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It was kind of very staticky, to be honest. That's okay. I actually called at 04:45, so I forgive you. I was late. That's okay. Absolutely. It's okay. That works. Yep. Yes. The the tax is calculated correctly, but yes. I'm just retarded at least special today, obviously. Oh my god. Sorry. Yes. Yes. Correct. Yeah. Yeah. I'm looking at the numbers. Everything else is correct. I've just somehow not carried that down. Following page. Yep. Following next page. Yep. Yep. Yep. Yep. Yep. Yep. One's the accumulation. One's the pension amount. So the accumulation pension, so that that TTR yep. So the two 209 is the pension amount. Two zero nine is the pension amount. $20 is the accumulation. So in the accumulation so right now, your super fund is an accumulation fund. That is literally what is act is actually referred to as within the industry. So it is an accumulation account because it is you are an accumulation phase. You are a working non retired person. Your funds are currently in accumulation phase. The pension account is the exact same thing as an accumulation account. However, it's basically the phase of the account changes, which allows the money to actually be distributed out. Not dumb. Not dumb. Sometimes you just need to talk sometimes you just wanna talk it out. Yeah. I didn't you said it all. I said nothing. You're okay. Mhmm. Yep. Yep. Yep. No. So little bit less money starting in the account. Money runs out faster. It is a snapshot, and it's not including any Centrelink. So it's it's a I do it as a, hey. Worst case scenario, this is where we're sitting at. Correct. And that's if we actually continue to draw down that full amount and all the rest of like, it it's a snapshot in time. I just like to do it as a reference point, really. She sure is. So this I I sure can take them down. I mean, you could always talk to her. She's quite lovely, but I think I like to be think I'm better. No. You're so fine. Every day. Mhmm. Yep. Yep. Perfect. Cool. That was gonna be my next question. So it's a CBA account. Do you know the branch that you belong to? Perfect. Look. I mean, worst case scenario, I just do a BSP lockup, so it's not really the end of the world. But what's the name of the account? No. You don't. Generally generally, you can go into the account and see who's on the account, but that's absolutely fine. I also love that you guys have the same initial for your middle name. K. I assumed not. Generally, not not gonna be the same. Perfect. Alright. I can add those. I can get those details added, get the account happen happening. Well, Madison will. And she'll get the documents sent out to you. Now that will be she'll send it to you tomorrow. I'm just I'm looking at her in her eyeballs to see whether whether she has time to do it tonight, but yeah. And she's telling me it's for tomorrow. Department of home and oh, cool. No. That's fine. Yes. So tomorrow, what you're gonna get is you're gonna get one email for one email from Madison, which will be for you to sign and authorize for the pension account to be set up. The second email is going to come through for a salary sacrifice confirmation. Now what I want you to do is actually hold the salary sacrifice off until the until the pension account is set up. Because the pension account is gonna take a few days, maybe a week tops, And until we have the first payment date set, I don't want I don't want work to start docking your pay and then leave you short. Okay? So we'll set we'll set it all up and send it to you, but you just kinda hold and Mads will give you a call and and she'll tell you to pull the trigger when she has a date. Cool beans. Too easy. That's okay. My pleasure. Yes. Well, I will let you go for the evening. I hope that work comes down and you can able able to pack up and go home eventually. Oh, lucky you. Oh, that's that's good. Nine to five. You do. You do. I I might learn that trade one day. Yes. Well, you go and enjoy, Mark. And if you have any questions, just get mad mad to, you know, put you through to me. Have a good one. 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Mark. Larissa from Roadview. How are you going? Good. Sorry about that.\n\nI'm not sure what happened. It just totally dropped through. Yeah. I had the same thing. It was kind of very staticky, to be honest.\n\nThat's okay. I actually called at 04:45, so I forgive you. I was late. That's okay. Absolutely.\n\nIt's okay. That works. Yep. Yes. The the tax is calculated correctly, but yes.\n\nI'm just retarded at least special today, obviously. Oh my god. Sorry. Yes. Yes.\n\nCorrect. Yeah. Yeah. I'm looking at the numbers. Everything else is correct.\n\nI've just somehow not carried that down. Following page. Yep. Following next page. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nOne's the accumulation. One's the pension amount. So the accumulation pension, so that that TTR yep. So the two 209 is the pension amount. Two zero nine is the pension amount.\n\n$20 is the accumulation. So in the accumulation so right now, your super fund is an accumulation fund. That is literally what is act is actually referred to as within the industry. So it is an accumulation account because it is you are an accumulation phase. You are a working non retired person.\n\nYour funds are currently in accumulation phase. The pension account is the exact same thing as an accumulation account. However, it's basically the phase of the account changes, which allows the money to actually be distributed out. Not dumb. Not dumb.\n\nSometimes you just need to talk sometimes you just wanna talk it out. Yeah. I didn't you said it all. I said nothing. You're okay.\n\nMhmm. Yep. Yep. Yep. No.\n\nSo little bit less money starting in the account. Money runs out faster. It is a snapshot, and it's not including any Centrelink. So it's it's a I do it as a, hey. Worst case scenario, this is where we're sitting at.\n\nCorrect. And that's if we actually continue to draw down that full amount and all the rest of like, it it's a snapshot in time. I just like to do it as a reference point, really. She sure is. So this I I sure can take them down.\n\nI mean, you could always talk to her. She's quite lovely, but I think I like to be think I'm better. No. You're so fine. Every day.\n\nMhmm. Yep. Yep. Perfect. Cool.\n\nThat was gonna be my next question. So it's a CBA account. Do you know the branch that you belong to? Perfect. Look.\n\nI mean, worst case scenario, I just do a BSP lockup, so it's not really the end of the world. But what's the name of the account? No. You don't. Generally generally, you can go into the account and see who's on the account, but that's absolutely fine.\n\nI also love that you guys have the same initial for your middle name. K. I assumed not. Generally, not not gonna be the same. Perfect.\n\nAlright. I can add those. I can get those details added, get the account happen happening. Well, Madison will. And she'll get the documents sent out to you.\n\nNow that will be she'll send it to you tomorrow. I'm just I'm looking at her in her eyeballs to see whether whether she has time to do it tonight, but yeah. And she's telling me it's for tomorrow. Department of home and oh, cool. No.\n\nThat's fine. Yes. So tomorrow, what you're gonna get is you're gonna get one email for one email from Madison, which will be for you to sign and authorize for the pension account to be set up. The second email is going to come through for a salary sacrifice confirmation. Now what I want you to do is actually hold the salary sacrifice off until the until the pension account is set up.\n\nBecause the pension account is gonna take a few days, maybe a week tops, And until we have the first payment date set, I don't want I don't want work to start docking your pay and then leave you short. Okay? So we'll set we'll set it all up and send it to you, but you just kinda hold and Mads will give you a call and and she'll tell you to pull the trigger when she has a date. Cool beans. Too easy.\n\nThat's okay. My pleasure. Yes. Well, I will let you go for the evening. I hope that work comes down and you can able able to pack up and go home eventually.\n\nOh, lucky you. Oh, that's that's good. Nine to five. You do. You do.\n\nI I might learn that trade one day. Yes. Well, you go and enjoy, Mark. And if you have any questions, just get mad mad to, you know, put you through to me. Have a good one.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Mark.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.17902479320764542},{"text":"Larissa from Roadview.","start":3.36,"end":4.48,"sentiment":"neutral","sentiment_score":0.254995197057724},{"text":"How are you going?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.3041316941380501},{"text":"Good.","start":7.8399997,"end":8.34,"sentiment":"neutral","sentiment_score":0.22402139008045197},{"text":"Sorry about that.","start":8.8,"end":9.5199995,"sentiment":"neutral","sentiment_score":-0.21988431612650552}],"sentiment":"neutral","sentiment_score":0.14645618429550758,"num_words":13,"start":2.6399999,"end":9.5199995},{"sentences":[{"text":"I'm not sure what happened.","start":9.5199995,"end":10.4,"sentiment":"neutral","sentiment_score":-0.22672396898269653},{"text":"It just totally dropped through.","start":10.4,"end":11.94,"sentiment":"neutral","sentiment_score":-0.18077482134103776},{"text":"Yeah.","start":14.3550005,"end":14.755,"sentiment":"neutral","sentiment_score":-0.17881688475608826},{"text":"I had the same thing.","start":14.755,"end":15.635,"sentiment":"neutral","sentiment_score":-0.24081461429595946},{"text":"It was kind of very staticky, to be honest.","start":15.635,"end":17.495,"sentiment":"negative","sentiment_score":-0.4494052628676097}],"sentiment":"neutral","sentiment_score":-0.29860125094652173,"num_words":25,"start":9.5199995,"end":17.495},{"sentences":[{"text":"That's okay.","start":28.26,"end":29.220001,"sentiment":"neutral","sentiment_score":-0.04292551148682833},{"text":"I actually called at 04:45, so I forgive you.","start":29.220001,"end":32.02,"sentiment":"neutral","sentiment_score":-0.045719095402293734},{"text":"I was late.","start":32.02,"end":33.0,"sentiment":"neutral","sentiment_score":-0.15443463871876398},{"text":"That's okay.","start":43.115,"end":43.855,"sentiment":"positive","sentiment_score":0.3457203507423401},{"text":"Absolutely.","start":47.515,"end":48.015,"sentiment":"neutral","sentiment_score":0.14513856172561646}],"sentiment":"neutral","sentiment_score":-0.007296913796487977,"num_words":17,"start":28.26,"end":48.015},{"sentences":[{"text":"It's okay.","start":57.93,"end":58.670002,"sentiment":"neutral","sentiment_score":0.042862413451075554},{"text":"That works.","start":60.010002,"end":60.75,"sentiment":"neutral","sentiment_score":0.08686874061822891},{"text":"Yep.","start":64.090004,"end":64.590004,"sentiment":"neutral","sentiment_score":0.04948500916361809},{"text":"Yes.","start":77.225,"end":77.725,"sentiment":"neutral","sentiment_score":0.029072362929582596},{"text":"The the tax is calculated correctly, but yes.","start":77.785,"end":81.005,"sentiment":"neutral","sentiment_score":0.023370145820081234}],"sentiment":"neutral","sentiment_score":0.0374986319137471,"num_words":14,"start":57.93,"end":81.005},{"sentences":[{"text":"I'm just retarded at least special today, obviously.","start":84.65,"end":87.31,"sentiment":"neutral","sentiment_score":-0.27896741032600403},{"text":"Oh my god.","start":88.009995,"end":88.909996,"sentiment":"neutral","sentiment_score":-0.056137919425964355},{"text":"Sorry.","start":88.97,"end":89.45,"sentiment":"neutral","sentiment_score":-0.018658842891454697},{"text":"Yes.","start":89.45,"end":89.77,"sentiment":"neutral","sentiment_score":0.08209770172834396},{"text":"Yes.","start":89.77,"end":90.17,"sentiment":"neutral","sentiment_score":0.07971438765525818}],"sentiment":"neutral","sentiment_score":-0.161214271028127,"num_words":14,"start":84.65,"end":90.17},{"sentences":[{"text":"Correct.","start":90.17,"end":90.67,"sentiment":"neutral","sentiment_score":0.07354234158992767},{"text":"Yeah.","start":92.729996,"end":93.21,"sentiment":"neutral","sentiment_score":0.040693722665309906},{"text":"Yeah.","start":93.21,"end":93.45,"sentiment":"neutral","sentiment_score":0.023086722940206528},{"text":"I'm looking at the numbers.","start":93.45,"end":94.409996,"sentiment":"neutral","sentiment_score":0.03064526617527008},{"text":"Everything else is correct.","start":94.409996,"end":95.369995,"sentiment":"neutral","sentiment_score":0.15424813702702522}],"sentiment":"neutral","sentiment_score":0.07562847218165795,"num_words":12,"start":90.17,"end":95.369995},{"sentences":[{"text":"I've just somehow not carried that down.","start":95.369995,"end":98.085,"sentiment":"neutral","sentiment_score":0.09084836606468473},{"text":"Following page.","start":108.165,"end":109.305,"sentiment":"neutral","sentiment_score":0.006849467987194657},{"text":"Yep.","start":110.005,"end":110.4,"sentiment":"neutral","sentiment_score":0.06034884974360466},{"text":"Following next page.","start":110.8,"end":111.6,"sentiment":"neutral","sentiment_score":0.03519002969066302},{"text":"Yep.","start":111.6,"end":112.1,"sentiment":"neutral","sentiment_score":0.05940540134906769}],"sentiment":"neutral","sentiment_score":0.0624972741851317,"num_words":14,"start":95.369995,"end":112.1},{"sentences":[{"text":"Yep.","start":115.68,"end":116.18,"sentiment":"neutral","sentiment_score":0.07846036553382874},{"text":"Yep.","start":121.520004,"end":122.020004,"sentiment":"neutral","sentiment_score":0.0422775074839592},{"text":"Yep.","start":122.4,"end":122.9,"sentiment":"neutral","sentiment_score":0.0203024260699749},{"text":"Yep.","start":126.795,"end":127.295,"sentiment":"neutral","sentiment_score":0.059679850935935974},{"text":"Yep.","start":129.355,"end":129.855,"sentiment":"neutral","sentiment_score":0.050014279782772064}],"sentiment":"neutral","sentiment_score":0.05014688596129417,"num_words":5,"start":115.68,"end":129.855},{"sentences":[{"text":"One's the accumulation.","start":139.84,"end":141.14,"sentiment":"neutral","sentiment_score":0.013359527724484602},{"text":"One's the pension amount.","start":141.52,"end":143.3,"sentiment":"neutral","sentiment_score":0.022655474487692118},{"text":"So the accumulation pension, so that that TTR yep.","start":143.52,"end":148.34,"sentiment":"neutral","sentiment_score":0.014668329153209925},{"text":"So the two 209 is the pension amount.","start":148.4,"end":152.995,"sentiment":"neutral","sentiment_score":0.008765726815909147},{"text":"Two zero nine is the pension amount.","start":153.53499,"end":155.235,"sentiment":"neutral","sentiment_score":0.04253124126366207}],"sentiment":"neutral","sentiment_score":0.020340643447613525,"num_words":31,"start":139.84,"end":155.235},{"sentences":[{"text":"$20 is the accumulation.","start":155.295,"end":156.915,"sentiment":"neutral","sentiment_score":0.05062869098037481},{"text":"So in the accumulation so right now, your super fund is an accumulation fund.","start":157.53499,"end":164.16,"sentiment":"neutral","sentiment_score":0.037567046870078356},{"text":"That is literally what is act is actually referred to as within the industry.","start":164.24,"end":169.14,"sentiment":"neutral","sentiment_score":0.04930030022348676},{"text":"So it is an accumulation account because it is you are an accumulation phase.","start":169.68001,"end":173.68001,"sentiment":"neutral","sentiment_score":0.03305946184056146},{"text":"You are a working non retired person.","start":173.68001,"end":178.02,"sentiment":"neutral","sentiment_score":0.011511020894561495}],"sentiment":"neutral","sentiment_score":0.0370201365143623,"num_words":53,"start":155.295,"end":178.02},{"sentences":[{"text":"Your funds are currently in accumulation phase.","start":178.375,"end":180.875,"sentiment":"neutral","sentiment_score":0.031773218885064125},{"text":"The pension account is the exact same thing as an accumulation account.","start":181.25499,"end":184.69499,"sentiment":"neutral","sentiment_score":0.07968311632672946},{"text":"However, it's basically the phase of the account changes, which allows the money to actually be distributed out.","start":184.69499,"end":190.5,"sentiment":"neutral","sentiment_score":0.0909269427259763},{"text":"Not dumb.","start":222.36,"end":223.08,"sentiment":"negative","sentiment_score":-0.4374650567770004},{"text":"Not dumb.","start":223.08,"end":223.82,"sentiment":"negative","sentiment_score":-0.39392776787281036}],"sentiment":"neutral","sentiment_score":0.028109981655711082,"num_words":41,"start":178.375,"end":223.82},{"sentences":[{"text":"Sometimes you just need to talk sometimes you just wanna talk it out.","start":223.88,"end":227.74,"sentiment":"neutral","sentiment_score":-0.11269768040913802},{"text":"Yeah.","start":235.175,"end":235.675,"sentiment":"neutral","sentiment_score":0.016020188108086586},{"text":"I didn't you said it all.","start":236.21501,"end":237.49501,"sentiment":"neutral","sentiment_score":-0.08530934900045395},{"text":"I said nothing.","start":237.49501,"end":238.29501,"sentiment":"neutral","sentiment_score":-0.13725141187508902},{"text":"You're okay.","start":238.29501,"end":239.115,"sentiment":"neutral","sentiment_score":-0.09041854739189148}],"sentiment":"neutral","sentiment_score":-0.10213988326489926,"num_words":25,"start":223.88,"end":239.115},{"sentences":[{"text":"Mhmm.","start":245.72,"end":246.22,"sentiment":"neutral","sentiment_score":-0.01438799686729908},{"text":"Yep.","start":255.96,"end":256.46002,"sentiment":"neutral","sentiment_score":0.020740985870361328},{"text":"Yep.","start":260.52,"end":260.805,"sentiment":"neutral","sentiment_score":0.01567491888999939},{"text":"Yep.","start":263.925,"end":264.425,"sentiment":"neutral","sentiment_score":0.007391641847789288},{"text":"No.","start":266.565,"end":267.065,"sentiment":"neutral","sentiment_score":-0.20313450694084167}],"sentiment":"neutral","sentiment_score":-0.03474299143999815,"num_words":5,"start":245.72,"end":267.065},{"sentences":[{"text":"So little bit less money starting in the account.","start":267.205,"end":270.425,"sentiment":"neutral","sentiment_score":-0.13831960409879684},{"text":"Money runs out faster.","start":270.725,"end":271.945,"sentiment":"neutral","sentiment_score":-0.09535067155957222},{"text":"It is a snapshot, and it's not including any Centrelink.","start":272.245,"end":276.12997,"sentiment":"neutral","sentiment_score":-0.07164558917284011},{"text":"So it's it's a I do it as a, hey.","start":276.34998,"end":278.59,"sentiment":"neutral","sentiment_score":-0.07049046866595746},{"text":"Worst case scenario, this is where we're sitting at.","start":278.59,"end":281.49,"sentiment":"neutral","sentiment_score":-0.07960251056485707}],"sentiment":"neutral","sentiment_score":-0.08962053087140832,"num_words":42,"start":267.205,"end":281.49},{"sentences":[{"text":"Correct.","start":282.75,"end":283.15,"sentiment":"neutral","sentiment_score":0.06495295464992523},{"text":"And that's if we actually continue to draw down that full amount and all the rest of like, it it's a snapshot in time.","start":283.15,"end":288.975,"sentiment":"neutral","sentiment_score":0.047892169173186026},{"text":"I just like to do it as a reference point, really.","start":288.975,"end":291.63498,"sentiment":"neutral","sentiment_score":0.03909818912771615},{"text":"She sure is.","start":306.35,"end":307.49002,"sentiment":"neutral","sentiment_score":0.02956679929047823},{"text":"So this I I sure can take them down.","start":307.87,"end":311.95,"sentiment":"neutral","sentiment_score":-0.03773283544513914}],"sentiment":"neutral","sentiment_score":0.029032291126592707,"num_words":48,"start":282.75,"end":311.95},{"sentences":[{"text":"I mean, you could always talk to her.","start":311.95,"end":313.23,"sentiment":"neutral","sentiment_score":-0.049207226606085896},{"text":"She's quite lovely, but I think I like to be think I'm better.","start":313.23,"end":317.105,"sentiment":"negative","sentiment_score":-0.4537604869558261},{"text":"No.","start":325.885,"end":326.125,"sentiment":"neutral","sentiment_score":-0.116714246571064},{"text":"You're so fine.","start":326.125,"end":327.265,"sentiment":"neutral","sentiment_score":-0.03752161872883638},{"text":"Every day.","start":338.07,"end":338.97,"sentiment":"neutral","sentiment_score":0.025193401612341404}],"sentiment":"neutral","sentiment_score":-0.2396828312150858,"num_words":27,"start":311.95,"end":338.97},{"sentences":[{"text":"Mhmm.","start":341.715,"end":342.215,"sentiment":"neutral","sentiment_score":0.015733517706394196},{"text":"Yep.","start":347.715,"end":348.215,"sentiment":"neutral","sentiment_score":0.02497288398444653},{"text":"Yep.","start":353.395,"end":353.79,"sentiment":"neutral","sentiment_score":0.02475041896104813},{"text":"Perfect.","start":360.91,"end":361.41,"sentiment":"positive","sentiment_score":0.5217769145965576},{"text":"Cool.","start":363.71002,"end":364.21002,"sentiment":"positive","sentiment_score":0.5124748349189758}],"sentiment":"neutral","sentiment_score":0.21994171403348445,"num_words":5,"start":341.715,"end":364.21002},{"sentences":[{"text":"That was gonna be my next question.","start":365.07,"end":366.35,"sentiment":"neutral","sentiment_score":0.04872494989207813},{"text":"So it's a CBA account.","start":366.35,"end":367.73,"sentiment":"neutral","sentiment_score":0.029610415920615196},{"text":"Do you know the branch that you belong to?","start":368.965,"end":371.545,"sentiment":"neutral","sentiment_score":0.021189164887699816},{"text":"Perfect.","start":376.405,"end":376.905,"sentiment":"positive","sentiment_score":0.38779759407043457},{"text":"Look.","start":376.965,"end":377.125,"sentiment":"neutral","sentiment_score":0.18119272589683533}],"sentiment":"neutral","sentiment_score":0.05429650142626918,"num_words":23,"start":365.07,"end":377.125},{"sentences":[{"text":"I mean, worst case scenario, I just do a BSP lockup, so it's not really the end of the world.","start":377.125,"end":380.325,"sentiment":"neutral","sentiment_score":0.002712431363761425},{"text":"But what's the name of the account?","start":380.325,"end":381.69,"sentiment":"neutral","sentiment_score":-0.002676982565649918},{"text":"No.","start":405.015,"end":405.335,"sentiment":"neutral","sentiment_score":-0.08601240068674088},{"text":"You don't.","start":405.335,"end":406.075,"sentiment":"neutral","sentiment_score":-0.11193741485476494},{"text":"Generally generally, you can go into the account and see who's on the account, but that's absolutely fine.","start":406.695,"end":411.335,"sentiment":"neutral","sentiment_score":0.029494771455776773}],"sentiment":"neutral","sentiment_score":0.005344341773403964,"num_words":48,"start":377.125,"end":411.335},{"sentences":[{"text":"I also love that you guys have the same initial for your middle name.","start":411.335,"end":414.64,"sentiment":"positive","sentiment_score":0.4501164598124368},{"text":"K.","start":414.7,"end":415.2,"sentiment":"neutral","sentiment_score":0.014843467622995377},{"text":"I assumed not.","start":419.18002,"end":420.14,"sentiment":"neutral","sentiment_score":-0.07003077864646912},{"text":"Generally, not not gonna be the same.","start":420.14,"end":422.40002,"sentiment":"neutral","sentiment_score":-0.04144953617027828},{"text":"Perfect.","start":423.66,"end":424.16,"sentiment":"neutral","sentiment_score":0.1922085732221603}],"sentiment":"neutral","sentiment_score":0.23109397650338137,"num_words":26,"start":411.335,"end":424.16},{"sentences":[{"text":"Alright.","start":424.22,"end":424.62003,"sentiment":"neutral","sentiment_score":0.12805840373039246},{"text":"I can add those.","start":424.62003,"end":425.445,"sentiment":"neutral","sentiment_score":0.1402311883866787},{"text":"I can get those details added, get the account happen happening.","start":425.605,"end":430.105,"sentiment":"neutral","sentiment_score":0.20338685404170642},{"text":"Well, Madison will.","start":430.245,"end":431.785,"sentiment":"neutral","sentiment_score":0.14080304900805155},{"text":"And she'll get the documents sent out to you.","start":432.885,"end":435.465,"sentiment":"neutral","sentiment_score":0.15157166868448257}],"sentiment":"neutral","sentiment_score":0.16831402560429914,"num_words":28,"start":424.22,"end":435.465},{"sentences":[{"text":"Now that will be she'll send it to you tomorrow.","start":436.08502,"end":441.38,"sentiment":"neutral","sentiment_score":0.07414810806512832},{"text":"I'm just I'm looking at her in her eyeballs to see whether whether she has time to do it tonight, but yeah.","start":441.59998,"end":447.75998,"sentiment":"neutral","sentiment_score":-0.03165971155447716},{"text":"And she's telling me it's for tomorrow.","start":447.75998,"end":449.53998,"sentiment":"neutral","sentiment_score":-0.09237131369965416},{"text":"Department of home and oh, cool.","start":461.635,"end":463.875,"sentiment":"neutral","sentiment_score":-0.03040178492665291},{"text":"No.","start":463.875,"end":464.035,"sentiment":"neutral","sentiment_score":-0.1337580531835556}],"sentiment":"neutral","sentiment_score":-0.01995218548235362,"num_words":46,"start":436.08502,"end":464.035},{"sentences":[{"text":"That's fine.","start":464.035,"end":464.515,"sentiment":"neutral","sentiment_score":0.06759397312998772},{"text":"Yes.","start":464.515,"end":464.755,"sentiment":"neutral","sentiment_score":0.177080899477005},{"text":"So tomorrow, what you're gonna get is you're gonna get one email for one email from Madison, which will be for you to sign and authorize for the pension account to be set up.","start":464.755,"end":475.49,"sentiment":"neutral","sentiment_score":0.08032174539916656},{"text":"The second email is going to come through for a salary sacrifice confirmation.","start":475.71,"end":482.88498,"sentiment":"neutral","sentiment_score":0.057413335889577866},{"text":"Now what I want you to do is actually hold the salary sacrifice off until the until the pension account is set up.","start":483.26498,"end":491.025,"sentiment":"neutral","sentiment_score":0.02019659012718045}],"sentiment":"neutral","sentiment_score":0.058275385326004195,"num_words":73,"start":464.035,"end":491.025},{"sentences":[{"text":"Because the pension account is gonna take a few days, maybe a week tops, And until we have the first payment date set, I don't want I don't want work to start docking your pay and then leave you short.","start":491.025,"end":503.11,"sentiment":"neutral","sentiment_score":-0.09158431674586609},{"text":"Okay?","start":504.93,"end":505.43,"sentiment":"neutral","sentiment_score":0.13234421610832214},{"text":"So we'll set we'll set it all up and send it to you, but you just kinda hold and Mads will give you a call and and she'll tell you to pull the trigger when she has a date.","start":505.49,"end":516.085,"sentiment":"neutral","sentiment_score":0.0649710651487112},{"text":"Cool beans.","start":519.10504,"end":519.925,"sentiment":"positive","sentiment_score":0.41160331666469574},{"text":"Too easy.","start":521.10504,"end":521.765,"sentiment":"positive","sentiment_score":0.3813295364379883}],"sentiment":"neutral","sentiment_score":0.007008438015223614,"num_words":84,"start":491.025,"end":521.765},{"sentences":[{"text":"That's okay.","start":523.78,"end":524.44,"sentiment":"positive","sentiment_score":0.46664097905158997},{"text":"My pleasure.","start":524.66003,"end":525.4,"sentiment":"positive","sentiment_score":0.5489822030067444},{"text":"Yes.","start":527.46,"end":527.96,"sentiment":"neutral","sentiment_score":0.21055908501148224},{"text":"Well, I will let you go for the evening.","start":528.9,"end":530.58,"sentiment":"neutral","sentiment_score":0.1904277354478836},{"text":"I hope that work comes down and you can able able to pack up and go home eventually.","start":530.58,"end":535.16003,"sentiment":"neutral","sentiment_score":0.09714990119553274}],"sentiment":"neutral","sentiment_score":0.17826104030245915,"num_words":32,"start":523.78,"end":535.16003},{"sentences":[{"text":"Oh, lucky you.","start":538.805,"end":539.865,"sentiment":"neutral","sentiment_score":0.167963316043218},{"text":"Oh, that's that's good.","start":546.64496,"end":547.76495,"sentiment":"neutral","sentiment_score":0.14243962988257408},{"text":"Nine to five.","start":547.76495,"end":548.58496,"sentiment":"neutral","sentiment_score":0.02236504852771759},{"text":"You do.","start":550.32,"end":551.2,"sentiment":"neutral","sentiment_score":0.039653848856687546},{"text":"You do.","start":551.2,"end":551.94,"sentiment":"neutral","sentiment_score":0.02284876722842455}],"sentiment":"neutral","sentiment_score":0.09041063181523766,"num_words":14,"start":538.805,"end":551.94},{"sentences":[{"text":"I I might learn that trade one day.","start":552.24,"end":554.18,"sentiment":"neutral","sentiment_score":-0.006228929618373513},{"text":"Yes.","start":558.4,"end":558.9,"sentiment":"neutral","sentiment_score":0.09489241987466812},{"text":"Well, you go and enjoy, Mark.","start":559.68,"end":560.88,"sentiment":"neutral","sentiment_score":0.2792009338736534},{"text":"And if you have any questions, just get mad mad to, you know, put you through to me.","start":560.88,"end":565.54004,"sentiment":"neutral","sentiment_score":-0.011782017329500781},{"text":"Have a good one.","start":567.35297,"end":568.233,"sentiment":"positive","sentiment_score":0.7489840239286423}],"sentiment":"neutral","sentiment_score":0.12173314513386907,"num_words":37,"start":552.24,"end":568.233},{"sentences":[{"text":"Bye.","start":568.233,"end":568.733,"sentiment":"positive","sentiment_score":0.34537824988365173}],"sentiment":"positive","sentiment_score":0.34537824988365173,"num_words":1,"start":568.233,"end":568.733}]}}]},{"alternatives":[{"transcript":"Mark Wallace. Hello. The rest? I'm well. Thank you. How are you? That's okay. I don't know. It was blank. It was just no one there. Okay. Hey. Sorry. I wasn't available when you when you called back at 04:40, which was I was supposed to be available. I was on a changed call. Sorry. Yeah. It's okay. Oh, gosh. Hey. You sent through the amended portion of the of the device. Thank you for that. I just had a couple of quick questions, if you don't mind. On the on the page where yeah. I have a few pages. There are only page numbers. That's what I do. Hang on. One, two, page three, where the first table of numbers are. So on the on the in a proposed position, it's still got the taxable income of $10.02. Should that not be $10.02 less for $17,200? Your tax credit, correct. That was gonna be my next question. Okay. So that's fine. That's alright. That's okay. That's okay. No problem. Everything else all the numbers are correct. It's just that that one. Yeah. Got it. That's okay. Don't worry about it. Don't worry That's okay. That's alright. When on the fee comparison page what would that be? Page four five. Page five? Yep. So you've got we have hub 20four, hub 20four, hub twenty four across the top. We've got the total amount of $2,298.04 seven, and then you've got two different zero nine. That makes up the $22.09. Just for my education, what's the two two pools of money for? One's the one's the what amount? Pension amount. So what's the which one's the pension amount? Two zero nine. Okay. Fine. What is what is what is accumulation mean? What does that mean? Yep. Yep. Mhmm. Got it. Okay. Okay. Right. Got it. Okay. Okay. Alright. All good. That then brings me down to so the adviser service fee line there, 3957, then 330, and then 3469, there's only one amount being paid, isn't there? Oh, sorry. There's $33.30 on one oh, I get it now. Sorry. I'm dumb. Geez. I'm dumb. 3 45 6 7. Yeah. Go. Just like so the $3,395.07 is the total of the $3.30 plus the other fee. I've got it. Thank you. Righto. No. No. I don't know. I don't know. I don't know. And then on the last on the last table where it has the, if you like, the age breakdown, we've got the original recommendation, the updated recommendation. So the updated recommendation goes to age 82. The original recommendation goes to age 84. For the what am I missing there? This is what this is where we're gonna get to. Okay. Yeah. And all the rest. Yeah. Okay. Alright. I can I can I can yeah? Okay. Alright. That's fine. Okay. All good. They were the only questions I had. So that's that's all fine. I think Madison was after my after our bank account details for the TTR. Do you want do you do you want to take those down or would you like to speak? No. It's fucking horrible. I'm like oh, god. Hang on. Hang on a second. Hang on. Hang on. I gotta get it up. Put you on speaker so I can put you on speaker so I can talk to you and do this at the same time. The BSB is 064103. The account number is 100 42259. And that's in joint names. That's c b a. Yep. Yeah. It's it's Bulimba in Queensland. I think the formal name of the account is it might be Mark r and Linda r Wallace. From memory, it's been a long time since I looked at can I look at can I look at the statements for these days, do you? Probably should, but yeah. I know. It's not not the name not the same name, though. Okay. Great. Yep. Okay. Okay. She's she's smiling or frowning. Okay. And once I receive that, do I send something on to department home affairs? Or do you do that? Or how does that work for the salary sacrifice piece? Yep. Yep. Yep. Okay. Yep. Yep. Until you got it all set up. Yep. Yep. Okay. Yep. That's fine. Okay. That's good. Yep. Okay. Perfect. Alright. All very good. Yeah. Thanks, Larissa. All good help. Thanks. Oh, my god. I am actually I have finished, so I'm done. Yeah. And I lucky me. I know. I don't work in the finance industry. I work for the government. We knock off our respectable hours. Yeah. Yeah. Yeah. I know. I know. Took me a long time. Okay. Thank you. I will. I will. Okay. Cheers. Sure. Bye. 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Wallace. Hello. The rest? I'm well. Thank you.\n\nHow are you? That's okay. I don't know. It was blank. It was just no one there.\n\nOkay. Hey. Sorry. I wasn't available when you when you called back at 04:40, which was I was supposed to be available. I was on a changed call.\n\nSorry. Yeah. It's okay. Oh, gosh. Hey.\n\nYou sent through the amended portion of the of the device. Thank you for that. I just had a couple of quick questions, if you don't mind. On the on the page where yeah. I have a few pages.\n\nThere are only page numbers. That's what I do. Hang on. One, two, page three, where the first table of numbers are. So on the on the in a proposed position, it's still got the taxable income of $10.02.\n\nShould that not be $10.02 less for $17,200? Your tax credit, correct. That was gonna be my next question. Okay. So that's fine.\n\nThat's alright. That's okay. That's okay. No problem. Everything else all the numbers are correct.\n\nIt's just that that one. Yeah. Got it. That's okay. Don't worry about it.\n\nDon't worry That's okay. That's alright. When on the fee comparison page what would that be? Page four five. Page five?\n\nYep. So you've got we have hub 20four, hub 20four, hub twenty four across the top. We've got the total amount of $2,298.04 seven, and then you've got two different zero nine. That makes up the $22.09. Just for my education, what's the two two pools of money for?\n\nOne's the one's the what amount? Pension amount. So what's the which one's the pension amount? Two zero nine. Okay.\n\nFine. What is what is what is accumulation mean? What does that mean? Yep. Yep.\n\nMhmm. Got it. Okay. Okay. Right.\n\nGot it. Okay. Okay. Alright. All good.\n\nThat then brings me down to so the adviser service fee line there, 3957, then 330, and then 3469, there's only one amount being paid, isn't there? Oh, sorry. There's $33.30 on one oh, I get it now. Sorry. I'm dumb.\n\nGeez. I'm dumb. 3 45 6 7. Yeah. Go.\n\nJust like so the $3,395.07 is the total of the $3.30 plus the other fee. I've got it. Thank you. Righto. No.\n\nNo. I don't know. I don't know. I don't know. And then on the last on the last table where it has the, if you like, the age breakdown, we've got the original recommendation, the updated recommendation.\n\nSo the updated recommendation goes to age 82. The original recommendation goes to age 84. For the what am I missing there? This is what this is where we're gonna get to. Okay.\n\nYeah. And all the rest. Yeah. Okay. Alright.\n\nI can I can I can yeah? Okay. Alright. That's fine. Okay.\n\nAll good. They were the only questions I had. So that's that's all fine. I think Madison was after my after our bank account details for the TTR. Do you want do you do you want to take those down or would you like to speak?\n\nNo. It's fucking horrible. I'm like oh, god. Hang on. Hang on a second.\n\nHang on. Hang on. I gotta get it up. Put you on speaker so I can put you on speaker so I can talk to you and do this at the same time. The BSB is 064103.\n\nThe account number is 100 42259. And that's in joint names. That's c b a. Yep. Yeah.\n\nIt's it's Bulimba in Queensland. I think the formal name of the account is it might be Mark r and Linda r Wallace. From memory, it's been a long time since I looked at can I look at can I look at the statements for these days, do you? Probably should, but yeah. I know.\n\nIt's not not the name not the same name, though. Okay. Great. Yep. Okay.\n\nOkay. She's she's smiling or frowning. Okay. And once I receive that, do I send something on to department home affairs? Or do you do that?\n\nOr how does that work for the salary sacrifice piece? Yep. Yep. Yep. Okay.\n\nYep. Yep. Until you got it all set up. Yep. Yep.\n\nOkay. Yep. That's fine. Okay. That's good.\n\nYep. Okay. Perfect. Alright. All very good.\n\nYeah. Thanks, Larissa. All good help. Thanks. Oh, my god.\n\nI am actually I have finished, so I'm done. Yeah. And I lucky me. I know. I don't work in the finance industry.\n\nI work for the government. We knock off our respectable hours. Yeah. Yeah. Yeah.\n\nI know. I know. Took me a long time. Okay. Thank you.\n\nI will. I will. Okay. Cheers. Sure.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Mark Wallace.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.029310227371752262},{"text":"Hello.","start":4.72,"end":5.22,"sentiment":"positive","sentiment_score":0.34439653158187866},{"text":"The rest?","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2988612949848175},{"text":"I'm well.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.4738565981388092},{"text":"Thank you.","start":6.16,"end":6.56,"sentiment":"positive","sentiment_score":0.6001754403114319}],"sentiment":"positive","sentiment_score":0.34986707257727784,"num_words":9,"start":1.4399999,"end":6.56},{"sentences":[{"text":"How are you?","start":6.56,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.33246373136838275},{"text":"That's okay.","start":9.84,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.19045989960432053},{"text":"I don't 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on a changed call.","start":25.465,"end":27.81,"sentiment":"neutral","sentiment_score":-0.12354948744177818}],"sentiment":"neutral","sentiment_score":-0.12405139021575451,"num_words":28,"start":17.785,"end":27.81},{"sentences":[{"text":"Sorry.","start":31.49,"end":31.89,"sentiment":"neutral","sentiment_score":-0.12950074672698977},{"text":"Yeah.","start":31.89,"end":32.39,"sentiment":"neutral","sentiment_score":-0.082411028444767},{"text":"It's okay.","start":33.57,"end":34.309998,"sentiment":"neutral","sentiment_score":-0.008092595264315605},{"text":"Oh, gosh.","start":35.97,"end":36.77,"sentiment":"neutral","sentiment_score":0.05620701611042023},{"text":"Hey.","start":36.77,"end":37.27,"sentiment":"neutral","sentiment_score":0.07850028574466705}],"sentiment":"neutral","sentiment_score":-0.0053118068192686396,"num_words":7,"start":31.49,"end":37.27},{"sentences":[{"text":"You sent through the amended portion of the of the device.","start":38.05,"end":42.015,"sentiment":"neutral","sentiment_score":0.13440438563173468},{"text":"Thank you for that.","start":42.015,"end":43.155,"sentiment":"positive","sentiment_score":0.575300544500351},{"text":"I just had a couple of quick questions, if you don't mind.","start":44.095,"end":46.195,"sentiment":"neutral","sentiment_score":0.1334614735096693},{"text":"On the on the page where yeah.","start":47.695,"end":52.855,"sentiment":"neutral","sentiment_score":0.039838550346238275},{"text":"I have a few pages.","start":52.855,"end":54.095,"sentiment":"neutral","sentiment_score":0.021193490736186503}],"sentiment":"neutral","sentiment_score":0.14784680533772096,"num_words":39,"start":38.05,"end":54.095},{"sentences":[{"text":"There are only page numbers.","start":54.095,"end":55.375,"sentiment":"neutral","sentiment_score":0.00037791430950164797},{"text":"That's what I do.","start":55.375,"end":56.355,"sentiment":"neutral","sentiment_score":0.05012382287532091},{"text":"Hang on.","start":56.655,"end":57.315,"sentiment":"neutral","sentiment_score":0.03119478188455105},{"text":"One, two, page three, where the first table of numbers are.","start":57.59,"end":63.69,"sentiment":"neutral","sentiment_score":0.03472840870645913},{"text":"So on the on the in a proposed position, it's still got the taxable income of $10.02.","start":65.189995,"end":70.47,"sentiment":"neutral","sentiment_score":0.0010543746928520063}],"sentiment":"neutral","sentiment_score":0.017043879291472528,"num_words":39,"start":54.095,"end":70.47},{"sentences":[{"text":"Should that not be $10.02 less for $17,200?","start":70.47,"end":75.065,"sentiment":"neutral","sentiment_score":-0.021573724690824747},{"text":"Your tax credit, correct.","start":80.085,"end":81.465,"sentiment":"neutral","sentiment_score":0.03998878411948681},{"text":"That was gonna be my next question.","start":81.525,"end":83.065,"sentiment":"neutral","sentiment_score":-0.006020856489028249},{"text":"Okay.","start":83.125,"end":83.525,"sentiment":"neutral","sentiment_score":0.017749052494764328},{"text":"So that's fine.","start":83.525,"end":84.424995,"sentiment":"neutral","sentiment_score":0.03150280565023422}],"sentiment":"neutral","sentiment_score":0.0024989918684181953,"num_words":23,"start":70.47,"end":84.424995},{"sentences":[{"text":"That's alright.","start":87.490005,"end":88.130005,"sentiment":"neutral","sentiment_score":-0.044250717386603355},{"text":"That's okay.","start":88.130005,"end":89.01,"sentiment":"neutral","sentiment_score":-0.03202619589865208},{"text":"That's okay.","start":89.01,"end":89.75,"sentiment":"neutral","sentiment_score":0.05240098387002945},{"text":"No problem.","start":89.89,"end":90.61,"sentiment":"neutral","sentiment_score":0.07979762181639671},{"text":"Everything else all the numbers are correct.","start":90.61,"end":92.37,"sentiment":"neutral","sentiment_score":0.08941140132290977}],"sentiment":"neutral","sentiment_score":0.04918154627084732,"num_words":15,"start":87.490005,"end":92.37},{"sentences":[{"text":"It's just that that one.","start":92.37,"end":93.73,"sentiment":"neutral","sentiment_score":0.03817879669368267},{"text":"Yeah.","start":93.73,"end":94.130005,"sentiment":"neutral","sentiment_score":0.022854458540678024},{"text":"Got it.","start":94.130005,"end":94.87,"sentiment":"neutral","sentiment_score":0.12078887224197388},{"text":"That's okay.","start":95.090004,"end":95.57,"sentiment":"neutral","sentiment_score":0.17462566494941711},{"text":"Don't worry about it.","start":95.57,"end":96.21,"sentiment":"neutral","sentiment_score":0.05999428313225508}],"sentiment":"neutral","sentiment_score":0.0746110463514924,"num_words":14,"start":92.37,"end":96.21},{"sentences":[{"text":"Don't worry That's okay.","start":96.21,"end":97.845,"sentiment":"neutral","sentiment_score":0.09559673350304365},{"text":"That's alright.","start":98.145004,"end":98.885,"sentiment":"neutral","sentiment_score":0.11158636957406998},{"text":"When on the fee comparison page what would that be?","start":99.585,"end":106.145004,"sentiment":"neutral","sentiment_score":0.009032103139907122},{"text":"Page four five.","start":106.145004,"end":107.525,"sentiment":"neutral","sentiment_score":0.0033416077494621277},{"text":"Page five?","start":108.145004,"end":109.045,"sentiment":"neutral","sentiment_score":0.0038824079092592}],"sentiment":"neutral","sentiment_score":0.03398430207744241,"num_words":21,"start":96.21,"end":109.045},{"sentences":[{"text":"Yep.","start":110.61,"end":110.93,"sentiment":"neutral","sentiment_score":0.05641695857048035},{"text":"So you've got we have hub 20four, hub 20four, hub twenty four across the top.","start":110.93,"end":115.670006,"sentiment":"neutral","sentiment_score":0.04634593998392423},{"text":"We've got the total amount of $2,298.04 seven, and then you've got two different zero nine.","start":117.170006,"end":126.745,"sentiment":"neutral","sentiment_score":0.042407301894854754},{"text":"That makes up the $22.09.","start":127.525,"end":129.145,"sentiment":"neutral","sentiment_score":0.07695565819740295},{"text":"Just for my education, what's the two two pools of money for?","start":133.045,"end":138.53,"sentiment":"neutral","sentiment_score":0.0338136525824666}],"sentiment":"neutral","sentiment_score":0.045319694094359875,"num_words":49,"start":110.61,"end":138.53},{"sentences":[{"text":"One's the one's the what amount?","start":138.53,"end":144.79,"sentiment":"neutral","sentiment_score":0.01150080794468522},{"text":"Pension amount.","start":146.60999,"end":147.59,"sentiment":"neutral","sentiment_score":0.008798992726951838},{"text":"So what's the which one's the pension amount?","start":148.53,"end":150.71501,"sentiment":"neutral","sentiment_score":0.011861099512316287},{"text":"Two zero nine.","start":152.13501,"end":152.93501,"sentiment":"neutral","sentiment_score":0.006747171593209107},{"text":"Okay.","start":152.93501,"end":153.43501,"sentiment":"neutral","sentiment_score":0.04481722414493561}],"sentiment":"neutral","sentiment_score":0.01232751840725541,"num_words":20,"start":138.53,"end":153.43501},{"sentences":[{"text":"Fine.","start":153.57501,"end":154.07501,"sentiment":"neutral","sentiment_score":0.06280802190303802},{"text":"What is what is what is accumulation mean?","start":157.65501,"end":159.735,"sentiment":"neutral","sentiment_score":-0.0027600666508078575},{"text":"What does that mean?","start":159.735,"end":160.79501,"sentiment":"neutral","sentiment_score":-0.01859291736036539},{"text":"Yep.","start":164.84999,"end":165.34999,"sentiment":"neutral","sentiment_score":0.06370769441127777},{"text":"Yep.","start":168.37,"end":168.87,"sentiment":"neutral","sentiment_score":0.040635865181684494}],"sentiment":"neutral","sentiment_score":0.004713291923205058,"num_words":15,"start":153.57501,"end":168.87},{"sentences":[{"text":"Mhmm.","start":171.97,"end":172.47,"sentiment":"neutral","sentiment_score":0.02165113016963005},{"text":"Got 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frowning.","start":445.23,"end":447.09,"sentiment":"neutral","sentiment_score":-0.12492281049489976},{"text":"Okay.","start":450.03,"end":450.53,"sentiment":"neutral","sentiment_score":-0.002246841788291931},{"text":"And once I receive that, do I send something on to department home affairs?","start":450.83,"end":457.425,"sentiment":"neutral","sentiment_score":-0.021443836324449097},{"text":"Or do you do that?","start":457.485,"end":459.00497,"sentiment":"neutral","sentiment_score":-0.024260246008634568}],"sentiment":"neutral","sentiment_score":-0.04010217378918941,"num_words":26,"start":441.95,"end":459.00497},{"sentences":[{"text":"Or how does that work for the salary sacrifice piece?","start":459.00497,"end":463.025,"sentiment":"neutral","sentiment_score":-0.059138307347893715},{"text":"Yep.","start":472.94998,"end":473.34998,"sentiment":"neutral","sentiment_score":0.05566056817770004},{"text":"Yep.","start":473.34998,"end":473.84998,"sentiment":"neutral","sentiment_score":0.04744253680109978},{"text":"Yep.","start":475.34998,"end":475.84998,"sentiment":"neutral","sentiment_score":0.061660028994083405},{"text":"Okay.","start":483.375,"end":483.535,"sentiment":"neutral","sentiment_score":0.045239806175231934}],"sentiment":"neutral","sentiment_score":-0.027241438095058714,"num_words":14,"start":459.00497,"end":483.535},{"sentences":[{"text":"Yep.","start":483.535,"end":484.035,"sentiment":"neutral","sentiment_score":0.03754221647977829},{"text":"Yep.","start":487.695,"end":488.095,"sentiment":"neutral","sentiment_score":0.012651821598410606},{"text":"Until you got it all set up.","start":488.095,"end":489.71503,"sentiment":"neutral","sentiment_score":0.021295064794165746},{"text":"Yep.","start":491.45502,"end":491.95502,"sentiment":"neutral","sentiment_score":0.012538294307887554},{"text":"Yep.","start":494.82,"end":495.32,"sentiment":"neutral","sentiment_score":0.00879824347794056}],"sentiment":"neutral","sentiment_score":0.020054184493016113,"num_words":11,"start":483.535,"end":495.32},{"sentences":[{"text":"Okay.","start":497.54,"end":498.04,"sentiment":"neutral","sentiment_score":-0.0031980061903595924},{"text":"Yep.","start":498.1,"end":498.6,"sentiment":"neutral","sentiment_score":-0.02610049210488796},{"text":"That's fine.","start":503.53998,"end":504.1,"sentiment":"neutral","sentiment_score":-0.054336536675691605},{"text":"Okay.","start":504.1,"end":504.5,"sentiment":"neutral","sentiment_score":0.12606558203697205},{"text":"That's good.","start":504.5,"end":505.155,"sentiment":"neutral","sentiment_score":0.2511829435825348}],"sentiment":"neutral","sentiment_score":0.07006569965077299,"num_words":7,"start":497.54,"end":505.155},{"sentences":[{"text":"Yep.","start":505.875,"end":506.375,"sentiment":"neutral","sentiment_score":0.060544610023498535},{"text":"Okay.","start":514.275,"end":514.775,"sentiment":"neutral","sentiment_score":0.021651457995176315},{"text":"Perfect.","start":516.195,"end":516.695,"sentiment":"positive","sentiment_score":0.45296210050582886},{"text":"Alright.","start":518.85,"end":519.25,"sentiment":"positive","sentiment_score":0.34943366050720215},{"text":"All very good.","start":519.25,"end":520.23,"sentiment":"positive","sentiment_score":0.5390429099400839}],"sentiment":"positive","sentiment_score":0.3573886512645653,"num_words":7,"start":505.875,"end":520.23},{"sentences":[{"text":"Yeah.","start":522.05,"end":522.37,"sentiment":"neutral","sentiment_score":0.3231486678123474},{"text":"Thanks, Larissa.","start":522.37,"end":523.26996,"sentiment":"positive","sentiment_score":0.46559956669807434},{"text":"All good help.","start":525.88995,"end":526.79,"sentiment":"positive","sentiment_score":0.5213603774706522},{"text":"Thanks.","start":530.85,"end":531.35,"sentiment":"neutral","sentiment_score":0.29870569705963135},{"text":"Oh, my god.","start":533.745,"end":534.805,"sentiment":"neutral","sentiment_score":0.012659112612406412}],"sentiment":"neutral","sentiment_score":0.31551119685173035,"num_words":10,"start":522.05,"end":534.805},{"sentences":[{"text":"I am actually I have finished, so I'm done.","start":535.26495,"end":538.32495,"sentiment":"neutral","sentiment_score":0.02244829862482018},{"text":"Yeah.","start":539.02496,"end":539.52496,"sentiment":"neutral","sentiment_score":0.15682482719421387},{"text":"And I lucky me.","start":540.70496,"end":541.745,"sentiment":"neutral","sentiment_score":0.12103716284036636},{"text":"I know.","start":541.745,"end":542.065,"sentiment":"neutral","sentiment_score":-0.010365664958953857},{"text":"I don't work in the finance industry.","start":542.065,"end":543.76495,"sentiment":"neutral","sentiment_score":-0.09842960110732488}],"sentiment":"neutral","sentiment_score":0.00579433167434257,"num_words":23,"start":535.26495,"end":543.76495},{"sentences":[{"text":"I work for the government.","start":543.90497,"end":545.125,"sentiment":"neutral","sentiment_score":-0.05097311921417713},{"text":"We knock off our respectable hours.","start":547.9,"end":550.08,"sentiment":"neutral","sentiment_score":0.017654547778268654},{"text":"Yeah.","start":553.98004,"end":554.14,"sentiment":"neutral","sentiment_score":0.004438181407749653},{"text":"Yeah.","start":554.14,"end":554.22003,"sentiment":"neutral","sentiment_score":0.0003257226198911667},{"text":"Yeah.","start":554.22003,"end":554.30005,"sentiment":"neutral","sentiment_score":-0.009156986139714718}],"sentiment":"neutral","sentiment_score":-0.010952242250953401,"num_words":14,"start":543.90497,"end":554.30005},{"sentences":[{"text":"I know.","start":554.30005,"end":554.78,"sentiment":"neutral","sentiment_score":-0.03387662582099438},{"text":"I know.","start":554.78,"end":555.52,"sentiment":"neutral","sentiment_score":-0.05757369101047516},{"text":"Took me a long time.","start":556.54004,"end":557.76,"sentiment":"neutral","sentiment_score":-0.09713312685489654},{"text":"Okay.","start":560.94,"end":561.33295,"sentiment":"neutral","sentiment_score":0.1484428197145462},{"text":"Thank you.","start":561.41296,"end":562.07294,"sentiment":"neutral","sentiment_score":0.06823423132300377}],"sentiment":"neutral","sentiment_score":-0.03197124879807234,"num_words":12,"start":554.30005,"end":562.07294},{"sentences":[{"text":"I will.","start":564.0529,"end":564.71295,"sentiment":"neutral","sentiment_score":0.05892780050635338},{"text":"I will.","start":564.77295,"end":565.41296,"sentiment":"neutral","sentiment_score":0.02043251320719719},{"text":"Okay.","start":565.41296,"end":565.91296,"sentiment":"positive","sentiment_score":0.3689391016960144},{"text":"Cheers.","start":566.45294,"end":566.95294,"sentiment":"positive","sentiment_score":0.7269312143325806},{"text":"Sure.","start":568.13293,"end":568.45294,"sentiment":"positive","sentiment_score":0.4956989586353302}],"sentiment":"neutral","sentiment_score":0.25004141458443235,"num_words":7,"start":564.0529,"end":568.45294},{"sentences":[{"text":"Bye.","start":568.45294,"end":568.77295,"sentiment":"neutral","sentiment_score":0.19449913501739505},{"text":"Bye.","start":568.77295,"end":569.27295,"sentiment":"neutral","sentiment_score":-0.09310542047023772}],"sentiment":"neutral","sentiment_score":0.050696857273578665,"num_words":2,"start":568.45294,"end":569.27295}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Mark Wallace.\n\nChannel 0: Hi, Mark. Larissa from Roadview. How are\n\nChannel 1: Hello.\n\nChannel 0: you going?\n\nChannel 1: The rest? I'm well. Thank you. How are you?\n\nChannel 0: Good. Sorry about that. I'm not\n\nChannel 1: That's\n\nChannel 0: sure what\n\nChannel 1: okay.\n\nChannel 0: happened. It just\n\nChannel 1: I don't\n\nChannel 0: totally\n\nChannel 1: know.\n\nChannel 0: dropped\n\nChannel 1: It\n\nChannel 0: through.\n\nChannel 1: was blank. It was just no one there.\n\nChannel 0: Yeah. I had the same thing. It was kind of very staticky, to be honest.\n\nChannel 1: Okay. Hey. Sorry. I wasn't available when you when you called back at 04:40, which was I was supposed to be available. I was on a changed call.\n\nChannel 0: That's okay. I actually called at 04:45, so I forgive\n\nChannel 1: Sorry.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: I was late.\n\nChannel 1: It's okay. Oh, gosh. Hey. You sent through the amended portion of the of the device. Thank you for that.\n\nChannel 0: That's okay.\n\nChannel 1: I just had a couple of quick questions, if you don't mind.\n\nChannel 0: Absolutely.\n\nChannel 1: On the on the page where yeah. I have a few pages. There are only page numbers. That's what I do. Hang on.\n\nOne,\n\nChannel 0: It's\n\nChannel 1: two,\n\nChannel 0: okay.\n\nChannel 1: page three,\n\nChannel 0: That works.\n\nChannel 1: where the first table of numbers are.\n\nChannel 0: Yep.\n\nChannel 1: So on the on the in a proposed position, it's still got the taxable income of $10.02. Should that not be $10.02 less for $17,200?\n\nChannel 0: Yes. The the tax is calculated correctly, but\n\nChannel 1: Your tax\n\nChannel 0: yes.\n\nChannel 1: credit, correct. That was gonna be my next question. Okay. So that's fine.\n\nChannel 0: I'm just retarded at least special today, obviously.\n\nChannel 1: That's alright.\n\nChannel 0: Oh\n\nChannel 1: That's\n\nChannel 0: my god.\n\nChannel 1: okay.\n\nChannel 0: Sorry.\n\nChannel 1: That's okay.\n\nChannel 0: Yes. Yes.\n\nChannel 1: No\n\nChannel 0: Correct.\n\nChannel 1: problem. Everything else all the numbers are correct. It's just\n\nChannel 0: Yeah.\n\nChannel 1: that that\n\nChannel 0: Yeah.\n\nChannel 1: one.\n\nChannel 0: I'm looking\n\nChannel 1: Yeah.\n\nChannel 0: at the numbers.\n\nChannel 1: Got it.\n\nChannel 0: Everything else is correct.\n\nChannel 1: That's okay.\n\nChannel 0: I've just\n\nChannel 1: Don't worry\n\nChannel 0: somehow\n\nChannel 1: about it. Don't worry\n\nChannel 0: not\n\nChannel 1: That's\n\nChannel 0: carried\n\nChannel 1: okay.\n\nChannel 0: that down.\n\nChannel 1: That's alright. When on the fee comparison page what would that be? Page four five. Page\n\nChannel 0: Following\n\nChannel 1: five?\n\nChannel 0: page. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Following\n\nChannel 1: So\n\nChannel 0: next\n\nChannel 1: you've\n\nChannel 0: page.\n\nChannel 1: got\n\nChannel 0: Yep.\n\nChannel 1: we have hub 20four, hub 20four, hub twenty four across the top.\n\nChannel 0: Yep.\n\nChannel 1: We've got the total amount of $2,298.04\n\nChannel 0: Yep.\n\nChannel 1: seven, and then\n\nChannel 0: Yep.\n\nChannel 1: you've got two different zero nine.\n\nChannel 0: Yep.\n\nChannel 1: That makes up the $22.09.\n\nChannel 0: Yep.\n\nChannel 1: Just for my education, what's the two two pools of money for? One's\n\nChannel 0: One's the accumulation. One's the pension amount. So\n\nChannel 1: the one's\n\nChannel 0: the accumulation\n\nChannel 1: the what amount?\n\nChannel 0: pension, so that that\n\nChannel 1: Pension\n\nChannel 0: TTR\n\nChannel 1: amount.\n\nChannel 0: yep. So\n\nChannel 1: So what's\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: two\n\nChannel 1: which one's the pension amount?\n\nChannel 0: 209 is the\n\nChannel 1: Two\n\nChannel 0: pension\n\nChannel 1: zero\n\nChannel 0: amount.\n\nChannel 1: nine. Okay.\n\nChannel 0: Two\n\nChannel 1: Fine.\n\nChannel 0: zero nine is the pension amount. $20 is the accumulation. So\n\nChannel 1: What is\n\nChannel 0: in the\n\nChannel 1: what is\n\nChannel 0: accumulation\n\nChannel 1: what is accumulation mean? What does that mean?\n\nChannel 0: so right now, your super fund is an accumulation fund. That is literally\n\nChannel 1: Yep.\n\nChannel 0: what is act is actually referred to as within\n\nChannel 1: Yep.\n\nChannel 0: the industry. So it is an accumulation account because\n\nChannel 1: Mhmm.\n\nChannel 0: it is you are an accumulation phase. You are a working non\n\nChannel 1: Got\n\nChannel 0: retired\n\nChannel 1: it.\n\nChannel 0: person. Your\n\nChannel 1: Okay.\n\nChannel 0: funds are currently in accumulation phase. The\n\nChannel 1: Okay.\n\nChannel 0: pension account is the exact same thing as an accumulation account. However, it's basically the phase of the account changes, which allows the money to actually be distributed out.\n\nChannel 1: Right. Got it. Okay. Okay. Alright.\n\nAll good. That then brings me down to so the adviser service fee line there, 3957, then 330, and then 3469, there's only one amount being paid, isn't there? Oh, sorry. There's $33.30 on one oh, I get it now. Sorry.\n\nI'm dumb. Geez. I'm\n\nChannel 0: Not dumb. Not dumb.\n\nChannel 1: dumb. 3\n\nChannel 0: Sometimes\n\nChannel 1: 45\n\nChannel 0: you just\n\nChannel 1: 6\n\nChannel 0: need to\n\nChannel 1: 7.\n\nChannel 0: talk sometimes\n\nChannel 1: Yeah.\n\nChannel 0: you just\n\nChannel 1: Go.\n\nChannel 0: wanna talk it out.\n\nChannel 1: Just like so the $3,395.07 is the total of the $3.30 plus the other fee. I've got it. Thank you.\n\nChannel 0: Yeah. I didn't\n\nChannel 1: Righto.\n\nChannel 0: you said it all. I said nothing. You're\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: No. I don't know. I don't know. I don't know. And then on the last on the last table where it has the,\n\nChannel 0: Mhmm.\n\nChannel 1: if you like, the age breakdown, we've got the original recommendation, the updated recommendation.\n\nChannel 0: Yep.\n\nChannel 1: So the updated recommendation goes to age 82.\n\nChannel 0: Yep.\n\nChannel 1: The original recommendation goes to age 84.\n\nChannel 0: Yep.\n\nChannel 1: For the what am I missing there?\n\nChannel 0: No. So little bit less money starting in the account. Money runs out faster. It is a snapshot, and it's not including any Centrelink. So it's it's a I do it as a, hey.\n\nWorst case scenario, this is where we're\n\nChannel 1: This\n\nChannel 0: sitting\n\nChannel 1: is what\n\nChannel 0: at.\n\nChannel 1: this is where we're gonna get to. Okay.\n\nChannel 0: Correct. And that's if we actually continue to draw down that full amount and all the rest of\n\nChannel 1: Yeah.\n\nChannel 0: like, it\n\nChannel 1: And all\n\nChannel 0: it's\n\nChannel 1: the rest.\n\nChannel 0: a snapshot in time. I just like\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Okay.\n\nChannel 0: do it\n\nChannel 1: Alright.\n\nChannel 0: as a reference point,\n\nChannel 1: I can\n\nChannel 0: really.\n\nChannel 1: I can I can yeah? Okay. Alright. That's fine. Okay.\n\nAll good. They were the only questions I had. So that's that's all fine. I think Madison was after my after our bank account details for the TTR.\n\nChannel 0: She sure is.\n\nChannel 1: Do you want\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: this\n\nChannel 1: you do you want to take those down or would you like\n\nChannel 0: I\n\nChannel 1: to\n\nChannel 0: I sure\n\nChannel 1: speak?\n\nChannel 0: can take them down. I mean, you could always talk to her. She's quite lovely, but\n\nChannel 1: No. It's\n\nChannel 0: I think\n\nChannel 1: fucking horrible.\n\nChannel 0: I like\n\nChannel 1: I'm\n\nChannel 0: to\n\nChannel 1: like\n\nChannel 0: be think I'm better.\n\nChannel 1: oh, god. Hang on. Hang on a second. Hang on. Hang on.\n\nI gotta get it up.\n\nChannel 0: No. You're so fine.\n\nChannel 1: Put you on speaker so I can put you on speaker so I can talk to you and do this at the same time.\n\nChannel 0: Every day.\n\nChannel 1: The BSB\n\nChannel 0: Mhmm.\n\nChannel 1: is 064103.\n\nChannel 0: Yep.\n\nChannel 1: The account number is 100\n\nChannel 0: Yep.\n\nChannel 1: 42259.\n\nChannel 0: Perfect.\n\nChannel 1: And that's in joint names. That's\n\nChannel 0: Cool.\n\nChannel 1: c b a.\n\nChannel 0: That was gonna be my next question. So it's a CBA account.\n\nChannel 1: Yep.\n\nChannel 0: Do you know the branch that you belong to?\n\nChannel 1: Yeah. It's it's Bulimba in Queensland.\n\nChannel 0: Perfect. Look. I mean, worst case scenario, I just do a BSP lockup, so it's not really the end of the world. But what's the name of the account?\n\nChannel 1: I think the formal name of the account is it might be Mark r and Linda r Wallace. From memory, it's been a long time since I looked at can I look at can I look at the statements for these days, do you?\n\nChannel 0: No. You don't.\n\nChannel 1: Probably should,\n\nChannel 0: Generally\n\nChannel 1: but\n\nChannel 0: generally, you can go into the account and see who's on the account, but that's absolutely fine. I also love that you guys have the same initial for your middle name.\n\nChannel 1: yeah.\n\nChannel 0: K.\n\nChannel 1: I know. It's not not the name not the same name, though.\n\nChannel 0: I assumed not. Generally, not not gonna be the same. Perfect. Alright. I can add those.\n\nI can get those details added,\n\nChannel 1: Okay.\n\nChannel 0: get\n\nChannel 1: Great.\n\nChannel 0: the account happen happening. Well, Madison will. And she'll get the documents sent out to you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now that will be she'll send it to you tomorrow. I'm just\n\nChannel 1: Okay.\n\nChannel 0: I'm looking at her in her eyeballs to see whether whether she has\n\nChannel 1: She's\n\nChannel 0: time to do it\n\nChannel 1: she's\n\nChannel 0: tonight,\n\nChannel 1: smiling\n\nChannel 0: but\n\nChannel 1: or frowning.\n\nChannel 0: yeah. And she's telling me it's for tomorrow.\n\nChannel 1: Okay. And once I receive that, do I send something on to department home affairs? Or do you do that? Or how does that work for the salary\n\nChannel 0: Department\n\nChannel 1: sacrifice\n\nChannel 0: of home and\n\nChannel 1: piece?\n\nChannel 0: oh, cool. No. That's fine. Yes. So tomorrow, what you're gonna get is you're gonna get one email for one email from Madison, which will be for you to sign and authorize\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: the pension account to be set up.\n\nChannel 1: Yep.\n\nChannel 0: The second email is going to come through for a salary sacrifice confirmation. Now\n\nChannel 1: Okay. Yep.\n\nChannel 0: what I want you to do is actually hold the salary sacrifice off\n\nChannel 1: Yep. Until\n\nChannel 0: until\n\nChannel 1: you got it all\n\nChannel 0: the\n\nChannel 1: set up.\n\nChannel 0: until the pension account is set up. Because the pension\n\nChannel 1: Yep.\n\nChannel 0: account is gonna take a few days, maybe a week tops, And\n\nChannel 1: Yep.\n\nChannel 0: until we have the first payment date set,\n\nChannel 1: Okay. Yep.\n\nChannel 0: I don't want I don't want work to start docking your pay and then leave you short.\n\nChannel 1: That's fine. Okay. That's good.\n\nChannel 0: Okay? So we'll\n\nChannel 1: Yep.\n\nChannel 0: set we'll set it all up and send it to you, but you just kinda hold and Mads will give you a call and and she'll tell you to pull the trigger when\n\nChannel 1: Okay.\n\nChannel 0: she has a date.\n\nChannel 1: Perfect. Alright.\n\nChannel 0: Cool\n\nChannel 1: All\n\nChannel 0: beans.\n\nChannel 1: very good.\n\nChannel 0: Too easy.\n\nChannel 1: Yeah. Thanks, Larissa.\n\nChannel 0: That's okay. My pleasure.\n\nChannel 1: All good help.\n\nChannel 0: Yes. Well, I will let you go for the evening. I hope\n\nChannel 1: Thanks.\n\nChannel 0: that work comes down and you can able able to\n\nChannel 1: Oh,\n\nChannel 0: pack up\n\nChannel 1: my\n\nChannel 0: and go\n\nChannel 1: god.\n\nChannel 0: home eventually.\n\nChannel 1: I am actually I have finished, so I'm done.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: lucky you.\n\nChannel 1: And I lucky me. I know. I don't work in the finance industry. I work for the government.\n\nChannel 0: Oh, that's that's good. Nine\n\nChannel 1: We\n\nChannel 0: to five.\n\nChannel 1: knock off our respectable hours.\n\nChannel 0: You do. You do. I I might learn that trade one day.\n\nChannel 1: Yeah. Yeah. Yeah. I know. I know.\n\nTook me a long time.\n\nChannel 0: Yes. Well, you go and enjoy, Mark. And\n\nChannel 1: Okay.\n\nChannel 0: if you have\n\nChannel 1: Thank\n\nChannel 0: any\n\nChannel 1: you.\n\nChannel 0: questions, just get mad mad to, you know,\n\nChannel 1: I will.\n\nChannel 0: put you through\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: will.\n\nChannel 0: me.\n\nChannel 1: Okay. Cheers.\n\nChannel 0: Have a good one.\n\nChannel 1: Sure.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Mark Wallace.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.029310227371752262}],"sentiment":"neutral","sentiment_score":0.029310227371752262,"channel":1,"num_words":2,"start":1.4399999,"end":2.26},{"sentences":[{"text":"Hi, Mark.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.17902479320764542},{"text":"Larissa from Roadview.","start":3.36,"end":4.48,"sentiment":"neutral","sentiment_score":0.254995197057724},{"text":"How are","start":4.48,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.3006971776485443}],"sentiment":"neutral","sentiment_score":0.24634707612650736,"channel":0,"num_words":7,"start":2.6399999,"end":4.7999997},{"sentences":[{"text":"Hello.","start":4.72,"end":5.22,"sentiment":"positive","sentiment_score":0.34439653158187866}],"sentiment":"positive","sentiment_score":0.34439653158187866,"channel":1,"num_words":1,"start":4.72,"end":5.22},{"sentences":[{"text":"you 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representative from Roadview called Mark to discuss a device and the age breakdown of the customer's account. They also discussed adding retirement information and the process of adding necessary information to the account. The agent provided the account number and informed the customer that the BSP lockup is not complete until the pension account is set up. The agent instructed the customer to hold the salary sacrifice until the pension account is set up and promised to call the customer back with further instructions. The customer expressed frustration with the agent's promises and asked for further questions."},"intents":{"segments":[{"text":"The the tax is calculated correctly, but Your tax yes. credit, correct.","start_word":208,"end_word":219,"intents":[{"intent":"Request clarification on tax calculation","confidence_score":0.0038190573}]},{"text":"And then on the last on the last table where it has the, Mhmm. if you like, the age breakdown, we've got the original recommendation, the updated recommendation. 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I hope Thanks.","start_word":1449,"end_word":1460,"intents":[{"intent":"Help with evening activities","confidence_score":0.000004560269}]}]},"sentiments":{"segments":[{"text":"Mark Wallace. Hi, Mark. Larissa from Roadview. How are Hello. you going? The rest?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2378188818693161},{"text":"I'm well. Thank you. How are you?","start_word":14,"end_word":20,"sentiment":"positive","sentiment_score":0.4561774134635926},{"text":"Good. Sorry about that. I'm not sure That's what happened. okay. It just I totally don't know. dropped It through. was blank. It was just no one there. Yeah. I had the same thing.","start_word":21,"end_word":54,"sentiment":"neutral","sentiment_score":-0.2056401818990707},{"text":"It was kind of very staticky, to be honest.","start_word":55,"end_word":63,"sentiment":"negative","sentiment_score":-0.4490441679954529},{"text":"Okay. Hey. Sorry. I wasn't available when you when you called back at 04:40, which was I was supposed to be available. I was on a changed call. That's okay. I actually called at 04:45, so I forgive Sorry. you. Yeah. I was late. It's okay. Oh, gosh. Hey. You sent through the amended portion of the of the device.","start_word":64,"end_word":123,"sentiment":"neutral","sentiment_score":-0.05178114026784897},{"text":"Thank you for that. That's okay.","start_word":124,"end_word":129,"sentiment":"positive","sentiment_score":0.45921164751052856},{"text":"I just had a couple of quick questions, if you don't mind. Absolutely. On the on the page where yeah. I have a few pages. There are only page numbers. That's what I do. Hang on. One, It's two, okay. page three, That works. where the first table of numbers are. Yep. So on the on the in a proposed position, it's still got the taxable income of $10.02. Should that not be $10.02 less for $17,200? Yes. The the tax is calculated correctly, but Your tax yes. credit, correct. That was gonna be my next question. Okay. So that's fine. I'm just retarded at least special today, obviously. That's alright. Oh That's my god. okay. Sorry. That's okay. Yes. Yes. No Correct. problem. Everything else all the numbers are correct. It's just Yeah. that that Yeah. one. I'm looking Yeah. at the numbers. Got it. Everything else is correct. That's okay. I've just Don't worry somehow about it. Don't worry not That's carried okay. that down. That's alright. When on the fee comparison page what would that be? Page four five. Page Following five? page. Yep. Yep. Following So next you've page. got Yep. we have hub 20four, hub 20four, hub twenty four across the top. Yep. We've got the total amount of $2,298.04 Yep. seven, and then Yep. you've got two different zero nine. Yep. That makes up the $22.09. Yep. Just for my education, what's the two two pools of money for? One's One's the accumulation. One's the pension amount. So the one's the accumulation the what amount? pension, so that that Pension TTR amount. yep. So So what's the the two which one's the pension amount? 209 is the Two pension zero amount. nine. Okay. Two Fine. zero nine is the pension amount. $20 is the accumulation. So What is in the what is accumulation what is accumulation mean? What does that mean? so right now, your super fund is an accumulation fund. That is literally Yep. what is act is actually referred to as within Yep. the industry. So it is an accumulation account because Mhmm. it is you are an accumulation phase. You are a working non Got retired it. person. Your Okay. funds are currently in accumulation phase. The Okay. pension account is the exact same thing as an accumulation account. However, it's basically the phase of the account changes, which allows the money to actually be distributed out. Right. Got it. Okay. Okay.","start_word":130,"end_word":540,"sentiment":"neutral","sentiment_score":0.03575241417508491},{"text":"Alright. All good.","start_word":541,"end_word":543,"sentiment":"positive","sentiment_score":0.4577558934688568},{"text":"That then brings me down to so the adviser service fee line there, 3957, then 330, and then 3469, there's only one amount being paid, isn't there? Oh, sorry. There's $33.30 on one oh, I get it now.","start_word":544,"end_word":581,"sentiment":"neutral","sentiment_score":-0.01814691536128521},{"text":"Sorry. I'm dumb. Geez. I'm Not dumb. Not dumb.","start_word":582,"end_word":590,"sentiment":"negative","sentiment_score":-0.49218523502349854},{"text":"dumb. 3 Sometimes 45 you just 6 need to 7. talk sometimes Yeah. you just Go. wanna talk it out. Just like so the $3,395.07 is the total of the $3.30 plus the other fee. I've got it.","start_word":591,"end_word":628,"sentiment":"neutral","sentiment_score":0.01349219444550966},{"text":"Thank you.","start_word":629,"end_word":630,"sentiment":"positive","sentiment_score":0.4955629110336304},{"text":"Yeah. I didn't Righto. you said it all. I said nothing. You're No. okay. No. I don't know. I don't know. I don't know. And then on the last on the last table where it has the, Mhmm. if you like, the age breakdown, we've got the original recommendation, the updated recommendation. Yep. So the updated recommendation goes to age 82. Yep. The original recommendation goes to age 84. Yep. For the what am I missing there? No. So little bit less money starting in the account. Money runs out faster. It is a snapshot, and it's not including any Centrelink. So it's it's a I do it as a, hey. Worst case scenario, this is where we're This sitting is what at. this is where we're gonna get to. Okay. Correct. And that's if we actually continue to draw down that full amount and all the rest of Yeah. like, it And all it's the rest. a snapshot in time. I just like Yeah. to Okay. do it Alright. as a reference point, I can really. I can I can yeah? Okay. Alright. That's fine. Okay. All good. They were the only questions I had. So that's that's all fine. I think Madison was after my after our bank account details for the TTR. She sure is. Do you want So do this you do you want to take those down or would you like I to I sure speak? can take them down. I mean, you could always talk to her. She's quite lovely, but No.","start_word":631,"end_word":888,"sentiment":"neutral","sentiment_score":-0.01697484403848648},{"text":"It's I think fucking horrible. I like I'm to like be think I'm better.","start_word":889,"end_word":902,"sentiment":"negative","sentiment_score":-0.6807087659835815},{"text":"oh, god. Hang on. Hang on a second. Hang on. Hang on. I gotta get it up. No. You're so fine. Put you on speaker so I can put you on speaker so I can talk to you and do this at the same time. Every day. The BSB Mhmm. is 064103. Yep. The account number is 100 Yep. 42259. Perfect.","start_word":903,"end_word":963,"sentiment":"neutral","sentiment_score":0.014245305637844274},{"text":"And that's in joint names. That's Cool.","start_word":964,"end_word":970,"sentiment":"positive","sentiment_score":0.4374719858169556},{"text":"c b a. That was gonna be my next question. So it's a CBA account. Yep. Do you know the branch that you belong to? Yeah. It's it's Bulimba in Queensland.","start_word":971,"end_word":1001,"sentiment":"neutral","sentiment_score":0.0377107672393322},{"text":"Perfect.","start_word":1002,"end_word":1002,"sentiment":"positive","sentiment_score":0.38779759407043457},{"text":"Look. I mean, worst case scenario, I just do a BSP lockup, so it's not really the end of the world. But what's the name of the account? I think the formal name of the account is it might be Mark r and Linda r Wallace. From memory, it's been a long time since I looked at can I look at can I look at the statements for these days, do you? No. You don't. Probably should, Generally but generally, you can go into the account and see who's on the account, but that's absolutely fine.","start_word":1003,"end_word":1098,"sentiment":"neutral","sentiment_score":0.004485679790377617},{"text":"I also love that you guys have the same initial for your middle name.","start_word":1099,"end_word":1112,"sentiment":"positive","sentiment_score":0.44264960289001465},{"text":"yeah. K. I know. It's not not the name not the same name, though. I assumed not. Generally, not not gonna be the same. Perfect. Alright. I can add those. I can get those details added, Okay.","start_word":1113,"end_word":1149,"sentiment":"neutral","sentiment_score":0.02983138896524906},{"text":"get Great.","start_word":1150,"end_word":1151,"sentiment":"positive","sentiment_score":0.33904266357421875},{"text":"the account happen happening. Well, Madison will. And she'll get the documents sent out to you. Yep. Okay. Now that will be she'll send it to you tomorrow. I'm just Okay. I'm looking at her in her eyeballs to see whether whether she has She's time to do it she's tonight, smiling but or frowning. yeah. And she's telling me it's for tomorrow. Okay. And once I receive that, do I send something on to department home affairs? Or do you do that? Or how does that work for the salary Department sacrifice of home and piece? oh, cool. No. That's fine. Yes. So tomorrow, what you're gonna get is you're gonna get one email for one email from Madison, which will be for you to sign and authorize Yep. for Yep. the pension account to be set up. Yep. The second email is going to come through for a salary sacrifice confirmation. Now Okay. Yep. what I want you to do is actually hold the salary sacrifice off Yep. Until until you got it all the set up. until the pension account is set up. Because the pension Yep. account is gonna take a few days, maybe a week tops, And Yep. until we have the first payment date set, Okay. Yep. I don't want I don't want work to start docking your pay and then leave you short. That's fine. Okay. That's good. Okay? So we'll Yep. set we'll set it all up and send it to you, but you just kinda hold and Mads will give you a call and and she'll tell you to pull the trigger when Okay. she has a date.","start_word":1152,"end_word":1428,"sentiment":"neutral","sentiment_score":0.019646030386728287},{"text":"Perfect. Alright. Cool All beans. very good. Too easy.","start_word":1429,"end_word":1437,"sentiment":"positive","sentiment_score":0.42921024560928345},{"text":"Yeah.","start_word":1438,"end_word":1438,"sentiment":"neutral","sentiment_score":0.3231486678123474},{"text":"Thanks, Larissa. That's okay. My pleasure. All good help.","start_word":1439,"end_word":1447,"sentiment":"positive","sentiment_score":0.4888426959514618},{"text":"Yes. Well, I will let you go for the evening. I hope Thanks. that work comes down and you can able able to Oh, pack up my and go god. home eventually. I am actually I have finished, so I'm done. Oh, Yeah. lucky you. And I lucky me. I know. I don't work in the finance industry. I work for the government. Oh, that's that's good. Nine We to five. knock off our respectable hours. You do. You do. I I might learn that trade one day. Yeah. Yeah. Yeah. I know. I know. Took me a long time. Yes. Well, you go and enjoy, Mark. And Okay. if you have Thank any you. questions, just get mad mad to, you know, I will. put you through I to will. me.","start_word":1448,"end_word":1579,"sentiment":"neutral","sentiment_score":0.054901527099762905},{"text":"Okay. Cheers. Have a good one. Sure. Bye.","start_word":1580,"end_word":1587,"sentiment":"positive","sentiment_score":0.5861671566963196},{"text":"Bye. Bye.","start_word":1588,"end_word":1589,"sentiment":"neutral","sentiment_score":0.16161763668060303}],"average":{"sentiment":"neutral","sentiment_score":0.02190574785065176}}}}