"yep","start":1082.215,"end":1082.715,"confidence":0.90980375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16761188209056854},{"word":"that's","start":1088.2949,"end":1088.695,"confidence":0.7151488,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17458435893058777},{"word":"fine","start":1088.695,"end":1089.0149,"confidence":0.9784279,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.29405874013900757},{"word":"yep","start":1089.0149,"end":1089.5149,"confidence":0.9420241,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08348395675420761},{"word":"yep","start":1091.6549,"end":1091.815,"confidence":0.7525571,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2583298087120056},{"word":"yes","start":1091.815,"end":1092.2949,"confidence":0.63092405,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4276948571205139},{"word":"sounds","start":1092.2949,"end":1092.7749,"confidence":0.71640813,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7534231543540955},{"word":"good","start":1092.7749,"end":1093.2749,"confidence":0.9971874,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7663054466247559},{"word":"yep","start":1108.695,"end":1109.195,"confidence":0.9920667,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1501638889312744},{"word":"yes","start":1117.095,"end":1117.595,"confidence":0.95421416,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.04255262017250061},{"word":"yep","start":1118.775,"end":1119.275,"confidence":0.9986141,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03623548522591591},{"word":"absolutely","start":1127.77,"end":1128.27,"confidence":0.9855927,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.011684192344546318},{"word":"yep","start":1128.5701,"end":1129.0701,"confidence":0.94205785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007276412099599838},{"word":"thank","start":1130.09,"end":1130.33,"confidence":0.18312846,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5609042048454285},{"word":"you","start":1130.33,"end":1130.83,"confidence":0.7298646,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.449030727148056},{"word":"hold","start":1133.13,"end":1133.37,"confidence":0.6201766,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":0.1863422244787216},{"word":"on","start":1133.37,"end":1133.685,"confidence":0.9431857,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.14622589945793152},{"word":"yep","start":1144.4851,"end":1144.9851,"confidence":0.8632419,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27380746603012085},{"word":"yep","start":1149.0901,"end":1149.5901,"confidence":0.9436125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15939277410507202},{"word":"okay","start":1157.5701,"end":1158.0701,"confidence":0.972026,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03476416692137718},{"word":"yeah","start":1164.345,"end":1164.845,"confidence":0.8996179,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0307915061712265},{"word":"yep","start":1175.1599,"end":1175.6599,"confidence":0.8488054,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056304048746824265},{"word":"not","start":1175.72,"end":1176.22,"confidence":0.3197839,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.010841183364391329},{"word":"yet","start":1179.48,"end":1179.98,"confidence":0.77573025,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.009257607161998749},{"word":"yep","start":1191.765,"end":1192.265,"confidence":0.8044404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06245934218168259},{"word":"yep","start":1201.285,"end":1201.785,"confidence":0.9610015,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16457799077033997},{"word":"yep","start":1211.34,"end":1211.84,"confidence":0.9388354,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3185018002986908},{"word":"alright","start":1214.86,"end":1215.36,"confidence":0.6690154,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.11938755214214324},{"word":"yeah","start":1216.065,"end":1216.565,"confidence":0.854936,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05650020390748978},{"word":"that's","start":1217.9049,"end":1218.145,"confidence":0.7689959,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11256025731563568},{"word":"fair","start":1218.145,"end":1218.3049,"confidence":0.8563685,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.18291093409061432},{"word":"enough","start":1218.3049,"end":1218.8049,"confidence":0.99827766,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.2161133587360382},{"word":"k","start":1218.945,"end":1219.445,"confidence":0.7335644,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.1504260003566742},{"word":"yeah","start":1223.265,"end":1223.765,"confidence":0.8945502,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09009480476379396},{"word":"yeah","start":1231.64,"end":1232.14,"confidence":0.962326,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02478152886033058},{"word":"right","start":1245.88,"end":1246.1201,"confidence":0.88117355,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.0589139461517334},{"word":"yeah","start":1246.1201,"end":1246.6201,"confidence":0.85958606,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07257858663797379},{"word":"yeah","start":1248.0449,"end":1248.2849,"confidence":0.92156374,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14948242902755737},{"word":"that's","start":1248.2849,"end":1248.525,"confidence":0.9116285,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.23566624522209167},{"word":"fine","start":1248.525,"end":1248.845,"confidence":0.9977262,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.290833055973053},{"word":"yep","start":1248.845,"end":1249.345,"confidence":0.8233111,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26117029786109924},{"word":"yep","start":1252.365,"end":1252.865,"confidence":0.96411943,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23421719670295715},{"word":"yep","start":1259.965,"end":1260.365,"confidence":0.8490023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22522187232971191},{"word":"sounds","start":1260.365,"end":1260.765,"confidence":0.97642946,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5876432061195374},{"word":"good","start":1260.765,"end":1261.23,"confidence":0.998315,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5275638103485107},{"word":"okay","start":1262.6699,"end":1263.1699,"confidence":0.65274656,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14904776215553284},{"word":"that's","start":1264.91,"end":1265.15,"confidence":0.9858161,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.024631589651107788},{"word":"alright","start":1265.15,"end":1265.65,"confidence":0.9807349,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.06530886888504028},{"word":"yep","start":1269.87,"end":1270.37,"confidence":0.8874793,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12113231420516968},{"word":"yep","start":1273.3099,"end":1273.8099,"confidence":0.984929,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1986355036497116},{"word":"yep","start":1281.3351,"end":1281.8351,"confidence":0.9905757,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2209783047437668},{"word":"alright","start":1286.89,"end":1287.39,"confidence":0.9210807,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10638194531202316},{"word":"yep","start":1299.21,"end":1299.37,"confidence":0.7931473,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.39234039187431335},{"word":"sounds","start":1299.37,"end":1299.69,"confidence":0.9381178,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6406901478767395},{"word":"good","start":1299.69,"end":1300.19,"confidence":0.99523926,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5824769735336304},{"word":"no","start":1302.005,"end":1302.1649,"confidence":0.8663644,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07959296554327011},{"word":"that's","start":1302.1649,"end":1302.4049,"confidence":0.99115086,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05047842860221863},{"word":"all","start":1302.4049,"end":1302.725,"confidence":0.82416683,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.007240401580929756},{"word":"no","start":1302.725,"end":1303.205,"confidence":0.95091766,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08123598247766495},{"word":"no","start":1303.205,"end":1303.445,"confidence":0.9743316,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07086517661809921},{"word":"that's","start":1303.445,"end":1303.6849,"confidence":0.99017936,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.000775601714849472},{"word":"fine","start":1303.6849,"end":1303.9249,"confidence":0.9919231,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0020294375717639923},{"word":"that's","start":1303.9249,"end":1304.1649,"confidence":0.99664605,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04658875986933708},{"word":"all","start":1304.1649,"end":1304.6649,"confidence":0.98232424,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.013265334069728851},{"word":"no","start":1305.205,"end":1305.365,"confidence":0.9260746,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05412302538752556},{"word":"i","start":1305.365,"end":1305.445,"confidence":0.31800142,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12474638223648073},{"word":"think","start":1305.445,"end":1305.845,"confidence":0.9612319,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1650458425283432},{"word":"you've","start":1305.845,"end":1305.925,"confidence":0.555338,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.18736368417739868},{"word":"everything's","start":1306.005,"end":1306.485,"confidence":0.8353504,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.2688910961151123},{"word":"fine","start":1306.485,"end":1306.6449,"confidence":0.8923807,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2127123475074768},{"word":"it's","start":1306.6449,"end":1306.8049,"confidence":0.96794343,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2962877154350281},{"word":"pretty","start":1306.8049,"end":1307.0449,"confidence":0.9950229,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.32049262523651123},{"word":"self","start":1307.0449,"end":1307.365,"confidence":0.9948619,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.17204409837722778},{"word":"self","start":1307.365,"end":1307.6849,"confidence":0.98837006,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.1649336218833923},{"word":"explanatory","start":1307.6849,"end":1308.1849,"confidence":0.749725,"punctuated_word":"explanatory.","sentiment":"neutral","sentiment_score":0.1608535647392273},{"word":"so","start":1308.245,"end":1308.485,"confidence":0.99706084,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1728675663471222},{"word":"i'll","start":1308.485,"end":1308.565,"confidence":0.86868834,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.35654592514038086},{"word":"get","start":1308.565,"end":1308.725,"confidence":0.94132984,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4354415237903595},{"word":"them","start":1308.725,"end":1308.965,"confidence":0.9033479,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2156228274106979},{"word":"forms","start":1308.965,"end":1309.205,"confidence":0.4787513,"punctuated_word":"forms,","sentiment":"positive","sentiment_score":0.33536338806152344},{"word":"and","start":1309.205,"end":1309.365,"confidence":0.601712,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.432726114988327},{"word":"i'll","start":1309.365,"end":1309.5249,"confidence":0.8566079,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4705655574798584},{"word":"send","start":1309.5249,"end":1309.765,"confidence":0.63190967,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.5747061967849731},{"word":"them","start":1309.765,"end":1309.9249,"confidence":0.96214396,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.3954780995845794},{"word":"out","start":1309.9249,"end":1310.005,"confidence":0.8945036,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5508389472961426},{"word":"and","start":1310.005,"end":1310.1649,"confidence":0.9058873,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40231430530548096},{"word":"send","start":1310.1649,"end":1310.4049,"confidence":0.9730747,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.3127601444721222},{"word":"them","start":1310.4049,"end":1310.485,"confidence":0.9692458,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2881326675415039},{"word":"on","start":1310.485,"end":1310.725,"confidence":0.6346663,"punctuated_word":"on.","sentiment":"positive","sentiment_score":0.3487876355648041},{"word":"send","start":1310.725,"end":1310.965,"confidence":0.37937257,"punctuated_word":"Send","sentiment":"neutral","sentiment_score":0.297444224357605},{"word":"it","start":1310.965,"end":1311.0449,"confidence":0.747278,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33703500032424927},{"word":"through","start":1311.0449,"end":1311.5449,"confidence":0.9872031,"punctuated_word":"through.","sentiment":"positive","sentiment_score":0.3691250383853912},{"word":"lovely","start":1312.725,"end":1313.225,"confidence":0.899963,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.8436108827590942},{"word":"thanks","start":1313.5249,"end":1313.9249,"confidence":0.9668554,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6898864507675171},{"word":"dana","start":1313.9249,"end":1314.4249,"confidence":0.58506,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.5753507614135742},{"word":"you","start":1315.605,"end":1315.9249,"confidence":0.96518075,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12481547892093658},{"word":"too","start":1315.9249,"end":1316.28,"confidence":0.99355215,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.1833186447620392},{"word":"not","start":1319.24,"end":1319.48,"confidence":0.8243486,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4198964834213257},{"word":"a","start":1319.48,"end":1319.56,"confidence":0.9967623,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3664665818214417},{"word":"problem","start":1319.56,"end":1319.88,"confidence":0.99959683,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.434414803981781},{"word":"thanks","start":1319.88,"end":1320.12,"confidence":0.9987148,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.7765247821807861},{"word":"very","start":1320.12,"end":1320.36,"confidence":0.99680436,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.814054012298584},{"word":"much","start":1320.36,"end":1320.86,"confidence":0.9998229,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7405673265457153},{"word":"okay","start":1322.12,"end":1322.62,"confidence":0.9563555,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3530876636505127},{"word":"yeah","start":1322.76,"end":1323.0801,"confidence":0.9814116,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.30560439825057983},{"word":"you","start":1323.0801,"end":1323.24,"confidence":0.99942315,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4780864417552948},{"word":"too","start":1323.24,"end":1323.48,"confidence":0.9980876,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.49212974309921265},{"word":"thanks","start":1323.48,"end":1323.72,"confidence":0.99805593,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6388718485832214},{"word":"jonah","start":1323.72,"end":1324.12,"confidence":0.8979165,"punctuated_word":"Jonah.","sentiment":"positive","sentiment_score":0.5693531632423401},{"word":"bye","start":1324.12,"end":1324.4401,"confidence":0.9526497,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.4032936990261078},{"word":"bye","start":1324.4401,"end":1324.9401,"confidence":0.9142616,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.23224765062332153},{"word":"bye","start":1325.24,"end":1325.74,"confidence":0.8229002,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10305521637201308}],"paragraphs":{"transcript":"\nHello? Good day. How are you? Yeah. That's fine.\n\nNo. I don't. It's yeah. I I I can get it on the phone. Yep.\n\nYep. I just got through it. That's fine. Yep. Yep.\n\nYeah. That's the one. Yep. No worries. Yep.\n\nGlenn Andrew Bynum. Twenty third. Excuse me. 10 Centurion, Traitamore, New South Wales 2714. Yeah.\n\nIt's wet. It rained all day. So we need the rain. Yep. Yep.\n\nThank god. Oh, no. It's crazy. Yep. Yep.\n\nYes. Yep. Yeah. That's fine. Yeah.\n\nYep. Yeah. Okay. We all thought I've already done that. Yep.\n\nYep. Yep. Yep. Got it. Yeah.\n\nYeah. I'll maybe mention that. Yep. Okay. Yep.\n\nYep. Okay. I see it. Yep. Yeah.\n\nYeah. Yep. With certain gun protection, is that something I'd probably should do sort of privately myself if I wanted to? Yeah. Yeah.\n\nFair enough. Yep. Yep. Yep. Yeah.\n\nYes. Yep. Yep. That sounds good. Yep.\n\nYep. Oh, that's good. Yep. Yep. Yep.\n\nYep. Yep. Sounds good. Alright. Yep.\n\nOkay. Yep. Tracking it. Yep. Alright.\n\nYep. Yep. Alright. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yep. Sound good.\n\nOkay. Right. Yeah. Yep. Yes, ma'am.\n\nYep. Fair enough. Yep. Yes. Yep.\n\nYeah. That's right. Got it. Yeah. Yep.\n\nYeah. Yep. Yes. Yep. Right.\n\nYep. It's good. Yep. Yep. Yeah.\n\nNo. That's alright. Yeah. I'll read it. Yep.\n\nYep. That's fine. Yep. Alright. Yep.\n\nYep. Yep. Yeah. Alright. So what does that mean?\n\nIt's tax time? Yep. Oh, that's good. Yep. Yeah.\n\nThat's fine. Yep. Yep. Yeah. Alright.\n\nNo worries. Alright. Yes. Yes. Yeah.\n\nAll in. No worries. Sounds good. Yes. Yes.\n\nYep. It's on Madison. Yep. Yep. That's fine.\n\nYep. Yep. Yes. Sounds good. Yep.\n\nYes. Yep. Absolutely. Yep. Thank you.\n\nHold on. Yep. Yep. Okay. Yeah.\n\nYep. Not yet. Yep. Yep. Yep.\n\nAlright. Yeah. That's fair enough. K. Yeah.\n\nYeah. Right. Yeah. Yeah. That's fine.\n\nYep. Yep. Yep. Sounds good. Okay.\n\nThat's alright. Yep. Yep. Yep. Alright.\n\nYep. Sounds good. No. That's all. No.\n\nNo. That's fine. That's all. No. I think you've everything's fine.\n\nIt's pretty self self explanatory. So I'll get them forms, and I'll send them out and send them on. Send it through. Lovely. Thanks, Dana.\n\nYou too. Not a problem. Thanks very much. Okay. Yeah.\n\nYou too. Thanks, Jonah. Bye. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.018262963742017743},{"text":"Good day.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.3831975609064102},{"text":"How are you?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.28826412558555603},{"text":"Yeah.","start":14.08,"end":14.32,"sentiment":"neutral","sentiment_score":0.11554880440235138},{"text":"That's fine.","start":14.32,"end":15.059999,"sentiment":"neutral","sentiment_score":0.17928948998451233}],"sentiment":"neutral","sentiment_score":0.23595313852032027,"num_words":9,"start":0.56,"end":15.059999},{"sentences":[{"text":"No.","start":19.025,"end":19.265,"sentiment":"neutral","sentiment_score":-0.1335386484861374},{"text":"I don't.","start":19.265,"end":19.585,"sentiment":"neutral","sentiment_score":-0.19801238179206848},{"text":"It's yeah.","start":19.585,"end":20.705,"sentiment":"neutral","sentiment_score":-0.025512658059597015},{"text":"I I I can get it on the phone.","start":20.705,"end":22.564999,"sentiment":"neutral","sentiment_score":0.01939683821466234},{"text":"Yep.","start":25.985,"end":26.485,"sentiment":"neutral","sentiment_score":0.02705729566514492}],"sentiment":"neutral","sentiment_score":-0.02526399257282416,"num_words":15,"start":19.025,"end":26.485},{"sentences":[{"text":"Yep.","start":26.705,"end":27.205,"sentiment":"neutral","sentiment_score":0.010464414954185486},{"text":"I just got through it.","start":28.384998,"end":29.265,"sentiment":"neutral","sentiment_score":0.15128565281629563},{"text":"That's fine.","start":29.265,"end":30.005,"sentiment":"neutral","sentiment_score":0.16403038054704666},{"text":"Yep.","start":47.565002,"end":48.065002,"sentiment":"neutral","sentiment_score":-0.011433763429522514},{"text":"Yep.","start":52.445,"end":52.945,"sentiment":"neutral","sentiment_score":0.02208210527896881}],"sentiment":"neutral","sentiment_score":0.11056017819792033,"num_words":10,"start":26.705,"end":52.945},{"sentences":[{"text":"Yeah.","start":61.140003,"end":61.300003,"sentiment":"neutral","sentiment_score":0.032559581100940704},{"text":"That's the one.","start":61.300003,"end":61.86,"sentiment":"neutral","sentiment_score":0.04961986094713211},{"text":"Yep.","start":61.86,"end":62.100002,"sentiment":"neutral","sentiment_score":0.06497803330421448},{"text":"No worries.","start":62.100002,"end":62.760002,"sentiment":"neutral","sentiment_score":0.09474901854991913},{"text":"Yep.","start":67.3,"end":67.8,"sentiment":"neutral","sentiment_score":0.052476219832897186}],"sentiment":"neutral","sentiment_score":0.06104643177241087,"num_words":8,"start":61.140003,"end":67.8},{"sentences":[{"text":"Glenn Andrew Bynum.","start":71.825,"end":72.945,"sentiment":"neutral","sentiment_score":0.012904167796174685},{"text":"Twenty third.","start":72.945,"end":73.84499,"sentiment":"neutral","sentiment_score":0.004014703910797834},{"text":"Excuse me.","start":75.505,"end":76.945,"sentiment":"neutral","sentiment_score":-0.004580165958032012},{"text":"10 Centurion, Traitamore, New South Wales 2714.","start":76.945,"end":80.884995,"sentiment":"neutral","sentiment_score":0.016543596051633358},{"text":"Yeah.","start":86.64,"end":86.96,"sentiment":"neutral","sentiment_score":-0.025998972356319427}],"sentiment":"neutral","sentiment_score":0.008492518619944652,"num_words":15,"start":71.825,"end":86.96},{"sentences":[{"text":"It's wet.","start":86.96,"end":88.72,"sentiment":"neutral","sentiment_score":-0.13545657694339752},{"text":"It rained all day.","start":88.72,"end":90.020004,"sentiment":"neutral","sentiment_score":-0.16293855011463165},{"text":"So we need the rain.","start":91.200005,"end":92.82,"sentiment":"neutral","sentiment_score":0.061175277829170226},{"text":"Yep.","start":94.64,"end":95.14,"sentiment":"neutral","sentiment_score":0.22296802699565887},{"text":"Yep.","start":97.68,"end":98.08,"sentiment":"neutral","sentiment_score":0.22300800681114197}],"sentiment":"neutral","sentiment_score":-0.013139610107128438,"num_words":13,"start":86.96,"end":98.08},{"sentences":[{"text":"Thank god.","start":98.08,"end":98.9,"sentiment":"positive","sentiment_score":0.5544263124465942},{"text":"Oh, no.","start":100.605,"end":102.545006,"sentiment":"neutral","sentiment_score":-0.0248066708445549},{"text":"It's crazy.","start":102.685005,"end":103.425,"sentiment":"neutral","sentiment_score":-0.0901283472776413},{"text":"Yep.","start":104.445,"end":104.945,"sentiment":"neutral","sentiment_score":0.12419459223747252},{"text":"Yep.","start":126.05,"end":126.55,"sentiment":"neutral","sentiment_score":0.10601263493299484}],"sentiment":"neutral","sentiment_score":0.13864872697740793,"num_words":8,"start":98.08,"end":126.55},{"sentences":[{"text":"Yes.","start":137.77501,"end":138.27501,"sentiment":"neutral","sentiment_score":0.05966557562351227},{"text":"Yep.","start":157.08499,"end":157.58499,"sentiment":"neutral","sentiment_score":0.02011849358677864},{"text":"Yeah.","start":158.845,"end":159.08499,"sentiment":"neutral","sentiment_score":0.04088589549064636},{"text":"That's fine.","start":159.08499,"end":159.905,"sentiment":"neutral","sentiment_score":0.09187370911240578},{"text":"Yeah.","start":167.08499,"end":167.58499,"sentiment":"neutral","sentiment_score":0.11595959216356276}],"sentiment":"neutral","sentiment_score":0.07006282918155193,"num_words":6,"start":137.77501,"end":167.58499},{"sentences":[{"text":"Yep.","start":182.595,"end":183.095,"sentiment":"neutral","sentiment_score":0.131179079413414},{"text":"Yeah.","start":196.05,"end":196.55,"sentiment":"neutral","sentiment_score":0.2100169062614441},{"text":"Okay.","start":197.81,"end":198.13,"sentiment":"neutral","sentiment_score":0.0729418396949768},{"text":"We all thought I've already done that.","start":198.13,"end":199.75,"sentiment":"neutral","sentiment_score":0.046610441990196705},{"text":"Yep.","start":204.53,"end":205.03,"sentiment":"neutral","sentiment_score":0.1124901920557022}],"sentiment":"neutral","sentiment_score":0.07753646466881037,"num_words":11,"start":182.595,"end":205.03},{"sentences":[{"text":"Yep.","start":207.49,"end":207.99,"sentiment":"positive","sentiment_score":0.3571484088897705},{"text":"Yep.","start":219.465,"end":219.965,"sentiment":"neutral","sentiment_score":0.24964389204978943},{"text":"Yep.","start":223.945,"end":224.4,"sentiment":"neutral","sentiment_score":0.29072171449661255},{"text":"Got it.","start":229.12,"end":229.86,"sentiment":"neutral","sentiment_score":0.11629195883870125},{"text":"Yeah.","start":250.095,"end":250.175,"sentiment":"neutral","sentiment_score":-0.17721164226531982}],"sentiment":"neutral","sentiment_score":0.15881438180804253,"num_words":6,"start":207.49,"end":250.175},{"sentences":[{"text":"Yeah.","start":250.175,"end":250.575,"sentiment":"neutral","sentiment_score":-0.15775486826896667},{"text":"I'll maybe mention that.","start":250.575,"end":251.955,"sentiment":"neutral","sentiment_score":-0.13516882434487343},{"text":"Yep.","start":260.04,"end":260.54,"sentiment":"negative","sentiment_score":-0.33855924010276794},{"text":"Okay.","start":266.76,"end":267.26,"sentiment":"neutral","sentiment_score":-0.008895039558410645},{"text":"Yep.","start":270.615,"end":271.115,"sentiment":"neutral","sentiment_score":0.1618066132068634}],"sentiment":"neutral","sentiment_score":-0.11050972901284695,"num_words":8,"start":250.175,"end":271.115},{"sentences":[{"text":"Yep.","start":282.69498,"end":283.19498,"sentiment":"positive","sentiment_score":0.4326889514923096},{"text":"Okay.","start":289.16,"end":289.28,"sentiment":"neutral","sentiment_score":0.142450213432312},{"text":"I see it.","start":289.28,"end":290.06,"sentiment":"neutral","sentiment_score":0.02331308585902055},{"text":"Yep.","start":298.28,"end":298.78,"sentiment":"neutral","sentiment_score":-0.2666190564632416},{"text":"Yeah.","start":302.01498,"end":302.51498,"sentiment":"neutral","sentiment_score":-0.22070248425006864}],"sentiment":"neutral","sentiment_score":0.022536697398339002,"num_words":7,"start":282.69498,"end":302.51498},{"sentences":[{"text":"Yeah.","start":312.1,"end":312.6,"sentiment":"neutral","sentiment_score":0.18200436234474185},{"text":"Yep.","start":315.46002,"end":315.96002,"sentiment":"neutral","sentiment_score":0.31403377652168274},{"text":"With certain gun protection, is that something I'd probably should do sort of privately myself if I wanted to?","start":316.18002,"end":321.96002,"sentiment":"neutral","sentiment_score":-0.03149764024113354},{"text":"Yeah.","start":323.54,"end":324.04,"sentiment":"neutral","sentiment_score":-0.09493307769298552},{"text":"Yeah.","start":333.83502,"end":334.155,"sentiment":"negative","sentiment_score":-0.3518536686897278}],"sentiment":"neutral","sentiment_score":-0.023878424873818523,"num_words":23,"start":312.1,"end":334.155},{"sentences":[{"text":"Fair enough.","start":334.155,"end":337.295,"sentiment":"negative","sentiment_score":-0.3387654423713684},{"text":"Yep.","start":337.67502,"end":338.17502,"sentiment":"neutral","sentiment_score":-0.015889031812548637},{"text":"Yep.","start":351.90997,"end":352.365,"sentiment":"neutral","sentiment_score":0.11372002214193344},{"text":"Yep.","start":362.60498,"end":363.10498,"sentiment":"neutral","sentiment_score":0.17383790016174316},{"text":"Yeah.","start":370.69,"end":371.19,"sentiment":"neutral","sentiment_score":0.2959480285644531}],"sentiment":"neutral","sentiment_score":-0.01831899428119262,"num_words":6,"start":334.155,"end":371.19},{"sentences":[{"text":"Yes.","start":382.075,"end":382.575,"sentiment":"neutral","sentiment_score":-0.02025839127600193},{"text":"Yep.","start":400.02,"end":400.52,"sentiment":"neutral","sentiment_score":0.11803102493286131},{"text":"Yep.","start":404.58,"end":404.74,"sentiment":"neutral","sentiment_score":0.09018848836421968},{"text":"That sounds good.","start":404.74,"end":405.87997,"sentiment":"neutral","sentiment_score":0.26161742210388184},{"text":"Yep.","start":420.115,"end":420.615,"sentiment":"neutral","sentiment_score":0.06495112180709839}],"sentiment":"neutral","sentiment_score":0.14825207287711756,"num_words":7,"start":382.075,"end":420.615},{"sentences":[{"text":"Yep.","start":420.915,"end":421.415,"sentiment":"neutral","sentiment_score":0.05718100070953369},{"text":"Oh, that's good.","start":431.81003,"end":432.93002,"sentiment":"neutral","sentiment_score":0.21657571693261465},{"text":"Yep.","start":432.93002,"end":433.43002,"sentiment":"neutral","sentiment_score":0.21627867221832275},{"text":"Yep.","start":443.155,"end":443.655,"sentiment":"positive","sentiment_score":0.4969762563705444},{"text":"Yep.","start":451.12,"end":451.62,"sentiment":"neutral","sentiment_score":0.08139901608228683}],"sentiment":"neutral","sentiment_score":0.2145088708826474,"num_words":7,"start":420.915,"end":451.62},{"sentences":[{"text":"Yep.","start":458.4,"end":458.9,"sentiment":"neutral","sentiment_score":0.0766918733716011},{"text":"Yep.","start":463.735,"end":464.235,"sentiment":"neutral","sentiment_score":0.07311588525772095},{"text":"Sounds good.","start":464.375,"end":465.435,"sentiment":"neutral","sentiment_score":0.27598893642425537},{"text":"Alright.","start":467.735,"end":468.235,"sentiment":"neutral","sentiment_score":0.0673535019159317},{"text":"Yep.","start":483.75,"end":484.25,"sentiment":"neutral","sentiment_score":0.07650503516197205}],"sentiment":"neutral","sentiment_score":0.14094069475928941,"num_words":6,"start":458.4,"end":484.25},{"sentences":[{"text":"Okay.","start":495.335,"end":495.735,"sentiment":"positive","sentiment_score":0.3393353223800659},{"text":"Yep.","start":495.735,"end":496.235,"sentiment":"positive","sentiment_score":0.46530574560165405},{"text":"Tracking it.","start":498.935,"end":499.57498,"sentiment":"neutral","sentiment_score":0.20363691449165344},{"text":"Yep.","start":499.57498,"end":500.07498,"sentiment":"neutral","sentiment_score":0.09792616218328476},{"text":"Alright.","start":513.44,"end":513.76,"sentiment":"neutral","sentiment_score":0.1734076589345932}],"sentiment":"neutral","sentiment_score":0.24720811968048415,"num_words":6,"start":495.335,"end":513.76},{"sentences":[{"text":"Yep.","start":513.76,"end":514.26,"sentiment":"neutral","sentiment_score":0.12023737281560898},{"text":"Yep.","start":517.595,"end":518.095,"sentiment":"neutral","sentiment_score":0.05957611650228501},{"text":"Alright.","start":518.71497,"end":518.96497,"sentiment":"neutral","sentiment_score":0.18118464946746823},{"text":"Yep.","start":518.96497,"end":519.46497,"sentiment":"neutral","sentiment_score":0.29359567165374756},{"text":"Yeah.","start":530.82,"end":531.32,"sentiment":"neutral","sentiment_score":0.13582906126976013}],"sentiment":"neutral","sentiment_score":0.15808457434177398,"num_words":5,"start":513.76,"end":531.32},{"sentences":[{"text":"Yeah.","start":539.7,"end":540.02,"sentiment":"neutral","sentiment_score":-0.004755821079015732},{"text":"Yeah.","start":540.02,"end":540.52,"sentiment":"neutral","sentiment_score":-0.08134941756725311},{"text":"Yeah.","start":553.745,"end":554.245,"sentiment":"neutral","sentiment_score":-0.0031374599784612656},{"text":"Yep.","start":557.38,"end":557.88,"sentiment":"neutral","sentiment_score":0.262066125869751},{"text":"Sound good.","start":559.62,"end":560.44,"sentiment":"positive","sentiment_score":0.4253854751586914}],"sentiment":"neutral","sentiment_score":0.17059906292706728,"num_words":6,"start":539.7,"end":560.44},{"sentences":[{"text":"Okay.","start":575.09503,"end":575.59503,"sentiment":"neutral","sentiment_score":-0.23158028721809387},{"text":"Right.","start":595.26996,"end":595.51,"sentiment":"neutral","sentiment_score":-0.035935766994953156},{"text":"Yeah.","start":595.51,"end":595.815,"sentiment":"neutral","sentiment_score":-0.1558625102043152},{"text":"Yep.","start":598.535,"end":599.035,"sentiment":"neutral","sentiment_score":-0.0510745607316494},{"text":"Yes, ma'am.","start":613.23004,"end":614.13,"sentiment":"neutral","sentiment_score":0.011399544775485992}],"sentiment":"neutral","sentiment_score":-0.07527567259967327,"num_words":6,"start":575.09503,"end":614.13},{"sentences":[{"text":"Yep.","start":627.695,"end":628.015,"sentiment":"neutral","sentiment_score":0.03800738602876663},{"text":"Fair enough.","start":628.015,"end":628.755,"sentiment":"neutral","sentiment_score":0.020690057426691055},{"text":"Yep.","start":636.335,"end":636.835,"sentiment":"neutral","sentiment_score":0.30228090286254883},{"text":"Yes.","start":640.12,"end":640.60004,"sentiment":"neutral","sentiment_score":0.1669681817293167},{"text":"Yep.","start":640.60004,"end":641.10004,"sentiment":"neutral","sentiment_score":0.22635257244110107}],"sentiment":"neutral","sentiment_score":0.12916485965251923,"num_words":6,"start":627.695,"end":641.10004},{"sentences":[{"text":"Yeah.","start":657.46497,"end":657.70496,"sentiment":"neutral","sentiment_score":0.019732356071472168},{"text":"That's right.","start":657.70496,"end":658.605,"sentiment":"neutral","sentiment_score":0.1495595946907997},{"text":"Got it.","start":668.53,"end":668.85,"sentiment":"neutral","sentiment_score":0.1917446404695511},{"text":"Yeah.","start":668.85,"end":669.09,"sentiment":"neutral","sentiment_score":0.18132004141807556},{"text":"Yep.","start":669.09,"end":669.59,"sentiment":"neutral","sentiment_score":0.1553703248500824}],"sentiment":"neutral","sentiment_score":0.14843302752290452,"num_words":7,"start":657.46497,"end":669.59},{"sentences":[{"text":"Yeah.","start":681.975,"end":682.45496,"sentiment":"neutral","sentiment_score":0.1045122891664505},{"text":"Yep.","start":682.45496,"end":682.95496,"sentiment":"neutral","sentiment_score":0.03133826330304146},{"text":"Yes.","start":694.25,"end":694.75,"sentiment":"neutral","sentiment_score":0.116444431245327},{"text":"Yep.","start":744.41504,"end":744.91504,"sentiment":"neutral","sentiment_score":0.14896897971630096},{"text":"Right.","start":744.97504,"end":745.47504,"sentiment":"neutral","sentiment_score":0.22237494587898257}],"sentiment":"neutral","sentiment_score":0.12472778186202049,"num_words":5,"start":681.975,"end":745.47504},{"sentences":[{"text":"Yep.","start":747.455,"end":747.955,"sentiment":"neutral","sentiment_score":0.18285757303237915},{"text":"It's good.","start":752.16003,"end":752.9,"sentiment":"positive","sentiment_score":0.5355160534381866},{"text":"Yep.","start":785.54,"end":786.04,"sentiment":"neutral","sentiment_score":0.314569354057312},{"text":"Yep.","start":816.10504,"end":816.60504,"sentiment":"neutral","sentiment_score":0.16352055966854095},{"text":"Yeah.","start":828.64,"end":829.14,"sentiment":"neutral","sentiment_score":0.016399793326854706}],"sentiment":"neutral","sentiment_score":0.2913965644935767,"num_words":6,"start":747.455,"end":829.14},{"sentences":[{"text":"No.","start":830.64,"end":830.96,"sentiment":"neutral","sentiment_score":-0.0047707995399832726},{"text":"That's alright.","start":830.96,"end":831.62,"sentiment":"neutral","sentiment_score":0.007400644477456808},{"text":"Yeah.","start":833.12,"end":833.44,"sentiment":"neutral","sentiment_score":0.011864148080348969},{"text":"I'll read it.","start":833.44,"end":834.0,"sentiment":"neutral","sentiment_score":0.009440477006137371},{"text":"Yep.","start":834.0,"end":834.5,"sentiment":"neutral","sentiment_score":0.10460814833641052}],"sentiment":"neutral","sentiment_score":0.019353027106262743,"num_words":8,"start":830.64,"end":834.5},{"sentences":[{"text":"Yep.","start":843.61505,"end":843.85504,"sentiment":"neutral","sentiment_score":0.09733983129262924},{"text":"That's fine.","start":843.85504,"end":844.755,"sentiment":"neutral","sentiment_score":0.20852766931056976},{"text":"Yep.","start":847.775,"end":848.275,"sentiment":"neutral","sentiment_score":0.11037012189626694},{"text":"Alright.","start":849.135,"end":849.635,"sentiment":"neutral","sentiment_score":0.10209846496582033},{"text":"Yep.","start":859.83997,"end":860.33997,"sentiment":"neutral","sentiment_score":0.03836880624294281}],"sentiment":"neutral","sentiment_score":0.12753876050313315,"num_words":6,"start":843.61505,"end":860.33997},{"sentences":[{"text":"Yep.","start":863.44,"end":863.94,"sentiment":"neutral","sentiment_score":0.083573117852211},{"text":"Yep.","start":912.82,"end":913.32,"sentiment":"positive","sentiment_score":0.41232413053512573},{"text":"Yeah.","start":928.615,"end":929.115,"sentiment":"neutral","sentiment_score":0.21063232421875},{"text":"Alright.","start":929.575,"end":930.055,"sentiment":"neutral","sentiment_score":0.17568665742874146},{"text":"So what does that mean?","start":930.055,"end":930.85504,"sentiment":"neutral","sentiment_score":0.05032231658697128}],"sentiment":"neutral","sentiment_score":0.12598086810774273,"num_words":9,"start":863.44,"end":930.85504},{"sentences":[{"text":"It's tax time?","start":930.85504,"end":931.91504,"sentiment":"neutral","sentiment_score":0.12411769106984138},{"text":"Yep.","start":960.43,"end":960.93,"sentiment":"neutral","sentiment_score":0.16718485951423645},{"text":"Oh, that's good.","start":963.39,"end":964.11005,"sentiment":"positive","sentiment_score":0.39831196268399555},{"text":"Yep.","start":964.11005,"end":964.61005,"sentiment":"neutral","sentiment_score":0.26281750202178955},{"text":"Yeah.","start":966.27,"end":966.51,"sentiment":"neutral","sentiment_score":0.03874370455741882}],"sentiment":"neutral","sentiment_score":0.22622611415055063,"num_words":9,"start":930.85504,"end":966.51},{"sentences":[{"text":"That's fine.","start":966.51,"end":967.25,"sentiment":"neutral","sentiment_score":0.21112509071826935},{"text":"Yep.","start":969.95,"end":970.45,"sentiment":"neutral","sentiment_score":0.26168352365493774},{"text":"Yep.","start":980.20496,"end":980.70496,"sentiment":"neutral","sentiment_score":0.2763991355895996},{"text":"Yeah.","start":981.725,"end":982.225,"sentiment":"neutral","sentiment_score":0.1579645723104477},{"text":"Alright.","start":982.76495,"end":983.26495,"sentiment":"positive","sentiment_score":0.3439294993877411}],"sentiment":"neutral","sentiment_score":0.24370448539654413,"num_words":6,"start":966.51,"end":983.26495},{"sentences":[{"text":"No worries.","start":984.42,"end":985.14,"sentiment":"neutral","sentiment_score":0.31289489567279816},{"text":"Alright.","start":985.14,"end":985.64,"sentiment":"neutral","sentiment_score":-0.05079963803291321},{"text":"Yes.","start":1005.845,"end":1006.345,"sentiment":"neutral","sentiment_score":0.3306528329849243},{"text":"Yes.","start":1011.605,"end":1012.105,"sentiment":"neutral","sentiment_score":0.15648740530014038},{"text":"Yeah.","start":1016.66,"end":1017.06,"sentiment":"neutral","sentiment_score":0.08510223031044006}],"sentiment":"neutral","sentiment_score":0.19120543698469797,"num_words":6,"start":984.42,"end":1017.06},{"sentences":[{"text":"All in.","start":1017.06,"end":1017.54,"sentiment":"neutral","sentiment_score":0.12566649541258812},{"text":"No worries.","start":1017.54,"end":1018.2,"sentiment":"neutral","sentiment_score":0.27900344133377075},{"text":"Sounds good.","start":1019.46,"end":1020.28,"sentiment":"positive","sentiment_score":0.6386812925338745},{"text":"Yes.","start":1027.835,"end":1028.335,"sentiment":"neutral","sentiment_score":0.1649743914604187},{"text":"Yes.","start":1051.23,"end":1051.73,"sentiment":"neutral","sentiment_score":0.13984191417694092}],"sentiment":"neutral","sentiment_score":0.2989398455247283,"num_words":8,"start":1017.06,"end":1051.73},{"sentences":[{"text":"Yep.","start":1052.265,"end":1052.765,"sentiment":"neutral","sentiment_score":0.28501781821250916},{"text":"It's on Madison.","start":1065.545,"end":1066.4451,"sentiment":"neutral","sentiment_score":0.029741883898774784},{"text":"Yep.","start":1077.59,"end":1078.09,"sentiment":"neutral","sentiment_score":0.16326527297496796},{"text":"Yep.","start":1082.215,"end":1082.715,"sentiment":"neutral","sentiment_score":0.16761188209056854},{"text":"That's fine.","start":1088.2949,"end":1089.0149,"sentiment":"neutral","sentiment_score":0.23432154953479767}],"sentiment":"neutral","sentiment_score":0.14672046550549567,"num_words":8,"start":1052.265,"end":1089.0149},{"sentences":[{"text":"Yep.","start":1089.0149,"end":1089.5149,"sentiment":"neutral","sentiment_score":0.08348395675420761},{"text":"Yep.","start":1091.6549,"end":1091.815,"sentiment":"neutral","sentiment_score":0.2583298087120056},{"text":"Yes.","start":1091.815,"end":1092.2949,"sentiment":"positive","sentiment_score":0.4276948571205139},{"text":"Sounds good.","start":1092.2949,"end":1093.2749,"sentiment":"positive","sentiment_score":0.7598643004894257},{"text":"Yep.","start":1108.695,"end":1109.195,"sentiment":"neutral","sentiment_score":0.1501638889312744}],"sentiment":"positive","sentiment_score":0.4065668520828088,"num_words":6,"start":1089.0149,"end":1109.195},{"sentences":[{"text":"Yes.","start":1117.095,"end":1117.595,"sentiment":"neutral","sentiment_score":-0.04255262017250061},{"text":"Yep.","start":1118.775,"end":1119.275,"sentiment":"neutral","sentiment_score":-0.03623548522591591},{"text":"Absolutely.","start":1127.77,"end":1128.27,"sentiment":"neutral","sentiment_score":-0.011684192344546318},{"text":"Yep.","start":1128.5701,"end":1129.0701,"sentiment":"neutral","sentiment_score":-0.007276412099599838},{"text":"Thank you.","start":1130.09,"end":1130.83,"sentiment":"positive","sentiment_score":0.5049674659967422}],"sentiment":"neutral","sentiment_score":0.15203103702515364,"num_words":6,"start":1117.095,"end":1130.83},{"sentences":[{"text":"Hold on.","start":1133.13,"end":1133.685,"sentiment":"neutral","sentiment_score":0.16628406196832657},{"text":"Yep.","start":1144.4851,"end":1144.9851,"sentiment":"neutral","sentiment_score":0.27380746603012085},{"text":"Yep.","start":1149.0901,"end":1149.5901,"sentiment":"neutral","sentiment_score":0.15939277410507202},{"text":"Okay.","start":1157.5701,"end":1158.0701,"sentiment":"neutral","sentiment_score":0.03476416692137718},{"text":"Yeah.","start":1164.345,"end":1164.845,"sentiment":"neutral","sentiment_score":0.0307915061712265}],"sentiment":"neutral","sentiment_score":0.13855400619407496,"num_words":6,"start":1133.13,"end":1164.845},{"sentences":[{"text":"Yep.","start":1175.1599,"end":1175.6599,"sentiment":"neutral","sentiment_score":0.056304048746824265},{"text":"Not yet.","start":1175.72,"end":1179.98,"sentiment":"neutral","sentiment_score":0.010049395263195038},{"text":"Yep.","start":1191.765,"end":1192.265,"sentiment":"neutral","sentiment_score":0.06245934218168259},{"text":"Yep.","start":1201.285,"end":1201.785,"sentiment":"neutral","sentiment_score":0.16457799077033997},{"text":"Yep.","start":1211.34,"end":1211.84,"sentiment":"neutral","sentiment_score":0.3185018002986908}],"sentiment":"neutral","sentiment_score":0.10365699542065461,"num_words":6,"start":1175.1599,"end":1211.84},{"sentences":[{"text":"Alright.","start":1214.86,"end":1215.36,"sentiment":"neutral","sentiment_score":0.11938755214214324},{"text":"Yeah.","start":1216.065,"end":1216.565,"sentiment":"neutral","sentiment_score":0.05650020390748978},{"text":"That's fair enough.","start":1217.9049,"end":1218.8049,"sentiment":"neutral","sentiment_score":0.17052818338076273},{"text":"K.","start":1218.945,"end":1219.445,"sentiment":"neutral","sentiment_score":0.1504260003566742},{"text":"Yeah.","start":1223.265,"end":1223.765,"sentiment":"neutral","sentiment_score":0.09009480476379396}],"sentiment":"neutral","sentiment_score":0.1325704444731985,"num_words":7,"start":1214.86,"end":1223.765},{"sentences":[{"text":"Yeah.","start":1231.64,"end":1232.14,"sentiment":"neutral","sentiment_score":0.02478152886033058},{"text":"Right.","start":1245.88,"end":1246.1201,"sentiment":"neutral","sentiment_score":0.0589139461517334},{"text":"Yeah.","start":1246.1201,"end":1246.6201,"sentiment":"neutral","sentiment_score":0.07257858663797379},{"text":"Yeah.","start":1248.0449,"end":1248.2849,"sentiment":"neutral","sentiment_score":0.14948242902755737},{"text":"That's fine.","start":1248.2849,"end":1248.845,"sentiment":"neutral","sentiment_score":0.2632496505975723}],"sentiment":"neutral","sentiment_score":0.13870929864545664,"num_words":6,"start":1231.64,"end":1248.845},{"sentences":[{"text":"Yep.","start":1248.845,"end":1249.345,"sentiment":"neutral","sentiment_score":0.26117029786109924},{"text":"Yep.","start":1252.365,"end":1252.865,"sentiment":"neutral","sentiment_score":0.23421719670295715},{"text":"Yep.","start":1259.965,"end":1260.365,"sentiment":"neutral","sentiment_score":0.22522187232971191},{"text":"Sounds good.","start":1260.365,"end":1261.23,"sentiment":"positive","sentiment_score":0.557603508234024},{"text":"Okay.","start":1262.6699,"end":1263.1699,"sentiment":"neutral","sentiment_score":0.14904776215553284}],"sentiment":"neutral","sentiment_score":0.3308106909195582,"num_words":6,"start":1248.845,"end":1263.1699},{"sentences":[{"text":"That's alright.","start":1264.91,"end":1265.65,"sentiment":"neutral","sentiment_score":0.020338639616966248},{"text":"Yep.","start":1269.87,"end":1270.37,"sentiment":"neutral","sentiment_score":0.12113231420516968},{"text":"Yep.","start":1273.3099,"end":1273.8099,"sentiment":"neutral","sentiment_score":0.1986355036497116},{"text":"Yep.","start":1281.3351,"end":1281.8351,"sentiment":"neutral","sentiment_score":0.2209783047437668},{"text":"Alright.","start":1286.89,"end":1287.39,"sentiment":"neutral","sentiment_score":0.10638194531202316}],"sentiment":"neutral","sentiment_score":0.11463422452410062,"num_words":6,"start":1264.91,"end":1287.39},{"sentences":[{"text":"Yep.","start":1299.21,"end":1299.37,"sentiment":"positive","sentiment_score":0.39234039187431335},{"text":"Sounds good.","start":1299.37,"end":1300.19,"sentiment":"positive","sentiment_score":0.6115835607051849},{"text":"No.","start":1302.005,"end":1302.1649,"sentiment":"neutral","sentiment_score":-0.07959296554327011},{"text":"That's all.","start":1302.1649,"end":1302.725,"sentiment":"neutral","sentiment_score":-0.028859415091574192},{"text":"No.","start":1302.725,"end":1303.205,"sentiment":"neutral","sentiment_score":-0.08123598247766495}],"sentiment":"neutral","sentiment_score":0.1995656764400857,"num_words":7,"start":1299.21,"end":1303.205},{"sentences":[{"text":"No.","start":1303.205,"end":1303.445,"sentiment":"neutral","sentiment_score":-0.07086517661809921},{"text":"That's fine.","start":1303.445,"end":1303.9249,"sentiment":"neutral","sentiment_score":0.0006269179284572601},{"text":"That's all.","start":1303.9249,"end":1304.6649,"sentiment":"neutral","sentiment_score":0.029927046969532967},{"text":"No.","start":1305.205,"end":1305.365,"sentiment":"neutral","sentiment_score":-0.05412302538752556},{"text":"I think you've everything's fine.","start":1305.365,"end":1306.6449,"sentiment":"neutral","sentiment_score":0.19175187051296233}],"sentiment":"neutral","sentiment_score":0.08135264366865158,"num_words":11,"start":1303.205,"end":1306.6449},{"sentences":[{"text":"It's pretty self self explanatory.","start":1306.6449,"end":1308.1849,"sentiment":"neutral","sentiment_score":0.22292232513427734},{"text":"So I'll get them forms, and I'll send them out and send them on.","start":1308.245,"end":1310.725,"sentiment":"positive","sentiment_score":0.37801077855484827},{"text":"Send it through.","start":1310.725,"end":1311.5449,"sentiment":"positive","sentiment_score":0.3345347543557485},{"text":"Lovely.","start":1312.725,"end":1313.225,"sentiment":"positive","sentiment_score":0.8436108827590942},{"text":"Thanks, Dana.","start":1313.5249,"end":1314.4249,"sentiment":"positive","sentiment_score":0.6326186060905457}],"sentiment":"positive","sentiment_score":0.3807685953378677,"num_words":25,"start":1306.6449,"end":1314.4249},{"sentences":[{"text":"You too.","start":1315.605,"end":1316.28,"sentiment":"neutral","sentiment_score":0.15406706184148788},{"text":"Not a problem.","start":1319.24,"end":1319.88,"sentiment":"positive","sentiment_score":0.4069259564081828},{"text":"Thanks very much.","start":1319.88,"end":1320.86,"sentiment":"positive","sentiment_score":0.7770487070083618},{"text":"Okay.","start":1322.12,"end":1322.62,"sentiment":"positive","sentiment_score":0.3530876636505127},{"text":"Yeah.","start":1322.76,"end":1323.0801,"sentiment":"neutral","sentiment_score":0.30560439825057983}],"sentiment":"positive","sentiment_score":0.45187501758337023,"num_words":10,"start":1315.605,"end":1323.0801},{"sentences":[{"text":"You too.","start":1323.0801,"end":1323.48,"sentiment":"positive","sentiment_score":0.4851080924272537},{"text":"Thanks, Jonah.","start":1323.48,"end":1324.12,"sentiment":"positive","sentiment_score":0.6041125059127808},{"text":"Bye.","start":1324.12,"end":1324.4401,"sentiment":"positive","sentiment_score":0.4032936990261078},{"text":"Bye.","start":1324.4401,"end":1324.9401,"sentiment":"neutral","sentiment_score":0.23224765062332153},{"text":"Bye.","start":1325.24,"end":1325.74,"sentiment":"neutral","sentiment_score":-0.10305521637201308}],"sentiment":"positive","sentiment_score":0.3872753328510693,"num_words":7,"start":1323.0801,"end":1325.74}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Glenn. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Good day. How are you?\n\nChannel 0: I'm very well. Thank you. I had an updated advice document to go through with you this afternoon. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. Do you happen to have access to your emails? If you don't, that's\n\nChannel 1: No.\n\nChannel 0: absolutely\n\nChannel 1: I don't. It's\n\nChannel 0: okay.\n\nChannel 1: yeah.\n\nChannel 0: Sorry.\n\nChannel 1: I I I can get it on the phone.\n\nChannel 0: Yeah. That's okay. Did you want me to send that one through so you can have a look\n\nChannel 1: Yep.\n\nChannel 0: at it, or did you\n\nChannel 1: Yep.\n\nChannel 0: want me just to kinda run through it? Yeah?\n\nChannel 1: I just\n\nChannel 0: Perfect.\n\nChannel 1: got through it. That's fine.\n\nChannel 0: Yeah. That's okay. Well, what I'll do is I'll send this one out after the call. I know we sort of spoke late last year, and I do apologize for the time it's taken to get this together. I've just been extremely busy.\n\nI've got some updated advice. We sort of had a look and wanted to go through things and update everything for you, and there's been some\n\nChannel 1: Yep.\n\nChannel 0: changes that I wanted to recently update. This is why I've kinda gone back and redone it.\n\nChannel 1: Yep.\n\nChannel 0: Just before we jump into the call there, I do need to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's the one. Yep. No worries.\n\nChannel 0: Yep. Beautiful. And I do need to do security there with you as well. We are discussing your personal information.\n\nChannel 1: Yep.\n\nChannel 0: So I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Glenn Andrew Bynum. Twenty third. Excuse me. 10 Centurion,\n\nChannel 0: Yeah.\n\nChannel 1: Traitamore, New South Wales 2714.\n\nChannel 0: Perfect. Thank you so much for that. How's your day been? I know you've been working some long hours recently. How's\n\nChannel 1: Yeah.\n\nChannel 0: today\n\nChannel 1: It's\n\nChannel 0: gone?\n\nChannel 1: wet. It rained all day.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Wow.\n\nChannel 1: we need the rain.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. And you're almost halfway through the week.\n\nChannel 1: Yep. Thank god.\n\nChannel 0: It's amazing. We're already\n\nChannel 1: Oh,\n\nChannel 0: in March. This year is flying\n\nChannel 1: no.\n\nChannel 0: by. It's\n\nChannel 1: It's crazy.\n\nChannel 0: crazy, isn't it?\n\nChannel 1: Yep.\n\nChannel 0: All good. Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there. It takes take a lot of it in. Essentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial. My adviser registration number through ASIC is 1304394.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: The advice we have for bearing has been provided in your best interest, so we always make sure we're going through the details of updating your circumstances, looking at your goals so that we are working towards your goals moving forward. Okay?\n\nChannel 1: Yes.\n\nChannel 0: With the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you. At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week. Does that still sound fairly accurate\n\nChannel 1: Yep.\n\nChannel 0: for where you're at at the moment?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Beautiful. You are comfortable about looking looking at whether you needed to maybe start making additional contributions to Super to\n\nChannel 1: Yeah.\n\nChannel 0: sort of help you along to meet that goal, and I've had a really good look, and I've made a recommendation there for you. Okay? With the estate planning side of things, I had a really good look, and it looks like we don't have a beneficiary nominal no nomination on file for your super there at the moment. So\n\nChannel 1: Yep.\n\nChannel 0: I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most\n\nChannel 1: Yeah.\n\nChannel 0: effective way for you.\n\nChannel 1: Okay. We all thought I've already done that.\n\nChannel 0: It looks like and I had a look on file, and I can't see one applied. So we will make sure that\n\nChannel 1: Yep.\n\nChannel 0: is updated for you. Okay? All\n\nChannel 1: Yep.\n\nChannel 0: good. I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super. I wanted to make sure that you kind of get a bit of an idea of where we're heading, where we're tracking for at the moment with regard to that.\n\nChannel 1: Yep.\n\nChannel 0: You're in your fifties, so you are getting closer to those retirement years. So not only\n\nChannel 1: Yep.\n\nChannel 0: just looking at super, but kinda showing you what we're on track for based on the recommendations there.\n\nChannel 1: Got\n\nChannel 0: Okay?\n\nChannel 1: it.\n\nChannel 0: One of the things we also did talk about was the insurance side of things. So we did you did want me to go back and see if I was able to get any cover for you. I did go back and look and do a lot of research and a lot of willing and dealing with regard to the insurance side of things. Because you had a TPD claim back a while ago, it was gonna be difficult.\n\nChannel 1: Yeah. Yeah. I'll maybe\n\nChannel 0: I did\n\nChannel 1: mention\n\nChannel 0: speak\n\nChannel 1: that.\n\nChannel 0: yeah. I did speak to the insurers, and because of the reason for the TPD claim, which was the lung cancer diagnosis, they actually\n\nChannel 1: Yep.\n\nChannel 0: come back saying they're not willing to offer any cover at all. We are not even able to get life or trauma at the moment. So what\n\nChannel 1: Okay.\n\nChannel 0: I've wanted to do we tried. We we gave it our best shot.\n\nChannel 1: Yep.\n\nChannel 0: So it does mean that we are not able to make a recommendation, and we're not able to meet your insurance goal. However, because you are in your fifties, I wanted to put a bit more focus into your super. Let's boost your super to kind\n\nChannel 1: Yep.\n\nChannel 0: of close that gap. So if anything happens from the age of 60 onwards, you're able to access your super.\n\nChannel 1: Okay. I\n\nChannel 0: Even\n\nChannel 1: see it.\n\nChannel 0: before the age of 60, say, if something was to happen to you and you were to, you know, have to claim PPD and you could get the doctors to sign off on that, then we\n\nChannel 1: Yep.\n\nChannel 0: also can claim permanent incapacity against your super. So\n\nChannel 1: Yeah.\n\nChannel 0: there's it's it's still leaving a bit of a gap there, but there are things that we can do down the track. So I wanted to be open and honest there, and I figured since we can't get the insurance, if we're not able to meet that\n\nChannel 1: Yeah.\n\nChannel 0: goal, let's focus on Super and try to build that as much as we possibly\n\nChannel 1: Yep.\n\nChannel 0: can. Okay?\n\nChannel 1: With certain gun protection, is that something I'd probably should do sort of privately myself if I wanted\n\nChannel 0: With\n\nChannel 1: to?\n\nChannel 0: income protection,\n\nChannel 1: Yeah.\n\nChannel 0: you can try, but it is gonna be very, very difficult because you do have to disclose you've had a d a TPD claim in the past. They're gonna wanna understand why that claim occurred.\n\nChannel 1: Yeah. Fair\n\nChannel 0: Disability and income protection is gonna be very difficult.\n\nChannel 1: enough. Yep.\n\nChannel 0: In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net. If you wanted\n\nChannel 1: Yep.\n\nChannel 0: advice in other areas, because I'm a full licensed adviser, if you wanted maybe cash flow and budgeting advice to help build a savings account to give you, like, a safety net in the event that you're not working and need\n\nChannel 1: Yep.\n\nChannel 0: a bit of, you know, an emergency fund to fall back on if you wanted to look at investing outside of super and building wealth in other areas there.\n\nChannel 1: Yeah.\n\nChannel 0: I can help and provide advice on those. And, I mean, when it comes, yeah, but when it comes to insurances, we kind of look at that as sort of the be on end or as the protection if something was to happen.\n\nChannel 1: Yes.\n\nChannel 0: But at the end of the day, insurances only provide a certain level of cover that can still be a gap involved. So whilst we're not able to get cover, we can look at building wealth and closing the gap in other ways for you, whether it be building savings in in a bank account somewhere or whether we're looking at investing down the track as well. So if\n\nChannel 1: Yep.\n\nChannel 0: it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those\n\nChannel 1: Yep.\n\nChannel 0: sorts\n\nChannel 1: That\n\nChannel 0: of\n\nChannel 1: sounds\n\nChannel 0: options\n\nChannel 1: good.\n\nChannel 0: for you. Okay? Perfect. I'll jump sort of into the recommendations. Now as you are going through this document when you are seeing it there, have a double check of your assets and liabilities.\n\nWe have things noted, like your boat, your caravandy contents, and your Nissan Navara\n\nChannel 1: Yep.\n\nChannel 0: there\n\nChannel 1: Yep.\n\nChannel 0: with the current values we had noted. If you find there are changes, please do let me know. I can update everything in the back end. The good news is no changes to those affect the advice in any way at the moment.\n\nChannel 1: Oh, that's\n\nChannel 0: Okay.\n\nChannel 1: good. Yep.\n\nChannel 0: Yeah. All good. Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account. Hub\n\nChannel 1: Yep.\n\nChannel 0: 24 has been a great platform. It is working really well there for you, and there are no major changes to the platform that require us to move on out.\n\nChannel 1: Yep.\n\nChannel 0: I am obviously, because we don't have any insurances, we're not able to get any. I am also recommending that you do commence a\n\nChannel 1: Yep.\n\nChannel 0: salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the\n\nChannel 1: Yep.\n\nChannel 0: super there.\n\nChannel 1: Sounds good.\n\nChannel 0: Sorry. $50 per week. I do apologize.\n\nChannel 1: Alright.\n\nChannel 0: Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super. You have a really good balance at the moment. So when the advice was done up a few weeks ago, the balance in your current super was about 304,000 and\n\nChannel 1: Yep.\n\nChannel 0: 73. By increasing contributions in by that $50 on a weekly basis, you're adding after tax next to 2,210 into super on top of your employer pay contributions. So\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: can provide a bit more of a benefit for you down the track. And instead\n\nChannel 1: Tracking\n\nChannel 0: of\n\nChannel 1: it.\n\nChannel 0: having\n\nChannel 1: Yep.\n\nChannel 0: the, yeah, instead of having the money invested essentially in sorry. Instead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%. So\n\nChannel 1: Alright.\n\nChannel 0: it is\n\nChannel 1: Yep.\n\nChannel 0: tax less than five people, so you have more invested there for you working\n\nChannel 1: Yep.\n\nChannel 0: harder. Okay?\n\nChannel 1: Alright. Yep.\n\nChannel 0: Perfect. One of the things you wanted to look at when we spoke last time was maybe moving into more of a high growth portfolio. You wanted to be able to take a little bit more risk in the market to see if you can get some greater potential returns there,\n\nChannel 1: Yeah.\n\nChannel 0: we are recommending that we do move you into that higher growth environment for the time being. We can always pull back and make changes and reduce that down the track if you would like to or\n\nChannel 1: Yeah.\n\nChannel 0: if you\n\nChannel 1: Yeah.\n\nChannel 0: feel not comfortable with it. But taking on a little bit more risk now can provide those greater potential returns. And because you're not wanting to access super until essentially the age of 65 there, you've got a bit more time. You've got over ten years time horizon\n\nChannel 1: Yeah.\n\nChannel 0: to take on and see if you can get your sleep and work a little bit harder for you. So it's\n\nChannel 1: Yep.\n\nChannel 0: absolutely fine. Okay?\n\nChannel 1: Sound good.\n\nChannel 0: I had a really good look at the investments, and one of the reasons it did take a little bit longer to provide the advice was we've have sort of noticed that one of the investments within your portfolio has actually been underperforming. So we've actually taken steps as part of this advice document to remove that.\n\nChannel 1: Okay.\n\nChannel 0: The Benelon Australian Equities, which was initially put in your portfolio as more of an actively managed fund, has been underperforming for the past couple of months. So as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no. We wanna remove that out. It's no longer seen as a quality investment to keep in super, and the\n\nChannel 1: Right.\n\nChannel 0: fact that it's\n\nChannel 1: Yeah.\n\nChannel 0: underperforming isn't giving you any advantages. So\n\nChannel 1: Yep.\n\nChannel 0: we are removing Ben along out. And so by putting you into that high growth environment, you'll see in the advice document all the investments that we have in there. We'll show you what we're selling and what we're gonna buy.\n\nChannel 1: Yes,\n\nChannel 0: But\n\nChannel 1: ma'am.\n\nChannel 0: we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids. You had some bank hybrids in there, and they're more of a defensive investment. Over the course of the next couple of years, they are gonna be sort of phased out. So we\n\nChannel 1: Yep.\n\nChannel 0: are taking the\n\nChannel 1: Fair\n\nChannel 0: steps\n\nChannel 1: enough.\n\nChannel 0: to remove that as well as the Benelon equities and put that money into something that has sort of shown a a little bit more of a return\n\nChannel 1: Yep.\n\nChannel 0: and can provide you a greater benefit over the next sort of ten odd years there.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So within that high growth in portfolio, once we've completed the swap over and the changes and a bit of a rebalance on things, essentially, you'll have a bit of physical Global x physical gold in there. You'll have about 7%. Gold has been doing gangbusters over the\n\nChannel 1: Yeah.\n\nChannel 0: last year\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: right.\n\nChannel 0: continues to do well. It's more of an alternative investment, but it is seen as growth. It does provide great growth and at times where equities aren't performing well come act defensively for your portfolio\n\nChannel 1: Got it. Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: You'll see a little bit of cybersecurity in there again about 7%. This is sort of reaching out of branching into other areas to try and get greater potential returns. Cyber security is still quite a big area to be invested in.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: As much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there.\n\nChannel 1: Yes.\n\nChannel 0: They do it does go up and down, but when you look at how The US on international equities, especially US equities, have performed over the last thirty years, they have provided greater potential returns. With the investment that you're actually in at the moment is the S and P 500, so it tracks the top 500 companies in The US. And that essentially means that whilst you're tracking the top 500, in order to be in the the S and P 500 index, they actually the index actually meets the investment committee for the index actually meets every quarter, and they determine whether in whether companies in The US are allowed to omit the criteria to stay within the index there. So if they no longer meet the in the criteria, they are removed from the S and P 500, which means that the investment you're in, which tracks the S and P 500 index, removes those investments as well. So\n\nChannel 1: Yep.\n\nChannel 0: you are\n\nChannel 1: Right.\n\nChannel 0: always invested in the top 500 companies\n\nChannel 1: Yep.\n\nChannel 0: regardless of what is happening within The US there. Okay?\n\nChannel 1: It's good.\n\nChannel 0: We'll also have exposure to the beta sales Raffi Aussie 200. So giving you access to 200 companies in Australia. It is looking at some of the top, but it's also giving you some access to low and mid cap companies. We're replacing Benelong with the a 200, which is the Australian top 200 companies on the ASX, which is great. You'll see some global health care.\n\nHealth care is a very large area, and it's not just looking at, like, doctor surgeries and hospitals and things like that. It's also looking at the IT sector within health care and the robotics around that sort of things as well. So\n\nChannel 1: Yep.\n\nChannel 0: global health care is an area to see growth in. You'll still see some of the JPMorgan Global Research enhanced equity funds. They're giving you access to global investments that have up and coming or have can show growth, and JPMorgan is a great research tool to utilize, so that investment has seen some good growth, and we'll continue to see that. And with defensive assets, because I mentioned we're moving the bank hybrids out. We're gonna put you into core composite bonds to still make sure you do have some defensive investments.\n\nChannel 1: Yep.\n\nChannel 0: These core composite bonds are giving you access to government bonds but also corporate bonds there as well, and bonds are great for income producing, which helps the compounding effect of your portfolio. So I know that's a lot to kinda go through. I try\n\nChannel 1: Yeah.\n\nChannel 0: to make it fairly basic, but when\n\nChannel 1: No.\n\nChannel 0: you have a\n\nChannel 1: That's\n\nChannel 0: look\n\nChannel 1: alright.\n\nChannel 0: at the document, you'll see what I'm talking\n\nChannel 1: Yeah.\n\nChannel 0: about\n\nChannel 1: I'll\n\nChannel 0: with those\n\nChannel 1: read it.\n\nChannel 0: investments.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. If you find you have questions, you're welcome to let me know. And in the appendix in there, we do also have links to the PDFs and the investment\n\nChannel 1: Yep. That's fine.\n\nChannel 0: information, so you're welcome to always open those links and have a look at it\n\nChannel 1: Yep.\n\nChannel 0: as well.\n\nChannel 1: Alright.\n\nChannel 0: Okay? Perfect. So, essentially, with this one here, we are looking to just alter the underlying portfolio there, start the salary sacrifice of $50 on a weekly basis there\n\nChannel 1: Yep.\n\nChannel 0: and and make sure we have 24. It's important\n\nChannel 1: Yep.\n\nChannel 0: to make you aware that, obviously, this is providing a greater benefit. You're gonna be in a high growth portfolio, which has seen over the last utilizing a three year rolling average, and we have to use a three year for this one because the bank hybrids haven't shown a five year rolling average. So when we kind of look at that, the newer high growth portfolio has been greater returns utilizing the past three roll year rolling average, sorry, which can put you in a position to get greater potential returns as long as the market reacts the way we hope it does moving forward. It's really important I do let you know that by changing the investments within the portfolio, there are CDT consequences. I've got that in this table here for you.\n\nSo it does show that by making the changes there, the expected CDT consequences of tax your funds will pay is about $2,032 for the changes.\n\nChannel 1: Yep.\n\nChannel 0: But we're also saving you an investment fee. So by enable by making these changes to your portfolio, it's seeing greater growth. There are other CDT consequences, but we can sort of see that we're saving about $728 for the first year in investment fees as well. So that's\n\nChannel 1: Yeah.\n\nChannel 0: the benefit and the\n\nChannel 1: Alright.\n\nChannel 0: bonus for\n\nChannel 1: So what\n\nChannel 0: you.\n\nChannel 1: does that mean? It's tax time?\n\nChannel 0: It basically means that your super fund's gonna do a tax return for you, and they'll have to pay capital gains tax of $2,032, but it doesn't affect you in any way, shape, or form. Yeah. All good. It's actually kinda funny. A lot of people don't realize that your super fund, the trustees in your fund, they actually do a tax return every year for you for your super.\n\nSo your super has pays incomes and capital gains tax on a yearly basis. You just don't see it because it's not something you have to sign off on.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, that happens automatically every year.\n\nChannel 1: Oh,\n\nChannel 0: This\n\nChannel 1: that's\n\nChannel 0: will\n\nChannel 1: good.\n\nChannel 0: happen\n\nChannel 1: Yep.\n\nChannel 0: as well. We just have to let you know that there\n\nChannel 1: Yeah.\n\nChannel 0: are,\n\nChannel 1: That's\n\nChannel 0: obviously,\n\nChannel 1: fine.\n\nChannel 0: the expected tax consequences there for you.\n\nChannel 1: Yep.\n\nChannel 0: But the benefits of this is that the the investment fees within the fund, by making these changes, we expect to save you $728 for the first year on investment fees. So it's a little\n\nChannel 1: Yep.\n\nChannel 0: bit cheaper on fees for you, which\n\nChannel 1: Yeah.\n\nChannel 0: is important.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. All good.\n\nChannel 1: No worries. Alright.\n\nChannel 0: I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000. With\n\nChannel 1: Yes.\n\nChannel 0: your balance the way it is, you could honestly end up in that sort of direction over the next sort of five to six years,\n\nChannel 1: Yes.\n\nChannel 0: But it really just depends upon what the market does, but you will see a bit of a projection in there for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: All in. No worries.\n\nChannel 0: Perfect.\n\nChannel 1: Sounds good.\n\nChannel 0: With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope. You still got over ten years to go. So\n\nChannel 1: Yes.\n\nChannel 0: there can be some changes, and I wanna kinda keep you on track. But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals. So we sort of talked about drawing down regular income of about 35,000 on a yearly basis there.\n\nChannel 1: Yes.\n\nChannel 0: Essentially,\n\nChannel 1: Yep.\n\nChannel 0: this is almost keeping you on track and having super last to about age 91. So you can draw certainly more money out than what we can sort of see with regards to this. It just means that the super doesn't last as long.\n\nChannel 1: It's on\n\nChannel 0: But\n\nChannel 1: Madison.\n\nChannel 0: given, yeah, but given when we get closer to it, one of the things I'll also factor in is the age pension side of things. So when we get closer, we can talk more about your level. Given your current circumstances,\n\nChannel 1: Yep.\n\nChannel 0: it looks like you should be eligible for a bit of age pension around age seven as well, which means\n\nChannel 1: Yep.\n\nChannel 0: we can draw a little bit less out of super and give you longevity down down the way as well. But I'll keep you updated.\n\nChannel 1: That's\n\nChannel 0: We'll\n\nChannel 1: fine.\n\nChannel 0: keep reviewing\n\nChannel 1: Yep.\n\nChannel 0: this and keep you on track there. Okay?\n\nChannel 1: Yep. Yes. Sounds good.\n\nChannel 0: Perfect. I do have the strategy in there with regard to the sales back as well. It kinda shows you I've essentially the difference in the tax consequences between your current position to the idea of salary sacrificing. It does kinda provide you with the benefit of paying a little bit less\n\nChannel 1: Yep.\n\nChannel 0: income tax, which is a benefit to you. However, the disadvantage of salary sacrificing is that your take home pay is a little bit less as well because that\n\nChannel 1: Yes.\n\nChannel 0: $50 per week is going into\n\nChannel 1: Yep.\n\nChannel 0: super. But when I sort of look at it, the the advantage of being able to want more money into super and have it invested outweighs that additional of not of\n\nChannel 1: Absolutely.\n\nChannel 0: not having that in\n\nChannel 1: Yep.\n\nChannel 0: your take home pay. Okay.\n\nChannel 1: Thank you.\n\nChannel 0: All good.\n\nChannel 1: Hold on.\n\nChannel 0: Well, the other side of that is just the beneficiary side of things. So I will make sure your beneficiaries are up to date. I am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse. That way,\n\nChannel 1: Yep.\n\nChannel 0: if anything does happen, she gets a 100% of the benefit there paid out to her. And I\n\nChannel 1: Yep.\n\nChannel 0: will sort of let everyone know to let their spouse know that you are that I am your financial adviser, that if anything was to happen to call me and I can help her with the claim just\n\nChannel 1: Okay.\n\nChannel 0: to make sure things are done along. I know it's, you know, when your times where your spouse has passed, it can be a really difficult time frame.\n\nChannel 1: Yeah.\n\nChannel 0: So it's important to make sure that she's aware of where your super is, that you do have a benefit that she can claim on it, and we'll help you with the beneficiary nominations as well.\n\nChannel 1: Yep.\n\nChannel 0: It's\n\nChannel 1: Not\n\nChannel 0: the hardest part of getting someone to witness it for you.\n\nChannel 1: yet.\n\nChannel 0: Yeah. The only other thing to kinda go through with you is, obviously, there's no sorry. Insurance recommendations. This advice has been provided. There's no implementation fees payable.\n\nBut the\n\nChannel 1: Yep.\n\nChannel 0: last couple of years, we have been providing our services and looking after everything and not charging an ongoing service fee. So I am gonna turn the ongoing service fee back on. It\n\nChannel 1: Yep.\n\nChannel 0: is 1.65% per annum, and it's deducted in smaller monthly increments. So I've accounted for that as part of the projection. We're working harder towards your goals,\n\nChannel 1: Yep.\n\nChannel 0: and the ongoing service fee doesn't have a huge impact on that.\n\nChannel 1: Alright.\n\nChannel 0: But it just means that we're getting\n\nChannel 1: Yeah.\n\nChannel 0: paid for our services. We're looking\n\nChannel 1: That's\n\nChannel 0: after\n\nChannel 1: fair\n\nChannel 0: things,\n\nChannel 1: enough.\n\nChannel 0: and and\n\nChannel 1: K.\n\nChannel 0: we'll keep updating the advice. I'll keep looking after you and working towards your goals.\n\nChannel 1: Yeah.\n\nChannel 0: But you'll see in there the ongoing service fee and what that looks like and, essentially, how that works. But one of the big things about our fee is that it is\n\nChannel 1: Yeah.\n\nChannel 0: percentage based, so it fluctuates with the market. So when the market is doing really well, it tells me that our ongoing service fee is gonna be a little bit higher. However, when the market does pay take a bit of a dip there, the amount we're gonna receive is slightly lower as well. So\n\nChannel 1: Right. Yeah.\n\nChannel 0: I just wanted to be open and honest\n\nChannel 1: Yeah.\n\nChannel 0: with you\n\nChannel 1: That's\n\nChannel 0: and let\n\nChannel 1: fine.\n\nChannel 0: you know\n\nChannel 1: Yep.\n\nChannel 0: I do wanna turn that on to keep monitoring things and looking after you.\n\nChannel 1: Yep.\n\nChannel 0: But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: All good.\n\nChannel 1: Okay.\n\nChannel 0: I know it's a lot, and I'm so sorry.\n\nChannel 1: That's alright.\n\nChannel 0: I will email this through to you now so you can also have a bit of a look at it. If\n\nChannel 1: Yep.\n\nChannel 0: you have any questions, Glenn, you're welcome to let me know.\n\nChannel 1: Yep.\n\nChannel 0: If you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And then my team will start by essentially completing the investment switch in the account. So you'll\n\nChannel 1: Alright.\n\nChannel 0: see us buying and selling in the back end, which will be really cool in rebalancing everything for you. We'll then give you the salary sacrifice letter to give to your employer, and we'll help with the beneficiary nominations to be a nice easy implementation process.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Do you have any questions for me?\n\nChannel 1: No.\n\nChannel 0: I'm\n\nChannel 1: That's\n\nChannel 0: so\n\nChannel 1: all.\n\nChannel 0: sorry.\n\nChannel 1: No.\n\nChannel 0: It\n\nChannel 1: No.\n\nChannel 0: it's\n\nChannel 1: That's\n\nChannel 0: a lot\n\nChannel 1: fine.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: kinda\n\nChannel 1: all.\n\nChannel 0: go through.\n\nChannel 1: No. I think you've everything's fine. It's pretty self self explanatory. So\n\nChannel 0: Oh,\n\nChannel 1: I'll get them forms, and\n\nChannel 0: beautiful.\n\nChannel 1: I'll send them out and send them on. Send it through.\n\nChannel 0: You're a legend. Thank you\n\nChannel 1: Lovely.\n\nChannel 0: so much. I will\n\nChannel 1: Thanks,\n\nChannel 0: let you\n\nChannel 1: Dana.\n\nChannel 0: go to enjoy your afternoon. I'll\n\nChannel 1: You\n\nChannel 0: send\n\nChannel 1: too.\n\nChannel 0: this to you now. If you have any questions, you let me know. Okay?\n\nChannel 1: Not a problem. Thanks very much.\n\nChannel 0: No worries. Enjoy\n\nChannel 1: Okay.\n\nChannel 0: your afternoon.\n\nChannel 1: Yeah.\n\nChannel 0: Thanks,\n\nChannel 1: You too.\n\nChannel 0: Glenn.\n\nChannel 1: Thanks, Jonah. Bye.\n\nChannel 0: See\n\nChannel 1: Bye.\n\nChannel 0: you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.018262963742017743}],"sentiment":"neutral","sentiment_score":0.018262963742017743,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Glenn.","start":2.08,"end":2.72,"sentiment":"neutral","sentiment_score":0.11326339840888977},{"text":"It's Dana from Oakey Financial.","start":2.72,"end":4.48,"sentiment":"neutral","sentiment_score":0.1919396460056305},{"text":"How are you this afternoon?","start":4.48,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.20991102755069732}],"sentiment":"neutral","sentiment_score":0.1863150137166182,"channel":0,"num_words":12,"start":2.08,"end":5.8599997},{"sentences":[{"text":"Good day.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.3831975609064102},{"text":"How are you?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.28826412558555603}],"sentiment":"neutral","sentiment_score":0.3262374997138977,"channel":1,"num_words":5,"start":6.08,"end":7.22},{"sentences":[{"text":"I'm very well.","start":7.44,"end":8.4,"sentiment":"positive","sentiment_score":0.5845627784729004},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.705926239490509},{"text":"I had an updated advice document to go through with you this afternoon.","start":8.8,"end":12.16,"sentiment":"positive","sentiment_score":0.3725538689356584},{"text":"Is now still a good time there for you?","start":12.16,"end":14.179999,"sentiment":"neutral","sentiment_score":0.29125241604116225}],"sentiment":"positive","sentiment_score":0.39370417981236067,"channel":0,"num_words":27,"start":7.44,"end":14.179999},{"sentences":[{"text":"Yeah.","start":14.08,"end":14.32,"sentiment":"neutral","sentiment_score":0.11554880440235138},{"text":"That's fine.","start":14.32,"end":15.059999,"sentiment":"neutral","sentiment_score":0.17928948998451233}],"sentiment":"neutral","sentiment_score":0.15804259479045868,"channel":1,"num_words":3,"start":14.08,"end":15.059999},{"sentences":[{"text":"Yep.","start":15.434999,"end":15.834999,"sentiment":"neutral","sentiment_score":0.20723645389080048},{"text":"Fantastic.","start":15.834999,"end":16.335,"sentiment":"positive","sentiment_score":0.43300214409828186},{"text":"Do you happen to have access to your emails?","start":16.395,"end":18.314999,"sentiment":"neutral","sentiment_score":0.0733411775694953},{"text":"If you don't, that's","start":18.314999,"end":19.035,"sentiment":"neutral","sentiment_score":-0.027415654622018337}],"sentiment":"neutral","sentiment_score":0.07937643850843111,"channel":0,"num_words":15,"start":15.434999,"end":19.035},{"sentences":[{"text":"No.","start":19.025,"end":19.265,"sentiment":"neutral","sentiment_score":-0.1335386484861374}],"sentiment":"neutral","sentiment_score":-0.1335386484861374,"channel":1,"num_words":1,"start":19.025,"end":19.265},{"sentences":[{"text":"absolutely","start":19.035,"end":19.535,"sentiment":"neutral","sentiment_score":-0.2240118831396103}],"sentiment":"neutral","sentiment_score":-0.2240118831396103,"channel":0,"num_words":1,"start":19.035,"end":19.535},{"sentences":[{"text":"I don't.","start":19.265,"end":19.585,"sentiment":"neutral","sentiment_score":-0.19801238179206848},{"text":"It's","start":19.585,"end":20.085,"sentiment":"neutral","sentiment_score":-0.04165511578321457}],"sentiment":"neutral","sentiment_score":-0.1458932931224505,"channel":1,"num_words":3,"start":19.265,"end":20.085},{"sentences":[{"text":"okay.","start":19.595,"end":20.095,"sentiment":"neutral","sentiment_score":-0.018404269590973858}],"sentiment":"neutral","sentiment_score":-0.018404269590973858,"channel":0,"num_words":1,"start":19.595,"end":20.095},{"sentences":[{"text":"yeah.","start":20.385,"end":20.705,"sentiment":"neutral","sentiment_score":-0.009370200335979462}],"sentiment":"neutral","sentiment_score":-0.009370200335979462,"channel":1,"num_words":1,"start":20.385,"end":20.705},{"sentences":[{"text":"Sorry.","start":20.634998,"end":21.134998,"sentiment":"neutral","sentiment_score":-0.01885927841067314}],"sentiment":"neutral","sentiment_score":-0.01885927841067314,"channel":0,"num_words":1,"start":20.634998,"end":21.134998},{"sentences":[{"text":"I I I can get it on the phone.","start":20.705,"end":22.564999,"sentiment":"neutral","sentiment_score":0.01939683821466234}],"sentiment":"neutral","sentiment_score":0.01939683821466234,"channel":1,"num_words":9,"start":20.705,"end":22.564999},{"sentences":[{"text":"Yeah.","start":22.794998,"end":23.115,"sentiment":"neutral","sentiment_score":0.047814156860113144},{"text":"That's okay.","start":23.115,"end":23.835,"sentiment":"neutral","sentiment_score":0.07141990587115288},{"text":"Did you want me to send that one through so you can have a look","start":23.835,"end":26.075,"sentiment":"neutral","sentiment_score":0.03161735484997431}],"sentiment":"neutral","sentiment_score":0.03693968285289076,"channel":0,"num_words":18,"start":22.794998,"end":26.075},{"sentences":[{"text":"Yep.","start":25.985,"end":26.485,"sentiment":"neutral","sentiment_score":0.02705729566514492}],"sentiment":"neutral","sentiment_score":0.02705729566514492,"channel":1,"num_words":1,"start":25.985,"end":26.485},{"sentences":[{"text":"at it, or did you","start":26.075,"end":26.715,"sentiment":"neutral","sentiment_score":0.01752649750560522}],"sentiment":"neutral","sentiment_score":0.01752649750560522,"channel":0,"num_words":5,"start":26.075,"end":26.715},{"sentences":[{"text":"Yep.","start":26.705,"end":27.205,"sentiment":"neutral","sentiment_score":0.010464414954185486}],"sentiment":"neutral","sentiment_score":0.010464414954185486,"channel":1,"num_words":1,"start":26.705,"end":27.205},{"sentences":[{"text":"want me just to kinda run through it?","start":26.715,"end":28.235,"sentiment":"neutral","sentiment_score":0.01258221734315157},{"text":"Yeah?","start":28.235,"end":28.634998,"sentiment":"neutral","sentiment_score":0.02215590327978134}],"sentiment":"neutral","sentiment_score":0.013645960224999322,"channel":0,"num_words":9,"start":26.715,"end":28.634998},{"sentences":[{"text":"I just","start":28.384998,"end":28.705,"sentiment":"neutral","sentiment_score":0.0763978622853756}],"sentiment":"neutral","sentiment_score":0.0763978622853756,"channel":1,"num_words":2,"start":28.384998,"end":28.705},{"sentences":[{"text":"Perfect.","start":28.634998,"end":29.134998,"sentiment":"neutral","sentiment_score":0.1818062514066696}],"sentiment":"neutral","sentiment_score":0.1818062514066696,"channel":0,"num_words":1,"start":28.634998,"end":29.134998},{"sentences":[{"text":"got through it.","start":28.705,"end":29.265,"sentiment":"neutral","sentiment_score":0.20121084650357565},{"text":"That's fine.","start":29.265,"end":30.005,"sentiment":"neutral","sentiment_score":0.16403038054704666}],"sentiment":"neutral","sentiment_score":0.18633866012096406,"channel":1,"num_words":5,"start":28.705,"end":30.005},{"sentences":[{"text":"Yeah.","start":30.199999,"end":30.519999,"sentiment":"neutral","sentiment_score":0.09046103060245514},{"text":"That's okay.","start":30.519999,"end":31.08,"sentiment":"neutral","sentiment_score":0.09548904746770859},{"text":"Well, what I'll do is I'll send this one out after the call.","start":31.08,"end":33.739998,"sentiment":"neutral","sentiment_score":0.03298691774790104},{"text":"I know we sort of spoke late last year, and I do apologize for the time it's taken to get this together.","start":33.96,"end":38.379997,"sentiment":"neutral","sentiment_score":-0.09747689759189432},{"text":"I've just been extremely busy.","start":38.84,"end":40.54,"sentiment":"neutral","sentiment_score":-0.17331377863883973}],"sentiment":"neutral","sentiment_score":-0.053506781022215996,"channel":0,"num_words":43,"start":30.199999,"end":40.54},{"sentences":[{"text":"I've got some updated advice.","start":41.64,"end":43.395,"sentiment":"neutral","sentiment_score":-0.010066288709640502},{"text":"We sort of had a look and wanted to go through things and update everything for you, and there's been some","start":43.475002,"end":47.715,"sentiment":"neutral","sentiment_score":0.02980120364753973}],"sentiment":"neutral","sentiment_score":0.02213437819423584,"channel":0,"num_words":26,"start":41.64,"end":47.715},{"sentences":[{"text":"Yep.","start":47.565002,"end":48.065002,"sentiment":"neutral","sentiment_score":-0.011433763429522514}],"sentiment":"neutral","sentiment_score":-0.011433763429522514,"channel":1,"num_words":1,"start":47.565002,"end":48.065002},{"sentences":[{"text":"changes that I wanted to recently update.","start":47.715,"end":49.795,"sentiment":"neutral","sentiment_score":-0.030921909692031995},{"text":"This is why I've kinda gone back and redone it.","start":49.795,"end":52.375,"sentiment":"neutral","sentiment_score":-0.044463041424751285}],"sentiment":"neutral","sentiment_score":-0.03888728129951393,"channel":0,"num_words":17,"start":47.715,"end":52.375},{"sentences":[{"text":"Yep.","start":52.445,"end":52.945,"sentiment":"neutral","sentiment_score":0.02208210527896881}],"sentiment":"neutral","sentiment_score":0.02208210527896881,"channel":1,"num_words":1,"start":52.445,"end":52.945},{"sentences":[{"text":"Just before we jump into the call there, I do need to let you know, moving forward, we do record our calls for quality and training purposes.","start":52.835,"end":59.489998,"sentiment":"neutral","sentiment_score":0.04869943022452019},{"text":"Are you happy for me to proceed with that?","start":59.489998,"end":61.59,"sentiment":"neutral","sentiment_score":0.09595924119154613}],"sentiment":"neutral","sentiment_score":0.060514382966276675,"channel":0,"num_words":36,"start":52.835,"end":61.59},{"sentences":[{"text":"Yeah.","start":61.140003,"end":61.300003,"sentiment":"neutral","sentiment_score":0.032559581100940704},{"text":"That's the one.","start":61.300003,"end":61.86,"sentiment":"neutral","sentiment_score":0.04961986094713211},{"text":"Yep.","start":61.86,"end":62.100002,"sentiment":"neutral","sentiment_score":0.06497803330421448},{"text":"No worries.","start":62.100002,"end":62.760002,"sentiment":"neutral","sentiment_score":0.09474901854991913}],"sentiment":"neutral","sentiment_score":0.062270747763769965,"channel":1,"num_words":7,"start":61.140003,"end":62.760002},{"sentences":[{"text":"Yep.","start":62.37,"end":62.87,"sentiment":"neutral","sentiment_score":0.1311814785003662},{"text":"Beautiful.","start":63.01,"end":63.489998,"sentiment":"neutral","sentiment_score":0.3280393183231354},{"text":"And I do need to do security there with you as well.","start":63.489998,"end":65.57,"sentiment":"neutral","sentiment_score":0.10274444427341223},{"text":"We are discussing your personal information.","start":65.57,"end":67.409996,"sentiment":"neutral","sentiment_score":0.058925570299228035}],"sentiment":"neutral","sentiment_score":0.10228537749499082,"channel":0,"num_words":20,"start":62.37,"end":67.409996},{"sentences":[{"text":"Yep.","start":67.3,"end":67.8,"sentiment":"neutral","sentiment_score":0.052476219832897186}],"sentiment":"neutral","sentiment_score":0.052476219832897186,"channel":1,"num_words":1,"start":67.3,"end":67.8},{"sentences":[{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":67.409996,"end":71.51,"sentiment":"neutral","sentiment_score":0.06568445917218924}],"sentiment":"neutral","sentiment_score":0.06568445917218924,"channel":0,"num_words":20,"start":67.409996,"end":71.51},{"sentences":[{"text":"Glenn Andrew Bynum.","start":71.825,"end":72.945,"sentiment":"neutral","sentiment_score":0.012904167796174685},{"text":"Twenty third.","start":72.945,"end":73.84499,"sentiment":"neutral","sentiment_score":0.004014703910797834},{"text":"Excuse me.","start":75.505,"end":76.945,"sentiment":"neutral","sentiment_score":-0.004580165958032012},{"text":"10 Centurion,","start":76.945,"end":77.765,"sentiment":"neutral","sentiment_score":0.00793565483763814}],"sentiment":"neutral","sentiment_score":0.0059392098854813315,"channel":1,"num_words":9,"start":71.825,"end":77.765},{"sentences":[{"text":"Yeah.","start":77.585,"end":78.085,"sentiment":"neutral","sentiment_score":0.013239113613963127}],"sentiment":"neutral","sentiment_score":0.013239113613963127,"channel":0,"num_words":1,"start":77.585,"end":78.085},{"sentences":[{"text":"Traitamore, New South Wales 2714.","start":78.064995,"end":80.884995,"sentiment":"neutral","sentiment_score":0.019986772537231447}],"sentiment":"neutral","sentiment_score":0.019986772537231447,"channel":1,"num_words":5,"start":78.064995,"end":80.884995},{"sentences":[{"text":"Perfect.","start":81.105,"end":81.605,"sentiment":"neutral","sentiment_score":0.2659500539302826},{"text":"Thank you so much for that.","start":81.665,"end":83.265,"sentiment":"positive","sentiment_score":0.38726967573165894},{"text":"How's your day been?","start":83.265,"end":84.145004,"sentiment":"neutral","sentiment_score":0.12998483143746853},{"text":"I know you've been working some long hours recently.","start":84.145004,"end":86.325005,"sentiment":"neutral","sentiment_score":-0.04336479182044665},{"text":"How's","start":86.385,"end":86.785,"sentiment":"neutral","sentiment_score":-0.02385674975812435}],"sentiment":"neutral","sentiment_score":0.12835083609180792,"channel":0,"num_words":21,"start":81.105,"end":86.785},{"sentences":[{"text":"Yeah.","start":86.64,"end":86.96,"sentiment":"neutral","sentiment_score":-0.025998972356319427}],"sentiment":"neutral","sentiment_score":-0.025998972356319427,"channel":1,"num_words":1,"start":86.64,"end":86.96},{"sentences":[{"text":"today","start":86.785,"end":87.265,"sentiment":"neutral","sentiment_score":-0.04454126954078674}],"sentiment":"neutral","sentiment_score":-0.04454126954078674,"channel":0,"num_words":1,"start":86.785,"end":87.265},{"sentences":[{"text":"It's","start":86.96,"end":87.46,"sentiment":"neutral","sentiment_score":-0.11570030450820924}],"sentiment":"neutral","sentiment_score":-0.11570030450820924,"channel":1,"num_words":1,"start":86.96,"end":87.46},{"sentences":[{"text":"gone?","start":87.265,"end":87.72,"sentiment":"neutral","sentiment_score":-0.11488376557826996}],"sentiment":"neutral","sentiment_score":-0.11488376557826996,"channel":0,"num_words":1,"start":87.265,"end":87.72},{"sentences":[{"text":"wet.","start":88.4,"end":88.72,"sentiment":"neutral","sentiment_score":-0.15521284937858582},{"text":"It rained all day.","start":88.72,"end":90.020004,"sentiment":"neutral","sentiment_score":-0.16293855011463165}],"sentiment":"neutral","sentiment_score":-0.1613934099674225,"channel":1,"num_words":5,"start":88.4,"end":90.020004},{"sentences":[{"text":"Yeah.","start":90.44,"end":90.94,"sentiment":"neutral","sentiment_score":0.060841940343379974}],"sentiment":"neutral","sentiment_score":0.060841940343379974,"channel":0,"num_words":1,"start":90.44,"end":90.94},{"sentences":[{"text":"So","start":91.200005,"end":91.700005,"sentiment":"neutral","sentiment_score":0.050750426948070526}],"sentiment":"neutral","sentiment_score":0.050750426948070526,"channel":1,"num_words":1,"start":91.200005,"end":91.700005},{"sentences":[{"text":"Wow.","start":91.24,"end":91.74,"sentiment":"neutral","sentiment_score":0.14224013686180115}],"sentiment":"neutral","sentiment_score":0.14224013686180115,"channel":0,"num_words":1,"start":91.24,"end":91.74},{"sentences":[{"text":"we need the rain.","start":91.76,"end":92.82,"sentiment":"neutral","sentiment_score":0.06378149054944515}],"sentiment":"neutral","sentiment_score":0.06378149054944515,"channel":1,"num_words":4,"start":91.76,"end":92.82},{"sentences":[{"text":"Absolutely.","start":93.4,"end":93.9,"sentiment":"neutral","sentiment_score":0.3188925087451935}],"sentiment":"neutral","sentiment_score":0.3188925087451935,"channel":0,"num_words":1,"start":93.4,"end":93.9},{"sentences":[{"text":"Yep.","start":94.64,"end":95.14,"sentiment":"neutral","sentiment_score":0.22296802699565887}],"sentiment":"neutral","sentiment_score":0.22296802699565887,"channel":1,"num_words":1,"start":94.64,"end":95.14},{"sentences":[{"text":"Absolutely.","start":94.76,"end":95.26,"sentiment":"neutral","sentiment_score":0.32719090580940247},{"text":"And you're almost halfway through the week.","start":95.48,"end":97.5,"sentiment":"neutral","sentiment_score":0.20383239643914358}],"sentiment":"neutral","sentiment_score":0.21925221011042595,"channel":0,"num_words":8,"start":94.76,"end":97.5},{"sentences":[{"text":"Yep.","start":97.68,"end":98.08,"sentiment":"neutral","sentiment_score":0.22300800681114197},{"text":"Thank god.","start":98.08,"end":98.9,"sentiment":"positive","sentiment_score":0.5544263124465942}],"sentiment":"positive","sentiment_score":0.4439535439014435,"channel":1,"num_words":3,"start":97.68,"end":98.9},{"sentences":[{"text":"It's amazing.","start":99.72,"end":100.36,"sentiment":"positive","sentiment_score":0.6762002408504486},{"text":"We're already","start":100.36,"end":100.840004,"sentiment":"neutral","sentiment_score":0.22621142864227295}],"sentiment":"positive","sentiment_score":0.4512058347463608,"channel":0,"num_words":4,"start":99.72,"end":100.840004},{"sentences":[{"text":"Oh,","start":100.605,"end":101.105,"sentiment":"neutral","sentiment_score":0.04961024969816208}],"sentiment":"neutral","sentiment_score":0.04961024969816208,"channel":1,"num_words":1,"start":100.605,"end":101.105},{"sentences":[{"text":"in March.","start":100.840004,"end":101.32,"sentiment":"neutral","sentiment_score":0.017178690060973167},{"text":"This year is flying","start":101.32,"end":102.44,"sentiment":"neutral","sentiment_score":-0.14587274380028248}],"sentiment":"neutral","sentiment_score":-0.0915222658465306,"channel":0,"num_words":6,"start":100.840004,"end":102.44},{"sentences":[{"text":"no.","start":102.045006,"end":102.545006,"sentiment":"neutral","sentiment_score":-0.09922359138727188}],"sentiment":"neutral","sentiment_score":-0.09922359138727188,"channel":1,"num_words":1,"start":102.045006,"end":102.545006},{"sentences":[{"text":"by.","start":102.44,"end":102.68,"sentiment":"neutral","sentiment_score":-0.09275076538324356},{"text":"It's","start":102.68,"end":102.945,"sentiment":"neutral","sentiment_score":-0.05679507181048393}],"sentiment":"neutral","sentiment_score":-0.07477291859686375,"channel":0,"num_words":2,"start":102.44,"end":102.945},{"sentences":[{"text":"It's crazy.","start":102.685005,"end":103.425,"sentiment":"neutral","sentiment_score":-0.0901283472776413}],"sentiment":"neutral","sentiment_score":-0.0901283472776413,"channel":1,"num_words":2,"start":102.685005,"end":103.425},{"sentences":[{"text":"crazy, isn't it?","start":103.185,"end":104.325,"sentiment":"neutral","sentiment_score":-0.00030217568079630763}],"sentiment":"neutral","sentiment_score":-0.00030217568079630763,"channel":0,"num_words":3,"start":103.185,"end":104.325},{"sentences":[{"text":"Yep.","start":104.445,"end":104.945,"sentiment":"neutral","sentiment_score":0.12419459223747252}],"sentiment":"neutral","sentiment_score":0.12419459223747252,"channel":1,"num_words":1,"start":104.445,"end":104.945},{"sentences":[{"text":"All good.","start":105.745,"end":106.565,"sentiment":"neutral","sentiment_score":0.31048277020454407},{"text":"Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there.","start":106.625,"end":111.465,"sentiment":"neutral","sentiment_score":0.07024699377898987},{"text":"It takes take a lot of it in.","start":111.465,"end":113.345,"sentiment":"neutral","sentiment_score":0.06595866614952683},{"text":"Essentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial.","start":113.345,"end":119.590004,"sentiment":"neutral","sentiment_score":0.12741397764711154},{"text":"My adviser registration number through ASIC is 1304394.","start":120.13,"end":125.03,"sentiment":"neutral","sentiment_score":0.06496000196784735}],"sentiment":"neutral","sentiment_score":0.09492969621832555,"channel":0,"num_words":65,"start":105.745,"end":125.03},{"sentences":[{"text":"Okay?","start":125.17,"end":125.67,"sentiment":"neutral","sentiment_score":0.064287468791008}],"sentiment":"neutral","sentiment_score":0.064287468791008,"channel":0,"num_words":1,"start":125.17,"end":125.67},{"sentences":[{"text":"Yep.","start":126.05,"end":126.55,"sentiment":"neutral","sentiment_score":0.10601263493299484}],"sentiment":"neutral","sentiment_score":0.10601263493299484,"channel":1,"num_words":1,"start":126.05,"end":126.55},{"sentences":[{"text":"The advice we have for bearing has been provided in your best interest, so we always make sure we're going through the details of updating your circumstances, looking at your goals so that we are working towards your goals moving forward.","start":126.29,"end":136.945,"sentiment":"neutral","sentiment_score":0.15841941008480584},{"text":"Okay?","start":137.005,"end":137.505,"sentiment":"neutral","sentiment_score":0.06660746783018112}],"sentiment":"neutral","sentiment_score":0.15623341145969571,"channel":0,"num_words":42,"start":126.29,"end":137.505},{"sentences":[{"text":"Yes.","start":137.77501,"end":138.27501,"sentiment":"neutral","sentiment_score":0.05966557562351227}],"sentiment":"neutral","sentiment_score":0.05966557562351227,"channel":1,"num_words":1,"start":137.77501,"end":138.27501},{"sentences":[{"text":"With the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you.","start":139.085,"end":147.87999,"sentiment":"neutral","sentiment_score":0.03657435970928739},{"text":"At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week.","start":148.01999,"end":155.37999,"sentiment":"neutral","sentiment_score":0.03655830564509545},{"text":"Does that still sound fairly accurate","start":155.37999,"end":157.14,"sentiment":"neutral","sentiment_score":0.027739703344802063}],"sentiment":"neutral","sentiment_score":0.035788220709518474,"channel":0,"num_words":68,"start":139.085,"end":157.14},{"sentences":[{"text":"Yep.","start":157.08499,"end":157.58499,"sentiment":"neutral","sentiment_score":0.02011849358677864}],"sentiment":"neutral","sentiment_score":0.02011849358677864,"channel":1,"num_words":1,"start":157.08499,"end":157.58499},{"sentences":[{"text":"for where you're at at the moment?","start":157.14,"end":158.59999,"sentiment":"neutral","sentiment_score":0.002626125534464206}],"sentiment":"neutral","sentiment_score":0.002626125534464206,"channel":0,"num_words":7,"start":157.14,"end":158.59999},{"sentences":[{"text":"Yeah.","start":158.845,"end":159.08499,"sentiment":"neutral","sentiment_score":0.04088589549064636},{"text":"That's fine.","start":159.08499,"end":159.905,"sentiment":"neutral","sentiment_score":0.09187370911240578}],"sentiment":"neutral","sentiment_score":0.07487777123848598,"channel":1,"num_words":3,"start":158.845,"end":159.905},{"sentences":[{"text":"Yeah.","start":160.395,"end":160.715,"sentiment":"neutral","sentiment_score":0.13224288821220398},{"text":"Beautiful.","start":160.715,"end":161.215,"sentiment":"neutral","sentiment_score":0.29279443621635437},{"text":"You are comfortable about looking looking at whether you needed to maybe start making additional contributions to Super to","start":161.675,"end":167.195,"sentiment":"neutral","sentiment_score":0.1394989937543869}],"sentiment":"neutral","sentiment_score":0.14645324789342426,"channel":0,"num_words":21,"start":160.395,"end":167.195},{"sentences":[{"text":"Yeah.","start":167.08499,"end":167.58499,"sentiment":"neutral","sentiment_score":0.11595959216356276}],"sentiment":"neutral","sentiment_score":0.11595959216356276,"channel":1,"num_words":1,"start":167.08499,"end":167.58499},{"sentences":[{"text":"sort of help you along to meet that goal, and I've had a really good look, and I've made a recommendation there for you.","start":167.195,"end":172.575,"sentiment":"neutral","sentiment_score":0.2674917032321294},{"text":"Okay?","start":172.635,"end":173.135,"sentiment":"neutral","sentiment_score":0.11270029842853546},{"text":"With the estate planning side of things, I had a really good look, and it looks like we don't have a beneficiary nominal no nomination on file for your super there at the moment.","start":174.62999,"end":182.54999,"sentiment":"neutral","sentiment_score":0.08468629469108932},{"text":"So","start":182.54999,"end":182.79,"sentiment":"neutral","sentiment_score":0.08062605559825897}],"sentiment":"neutral","sentiment_score":0.15820768751824896,"channel":0,"num_words":60,"start":167.195,"end":182.79},{"sentences":[{"text":"Yep.","start":182.595,"end":183.095,"sentiment":"neutral","sentiment_score":0.131179079413414}],"sentiment":"neutral","sentiment_score":0.131179079413414,"channel":1,"num_words":1,"start":182.595,"end":183.095},{"sentences":[{"text":"I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most","start":182.79,"end":196.53499,"sentiment":"neutral","sentiment_score":0.20510262806041568}],"sentiment":"neutral","sentiment_score":0.20510262806041568,"channel":0,"num_words":51,"start":182.79,"end":196.53499},{"sentences":[{"text":"Yeah.","start":196.05,"end":196.55,"sentiment":"neutral","sentiment_score":0.2100169062614441}],"sentiment":"neutral","sentiment_score":0.2100169062614441,"channel":1,"num_words":1,"start":196.05,"end":196.55},{"sentences":[{"text":"effective way for you.","start":196.59499,"end":198.215,"sentiment":"neutral","sentiment_score":0.2550710625946522}],"sentiment":"neutral","sentiment_score":0.2550710625946522,"channel":0,"num_words":4,"start":196.59499,"end":198.215},{"sentences":[{"text":"Okay.","start":197.81,"end":198.13,"sentiment":"neutral","sentiment_score":0.0729418396949768},{"text":"We all thought I've already done that.","start":198.13,"end":199.75,"sentiment":"neutral","sentiment_score":0.046610441990196705}],"sentiment":"neutral","sentiment_score":0.04990186670329422,"channel":1,"num_words":8,"start":197.81,"end":199.75},{"sentences":[{"text":"It looks like and I had a look on file, and I can't see one applied.","start":199.96999,"end":203.18999,"sentiment":"neutral","sentiment_score":-0.0006136150332167745},{"text":"So we will make sure that","start":203.25,"end":204.53,"sentiment":"neutral","sentiment_score":0.08930014198025067}],"sentiment":"neutral","sentiment_score":0.023908318697728893,"channel":0,"num_words":22,"start":199.96999,"end":204.53},{"sentences":[{"text":"Yep.","start":204.53,"end":205.03,"sentiment":"neutral","sentiment_score":0.1124901920557022}],"sentiment":"neutral","sentiment_score":0.1124901920557022,"channel":1,"num_words":1,"start":204.53,"end":205.03},{"sentences":[{"text":"is updated for you.","start":204.53,"end":205.89,"sentiment":"neutral","sentiment_score":0.1323921587318182},{"text":"Okay?","start":205.89,"end":206.39,"sentiment":"neutral","sentiment_score":0.06332176923751831},{"text":"All","start":207.32999,"end":207.56999,"sentiment":"neutral","sentiment_score":0.2928257882595062}],"sentiment":"neutral","sentiment_score":0.14761936540404955,"channel":0,"num_words":6,"start":204.53,"end":207.56999},{"sentences":[{"text":"Yep.","start":207.49,"end":207.99,"sentiment":"positive","sentiment_score":0.3571484088897705}],"sentiment":"positive","sentiment_score":0.3571484088897705,"channel":1,"num_words":1,"start":207.49,"end":207.99},{"sentences":[{"text":"good.","start":207.56999,"end":208.06999,"sentiment":"positive","sentiment_score":0.541091799736023},{"text":"I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super.","start":208.60999,"end":214.185,"sentiment":"positive","sentiment_score":0.3486448965138859},{"text":"I wanted to make sure that you kind of get a bit of an idea of where we're heading, where we're tracking for at the moment with regard to that.","start":214.185,"end":219.625,"sentiment":"neutral","sentiment_score":0.2460367848475774}],"sentiment":"neutral","sentiment_score":0.2897510914778223,"channel":0,"num_words":49,"start":207.56999,"end":219.625},{"sentences":[{"text":"Yep.","start":219.465,"end":219.965,"sentiment":"neutral","sentiment_score":0.24964389204978943}],"sentiment":"neutral","sentiment_score":0.24964389204978943,"channel":1,"num_words":1,"start":219.465,"end":219.965},{"sentences":[{"text":"You're in your fifties, so you are getting closer to those retirement years.","start":219.625,"end":223.165,"sentiment":"neutral","sentiment_score":0.2770788875909952},{"text":"So not only","start":223.465,"end":224.185,"sentiment":"neutral","sentiment_score":0.24090264240900675}],"sentiment":"neutral","sentiment_score":0.27029584161937237,"channel":0,"num_words":16,"start":219.625,"end":224.185},{"sentences":[{"text":"Yep.","start":223.945,"end":224.4,"sentiment":"neutral","sentiment_score":0.29072171449661255}],"sentiment":"neutral","sentiment_score":0.29072171449661255,"channel":1,"num_words":1,"start":223.945,"end":224.4},{"sentences":[{"text":"just looking at super, but kinda showing you what we're on track for based on the recommendations there.","start":224.185,"end":229.12,"sentiment":"positive","sentiment_score":0.3341934035221736}],"sentiment":"positive","sentiment_score":0.3341934035221736,"channel":0,"num_words":18,"start":224.185,"end":229.12},{"sentences":[{"text":"Got","start":229.12,"end":229.36,"sentiment":"neutral","sentiment_score":0.13388489186763763}],"sentiment":"neutral","sentiment_score":0.13388489186763763,"channel":1,"num_words":1,"start":229.12,"end":229.36},{"sentences":[{"text":"Okay?","start":229.12,"end":229.62,"sentiment":"neutral","sentiment_score":0.12429886311292648}],"sentiment":"neutral","sentiment_score":0.12429886311292648,"channel":0,"num_words":1,"start":229.12,"end":229.62},{"sentences":[{"text":"it.","start":229.36,"end":229.86,"sentiment":"neutral","sentiment_score":0.09869902580976486}],"sentiment":"neutral","sentiment_score":0.09869902580976486,"channel":1,"num_words":1,"start":229.36,"end":229.86},{"sentences":[{"text":"One of the things we also did talk about was the insurance side of things.","start":230.72,"end":234.48,"sentiment":"neutral","sentiment_score":-0.08077400997281074},{"text":"So we did you did want me to go back and see if I was able to get any cover for you.","start":234.48,"end":239.46,"sentiment":"neutral","sentiment_score":-0.14824165505441753},{"text":"I did go back and look and do a lot of research and a lot of willing and dealing with regard to the insurance side of things.","start":239.56,"end":245.725,"sentiment":"neutral","sentiment_score":-0.09450791279474895},{"text":"Because you had a TPD claim back a while ago, it was gonna be difficult.","start":245.725,"end":249.985,"sentiment":"negative","sentiment_score":-0.40293707450230914}],"sentiment":"neutral","sentiment_score":-0.16542653574407856,"channel":0,"num_words":79,"start":230.72,"end":249.985},{"sentences":[{"text":"Yeah.","start":250.095,"end":250.175,"sentiment":"neutral","sentiment_score":-0.17721164226531982},{"text":"Yeah.","start":250.175,"end":250.575,"sentiment":"neutral","sentiment_score":-0.15775486826896667},{"text":"I'll maybe","start":250.575,"end":251.13501,"sentiment":"neutral","sentiment_score":-0.1531408727169037}],"sentiment":"neutral","sentiment_score":-0.16031206399202347,"channel":1,"num_words":4,"start":250.095,"end":251.13501},{"sentences":[{"text":"I did","start":250.765,"end":251.16501,"sentiment":"neutral","sentiment_score":-0.10709618777036665}],"sentiment":"neutral","sentiment_score":-0.10709618777036665,"channel":0,"num_words":2,"start":250.765,"end":251.16501},{"sentences":[{"text":"mention","start":251.13501,"end":251.455,"sentiment":"neutral","sentiment_score":-0.10327912867069244}],"sentiment":"neutral","sentiment_score":-0.10327912867069244,"channel":1,"num_words":1,"start":251.13501,"end":251.455},{"sentences":[{"text":"speak","start":251.16501,"end":251.245,"sentiment":"neutral","sentiment_score":-0.13932225108146667}],"sentiment":"neutral","sentiment_score":-0.13932225108146667,"channel":0,"num_words":1,"start":251.16501,"end":251.245},{"sentences":[{"text":"that.","start":251.455,"end":251.955,"sentiment":"neutral","sentiment_score":-0.1311144232749939}],"sentiment":"neutral","sentiment_score":-0.1311144232749939,"channel":1,"num_words":1,"start":251.455,"end":251.955},{"sentences":[{"text":"yeah.","start":252.365,"end":252.765,"sentiment":"neutral","sentiment_score":-0.13385456800460815},{"text":"I did speak to the insurers, and because of the reason for the TPD claim, which was the lung cancer diagnosis, they actually","start":252.765,"end":260.1,"sentiment":"neutral","sentiment_score":-0.2466476485133171}],"sentiment":"neutral","sentiment_score":-0.24194793682545424,"channel":0,"num_words":24,"start":252.365,"end":260.1},{"sentences":[{"text":"Yep.","start":260.04,"end":260.54,"sentiment":"negative","sentiment_score":-0.33855924010276794}],"sentiment":"negative","sentiment_score":-0.33855924010276794,"channel":1,"num_words":1,"start":260.04,"end":260.54},{"sentences":[{"text":"come back saying they're not willing to offer any cover at all.","start":260.1,"end":262.82,"sentiment":"negative","sentiment_score":-0.4952552020549774},{"text":"We are not even able to get life or trauma at the moment.","start":262.82,"end":265.72,"sentiment":"negative","sentiment_score":-0.5609550453149356},{"text":"So what","start":265.86,"end":266.82,"sentiment":"neutral","sentiment_score":-0.16442399471998215}],"sentiment":"negative","sentiment_score":-0.5023824445627354,"channel":0,"num_words":27,"start":260.1,"end":266.82},{"sentences":[{"text":"Okay.","start":266.76,"end":267.26,"sentiment":"neutral","sentiment_score":-0.008895039558410645}],"sentiment":"neutral","sentiment_score":-0.008895039558410645,"channel":1,"num_words":1,"start":266.76,"end":267.26},{"sentences":[{"text":"I've wanted to do we tried.","start":266.82,"end":268.66,"sentiment":"neutral","sentiment_score":0.12139426249389847},{"text":"We we gave it our best shot.","start":268.66,"end":270.165,"sentiment":"neutral","sentiment_score":0.22535163164138794}],"sentiment":"neutral","sentiment_score":0.17737130741946971,"channel":0,"num_words":13,"start":266.82,"end":270.165},{"sentences":[{"text":"Yep.","start":270.615,"end":271.115,"sentiment":"neutral","sentiment_score":0.1618066132068634}],"sentiment":"neutral","sentiment_score":0.1618066132068634,"channel":1,"num_words":1,"start":270.615,"end":271.115},{"sentences":[{"text":"So it does mean that we are not able to make a recommendation, and we're not able to meet your insurance goal.","start":271.36502,"end":276.165,"sentiment":"neutral","sentiment_score":-0.17720909484408118},{"text":"However, because you are in your fifties, I wanted to put a bit more focus into your super.","start":276.165,"end":280.885,"sentiment":"neutral","sentiment_score":0.12608949260579216},{"text":"Let's boost your super to kind","start":280.885,"end":282.72,"sentiment":"positive","sentiment_score":0.5244298577308655}],"sentiment":"neutral","sentiment_score":0.03299108536347099,"channel":0,"num_words":46,"start":271.36502,"end":282.72},{"sentences":[{"text":"Yep.","start":282.69498,"end":283.19498,"sentiment":"positive","sentiment_score":0.4326889514923096}],"sentiment":"positive","sentiment_score":0.4326889514923096,"channel":1,"num_words":1,"start":282.69498,"end":283.19498},{"sentences":[{"text":"of close that gap.","start":282.72,"end":283.75998,"sentiment":"neutral","sentiment_score":0.29131630808115005},{"text":"So if anything happens from the age of 60 onwards, you're able to access your super.","start":283.75998,"end":288.74,"sentiment":"positive","sentiment_score":0.34163488633930683}],"sentiment":"neutral","sentiment_score":0.3315711706876755,"channel":0,"num_words":20,"start":282.72,"end":288.74},{"sentences":[{"text":"Okay.","start":289.16,"end":289.28,"sentiment":"neutral","sentiment_score":0.142450213432312},{"text":"I","start":289.28,"end":289.4,"sentiment":"neutral","sentiment_score":0.05601036176085472}],"sentiment":"neutral","sentiment_score":0.09923028759658337,"channel":1,"num_words":2,"start":289.16,"end":289.4},{"sentences":[{"text":"Even","start":289.28,"end":289.75998,"sentiment":"neutral","sentiment_score":0.08900292217731476}],"sentiment":"neutral","sentiment_score":0.08900292217731476,"channel":0,"num_words":1,"start":289.28,"end":289.75998},{"sentences":[{"text":"see it.","start":289.4,"end":290.06,"sentiment":"neutral","sentiment_score":0.006964447908103466}],"sentiment":"neutral","sentiment_score":0.006964447908103466,"channel":1,"num_words":2,"start":289.4,"end":290.06},{"sentences":[{"text":"before the age of 60, say, if something was to happen to you and you were to, you know, have to claim PPD and you could get the doctors to sign off on that, then we","start":289.75998,"end":298.345,"sentiment":"neutral","sentiment_score":-0.22281197810338604}],"sentiment":"neutral","sentiment_score":-0.22281197810338604,"channel":0,"num_words":36,"start":289.75998,"end":298.345},{"sentences":[{"text":"Yep.","start":298.28,"end":298.78,"sentiment":"neutral","sentiment_score":-0.2666190564632416}],"sentiment":"neutral","sentiment_score":-0.2666190564632416,"channel":1,"num_words":1,"start":298.28,"end":298.78},{"sentences":[{"text":"also can claim permanent incapacity against your super.","start":298.345,"end":301.545,"sentiment":"negative","sentiment_score":-0.4112589806318283},{"text":"So","start":301.545,"end":302.045,"sentiment":"neutral","sentiment_score":-0.20139113068580627}],"sentiment":"negative","sentiment_score":-0.38794033063782585,"channel":0,"num_words":9,"start":298.345,"end":302.045},{"sentences":[{"text":"Yeah.","start":302.01498,"end":302.51498,"sentiment":"neutral","sentiment_score":-0.22070248425006864}],"sentiment":"neutral","sentiment_score":-0.22070248425006864,"channel":1,"num_words":1,"start":302.01498,"end":302.51498},{"sentences":[{"text":"there's it's it's still leaving a bit of a gap there, but there are things that we can do down the track.","start":302.345,"end":306.98502,"sentiment":"neutral","sentiment_score":-0.21225593171336435},{"text":"So I wanted to be open and honest there, and I figured since we can't get the insurance, if we're not able to meet that","start":306.98502,"end":312.15002,"sentiment":"neutral","sentiment_score":-0.11592713475227356}],"sentiment":"neutral","sentiment_score":-0.1610172099255501,"channel":0,"num_words":47,"start":302.345,"end":312.15002},{"sentences":[{"text":"Yeah.","start":312.1,"end":312.6,"sentiment":"neutral","sentiment_score":0.18200436234474185}],"sentiment":"neutral","sentiment_score":0.18200436234474185,"channel":1,"num_words":1,"start":312.1,"end":312.6},{"sentences":[{"text":"goal, let's focus on Super and try to build that as much as we possibly","start":312.15002,"end":315.59,"sentiment":"positive","sentiment_score":0.47486966649691265}],"sentiment":"positive","sentiment_score":0.47486966649691265,"channel":0,"num_words":15,"start":312.15002,"end":315.59},{"sentences":[{"text":"Yep.","start":315.46002,"end":315.96002,"sentiment":"neutral","sentiment_score":0.31403377652168274}],"sentiment":"neutral","sentiment_score":0.31403377652168274,"channel":1,"num_words":1,"start":315.46002,"end":315.96002},{"sentences":[{"text":"can.","start":315.59,"end":316.07,"sentiment":"neutral","sentiment_score":0.2256186455488205},{"text":"Okay?","start":316.07,"end":316.57,"sentiment":"neutral","sentiment_score":0.06510686129331589}],"sentiment":"neutral","sentiment_score":0.1453627534210682,"channel":0,"num_words":2,"start":315.59,"end":316.57},{"sentences":[{"text":"With certain gun protection, is that something I'd probably should do sort of privately myself if I wanted","start":316.18002,"end":321.46002,"sentiment":"neutral","sentiment_score":-0.031917358852095075}],"sentiment":"neutral","sentiment_score":-0.031917358852095075,"channel":1,"num_words":18,"start":316.18002,"end":321.46002},{"sentences":[{"text":"With","start":321.35,"end":321.85,"sentiment":"neutral","sentiment_score":-0.02356785535812378}],"sentiment":"neutral","sentiment_score":-0.02356785535812378,"channel":0,"num_words":1,"start":321.35,"end":321.85},{"sentences":[{"text":"to?","start":321.46002,"end":321.96002,"sentiment":"neutral","sentiment_score":-0.023942705243825912}],"sentiment":"neutral","sentiment_score":-0.023942705243825912,"channel":1,"num_words":1,"start":321.46002,"end":321.96002},{"sentences":[{"text":"income protection,","start":322.23,"end":323.13,"sentiment":"neutral","sentiment_score":-0.059308722615242004}],"sentiment":"neutral","sentiment_score":-0.059308722615242004,"channel":0,"num_words":2,"start":322.23,"end":323.13},{"sentences":[{"text":"Yeah.","start":323.54,"end":324.04,"sentiment":"neutral","sentiment_score":-0.09493307769298552}],"sentiment":"neutral","sentiment_score":-0.09493307769298552,"channel":1,"num_words":1,"start":323.54,"end":324.04},{"sentences":[{"text":"you can try, but it is gonna be very, very difficult because you do have to disclose you've had a d a TPD claim in the past.","start":324.585,"end":331.065,"sentiment":"neutral","sentiment_score":-0.3011513644898379},{"text":"They're gonna wanna understand why that claim occurred.","start":331.065,"end":333.805,"sentiment":"negative","sentiment_score":-0.33805834129452705}],"sentiment":"neutral","sentiment_score":-0.3095872449023383,"channel":0,"num_words":35,"start":324.585,"end":333.805},{"sentences":[{"text":"Yeah.","start":333.83502,"end":334.155,"sentiment":"negative","sentiment_score":-0.3518536686897278},{"text":"Fair","start":334.155,"end":334.655,"sentiment":"negative","sentiment_score":-0.5278093814849854}],"sentiment":"negative","sentiment_score":-0.43983152508735657,"channel":1,"num_words":2,"start":333.83502,"end":334.655},{"sentences":[{"text":"Disability and income protection is gonna be very difficult.","start":334.26498,"end":337.245,"sentiment":"negative","sentiment_score":-0.5302181210782793}],"sentiment":"negative","sentiment_score":-0.5302181210782793,"channel":0,"num_words":9,"start":334.26498,"end":337.245},{"sentences":[{"text":"enough.","start":336.795,"end":337.295,"sentiment":"neutral","sentiment_score":-0.14972150325775146},{"text":"Yep.","start":337.67502,"end":338.17502,"sentiment":"neutral","sentiment_score":-0.015889031812548637}],"sentiment":"neutral","sentiment_score":-0.08280526753515005,"channel":1,"num_words":2,"start":336.795,"end":338.17502},{"sentences":[{"text":"In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net.","start":338.03,"end":351.49503,"sentiment":"neutral","sentiment_score":0.10466761543200566},{"text":"If you wanted","start":351.49503,"end":352.39502,"sentiment":"neutral","sentiment_score":0.1375717173020045}],"sentiment":"neutral","sentiment_score":0.10646238462491468,"channel":0,"num_words":55,"start":338.03,"end":352.39502},{"sentences":[{"text":"Yep.","start":351.90997,"end":352.365,"sentiment":"neutral","sentiment_score":0.11372002214193344}],"sentiment":"neutral","sentiment_score":0.11372002214193344,"channel":1,"num_words":1,"start":351.90997,"end":352.365},{"sentences":[{"text":"advice in other areas, because I'm a full licensed adviser, if you wanted maybe cash flow and budgeting advice to help build a savings account to give you, like, a safety net in the event that you're not working and need","start":352.61502,"end":362.82,"sentiment":"neutral","sentiment_score":0.18605190969821883}],"sentiment":"neutral","sentiment_score":0.18605190969821883,"channel":0,"num_words":41,"start":352.61502,"end":362.82},{"sentences":[{"text":"Yep.","start":362.60498,"end":363.10498,"sentiment":"neutral","sentiment_score":0.17383790016174316}],"sentiment":"neutral","sentiment_score":0.17383790016174316,"channel":1,"num_words":1,"start":362.60498,"end":363.10498},{"sentences":[{"text":"a bit of, you know, an emergency fund to fall back on if you wanted to look at investing outside of super and building wealth in other areas there.","start":362.98,"end":370.84,"sentiment":"neutral","sentiment_score":0.17265232267050906}],"sentiment":"neutral","sentiment_score":0.17265232267050906,"channel":0,"num_words":29,"start":362.98,"end":370.84},{"sentences":[{"text":"Yeah.","start":370.69,"end":371.19,"sentiment":"neutral","sentiment_score":0.2959480285644531}],"sentiment":"neutral","sentiment_score":0.2959480285644531,"channel":1,"num_words":1,"start":370.69,"end":371.19},{"sentences":[{"text":"I can help and provide advice on those.","start":370.98,"end":373.32,"sentiment":"neutral","sentiment_score":0.3214292600750923},{"text":"And, I mean, when it comes, yeah, but when it comes to insurances, we kind of look at that as sort of the be on end or as the protection if something was to happen.","start":373.46002,"end":381.735,"sentiment":"neutral","sentiment_score":0.06297495311924389}],"sentiment":"neutral","sentiment_score":0.11105947534358779,"channel":0,"num_words":43,"start":370.98,"end":381.735},{"sentences":[{"text":"Yes.","start":382.075,"end":382.575,"sentiment":"neutral","sentiment_score":-0.02025839127600193}],"sentiment":"neutral","sentiment_score":-0.02025839127600193,"channel":1,"num_words":1,"start":382.075,"end":382.575},{"sentences":[{"text":"But at the end of the day, insurances only provide a certain level of cover that can still be a gap involved.","start":382.115,"end":387.555,"sentiment":"neutral","sentiment_score":-0.12459828670729291},{"text":"So whilst we're not able to get cover, we can look at building wealth and closing the gap in other ways for you, whether it be building savings in in a bank account somewhere or whether we're looking at investing down the track as well.","start":387.555,"end":399.37997,"sentiment":"neutral","sentiment_score":0.0837198983463976},{"text":"So if","start":399.37997,"end":400.09998,"sentiment":"neutral","sentiment_score":0.09247035533189774}],"sentiment":"neutral","sentiment_score":0.017553243894076,"channel":0,"num_words":69,"start":382.115,"end":400.09998},{"sentences":[{"text":"Yep.","start":400.02,"end":400.52,"sentiment":"neutral","sentiment_score":0.11803102493286131}],"sentiment":"neutral","sentiment_score":0.11803102493286131,"channel":1,"num_words":1,"start":400.02,"end":400.52},{"sentences":[{"text":"it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those","start":400.09998,"end":404.69498,"sentiment":"neutral","sentiment_score":0.1362087449857167}],"sentiment":"neutral","sentiment_score":0.1362087449857167,"channel":0,"num_words":21,"start":400.09998,"end":404.69498},{"sentences":[{"text":"Yep.","start":404.58,"end":404.74,"sentiment":"neutral","sentiment_score":0.09018848836421968}],"sentiment":"neutral","sentiment_score":0.09018848836421968,"channel":1,"num_words":1,"start":404.58,"end":404.74},{"sentences":[{"text":"sorts","start":404.69498,"end":404.85498,"sentiment":"neutral","sentiment_score":0.02464093640446663}],"sentiment":"neutral","sentiment_score":0.02464093640446663,"channel":0,"num_words":1,"start":404.69498,"end":404.85498},{"sentences":[{"text":"That","start":404.74,"end":404.97998,"sentiment":"neutral","sentiment_score":0.1720184087753296}],"sentiment":"neutral","sentiment_score":0.1720184087753296,"channel":1,"num_words":1,"start":404.74,"end":404.97998},{"sentences":[{"text":"of","start":404.85498,"end":405.01498,"sentiment":"neutral","sentiment_score":0.2013190984725952}],"sentiment":"neutral","sentiment_score":0.2013190984725952,"channel":0,"num_words":1,"start":404.85498,"end":405.01498},{"sentences":[{"text":"sounds","start":404.97998,"end":405.37997,"sentiment":"neutral","sentiment_score":0.22797581553459167}],"sentiment":"neutral","sentiment_score":0.22797581553459167,"channel":1,"num_words":1,"start":404.97998,"end":405.37997},{"sentences":[{"text":"options","start":405.01498,"end":405.495,"sentiment":"neutral","sentiment_score":0.2124535441398621}],"sentiment":"neutral","sentiment_score":0.2124535441398621,"channel":0,"num_words":1,"start":405.01498,"end":405.495},{"sentences":[{"text":"good.","start":405.37997,"end":405.87997,"sentiment":"positive","sentiment_score":0.38485804200172424}],"sentiment":"positive","sentiment_score":0.38485804200172424,"channel":1,"num_words":1,"start":405.37997,"end":405.87997},{"sentences":[{"text":"for you.","start":405.495,"end":406.215,"sentiment":"neutral","sentiment_score":0.2890591621398926},{"text":"Okay?","start":406.215,"end":406.715,"sentiment":"neutral","sentiment_score":0.27887576818466187},{"text":"Perfect.","start":407.655,"end":408.155,"sentiment":"positive","sentiment_score":0.598425030708313},{"text":"I'll jump sort of into the recommendations.","start":409.01498,"end":410.875,"sentiment":"neutral","sentiment_score":0.24349559843540192},{"text":"Now as you are going through this document when you are seeing it there, have a double check of your assets and liabilities.","start":411.09497,"end":416.235,"sentiment":"neutral","sentiment_score":0.1014404445886612}],"sentiment":"neutral","sentiment_score":0.16155936875764063,"channel":0,"num_words":34,"start":405.495,"end":416.235},{"sentences":[{"text":"We have things noted, like your boat, your caravandy contents, and your Nissan Navara","start":416.4,"end":420.47998,"sentiment":"neutral","sentiment_score":0.08930327849728721}],"sentiment":"neutral","sentiment_score":0.08930327849728721,"channel":0,"num_words":14,"start":416.4,"end":420.47998},{"sentences":[{"text":"Yep.","start":420.115,"end":420.615,"sentiment":"neutral","sentiment_score":0.06495112180709839}],"sentiment":"neutral","sentiment_score":0.06495112180709839,"channel":1,"num_words":1,"start":420.115,"end":420.615},{"sentences":[{"text":"there","start":420.47998,"end":420.96,"sentiment":"neutral","sentiment_score":0.05664122849702835}],"sentiment":"neutral","sentiment_score":0.05664122849702835,"channel":0,"num_words":1,"start":420.47998,"end":420.96},{"sentences":[{"text":"Yep.","start":420.915,"end":421.415,"sentiment":"neutral","sentiment_score":0.05718100070953369}],"sentiment":"neutral","sentiment_score":0.05718100070953369,"channel":1,"num_words":1,"start":420.915,"end":421.415},{"sentences":[{"text":"with the current values we had noted.","start":420.96,"end":423.04,"sentiment":"neutral","sentiment_score":0.05538171636206763},{"text":"If you find there are changes, please do let me know.","start":423.04,"end":425.6,"sentiment":"neutral","sentiment_score":0.010411658070304176},{"text":"I can update everything in the back end.","start":425.6,"end":427.62,"sentiment":"neutral","sentiment_score":0.0812673601321876},{"text":"The good news is no changes to those affect the advice in any way at the moment.","start":427.68,"end":432.015,"sentiment":"neutral","sentiment_score":0.1046166222761659}],"sentiment":"neutral","sentiment_score":0.06815864448977071,"channel":0,"num_words":43,"start":420.96,"end":432.015},{"sentences":[{"text":"Oh, that's","start":431.81003,"end":432.45,"sentiment":"neutral","sentiment_score":0.15819109231233597}],"sentiment":"neutral","sentiment_score":0.15819109231233597,"channel":1,"num_words":2,"start":431.81003,"end":432.45},{"sentences":[{"text":"Okay.","start":432.17502,"end":432.67502,"sentiment":"neutral","sentiment_score":0.21375548839569092}],"sentiment":"neutral","sentiment_score":0.21375548839569092,"channel":0,"num_words":1,"start":432.17502,"end":432.67502},{"sentences":[{"text":"good.","start":432.45,"end":432.93002,"sentiment":"positive","sentiment_score":0.333344966173172},{"text":"Yep.","start":432.93002,"end":433.43002,"sentiment":"neutral","sentiment_score":0.21627867221832275}],"sentiment":"neutral","sentiment_score":0.2748118191957474,"channel":1,"num_words":2,"start":432.45,"end":433.43002},{"sentences":[{"text":"Yeah.","start":433.295,"end":433.795,"sentiment":"neutral","sentiment_score":0.29892125725746155},{"text":"All good.","start":434.17502,"end":434.915,"sentiment":"positive","sentiment_score":0.4480910897254944},{"text":"Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account.","start":435.535,"end":442.755,"sentiment":"neutral","sentiment_score":0.16625523405230563},{"text":"Hub","start":443.05502,"end":443.375,"sentiment":"positive","sentiment_score":0.5252910256385803}],"sentiment":"neutral","sentiment_score":0.20534314242778,"channel":0,"num_words":27,"start":433.295,"end":443.375},{"sentences":[{"text":"Yep.","start":443.155,"end":443.655,"sentiment":"positive","sentiment_score":0.4969762563705444}],"sentiment":"positive","sentiment_score":0.4969762563705444,"channel":1,"num_words":1,"start":443.155,"end":443.655},{"sentences":[{"text":"24 has been a great platform.","start":443.375,"end":444.975,"sentiment":"positive","sentiment_score":0.6758582691351572},{"text":"It is working really well there for you, and there are no major changes to the platform that require us to move on out.","start":444.975,"end":450.78,"sentiment":"positive","sentiment_score":0.43292251757035655}],"sentiment":"positive","sentiment_score":0.48150966788331667,"channel":0,"num_words":30,"start":443.375,"end":450.78},{"sentences":[{"text":"Yep.","start":451.12,"end":451.62,"sentiment":"neutral","sentiment_score":0.08139901608228683}],"sentiment":"neutral","sentiment_score":0.08139901608228683,"channel":1,"num_words":1,"start":451.12,"end":451.62},{"sentences":[{"text":"I am obviously, because we don't have any insurances, we're not able to get any.","start":451.48,"end":455.4,"sentiment":"neutral","sentiment_score":-0.06257111504673958},{"text":"I am also recommending that you do commence a","start":455.4,"end":458.42502,"sentiment":"neutral","sentiment_score":0.12694451957941055}],"sentiment":"neutral","sentiment_score":0.008497247938066721,"channel":0,"num_words":24,"start":451.48,"end":458.42502},{"sentences":[{"text":"Yep.","start":458.4,"end":458.9,"sentiment":"neutral","sentiment_score":0.0766918733716011}],"sentiment":"neutral","sentiment_score":0.0766918733716011,"channel":1,"num_words":1,"start":458.4,"end":458.9},{"sentences":[{"text":"salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the","start":458.42502,"end":463.865,"sentiment":"neutral","sentiment_score":0.1181253669783473}],"sentiment":"neutral","sentiment_score":0.1181253669783473,"channel":0,"num_words":16,"start":458.42502,"end":463.865},{"sentences":[{"text":"Yep.","start":463.735,"end":464.235,"sentiment":"neutral","sentiment_score":0.07311588525772095}],"sentiment":"neutral","sentiment_score":0.07311588525772095,"channel":1,"num_words":1,"start":463.735,"end":464.235},{"sentences":[{"text":"super there.","start":463.865,"end":464.685,"sentiment":"neutral","sentiment_score":0.08792908862233162}],"sentiment":"neutral","sentiment_score":0.08792908862233162,"channel":0,"num_words":2,"start":463.865,"end":464.685},{"sentences":[{"text":"Sounds good.","start":464.375,"end":465.435,"sentiment":"neutral","sentiment_score":0.27598893642425537}],"sentiment":"neutral","sentiment_score":0.27598893642425537,"channel":1,"num_words":2,"start":464.375,"end":465.435},{"sentences":[{"text":"Sorry.","start":464.98502,"end":465.305,"sentiment":"neutral","sentiment_score":-0.03981102257966995},{"text":"$50 per week.","start":465.305,"end":466.265,"sentiment":"neutral","sentiment_score":-0.04737920189897219},{"text":"I do apologize.","start":466.265,"end":467.085,"sentiment":"neutral","sentiment_score":-0.11126248786846797}],"sentiment":"neutral","sentiment_score":-0.07367658455457006,"channel":0,"num_words":7,"start":464.98502,"end":467.085},{"sentences":[{"text":"Alright.","start":467.735,"end":468.235,"sentiment":"neutral","sentiment_score":0.0673535019159317}],"sentiment":"neutral","sentiment_score":0.0673535019159317,"channel":1,"num_words":1,"start":467.735,"end":468.235},{"sentences":[{"text":"Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super.","start":468.825,"end":474.9,"sentiment":"neutral","sentiment_score":0.24796912107955327},{"text":"You have a really good balance at the moment.","start":475.04,"end":476.96,"sentiment":"positive","sentiment_score":0.5392746958467696},{"text":"So when the advice was done up a few weeks ago, the balance in your current super was about 304,000 and","start":476.96,"end":483.84,"sentiment":"neutral","sentiment_score":0.18045888202530996}],"sentiment":"neutral","sentiment_score":0.27112364324812704,"channel":0,"num_words":52,"start":468.825,"end":483.84},{"sentences":[{"text":"Yep.","start":483.75,"end":484.25,"sentiment":"neutral","sentiment_score":0.07650503516197205}],"sentiment":"neutral","sentiment_score":0.07650503516197205,"channel":1,"num_words":1,"start":483.75,"end":484.25},{"sentences":[{"text":"73.","start":483.84,"end":484.74,"sentiment":"neutral","sentiment_score":-0.006723807193338871},{"text":"By increasing contributions in by that $50 on a weekly basis, you're adding after tax next to 2,210 into super on top of your employer pay contributions.","start":485.245,"end":494.785,"sentiment":"neutral","sentiment_score":0.22712186641163296},{"text":"So","start":495.165,"end":495.665,"sentiment":"neutral","sentiment_score":0.23035801947116852}],"sentiment":"neutral","sentiment_score":0.2191698139790317,"channel":0,"num_words":29,"start":483.84,"end":495.665},{"sentences":[{"text":"Okay.","start":495.335,"end":495.735,"sentiment":"positive","sentiment_score":0.3393353223800659}],"sentiment":"positive","sentiment_score":0.3393353223800659,"channel":1,"num_words":1,"start":495.335,"end":495.735},{"sentences":[{"text":"that","start":495.725,"end":495.965,"sentiment":"positive","sentiment_score":0.3653407692909241}],"sentiment":"positive","sentiment_score":0.3653407692909241,"channel":0,"num_words":1,"start":495.725,"end":495.965},{"sentences":[{"text":"Yep.","start":495.735,"end":496.235,"sentiment":"positive","sentiment_score":0.46530574560165405}],"sentiment":"positive","sentiment_score":0.46530574560165405,"channel":1,"num_words":1,"start":495.735,"end":496.235},{"sentences":[{"text":"can provide a bit more of a benefit for you down the track.","start":495.965,"end":498.765,"sentiment":"positive","sentiment_score":0.5692935631825373},{"text":"And instead","start":498.765,"end":499.245,"sentiment":"neutral","sentiment_score":0.2049974724650383}],"sentiment":"positive","sentiment_score":0.5207207510868709,"channel":0,"num_words":15,"start":495.965,"end":499.245},{"sentences":[{"text":"Tracking","start":498.935,"end":499.335,"sentiment":"neutral","sentiment_score":0.2276410162448883}],"sentiment":"neutral","sentiment_score":0.2276410162448883,"channel":1,"num_words":1,"start":498.935,"end":499.335},{"sentences":[{"text":"of","start":499.245,"end":499.405,"sentiment":"neutral","sentiment_score":0.1593998670578003}],"sentiment":"neutral","sentiment_score":0.1593998670578003,"channel":0,"num_words":1,"start":499.245,"end":499.405},{"sentences":[{"text":"it.","start":499.335,"end":499.57498,"sentiment":"neutral","sentiment_score":0.17963281273841858}],"sentiment":"neutral","sentiment_score":0.17963281273841858,"channel":1,"num_words":1,"start":499.335,"end":499.57498},{"sentences":[{"text":"having","start":499.405,"end":499.725,"sentiment":"neutral","sentiment_score":0.137761190533638}],"sentiment":"neutral","sentiment_score":0.137761190533638,"channel":0,"num_words":1,"start":499.405,"end":499.725},{"sentences":[{"text":"Yep.","start":499.57498,"end":500.07498,"sentiment":"neutral","sentiment_score":0.09792616218328476}],"sentiment":"neutral","sentiment_score":0.09792616218328476,"channel":1,"num_words":1,"start":499.57498,"end":500.07498},{"sentences":[{"text":"the, yeah, instead of having the money invested essentially in sorry.","start":499.725,"end":505.04,"sentiment":"neutral","sentiment_score":0.07372579655864021},{"text":"Instead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%.","start":505.04,"end":513.12,"sentiment":"neutral","sentiment_score":0.12216414198279381},{"text":"So","start":513.12,"end":513.525,"sentiment":"neutral","sentiment_score":0.124668151140213}],"sentiment":"neutral","sentiment_score":0.10783122872581354,"channel":0,"num_words":37,"start":499.725,"end":513.525},{"sentences":[{"text":"Alright.","start":513.44,"end":513.76,"sentiment":"neutral","sentiment_score":0.1734076589345932}],"sentiment":"neutral","sentiment_score":0.1734076589345932,"channel":1,"num_words":1,"start":513.44,"end":513.76},{"sentences":[{"text":"it is","start":513.525,"end":513.92505,"sentiment":"neutral","sentiment_score":0.18308299034833908}],"sentiment":"neutral","sentiment_score":0.18308299034833908,"channel":0,"num_words":2,"start":513.525,"end":513.92505},{"sentences":[{"text":"Yep.","start":513.76,"end":514.26,"sentiment":"neutral","sentiment_score":0.12023737281560898}],"sentiment":"neutral","sentiment_score":0.12023737281560898,"channel":1,"num_words":1,"start":513.76,"end":514.26},{"sentences":[{"text":"tax less than five people, so you have more invested there for you working","start":513.92505,"end":517.92505,"sentiment":"neutral","sentiment_score":0.16298264424715722}],"sentiment":"neutral","sentiment_score":0.16298264424715722,"channel":0,"num_words":14,"start":513.92505,"end":517.92505},{"sentences":[{"text":"Yep.","start":517.595,"end":518.095,"sentiment":"neutral","sentiment_score":0.05957611650228501}],"sentiment":"neutral","sentiment_score":0.05957611650228501,"channel":1,"num_words":1,"start":517.595,"end":518.095},{"sentences":[{"text":"harder.","start":517.92505,"end":518.42505,"sentiment":"neutral","sentiment_score":0.06583293527364731},{"text":"Okay?","start":518.645,"end":519.145,"sentiment":"neutral","sentiment_score":0.08744989335536957}],"sentiment":"neutral","sentiment_score":0.07664141431450844,"channel":0,"num_words":2,"start":517.92505,"end":519.145},{"sentences":[{"text":"Alright.","start":518.71497,"end":518.96497,"sentiment":"neutral","sentiment_score":0.18118464946746823},{"text":"Yep.","start":518.96497,"end":519.46497,"sentiment":"neutral","sentiment_score":0.29359567165374756}],"sentiment":"neutral","sentiment_score":0.2373901605606079,"channel":1,"num_words":2,"start":518.71497,"end":519.46497},{"sentences":[{"text":"Perfect.","start":519.36505,"end":519.86505,"sentiment":"positive","sentiment_score":0.6231961250305176},{"text":"One of the things you wanted to look at when we spoke last time was maybe moving into more of a high growth portfolio.","start":520.405,"end":525.465,"sentiment":"neutral","sentiment_score":0.13316754965732494},{"text":"You wanted to be able to take a little bit more risk in the market to see if you can get some greater potential returns there,","start":525.525,"end":530.72,"sentiment":"neutral","sentiment_score":0.1799650753919895}],"sentiment":"neutral","sentiment_score":0.16663351523525574,"channel":0,"num_words":51,"start":519.36505,"end":530.72},{"sentences":[{"text":"Yeah.","start":530.82,"end":531.32,"sentiment":"neutral","sentiment_score":0.13582906126976013}],"sentiment":"neutral","sentiment_score":0.13582906126976013,"channel":1,"num_words":1,"start":530.82,"end":531.32},{"sentences":[{"text":"we are recommending that we do move you into that higher growth environment for the time being.","start":531.34,"end":535.5,"sentiment":"neutral","sentiment_score":0.1581118146286291},{"text":"We can always pull back and make changes and reduce that down the track if you would like to or","start":535.5,"end":539.74,"sentiment":"neutral","sentiment_score":0.0925117578357458}],"sentiment":"neutral","sentiment_score":0.12265232447031382,"channel":0,"num_words":37,"start":531.34,"end":539.74},{"sentences":[{"text":"Yeah.","start":539.7,"end":540.02,"sentiment":"neutral","sentiment_score":-0.004755821079015732}],"sentiment":"neutral","sentiment_score":-0.004755821079015732,"channel":1,"num_words":1,"start":539.7,"end":540.02},{"sentences":[{"text":"if you","start":539.74,"end":540.06,"sentiment":"neutral","sentiment_score":-0.029952908866107464}],"sentiment":"neutral","sentiment_score":-0.029952908866107464,"channel":0,"num_words":2,"start":539.74,"end":540.06},{"sentences":[{"text":"Yeah.","start":540.02,"end":540.52,"sentiment":"neutral","sentiment_score":-0.08134941756725311}],"sentiment":"neutral","sentiment_score":-0.08134941756725311,"channel":1,"num_words":1,"start":540.02,"end":540.52},{"sentences":[{"text":"feel not comfortable with it.","start":540.06,"end":541.545,"sentiment":"neutral","sentiment_score":-0.2750461965799332},{"text":"But taking on a little bit more risk now can provide those greater potential returns.","start":542.02496,"end":545.70496,"sentiment":"neutral","sentiment_score":0.02950231060385704},{"text":"And because you're not wanting to access super until essentially the age of 65 there, you've got a bit more time.","start":545.70496,"end":551.305,"sentiment":"neutral","sentiment_score":0.002200520464352199},{"text":"You've got over ten years time horizon","start":551.305,"end":553.325,"sentiment":"neutral","sentiment_score":0.018678135770772184}],"sentiment":"neutral","sentiment_score":-0.015744550910312682,"channel":0,"num_words":48,"start":540.06,"end":553.325},{"sentences":[{"text":"Yeah.","start":553.745,"end":554.245,"sentiment":"neutral","sentiment_score":-0.0031374599784612656}],"sentiment":"neutral","sentiment_score":-0.0031374599784612656,"channel":1,"num_words":1,"start":553.745,"end":554.245},{"sentences":[{"text":"to take on and see if you can get your sleep and work a little bit harder for you.","start":554.04,"end":557.08,"sentiment":"neutral","sentiment_score":-0.015111371874809265},{"text":"So it's","start":557.08,"end":557.48,"sentiment":"neutral","sentiment_score":0.18663381040096283}],"sentiment":"neutral","sentiment_score":0.004102455008597602,"channel":0,"num_words":21,"start":554.04,"end":557.48},{"sentences":[{"text":"Yep.","start":557.38,"end":557.88,"sentiment":"neutral","sentiment_score":0.262066125869751}],"sentiment":"neutral","sentiment_score":0.262066125869751,"channel":1,"num_words":1,"start":557.38,"end":557.88},{"sentences":[{"text":"absolutely fine.","start":557.48,"end":558.62,"sentiment":"positive","sentiment_score":0.42016687989234924},{"text":"Okay?","start":558.68,"end":559.18,"sentiment":"neutral","sentiment_score":0.29867005348205566}],"sentiment":"positive","sentiment_score":0.3796679377555847,"channel":0,"num_words":3,"start":557.48,"end":559.18},{"sentences":[{"text":"Sound good.","start":559.62,"end":560.44,"sentiment":"positive","sentiment_score":0.4253854751586914}],"sentiment":"positive","sentiment_score":0.4253854751586914,"channel":1,"num_words":2,"start":559.62,"end":560.44},{"sentences":[{"text":"I had a really good look at the investments, and one of the reasons it did take a little bit longer to provide the advice was we've have sort of noticed that one of the investments within your portfolio has actually been underperforming.","start":560.68,"end":570.635,"sentiment":"neutral","sentiment_score":-0.27306102727388226},{"text":"So we've actually taken steps as part of this advice document to remove that.","start":570.935,"end":574.875,"sentiment":"neutral","sentiment_score":-0.26861812600067686}],"sentiment":"neutral","sentiment_score":-0.2719697883646739,"channel":0,"num_words":57,"start":560.68,"end":574.875},{"sentences":[{"text":"Okay.","start":575.09503,"end":575.59503,"sentiment":"neutral","sentiment_score":-0.23158028721809387}],"sentiment":"neutral","sentiment_score":-0.23158028721809387,"channel":1,"num_words":1,"start":575.09503,"end":575.59503},{"sentences":[{"text":"The Benelon Australian Equities, which was initially put in your portfolio as more of an actively managed fund, has been underperforming for the past couple of months.","start":575.815,"end":584.41,"sentiment":"negative","sentiment_score":-0.3383751740610158},{"text":"So as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no.","start":584.41,"end":589.61,"sentiment":"neutral","sentiment_score":-0.14302632638386317},{"text":"We wanna remove that out.","start":589.61,"end":590.81,"sentiment":"neutral","sentiment_score":-0.2086698442697525},{"text":"It's no longer seen as a quality investment to keep in super, and the","start":590.81,"end":595.325,"sentiment":"neutral","sentiment_score":-0.15271979623607226}],"sentiment":"neutral","sentiment_score":-0.2286732674979452,"channel":0,"num_words":67,"start":575.815,"end":595.325},{"sentences":[{"text":"Right.","start":595.26996,"end":595.51,"sentiment":"neutral","sentiment_score":-0.035935766994953156}],"sentiment":"neutral","sentiment_score":-0.035935766994953156,"channel":1,"num_words":1,"start":595.26996,"end":595.51},{"sentences":[{"text":"fact that it's","start":595.325,"end":595.805,"sentiment":"neutral","sentiment_score":-0.04929681122303009}],"sentiment":"neutral","sentiment_score":-0.04929681122303009,"channel":0,"num_words":3,"start":595.325,"end":595.805},{"sentences":[{"text":"Yeah.","start":595.51,"end":595.815,"sentiment":"neutral","sentiment_score":-0.1558625102043152}],"sentiment":"neutral","sentiment_score":-0.1558625102043152,"channel":1,"num_words":1,"start":595.51,"end":595.815},{"sentences":[{"text":"underperforming isn't giving you any advantages.","start":595.805,"end":598.225,"sentiment":"negative","sentiment_score":-0.4053342541058858},{"text":"So","start":598.525,"end":599.025,"sentiment":"neutral","sentiment_score":-0.10918790102005003}],"sentiment":"negative","sentiment_score":-0.3630276322364807,"channel":0,"num_words":7,"start":595.805,"end":599.025},{"sentences":[{"text":"Yep.","start":598.535,"end":599.035,"sentiment":"neutral","sentiment_score":-0.0510745607316494}],"sentiment":"neutral","sentiment_score":-0.0510745607316494,"channel":1,"num_words":1,"start":598.535,"end":599.035},{"sentences":[{"text":"we are removing Ben along out.","start":599.885,"end":602.145,"sentiment":"neutral","sentiment_score":-0.10793908685445786},{"text":"And so by putting you into that high growth environment, you'll see in the advice document all the investments that we have in there.","start":602.365,"end":610.28,"sentiment":"neutral","sentiment_score":0.05856745123552779},{"text":"We'll show you what we're selling and what we're gonna buy.","start":610.28,"end":612.94,"sentiment":"neutral","sentiment_score":0.09643168544227426}],"sentiment":"neutral","sentiment_score":0.044359337765632605,"channel":0,"num_words":41,"start":599.885,"end":612.94},{"sentences":[{"text":"Yes,","start":613.23004,"end":613.63,"sentiment":"neutral","sentiment_score":0.023618832230567932}],"sentiment":"neutral","sentiment_score":0.023618832230567932,"channel":1,"num_words":1,"start":613.23004,"end":613.63},{"sentences":[{"text":"But","start":613.48004,"end":613.72003,"sentiment":"neutral","sentiment_score":-0.007779058068990707}],"sentiment":"neutral","sentiment_score":-0.007779058068990707,"channel":0,"num_words":1,"start":613.48004,"end":613.72003},{"sentences":[{"text":"ma'am.","start":613.63,"end":614.13,"sentiment":"neutral","sentiment_score":-0.0008197426795959473}],"sentiment":"neutral","sentiment_score":-0.0008197426795959473,"channel":1,"num_words":1,"start":613.63,"end":614.13},{"sentences":[{"text":"we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids.","start":613.72003,"end":619.48004,"sentiment":"neutral","sentiment_score":-0.03523698942187954},{"text":"You had some bank hybrids in there, and they're more of a defensive investment.","start":619.48004,"end":622.905,"sentiment":"neutral","sentiment_score":-0.05456197275114911},{"text":"Over the course of the next couple of years, they are gonna be sort of phased out.","start":622.905,"end":627.06506,"sentiment":"neutral","sentiment_score":-0.14796852320432663},{"text":"So we","start":627.06506,"end":627.72504,"sentiment":"neutral","sentiment_score":0.012643195688724518}],"sentiment":"neutral","sentiment_score":-0.07706149883568286,"channel":0,"num_words":50,"start":613.72003,"end":627.72504},{"sentences":[{"text":"Yep.","start":627.695,"end":628.015,"sentiment":"neutral","sentiment_score":0.03800738602876663}],"sentiment":"neutral","sentiment_score":0.03800738602876663,"channel":1,"num_words":1,"start":627.695,"end":628.015},{"sentences":[{"text":"are taking the","start":627.78503,"end":628.10504,"sentiment":"neutral","sentiment_score":0.03263944139083227}],"sentiment":"neutral","sentiment_score":0.03263944139083227,"channel":0,"num_words":3,"start":627.78503,"end":628.10504},{"sentences":[{"text":"Fair","start":628.015,"end":628.255,"sentiment":"neutral","sentiment_score":-0.001345522701740265}],"sentiment":"neutral","sentiment_score":-0.001345522701740265,"channel":1,"num_words":1,"start":628.015,"end":628.255},{"sentences":[{"text":"steps","start":628.10504,"end":628.505,"sentiment":"neutral","sentiment_score":0.04586758464574814}],"sentiment":"neutral","sentiment_score":0.04586758464574814,"channel":0,"num_words":1,"start":628.10504,"end":628.505},{"sentences":[{"text":"enough.","start":628.255,"end":628.755,"sentiment":"neutral","sentiment_score":0.042725637555122375}],"sentiment":"neutral","sentiment_score":0.042725637555122375,"channel":1,"num_words":1,"start":628.255,"end":628.755},{"sentences":[{"text":"to remove that as well as the Benelon equities and put that money into something that has sort of shown a a little bit more of a return","start":628.505,"end":635.965,"sentiment":"neutral","sentiment_score":0.07535677363297769}],"sentiment":"neutral","sentiment_score":0.07535677363297769,"channel":0,"num_words":28,"start":628.505,"end":635.965},{"sentences":[{"text":"Yep.","start":636.335,"end":636.835,"sentiment":"neutral","sentiment_score":0.30228090286254883}],"sentiment":"neutral","sentiment_score":0.30228090286254883,"channel":1,"num_words":1,"start":636.335,"end":636.835},{"sentences":[{"text":"and can provide you a greater benefit over the next sort of ten odd years there.","start":636.36,"end":640.12,"sentiment":"neutral","sentiment_score":0.2623432786203921}],"sentiment":"neutral","sentiment_score":0.2623432786203921,"channel":0,"num_words":16,"start":636.36,"end":640.12},{"sentences":[{"text":"Yes.","start":640.12,"end":640.60004,"sentiment":"neutral","sentiment_score":0.1669681817293167}],"sentiment":"neutral","sentiment_score":0.1669681817293167,"channel":1,"num_words":1,"start":640.12,"end":640.60004},{"sentences":[{"text":"Okay?","start":640.12,"end":640.62,"sentiment":"neutral","sentiment_score":0.1060539036989212}],"sentiment":"neutral","sentiment_score":0.1060539036989212,"channel":0,"num_words":1,"start":640.12,"end":640.62},{"sentences":[{"text":"Yep.","start":640.60004,"end":641.10004,"sentiment":"neutral","sentiment_score":0.22635257244110107}],"sentiment":"neutral","sentiment_score":0.22635257244110107,"channel":1,"num_words":1,"start":640.60004,"end":641.10004},{"sentences":[{"text":"Perfect.","start":641.48,"end":641.98,"sentiment":"positive","sentiment_score":0.4233846068382263},{"text":"So within that high growth in portfolio, once we've completed the swap over and the changes and a bit of a rebalance on things, essentially, you'll have a bit of physical Global x physical gold in there.","start":642.6,"end":653.805,"sentiment":"neutral","sentiment_score":0.11889051454695496},{"text":"You'll have about 7%.","start":653.805,"end":655.32495,"sentiment":"neutral","sentiment_score":0.06971441023051739},{"text":"Gold has been doing gangbusters over the","start":655.32495,"end":657.485,"sentiment":"neutral","sentiment_score":0.022694222895162448}],"sentiment":"neutral","sentiment_score":0.10734797645436257,"channel":0,"num_words":49,"start":641.48,"end":657.485},{"sentences":[{"text":"Yeah.","start":657.46497,"end":657.70496,"sentiment":"neutral","sentiment_score":0.019732356071472168}],"sentiment":"neutral","sentiment_score":0.019732356071472168,"channel":1,"num_words":1,"start":657.46497,"end":657.70496},{"sentences":[{"text":"last year","start":657.485,"end":657.88495,"sentiment":"neutral","sentiment_score":0.016703222878277302}],"sentiment":"neutral","sentiment_score":0.016703222878277302,"channel":0,"num_words":2,"start":657.485,"end":657.88495},{"sentences":[{"text":"That's","start":657.70496,"end":658.105,"sentiment":"neutral","sentiment_score":0.1180928200483322}],"sentiment":"neutral","sentiment_score":0.1180928200483322,"channel":1,"num_words":1,"start":657.70496,"end":658.105},{"sentences":[{"text":"and","start":657.88495,"end":658.125,"sentiment":"neutral","sentiment_score":0.14362207055091858}],"sentiment":"neutral","sentiment_score":0.14362207055091858,"channel":0,"num_words":1,"start":657.88495,"end":658.125},{"sentences":[{"text":"right.","start":658.105,"end":658.605,"sentiment":"neutral","sentiment_score":0.1810263693332672}],"sentiment":"neutral","sentiment_score":0.1810263693332672,"channel":1,"num_words":1,"start":658.105,"end":658.605},{"sentences":[{"text":"continues to do well.","start":658.125,"end":659.505,"sentiment":"neutral","sentiment_score":0.29615233466029167},{"text":"It's more of an alternative investment, but it is seen as growth.","start":659.805,"end":662.76495,"sentiment":"neutral","sentiment_score":0.17725973824659982},{"text":"It does provide great growth and at times where equities aren't performing well come act defensively for your portfolio","start":662.76495,"end":668.71,"sentiment":"neutral","sentiment_score":0.23549472658257736}],"sentiment":"neutral","sentiment_score":0.22246074293340956,"channel":0,"num_words":35,"start":658.125,"end":668.71},{"sentences":[{"text":"Got it.","start":668.53,"end":668.85,"sentiment":"neutral","sentiment_score":0.1917446404695511},{"text":"Yeah.","start":668.85,"end":669.09,"sentiment":"neutral","sentiment_score":0.18132004141807556}],"sentiment":"neutral","sentiment_score":0.18826977411905924,"channel":1,"num_words":3,"start":668.53,"end":669.09},{"sentences":[{"text":"as well.","start":668.85004,"end":669.51,"sentiment":"neutral","sentiment_score":0.14272334426641464}],"sentiment":"neutral","sentiment_score":0.14272334426641464,"channel":0,"num_words":2,"start":668.85004,"end":669.51},{"sentences":[{"text":"Yep.","start":669.09,"end":669.59,"sentiment":"neutral","sentiment_score":0.1553703248500824}],"sentiment":"neutral","sentiment_score":0.1553703248500824,"channel":1,"num_words":1,"start":669.09,"end":669.59},{"sentences":[{"text":"You'll see a little bit of cybersecurity in there again about 7%.","start":670.61005,"end":674.21,"sentiment":"neutral","sentiment_score":0.15090871540208659},{"text":"This is sort of reaching out of branching into other areas to try and get greater potential returns.","start":674.21,"end":678.93,"sentiment":"neutral","sentiment_score":0.20749573823478487},{"text":"Cyber security is still quite a big area to be invested in.","start":678.93,"end":682.325,"sentiment":"neutral","sentiment_score":0.1247837779422601}],"sentiment":"neutral","sentiment_score":0.16769602877043543,"channel":0,"num_words":42,"start":670.61005,"end":682.325},{"sentences":[{"text":"Yeah.","start":681.975,"end":682.45496,"sentiment":"neutral","sentiment_score":0.1045122891664505},{"text":"Yep.","start":682.45496,"end":682.95496,"sentiment":"neutral","sentiment_score":0.03133826330304146}],"sentiment":"neutral","sentiment_score":0.06792527623474598,"channel":1,"num_words":2,"start":681.975,"end":682.95496},{"sentences":[{"text":"As much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there.","start":683.265,"end":693.925,"sentiment":"neutral","sentiment_score":-0.14685461602427743}],"sentiment":"neutral","sentiment_score":-0.14685461602427743,"channel":0,"num_words":33,"start":683.265,"end":693.925},{"sentences":[{"text":"Yes.","start":694.25,"end":694.75,"sentiment":"neutral","sentiment_score":0.116444431245327}],"sentiment":"neutral","sentiment_score":0.116444431245327,"channel":1,"num_words":1,"start":694.25,"end":694.75},{"sentences":[{"text":"They do it does go up and down, but when you look at how The US on international equities, especially US equities, have performed over the last thirty years, they have provided greater potential returns.","start":694.31,"end":704.73,"sentiment":"neutral","sentiment_score":0.1578639610537461},{"text":"With the investment that you're actually in at the moment is the S and P 500, so it tracks the top 500 companies in The US.","start":705.99,"end":713.005,"sentiment":"neutral","sentiment_score":0.19937504999912703},{"text":"And that essentially means that whilst you're tracking the top 500, in order to be in the the S and P 500 index, they actually the index actually meets the investment committee for the index actually meets every quarter, and they determine whether in whether companies in The US are allowed to omit the criteria to stay within the index there.","start":713.305,"end":732.79,"sentiment":"neutral","sentiment_score":0.06952739445889583},{"text":"So if they no longer meet the in the criteria, they are removed from the S and P 500, which means that the investment you're in, which tracks the S and P 500 index, removes those investments as well.","start":732.79,"end":744.185,"sentiment":"neutral","sentiment_score":-0.0876524231563776},{"text":"So","start":744.185,"end":744.665,"sentiment":"neutral","sentiment_score":0.10398384928703308}],"sentiment":"neutral","sentiment_score":0.07182531077184795,"channel":0,"num_words":162,"start":694.31,"end":744.665},{"sentences":[{"text":"Yep.","start":744.41504,"end":744.91504,"sentiment":"neutral","sentiment_score":0.14896897971630096}],"sentiment":"neutral","sentiment_score":0.14896897971630096,"channel":1,"num_words":1,"start":744.41504,"end":744.91504},{"sentences":[{"text":"you are","start":744.665,"end":745.145,"sentiment":"neutral","sentiment_score":0.17318198829889297}],"sentiment":"neutral","sentiment_score":0.17318198829889297,"channel":0,"num_words":2,"start":744.665,"end":745.145},{"sentences":[{"text":"Right.","start":744.97504,"end":745.47504,"sentiment":"neutral","sentiment_score":0.22237494587898257}],"sentiment":"neutral","sentiment_score":0.22237494587898257,"channel":1,"num_words":1,"start":744.97504,"end":745.47504},{"sentences":[{"text":"always invested in the top 500 companies","start":745.145,"end":747.69,"sentiment":"neutral","sentiment_score":0.21721813934189932}],"sentiment":"neutral","sentiment_score":0.21721813934189932,"channel":0,"num_words":7,"start":745.145,"end":747.69},{"sentences":[{"text":"Yep.","start":747.455,"end":747.955,"sentiment":"neutral","sentiment_score":0.18285757303237915}],"sentiment":"neutral","sentiment_score":0.18285757303237915,"channel":1,"num_words":1,"start":747.455,"end":747.955},{"sentences":[{"text":"regardless of what is happening within The US there.","start":747.69,"end":750.01,"sentiment":"neutral","sentiment_score":0.026329436235957675},{"text":"Okay?","start":750.01,"end":750.51,"sentiment":"neutral","sentiment_score":0.2503195106983185}],"sentiment":"neutral","sentiment_score":0.048728443682193756,"channel":0,"num_words":10,"start":747.69,"end":750.51},{"sentences":[{"text":"It's good.","start":752.16003,"end":752.9,"sentiment":"positive","sentiment_score":0.5355160534381866}],"sentiment":"positive","sentiment_score":0.5355160534381866,"channel":1,"num_words":2,"start":752.16003,"end":752.9},{"sentences":[{"text":"We'll also have exposure to the beta sales Raffi Aussie 200.","start":752.65,"end":756.49005,"sentiment":"neutral","sentiment_score":0.25766815922477027},{"text":"So giving you access to 200 companies in Australia.","start":756.49005,"end":759.21,"sentiment":"neutral","sentiment_score":0.30831218759218854},{"text":"It is looking at some of the top, but it's also giving you some access to low and mid cap companies.","start":759.21,"end":763.41504,"sentiment":"neutral","sentiment_score":0.3307272011325473},{"text":"We're replacing Benelong with the a 200, which is the Australian top 200 companies on the ASX, which is great.","start":764.275,"end":770.935,"sentiment":"positive","sentiment_score":0.4506087452173233},{"text":"You'll see some global health care.","start":771.79504,"end":773.79504,"sentiment":"positive","sentiment_score":0.4896513322989146}],"sentiment":"positive","sentiment_score":0.36573900838396445,"channel":0,"num_words":67,"start":752.65,"end":773.79504},{"sentences":[{"text":"Health care is a very large area, and it's not just looking at, like, doctor surgeries and hospitals and things like that.","start":773.79504,"end":779.93,"sentiment":"neutral","sentiment_score":0.2011784091591835},{"text":"It's also looking at the IT sector within health care and the robotics around that sort of things as well.","start":779.93,"end":784.97,"sentiment":"neutral","sentiment_score":0.20852376148104668},{"text":"So","start":784.97,"end":785.47,"sentiment":"neutral","sentiment_score":0.25842219591140747}],"sentiment":"neutral","sentiment_score":0.20592610295428787,"channel":0,"num_words":43,"start":773.79504,"end":785.47},{"sentences":[{"text":"Yep.","start":785.54,"end":786.04,"sentiment":"neutral","sentiment_score":0.314569354057312}],"sentiment":"neutral","sentiment_score":0.314569354057312,"channel":1,"num_words":1,"start":785.54,"end":786.04},{"sentences":[{"text":"global health care is an area to see growth in.","start":786.25,"end":788.895,"sentiment":"positive","sentiment_score":0.42359113693237305},{"text":"You'll still see some of the JPMorgan Global Research enhanced equity funds.","start":789.375,"end":793.455,"sentiment":"positive","sentiment_score":0.364200117221723},{"text":"They're giving you access to global investments that have up and coming or have can show growth, and JPMorgan is a great research tool to utilize, so that investment has seen some good growth, and we'll continue to see that.","start":793.455,"end":806.14,"sentiment":"positive","sentiment_score":0.6387315556406975},{"text":"And with defensive assets, because I mentioned we're moving the bank hybrids out.","start":807.08,"end":810.68,"sentiment":"neutral","sentiment_score":0.1691541224718094},{"text":"We're gonna put you into core composite bonds to still make sure you do have some defensive investments.","start":810.68,"end":815.58,"sentiment":"neutral","sentiment_score":0.17755046486854553}],"sentiment":"positive","sentiment_score":0.42527405334816826,"channel":0,"num_words":93,"start":786.25,"end":815.58},{"sentences":[{"text":"Yep.","start":816.10504,"end":816.60504,"sentiment":"neutral","sentiment_score":0.16352055966854095}],"sentiment":"neutral","sentiment_score":0.16352055966854095,"channel":1,"num_words":1,"start":816.10504,"end":816.60504},{"sentences":[{"text":"These core composite bonds are giving you access to government bonds but also corporate bonds there as well, and bonds are great for income producing, which helps the compounding effect of your portfolio.","start":816.155,"end":826.015,"sentiment":"positive","sentiment_score":0.36486001086957526},{"text":"So I know that's a lot to kinda go through.","start":826.23505,"end":828.47504,"sentiment":"neutral","sentiment_score":0.060186905413866044},{"text":"I try","start":828.47504,"end":828.875,"sentiment":"neutral","sentiment_score":0.019731703214347363}],"sentiment":"neutral","sentiment_score":0.2818158404280742,"channel":0,"num_words":45,"start":816.155,"end":828.875},{"sentences":[{"text":"Yeah.","start":828.64,"end":829.14,"sentiment":"neutral","sentiment_score":0.016399793326854706}],"sentiment":"neutral","sentiment_score":0.016399793326854706,"channel":1,"num_words":1,"start":828.64,"end":829.14},{"sentences":[{"text":"to make it fairly basic, but when","start":828.875,"end":830.66003,"sentiment":"neutral","sentiment_score":0.011618854744093758}],"sentiment":"neutral","sentiment_score":0.011618854744093758,"channel":0,"num_words":7,"start":828.875,"end":830.66003},{"sentences":[{"text":"No.","start":830.64,"end":830.96,"sentiment":"neutral","sentiment_score":-0.0047707995399832726}],"sentiment":"neutral","sentiment_score":-0.0047707995399832726,"channel":1,"num_words":1,"start":830.64,"end":830.96},{"sentences":[{"text":"you have a","start":830.66003,"end":830.98,"sentiment":"neutral","sentiment_score":-0.004874113791932662}],"sentiment":"neutral","sentiment_score":-0.004874113791932662,"channel":0,"num_words":3,"start":830.66003,"end":830.98},{"sentences":[{"text":"That's","start":830.96,"end":831.12,"sentiment":"neutral","sentiment_score":0.0012532100081443789}],"sentiment":"neutral","sentiment_score":0.0012532100081443789,"channel":1,"num_words":1,"start":830.96,"end":831.12},{"sentences":[{"text":"look","start":830.98,"end":831.22003,"sentiment":"neutral","sentiment_score":0.008529141545295715}],"sentiment":"neutral","sentiment_score":0.008529141545295715,"channel":0,"num_words":1,"start":830.98,"end":831.22003},{"sentences":[{"text":"alright.","start":831.12,"end":831.62,"sentiment":"neutral","sentiment_score":0.013548078946769238}],"sentiment":"neutral","sentiment_score":0.013548078946769238,"channel":1,"num_words":1,"start":831.12,"end":831.62},{"sentences":[{"text":"at the document, you'll see what I'm talking","start":831.22003,"end":833.22003,"sentiment":"neutral","sentiment_score":0.01678948779590428}],"sentiment":"neutral","sentiment_score":0.01678948779590428,"channel":0,"num_words":8,"start":831.22003,"end":833.22003},{"sentences":[{"text":"Yeah.","start":833.12,"end":833.44,"sentiment":"neutral","sentiment_score":0.011864148080348969}],"sentiment":"neutral","sentiment_score":0.011864148080348969,"channel":1,"num_words":1,"start":833.12,"end":833.44},{"sentences":[{"text":"about","start":833.22003,"end":833.54,"sentiment":"neutral","sentiment_score":0.001562010496854782}],"sentiment":"neutral","sentiment_score":0.001562010496854782,"channel":0,"num_words":1,"start":833.22003,"end":833.54},{"sentences":[{"text":"I'll","start":833.44,"end":833.68,"sentiment":"neutral","sentiment_score":0.01126781851053238}],"sentiment":"neutral","sentiment_score":0.01126781851053238,"channel":1,"num_words":1,"start":833.44,"end":833.68},{"sentences":[{"text":"with those","start":833.54,"end":833.94,"sentiment":"neutral","sentiment_score":0.012409611605107784}],"sentiment":"neutral","sentiment_score":0.012409611605107784,"channel":0,"num_words":2,"start":833.54,"end":833.94},{"sentences":[{"text":"read it.","start":833.68,"end":834.0,"sentiment":"neutral","sentiment_score":0.008526806253939867}],"sentiment":"neutral","sentiment_score":0.008526806253939867,"channel":1,"num_words":2,"start":833.68,"end":834.0},{"sentences":[{"text":"investments.","start":833.94,"end":834.44,"sentiment":"neutral","sentiment_score":0.015481210313737392}],"sentiment":"neutral","sentiment_score":0.015481210313737392,"channel":0,"num_words":1,"start":833.94,"end":834.44},{"sentences":[{"text":"Yep.","start":834.0,"end":834.5,"sentiment":"neutral","sentiment_score":0.10460814833641052}],"sentiment":"neutral","sentiment_score":0.10460814833641052,"channel":1,"num_words":1,"start":834.0,"end":834.5},{"sentences":[{"text":"Yeah.","start":835.06,"end":835.56,"sentiment":"neutral","sentiment_score":0.11754731088876724},{"text":"If you find you have questions, you're welcome to let me know.","start":835.78,"end":838.92,"sentiment":"neutral","sentiment_score":0.1847586234410604},{"text":"And in the appendix in there, we do also have links to the PDFs and the investment","start":839.22003,"end":844.04,"sentiment":"neutral","sentiment_score":0.11653568135464892}],"sentiment":"neutral","sentiment_score":0.1438585791736841,"channel":0,"num_words":30,"start":835.06,"end":844.04},{"sentences":[{"text":"Yep.","start":843.61505,"end":843.85504,"sentiment":"neutral","sentiment_score":0.09733983129262924},{"text":"That's fine.","start":843.85504,"end":844.755,"sentiment":"neutral","sentiment_score":0.20852766931056976}],"sentiment":"neutral","sentiment_score":0.1714650566379229,"channel":1,"num_words":3,"start":843.61505,"end":844.755},{"sentences":[{"text":"information, so you're welcome to always open those links and have a look at it","start":844.425,"end":847.785,"sentiment":"neutral","sentiment_score":0.15514615923166275}],"sentiment":"neutral","sentiment_score":0.15514615923166275,"channel":0,"num_words":15,"start":844.425,"end":847.785},{"sentences":[{"text":"Yep.","start":847.775,"end":848.275,"sentiment":"neutral","sentiment_score":0.11037012189626694}],"sentiment":"neutral","sentiment_score":0.11037012189626694,"channel":1,"num_words":1,"start":847.775,"end":848.275},{"sentences":[{"text":"as well.","start":847.785,"end":848.445,"sentiment":"neutral","sentiment_score":0.09921557456254959}],"sentiment":"neutral","sentiment_score":0.09921557456254959,"channel":0,"num_words":2,"start":847.785,"end":848.445},{"sentences":[{"text":"Alright.","start":849.135,"end":849.635,"sentiment":"neutral","sentiment_score":0.10209846496582033}],"sentiment":"neutral","sentiment_score":0.10209846496582033,"channel":1,"num_words":1,"start":849.135,"end":849.635},{"sentences":[{"text":"Okay?","start":850.025,"end":850.265,"sentiment":"neutral","sentiment_score":0.11145207285881042},{"text":"Perfect.","start":850.265,"end":850.765,"sentiment":"neutral","sentiment_score":0.2602333128452301},{"text":"So, essentially, with this one here, we are looking to just alter the underlying portfolio there, start the salary sacrifice of $50 on a weekly basis there","start":851.225,"end":859.91,"sentiment":"neutral","sentiment_score":0.05446804466622847}],"sentiment":"neutral","sentiment_score":0.06352836523076584,"channel":0,"num_words":29,"start":850.025,"end":859.91},{"sentences":[{"text":"Yep.","start":859.83997,"end":860.33997,"sentiment":"neutral","sentiment_score":0.03836880624294281}],"sentiment":"neutral","sentiment_score":0.03836880624294281,"channel":1,"num_words":1,"start":859.83997,"end":860.33997},{"sentences":[{"text":"and and make sure we have 24.","start":859.91,"end":862.73,"sentiment":"neutral","sentiment_score":0.035031109250017574},{"text":"It's important","start":863.02997,"end":863.67,"sentiment":"neutral","sentiment_score":0.04565380699932575}],"sentiment":"neutral","sentiment_score":0.03739170874986383,"channel":0,"num_words":9,"start":859.91,"end":863.67},{"sentences":[{"text":"Yep.","start":863.44,"end":863.94,"sentiment":"neutral","sentiment_score":0.083573117852211}],"sentiment":"neutral","sentiment_score":0.083573117852211,"channel":1,"num_words":1,"start":863.44,"end":863.94},{"sentences":[{"text":"to make you aware that, obviously, this is providing a greater benefit.","start":863.67,"end":866.63,"sentiment":"neutral","sentiment_score":0.164798799281319},{"text":"You're gonna be in a high growth portfolio, which has seen over the last utilizing a three year rolling average, and we have to use a three year for this one because the bank hybrids haven't shown a five year rolling average.","start":866.63,"end":877.905,"sentiment":"neutral","sentiment_score":0.17454988154627027},{"text":"So when we kind of look at that, the newer high growth portfolio has been greater returns utilizing the past three roll year rolling average, sorry, which can put you in a position to get greater potential returns as long as the market reacts the way we hope it does moving forward.","start":877.905,"end":893.56,"sentiment":"positive","sentiment_score":0.37801685786018},{"text":"It's really important I do let you know that by changing the investments within the portfolio, there are CDT consequences.","start":894.26,"end":899.88,"sentiment":"neutral","sentiment_score":0.0736598672810942},{"text":"I've got that in this table here for you.","start":900.885,"end":902.965,"sentiment":"neutral","sentiment_score":0.3313785228464339}],"sentiment":"neutral","sentiment_score":0.2475641576021358,"channel":0,"num_words":135,"start":863.67,"end":902.965},{"sentences":[{"text":"So it does show that by making the changes there, the expected CDT consequences of tax your funds will pay is about $2,032 for the changes.","start":902.965,"end":912.34503,"sentiment":"neutral","sentiment_score":0.3223392911828481}],"sentiment":"neutral","sentiment_score":0.3223392911828481,"channel":0,"num_words":26,"start":902.965,"end":912.34503},{"sentences":[{"text":"Yep.","start":912.82,"end":913.32,"sentiment":"positive","sentiment_score":0.41232413053512573}],"sentiment":"positive","sentiment_score":0.41232413053512573,"channel":1,"num_words":1,"start":912.82,"end":913.32},{"sentences":[{"text":"But we're also saving you an investment fee.","start":913.3,"end":915.45996,"sentiment":"positive","sentiment_score":0.5564033351838589},{"text":"So by enable by making these changes to your portfolio, it's seeing greater growth.","start":915.45996,"end":919.86,"sentiment":"positive","sentiment_score":0.6894816500799996},{"text":"There are other CDT consequences, but we can sort of see that we're saving about $728 for the first year in investment fees as well.","start":919.86,"end":928.225,"sentiment":"positive","sentiment_score":0.45534277975559234},{"text":"So that's","start":928.225,"end":928.705,"sentiment":"neutral","sentiment_score":0.2871512770652771}],"sentiment":"positive","sentiment_score":0.5318743230736985,"channel":0,"num_words":49,"start":913.3,"end":928.705},{"sentences":[{"text":"Yeah.","start":928.615,"end":929.115,"sentiment":"neutral","sentiment_score":0.21063232421875}],"sentiment":"neutral","sentiment_score":0.21063232421875,"channel":1,"num_words":1,"start":928.615,"end":929.115},{"sentences":[{"text":"the benefit and the","start":928.705,"end":929.585,"sentiment":"neutral","sentiment_score":0.2666431777179241}],"sentiment":"neutral","sentiment_score":0.2666431777179241,"channel":0,"num_words":4,"start":928.705,"end":929.585},{"sentences":[{"text":"Alright.","start":929.575,"end":930.055,"sentiment":"neutral","sentiment_score":0.17568665742874146}],"sentiment":"neutral","sentiment_score":0.17568665742874146,"channel":1,"num_words":1,"start":929.575,"end":930.055},{"sentences":[{"text":"bonus for","start":929.585,"end":930.225,"sentiment":"neutral","sentiment_score":0.193575881421566}],"sentiment":"neutral","sentiment_score":0.193575881421566,"channel":0,"num_words":2,"start":929.585,"end":930.225},{"sentences":[{"text":"So what","start":930.055,"end":930.375,"sentiment":"neutral","sentiment_score":0.0626512672752142}],"sentiment":"neutral","sentiment_score":0.0626512672752142,"channel":1,"num_words":2,"start":930.055,"end":930.375},{"sentences":[{"text":"you.","start":930.225,"end":930.725,"sentiment":"neutral","sentiment_score":0.06092189252376557}],"sentiment":"neutral","sentiment_score":0.06092189252376557,"channel":0,"num_words":1,"start":930.225,"end":930.725},{"sentences":[{"text":"does that mean?","start":930.375,"end":930.85504,"sentiment":"neutral","sentiment_score":0.04210301612814268},{"text":"It's tax time?","start":930.85504,"end":931.91504,"sentiment":"neutral","sentiment_score":0.12411769106984138}],"sentiment":"neutral","sentiment_score":0.08311035359899203,"channel":1,"num_words":6,"start":930.375,"end":931.91504},{"sentences":[{"text":"It basically means that your super fund's gonna do a tax return for you, and they'll have to pay capital gains tax of $2,032, but it doesn't affect you in any way, shape, or form.","start":932.945,"end":941.83,"sentiment":"neutral","sentiment_score":0.19182628733771187},{"text":"Yeah.","start":942.53,"end":943.03,"sentiment":"positive","sentiment_score":0.3695855140686035},{"text":"All good.","start":943.89,"end":944.37,"sentiment":"positive","sentiment_score":0.6097732186317444},{"text":"It's actually kinda funny.","start":944.37,"end":945.32996,"sentiment":"positive","sentiment_score":0.37645919620990753},{"text":"A lot of people don't realize that your super fund, the trustees in your fund, they actually do a tax return every year for you for your super.","start":945.32996,"end":951.91003,"sentiment":"neutral","sentiment_score":0.20336360856890678}],"sentiment":"neutral","sentiment_score":0.22147242618458612,"channel":0,"num_words":70,"start":932.945,"end":951.91003},{"sentences":[{"text":"So your super has pays incomes and capital gains tax on a yearly basis.","start":952.495,"end":956.735,"sentiment":"neutral","sentiment_score":0.2202892420547349},{"text":"You just don't see it because it's not something you have to sign off on.","start":956.735,"end":960.27496,"sentiment":"neutral","sentiment_score":0.041220907121896744}],"sentiment":"neutral","sentiment_score":0.1276676895032669,"channel":0,"num_words":29,"start":952.495,"end":960.27496},{"sentences":[{"text":"Yep.","start":960.43,"end":960.93,"sentiment":"neutral","sentiment_score":0.16718485951423645}],"sentiment":"neutral","sentiment_score":0.16718485951423645,"channel":1,"num_words":1,"start":960.43,"end":960.93},{"sentences":[{"text":"So, yeah, that happens automatically every year.","start":960.975,"end":963.615,"sentiment":"neutral","sentiment_score":0.2181801242487771}],"sentiment":"neutral","sentiment_score":0.2181801242487771,"channel":0,"num_words":7,"start":960.975,"end":963.615},{"sentences":[{"text":"Oh,","start":963.39,"end":963.63,"sentiment":"neutral","sentiment_score":0.25200575590133667}],"sentiment":"neutral","sentiment_score":0.25200575590133667,"channel":1,"num_words":1,"start":963.39,"end":963.63},{"sentences":[{"text":"This","start":963.615,"end":963.77496,"sentiment":"positive","sentiment_score":0.377059668302536}],"sentiment":"positive","sentiment_score":0.377059668302536,"channel":0,"num_words":1,"start":963.615,"end":963.77496},{"sentences":[{"text":"that's","start":963.63,"end":963.87,"sentiment":"positive","sentiment_score":0.45568737387657166}],"sentiment":"positive","sentiment_score":0.45568737387657166,"channel":1,"num_words":1,"start":963.63,"end":963.87},{"sentences":[{"text":"will","start":963.77496,"end":964.01495,"sentiment":"positive","sentiment_score":0.5433076024055481}],"sentiment":"positive","sentiment_score":0.5433076024055481,"channel":0,"num_words":1,"start":963.77496,"end":964.01495},{"sentences":[{"text":"good.","start":963.87,"end":964.11005,"sentiment":"positive","sentiment_score":0.4872427582740784}],"sentiment":"positive","sentiment_score":0.4872427582740784,"channel":1,"num_words":1,"start":963.87,"end":964.11005},{"sentences":[{"text":"happen","start":964.01495,"end":964.25494,"sentiment":"positive","sentiment_score":0.39045050740242}],"sentiment":"positive","sentiment_score":0.39045050740242,"channel":0,"num_words":1,"start":964.01495,"end":964.25494},{"sentences":[{"text":"Yep.","start":964.11005,"end":964.61005,"sentiment":"neutral","sentiment_score":0.26281750202178955}],"sentiment":"neutral","sentiment_score":0.26281750202178955,"channel":1,"num_words":1,"start":964.11005,"end":964.61005},{"sentences":[{"text":"as well.","start":964.25494,"end":964.735,"sentiment":"neutral","sentiment_score":0.2633221819996834},{"text":"We just have to let you know that there","start":964.735,"end":966.33496,"sentiment":"neutral","sentiment_score":0.11857240233156416}],"sentiment":"neutral","sentiment_score":0.14489054408940402,"channel":0,"num_words":11,"start":964.25494,"end":966.33496},{"sentences":[{"text":"Yeah.","start":966.27,"end":966.51,"sentiment":"neutral","sentiment_score":0.03874370455741882}],"sentiment":"neutral","sentiment_score":0.03874370455741882,"channel":1,"num_words":1,"start":966.27,"end":966.51},{"sentences":[{"text":"are,","start":966.33496,"end":966.735,"sentiment":"neutral","sentiment_score":0.026233620941638947}],"sentiment":"neutral","sentiment_score":0.026233620941638947,"channel":0,"num_words":1,"start":966.33496,"end":966.735},{"sentences":[{"text":"That's","start":966.51,"end":966.75,"sentiment":"neutral","sentiment_score":0.20938649773597717}],"sentiment":"neutral","sentiment_score":0.20938649773597717,"channel":1,"num_words":1,"start":966.51,"end":966.75},{"sentences":[{"text":"obviously,","start":966.735,"end":967.21497,"sentiment":"neutral","sentiment_score":0.20147079229354856}],"sentiment":"neutral","sentiment_score":0.20147079229354856,"channel":0,"num_words":1,"start":966.735,"end":967.21497},{"sentences":[{"text":"fine.","start":966.75,"end":967.25,"sentiment":"neutral","sentiment_score":0.21286368370056152}],"sentiment":"neutral","sentiment_score":0.21286368370056152,"channel":1,"num_words":1,"start":966.75,"end":967.25},{"sentences":[{"text":"the expected tax consequences there for you.","start":967.21497,"end":969.85004,"sentiment":"neutral","sentiment_score":0.22541945534093039}],"sentiment":"neutral","sentiment_score":0.22541945534093039,"channel":0,"num_words":7,"start":967.21497,"end":969.85004},{"sentences":[{"text":"Yep.","start":969.95,"end":970.45,"sentiment":"neutral","sentiment_score":0.26168352365493774}],"sentiment":"neutral","sentiment_score":0.26168352365493774,"channel":1,"num_words":1,"start":969.95,"end":970.45},{"sentences":[{"text":"But the benefits of this is that the the investment fees within the fund, by making these changes, we expect to save you $728 for the first year on investment fees.","start":969.99,"end":979.59,"sentiment":"positive","sentiment_score":0.5228634688162035},{"text":"So it's a little","start":979.59,"end":980.23,"sentiment":"positive","sentiment_score":0.3988185450434685}],"sentiment":"positive","sentiment_score":0.5086869060993194,"channel":0,"num_words":35,"start":969.99,"end":980.23},{"sentences":[{"text":"Yep.","start":980.20496,"end":980.70496,"sentiment":"neutral","sentiment_score":0.2763991355895996}],"sentiment":"neutral","sentiment_score":0.2763991355895996,"channel":1,"num_words":1,"start":980.20496,"end":980.70496},{"sentences":[{"text":"bit cheaper on fees for you, which","start":980.23,"end":981.83,"sentiment":"positive","sentiment_score":0.4024615543229239}],"sentiment":"positive","sentiment_score":0.4024615543229239,"channel":0,"num_words":7,"start":980.23,"end":981.83},{"sentences":[{"text":"Yeah.","start":981.725,"end":982.225,"sentiment":"neutral","sentiment_score":0.1579645723104477}],"sentiment":"neutral","sentiment_score":0.1579645723104477,"channel":1,"num_words":1,"start":981.725,"end":982.225},{"sentences":[{"text":"is important.","start":981.83,"end":982.57,"sentiment":"neutral","sentiment_score":0.2339186817407608}],"sentiment":"neutral","sentiment_score":0.2339186817407608,"channel":0,"num_words":2,"start":981.83,"end":982.57},{"sentences":[{"text":"Alright.","start":982.76495,"end":983.26495,"sentiment":"positive","sentiment_score":0.3439294993877411}],"sentiment":"positive","sentiment_score":0.3439294993877411,"channel":1,"num_words":1,"start":982.76495,"end":983.26495},{"sentences":[{"text":"Yeah.","start":983.22504,"end":983.72504,"sentiment":"positive","sentiment_score":0.4338371753692627},{"text":"All good.","start":984.025,"end":984.84503,"sentiment":"positive","sentiment_score":0.6181198060512543}],"sentiment":"positive","sentiment_score":0.5566922624905905,"channel":0,"num_words":3,"start":983.22504,"end":984.84503},{"sentences":[{"text":"No worries.","start":984.42,"end":985.14,"sentiment":"neutral","sentiment_score":0.31289489567279816},{"text":"Alright.","start":985.14,"end":985.64,"sentiment":"neutral","sentiment_score":-0.05079963803291321}],"sentiment":"neutral","sentiment_score":0.19166338443756104,"channel":1,"num_words":3,"start":984.42,"end":985.64},{"sentences":[{"text":"I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000.","start":986.18506,"end":1005.61,"sentiment":"neutral","sentiment_score":0.2804934141727594},{"text":"With","start":1005.83,"end":1005.99,"sentiment":"neutral","sentiment_score":0.1959118694067001}],"sentiment":"neutral","sentiment_score":0.27942276170736624,"channel":0,"num_words":79,"start":986.18506,"end":1005.99},{"sentences":[{"text":"Yes.","start":1005.845,"end":1006.345,"sentiment":"neutral","sentiment_score":0.3306528329849243}],"sentiment":"neutral","sentiment_score":0.3306528329849243,"channel":1,"num_words":1,"start":1005.845,"end":1006.345},{"sentences":[{"text":"your balance the way it is, you could honestly end up in that sort of direction over the next sort of five to six years,","start":1005.99,"end":1011.435,"sentiment":"positive","sentiment_score":0.42842302680015565}],"sentiment":"positive","sentiment_score":0.42842302680015565,"channel":0,"num_words":25,"start":1005.99,"end":1011.435},{"sentences":[{"text":"Yes.","start":1011.605,"end":1012.105,"sentiment":"neutral","sentiment_score":0.15648740530014038}],"sentiment":"neutral","sentiment_score":0.15648740530014038,"channel":1,"num_words":1,"start":1011.605,"end":1012.105},{"sentences":[{"text":"But it really just depends upon what the market does, but you will see a bit of a projection in there for you.","start":1011.915,"end":1017.035,"sentiment":"neutral","sentiment_score":0.10243314812364786}],"sentiment":"neutral","sentiment_score":0.10243314812364786,"channel":0,"num_words":23,"start":1011.915,"end":1017.035},{"sentences":[{"text":"Yeah.","start":1016.66,"end":1017.06,"sentiment":"neutral","sentiment_score":0.08510223031044006}],"sentiment":"neutral","sentiment_score":0.08510223031044006,"channel":1,"num_words":1,"start":1016.66,"end":1017.06},{"sentences":[{"text":"Okay?","start":1017.035,"end":1017.535,"sentiment":"neutral","sentiment_score":0.08044139295816422}],"sentiment":"neutral","sentiment_score":0.08044139295816422,"channel":0,"num_words":1,"start":1017.035,"end":1017.535},{"sentences":[{"text":"All in.","start":1017.06,"end":1017.54,"sentiment":"neutral","sentiment_score":0.12566649541258812},{"text":"No worries.","start":1017.54,"end":1018.2,"sentiment":"neutral","sentiment_score":0.27900344133377075}],"sentiment":"neutral","sentiment_score":0.20233496837317944,"channel":1,"num_words":4,"start":1017.06,"end":1018.2},{"sentences":[{"text":"Perfect.","start":1018.475,"end":1018.975,"sentiment":"positive","sentiment_score":0.6993749141693115}],"sentiment":"positive","sentiment_score":0.6993749141693115,"channel":0,"num_words":1,"start":1018.475,"end":1018.975},{"sentences":[{"text":"Sounds good.","start":1019.46,"end":1020.28,"sentiment":"positive","sentiment_score":0.6386812925338745}],"sentiment":"positive","sentiment_score":0.6386812925338745,"channel":1,"num_words":2,"start":1019.46,"end":1020.28},{"sentences":[{"text":"With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope.","start":1019.915,"end":1025.38,"sentiment":"neutral","sentiment_score":0.16865654560652646},{"text":"You still got over ten years to go.","start":1025.38,"end":1027.14,"sentiment":"neutral","sentiment_score":0.09931413549929857},{"text":"So","start":1027.14,"end":1027.64,"sentiment":"neutral","sentiment_score":0.11903445422649384}],"sentiment":"neutral","sentiment_score":0.14916101746982144,"channel":0,"num_words":31,"start":1019.915,"end":1027.64},{"sentences":[{"text":"Yes.","start":1027.835,"end":1028.335,"sentiment":"neutral","sentiment_score":0.1649743914604187}],"sentiment":"neutral","sentiment_score":0.1649743914604187,"channel":1,"num_words":1,"start":1027.835,"end":1028.335},{"sentences":[{"text":"there can be some changes, and I wanna kinda keep you on track.","start":1027.94,"end":1030.82,"sentiment":"neutral","sentiment_score":0.19482838018582418},{"text":"But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals.","start":1030.82,"end":1044.955,"sentiment":"neutral","sentiment_score":0.20474125021560627},{"text":"So we sort of talked about drawing down regular income of about 35,000 on a yearly basis there.","start":1044.955,"end":1051.375,"sentiment":"neutral","sentiment_score":-0.023991013463172648}],"sentiment":"neutral","sentiment_score":0.1481272761275371,"channel":0,"num_words":75,"start":1027.94,"end":1051.375},{"sentences":[{"text":"Yes.","start":1051.23,"end":1051.73,"sentiment":"neutral","sentiment_score":0.13984191417694092}],"sentiment":"neutral","sentiment_score":0.13984191417694092,"channel":1,"num_words":1,"start":1051.23,"end":1051.73},{"sentences":[{"text":"Essentially,","start":1052.155,"end":1052.655,"sentiment":"neutral","sentiment_score":0.16516061127185822}],"sentiment":"neutral","sentiment_score":0.16516061127185822,"channel":0,"num_words":1,"start":1052.155,"end":1052.655},{"sentences":[{"text":"Yep.","start":1052.265,"end":1052.765,"sentiment":"neutral","sentiment_score":0.28501781821250916}],"sentiment":"neutral","sentiment_score":0.28501781821250916,"channel":1,"num_words":1,"start":1052.265,"end":1052.765},{"sentences":[{"text":"this is almost keeping you on track and having super last to about age 91.","start":1052.715,"end":1057.5701,"sentiment":"positive","sentiment_score":0.3696287055810293},{"text":"So you can draw certainly more money out than what we can sort of see with regards to this.","start":1057.5701,"end":1062.85,"sentiment":"neutral","sentiment_score":0.23538571282436974},{"text":"It just means that the super doesn't last as long.","start":1062.85,"end":1065.51,"sentiment":"neutral","sentiment_score":0.08044404834508896}],"sentiment":"neutral","sentiment_score":0.24593635479157622,"channel":0,"num_words":44,"start":1052.715,"end":1065.51},{"sentences":[{"text":"It's on","start":1065.545,"end":1065.9451,"sentiment":"neutral","sentiment_score":0.03462995961308479}],"sentiment":"neutral","sentiment_score":0.03462995961308479,"channel":1,"num_words":2,"start":1065.545,"end":1065.9451},{"sentences":[{"text":"But","start":1065.81,"end":1066.05,"sentiment":"neutral","sentiment_score":0.03339267894625664}],"sentiment":"neutral","sentiment_score":0.03339267894625664,"channel":0,"num_words":1,"start":1065.81,"end":1066.05},{"sentences":[{"text":"Madison.","start":1065.9451,"end":1066.4451,"sentiment":"neutral","sentiment_score":0.01996573247015476}],"sentiment":"neutral","sentiment_score":0.01996573247015476,"channel":1,"num_words":1,"start":1065.9451,"end":1066.4451},{"sentences":[{"text":"given, yeah, but given when we get closer to it, one of the things I'll also factor in is the age pension side of things.","start":1066.05,"end":1072.995,"sentiment":"neutral","sentiment_score":0.04477687247097492},{"text":"So when we get closer, we can talk more about your level.","start":1072.995,"end":1076.275,"sentiment":"neutral","sentiment_score":0.053528916711608567},{"text":"Given your current circumstances,","start":1076.275,"end":1077.655,"sentiment":"neutral","sentiment_score":0.057015092112123966}],"sentiment":"neutral","sentiment_score":0.0485324190429798,"channel":0,"num_words":41,"start":1066.05,"end":1077.655},{"sentences":[{"text":"Yep.","start":1077.59,"end":1078.09,"sentiment":"neutral","sentiment_score":0.16326527297496796}],"sentiment":"neutral","sentiment_score":0.16326527297496796,"channel":1,"num_words":1,"start":1077.59,"end":1078.09},{"sentences":[{"text":"it looks like you should be eligible for a bit of age pension around age seven as well, which means","start":1077.795,"end":1082.4501,"sentiment":"neutral","sentiment_score":0.138133255392313}],"sentiment":"neutral","sentiment_score":0.138133255392313,"channel":0,"num_words":20,"start":1077.795,"end":1082.4501},{"sentences":[{"text":"Yep.","start":1082.215,"end":1082.715,"sentiment":"neutral","sentiment_score":0.16761188209056854}],"sentiment":"neutral","sentiment_score":0.16761188209056854,"channel":1,"num_words":1,"start":1082.215,"end":1082.715},{"sentences":[{"text":"we can draw a little bit less out of super and give you longevity down down the way as well.","start":1082.4501,"end":1086.77,"sentiment":"neutral","sentiment_score":0.16647478565573692},{"text":"But I'll keep you updated.","start":1086.77,"end":1088.53,"sentiment":"neutral","sentiment_score":0.1725494682788849}],"sentiment":"neutral","sentiment_score":0.1676897221803665,"channel":0,"num_words":25,"start":1082.4501,"end":1088.53},{"sentences":[{"text":"That's","start":1088.2949,"end":1088.695,"sentiment":"neutral","sentiment_score":0.17458435893058777}],"sentiment":"neutral","sentiment_score":0.17458435893058777,"channel":1,"num_words":1,"start":1088.2949,"end":1088.695},{"sentences":[{"text":"We'll","start":1088.53,"end":1088.77,"sentiment":"neutral","sentiment_score":0.2258375734090805}],"sentiment":"neutral","sentiment_score":0.2258375734090805,"channel":0,"num_words":1,"start":1088.53,"end":1088.77},{"sentences":[{"text":"fine.","start":1088.695,"end":1089.0149,"sentiment":"neutral","sentiment_score":0.29405874013900757}],"sentiment":"neutral","sentiment_score":0.29405874013900757,"channel":1,"num_words":1,"start":1088.695,"end":1089.0149},{"sentences":[{"text":"keep reviewing","start":1088.77,"end":1089.4901,"sentiment":"neutral","sentiment_score":0.21624209731817245}],"sentiment":"neutral","sentiment_score":0.21624209731817245,"channel":0,"num_words":2,"start":1088.77,"end":1089.4901},{"sentences":[{"text":"Yep.","start":1089.0149,"end":1089.5149,"sentiment":"neutral","sentiment_score":0.08348395675420761}],"sentiment":"neutral","sentiment_score":0.08348395675420761,"channel":1,"num_words":1,"start":1089.0149,"end":1089.5149},{"sentences":[{"text":"this and keep you on track there.","start":1089.4901,"end":1091.3301,"sentiment":"positive","sentiment_score":0.4065869833741869},{"text":"Okay?","start":1091.3301,"end":1091.8301,"sentiment":"neutral","sentiment_score":0.2196560502052307}],"sentiment":"positive","sentiment_score":0.3832206167280674,"channel":0,"num_words":8,"start":1089.4901,"end":1091.8301},{"sentences":[{"text":"Yep.","start":1091.6549,"end":1091.815,"sentiment":"neutral","sentiment_score":0.2583298087120056},{"text":"Yes.","start":1091.815,"end":1092.2949,"sentiment":"positive","sentiment_score":0.4276948571205139},{"text":"Sounds good.","start":1092.2949,"end":1093.2749,"sentiment":"positive","sentiment_score":0.7598643004894257}],"sentiment":"positive","sentiment_score":0.5514383167028427,"channel":1,"num_words":4,"start":1091.6549,"end":1093.2749},{"sentences":[{"text":"Perfect.","start":1092.93,"end":1093.43,"sentiment":"positive","sentiment_score":0.7617400884628296},{"text":"I do have the strategy in there with regard to the sales back as well.","start":1094.2949,"end":1097.735,"sentiment":"neutral","sentiment_score":0.2752238194147746},{"text":"It kinda shows you I've essentially the difference in the tax consequences between your current position to the idea of salary sacrificing.","start":1097.735,"end":1104.6349,"sentiment":"neutral","sentiment_score":0.05378660339523445},{"text":"It does kinda provide you with the benefit of paying a little bit less","start":1105.4149,"end":1108.855,"sentiment":"neutral","sentiment_score":0.26076422525303705}],"sentiment":"neutral","sentiment_score":0.18700195784465626,"channel":0,"num_words":52,"start":1092.93,"end":1108.855},{"sentences":[{"text":"Yep.","start":1108.695,"end":1109.195,"sentiment":"neutral","sentiment_score":0.1501638889312744}],"sentiment":"neutral","sentiment_score":0.1501638889312744,"channel":1,"num_words":1,"start":1108.695,"end":1109.195},{"sentences":[{"text":"income tax, which is a benefit to you.","start":1108.855,"end":1111.9501,"sentiment":"neutral","sentiment_score":0.24466505087912083},{"text":"However, the disadvantage of salary sacrificing is that your take home pay is a little bit less as well because that","start":1111.9501,"end":1117.15,"sentiment":"neutral","sentiment_score":-0.14561861540590013}],"sentiment":"neutral","sentiment_score":-0.03795415574106677,"channel":0,"num_words":29,"start":1108.855,"end":1117.15},{"sentences":[{"text":"Yes.","start":1117.095,"end":1117.595,"sentiment":"neutral","sentiment_score":-0.04255262017250061}],"sentiment":"neutral","sentiment_score":-0.04255262017250061,"channel":1,"num_words":1,"start":1117.095,"end":1117.595},{"sentences":[{"text":"$50 per week is going into","start":1117.15,"end":1118.99,"sentiment":"neutral","sentiment_score":-0.009792294353246689}],"sentiment":"neutral","sentiment_score":-0.009792294353246689,"channel":0,"num_words":6,"start":1117.15,"end":1118.99},{"sentences":[{"text":"Yep.","start":1118.775,"end":1119.275,"sentiment":"neutral","sentiment_score":-0.03623548522591591}],"sentiment":"neutral","sentiment_score":-0.03623548522591591,"channel":1,"num_words":1,"start":1118.775,"end":1119.275},{"sentences":[{"text":"super.","start":1118.99,"end":1119.49,"sentiment":"neutral","sentiment_score":0.022009342908859253},{"text":"But when I sort of look at it, the the advantage of being able to want more money into super and have it invested outweighs that additional of not of","start":1119.9501,"end":1127.925,"sentiment":"neutral","sentiment_score":0.09148294900854428}],"sentiment":"neutral","sentiment_score":0.08924186494081252,"channel":0,"num_words":31,"start":1118.99,"end":1127.925},{"sentences":[{"text":"Absolutely.","start":1127.77,"end":1128.27,"sentiment":"neutral","sentiment_score":-0.011684192344546318}],"sentiment":"neutral","sentiment_score":-0.011684192344546318,"channel":1,"num_words":1,"start":1127.77,"end":1128.27},{"sentences":[{"text":"not having that in","start":1127.925,"end":1128.725,"sentiment":"neutral","sentiment_score":-0.02786625735461712}],"sentiment":"neutral","sentiment_score":-0.02786625735461712,"channel":0,"num_words":4,"start":1127.925,"end":1128.725},{"sentences":[{"text":"Yep.","start":1128.5701,"end":1129.0701,"sentiment":"neutral","sentiment_score":-0.007276412099599838}],"sentiment":"neutral","sentiment_score":-0.007276412099599838,"channel":1,"num_words":1,"start":1128.5701,"end":1129.0701},{"sentences":[{"text":"your take home pay.","start":1128.725,"end":1129.845,"sentiment":"neutral","sentiment_score":0.00645026471465826},{"text":"Okay.","start":1129.845,"end":1130.345,"sentiment":"neutral","sentiment_score":0.29398947954177856}],"sentiment":"neutral","sentiment_score":0.06395810768008232,"channel":0,"num_words":5,"start":1128.725,"end":1130.345},{"sentences":[{"text":"Thank you.","start":1130.09,"end":1130.83,"sentiment":"positive","sentiment_score":0.5049674659967422}],"sentiment":"positive","sentiment_score":0.5049674659967422,"channel":1,"num_words":2,"start":1130.09,"end":1130.83},{"sentences":[{"text":"All good.","start":1131.845,"end":1132.585,"sentiment":"positive","sentiment_score":0.448556512594223}],"sentiment":"positive","sentiment_score":0.448556512594223,"channel":0,"num_words":2,"start":1131.845,"end":1132.585},{"sentences":[{"text":"Hold on.","start":1133.13,"end":1133.685,"sentiment":"neutral","sentiment_score":0.16628406196832657}],"sentiment":"neutral","sentiment_score":0.16628406196832657,"channel":1,"num_words":2,"start":1133.13,"end":1133.685},{"sentences":[{"text":"Well, the other side of that is just the beneficiary side of things.","start":1133.605,"end":1136.645,"sentiment":"neutral","sentiment_score":0.08430345155871831},{"text":"So I will make sure your beneficiaries are up to date.","start":1136.645,"end":1138.92,"sentiment":"neutral","sentiment_score":0.1352810107848861},{"text":"I am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse.","start":1138.92,"end":1144.06,"sentiment":"neutral","sentiment_score":0.18321328030692208},{"text":"That way,","start":1144.2001,"end":1144.52,"sentiment":"neutral","sentiment_score":0.23371171206235886}],"sentiment":"neutral","sentiment_score":0.14430223769423636,"channel":0,"num_words":44,"start":1133.605,"end":1144.52},{"sentences":[{"text":"Yep.","start":1144.4851,"end":1144.9851,"sentiment":"neutral","sentiment_score":0.27380746603012085}],"sentiment":"neutral","sentiment_score":0.27380746603012085,"channel":1,"num_words":1,"start":1144.4851,"end":1144.9851},{"sentences":[{"text":"if anything does happen, she gets a 100% of the benefit there paid out to her.","start":1144.52,"end":1148.7001,"sentiment":"positive","sentiment_score":0.3338378081098199},{"text":"And I","start":1148.8401,"end":1149.16,"sentiment":"neutral","sentiment_score":0.12855643779039383}],"sentiment":"neutral","sentiment_score":0.311028766963217,"channel":0,"num_words":18,"start":1144.52,"end":1149.16},{"sentences":[{"text":"Yep.","start":1149.0901,"end":1149.5901,"sentiment":"neutral","sentiment_score":0.15939277410507202}],"sentiment":"neutral","sentiment_score":0.15939277410507202,"channel":1,"num_words":1,"start":1149.0901,"end":1149.5901},{"sentences":[{"text":"will sort of let everyone know to let their spouse know that you are that I am your financial adviser, that if anything was to happen to call me and I can help her with the claim just","start":1149.16,"end":1157.575,"sentiment":"neutral","sentiment_score":0.18351332411954277}],"sentiment":"neutral","sentiment_score":0.18351332411954277,"channel":0,"num_words":38,"start":1149.16,"end":1157.575},{"sentences":[{"text":"Okay.","start":1157.5701,"end":1158.0701,"sentiment":"neutral","sentiment_score":0.03476416692137718}],"sentiment":"neutral","sentiment_score":0.03476416692137718,"channel":1,"num_words":1,"start":1157.5701,"end":1158.0701},{"sentences":[{"text":"to make sure things are done along.","start":1157.575,"end":1159.175,"sentiment":"neutral","sentiment_score":0.03310240166527884},{"text":"I know it's, you know, when your times where your spouse has passed, it can be a really difficult time frame.","start":1159.175,"end":1164.695,"sentiment":"neutral","sentiment_score":-0.044471338125211854}],"sentiment":"neutral","sentiment_score":-0.025077903177589178,"channel":0,"num_words":28,"start":1157.575,"end":1164.695},{"sentences":[{"text":"Yeah.","start":1164.345,"end":1164.845,"sentiment":"neutral","sentiment_score":0.0307915061712265}],"sentiment":"neutral","sentiment_score":0.0307915061712265,"channel":1,"num_words":1,"start":1164.345,"end":1164.845},{"sentences":[{"text":"So it's important to make sure that she's aware of where your super is, that you do have a benefit that she can claim on it, and we'll help you with the beneficiary nominations as well.","start":1164.695,"end":1175.58,"sentiment":"neutral","sentiment_score":0.1711641156839}],"sentiment":"neutral","sentiment_score":0.1711641156839,"channel":0,"num_words":36,"start":1164.695,"end":1175.58},{"sentences":[{"text":"Yep.","start":1175.1599,"end":1175.6599,"sentiment":"neutral","sentiment_score":0.056304048746824265}],"sentiment":"neutral","sentiment_score":0.056304048746824265,"channel":1,"num_words":1,"start":1175.1599,"end":1175.6599},{"sentences":[{"text":"It's","start":1175.58,"end":1175.74,"sentiment":"neutral","sentiment_score":0.04070739075541496}],"sentiment":"neutral","sentiment_score":0.04070739075541496,"channel":0,"num_words":1,"start":1175.58,"end":1175.74},{"sentences":[{"text":"Not","start":1175.72,"end":1176.22,"sentiment":"neutral","sentiment_score":0.010841183364391329}],"sentiment":"neutral","sentiment_score":0.010841183364391329,"channel":1,"num_words":1,"start":1175.72,"end":1176.22},{"sentences":[{"text":"the hardest part of getting someone to witness it for you.","start":1175.74,"end":1179.04,"sentiment":"neutral","sentiment_score":0.012338707392865961}],"sentiment":"neutral","sentiment_score":0.012338707392865961,"channel":0,"num_words":11,"start":1175.74,"end":1179.04},{"sentences":[{"text":"yet.","start":1179.48,"end":1179.98,"sentiment":"neutral","sentiment_score":0.009257607161998749}],"sentiment":"neutral","sentiment_score":0.009257607161998749,"channel":1,"num_words":1,"start":1179.48,"end":1179.98},{"sentences":[{"text":"Yeah.","start":1180.525,"end":1181.025,"sentiment":"neutral","sentiment_score":0.032800331711769104},{"text":"The only other thing to kinda go through with you is, obviously, there's no sorry.","start":1181.485,"end":1185.325,"sentiment":"neutral","sentiment_score":0.03373970414201419},{"text":"Insurance recommendations.","start":1185.325,"end":1186.305,"sentiment":"neutral","sentiment_score":0.025249440222978592},{"text":"This advice has been provided.","start":1186.445,"end":1188.065,"sentiment":"neutral","sentiment_score":0.09340151846408844},{"text":"There's no implementation fees payable.","start":1188.285,"end":1190.785,"sentiment":"neutral","sentiment_score":0.05278511866927147}],"sentiment":"neutral","sentiment_score":0.04715456999838352,"channel":0,"num_words":28,"start":1180.525,"end":1190.785},{"sentences":[{"text":"But the","start":1191.485,"end":1191.805,"sentiment":"neutral","sentiment_score":0.07179999351501465}],"sentiment":"neutral","sentiment_score":0.07179999351501465,"channel":0,"num_words":2,"start":1191.485,"end":1191.805},{"sentences":[{"text":"Yep.","start":1191.765,"end":1192.265,"sentiment":"neutral","sentiment_score":0.06245934218168259}],"sentiment":"neutral","sentiment_score":0.06245934218168259,"channel":1,"num_words":1,"start":1191.765,"end":1192.265},{"sentences":[{"text":"last couple of years, we have been providing our services and looking after everything and not charging an ongoing service fee.","start":1191.805,"end":1197.92,"sentiment":"neutral","sentiment_score":0.11628153104157675},{"text":"So I am gonna turn the ongoing service fee back on.","start":1197.92,"end":1200.9,"sentiment":"neutral","sentiment_score":0.09107848019762473},{"text":"It","start":1201.28,"end":1201.4401,"sentiment":"neutral","sentiment_score":0.11931287497282028}],"sentiment":"neutral","sentiment_score":0.10797237300060013,"channel":0,"num_words":33,"start":1191.805,"end":1201.4401},{"sentences":[{"text":"Yep.","start":1201.285,"end":1201.785,"sentiment":"neutral","sentiment_score":0.16457799077033997}],"sentiment":"neutral","sentiment_score":0.16457799077033997,"channel":1,"num_words":1,"start":1201.285,"end":1201.785},{"sentences":[{"text":"is 1.65% per annum, and it's deducted in smaller monthly increments.","start":1201.4401,"end":1206.1,"sentiment":"neutral","sentiment_score":0.1144251748919487},{"text":"So I've accounted for that as part of the projection.","start":1206.24,"end":1209.215,"sentiment":"neutral","sentiment_score":0.13277460709214212},{"text":"We're working harder towards your goals,","start":1209.215,"end":1211.375,"sentiment":"positive","sentiment_score":0.37147774795691174}],"sentiment":"neutral","sentiment_score":0.17834405490645655,"channel":0,"num_words":27,"start":1201.4401,"end":1211.375},{"sentences":[{"text":"Yep.","start":1211.34,"end":1211.84,"sentiment":"neutral","sentiment_score":0.3185018002986908}],"sentiment":"neutral","sentiment_score":0.3185018002986908,"channel":1,"num_words":1,"start":1211.34,"end":1211.84},{"sentences":[{"text":"and the ongoing service fee doesn't have a huge impact on that.","start":1211.375,"end":1214.755,"sentiment":"neutral","sentiment_score":0.17649167527755102}],"sentiment":"neutral","sentiment_score":0.17649167527755102,"channel":0,"num_words":12,"start":1211.375,"end":1214.755},{"sentences":[{"text":"Alright.","start":1214.86,"end":1215.36,"sentiment":"neutral","sentiment_score":0.11938755214214324}],"sentiment":"neutral","sentiment_score":0.11938755214214324,"channel":1,"num_words":1,"start":1214.86,"end":1215.36},{"sentences":[{"text":"But it just means that we're getting","start":1214.895,"end":1216.335,"sentiment":"neutral","sentiment_score":0.09051340286220823}],"sentiment":"neutral","sentiment_score":0.09051340286220823,"channel":0,"num_words":7,"start":1214.895,"end":1216.335},{"sentences":[{"text":"Yeah.","start":1216.065,"end":1216.565,"sentiment":"neutral","sentiment_score":0.05650020390748978}],"sentiment":"neutral","sentiment_score":0.05650020390748978,"channel":1,"num_words":1,"start":1216.065,"end":1216.565},{"sentences":[{"text":"paid for our services.","start":1216.335,"end":1217.375,"sentiment":"neutral","sentiment_score":0.07998954504728317},{"text":"We're looking","start":1217.375,"end":1217.9349,"sentiment":"neutral","sentiment_score":0.05313440412282944}],"sentiment":"neutral","sentiment_score":0.0710378314057986,"channel":0,"num_words":6,"start":1216.335,"end":1217.9349},{"sentences":[{"text":"That's","start":1217.9049,"end":1218.145,"sentiment":"neutral","sentiment_score":0.11256025731563568}],"sentiment":"neutral","sentiment_score":0.11256025731563568,"channel":1,"num_words":1,"start":1217.9049,"end":1218.145},{"sentences":[{"text":"after","start":1217.9349,"end":1218.1749,"sentiment":"neutral","sentiment_score":0.12365014851093292}],"sentiment":"neutral","sentiment_score":0.12365014851093292,"channel":0,"num_words":1,"start":1217.9349,"end":1218.1749},{"sentences":[{"text":"fair","start":1218.145,"end":1218.3049,"sentiment":"neutral","sentiment_score":0.18291093409061432}],"sentiment":"neutral","sentiment_score":0.18291093409061432,"channel":1,"num_words":1,"start":1218.145,"end":1218.3049},{"sentences":[{"text":"things,","start":1218.1749,"end":1218.495,"sentiment":"neutral","sentiment_score":0.24935874342918396}],"sentiment":"neutral","sentiment_score":0.24935874342918396,"channel":0,"num_words":1,"start":1218.1749,"end":1218.495},{"sentences":[{"text":"enough.","start":1218.3049,"end":1218.8049,"sentiment":"neutral","sentiment_score":0.2161133587360382}],"sentiment":"neutral","sentiment_score":0.2161133587360382,"channel":1,"num_words":1,"start":1218.3049,"end":1218.8049},{"sentences":[{"text":"and and","start":1218.495,"end":1219.07,"sentiment":"neutral","sentiment_score":0.12287116795778275}],"sentiment":"neutral","sentiment_score":0.12287116795778275,"channel":0,"num_words":2,"start":1218.495,"end":1219.07},{"sentences":[{"text":"K.","start":1218.945,"end":1219.445,"sentiment":"neutral","sentiment_score":0.1504260003566742}],"sentiment":"neutral","sentiment_score":0.1504260003566742,"channel":1,"num_words":1,"start":1218.945,"end":1219.445},{"sentences":[{"text":"we'll keep updating the advice.","start":1219.07,"end":1220.35,"sentiment":"neutral","sentiment_score":0.24672992825508117},{"text":"I'll keep looking after you and working towards your goals.","start":1220.35,"end":1223.09,"sentiment":"positive","sentiment_score":0.3632049039006233}],"sentiment":"neutral","sentiment_score":0.3243799120187759,"channel":0,"num_words":15,"start":1219.07,"end":1223.09},{"sentences":[{"text":"Yeah.","start":1223.265,"end":1223.765,"sentiment":"neutral","sentiment_score":0.09009480476379396}],"sentiment":"neutral","sentiment_score":0.09009480476379396,"channel":1,"num_words":1,"start":1223.265,"end":1223.765},{"sentences":[{"text":"But you'll see in there the ongoing service fee and what that looks like and, essentially, how that works.","start":1223.31,"end":1229.07,"sentiment":"neutral","sentiment_score":0.05372112009086107},{"text":"But one of the big things about our fee is that it is","start":1229.07,"end":1231.665,"sentiment":"neutral","sentiment_score":0.040932014011419736}],"sentiment":"neutral","sentiment_score":0.04852554574608803,"channel":0,"num_words":32,"start":1223.31,"end":1231.665},{"sentences":[{"text":"Yeah.","start":1231.64,"end":1232.14,"sentiment":"neutral","sentiment_score":0.02478152886033058}],"sentiment":"neutral","sentiment_score":0.02478152886033058,"channel":1,"num_words":1,"start":1231.64,"end":1232.14},{"sentences":[{"text":"percentage based, so it fluctuates with the market.","start":1231.905,"end":1233.985,"sentiment":"neutral","sentiment_score":0.015901199309155345},{"text":"So when the market is doing really well, it tells me that our ongoing service fee is gonna be a little bit higher.","start":1233.985,"end":1239.525,"sentiment":"neutral","sentiment_score":0.023080264258643856},{"text":"However, when the market does pay take a bit of a dip there, the amount we're gonna receive is slightly lower as well.","start":1239.665,"end":1245.745,"sentiment":"neutral","sentiment_score":-0.051866390944822975},{"text":"So","start":1245.745,"end":1246.245,"sentiment":"neutral","sentiment_score":0.04207504913210869}],"sentiment":"neutral","sentiment_score":-0.008959932185032151,"channel":0,"num_words":55,"start":1231.905,"end":1246.245},{"sentences":[{"text":"Right.","start":1245.88,"end":1246.1201,"sentiment":"neutral","sentiment_score":0.0589139461517334},{"text":"Yeah.","start":1246.1201,"end":1246.6201,"sentiment":"neutral","sentiment_score":0.07257858663797379}],"sentiment":"neutral","sentiment_score":0.06574626639485359,"channel":1,"num_words":2,"start":1245.88,"end":1246.6201},{"sentences":[{"text":"I just wanted to be open and honest","start":1246.5599,"end":1248.08,"sentiment":"neutral","sentiment_score":0.09195053298026323}],"sentiment":"neutral","sentiment_score":0.09195053298026323,"channel":0,"num_words":8,"start":1246.5599,"end":1248.08},{"sentences":[{"text":"Yeah.","start":1248.0449,"end":1248.2849,"sentiment":"neutral","sentiment_score":0.14948242902755737}],"sentiment":"neutral","sentiment_score":0.14948242902755737,"channel":1,"num_words":1,"start":1248.0449,"end":1248.2849},{"sentences":[{"text":"with you","start":1248.08,"end":1248.32,"sentiment":"neutral","sentiment_score":0.12323489040136337}],"sentiment":"neutral","sentiment_score":0.12323489040136337,"channel":0,"num_words":2,"start":1248.08,"end":1248.32},{"sentences":[{"text":"That's","start":1248.2849,"end":1248.525,"sentiment":"neutral","sentiment_score":0.23566624522209167}],"sentiment":"neutral","sentiment_score":0.23566624522209167,"channel":1,"num_words":1,"start":1248.2849,"end":1248.525},{"sentences":[{"text":"and let","start":1248.32,"end":1248.6399,"sentiment":"neutral","sentiment_score":0.23678900301456451}],"sentiment":"neutral","sentiment_score":0.23678900301456451,"channel":0,"num_words":2,"start":1248.32,"end":1248.6399},{"sentences":[{"text":"fine.","start":1248.525,"end":1248.845,"sentiment":"neutral","sentiment_score":0.290833055973053}],"sentiment":"neutral","sentiment_score":0.290833055973053,"channel":1,"num_words":1,"start":1248.525,"end":1248.845},{"sentences":[{"text":"you know","start":1248.6399,"end":1248.88,"sentiment":"neutral","sentiment_score":0.19317715615034103}],"sentiment":"neutral","sentiment_score":0.19317715615034103,"channel":0,"num_words":2,"start":1248.6399,"end":1248.88},{"sentences":[{"text":"Yep.","start":1248.845,"end":1249.345,"sentiment":"neutral","sentiment_score":0.26117029786109924}],"sentiment":"neutral","sentiment_score":0.26117029786109924,"channel":1,"num_words":1,"start":1248.845,"end":1249.345},{"sentences":[{"text":"I do wanna turn that on to keep monitoring things and looking after you.","start":1248.88,"end":1252.34,"sentiment":"neutral","sentiment_score":0.292515044765813}],"sentiment":"neutral","sentiment_score":0.292515044765813,"channel":0,"num_words":14,"start":1248.88,"end":1252.34},{"sentences":[{"text":"Yep.","start":1252.365,"end":1252.865,"sentiment":"neutral","sentiment_score":0.23421719670295715}],"sentiment":"neutral","sentiment_score":0.23421719670295715,"channel":1,"num_words":1,"start":1252.365,"end":1252.865},{"sentences":[{"text":"But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time.","start":1252.3999,"end":1260.24,"sentiment":"positive","sentiment_score":0.44774111886234846}],"sentiment":"positive","sentiment_score":0.44774111886234846,"channel":0,"num_words":34,"start":1252.3999,"end":1260.24},{"sentences":[{"text":"Yep.","start":1259.965,"end":1260.365,"sentiment":"neutral","sentiment_score":0.22522187232971191}],"sentiment":"neutral","sentiment_score":0.22522187232971191,"channel":1,"num_words":1,"start":1259.965,"end":1260.365},{"sentences":[{"text":"Okay?","start":1260.24,"end":1260.74,"sentiment":"neutral","sentiment_score":0.28254222869873047}],"sentiment":"neutral","sentiment_score":0.28254222869873047,"channel":0,"num_words":1,"start":1260.24,"end":1260.74},{"sentences":[{"text":"Sounds good.","start":1260.365,"end":1261.23,"sentiment":"positive","sentiment_score":0.557603508234024}],"sentiment":"positive","sentiment_score":0.557603508234024,"channel":1,"num_words":2,"start":1260.365,"end":1261.23},{"sentences":[{"text":"All good.","start":1261.8251,"end":1262.645,"sentiment":"positive","sentiment_score":0.4757033884525299}],"sentiment":"positive","sentiment_score":0.4757033884525299,"channel":0,"num_words":2,"start":1261.8251,"end":1262.645},{"sentences":[{"text":"Okay.","start":1262.6699,"end":1263.1699,"sentiment":"neutral","sentiment_score":0.14904776215553284}],"sentiment":"neutral","sentiment_score":0.14904776215553284,"channel":1,"num_words":1,"start":1262.6699,"end":1263.1699},{"sentences":[{"text":"I know it's a lot, and I'm so sorry.","start":1262.9451,"end":1264.9651,"sentiment":"neutral","sentiment_score":-0.02039157749257154}],"sentiment":"neutral","sentiment_score":-0.02039157749257154,"channel":0,"num_words":9,"start":1262.9451,"end":1264.9651},{"sentences":[{"text":"That's alright.","start":1264.91,"end":1265.65,"sentiment":"neutral","sentiment_score":0.020338639616966248}],"sentiment":"neutral","sentiment_score":0.020338639616966248,"channel":1,"num_words":2,"start":1264.91,"end":1265.65},{"sentences":[{"text":"I will email this through to you now so you can also have a bit of a look at it.","start":1266.0651,"end":1269.7451,"sentiment":"neutral","sentiment_score":0.16366702727973462},{"text":"If","start":1269.7451,"end":1269.9851,"sentiment":"neutral","sentiment_score":0.15792980790138245}],"sentiment":"neutral","sentiment_score":0.16339382635695593,"channel":0,"num_words":21,"start":1266.0651,"end":1269.9851},{"sentences":[{"text":"Yep.","start":1269.87,"end":1270.37,"sentiment":"neutral","sentiment_score":0.12113231420516968}],"sentiment":"neutral","sentiment_score":0.12113231420516968,"channel":1,"num_words":1,"start":1269.87,"end":1270.37},{"sentences":[{"text":"you have any questions, Glenn, you're welcome to let me know.","start":1269.9851,"end":1273.045,"sentiment":"neutral","sentiment_score":0.25183819098906085}],"sentiment":"neutral","sentiment_score":0.25183819098906085,"channel":0,"num_words":11,"start":1269.9851,"end":1273.045},{"sentences":[{"text":"Yep.","start":1273.3099,"end":1273.8099,"sentiment":"neutral","sentiment_score":0.1986355036497116}],"sentiment":"neutral","sentiment_score":0.1986355036497116,"channel":1,"num_words":1,"start":1273.3099,"end":1273.8099},{"sentences":[{"text":"If you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me.","start":1273.425,"end":1280.92,"sentiment":"neutral","sentiment_score":0.26534281229531326},{"text":"Yeah.","start":1280.92,"end":1281.4,"sentiment":"neutral","sentiment_score":0.23358571529388428}],"sentiment":"neutral","sentiment_score":0.26420863025954794,"channel":0,"num_words":28,"start":1273.425,"end":1281.4},{"sentences":[{"text":"Yep.","start":1281.3351,"end":1281.8351,"sentiment":"neutral","sentiment_score":0.2209783047437668}],"sentiment":"neutral","sentiment_score":0.2209783047437668,"channel":1,"num_words":1,"start":1281.3351,"end":1281.8351},{"sentences":[{"text":"And then my team will start by essentially completing the investment switch in the account.","start":1281.4,"end":1286.52,"sentiment":"neutral","sentiment_score":0.2768875827391942},{"text":"So you'll","start":1286.52,"end":1286.92,"sentiment":"neutral","sentiment_score":0.18918129056692123}],"sentiment":"neutral","sentiment_score":0.26656919542480917,"channel":0,"num_words":17,"start":1281.4,"end":1286.92},{"sentences":[{"text":"Alright.","start":1286.89,"end":1287.39,"sentiment":"neutral","sentiment_score":0.10638194531202316}],"sentiment":"neutral","sentiment_score":0.10638194531202316,"channel":1,"num_words":1,"start":1286.89,"end":1287.39},{"sentences":[{"text":"see us buying and selling in the back end, which will be really cool in rebalancing everything for you.","start":1286.92,"end":1291.485,"sentiment":"positive","sentiment_score":0.4716447082005049},{"text":"We'll then give you the salary sacrifice letter to give to your employer, and we'll help with the beneficiary nominations to be a nice easy implementation process.","start":1291.8049,"end":1299.585,"sentiment":"positive","sentiment_score":0.37060580982102287}],"sentiment":"positive","sentiment_score":0.41233926784733066,"channel":0,"num_words":46,"start":1286.92,"end":1299.585},{"sentences":[{"text":"Yep.","start":1299.21,"end":1299.37,"sentiment":"positive","sentiment_score":0.39234039187431335},{"text":"Sounds good.","start":1299.37,"end":1300.19,"sentiment":"positive","sentiment_score":0.6115835607051849}],"sentiment":"positive","sentiment_score":0.5385025044282278,"channel":1,"num_words":3,"start":1299.21,"end":1300.19},{"sentences":[{"text":"Do you have any questions for me?","start":1300.605,"end":1302.125,"sentiment":"neutral","sentiment_score":0.1529237926006317}],"sentiment":"neutral","sentiment_score":0.1529237926006317,"channel":0,"num_words":7,"start":1300.605,"end":1302.125},{"sentences":[{"text":"No.","start":1302.005,"end":1302.1649,"sentiment":"neutral","sentiment_score":-0.07959296554327011}],"sentiment":"neutral","sentiment_score":-0.07959296554327011,"channel":1,"num_words":1,"start":1302.005,"end":1302.1649},{"sentences":[{"text":"I'm","start":1302.125,"end":1302.365,"sentiment":"neutral","sentiment_score":-0.05548901483416557}],"sentiment":"neutral","sentiment_score":-0.05548901483416557,"channel":0,"num_words":1,"start":1302.125,"end":1302.365},{"sentences":[{"text":"That's","start":1302.1649,"end":1302.4049,"sentiment":"neutral","sentiment_score":-0.05047842860221863}],"sentiment":"neutral","sentiment_score":-0.05047842860221863,"channel":1,"num_words":1,"start":1302.1649,"end":1302.4049},{"sentences":[{"text":"so","start":1302.365,"end":1302.605,"sentiment":"neutral","sentiment_score":0.0016186758875846865}],"sentiment":"neutral","sentiment_score":0.0016186758875846865,"channel":0,"num_words":1,"start":1302.365,"end":1302.605},{"sentences":[{"text":"all.","start":1302.4049,"end":1302.725,"sentiment":"neutral","sentiment_score":-0.007240401580929756}],"sentiment":"neutral","sentiment_score":-0.007240401580929756,"channel":1,"num_words":1,"start":1302.4049,"end":1302.725},{"sentences":[{"text":"sorry.","start":1302.605,"end":1303.005,"sentiment":"neutral","sentiment_score":-0.06929858028888702}],"sentiment":"neutral","sentiment_score":-0.06929858028888702,"channel":0,"num_words":1,"start":1302.605,"end":1303.005},{"sentences":[{"text":"No.","start":1302.725,"end":1303.205,"sentiment":"neutral","sentiment_score":-0.08123598247766495}],"sentiment":"neutral","sentiment_score":-0.08123598247766495,"channel":1,"num_words":1,"start":1302.725,"end":1303.205},{"sentences":[{"text":"It","start":1303.005,"end":1303.165,"sentiment":"neutral","sentiment_score":-0.05510441213846207}],"sentiment":"neutral","sentiment_score":-0.05510441213846207,"channel":0,"num_words":1,"start":1303.005,"end":1303.165},{"sentences":[{"text":"No.","start":1303.205,"end":1303.445,"sentiment":"neutral","sentiment_score":-0.07086517661809921}],"sentiment":"neutral","sentiment_score":-0.07086517661809921,"channel":1,"num_words":1,"start":1303.205,"end":1303.445},{"sentences":[{"text":"it's","start":1303.245,"end":1303.485,"sentiment":"neutral","sentiment_score":-0.05215447396039963}],"sentiment":"neutral","sentiment_score":-0.05215447396039963,"channel":0,"num_words":1,"start":1303.245,"end":1303.485},{"sentences":[{"text":"That's","start":1303.445,"end":1303.6849,"sentiment":"neutral","sentiment_score":-0.000775601714849472}],"sentiment":"neutral","sentiment_score":-0.000775601714849472,"channel":1,"num_words":1,"start":1303.445,"end":1303.6849},{"sentences":[{"text":"a lot","start":1303.485,"end":1303.885,"sentiment":"neutral","sentiment_score":0.06672143191099167}],"sentiment":"neutral","sentiment_score":0.06672143191099167,"channel":0,"num_words":2,"start":1303.485,"end":1303.885},{"sentences":[{"text":"fine.","start":1303.6849,"end":1303.9249,"sentiment":"neutral","sentiment_score":0.0020294375717639923}],"sentiment":"neutral","sentiment_score":0.0020294375717639923,"channel":1,"num_words":1,"start":1303.6849,"end":1303.9249},{"sentences":[{"text":"to","start":1303.885,"end":1304.045,"sentiment":"neutral","sentiment_score":-0.001781372353434563}],"sentiment":"neutral","sentiment_score":-0.001781372353434563,"channel":0,"num_words":1,"start":1303.885,"end":1304.045},{"sentences":[{"text":"That's","start":1303.9249,"end":1304.1649,"sentiment":"neutral","sentiment_score":0.04658875986933708}],"sentiment":"neutral","sentiment_score":0.04658875986933708,"channel":1,"num_words":1,"start":1303.9249,"end":1304.1649},{"sentences":[{"text":"kinda","start":1304.045,"end":1304.365,"sentiment":"neutral","sentiment_score":0.04957688227295875}],"sentiment":"neutral","sentiment_score":0.04957688227295875,"channel":0,"num_words":1,"start":1304.045,"end":1304.365},{"sentences":[{"text":"all.","start":1304.1649,"end":1304.6649,"sentiment":"neutral","sentiment_score":0.013265334069728851}],"sentiment":"neutral","sentiment_score":0.013265334069728851,"channel":1,"num_words":1,"start":1304.1649,"end":1304.6649},{"sentences":[{"text":"go through.","start":1304.365,"end":1305.025,"sentiment":"neutral","sentiment_score":0.01780279539525509}],"sentiment":"neutral","sentiment_score":0.01780279539525509,"channel":0,"num_words":2,"start":1304.365,"end":1305.025},{"sentences":[{"text":"No.","start":1305.205,"end":1305.365,"sentiment":"neutral","sentiment_score":-0.05412302538752556},{"text":"I think you've everything's fine.","start":1305.365,"end":1306.6449,"sentiment":"neutral","sentiment_score":0.19175187051296233},{"text":"It's pretty self self explanatory.","start":1306.6449,"end":1308.1849,"sentiment":"neutral","sentiment_score":0.22292232513427734},{"text":"So","start":1308.245,"end":1308.485,"sentiment":"neutral","sentiment_score":0.1728675663471222}],"sentiment":"neutral","sentiment_score":0.18267629326631626,"channel":1,"num_words":12,"start":1305.205,"end":1308.485},{"sentences":[{"text":"Oh,","start":1308.26,"end":1308.76,"sentiment":"neutral","sentiment_score":0.2712096869945526}],"sentiment":"neutral","sentiment_score":0.2712096869945526,"channel":0,"num_words":1,"start":1308.26,"end":1308.76},{"sentences":[{"text":"I'll get them forms, and","start":1308.485,"end":1309.365,"sentiment":"positive","sentiment_score":0.35513995587825775}],"sentiment":"positive","sentiment_score":0.35513995587825775,"channel":1,"num_words":5,"start":1308.485,"end":1309.365},{"sentences":[{"text":"beautiful.","start":1309.3,"end":1309.8,"sentiment":"positive","sentiment_score":0.622483491897583}],"sentiment":"positive","sentiment_score":0.622483491897583,"channel":0,"num_words":1,"start":1309.3,"end":1309.8},{"sentences":[{"text":"I'll send them out and send them on.","start":1309.365,"end":1310.725,"sentiment":"positive","sentiment_score":0.4179479442536831},{"text":"Send it through.","start":1310.725,"end":1311.5449,"sentiment":"positive","sentiment_score":0.3345347543557485}],"sentiment":"positive","sentiment_score":0.3951988924633373,"channel":1,"num_words":11,"start":1309.365,"end":1311.5449},{"sentences":[{"text":"You're a legend.","start":1311.22,"end":1312.26,"sentiment":"positive","sentiment_score":0.7509105602900187},{"text":"Thank you","start":1312.26,"end":1312.74,"sentiment":"positive","sentiment_score":0.8728043437004089}],"sentiment":"positive","sentiment_score":0.7996680736541748,"channel":0,"num_words":5,"start":1311.22,"end":1312.74},{"sentences":[{"text":"Lovely.","start":1312.725,"end":1313.225,"sentiment":"positive","sentiment_score":0.8436108827590942}],"sentiment":"positive","sentiment_score":0.8436108827590942,"channel":1,"num_words":1,"start":1312.725,"end":1313.225},{"sentences":[{"text":"so much.","start":1312.74,"end":1313.3,"sentiment":"positive","sentiment_score":0.7717375159263611},{"text":"I will","start":1313.3,"end":1313.62,"sentiment":"positive","sentiment_score":0.6485926508903503}],"sentiment":"positive","sentiment_score":0.7101650834083557,"channel":0,"num_words":4,"start":1312.74,"end":1313.62},{"sentences":[{"text":"Thanks,","start":1313.5249,"end":1313.9249,"sentiment":"positive","sentiment_score":0.6898864507675171}],"sentiment":"positive","sentiment_score":0.6898864507675171,"channel":1,"num_words":1,"start":1313.5249,"end":1313.9249},{"sentences":[{"text":"let you","start":1313.62,"end":1313.9401,"sentiment":"positive","sentiment_score":0.747660219669342}],"sentiment":"positive","sentiment_score":0.747660219669342,"channel":0,"num_words":2,"start":1313.62,"end":1313.9401},{"sentences":[{"text":"Dana.","start":1313.9249,"end":1314.4249,"sentiment":"positive","sentiment_score":0.5753507614135742}],"sentiment":"positive","sentiment_score":0.5753507614135742,"channel":1,"num_words":1,"start":1313.9249,"end":1314.4249},{"sentences":[{"text":"go to enjoy your afternoon.","start":1313.9401,"end":1315.4,"sentiment":"positive","sentiment_score":0.6735922455787658},{"text":"I'll","start":1315.54,"end":1315.7,"sentiment":"neutral","sentiment_score":0.19792847335338593}],"sentiment":"positive","sentiment_score":0.5943149502078692,"channel":0,"num_words":6,"start":1313.9401,"end":1315.7},{"sentences":[{"text":"You","start":1315.605,"end":1315.9249,"sentiment":"neutral","sentiment_score":0.12481547892093658}],"sentiment":"neutral","sentiment_score":0.12481547892093658,"channel":1,"num_words":1,"start":1315.605,"end":1315.9249},{"sentences":[{"text":"send","start":1315.7,"end":1315.9401,"sentiment":"neutral","sentiment_score":0.2634103298187256}],"sentiment":"neutral","sentiment_score":0.2634103298187256,"channel":0,"num_words":1,"start":1315.7,"end":1315.9401},{"sentences":[{"text":"too.","start":1315.9249,"end":1316.28,"sentiment":"neutral","sentiment_score":0.1833186447620392}],"sentiment":"neutral","sentiment_score":0.1833186447620392,"channel":1,"num_words":1,"start":1315.9249,"end":1316.28},{"sentences":[{"text":"this to you now.","start":1315.9401,"end":1316.66,"sentiment":"neutral","sentiment_score":0.30769309401512146},{"text":"If you have any questions, you let me know.","start":1316.66,"end":1318.58,"sentiment":"neutral","sentiment_score":0.1595966178509924},{"text":"Okay?","start":1318.58,"end":1319.08,"sentiment":"neutral","sentiment_score":0.14535951614379883}],"sentiment":"neutral","sentiment_score":0.20089296091880118,"channel":0,"num_words":14,"start":1315.9401,"end":1319.08},{"sentences":[{"text":"Not a problem.","start":1319.24,"end":1319.88,"sentiment":"positive","sentiment_score":0.4069259564081828},{"text":"Thanks very much.","start":1319.88,"end":1320.86,"sentiment":"positive","sentiment_score":0.7770487070083618}],"sentiment":"positive","sentiment_score":0.5919873317082723,"channel":1,"num_words":6,"start":1319.24,"end":1320.86},{"sentences":[{"text":"No worries.","start":1321.2329,"end":1321.953,"sentiment":"positive","sentiment_score":0.41119077801704407},{"text":"Enjoy","start":1321.953,"end":1322.3529,"sentiment":"positive","sentiment_score":0.5440034866333008}],"sentiment":"positive","sentiment_score":0.45546168088912964,"channel":0,"num_words":3,"start":1321.2329,"end":1322.3529},{"sentences":[{"text":"Okay.","start":1322.12,"end":1322.62,"sentiment":"positive","sentiment_score":0.3530876636505127}],"sentiment":"positive","sentiment_score":0.3530876636505127,"channel":1,"num_words":1,"start":1322.12,"end":1322.62},{"sentences":[{"text":"your afternoon.","start":1322.3529,"end":1323.013,"sentiment":"positive","sentiment_score":0.44235968589782715}],"sentiment":"positive","sentiment_score":0.44235968589782715,"channel":0,"num_words":2,"start":1322.3529,"end":1323.013},{"sentences":[{"text":"Yeah.","start":1322.76,"end":1323.0801,"sentiment":"neutral","sentiment_score":0.30560439825057983}],"sentiment":"neutral","sentiment_score":0.30560439825057983,"channel":1,"num_words":1,"start":1322.76,"end":1323.0801},{"sentences":[{"text":"Thanks,","start":1323.073,"end":1323.393,"sentiment":"positive","sentiment_score":0.5284962058067322}],"sentiment":"positive","sentiment_score":0.5284962058067322,"channel":0,"num_words":1,"start":1323.073,"end":1323.393},{"sentences":[{"text":"You too.","start":1323.0801,"end":1323.48,"sentiment":"positive","sentiment_score":0.4851080924272537}],"sentiment":"positive","sentiment_score":0.4851080924272537,"channel":1,"num_words":2,"start":1323.0801,"end":1323.48},{"sentences":[{"text":"Glenn.","start":1323.393,"end":1323.893,"sentiment":"positive","sentiment_score":0.35828083753585815}],"sentiment":"positive","sentiment_score":0.35828083753585815,"channel":0,"num_words":1,"start":1323.393,"end":1323.893},{"sentences":[{"text":"Thanks, Jonah.","start":1323.48,"end":1324.12,"sentiment":"positive","sentiment_score":0.6041125059127808},{"text":"Bye.","start":1324.12,"end":1324.4401,"sentiment":"positive","sentiment_score":0.4032936990261078}],"sentiment":"positive","sentiment_score":0.5371729036172231,"channel":1,"num_words":3,"start":1323.48,"end":1324.4401},{"sentences":[{"text":"See","start":1324.3529,"end":1324.513,"sentiment":"neutral","sentiment_score":0.21046364307403564}],"sentiment":"neutral","sentiment_score":0.21046364307403564,"channel":0,"num_words":1,"start":1324.3529,"end":1324.513},{"sentences":[{"text":"Bye.","start":1324.4401,"end":1324.9401,"sentiment":"neutral","sentiment_score":0.23224765062332153}],"sentiment":"neutral","sentiment_score":0.23224765062332153,"channel":1,"num_words":1,"start":1324.4401,"end":1324.9401},{"sentences":[{"text":"you later.","start":1324.513,"end":1325.073,"sentiment":"neutral","sentiment_score":0.2815868854522705},{"text":"Bye.","start":1325.073,"end":1325.573,"sentiment":"neutral","sentiment_score":0.1781734824180603}],"sentiment":"neutral","sentiment_score":0.24711575110753378,"channel":0,"num_words":3,"start":1324.513,"end":1325.573},{"sentences":[{"text":"Bye.","start":1325.24,"end":1325.74,"sentiment":"neutral","sentiment_score":-0.10305521637201308}],"sentiment":"neutral","sentiment_score":-0.10305521637201308,"channel":1,"num_words":1,"start":1325.24,"end":1325.74}]},"summary":{"result":"success","short":"The Oakey Financial representative discusses Glenn's updated advice document and retirement planning process with him. They recommend building a safety net for him to cover potential accidents and offer advice on other areas, including investment and retirement plans. The agent advises Glenn to retain his Hub 24 super account and commence a salary sacrifice arrangement to contribute to the program. They also discuss retirement planning and global health care and robotics, as well as the importance of updating beneficiaries and nominating beneficiaries for coverage. The speaker emphasizes the benefits of working with a financial adviser and recommends a binding beneficiary norm."},"intents":{"segments":[{"text":"I had an updated advice document to go through with you this afternoon. Is now still a good time there for you? Yeah.","start_word":23,"end_word":45,"intents":[{"intent":"Update adviser documents","confidence_score":0.0068505635}]},{"text":"Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there. It takes take a lot of it in. Essentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial. My adviser registration number through ASIC is 1304394. Okay?","start_word":381,"end_word":444,"intents":[{"intent":"Provide advice","confidence_score":0.14632344}]},{"text":"With the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you. At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week. Does that still sound fairly accurate Yep. for where you're at at the moment? Yeah.","start_word":489,"end_word":565,"intents":[{"intent":"Evaluate super impact","confidence_score":0.00033361177}]},{"text":"I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most Yeah.","start_word":651,"end_word":702,"intents":[{"intent":"Recommend recommendation","confidence_score":0.08279637}]},{"text":"I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super.","start_word":746,"end_word":763,"intents":[{"intent":"Check super access","confidence_score":0.020272246}]},{"text":"In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net. If you wanted Yep.","start_word":1244,"end_word":1299,"intents":[{"intent":"Discuss super investments and options","confidence_score":0.00018112535}]},{"text":"it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those Yep. sorts That of sounds options good.","start_word":1486,"end_word":1513,"intents":[{"intent":"Discuss the benefits of yep super","confidence_score":0.00026779925}]},{"text":"Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account. Hub Yep.","start_word":1616,"end_word":1640,"intents":[{"intent":"Recommend keeping yep super account","confidence_score":0.018947411}]},{"text":"I am also recommending that you do commence a Yep. salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the Yep. super there.","start_word":1687,"end_word":1715,"intents":[{"intent":"Discuss yep salary sacrifice arrangement and contribute extra $50 per week","confidence_score":0.00001371766},{"intent":"Recommend starting yep and adding extra $50 per week","confidence_score":4.0090399e-7}]},{"text":"Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super.","start_word":1726,"end_word":1747,"intents":[{"intent":"Discuss how to close a gap","confidence_score":0.000032491793}]},{"text":"can provide a bit more of a benefit for you down the track. And instead Tracking of it. having Yep. the, yeah, instead of having the money invested essentially in sorry. Instead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%. So Alright.","start_word":1811,"end_word":1868,"intents":[{"intent":"Track investment behavior","confidence_score":0.000024342262}]},{"text":"So as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no. We wanna remove that out. It's no longer seen as a quality investment to keep in super, and the Right.","start_word":2146,"end_word":2186,"intents":[{"intent":"Remove ben from investment portfolio","confidence_score":0.06543865}]},{"text":"we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids.","start_word":2242,"end_word":2258,"intents":[{"intent":"Sell out benelon equities","confidence_score":0.098949656}]},{"text":"and can provide you a greater benefit over the next sort of ten odd years there. Okay? Yes.","start_word":2328,"end_word":2345,"intents":[{"intent":"Get greater returns","confidence_score":0.0024305678}]},{"text":"You'll see a little bit of cybersecurity in there again about 7%. This is sort of reaching out of branching into other areas to try and get greater potential returns. Cyber security is still quite a big area to be invested in. Yeah.","start_word":2443,"end_word":2485,"intents":[{"intent":"Explore cyber security investments","confidence_score":0.0005353325}]},{"text":"As much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there. Yes.","start_word":2488,"end_word":2521,"intents":[{"intent":"Assess us equities","confidence_score":0.00078543415}]},{"text":"I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000. With Yes.","start_word":3501,"end_word":3580,"intents":[{"intent":"Propose future growth portfolio","confidence_score":0.00503002}]},{"text":"With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope. You still got over ten years to go. So Yes.","start_word":3638,"end_word":3669,"intents":[{"intent":"Track retirement","confidence_score":0.42190242},{"intent":"Discuss retirement age","confidence_score":0.028723536}]},{"text":"But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals.","start_word":3683,"end_word":3726,"intents":[{"intent":"Predict retirement age","confidence_score":0.004517069},{"intent":"Emphasize retirement age","confidence_score":0.0031259705}]},{"text":"So we sort of talked about drawing down regular income of about 35,000 on a yearly basis there. Yes.","start_word":3727,"end_word":3745,"intents":[{"intent":"Plan retirement goals","confidence_score":0.0037134315},{"intent":"Confirm retirement goals","confidence_score":0.0022163503}]},{"text":"But I'll keep you updated. That's We'll fine. keep reviewing Yep.","start_word":3879,"end_word":3889,"intents":[{"intent":"Keep updated","confidence_score":0.14117238}]},{"text":"I am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse. That way, Yep.","start_word":4064,"end_word":4084,"intents":[{"intent":"Recommend non-leaving norm","confidence_score":0.00043498163}]},{"text":"So I am gonna turn the ongoing service fee back on. It Yep.","start_word":4276,"end_word":4288,"intents":[{"intent":"Turn service fee on","confidence_score":0.06129402}]},{"text":"we'll keep updating the advice. I'll keep looking after you and working towards your goals. Yeah.","start_word":4351,"end_word":4366,"intents":[{"intent":"Update advice","confidence_score":0.31636164}]},{"text":"I do wanna turn that on to keep monitoring things and looking after you. Yep. But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time. Yep.","start_word":4475,"end_word":4524,"intents":[{"intent":"Monitor goals","confidence_score":0.5581373}]},{"text":"If you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me. Yeah.","start_word":4576,"end_word":4603,"intents":[{"intent":"Make recommendations","confidence_score":0.060975395}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Glenn. It's Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.16464002430438995},{"text":"Good day.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.3728242516517639},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.29390648007392883},{"text":"I'm very well. Thank you. I had an updated advice document to go through with you this afternoon.","start_word":18,"end_word":35,"sentiment":"positive","sentiment_score":0.46543312072753906},{"text":"Is now still a good time there for you? Yeah. That's fine. Yep.","start_word":36,"end_word":48,"sentiment":"neutral","sentiment_score":0.23671531677246097},{"text":"Fantastic.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.43300214409828186},{"text":"Do you happen to have access to your emails? If you don't, that's No. absolutely I don't. It's okay. yeah. Sorry. I I I can get it on the phone. Yeah. That's okay. Did you want me to send that one through so you can have a look Yep. at it, or did you Yep. want me just to kinda run through it? Yeah? I just Perfect. got through it. That's fine. Yeah. That's okay. Well, what I'll do is I'll send this one out after the call. I know we sort of spoke late last year, and I do apologize for the time it's taken to get this together. I've just been extremely busy. I've got some updated advice. We sort of had a look and wanted to go through things and update everything for you, and there's been some Yep. changes that I wanted to recently update. This is why I've kinda gone back and redone it. Yep. Just before we jump into the call there, I do need to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's the one. Yep. No worries. Yep. Beautiful. And I do need to do security there with you as well. We are discussing your personal information. Yep. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Glenn Andrew Bynum. Twenty third. Excuse me. 10 Centurion, Yeah. Traitamore, New South Wales 2714. Perfect.","start_word":50,"end_word":309,"sentiment":"neutral","sentiment_score":0.022847196087241173},{"text":"Thank you so much for that.","start_word":310,"end_word":315,"sentiment":"positive","sentiment_score":0.3915047943592071},{"text":"How's your day been? I know you've been working some long hours recently. How's Yeah. today It's gone? wet. It rained all day. Yeah. So Wow. we need the rain. Absolutely. Yep. Absolutely. And you're almost halfway through the week. Yep.","start_word":316,"end_word":356,"sentiment":"neutral","sentiment_score":0.05361804856759746},{"text":"Thank god. It's amazing.","start_word":357,"end_word":360,"sentiment":"positive","sentiment_score":0.6226130127906799},{"text":"We're already Oh, in March. This year is flying no. by. It's It's crazy. crazy, isn't it? Yep. All good. Well, when this advice document comes through, you'll be able to have a bit of a look at it later when you've got your screen there. It takes take a lot of it in. Essentially, it has been prepared for yourself, Glenn Burnham, there as from myself and my lovely team here at Oakview Financial. My adviser registration number through ASIC is 1304394. Okay? Yep. The advice we have for bearing has been provided in your best interest, so we always make sure we're going through the details of updating your circumstances, looking at your goals so that we are working towards your goals moving forward. Okay? Yes. With the areas that we have scoped in with regards to the advice, we have looked at superannuation and estate planning in scoping areas to make sure your super is working harder for you. At the time that we spoke, you were hoping to be able to retire at around about age 65 and, hopefully, your income of about $1,000 a week. Does that still sound fairly accurate Yep. for where you're at at the moment? Yeah. That's fine. Yeah. Beautiful. You are comfortable about looking looking at whether you needed to maybe start making additional contributions to Super to Yeah. sort of help you along to meet that goal, and I've had a really good look, and I've made a recommendation there for you. Okay? With the estate planning side of things, I had a really good look, and it looks like we don't have a beneficiary nominal no nomination on file for your super there at the moment. So Yep. I have made a recommendation to make sure one is applied and make sure it's implied in your best wishes to make sure that in the event that something was to happen, that you are able to you know, your beneficiary is able to claim on your super in the most Yeah. effective way for you. Okay. We all thought I've already done that. It looks like and I had a look on file, and I can't see one applied. So we will make sure that is Yep. updated for you. Okay?","start_word":361,"end_word":742,"sentiment":"neutral","sentiment_score":0.10497696794257426},{"text":"All Yep. good. I've scoped into a limited scope, just the retirement planning, so you are getting closer to accessing super.","start_word":743,"end_word":763,"sentiment":"positive","sentiment_score":0.3587534427642822},{"text":"I wanted to make sure that you kind of get a bit of an idea of where we're heading, where we're tracking for at the moment with regard to that. Yep. You're in your fifties, so you are getting closer to those retirement years. So not only Yep.","start_word":764,"end_word":811,"sentiment":"neutral","sentiment_score":0.2523573637008667},{"text":"just looking at super, but kinda showing you what we're on track for based on the recommendations there.","start_word":812,"end_word":829,"sentiment":"positive","sentiment_score":0.3364429473876953},{"text":"Okay? Got it. One of the things we also did talk about was the insurance side of things. So we did you did want me to go back and see if I was able to get any cover for you. I did go back and look and do a lot of research and a lot of willing and dealing with regard to the insurance side of things.","start_word":830,"end_word":896,"sentiment":"neutral","sentiment_score":-0.0958482027053833},{"text":"Because you had a TPD claim back a while ago, it was gonna be difficult.","start_word":897,"end_word":911,"sentiment":"negative","sentiment_score":-0.40311023592948914},{"text":"Yeah. Yeah. I'll maybe I did mention speak that. yeah. I did speak to the insurers, and because of the reason for the TPD claim, which was the lung cancer diagnosis, they actually Yep.","start_word":912,"end_word":945,"sentiment":"neutral","sentiment_score":-0.2160378098487854},{"text":"come back saying they're not willing to offer any cover at all. We are not even able to get life or trauma at the moment.","start_word":946,"end_word":970,"sentiment":"negative","sentiment_score":-0.5248664021492004},{"text":"So what Okay. I've wanted to do we tried. We we gave it our best shot. Yep. So it does mean that we are not able to make a recommendation, and we're not able to meet your insurance goal. However, because you are in your fifties, I wanted to put a bit more focus into your super.","start_word":971,"end_word":1027,"sentiment":"neutral","sentiment_score":0.0011822727974504232},{"text":"Let's boost your super to kind Yep.","start_word":1028,"end_word":1034,"sentiment":"positive","sentiment_score":0.48647141456604},{"text":"of close that gap.","start_word":1035,"end_word":1038,"sentiment":"neutral","sentiment_score":0.27568480372428894},{"text":"So if anything happens from the age of 60 onwards, you're able to access your super.","start_word":1039,"end_word":1054,"sentiment":"positive","sentiment_score":0.3517650067806244},{"text":"Okay. Even I see it. before the age of 60, say, if something was to happen to you and you were to, you know, have to claim PPD and you could get the doctors to sign off on that, then we Yep.","start_word":1055,"end_word":1096,"sentiment":"neutral","sentiment_score":-0.1836407690175942},{"text":"also can claim permanent incapacity against your super.","start_word":1097,"end_word":1104,"sentiment":"negative","sentiment_score":-0.43705567717552185},{"text":"So Yeah. there's it's it's still leaving a bit of a gap there, but there are things that we can do down the track. So I wanted to be open and honest there, and I figured since we can't get the insurance, if we're not able to meet that Yeah.","start_word":1105,"end_word":1154,"sentiment":"neutral","sentiment_score":-0.17760920524597168},{"text":"goal, let's focus on Super and try to build that as much as we possibly Yep.","start_word":1155,"end_word":1170,"sentiment":"positive","sentiment_score":0.4279038608074188},{"text":"can. Okay? With certain gun protection, is that something I'd probably should do sort of privately myself if I wanted With to? income protection, Yeah. you can try, but it is gonna be very, very difficult because you do have to disclose you've had a d a TPD claim in the past.","start_word":1171,"end_word":1222,"sentiment":"neutral","sentiment_score":-0.16325217485427856},{"text":"They're gonna wanna understand why that claim occurred. Yeah. Fair Disability and income protection is gonna be very difficult.","start_word":1223,"end_word":1241,"sentiment":"negative","sentiment_score":-0.4244843125343323},{"text":"enough. Yep. In saying that, what we can also look at and what one of the alternatives I've sort of considered is, if you've got some extra money and you maybe wanna look at building investments outside of Super, we can always look at doing that to kind of help build a safety net. If you wanted Yep. advice in other areas, because I'm a full licensed adviser, if you wanted maybe cash flow and budgeting advice to help build a savings account to give you, like, a safety net in the event that you're not working and need Yep. a bit of, you know, an emergency fund to fall back on if you wanted to look at investing outside of super and building wealth in other areas there. Yeah. I can help and provide advice on those. And, I mean, when it comes, yeah, but when it comes to insurances, we kind of look at that as sort of the be on end or as the protection if something was to happen. Yes. But at the end of the day, insurances only provide a certain level of cover that can still be a gap involved. So whilst we're not able to get cover, we can look at building wealth and closing the gap in other ways for you, whether it be building savings in in a bank account somewhere or whether we're looking at investing down the track as well. So if Yep. it's something you wanted to look at, you let me know when you're ready, and we can definitely talk about those Yep. sorts That of sounds options good. for you. Okay?","start_word":1242,"end_word":1516,"sentiment":"neutral","sentiment_score":0.1109651280804114},{"text":"Perfect.","start_word":1517,"end_word":1517,"sentiment":"positive","sentiment_score":0.598425030708313},{"text":"I'll jump sort of into the recommendations. Now as you are going through this document when you are seeing it there, have a double check of your assets and liabilities. We have things noted, like your boat, your caravandy contents, and your Nissan Navara Yep. there Yep. with the current values we had noted. If you find there are changes, please do let me know. I can update everything in the back end. The good news is no changes to those affect the advice in any way at the moment. Oh, that's Okay.","start_word":1518,"end_word":1610,"sentiment":"neutral","sentiment_score":0.0985029563307762},{"text":"good.","start_word":1611,"end_word":1611,"sentiment":"positive","sentiment_score":0.333344966173172},{"text":"Yep. Yeah.","start_word":1612,"end_word":1613,"sentiment":"neutral","sentiment_score":0.2493357211351395},{"text":"All good.","start_word":1614,"end_word":1615,"sentiment":"positive","sentiment_score":0.42422711849212646},{"text":"Now with regard to the recommendations there, essentially, I am starting by recommending that you do retain your Hub twenty four super account.","start_word":1616,"end_word":1638,"sentiment":"neutral","sentiment_score":0.1622047871351242},{"text":"Hub Yep. 24 has been a great platform. It is working really well there for you, and there are no major changes to the platform that require us to move on out.","start_word":1639,"end_word":1670,"sentiment":"positive","sentiment_score":0.4938837885856629},{"text":"Yep. I am obviously, because we don't have any insurances, we're not able to get any. I am also recommending that you do commence a Yep. salary sacrifice arrangement and start to contribute the extra $50 on a fortnightly basis in the Yep. super there. Sounds good. Sorry. $50 per week. I do apologize. Alright. Essentially, by increasing your contributions, and we are starting to start to close that gap a little bit and build on super.","start_word":1671,"end_word":1747,"sentiment":"neutral","sentiment_score":0.08917433768510818},{"text":"You have a really good balance at the moment.","start_word":1748,"end_word":1756,"sentiment":"positive","sentiment_score":0.5324180126190186},{"text":"So when the advice was done up a few weeks ago, the balance in your current super was about 304,000 and Yep. 73. By increasing contributions in by that $50 on a weekly basis, you're adding after tax next to 2,210 into super on top of your employer pay contributions. So Okay.","start_word":1757,"end_word":1808,"sentiment":"neutral","sentiment_score":0.19624506968718308},{"text":"that Yep. can provide a bit more of a benefit for you down the track.","start_word":1809,"end_word":1823,"sentiment":"positive","sentiment_score":0.5417459607124329},{"text":"And instead Tracking of it. having Yep. the, yeah, instead of having the money invested essentially in sorry. Instead of paying income tax at the marginal tax rate, when you put the money into super, it's taxed at a concessional rate of 15%. So Alright. it is Yep. tax less than five people, so you have more invested there for you working Yep. harder. Okay? Alright. Yep.","start_word":1824,"end_word":1890,"sentiment":"neutral","sentiment_score":0.1362428069114685},{"text":"Perfect.","start_word":1891,"end_word":1891,"sentiment":"positive","sentiment_score":0.6231961250305176},{"text":"One of the things you wanted to look at when we spoke last time was maybe moving into more of a high growth portfolio. You wanted to be able to take a little bit more risk in the market to see if you can get some greater potential returns there, Yeah. we are recommending that we do move you into that higher growth environment for the time being. We can always pull back and make changes and reduce that down the track if you would like to or Yeah. if you Yeah. feel not comfortable with it. But taking on a little bit more risk now can provide those greater potential returns. And because you're not wanting to access super until essentially the age of 65 there, you've got a bit more time. You've got over ten years time horizon Yeah. to take on and see if you can get your sleep and work a little bit harder for you. So it's Yep.","start_word":1892,"end_word":2054,"sentiment":"neutral","sentiment_score":0.07247499376535416},{"text":"absolutely fine.","start_word":2055,"end_word":2056,"sentiment":"positive","sentiment_score":0.4096691310405731},{"text":"Okay?","start_word":2057,"end_word":2057,"sentiment":"neutral","sentiment_score":0.29867005348205566},{"text":"Sound good.","start_word":2058,"end_word":2059,"sentiment":"positive","sentiment_score":0.4179552495479584},{"text":"I had a really good look at the investments, and one of the reasons it did take a little bit longer to provide the advice was we've have sort of noticed that one of the investments within your portfolio has actually been underperforming. So we've actually taken steps as part of this advice document to remove that. Okay.","start_word":2060,"end_word":2117,"sentiment":"neutral","sentiment_score":-0.2785443067550659},{"text":"The Benelon Australian Equities, which was initially put in your portfolio as more of an actively managed fund, has been underperforming for the past couple of months.","start_word":2118,"end_word":2144,"sentiment":"negative","sentiment_score":-0.3524935841560364},{"text":"So as a business decision, they've decided it's important to remove that out, and the committee met, and they said, no. We wanna remove that out. It's no longer seen as a quality investment to keep in super, and the Right. fact that it's Yeah.","start_word":2145,"end_word":2189,"sentiment":"neutral","sentiment_score":-0.14266537129878998},{"text":"underperforming isn't giving you any advantages.","start_word":2190,"end_word":2195,"sentiment":"negative","sentiment_score":-0.4093848168849945},{"text":"So Yep. we are removing Ben along out. And so by putting you into that high growth environment, you'll see in the advice document all the investments that we have in there. We'll show you what we're selling and what we're gonna buy. Yes, But ma'am. we're essentially gonna be selling out of the then along Australian Equities and also the bank hybrids. You had some bank hybrids in there, and they're more of a defensive investment. Over the course of the next couple of years, they are gonna be sort of phased out. So we Yep. are taking the Fair steps enough. to remove that as well as the Benelon equities and put that money into something that has sort of shown a a little bit more of a return Yep. and can provide you a greater benefit over the next sort of ten odd years there. Okay? Yes. Yep.","start_word":2196,"end_word":2346,"sentiment":"neutral","sentiment_score":0.035712830722332},{"text":"Perfect.","start_word":2347,"end_word":2347,"sentiment":"positive","sentiment_score":0.4233846068382263},{"text":"So within that high growth in portfolio, once we've completed the swap over and the changes and a bit of a rebalance on things, essentially, you'll have a bit of physical Global x physical gold in there. You'll have about 7%. Gold has been doing gangbusters over the Yeah. last year That's and right. continues to do well. It's more of an alternative investment, but it is seen as growth. It does provide great growth and at times where equities aren't performing well come act defensively for your portfolio Got it. Yeah. as well. Yep. You'll see a little bit of cybersecurity in there again about 7%. This is sort of reaching out of branching into other areas to try and get greater potential returns. Cyber security is still quite a big area to be invested in. Yeah. Yep. As much as equities in The US can have some ups and downs, still having some exposure into the S and P 500 is really important, and you'll see about 25% exposure there. Yes. They do it does go up and down, but when you look at how The US on international equities, especially US equities, have performed over the last thirty years, they have provided greater potential returns. With the investment that you're actually in at the moment is the S and P 500, so it tracks the top 500 companies in The US. And that essentially means that whilst you're tracking the top 500, in order to be in the the S and P 500 index, they actually the index actually meets the investment committee for the index actually meets every quarter, and they determine whether in whether companies in The US are allowed to omit the criteria to stay within the index there. So if they no longer meet the in the criteria, they are removed from the S and P 500, which means that the investment you're in, which tracks the S and P 500 index, removes those investments as well. So Yep. you are Right. always invested in the top 500 companies Yep. regardless of what is happening within The US there. Okay?","start_word":2348,"end_word":2704,"sentiment":"neutral","sentiment_score":0.08804237512814231},{"text":"It's good.","start_word":2705,"end_word":2706,"sentiment":"positive","sentiment_score":0.5429347157478333},{"text":"We'll also have exposure to the beta sales Raffi Aussie 200. So giving you access to 200 companies in Australia. It is looking at some of the top, but it's also giving you some access to low and mid cap companies.","start_word":2707,"end_word":2747,"sentiment":"neutral","sentiment_score":0.30069854855537415},{"text":"We're replacing Benelong with the a 200, which is the Australian top 200 companies on the ASX, which is great. You'll see some global health care.","start_word":2748,"end_word":2773,"sentiment":"positive","sentiment_score":0.4479457437992096},{"text":"Health care is a very large area, and it's not just looking at, like, doctor surgeries and hospitals and things like that. It's also looking at the IT sector within health care and the robotics around that sort of things as well. So Yep.","start_word":2774,"end_word":2817,"sentiment":"neutral","sentiment_score":0.2155405580997467},{"text":"global health care is an area to see growth in. You'll still see some of the JPMorgan Global Research enhanced equity funds. They're giving you access to global investments that have up and coming or have can show growth, and JPMorgan is a great research tool to utilize, so that investment has seen some good growth, and we'll continue to see that.","start_word":2818,"end_word":2879,"sentiment":"positive","sentiment_score":0.5554908148704036},{"text":"And with defensive assets, because I mentioned we're moving the bank hybrids out. We're gonna put you into core composite bonds to still make sure you do have some defensive investments. Yep.","start_word":2880,"end_word":2911,"sentiment":"neutral","sentiment_score":0.17033341526985168},{"text":"These core composite bonds are giving you access to government bonds but also corporate bonds there as well, and bonds are great for income producing, which helps the compounding effect of your portfolio.","start_word":2912,"end_word":2944,"sentiment":"positive","sentiment_score":0.3686428666114807},{"text":"So I know that's a lot to kinda go through. I try Yeah. to make it fairly basic, but when No. you have a That's look alright. at the document, you'll see what I'm talking Yeah. about I'll with those read it. investments. Yep. Yeah. If you find you have questions, you're welcome to let me know. And in the appendix in there, we do also have links to the PDFs and the investment Yep. That's fine. information, so you're welcome to always open those links and have a look at it Yep. as well. Alright. Okay? Perfect. So, essentially, with this one here, we are looking to just alter the underlying portfolio there, start the salary sacrifice of $50 on a weekly basis there Yep. and and make sure we have 24. It's important Yep. to make you aware that, obviously, this is providing a greater benefit. You're gonna be in a high growth portfolio, which has seen over the last utilizing a three year rolling average, and we have to use a three year for this one because the bank hybrids haven't shown a five year rolling average.","start_word":2945,"end_word":3134,"sentiment":"neutral","sentiment_score":0.10621306300163268},{"text":"So when we kind of look at that, the newer high growth portfolio has been greater returns utilizing the past three roll year rolling average, sorry, which can put you in a position to get greater potential returns as long as the market reacts the way we hope it does moving forward.","start_word":3135,"end_word":3186,"sentiment":"positive","sentiment_score":0.3748149573802948},{"text":"It's really important I do let you know that by changing the investments within the portfolio, there are CDT consequences. I've got that in this table here for you. So it does show that by making the changes there, the expected CDT consequences of tax your funds will pay is about $2,032 for the changes.","start_word":3187,"end_word":3241,"sentiment":"neutral","sentiment_score":0.2274086800488559},{"text":"Yep. But we're also saving you an investment fee. So by enable by making these changes to your portfolio, it's seeing greater growth. There are other CDT consequences, but we can sort of see that we're saving about $728 for the first year in investment fees as well.","start_word":3242,"end_word":3289,"sentiment":"positive","sentiment_score":0.536715567111969},{"text":"So that's Yeah. the benefit and the Alright. bonus for So what you. does that mean? It's tax time? It basically means that your super fund's gonna do a tax return for you, and they'll have to pay capital gains tax of $2,032, but it doesn't affect you in any way, shape, or form.","start_word":3290,"end_word":3343,"sentiment":"neutral","sentiment_score":0.18255430459976196},{"text":"Yeah. All good. It's actually kinda funny.","start_word":3344,"end_word":3350,"sentiment":"positive","sentiment_score":0.425613671541214},{"text":"A lot of people don't realize that your super fund, the trustees in your fund, they actually do a tax return every year for you for your super. So your super has pays incomes and capital gains tax on a yearly basis. You just don't see it because it's not something you have to sign off on. Yep. So, yeah, that happens automatically every year.","start_word":3351,"end_word":3415,"sentiment":"neutral","sentiment_score":0.16987770795822144},{"text":"Oh, This that's will good.","start_word":3416,"end_word":3420,"sentiment":"positive","sentiment_score":0.4184362590312958},{"text":"happen Yep. as well. We just have to let you know that there Yeah. are, That's obviously, fine. the expected tax consequences there for you. Yep.","start_word":3421,"end_word":3446,"sentiment":"neutral","sentiment_score":0.18888165056705475},{"text":"But the benefits of this is that the the investment fees within the fund, by making these changes, we expect to save you $728 for the first year on investment fees. So it's a little Yep. bit cheaper on fees for you, which Yeah.","start_word":3447,"end_word":3490,"sentiment":"positive","sentiment_score":0.4671221375465393},{"text":"is important.","start_word":3491,"end_word":3492,"sentiment":"neutral","sentiment_score":0.2372027337551117},{"text":"Alright. Yeah. All good.","start_word":3493,"end_word":3496,"sentiment":"positive","sentiment_score":0.465710312128067},{"text":"No worries. Alright. I've also got a bit of a projection in there for the next sort of five years for you because you are getting closer to accessing Super there with the new hire growth portfolio the way it has sort of seen if it continues to, you know, work the way it has over the past sort of three to five years, you can sort of see and hope in the future, you may end up with about 600,000. With Yes.","start_word":3497,"end_word":3579,"sentiment":"neutral","sentiment_score":0.278256394058825},{"text":"your balance the way it is, you could honestly end up in that sort of direction over the next sort of five to six years, Yes.","start_word":3580,"end_word":3605,"sentiment":"positive","sentiment_score":0.4042476713657379},{"text":"But it really just depends upon what the market does, but you will see a bit of a projection in there for you. Yeah. Okay? All in. No worries.","start_word":3606,"end_word":3634,"sentiment":"neutral","sentiment_score":0.1170596480369568},{"text":"Perfect. Sounds good.","start_word":3635,"end_word":3637,"sentiment":"positive","sentiment_score":0.6567243933677673},{"text":"With the way with the way we are tracking, as I kinda mentioned, I've scoped in retirement just to a limited scope. You still got over ten years to go. So Yes. there can be some changes, and I wanna kinda keep you on track. But, realistically, with making these changes, with the markets working, hopefully, the way they have, essentially, with changes there, we can sort of expect when you get to the age of 65 there that you are almost on track to kinda meet your goals. So we sort of talked about drawing down regular income of about 35,000 on a yearly basis there. Yes. Essentially, Yep.","start_word":3638,"end_word":3747,"sentiment":"neutral","sentiment_score":0.14792287349700928},{"text":"this is almost keeping you on track and having super last to about age 91.","start_word":3748,"end_word":3762,"sentiment":"positive","sentiment_score":0.3606446385383606},{"text":"So you can draw certainly more money out than what we can sort of see with regards to this. It just means that the super doesn't last as long. It's on But Madison. given, yeah, but given when we get closer to it, one of the things I'll also factor in is the age pension side of things. So when we get closer, we can talk more about your level. Given your current circumstances, Yep. it looks like you should be eligible for a bit of age pension around age seven as well, which means Yep. we can draw a little bit less out of super and give you longevity down down the way as well. But I'll keep you updated. That's We'll fine. keep reviewing Yep.","start_word":3763,"end_word":3889,"sentiment":"neutral","sentiment_score":0.12490474432706831},{"text":"this and keep you on track there.","start_word":3890,"end_word":3896,"sentiment":"positive","sentiment_score":0.40579450130462646},{"text":"Okay? Yep.","start_word":3897,"end_word":3898,"sentiment":"neutral","sentiment_score":0.2428603172302246},{"text":"Yes. Sounds good. Perfect.","start_word":3899,"end_word":3902,"sentiment":"positive","sentiment_score":0.6664148569107056},{"text":"I do have the strategy in there with regard to the sales back as well. It kinda shows you I've essentially the difference in the tax consequences between your current position to the idea of salary sacrificing. It does kinda provide you with the benefit of paying a little bit less Yep. income tax, which is a benefit to you. However, the disadvantage of salary sacrificing is that your take home pay is a little bit less as well because that Yes. $50 per week is going into Yep. super. But when I sort of look at it, the the advantage of being able to want more money into super and have it invested outweighs that additional of not of Absolutely. not having that in Yep. your take home pay. Okay.","start_word":3903,"end_word":4033,"sentiment":"neutral","sentiment_score":0.08313014358282089},{"text":"Thank you. All good.","start_word":4034,"end_word":4037,"sentiment":"positive","sentiment_score":0.46636462211608887},{"text":"Hold on. Well, the other side of that is just the beneficiary side of things. So I will make sure your beneficiaries are up to date. I am recommending that we do a binding non lapsing beneficiary norm and nominate that to your spouse. That way, Yep. if anything does happen, she gets a 100% of the benefit there paid out to her. And I Yep. will sort of let everyone know to let their spouse know that you are that I am your financial adviser, that if anything was to happen to call me and I can help her with the claim just Okay. to make sure things are done along. I know it's, you know, when your times where your spouse has passed, it can be a really difficult time frame. Yeah. So it's important to make sure that she's aware of where your super is, that you do have a benefit that she can claim on it, and we'll help you with the beneficiary nominations as well. Yep. It's Not the hardest part of getting someone to witness it for you. yet. Yeah. The only other thing to kinda go through with you is, obviously, there's no sorry. Insurance recommendations. This advice has been provided. There's no implementation fees payable. But the Yep. last couple of years, we have been providing our services and looking after everything and not charging an ongoing service fee. So I am gonna turn the ongoing service fee back on. It Yep. is 1.65% per annum, and it's deducted in smaller monthly increments. So I've accounted for that as part of the projection.","start_word":4038,"end_word":4308,"sentiment":"neutral","sentiment_score":0.11996769580673908},{"text":"We're working harder towards your goals, Yep.","start_word":4309,"end_word":4315,"sentiment":"positive","sentiment_score":0.34153828024864197},{"text":"and the ongoing service fee doesn't have a huge impact on that. Alright. But it just means that we're getting Yeah. paid for our services. We're looking That's after fair things, enough. and and K. we'll keep updating the advice.","start_word":4316,"end_word":4355,"sentiment":"neutral","sentiment_score":0.1445111334323883},{"text":"I'll keep looking after you and working towards your goals.","start_word":4356,"end_word":4365,"sentiment":"positive","sentiment_score":0.3512874245643616},{"text":"Yeah. But you'll see in there the ongoing service fee and what that looks like and, essentially, how that works. But one of the big things about our fee is that it is Yeah. percentage based, so it fluctuates with the market. So when the market is doing really well, it tells me that our ongoing service fee is gonna be a little bit higher. However, when the market does pay take a bit of a dip there, the amount we're gonna receive is slightly lower as well. So Right. Yeah. I just wanted to be open and honest Yeah. with you That's and let fine. you know Yep. I do wanna turn that on to keep monitoring things and looking after you. Yep.","start_word":4366,"end_word":4489,"sentiment":"neutral","sentiment_score":0.07176050543785095},{"text":"But I do also wanna make sure we're tracking towards your goals and that we're helping in every area that we absolutely can to make sure we're earning that money at the same time.","start_word":4490,"end_word":4523,"sentiment":"positive","sentiment_score":0.4489736258983612},{"text":"Yep. Okay?","start_word":4524,"end_word":4525,"sentiment":"neutral","sentiment_score":0.2481500208377838},{"text":"Sounds good. All good.","start_word":4526,"end_word":4529,"sentiment":"positive","sentiment_score":0.5040070414543152},{"text":"Okay. I know it's a lot, and I'm so sorry. That's alright. I will email this through to you now so you can also have a bit of a look at it. If Yep. you have any questions, Glenn, you're welcome to let me know. Yep. If you're comfortable with taking all the recommendations and making the changes, essentially, how it'll work is you'll just sign the documents, return it back to me. Yeah. Yep. And then my team will start by essentially completing the investment switch in the account. So you'll Alright.","start_word":4530,"end_word":4622,"sentiment":"neutral","sentiment_score":0.19188745319843292},{"text":"see us buying and selling in the back end, which will be really cool in rebalancing everything for you. We'll then give you the salary sacrifice letter to give to your employer, and we'll help with the beneficiary nominations to be a nice easy implementation process. Yep. Sounds good.","start_word":4623,"end_word":4671,"sentiment":"positive","sentiment_score":0.4246168434619904},{"text":"Do you have any questions for me? No. I'm That's so all. sorry. No. It No. it's That's a lot fine. to That's kinda all. go through. No. I think you've everything's fine. It's pretty self self explanatory.","start_word":4672,"end_word":4709,"sentiment":"neutral","sentiment_score":0.06703103333711624},{"text":"So Oh, I'll get them forms, and beautiful. I'll send them out and send them on. Send it through. You're a legend. Thank you Lovely. so much. I will Thanks, let you Dana. go to enjoy your afternoon.","start_word":4710,"end_word":4747,"sentiment":"positive","sentiment_score":0.5552296042442322},{"text":"I'll You send too. this to you now. If you have any questions, you let me know. Okay?","start_word":4748,"end_word":4765,"sentiment":"neutral","sentiment_score":0.19877879321575165},{"text":"Not a problem. Thanks very much. No worries. Enjoy Okay. your afternoon.","start_word":4766,"end_word":4777,"sentiment":"positive","sentiment_score":0.4985108375549317},{"text":"Yeah.","start_word":4778,"end_word":4778,"sentiment":"neutral","sentiment_score":0.30560439825057983},{"text":"Thanks, You too. Glenn. Thanks, Jonah. Bye.","start_word":4779,"end_word":4785,"sentiment":"positive","sentiment_score":0.4868665933609009},{"text":"See Bye. you later. Bye. Bye.","start_word":4786,"end_word":4791,"sentiment":"neutral","sentiment_score":0.2188423126935959}],"average":{"sentiment":"neutral","sentiment_score":0.13013564940192374}}}}