{"metadata":{"transaction_key":"deprecated","request_id":"01a11491-3bf1-79f0-887d-367ded95f763","sha256":"2c754b2d2b92d4d63048d1df4f864c65be631cd9fe8e3f94e2226495c7a45b0f","created":"2026-10-07T04:13:46.745Z","duration":1186.344,"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":3448,"output_tokens":112},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3915,"output_tokens":3923},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3915,"output_tokens":297}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Rubino. It's Tommy here, senior adviser. Thank you for calling back in. That's no worries at all. I had a little bit of time between now and my next appointment on the hour, so I thought why not have a quick chat now if you do have five, ten minutes for me? Perfect. So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell. Yep. So I'll get that through to you just so you have it so you can have some time to read through it. And I'm just gonna send it through to the Gmail if that's still your your main email address. Now up to you. I can kind of run you through the cliff notes of what we're doing and and a few key details if you don't have too much time now, or we can walk through the the document in-depth together. What would you prefer? No worries at all. So if you can have a quick look at the email there, I just wanna kind of pull you to the key points before I have to jet set for a little bit. And there was really a couple of little tweaks that we made from our last discussion that I wanna run by you as well. Now you should see it... I believe it'll go through your main inbox because we've used the system before, the new system. And if you can go into the email Yep. Yeah. So when you hit that, it'll open up. There's about seven documents inside there, but we just wanna scroll through the first one together. K. You should be able to see, like, a beachfront city Gold Coast picture on the front of the the first document there. Oh, yes. There's so many pages on... When you add all the documents together, it can take a minute to load. Yep. Fluctuates every now and then. Yeah. Now just while you're doing that, do you want me to just run through, I guess, the the sort of scope that we were covering? So the main thing was the sort of increase in the life and disability insurance to kind of match the mortgage and just trimming down the income protection because it was a bit over insured if that rings a bell. I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet. And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change. After the last change. Yeah. Yeah. That's a really good one because the power of attorney is if you're... Like, let's say you're in hospital and you can't act on your own behalf, it means someone can, you know, access the bank accounts, talk to the doctors, whereas the will handles the passing of the assets. I know the Australia Post has some... Yeah. Like, you know how sometimes people could spend thousands of dollars on a will at the... With a solicitor? Well, Australia Post has government approved, like, power of attorney kits for, like, $25 a pop. So just to get something in place, it's nice to have those. K. Yeah. So there's three options. You've got solicitors in the area. We do have some lawyers that do kind of accounted online wills that we can send you through a pack for, and there's also the post office will kits, which are pretty basic as well. I think the online ones might be somewhere between maybe 4 600 from memory, just depending on the complexity. Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile? Perfect. And how are you going with the old style link over there? There? Perfect. So if you can keep scrolling down for me, you'll see a scope of advice heading, which was again just focusing on the super and the insurance at this point. Yep. And then if you go past there, you'll see estate planning. And then what we're not covering in this document on the page after, which is cash flow and debt management. Like, we're not giving you advice around, you know, your budget for the mortgage and things like that at this point. That's something that you're handling personally, but we can always help with budget spreadsheets and and helping you get a handle on things that way as well. Now the main thing I wanted to kind of go down to if you can, can you see on the bottom of the pages the page numbers there? Yep. Now the digital system, it also has page numbers at the top right. So what I'm sort of saying is when you're on page five on the document, it'll say you're on page six in the system. I'm not sure if you can see both of those just so you can get a ease of navigating. Ten eleven. And what can you see on those pages? Yes. And then on the 11, you'll see the risk profile being high growth. Perfect. So if you wanna keep scrolling down for me, two more pages, you'll see strategy recommendations. And can you see the bottom half of that page? There's a blue table there showing the Neos, what it is currently versus what we're recommending. Yep. Correct. And then if you go if you go down on that column, you'll see 343000 for the life benefit, 343,000 for the TPD, which is disability, and then income protection underneath that, 6,219 a month worth of cover. Now on the right hand side, if we were to match it to 75 percent of your income, the income protection would drop down to $556.02 per month, and the life and TPD, we were gonna bump up to around $4.85 to cover the mortgage. Now what that does, one trim down, one bump up, it probably costs an extra $300 per year for the extra 150,000 of life and disability insurance. That's what we're looking at figures wise. K. So not too much of a jump there for that bump up to protect the mortgage. There was an alternative I did wanna run by you. So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote. The other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year. The only thing that we we didn't check at the time was what kind of health change have you had since June 2020. Now if there's no health changes at all, then it would be pretty easy to switch to another provider. Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude Yeah. Yeah. So what tends to happen is if we go through with the other providers, are you able to see on there the buttons on the document? There's... I'm hoping that there's, like, a little arrows at the top of that digital system where you can maybe switch switch to the documents. Oh, yep. Actually, what I could do... Do you want me to email through, like, a PDF to the work email? That way, it's a bit easier to view so it's not within the digital system. Perfect. So I'm just going to say statement of advice and appendix. So I just wanna show you the research appendix. Please see attached. Can you let me know what the email address is, please? Alright. And I'm good to go. Yep. Yep. Alright. And so that's n for Nelly, d for delta, dot e d u dot a u? Perfect. And then what I'm gonna do is I'm just gonna attach these two documents there. Just bear with me for one moment. And statement of advice and appendix. I'll swing those on. And I'm hoping, because it's the first time that I've emailed this email address from mine, that it won't take too long to come through. And hopefully, without all those supplementary attachments, it's a little bit faster than when you attach another 2,000 pages along with it of product documents. Alright. So that has sent through now, and it might be in the junk folder or main inbox. Alright. Now has the email come through at all? Or... So is sometimes it's like a ten, fifteen minutes later kinda thing. It's never fun. And I'll just double check. So first name dot last name@ndat.edu.au? Yep. N d dot e d u dot a u. Perfect. Now that's what we wanna look at. It's just the appendix is a bit more like a a mountainous forest range. Can you see that one there? Sorry. If we go down eight pages to the eight page. Yep. You... What you'll see around the bottom half of that is all of the insurer logos. Blue and green and red and purple and... Can you see those there with the different scores and prices? So... Yep. So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom? And if you go all the way across, it has a score of 81. Now what that means is that that's kind of all the small print and the fine print under the hood. You want a really good feature score. You... Essentially, with these insurances, you want more features, more fine print because it means more options, more things to claim on. Now what the alternative is is if you look at the red one AIA and the kind of blue one above that Clearview, they're both pretty well in line with that same feature score in terms of quality, but they're a lot lower price. So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead. Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern. K. So what we'll do is don't sign that document today in the pack. I'm gonna send through an amendment by the end of the week just with the Clearview included in so you can see the difference that that makes to the super with the premiums. And then from there, have a read through, sign if you're comfortable. We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer. And if it gets accepted, we'll cancel the other one. If there's any issues, we can always just switch back to altering Neos as a plan b. How's that sound? Correct. And and that's the thing is if we can keep getting that good performance, that 11%, and if we can trim down the premiums a couple of thousand, that'll compound really well over the next five and ten years. Cool. Awesome. So what I'll do is I'm gonna get my my support team to amend the document. And then as soon as we get that through to you, I'll send you a text message just to look for the email. And then just give us a callback if you've got any questions before you sign it, and then I'll get you booked in for... Like, we can't book you in for the application until we have the quote back signed. That's all. Cool. Any questions at this point? Amazing. So I'll get that through to you. Hopefully, Friday, Monday at the latest, we'll just go through. And once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go. And they come back with any issues, then we'll just pivot back to Neos instead. Amazing. And, again, we won't cancel anything until it's in place just to make sure you're not left out. Amazing, Irina. Look. Thank you so much for calling me back today. Is there any questions you have before I let you go? Amazing. I will leave those two documents in the work email for you, but the one that I sent to your personal one, I'm just gonna cancel that just until I get it amended for you. Amazing. You have a fantastic week, and I shall hopefully talk to you Friday, Monday. No worries at all. Have a lovely day. Thank you. Bye.","confidence":0.99902344,"words":[{"word":"good","start":1.8399999,"end":2.1599998,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4117951989173889},{"word":"afternoon","start":2.1599998,"end":2.56,"confidence":0.9116211,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.46266308426856995},{"word":"rubino","start":2.56,"end":3.04,"confidence":0.5968831,"punctuated_word":"Rubino.","sentiment":"positive","sentiment_score":0.468573659658432},{"word":"it's","start":3.04,"end":3.1999998,"confidence":0.9699707,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3589758574962616},{"word":"tommy","start":3.1999998,"end":3.52,"confidence":0.9838867,"punctuated_word":"Tommy","sentiment":"positive","sentiment_score":0.34032708406448364},{"word":"here","start":3.52,"end":3.76,"confidence":0.98535156,"punctuated_word":"here,","sentiment":"positive","sentiment_score":0.35449254512786865},{"word":"senior","start":3.76,"end":4.0,"confidence":0.9741211,"punctuated_word":"senior","sentiment":"positive","sentiment_score":0.3409481644630432},{"word":"adviser","start":4.0,"end":4.4,"confidence":0.9812012,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":0.3224719762802124},{"word":"thank","start":4.4,"end":4.56,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6832695603370667},{"word":"you","start":4.56,"end":4.72,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6529107093811035},{"word":"for","start":4.72,"end":4.88,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6564677953720093},{"word":"calling","start":4.88,"end":5.12,"confidence":0.99902344,"punctuated_word":"calling","sentiment":"positive","sentiment_score":0.643833339214325},{"word":"back","start":5.12,"end":5.2799997,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.6847382187843323},{"word":"in","start":5.2799997,"end":5.7799997,"confidence":0.99853516,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.6563657522201538},{"word":"that's","start":11.12,"end":11.5199995,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2966652810573578},{"word":"no","start":11.5199995,"end":11.759999,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2907037138938904},{"word":"worries","start":11.759999,"end":12.08,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.2310229688882828},{"word":"at","start":12.08,"end":12.24,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.36110299825668335},{"word":"all","start":12.24,"end":12.4,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.34392523765563965},{"word":"i","start":12.4,"end":12.639999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21276888251304624},{"word":"had","start":12.639999,"end":12.88,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1407831907272339},{"word":"a","start":12.88,"end":12.96,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.164198637008667},{"word":"little","start":12.96,"end":13.2,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15388531982898712},{"word":"bit","start":13.2,"end":13.36,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1416308581829071},{"word":"of","start":13.36,"end":13.44,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10377179086208344},{"word":"time","start":13.44,"end":13.679999,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09331388771533966},{"word":"between","start":13.679999,"end":14.08,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0943397507071495},{"word":"now","start":14.08,"end":14.24,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.09537124633789062},{"word":"and","start":14.24,"end":14.4,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07778657227754593},{"word":"my","start":14.4,"end":14.559999,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11102403700351716},{"word":"next","start":14.559999,"end":14.88,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11664722859859468},{"word":"appointment","start":14.88,"end":15.38,"confidence":1.0,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":0.09199076145887376},{"word":"on","start":15.915,"end":16.155,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11817681789398192},{"word":"the","start":16.155,"end":16.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14075800776481628},{"word":"hour","start":16.315,"end":16.555,"confidence":0.72875977,"punctuated_word":"hour,","sentiment":"neutral","sentiment_score":0.11724250018596648},{"word":"so","start":16.555,"end":16.715,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10028815269470216},{"word":"i","start":16.715,"end":16.875,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1123691201210022},{"word":"thought","start":16.875,"end":17.115,"confidence":0.99902344,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.12686264514923096},{"word":"why","start":17.115,"end":17.355,"confidence":0.54052734,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.14767739176750183},{"word":"not","start":17.355,"end":17.515,"confidence":0.96777344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.14979854226112366},{"word":"have","start":17.515,"end":17.675001,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10852807760238647},{"word":"a","start":17.675001,"end":17.755001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14911121129989624},{"word":"quick","start":17.755001,"end":17.995,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.15856187045574188},{"word":"chat","start":17.995,"end":18.155,"confidence":0.99902344,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.15069060027599335},{"word":"now","start":18.155,"end":18.315,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1553676277399063},{"word":"if","start":18.315,"end":18.475,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1651841402053833},{"word":"you","start":18.475,"end":18.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14395424723625183},{"word":"do","start":18.555,"end":18.715,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12992699444293976},{"word":"have","start":18.715,"end":18.955,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10839785635471344},{"word":"five","start":18.955,"end":19.195,"confidence":0.9741211,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.13107383251190186},{"word":"ten","start":19.195,"end":19.435001,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.16792291402816772},{"word":"minutes","start":19.435001,"end":19.675,"confidence":1.0,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":0.1374633014202118},{"word":"for","start":19.675,"end":19.915,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11152157187461852},{"word":"me","start":19.915,"end":20.415,"confidence":0.83447266,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.09012389183044434},{"word":"perfect","start":22.235,"end":22.635,"confidence":0.9753418,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5999425649642944},{"word":"so","start":22.635,"end":22.955,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.39555156230926514},{"word":"what","start":22.955,"end":23.115,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3992829918861389},{"word":"i'm","start":23.115,"end":23.275,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3917393684387207},{"word":"gonna","start":23.275,"end":23.595001,"confidence":0.97314453,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.37018483877182007},{"word":"do","start":23.595001,"end":23.835,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2842519283294678},{"word":"is","start":23.835,"end":24.235,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28623446822166443},{"word":"we","start":24.235,"end":24.475,"confidence":0.9199219,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2814548909664154},{"word":"were","start":24.475,"end":24.635,"confidence":0.97509766,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.286747545003891},{"word":"just","start":24.635,"end":24.875,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27700275182724},{"word":"sending","start":24.875,"end":25.195,"confidence":0.99609375,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.300764262676239},{"word":"through","start":25.195,"end":25.355,"confidence":0.9428711,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23116734623908997},{"word":"an","start":25.355,"end":25.595001,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.288399338722229},{"word":"updated","start":25.595001,"end":26.095001,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2885191738605499},{"word":"advice","start":26.235,"end":26.735,"confidence":0.97998047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2630379796028137},{"word":"document","start":26.875,"end":27.375,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.28913185000419617},{"word":"just","start":27.89,"end":28.05,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.38504865765571594},{"word":"outlining","start":28.05,"end":28.55,"confidence":1.0,"punctuated_word":"outlining","sentiment":"neutral","sentiment_score":0.31874656677246094},{"word":"the","start":28.69,"end":29.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3021383583545685},{"word":"the","start":29.25,"end":29.33,"confidence":0.609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30708327889442444},{"word":"change","start":29.33,"end":29.73,"confidence":0.8461914,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.28938210010528564},{"word":"we","start":29.73,"end":29.89,"confidence":0.96875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2435392141342163},{"word":"wanted","start":29.89,"end":30.21,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.235755056142807},{"word":"to","start":30.21,"end":30.289999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28414386510849},{"word":"make","start":30.289999,"end":30.529999,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.28255167603492737},{"word":"for","start":30.529999,"end":30.689999,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29056018590927124},{"word":"the","start":30.689999,"end":30.85,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25843295454978943},{"word":"insurances","start":30.85,"end":31.35,"confidence":0.98339844,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.22400617599487305},{"word":"if","start":31.41,"end":31.57,"confidence":0.50341797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2819552421569824},{"word":"that","start":31.57,"end":31.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26083582639694214},{"word":"rings","start":31.73,"end":32.05,"confidence":0.9980469,"punctuated_word":"rings","sentiment":"neutral","sentiment_score":0.1826864331960678},{"word":"a","start":32.05,"end":32.13,"confidence":0.8730469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28943943977355957},{"word":"bell","start":32.13,"end":32.63,"confidence":0.9506836,"punctuated_word":"bell.","sentiment":"neutral","sentiment_score":0.208656907081604},{"word":"yep","start":34.45,"end":34.85,"confidence":0.97265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2233578860759735},{"word":"so","start":34.85,"end":35.09,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2578892707824707},{"word":"i'll","start":35.09,"end":35.25,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.28002703189849854},{"word":"get","start":35.25,"end":35.41,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2731640040874481},{"word":"that","start":35.41,"end":35.57,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2649524211883545},{"word":"through","start":35.57,"end":35.809998,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24755710363388064},{"word":"to","start":35.809998,"end":35.89,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2830553948879242},{"word":"you","start":35.89,"end":36.05,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28868770599365234},{"word":"just","start":36.05,"end":36.29,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3226110637187958},{"word":"so","start":36.29,"end":36.37,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3033636510372162},{"word":"you","start":36.37,"end":36.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28873884677886963},{"word":"have","start":36.53,"end":36.77,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.33573591709136963},{"word":"it","start":36.77,"end":36.93,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3022511899471283},{"word":"so","start":36.93,"end":37.09,"confidence":0.5996094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.304861843585968},{"word":"you","start":37.09,"end":37.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28469210863113403},{"word":"can","start":37.25,"end":37.41,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29207104444503784},{"word":"have","start":37.41,"end":37.57,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28655555844306946},{"word":"some","start":37.57,"end":37.809998,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.27170610427856445},{"word":"time","start":37.809998,"end":37.97,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.3180871903896332},{"word":"to","start":37.97,"end":38.129997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3058251142501831},{"word":"read","start":38.129997,"end":38.29,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2663767635822296},{"word":"through","start":38.29,"end":38.53,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2861475944519043},{"word":"it","start":38.53,"end":39.03,"confidence":0.8684082,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2901184558868408},{"word":"and","start":39.97,"end":40.21,"confidence":0.9199219,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20722366869449615},{"word":"i'm","start":40.21,"end":40.45,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19708096981048584},{"word":"just","start":40.45,"end":40.69,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18332581222057345},{"word":"gonna","start":40.69,"end":40.93,"confidence":0.9838867,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19138836860656736},{"word":"send","start":40.93,"end":41.09,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1382777988910675},{"word":"it","start":41.09,"end":41.25,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1673522591590881},{"word":"through","start":41.25,"end":41.489998,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15575754642486572},{"word":"to","start":41.489998,"end":41.57,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16402682662010193},{"word":"the","start":41.57,"end":41.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18024463951587677},{"word":"gmail","start":41.73,"end":42.05,"confidence":0.9941406,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.16498878598213196},{"word":"if","start":42.05,"end":42.21,"confidence":0.7397461,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.167021244764328},{"word":"that's","start":42.21,"end":42.435,"confidence":0.8352051,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13166901469230652},{"word":"still","start":42.515003,"end":42.835003,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1209213063120842},{"word":"your","start":42.835003,"end":43.115,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10106534510850906},{"word":"your","start":43.115,"end":43.395,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1030704379081726},{"word":"main","start":43.395,"end":43.715,"confidence":0.9921875,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1223650798201561},{"word":"email","start":43.715,"end":44.215,"confidence":0.99121094,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10085251927375792},{"word":"address","start":44.755,"end":45.255,"confidence":0.9819336,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.09980626404285432},{"word":"now","start":55.795002,"end":56.295002,"confidence":0.9716797,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13607802987098694},{"word":"up","start":56.675003,"end":56.97,"confidence":0.9770508,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12945158779621124},{"word":"to","start":56.97,"end":57.210003,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15005405247211456},{"word":"you","start":57.210003,"end":57.530003,"confidence":0.810791,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16795043647289276},{"word":"i","start":57.530003,"end":57.850002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18734826147556305},{"word":"can","start":57.850002,"end":58.170002,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16876019537448883},{"word":"kind","start":58.170002,"end":58.33,"confidence":0.97802734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17698796093463898},{"word":"of","start":58.33,"end":58.49,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1926268935203552},{"word":"run","start":58.49,"end":58.65,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.17117759585380554},{"word":"you","start":58.65,"end":58.81,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18056601285934448},{"word":"through","start":58.81,"end":59.050003,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21589739620685575},{"word":"the","start":59.050003,"end":59.210003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2281573861837387},{"word":"cliff","start":59.210003,"end":59.530003,"confidence":0.75439453,"punctuated_word":"cliff","sentiment":"neutral","sentiment_score":0.17952287197113037},{"word":"notes","start":59.530003,"end":59.77,"confidence":0.984375,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.13615775108337402},{"word":"of","start":59.77,"end":60.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20070864260196689},{"word":"what","start":60.25,"end":60.49,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2243715524673462},{"word":"we're","start":60.49,"end":60.73,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1824660748243332},{"word":"doing","start":60.73,"end":61.050003,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2209373116493225},{"word":"and","start":61.050003,"end":61.29,"confidence":0.9394531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21447181701660156},{"word":"and","start":61.29,"end":61.45,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17720474302768707},{"word":"a","start":61.45,"end":61.61,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1743569374084473},{"word":"few","start":61.61,"end":61.850002,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.13728882372379303},{"word":"key","start":61.850002,"end":62.170002,"confidence":1.0,"punctuated_word":"key","sentiment":"neutral","sentiment_score":0.13141852617263794},{"word":"details","start":62.170002,"end":62.57,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.15891771018505096},{"word":"if","start":62.57,"end":62.81,"confidence":0.8935547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1403613239526749},{"word":"you","start":62.81,"end":62.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12785932421684265},{"word":"don't","start":62.89,"end":63.13,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.08846314996480942},{"word":"have","start":63.13,"end":63.370003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06270010769367218},{"word":"too","start":63.370003,"end":63.530003,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.03366750478744507},{"word":"much","start":63.530003,"end":63.850002,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.058028947561979294},{"word":"time","start":63.850002,"end":64.01,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07785509526729584},{"word":"now","start":64.01,"end":64.51,"confidence":0.91381836,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.0969906449317932},{"word":"or","start":64.57,"end":64.81,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09054435789585114},{"word":"we","start":64.81,"end":64.89,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1371930092573166},{"word":"can","start":64.89,"end":65.130005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12951572239398956},{"word":"walk","start":65.130005,"end":65.37,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.1696944236755371},{"word":"through","start":65.37,"end":65.61,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1152382344007492},{"word":"the","start":65.61,"end":65.93,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12164966762065887},{"word":"the","start":65.93,"end":66.090004,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12397706508636476},{"word":"document","start":66.090004,"end":66.49,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07935555279254913},{"word":"in-depth","start":66.49,"end":66.97,"confidence":0.9996745,"punctuated_word":"in-depth","sentiment":"neutral","sentiment_score":0.13488167524337769},{"word":"together","start":66.97,"end":67.29,"confidence":0.9995117,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.09358033537864684},{"word":"what","start":67.29,"end":67.53,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.02720816247165203},{"word":"would","start":67.53,"end":67.69,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.021736180409789085},{"word":"you","start":67.69,"end":67.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037298377603292465},{"word":"prefer","start":67.85,"end":68.35,"confidence":0.9995117,"punctuated_word":"prefer?","sentiment":"neutral","sentiment_score":0.03820425644516945},{"word":"no","start":83.03,"end":83.270004,"confidence":0.47485352,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.07067682594060898},{"word":"worries","start":83.270004,"end":83.51,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.05874021351337433},{"word":"at","start":83.51,"end":83.67,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0762205645442009},{"word":"all","start":83.67,"end":83.99,"confidence":0.9880371,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.13411259651184082},{"word":"so","start":83.99,"end":84.31,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14483454823493958},{"word":"if","start":84.31,"end":84.47,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17418235540390015},{"word":"you","start":84.47,"end":84.55,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16398859024047852},{"word":"can","start":84.55,"end":84.79,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1848636120557785},{"word":"have","start":84.79,"end":84.950005,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17858165502548218},{"word":"a","start":84.950005,"end":85.03,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17977410554885864},{"word":"quick","start":85.03,"end":85.19,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.16871771216392517},{"word":"look","start":85.19,"end":85.35,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.176722913980484},{"word":"at","start":85.35,"end":85.51,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1883777678012848},{"word":"the","start":85.51,"end":85.590004,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1589101999998093},{"word":"email","start":85.590004,"end":85.83,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1436806619167328},{"word":"there","start":85.83,"end":86.07,"confidence":0.9692383,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.18991199135780337},{"word":"i","start":86.07,"end":86.23,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2143913209438324},{"word":"just","start":86.23,"end":86.47,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22642424702644348},{"word":"wanna","start":86.47,"end":86.71,"confidence":0.8125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.23991021513938904},{"word":"kind","start":86.71,"end":86.87,"confidence":0.8095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22318358719348907},{"word":"of","start":86.87,"end":86.950005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22224614024162292},{"word":"pull","start":86.950005,"end":87.19,"confidence":0.9951172,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.2187782377004623},{"word":"you","start":87.19,"end":87.35,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1888700425624847},{"word":"to","start":87.35,"end":87.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20442929863929749},{"word":"the","start":87.51,"end":87.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18910641968250275},{"word":"key","start":87.67,"end":87.83,"confidence":1.0,"punctuated_word":"key","sentiment":"neutral","sentiment_score":0.1584096997976303},{"word":"points","start":87.83,"end":88.33,"confidence":1.0,"punctuated_word":"points","sentiment":"neutral","sentiment_score":0.18252544105052948},{"word":"before","start":89.270004,"end":89.67,"confidence":0.78808594,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.16694235801696777},{"word":"i","start":89.67,"end":89.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13543462753295898},{"word":"have","start":89.75,"end":89.99,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16427376866340637},{"word":"to","start":89.99,"end":90.15,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1433214545249939},{"word":"jet","start":90.15,"end":90.31,"confidence":0.83251953,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.09587114304304124},{"word":"set","start":90.31,"end":90.55,"confidence":0.9902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.11768898367881776},{"word":"for","start":90.55,"end":90.71,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16990870237350464},{"word":"a","start":90.71,"end":90.79,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.145856112241745},{"word":"little","start":90.79,"end":91.03,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11103636026382446},{"word":"bit","start":91.03,"end":91.53,"confidence":0.9609375,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.14754308760166168},{"word":"and","start":91.67,"end":92.17,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15290836989879608},{"word":"there","start":92.31,"end":92.55,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1694362610578537},{"word":"was","start":92.55,"end":93.05,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1577809453010559},{"word":"really","start":93.35,"end":93.85,"confidence":0.97998047,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.17574132978916168},{"word":"a","start":94.55,"end":94.71,"confidence":0.82714844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1747680306434631},{"word":"couple","start":94.71,"end":95.03,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1784849762916565},{"word":"of","start":95.03,"end":95.11,"confidence":0.9291992,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17489419877529144},{"word":"little","start":95.11,"end":95.43,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1922825574874878},{"word":"tweaks","start":95.43,"end":95.83,"confidence":1.0,"punctuated_word":"tweaks","sentiment":"neutral","sentiment_score":0.17605550587177277},{"word":"that","start":95.83,"end":95.99,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18374936282634735},{"word":"we","start":95.99,"end":96.15,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18689365684986117},{"word":"made","start":96.15,"end":96.47,"confidence":0.89746094,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.19782385230064392},{"word":"from","start":96.47,"end":96.71,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16597063839435575},{"word":"our","start":96.71,"end":96.87,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.17977549135684967},{"word":"last","start":96.87,"end":97.155,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1518876701593399},{"word":"discussion","start":97.315,"end":97.475006,"confidence":0.99902344,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.18811441957950592},{"word":"that","start":97.475006,"end":97.635,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19284500181674957},{"word":"i","start":97.635,"end":97.875,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18387427926063535},{"word":"wanna","start":97.875,"end":98.195,"confidence":0.921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.20772385597229004},{"word":"run","start":98.195,"end":98.354996,"confidence":0.9951172,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1977163702249527},{"word":"by","start":98.354996,"end":98.595,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1907416582107544},{"word":"you","start":98.595,"end":98.835,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23339079320430756},{"word":"as","start":98.835,"end":98.994995,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19533973932266235},{"word":"well","start":98.994995,"end":99.494995,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1389378309249878},{"word":"now","start":101.555,"end":101.795,"confidence":0.9560547,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11921165883541109},{"word":"you","start":101.795,"end":101.955,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10843393951654434},{"word":"should","start":101.955,"end":102.195,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.13620170950889587},{"word":"see","start":102.195,"end":102.674995,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09032544493675232},{"word":"it","start":102.674995,"end":103.075,"confidence":0.7675781,"punctuated_word":"it...","sentiment":"neutral","sentiment_score":0.0572146400809288},{"word":"i","start":103.075,"end":103.235,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07368979603052139},{"word":"believe","start":103.235,"end":103.555,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.07635582983493805},{"word":"it'll","start":103.555,"end":103.795,"confidence":0.9460449,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.09760420024394988},{"word":"go","start":103.795,"end":103.955,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09992244839668274},{"word":"through","start":103.955,"end":104.195,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08341695368289948},{"word":"your","start":104.195,"end":104.354996,"confidence":0.65527344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10232344269752502},{"word":"main","start":104.354996,"end":104.595,"confidence":0.99609375,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.09879834949970244},{"word":"inbox","start":104.595,"end":105.095,"confidence":0.9980469,"punctuated_word":"inbox","sentiment":"neutral","sentiment_score":0.08589917421340942},{"word":"because","start":105.795,"end":106.034996,"confidence":0.79541016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08878833800554276},{"word":"we've","start":106.034996,"end":106.275,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0904170498251915},{"word":"used","start":106.275,"end":106.435,"confidence":0.9980469,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.09107933938503264},{"word":"the","start":106.435,"end":106.595,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10702931880950928},{"word":"system","start":106.595,"end":106.915,"confidence":0.9980469,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.08589284121990204},{"word":"before","start":106.915,"end":107.315,"confidence":0.9633789,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.10583420097827911},{"word":"the","start":107.315,"end":107.475,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10693637281656264},{"word":"new","start":107.475,"end":107.715,"confidence":0.9892578,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.10240788757801056},{"word":"system","start":107.715,"end":108.215,"confidence":0.86743164,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":0.09111668914556505},{"word":"and","start":108.515,"end":109.015,"confidence":0.97998047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07818140834569931},{"word":"if","start":109.235,"end":109.475,"confidence":0.98291016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06849460303783417},{"word":"you","start":109.475,"end":109.555,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0629865825176239},{"word":"can","start":109.555,"end":109.795,"confidence":0.96777344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.044693611562252045},{"word":"go","start":109.795,"end":110.034996,"confidence":0.95947266,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04067177325487137},{"word":"into","start":110.034996,"end":110.4,"confidence":0.74658203,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.043554939329624176},{"word":"the","start":110.48,"end":110.72,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0436793640255928},{"word":"email","start":110.72,"end":111.22,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06055222451686859},{"word":"yep","start":112.24,"end":112.74,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02832550927996635},{"word":"yeah","start":114.96,"end":115.28,"confidence":0.83251953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05327045917510986},{"word":"so","start":115.28,"end":115.520004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.045932941138744354},{"word":"when","start":115.520004,"end":115.76,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04944968223571777},{"word":"you","start":115.76,"end":115.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03983306884765625},{"word":"hit","start":115.92,"end":116.08,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.04885747283697128},{"word":"that","start":116.08,"end":116.32,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06362732499837875},{"word":"it'll","start":116.32,"end":116.56,"confidence":0.9975586,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.05872399732470512},{"word":"open","start":116.56,"end":116.880005,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.05060472339391709},{"word":"up","start":116.880005,"end":116.96,"confidence":0.9692383,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.05694974586367607},{"word":"there's","start":116.96,"end":117.28,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.05406854301691055},{"word":"about","start":117.28,"end":117.520004,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04143847152590752},{"word":"seven","start":117.520004,"end":117.840004,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.032736022025346756},{"word":"documents","start":117.840004,"end":118.32,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.036412909626960754},{"word":"inside","start":118.32,"end":118.72,"confidence":1.0,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.05782824382185936},{"word":"there","start":118.72,"end":119.12,"confidence":0.9555664,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.060085028409957886},{"word":"but","start":119.12,"end":119.36,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.055766671895980835},{"word":"we","start":119.36,"end":119.6,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07649940252304077},{"word":"just","start":119.6,"end":119.76,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06906086206436157},{"word":"wanna","start":119.76,"end":120.08,"confidence":0.9550781,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08894738554954529},{"word":"scroll","start":120.08,"end":120.32,"confidence":0.9970703,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.07307000458240509},{"word":"through","start":120.32,"end":120.64,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08161170780658722},{"word":"the","start":120.64,"end":120.72,"confidence":0.92089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06601253151893616},{"word":"first","start":120.72,"end":120.96,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06856904923915863},{"word":"one","start":120.96,"end":121.200005,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06094269081950188},{"word":"together","start":121.200005,"end":121.700005,"confidence":1.0,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.02895789034664631},{"word":"k","start":123.76,"end":124.155,"confidence":0.69921875,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.08215320110321045},{"word":"you","start":124.235,"end":124.395,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.203999787569046},{"word":"should","start":124.395,"end":124.555,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.29405519366264343},{"word":"be","start":124.555,"end":124.635,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2201181799173355},{"word":"able","start":124.635,"end":124.795,"confidence":0.9921875,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.21044640243053436},{"word":"to","start":124.795,"end":124.875,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23785412311553955},{"word":"see","start":124.875,"end":125.115,"confidence":0.91625977,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.2222591787576675},{"word":"like","start":125.115,"end":125.275,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.21411284804344177},{"word":"a","start":125.275,"end":125.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27555543184280396},{"word":"beachfront","start":125.435,"end":125.935,"confidence":0.93652344,"punctuated_word":"beachfront","sentiment":"neutral","sentiment_score":0.25023335218429565},{"word":"city","start":125.994995,"end":126.494995,"confidence":0.98828125,"punctuated_word":"city","sentiment":"neutral","sentiment_score":0.2696608901023865},{"word":"gold","start":126.955,"end":127.195,"confidence":0.63378906,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.2918348014354706},{"word":"coast","start":127.195,"end":127.515,"confidence":1.0,"punctuated_word":"Coast","sentiment":"neutral","sentiment_score":0.3248289227485657},{"word":"picture","start":127.515,"end":127.835,"confidence":0.99902344,"punctuated_word":"picture","sentiment":"neutral","sentiment_score":0.31468239426612854},{"word":"on","start":127.835,"end":127.994995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2604478597640991},{"word":"the","start":127.994995,"end":128.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22865386307239532},{"word":"front","start":128.075,"end":128.475,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.2392982393503189},{"word":"of","start":128.475,"end":128.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2708454728126526},{"word":"the","start":128.795,"end":129.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20456191897392273},{"word":"the","start":129.355,"end":129.435,"confidence":0.6855469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18960677087306976},{"word":"first","start":129.435,"end":129.675,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.15549135208129883},{"word":"document","start":129.675,"end":130.155,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.16615928709506989},{"word":"there","start":130.155,"end":130.655,"confidence":0.9946289,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20208823680877688},{"word":"oh","start":136.155,"end":136.395,"confidence":0.99609375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0221047792583704},{"word":"yes","start":136.395,"end":136.71,"confidence":0.9980469,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.03712570294737816},{"word":"there's","start":136.79001,"end":136.95001,"confidence":0.9970703,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.0005201598396524787},{"word":"so","start":136.95001,"end":137.11,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.005054648965597153},{"word":"many","start":137.11,"end":137.43001,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.008276514708995819},{"word":"pages","start":137.43001,"end":137.91,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":-0.000990167260169983},{"word":"on","start":137.91,"end":138.31001,"confidence":0.9970703,"punctuated_word":"on...","sentiment":"neutral","sentiment_score":-0.00756595004349947},{"word":"when","start":138.31001,"end":138.55,"confidence":0.9951172,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.022690273821353912},{"word":"you","start":138.55,"end":138.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010952770709991457},{"word":"add","start":138.63,"end":138.87001,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":-0.008914431557059288},{"word":"all","start":138.87001,"end":139.03001,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01007314957678318},{"word":"the","start":139.03001,"end":139.19,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008127488195896149},{"word":"documents","start":139.19,"end":139.67001,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.005537491291761398},{"word":"together","start":139.67001,"end":139.99,"confidence":0.9580078,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.006354035809636116},{"word":"it","start":139.99,"end":140.15001,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.001896139234304428},{"word":"can","start":140.15001,"end":140.31001,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.024956583976745605},{"word":"take","start":140.31001,"end":140.47,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.018865354359149933},{"word":"a","start":140.47,"end":140.55,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002818809822201729},{"word":"minute","start":140.55,"end":140.87001,"confidence":1.0,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":-0.004583317786455154},{"word":"to","start":140.87001,"end":140.95001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0036882013082504272},{"word":"load","start":140.95001,"end":141.45001,"confidence":1.0,"punctuated_word":"load.","sentiment":"neutral","sentiment_score":-0.008647153154015541},{"word":"yep","start":153.315,"end":153.815,"confidence":0.88623047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13336557149887085},{"word":"fluctuates","start":155.475,"end":155.975,"confidence":0.99609375,"punctuated_word":"Fluctuates","sentiment":"neutral","sentiment_score":0.08122977614402771},{"word":"every","start":156.27501,"end":156.515,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.01874447613954544},{"word":"now","start":156.515,"end":156.595,"confidence":0.9560547,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.06095366179943085},{"word":"and","start":156.595,"end":156.755,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02960992604494095},{"word":"then","start":156.755,"end":157.255,"confidence":0.99902344,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.08056330680847168},{"word":"yeah","start":169.73999,"end":170.23999,"confidence":0.7565918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07813642919063568},{"word":"now","start":171.02,"end":171.5,"confidence":0.9716797,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.058947157114744186},{"word":"just","start":171.5,"end":171.81999,"confidence":0.8203125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043185532093048096},{"word":"while","start":171.81999,"end":172.06,"confidence":0.984375,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.032992102205753326},{"word":"you're","start":172.06,"end":172.22,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06021079421043396},{"word":"doing","start":172.22,"end":172.38,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.06115260720252991},{"word":"that","start":172.38,"end":172.62,"confidence":0.9951172,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.032906532287597656},{"word":"do","start":172.62,"end":172.78,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.005799952894449234},{"word":"you","start":172.78,"end":172.86,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029085524380207065},{"word":"want","start":172.86,"end":173.02,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.016698747873306274},{"word":"me","start":173.02,"end":173.1,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.031358033418655396},{"word":"to","start":173.1,"end":173.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021222788840532303},{"word":"just","start":173.18,"end":173.42,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.018450360745191578},{"word":"run","start":173.42,"end":173.66,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.01094818115234375},{"word":"through","start":173.66,"end":173.98,"confidence":0.95874023,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.031519509851932526},{"word":"i","start":173.98,"end":174.06,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05536817759275437},{"word":"guess","start":174.06,"end":174.38,"confidence":0.9794922,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.05662673339247704},{"word":"the","start":174.38,"end":174.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031157955527305603},{"word":"the","start":175.26,"end":175.5,"confidence":0.6557617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035820357501506805},{"word":"sort","start":175.5,"end":175.66,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08288004994392395},{"word":"of","start":175.66,"end":175.9,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06234229356050491},{"word":"scope","start":175.9,"end":176.22,"confidence":0.99902344,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.04665367305278778},{"word":"that","start":176.22,"end":176.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0039033181965351105},{"word":"we","start":176.38,"end":176.54,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00010776519775390624},{"word":"were","start":176.54,"end":176.7,"confidence":0.9790039,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.009250957518815994},{"word":"covering","start":176.7,"end":177.2,"confidence":0.9951172,"punctuated_word":"covering?","sentiment":"neutral","sentiment_score":0.03499840945005417},{"word":"so","start":180.94,"end":181.44,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1346495896577835},{"word":"the","start":181.5,"end":181.73999,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1434391289949417},{"word":"main","start":181.73999,"end":182.06,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.18939067423343656},{"word":"thing","start":182.06,"end":182.38,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.27838134765625},{"word":"was","start":182.38,"end":182.88,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.18190208077430725},{"word":"the","start":184.435,"end":184.935,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22042402625083923},{"word":"sort","start":185.075,"end":185.235,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18093690276145935},{"word":"of","start":185.235,"end":185.555,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24334242939949036},{"word":"increase","start":185.555,"end":185.955,"confidence":0.984375,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.23428630828857425},{"word":"in","start":185.955,"end":186.11499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2739313244819641},{"word":"the","start":186.11499,"end":186.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2682845890522003},{"word":"life","start":186.275,"end":186.515,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.18589216470718384},{"word":"and","start":186.515,"end":186.75499,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17038246989250183},{"word":"disability","start":186.75499,"end":187.25499,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.0796666145324707},{"word":"insurance","start":187.315,"end":187.795,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.13540111482143402},{"word":"to","start":187.795,"end":187.875,"confidence":0.58984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1662636399269104},{"word":"kind","start":187.875,"end":188.11499,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16609245538711548},{"word":"of","start":188.11499,"end":188.19499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23918969929218292},{"word":"match","start":188.19499,"end":188.515,"confidence":0.9941406,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.22120130062103271},{"word":"the","start":188.515,"end":188.75499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2297247499227524},{"word":"mortgage","start":188.75499,"end":189.25499,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.22015878558158877},{"word":"and","start":189.47499,"end":189.795,"confidence":0.86865234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18594008684158325},{"word":"just","start":189.795,"end":190.035,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16767610609531405},{"word":"trimming","start":190.035,"end":190.435,"confidence":1.0,"punctuated_word":"trimming","sentiment":"neutral","sentiment_score":0.13279424607753754},{"word":"down","start":190.435,"end":190.75499,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1830926537513733},{"word":"the","start":190.75499,"end":190.915,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1650766134262085},{"word":"income","start":190.915,"end":191.315,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05219405889511109},{"word":"protection","start":191.315,"end":191.715,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.07434497773647308},{"word":"because","start":191.715,"end":191.955,"confidence":0.8671875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10438460111618042},{"word":"it","start":191.955,"end":192.035,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14360663294792175},{"word":"was","start":192.035,"end":192.19499,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02638019621372223},{"word":"a","start":192.19499,"end":192.275,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10712800174951552},{"word":"bit","start":192.275,"end":192.515,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.010460764169692991},{"word":"over","start":192.515,"end":192.75499,"confidence":0.99316406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10573910176753998},{"word":"insured","start":192.75499,"end":193.155,"confidence":0.75683594,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.01411937177181244},{"word":"if","start":193.155,"end":193.315,"confidence":0.7915039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1606484055519104},{"word":"that","start":193.315,"end":193.39499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19070518016815183},{"word":"rings","start":193.39499,"end":193.715,"confidence":0.99902344,"punctuated_word":"rings","sentiment":"neutral","sentiment_score":0.13019879162311554},{"word":"a","start":193.715,"end":193.795,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15054859220981598},{"word":"bell","start":193.795,"end":194.295,"confidence":0.99902344,"punctuated_word":"bell.","sentiment":"neutral","sentiment_score":0.1420470029115677},{"word":"i","start":198.87001,"end":199.03,"confidence":0.7363281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09860311448574066},{"word":"think","start":199.03,"end":199.19,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.10044994950294496},{"word":"the","start":199.19,"end":199.27,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11200937628746031},{"word":"only","start":199.27,"end":199.59001,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.07822712510824203},{"word":"thing","start":199.59001,"end":199.75,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.10653938353061676},{"word":"that","start":199.75,"end":199.91,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08000266551971436},{"word":"i've","start":199.91,"end":200.07,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08072765171527863},{"word":"added","start":200.07,"end":200.31,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.10709507018327712},{"word":"in","start":200.31,"end":200.47,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09849701821804048},{"word":"there","start":200.47,"end":200.63,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1147826537489891},{"word":"was","start":200.63,"end":200.87001,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07270815223455429},{"word":"there","start":200.87001,"end":200.95001,"confidence":0.9243164,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08339442312717438},{"word":"was","start":200.95001,"end":201.11,"confidence":0.8984375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04309334605932236},{"word":"a","start":201.11,"end":201.19,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06323245167732239},{"word":"couple","start":201.19,"end":201.43001,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04324120283126831},{"word":"reminders","start":201.43001,"end":201.93001,"confidence":0.74902344,"punctuated_word":"reminders","sentiment":"neutral","sentiment_score":0.0556095577776432},{"word":"on","start":202.07,"end":202.39,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04463610053062439},{"word":"the","start":202.39,"end":202.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05266641825437546},{"word":"estate","start":202.63,"end":202.87001,"confidence":0.98828125,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.04314807802438736},{"word":"planning","start":202.87001,"end":203.27,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.08076529204845428},{"word":"side","start":203.27,"end":203.51001,"confidence":0.9941406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.0823269933462143},{"word":"of","start":203.51001,"end":203.59001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10971733182668686},{"word":"things","start":203.59001,"end":204.09001,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07151654362678528},{"word":"just","start":204.79001,"end":205.03,"confidence":0.48486328,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06157425045967102},{"word":"in","start":205.03,"end":205.19,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.036149077117443085},{"word":"case","start":205.19,"end":205.43001,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.06660312414169312},{"word":"if","start":205.43001,"end":205.59001,"confidence":0.9404297,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.012464761734008787},{"word":"you","start":205.59001,"end":205.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0070313140749931335},{"word":"don't","start":205.75,"end":205.99,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.01277688704431057},{"word":"have","start":205.99,"end":206.15001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05147729814052582},{"word":"a","start":206.15001,"end":206.23001,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00013145804405212402},{"word":"will","start":206.23001,"end":206.63,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.007679067552089691},{"word":"in","start":206.63,"end":206.95001,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004506856203079224},{"word":"place","start":206.95001,"end":207.35,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.013062283396720886},{"word":"just","start":207.35,"end":207.59001,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0011010169982910156},{"word":"yet","start":207.59001,"end":208.09001,"confidence":0.6994629,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.00925719365477562},{"word":"and","start":208.47,"end":208.97,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03277472406625748},{"word":"a","start":209.59001,"end":209.75,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02139463648200035},{"word":"little","start":209.75,"end":210.15001,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.023705512285232544},{"word":"bit","start":210.15001,"end":210.31,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01797471195459366},{"word":"of","start":210.31,"end":210.47,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02341761440038681},{"word":"a","start":210.47,"end":210.63,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011085938662290571},{"word":"rebalance","start":210.63,"end":211.11,"confidence":0.99609375,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.01442454755306244},{"word":"i","start":211.11,"end":211.27,"confidence":0.8613281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010091662406921388},{"word":"wanna","start":211.27,"end":211.51001,"confidence":0.8642578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.014558989554643633},{"word":"do","start":211.51001,"end":211.67,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008242562413215637},{"word":"to","start":211.67,"end":211.83,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009086094796657562},{"word":"the","start":211.83,"end":211.99,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005591116845607758},{"word":"super","start":211.99,"end":212.31,"confidence":0.98413086,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.04176289588212967},{"word":"but","start":212.31,"end":212.39,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.017854809761047363},{"word":"we","start":212.39,"end":212.398,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.017405487596988678},{"word":"won't","start":212.398,"end":212.406,"confidence":0.9904785,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.059023886919021606},{"word":"really","start":212.406,"end":212.414,"confidence":0.9951172,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.09416395425796507},{"word":"change","start":212.414,"end":212.422,"confidence":0.93115234,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1612529158592224},{"word":"any","start":212.422,"end":212.43,"confidence":0.9560547,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1314307600259781},{"word":"of","start":212.43,"end":212.438,"confidence":0.92578125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11608687043190002},{"word":"the","start":212.438,"end":212.446,"confidence":0.69873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12727007269859314},{"word":"investments","start":212.446,"end":212.454,"confidence":0.8676758,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.11965642869472504},{"word":"after","start":212.454,"end":212.462,"confidence":0.5761719,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.10405626147985458},{"word":"the","start":212.462,"end":212.47,"confidence":0.78515625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03482349216938019},{"word":"last","start":212.47,"end":212.97,"confidence":0.69677734,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03417453169822693},{"word":"change","start":213.51001,"end":214.01001,"confidence":0.9436035,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.04545048251748085},{"word":"after","start":214.855,"end":215.355,"confidence":0.9863281,"punctuated_word":"After","sentiment":"neutral","sentiment_score":-0.0442880280315876},{"word":"the","start":215.725,"end":215.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04791984707117081},{"word":"last","start":215.975,"end":216.295,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.04263138025999069},{"word":"change","start":216.295,"end":216.795,"confidence":1.0,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.03281638026237488},{"word":"yeah","start":230.12,"end":230.62,"confidence":0.83813477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02342831715941429},{"word":"yeah","start":241.16,"end":241.66,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08433645963668823},{"word":"that's","start":241.925,"end":242.245,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.156264528632164},{"word":"a","start":242.245,"end":242.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20491774380207065},{"word":"really","start":242.325,"end":242.565,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.24745821952819824},{"word":"good","start":242.565,"end":242.80501,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.22261984646320343},{"word":"one","start":242.80501,"end":243.045,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.22104978561401367},{"word":"because","start":243.045,"end":243.445,"confidence":0.7915039,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1798401176929474},{"word":"the","start":243.445,"end":243.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2168591022491455},{"word":"power","start":243.605,"end":243.925,"confidence":0.9970703,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.11955028027296066},{"word":"of","start":243.925,"end":244.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1614263355731964},{"word":"attorney","start":244.005,"end":244.485,"confidence":0.99902344,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.08902997523546219},{"word":"is","start":244.485,"end":244.80501,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15248467028141022},{"word":"if","start":244.80501,"end":244.965,"confidence":0.9375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.113834410905838},{"word":"you're","start":244.965,"end":245.365,"confidence":0.9699707,"punctuated_word":"you're...","sentiment":"neutral","sentiment_score":0.05369153991341591},{"word":"like","start":245.365,"end":245.525,"confidence":0.9916992,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.018706532195210457},{"word":"let's","start":245.525,"end":245.765,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.021878603845834732},{"word":"say","start":245.765,"end":245.925,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.023254074156284332},{"word":"you're","start":245.925,"end":246.16501,"confidence":0.8737793,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01626686006784439},{"word":"in","start":246.16501,"end":246.325,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02074235677719116},{"word":"hospital","start":246.325,"end":246.825,"confidence":0.9453125,"punctuated_word":"hospital","sentiment":"neutral","sentiment_score":-0.01011582463979721},{"word":"and","start":246.965,"end":247.205,"confidence":0.80908203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0002907589077949524},{"word":"you","start":247.205,"end":247.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024556711316108704},{"word":"can't","start":247.445,"end":247.765,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.02617247961461544},{"word":"act","start":247.765,"end":248.005,"confidence":0.99902344,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.026602111756801605},{"word":"on","start":248.005,"end":248.16501,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.020112253725528717},{"word":"your","start":248.16501,"end":248.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.030882440507411957},{"word":"own","start":248.325,"end":248.565,"confidence":0.9980469,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.006176888942718506},{"word":"behalf","start":248.565,"end":249.065,"confidence":0.88549805,"punctuated_word":"behalf,","sentiment":"neutral","sentiment_score":0.04975299909710884},{"word":"it","start":249.285,"end":249.525,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08455842733383179},{"word":"means","start":249.525,"end":249.765,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.0410146489739418},{"word":"someone","start":249.765,"end":250.245,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.0566290020942688},{"word":"can","start":250.245,"end":250.565,"confidence":0.99853516,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.04702715203166008},{"word":"you","start":250.565,"end":250.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025908716022968292},{"word":"know","start":250.725,"end":251.045,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0143931582570076},{"word":"access","start":251.045,"end":251.445,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.03254186362028122},{"word":"the","start":251.445,"end":251.525,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014317028224468231},{"word":"bank","start":251.525,"end":251.845,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.06236398965120315},{"word":"accounts","start":251.845,"end":252.245,"confidence":0.9616699,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.019042938947677612},{"word":"talk","start":252.245,"end":252.485,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.01413535326719284},{"word":"to","start":252.485,"end":252.565,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00750945508480072},{"word":"the","start":252.565,"end":252.725,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01199302077293396},{"word":"doctors","start":252.725,"end":253.225,"confidence":0.9655762,"punctuated_word":"doctors,","sentiment":"neutral","sentiment_score":0.01888512820005417},{"word":"whereas","start":253.445,"end":253.845,"confidence":0.97509766,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.01765371859073639},{"word":"the","start":253.845,"end":253.925,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008234351873397827},{"word":"will","start":253.925,"end":254.245,"confidence":0.98095703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.026262104511260983},{"word":"handles","start":254.245,"end":254.725,"confidence":0.9970703,"punctuated_word":"handles","sentiment":"neutral","sentiment_score":-0.0141281858086586},{"word":"the","start":254.725,"end":254.965,"confidence":0.9472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02487342804670334},{"word":"passing","start":254.965,"end":255.365,"confidence":0.9741211,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":-0.0037897825241088863},{"word":"of","start":255.365,"end":255.445,"confidence":0.9375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004954926669597626},{"word":"the","start":255.445,"end":255.84,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009577296674251556},{"word":"assets","start":258.08,"end":258.58,"confidence":0.9074707,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.0025550685822963715},{"word":"i","start":259.6,"end":259.68,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01944805681705475},{"word":"know","start":259.68,"end":259.91998,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.024915002286434177},{"word":"the","start":259.91998,"end":260.41998,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023112192749977112},{"word":"australia","start":260.56,"end":261.04,"confidence":0.93408203,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.0981943979859352},{"word":"post","start":261.04,"end":261.36,"confidence":0.97509766,"punctuated_word":"Post","sentiment":"neutral","sentiment_score":0.03859103471040726},{"word":"has","start":261.36,"end":261.6,"confidence":0.9375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05532544106245041},{"word":"some","start":261.6,"end":262.1,"confidence":0.9091797,"punctuated_word":"some...","sentiment":"neutral","sentiment_score":0.03471572697162628},{"word":"yeah","start":262.48,"end":262.88,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005784208420664072},{"word":"like","start":262.88,"end":263.36,"confidence":0.9797363,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.00183832086622715},{"word":"you","start":263.36,"end":263.6,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0009520053863525392},{"word":"know","start":263.6,"end":263.76,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0003204029053449631},{"word":"how","start":263.76,"end":263.91998,"confidence":0.7949219,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.002837039530277252},{"word":"sometimes","start":263.91998,"end":264.24,"confidence":0.9902344,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.005977937951683998},{"word":"people","start":264.24,"end":264.47998,"confidence":0.9902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.01361875794827938},{"word":"could","start":264.47998,"end":264.72,"confidence":0.9951172,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0030567310750484467},{"word":"spend","start":264.72,"end":264.96,"confidence":0.9980469,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.011386517435312273},{"word":"thousands","start":264.96,"end":265.36,"confidence":0.99609375,"punctuated_word":"thousands","sentiment":"neutral","sentiment_score":0.007044123485684395},{"word":"of","start":265.36,"end":265.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0018361862748861313},{"word":"dollars","start":265.52,"end":265.84,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.007644630968570709},{"word":"on","start":265.84,"end":266.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009103372693061829},{"word":"a","start":266.0,"end":266.08,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003052344545722008},{"word":"will","start":266.08,"end":266.47998,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.0062833260744810104},{"word":"at","start":266.47998,"end":266.63998,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.010721993632614613},{"word":"the","start":266.63998,"end":267.04,"confidence":0.9921875,"punctuated_word":"the...","sentiment":"neutral","sentiment_score":-0.0030099861323833466},{"word":"with","start":267.04,"end":267.19998,"confidence":1.0,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0055266981944441795},{"word":"a","start":267.19998,"end":267.36,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008226880803704262},{"word":"solicitor","start":267.36,"end":267.86,"confidence":0.81518555,"punctuated_word":"solicitor?","sentiment":"neutral","sentiment_score":0.01830757781863213},{"word":"well","start":269.73502,"end":270.23502,"confidence":0.9421387,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.07436750829219818},{"word":"australia","start":270.61502,"end":271.11502,"confidence":0.9921875,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.11723673343658449},{"word":"post","start":271.17502,"end":271.415,"confidence":0.92578125,"punctuated_word":"Post","sentiment":"neutral","sentiment_score":0.1094139888882637},{"word":"has","start":271.415,"end":271.655,"confidence":0.52001953,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.12793205678462982},{"word":"government","start":271.655,"end":272.055,"confidence":0.9892578,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.15328560769557953},{"word":"approved","start":272.055,"end":272.45502,"confidence":0.9404297,"punctuated_word":"approved,","sentiment":"neutral","sentiment_score":0.11920134723186492},{"word":"like","start":272.45502,"end":272.695,"confidence":0.98339844,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12603364884853363},{"word":"power","start":272.695,"end":272.935,"confidence":0.98828125,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1513199508190155},{"word":"of","start":272.935,"end":273.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08276791870594025},{"word":"attorney","start":273.095,"end":273.495,"confidence":0.9921875,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.04113750159740448},{"word":"kits","start":273.495,"end":273.73502,"confidence":0.99609375,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":0.07378356158733368},{"word":"for","start":273.73502,"end":273.89502,"confidence":0.97631836,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.07281635701656342},{"word":"like","start":273.89502,"end":274.055,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06540568172931671},{"word":"$25","start":274.055,"end":274.855,"confidence":0.9892578,"punctuated_word":"$25","sentiment":"neutral","sentiment_score":0.06220775842666626},{"word":"a","start":274.855,"end":275.015,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06920814514160156},{"word":"pop","start":275.015,"end":275.515,"confidence":0.93774414,"punctuated_word":"pop.","sentiment":"neutral","sentiment_score":0.08631158620119095},{"word":"so","start":275.575,"end":276.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12138330936431883},{"word":"just","start":276.775,"end":277.015,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.33197808265686035},{"word":"to","start":277.015,"end":277.17502,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3894653618335724},{"word":"get","start":277.17502,"end":277.415,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3125898540019989},{"word":"something","start":277.415,"end":277.73502,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2270788848400116},{"word":"in","start":277.73502,"end":277.89502,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28324222564697266},{"word":"place","start":277.89502,"end":278.215,"confidence":0.98583984,"punctuated_word":"place,","sentiment":"positive","sentiment_score":0.3462168574333191},{"word":"it's","start":278.215,"end":278.535,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.579618513584137},{"word":"nice","start":278.535,"end":278.775,"confidence":0.9980469,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.671222448348999},{"word":"to","start":278.775,"end":278.935,"confidence":0.98291016,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.45207980275154114},{"word":"have","start":278.935,"end":279.095,"confidence":0.9902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4810287058353424},{"word":"those","start":279.095,"end":279.595,"confidence":0.7910156,"punctuated_word":"those.","sentiment":"positive","sentiment_score":0.4350962638854981},{"word":"k","start":283.26,"end":283.76,"confidence":0.6867676,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.029684418812394146},{"word":"yeah","start":297.18002,"end":297.42,"confidence":0.7553711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06693786382675171},{"word":"so","start":297.42,"end":297.58002,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06073518842458725},{"word":"there's","start":297.58002,"end":297.90002,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0733477994799614},{"word":"three","start":297.90002,"end":298.14,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.06349508464336395},{"word":"options","start":298.14,"end":298.64,"confidence":0.9995117,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.0689178854227066},{"word":"you've","start":299.105,"end":299.605,"confidence":1.0,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.10852158069610596},{"word":"got","start":300.265,"end":300.765,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.099630206823349},{"word":"solicitors","start":301.42502,"end":301.92502,"confidence":0.94970703,"punctuated_word":"solicitors","sentiment":"neutral","sentiment_score":0.08332358300685883},{"word":"in","start":302.065,"end":302.225,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.101914182305336},{"word":"the","start":302.225,"end":302.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11279121041297913},{"word":"area","start":302.385,"end":302.885,"confidence":0.9980469,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":0.10226090252399445},{"word":"we","start":303.345,"end":303.665,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.14763721823692322},{"word":"do","start":303.665,"end":303.98502,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12895363569259644},{"word":"have","start":303.98502,"end":304.305,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14517520368099213},{"word":"some","start":304.305,"end":304.545,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12277168780565262},{"word":"lawyers","start":304.545,"end":304.945,"confidence":1.0,"punctuated_word":"lawyers","sentiment":"neutral","sentiment_score":0.06918429583311081},{"word":"that","start":304.945,"end":305.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14673461019992828},{"word":"do","start":305.265,"end":305.585,"confidence":0.85546875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12240241467952728},{"word":"kind","start":305.585,"end":305.98502,"confidence":0.49267578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11960427463054656},{"word":"of","start":305.98502,"end":306.145,"confidence":0.87353516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11643686890602112},{"word":"accounted","start":306.145,"end":306.625,"confidence":0.81347656,"punctuated_word":"accounted","sentiment":"neutral","sentiment_score":0.10425914824008942},{"word":"online","start":306.625,"end":307.025,"confidence":0.99609375,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.0917460396885872},{"word":"wills","start":307.025,"end":307.345,"confidence":0.55371094,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.1189468428492546},{"word":"that","start":307.345,"end":307.505,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12921863794326782},{"word":"we","start":307.505,"end":307.585,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11133579164743423},{"word":"can","start":307.585,"end":307.745,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11318621039390564},{"word":"send","start":307.745,"end":307.98502,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10086295008659364},{"word":"you","start":307.98502,"end":308.145,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11527729779481888},{"word":"through","start":308.145,"end":308.385,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10678257793188096},{"word":"a","start":308.385,"end":308.465,"confidence":0.77441406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12560468912124634},{"word":"pack","start":308.465,"end":308.785,"confidence":0.9716797,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.09387796372175217},{"word":"for","start":308.785,"end":309.285,"confidence":0.7302246,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.09799635410308838},{"word":"and","start":309.345,"end":309.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10383648425340652},{"word":"there's","start":309.505,"end":309.825,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10197331756353378},{"word":"also","start":309.825,"end":310.065,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08355135470628738},{"word":"the","start":310.065,"end":310.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0978447198867798},{"word":"post","start":310.225,"end":310.545,"confidence":0.9941406,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.06642041355371475},{"word":"office","start":310.545,"end":310.785,"confidence":1.0,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.06684257090091705},{"word":"will","start":310.785,"end":311.025,"confidence":0.7709961,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09268496930599213},{"word":"kits","start":311.025,"end":311.265,"confidence":0.9042969,"punctuated_word":"kits,","sentiment":"neutral","sentiment_score":0.09815647453069688},{"word":"which","start":311.265,"end":311.505,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13756395876407623},{"word":"are","start":311.505,"end":311.585,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09618449211120604},{"word":"pretty","start":311.585,"end":311.825,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.15455511212348938},{"word":"basic","start":311.825,"end":312.21,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.09617576748132706},{"word":"as","start":314.28998,"end":314.52997,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1217137798666954},{"word":"well","start":314.52997,"end":314.77,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08776351064443588},{"word":"i","start":314.77,"end":315.00998,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.058484964072704315},{"word":"think","start":315.00998,"end":315.33,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.059684112668037415},{"word":"the","start":315.33,"end":315.65,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060505107045173645},{"word":"online","start":315.65,"end":316.05,"confidence":1.0,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.03578107804059982},{"word":"ones","start":316.05,"end":316.37,"confidence":1.0,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.04653468355536461},{"word":"might","start":316.37,"end":316.53,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.041441433131694794},{"word":"be","start":316.53,"end":316.69,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.036954209208488464},{"word":"somewhere","start":316.69,"end":317.00998,"confidence":1.0,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.030743524432182312},{"word":"between","start":317.00998,"end":317.33,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.027047909796237946},{"word":"maybe","start":317.33,"end":317.65,"confidence":0.95410156,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.020017672330141068},{"word":"4","start":317.65,"end":317.88998,"confidence":0.99902344,"punctuated_word":"4","sentiment":"neutral","sentiment_score":0.02174304611980915},{"word":"600","start":317.88998,"end":318.78998,"confidence":0.94645184,"punctuated_word":"600","sentiment":"neutral","sentiment_score":0.026628080755472183},{"word":"from","start":319.25,"end":319.56998,"confidence":0.9741211,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.017979368567466736},{"word":"memory","start":319.56998,"end":320.06998,"confidence":0.77612305,"punctuated_word":"memory,","sentiment":"neutral","sentiment_score":0.009746178984642029},{"word":"just","start":321.49,"end":321.72998,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012491360306739809},{"word":"depending","start":321.72998,"end":322.05,"confidence":0.99902344,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.01708056405186653},{"word":"on","start":322.05,"end":322.21,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.016855891793966293},{"word":"the","start":322.21,"end":322.28998,"confidence":0.66064453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010251179337501526},{"word":"complexity","start":322.28998,"end":322.78998,"confidence":1.0,"punctuated_word":"complexity.","sentiment":"neutral","sentiment_score":-0.008122425526380539},{"word":"would","start":326.565,"end":326.725,"confidence":0.9980469,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.060882095247507095},{"word":"you","start":326.725,"end":326.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05578063800930977},{"word":"like","start":326.805,"end":326.965,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06602005660533905},{"word":"me","start":326.965,"end":327.04498,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05907722935080528},{"word":"to","start":327.04498,"end":327.125,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04970463737845421},{"word":"get","start":327.125,"end":327.285,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.044661443680524826},{"word":"the","start":327.285,"end":327.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054224129766225815},{"word":"team","start":327.365,"end":327.60498,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.04862472414970398},{"word":"to","start":327.60498,"end":327.76498,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09013976156711578},{"word":"sort","start":327.76498,"end":327.925,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06876668334007263},{"word":"of","start":327.925,"end":328.005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08155035972595215},{"word":"send","start":328.005,"end":328.245,"confidence":0.9892578,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06225000694394112},{"word":"through","start":328.245,"end":328.485,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06664028018712997},{"word":"just","start":328.485,"end":328.645,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08007998764514923},{"word":"some","start":328.645,"end":328.965,"confidence":0.98950195,"punctuated_word":"some,","sentiment":"neutral","sentiment_score":0.07527133822441101},{"word":"you","start":328.965,"end":329.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06652256846427917},{"word":"know","start":329.125,"end":329.285,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08524872362613678},{"word":"brochures","start":329.285,"end":329.685,"confidence":0.99658203,"punctuated_word":"brochures","sentiment":"neutral","sentiment_score":0.07220719754695892},{"word":"and","start":329.685,"end":329.845,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07843264192342758},{"word":"links","start":329.845,"end":330.16498,"confidence":0.99902344,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.06232165917754173},{"word":"to","start":330.16498,"end":330.32498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0729251354932785},{"word":"see","start":330.32498,"end":330.485,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07768451422452927},{"word":"if","start":330.485,"end":330.645,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07969136536121368},{"word":"it's","start":330.645,"end":331.125,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09336644411087036},{"word":"worthwhile","start":331.125,"end":331.625,"confidence":0.99853516,"punctuated_word":"worthwhile?","sentiment":"neutral","sentiment_score":0.07696360349655151},{"word":"perfect","start":335.685,"end":336.185,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4417310953140259},{"word":"and","start":336.645,"end":336.88498,"confidence":0.7089844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26045331358909607},{"word":"how","start":336.88498,"end":337.04498,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.20151667296886444},{"word":"are","start":337.04498,"end":337.205,"confidence":0.90527344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19223931431770325},{"word":"you","start":337.205,"end":337.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19242773950099945},{"word":"going","start":337.285,"end":337.525,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2246159166097641},{"word":"with","start":337.525,"end":337.60498,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20103730261325836},{"word":"the","start":337.60498,"end":337.76498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11976420879364014},{"word":"old","start":337.76498,"end":338.005,"confidence":0.99609375,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.07859040796756744},{"word":"style","start":338.005,"end":338.245,"confidence":0.296875,"punctuated_word":"style","sentiment":"neutral","sentiment_score":0.05519802123308182},{"word":"link","start":338.245,"end":338.485,"confidence":0.9941406,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.16205473244190216},{"word":"over","start":338.485,"end":338.72498,"confidence":0.9970703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12269631028175354},{"word":"there","start":338.72498,"end":338.91,"confidence":0.95874023,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.12606064975261688},{"word":"there","start":350.83002,"end":351.23,"confidence":0.9951172,"punctuated_word":"There?","sentiment":"neutral","sentiment_score":0.11218781024217606},{"word":"perfect","start":351.23,"end":351.63,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.30441930890083313},{"word":"so","start":351.63,"end":351.87,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15449917316436768},{"word":"if","start":351.87,"end":351.95,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16436320543289185},{"word":"you","start":351.95,"end":352.11002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1340583562850952},{"word":"can","start":352.11002,"end":352.27,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15979880094528198},{"word":"keep","start":352.27,"end":352.515,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.17234407365322113},{"word":"scrolling","start":352.515,"end":352.755,"confidence":0.98291016,"punctuated_word":"scrolling","sentiment":"neutral","sentiment_score":0.13013070821762085},{"word":"down","start":352.755,"end":352.99503,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17847773432731628},{"word":"for","start":352.99503,"end":353.15503,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1487339735031128},{"word":"me","start":353.15503,"end":353.39502,"confidence":0.99609375,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1795286238193512},{"word":"you'll","start":353.39502,"end":353.635,"confidence":0.8430176,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.16644583642482758},{"word":"see","start":353.635,"end":353.795,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17137935757637024},{"word":"a","start":353.795,"end":353.875,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1515993773937225},{"word":"scope","start":353.875,"end":354.195,"confidence":0.99902344,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.1278981864452362},{"word":"of","start":354.195,"end":354.355,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15288032591342926},{"word":"advice","start":354.355,"end":354.67502,"confidence":0.9970703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09167071431875227},{"word":"heading","start":354.67502,"end":355.075,"confidence":0.9465332,"punctuated_word":"heading,","sentiment":"neutral","sentiment_score":0.11831913888454436},{"word":"which","start":355.075,"end":355.315,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1129615306854248},{"word":"was","start":355.315,"end":355.475,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0929143875837326},{"word":"again","start":355.475,"end":355.975,"confidence":0.5385742,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.12537601590156555},{"word":"just","start":356.11502,"end":356.43503,"confidence":0.8354492,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10539808869361876},{"word":"focusing","start":356.43503,"end":356.915,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.07240406423807144},{"word":"on","start":356.915,"end":356.99503,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14363040030002594},{"word":"the","start":356.99503,"end":357.15503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10701653361320496},{"word":"super","start":357.15503,"end":357.475,"confidence":0.9770508,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15176670253276825},{"word":"and","start":357.475,"end":357.635,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10464274138212204},{"word":"the","start":357.635,"end":357.71503,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08730501681566238},{"word":"insurance","start":357.71503,"end":358.195,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.08789823949337006},{"word":"at","start":358.195,"end":358.27502,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06622946262359619},{"word":"this","start":358.27502,"end":358.595,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1080702468752861},{"word":"point","start":358.595,"end":359.095,"confidence":0.9995117,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.0667240098118782},{"word":"yep","start":364.195,"end":364.515,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08155979961156845},{"word":"and","start":364.515,"end":364.67502,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.057825326919555664},{"word":"then","start":364.67502,"end":364.83502,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06433653831481934},{"word":"if","start":364.83502,"end":364.915,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.058801256120204926},{"word":"you","start":364.915,"end":365.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05825718492269516},{"word":"go","start":365.075,"end":365.315,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04415413364768028},{"word":"past","start":365.315,"end":365.55502,"confidence":0.9589844,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.04157332330942154},{"word":"there","start":365.55502,"end":365.795,"confidence":0.99609375,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04019966721534729},{"word":"you'll","start":365.795,"end":366.035,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.05633806437253952},{"word":"see","start":366.035,"end":366.195,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06161203607916832},{"word":"estate","start":366.195,"end":366.67502,"confidence":0.6748047,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.01866281032562256},{"word":"planning","start":366.67502,"end":367.17502,"confidence":0.75390625,"punctuated_word":"planning.","sentiment":"neutral","sentiment_score":0.04778948426246643},{"word":"and","start":367.23502,"end":367.475,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03687266260385513},{"word":"then","start":367.475,"end":367.71503,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04971609637141228},{"word":"what","start":367.71503,"end":367.95502,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.023257851600646973},{"word":"we're","start":367.95502,"end":368.195,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.021810904145240784},{"word":"not","start":368.195,"end":368.49,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0054077282547950745},{"word":"covering","start":368.56998,"end":368.81,"confidence":1.0,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":-0.017147056758403778},{"word":"in","start":368.81,"end":368.97,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.016289211809635162},{"word":"this","start":368.97,"end":369.13,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0026170313358306885},{"word":"document","start":369.13,"end":369.63,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.017648011445999146},{"word":"on","start":370.25,"end":370.41,"confidence":0.84277344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0024984776973724365},{"word":"the","start":370.41,"end":370.56998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008149147033691406},{"word":"page","start":370.56998,"end":371.05,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.026425570249557495},{"word":"after","start":371.05,"end":371.55,"confidence":0.97753906,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.009446285665035248},{"word":"which","start":371.84998,"end":372.16998,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.011088959872722626},{"word":"is","start":372.16998,"end":372.56998,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01019945740699768},{"word":"cash","start":372.56998,"end":372.81,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.017716147005558014},{"word":"flow","start":372.81,"end":372.97,"confidence":0.94921875,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.0135464146733284},{"word":"and","start":372.97,"end":373.21,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05071203410625458},{"word":"debt","start":373.21,"end":373.37,"confidence":1.0,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.05338706821203232},{"word":"management","start":373.37,"end":373.77,"confidence":0.86157227,"punctuated_word":"management.","sentiment":"neutral","sentiment_score":-0.013258565217256546},{"word":"like","start":373.77,"end":373.93,"confidence":0.9885254,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.02086026221513748},{"word":"we're","start":373.93,"end":374.09,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.024439148604869843},{"word":"not","start":374.09,"end":374.25,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0559973418712616},{"word":"giving","start":374.25,"end":374.49,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.05387108772993088},{"word":"you","start":374.49,"end":374.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007298946380615234},{"word":"advice","start":374.65,"end":375.05,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.0378500297665596},{"word":"around","start":375.05,"end":375.55,"confidence":0.986084,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.008458808064460754},{"word":"you","start":375.69,"end":375.84998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04435364156961441},{"word":"know","start":375.84998,"end":376.00998,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.016469556838274002},{"word":"your","start":376.00998,"end":376.16998,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0018264353275299072},{"word":"budget","start":376.16998,"end":376.49,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.01389271765947342},{"word":"for","start":376.49,"end":376.65,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015836790204048157},{"word":"the","start":376.65,"end":376.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029643885791301727},{"word":"mortgage","start":376.81,"end":377.13,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.011972643435001372},{"word":"and","start":377.13,"end":377.28998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014339029788970947},{"word":"things","start":377.28998,"end":377.44998,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.04215630888938904},{"word":"like","start":377.44998,"end":377.69,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.032156288623809814},{"word":"that","start":377.69,"end":377.84998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02217487245798111},{"word":"at","start":377.84998,"end":378.00998,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009716466069221497},{"word":"this","start":378.00998,"end":378.16998,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.011832155287265778},{"word":"point","start":378.16998,"end":378.66998,"confidence":0.99560547,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.02597452700138092},{"word":"that's","start":379.53,"end":379.77,"confidence":0.9338379,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03998769074678421},{"word":"something","start":379.77,"end":380.09,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05780310183763504},{"word":"that","start":380.09,"end":380.16998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07192235440015793},{"word":"you're","start":380.16998,"end":380.41,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07414673268795013},{"word":"handling","start":380.41,"end":380.91,"confidence":1.0,"punctuated_word":"handling","sentiment":"neutral","sentiment_score":0.12014345824718475},{"word":"personally","start":381.05,"end":381.55,"confidence":0.7976074,"punctuated_word":"personally,","sentiment":"neutral","sentiment_score":0.13625691831111908},{"word":"but","start":381.84998,"end":382.00998,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1453515738248825},{"word":"we","start":382.00998,"end":382.16998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17992261052131653},{"word":"can","start":382.16998,"end":382.33,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21294891834259033},{"word":"always","start":382.33,"end":382.56998,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2813710868358612},{"word":"help","start":382.56998,"end":382.81,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2500182092189789},{"word":"with","start":382.81,"end":383.055,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2802169919013977},{"word":"budget","start":384.255,"end":384.735,"confidence":0.9428711,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.16204702854156494},{"word":"spreadsheets","start":384.735,"end":385.235,"confidence":0.9753418,"punctuated_word":"spreadsheets","sentiment":"neutral","sentiment_score":0.20374193787574768},{"word":"and","start":385.375,"end":385.615,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2915920317173004},{"word":"and","start":385.615,"end":385.775,"confidence":0.85058594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27439025044441223},{"word":"helping","start":385.775,"end":386.01498,"confidence":0.9980469,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.35113096237182617},{"word":"you","start":386.01498,"end":386.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2384038120508194},{"word":"get","start":386.175,"end":386.335,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2590342164039612},{"word":"a","start":386.335,"end":386.41498,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21723368763923645},{"word":"handle","start":386.41498,"end":386.815,"confidence":1.0,"punctuated_word":"handle","sentiment":"neutral","sentiment_score":0.24326613545417783},{"word":"on","start":386.815,"end":386.895,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.28305596113204956},{"word":"things","start":386.895,"end":387.13498,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2289530485868454},{"word":"that","start":387.13498,"end":387.29498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26171839237213135},{"word":"way","start":387.29498,"end":387.535,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.24648816883563995},{"word":"as","start":387.535,"end":387.695,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23462586104869845},{"word":"well","start":387.695,"end":388.195,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.15604925155639648},{"word":"now","start":392.01498,"end":392.335,"confidence":0.99121094,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07043753564357758},{"word":"the","start":392.335,"end":392.41498,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07346129417419434},{"word":"main","start":392.41498,"end":392.655,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.10950685292482376},{"word":"thing","start":392.655,"end":392.815,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12087248265743256},{"word":"i","start":392.815,"end":392.895,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07993187755346298},{"word":"wanted","start":392.895,"end":393.215,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09508904814720154},{"word":"to","start":393.215,"end":393.375,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08030055463314056},{"word":"kind","start":393.375,"end":393.695,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09908466041088104},{"word":"of","start":393.695,"end":394.195,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10169869661331175},{"word":"go","start":394.335,"end":394.57498,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10163812339305878},{"word":"down","start":394.57498,"end":394.815,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10900257527828217},{"word":"to","start":394.815,"end":394.975,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08519433438777924},{"word":"if","start":394.975,"end":395.215,"confidence":0.5439453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07960435748100281},{"word":"you","start":395.215,"end":395.29498,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07268226891756058},{"word":"can","start":395.29498,"end":395.79498,"confidence":0.8996582,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.06949874013662338},{"word":"can","start":395.98,"end":396.14,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05431681126356125},{"word":"you","start":396.14,"end":396.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.052307017147541046},{"word":"see","start":396.22,"end":396.7,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06420733034610748},{"word":"on","start":396.7,"end":396.94,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06283718347549438},{"word":"the","start":396.94,"end":397.02002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.061643682420253754},{"word":"bottom","start":397.02002,"end":397.26,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.0871996060013771},{"word":"of","start":397.26,"end":397.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06852103769779205},{"word":"the","start":397.42,"end":397.5,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05309323966503143},{"word":"pages","start":397.5,"end":397.9,"confidence":0.87597656,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.05738702788949013},{"word":"the","start":397.9,"end":398.14,"confidence":0.6879883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03599817678332329},{"word":"page","start":398.14,"end":398.38,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.03746837377548218},{"word":"numbers","start":398.38,"end":398.78,"confidence":0.9614258,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.03349026292562485},{"word":"there","start":398.78,"end":399.28,"confidence":0.98706055,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.02028983272612095},{"word":"yep","start":403.74002,"end":404.24002,"confidence":0.97436523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0583900511264801},{"word":"now","start":404.30002,"end":404.7,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03616771847009659},{"word":"the","start":404.7,"end":404.94,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04059705138206482},{"word":"digital","start":404.94,"end":405.34,"confidence":0.9980469,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.03866159915924072},{"word":"system","start":405.34,"end":405.84,"confidence":0.97680664,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.04946110770106315},{"word":"it","start":405.9,"end":406.22,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04617326706647873},{"word":"also","start":406.22,"end":406.62,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.044214777648448944},{"word":"has","start":406.62,"end":406.94,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.04234052821993828},{"word":"page","start":406.94,"end":407.26,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.030940765514969822},{"word":"numbers","start":407.26,"end":407.74002,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.029804831370711327},{"word":"at","start":407.74002,"end":407.82,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03600826859474182},{"word":"the","start":407.82,"end":407.98,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04422074183821678},{"word":"top","start":407.98,"end":408.30002,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.04741963744163513},{"word":"right","start":408.30002,"end":408.705,"confidence":0.97509766,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.05814169347286224},{"word":"so","start":408.94498,"end":409.185,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03075589239597321},{"word":"what","start":409.185,"end":409.345,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03265702724456787},{"word":"i'm","start":409.345,"end":409.50497,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03662760928273201},{"word":"sort","start":409.50497,"end":409.66498,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.042832061648368835},{"word":"of","start":409.66498,"end":409.745,"confidence":0.90478516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04072198271751404},{"word":"saying","start":409.745,"end":409.985,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.02535723522305489},{"word":"is","start":409.985,"end":410.22498,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02176651358604431},{"word":"when","start":410.22498,"end":410.38498,"confidence":0.9741211,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02426347509026527},{"word":"you're","start":410.38498,"end":410.54498,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01667862758040428},{"word":"on","start":410.54498,"end":410.78497,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.011684020981192589},{"word":"page","start":410.78497,"end":411.185,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.012743541970849035},{"word":"five","start":411.185,"end":411.585,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.03973690792918205},{"word":"on","start":411.585,"end":411.82498,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.024723395705223083},{"word":"the","start":411.82498,"end":411.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035527221858501434},{"word":"document","start":411.985,"end":412.485,"confidence":0.9995117,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.036957137286663055},{"word":"it'll","start":412.54498,"end":412.865,"confidence":0.9926758,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.01982324570417404},{"word":"say","start":412.865,"end":413.10498,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03006696328520775},{"word":"you're","start":413.10498,"end":413.26498,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01552319061011076},{"word":"on","start":413.26498,"end":413.425,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0044706277549266815},{"word":"page","start":413.425,"end":413.745,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0095367431640625},{"word":"six","start":413.745,"end":413.985,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.021156206727027893},{"word":"in","start":413.985,"end":414.145,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011377990245819092},{"word":"the","start":414.145,"end":414.305,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041811149567365646},{"word":"system","start":414.305,"end":414.625,"confidence":1.0,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":0.025810569524765015},{"word":"i'm","start":414.625,"end":414.78497,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07443711161613464},{"word":"not","start":414.78497,"end":414.94498,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06572291254997253},{"word":"sure","start":414.94498,"end":415.10498,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.09078973531723022},{"word":"if","start":415.10498,"end":415.26498,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.039480146020650864},{"word":"you","start":415.26498,"end":415.345,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05083755403757095},{"word":"can","start":415.345,"end":415.585,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03330756723880768},{"word":"see","start":415.585,"end":416.085,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.09060509502887726},{"word":"both","start":416.145,"end":416.38498,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.06730692088603973},{"word":"of","start":416.38498,"end":416.465,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013846434652805328},{"word":"those","start":416.465,"end":416.705,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.022412747144699097},{"word":"just","start":416.705,"end":416.94498,"confidence":0.8720703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.025322280824184418},{"word":"so","start":416.94498,"end":417.10498,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01242276281118393},{"word":"you","start":417.10498,"end":417.26498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037355758249759674},{"word":"can","start":417.26498,"end":417.745,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.00800592452287674},{"word":"get","start":417.745,"end":417.905,"confidence":0.39941406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.024251267313957214},{"word":"a","start":417.905,"end":417.985,"confidence":0.4609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005865652114152908},{"word":"ease","start":417.985,"end":418.305,"confidence":0.98535156,"punctuated_word":"ease","sentiment":"neutral","sentiment_score":0.01867774873971939},{"word":"of","start":418.305,"end":418.465,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017063919454813004},{"word":"navigating","start":418.465,"end":418.965,"confidence":0.6859131,"punctuated_word":"navigating.","sentiment":"neutral","sentiment_score":0.035818178206682205},{"word":"ten","start":422.705,"end":423.025,"confidence":0.99609375,"punctuated_word":"Ten","sentiment":"neutral","sentiment_score":0.015431098639965056},{"word":"eleven","start":423.025,"end":423.525,"confidence":0.73095703,"punctuated_word":"eleven.","sentiment":"neutral","sentiment_score":0.010455560870468616},{"word":"and","start":423.72,"end":423.96,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.005985257215797901},{"word":"what","start":423.96,"end":424.12,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0024032238870859146},{"word":"can","start":424.12,"end":424.24,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.00889800675213337},{"word":"you","start":424.24,"end":424.36002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007767497561872005},{"word":"see","start":424.36002,"end":424.6,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.009245725348591805},{"word":"on","start":424.6,"end":424.84,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.003197074867784977},{"word":"those","start":424.84,"end":425.08,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0066632600501179695},{"word":"pages","start":425.08,"end":425.58,"confidence":1.0,"punctuated_word":"pages?","sentiment":"neutral","sentiment_score":0.004947938956320286},{"word":"yes","start":436.12,"end":436.36,"confidence":0.9951172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07545728981494904},{"word":"and","start":436.36,"end":436.52,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.055577352643013},{"word":"then","start":436.52,"end":436.76,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07213267683982849},{"word":"on","start":436.76,"end":436.92,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.056559376418590546},{"word":"the","start":436.92,"end":437.16,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06773839890956879},{"word":"11","start":437.16,"end":437.56,"confidence":0.9980469,"punctuated_word":"11,","sentiment":"neutral","sentiment_score":0.05960119515657425},{"word":"you'll","start":437.56,"end":437.72,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.0646967887878418},{"word":"see","start":437.72,"end":437.88,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06961580365896225},{"word":"the","start":437.88,"end":437.96,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03636786341667175},{"word":"risk","start":437.96,"end":438.255,"confidence":0.9902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.01564541459083557},{"word":"profile","start":438.415,"end":438.915,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.009130194783210754},{"word":"being","start":439.215,"end":439.535,"confidence":0.8701172,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.002406857907772064},{"word":"high","start":439.535,"end":439.855,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.005629412829875946},{"word":"growth","start":439.855,"end":440.355,"confidence":0.9980469,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.02026146650314331},{"word":"perfect","start":442.415,"end":442.815,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6881415843963623},{"word":"so","start":442.815,"end":442.975,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3565571904182434},{"word":"if","start":442.975,"end":443.055,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3721134662628174},{"word":"you","start":443.055,"end":443.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31125733256340027},{"word":"wanna","start":443.215,"end":443.45502,"confidence":0.9301758,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.29596132040023804},{"word":"keep","start":443.45502,"end":443.695,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.19242654740810392},{"word":"scrolling","start":443.695,"end":444.095,"confidence":1.0,"punctuated_word":"scrolling","sentiment":"neutral","sentiment_score":0.25061869621276855},{"word":"down","start":444.095,"end":444.335,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3441579341888428},{"word":"for","start":444.335,"end":444.495,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2944289445877075},{"word":"me","start":444.495,"end":444.995,"confidence":0.9838867,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.34892594814300537},{"word":"two","start":445.055,"end":445.295,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.26587000489234924},{"word":"more","start":445.295,"end":445.535,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2122953087091446},{"word":"pages","start":445.535,"end":445.935,"confidence":0.8725586,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":0.2609361708164215},{"word":"you'll","start":445.935,"end":446.17502,"confidence":1.0,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.36194294691085815},{"word":"see","start":446.17502,"end":446.495,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4015422761440277},{"word":"strategy","start":446.495,"end":446.975,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.14368116855621338},{"word":"recommendations","start":446.975,"end":447.475,"confidence":0.99658203,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.16213205456733704},{"word":"and","start":450.17502,"end":450.415,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.026141155511140823},{"word":"can","start":450.415,"end":450.655,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02458597347140312},{"word":"you","start":450.655,"end":450.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029664741829037663},{"word":"see","start":450.815,"end":451.295,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.033025190234184265},{"word":"the","start":451.295,"end":451.45502,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0266351867467165},{"word":"bottom","start":451.45502,"end":451.855,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.029025420546531677},{"word":"half","start":451.855,"end":452.095,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.045774899423122406},{"word":"of","start":452.095,"end":452.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023417923599481583},{"word":"that","start":452.255,"end":452.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02886655367910862},{"word":"page","start":452.495,"end":452.73502,"confidence":0.6738281,"punctuated_word":"page?","sentiment":"neutral","sentiment_score":0.025133445858955383},{"word":"there's","start":452.73502,"end":452.975,"confidence":0.9980469,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.030632352456450462},{"word":"a","start":452.975,"end":453.055,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.041031885892152786},{"word":"blue","start":453.055,"end":453.375,"confidence":1.0,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.04710976034402847},{"word":"table","start":453.375,"end":453.695,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.03383580967783928},{"word":"there","start":453.695,"end":454.195,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.039226096123456955},{"word":"showing","start":454.47,"end":454.71002,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.02523212507367134},{"word":"the","start":454.71002,"end":454.95,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026801738888025284},{"word":"neos","start":454.95,"end":455.45,"confidence":0.74527997,"punctuated_word":"Neos,","sentiment":"neutral","sentiment_score":0.023388011381030083},{"word":"what","start":455.67,"end":455.91,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03479587286710739},{"word":"it","start":455.91,"end":456.07,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01923508197069168},{"word":"is","start":456.07,"end":456.39,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03553401306271553},{"word":"currently","start":456.39,"end":456.89,"confidence":0.99316406,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.10986796766519548},{"word":"versus","start":456.95,"end":457.35,"confidence":0.7573242,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":-0.008075758814811707},{"word":"what","start":457.35,"end":457.51,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05869964510202408},{"word":"we're","start":457.51,"end":457.75,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.006877295672893524},{"word":"recommending","start":457.75,"end":458.25,"confidence":0.8510742,"punctuated_word":"recommending.","sentiment":"neutral","sentiment_score":-0.003904633224010467},{"word":"yep","start":467.83002,"end":468.045,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09462394565343855},{"word":"correct","start":477.325,"end":477.725,"confidence":0.98583984,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.10419626533985138},{"word":"and","start":477.725,"end":477.96503,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03223833441734314},{"word":"then","start":477.96503,"end":478.20502,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.031976185739040375},{"word":"if","start":478.20502,"end":478.36502,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02408231608569622},{"word":"you","start":478.36502,"end":478.52502,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02222619205713272},{"word":"go","start":478.52502,"end":479.02502,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.018260525539517403},{"word":"if","start":479.64502,"end":479.885,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.025237146764993668},{"word":"you","start":479.885,"end":479.96503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04311785101890564},{"word":"go","start":479.96503,"end":480.36502,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03923405706882477},{"word":"down","start":480.36502,"end":480.86502,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04641684144735336},{"word":"on","start":481.325,"end":481.48502,"confidence":0.98291016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.044799886643886566},{"word":"that","start":481.48502,"end":481.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04846356064081192},{"word":"column","start":481.84998,"end":482.16998,"confidence":0.99902344,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":0.03425239771604538},{"word":"you'll","start":482.16998,"end":482.25,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.055349454283714294},{"word":"see","start":482.25,"end":482.72998,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.060371629893779755},{"word":"343000","start":482.72998,"end":484.41,"confidence":0.9983724,"punctuated_word":"343000","sentiment":"neutral","sentiment_score":0.05412673205137253},{"word":"for","start":484.41,"end":484.56998,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04240549355745315},{"word":"the","start":484.56998,"end":484.72998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03817073628306389},{"word":"life","start":484.72998,"end":485.05,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04716633260250091},{"word":"benefit","start":485.05,"end":485.55,"confidence":0.9711914,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.0671185702085495},{"word":"343,000","start":485.93,"end":487.53,"confidence":0.9977214,"punctuated_word":"343,000","sentiment":"neutral","sentiment_score":0.06425158679485321},{"word":"for","start":487.53,"end":487.77,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.048045843839645386},{"word":"the","start":487.77,"end":487.84998,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034043312072753906},{"word":"tpd","start":487.84998,"end":488.33,"confidence":0.59350586,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.039421796798706055},{"word":"which","start":488.33,"end":488.56998,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.062360186129808426},{"word":"is","start":488.56998,"end":488.72998,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03909192979335785},{"word":"disability","start":488.72998,"end":489.22998,"confidence":0.94140625,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":0.011887077242136002},{"word":"and","start":489.69,"end":489.84998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.021931134164333344},{"word":"then","start":489.84998,"end":490.16998,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04198233410716057},{"word":"income","start":490.16998,"end":490.56998,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.01872652769088745},{"word":"protection","start":490.56998,"end":491.06998,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.004950925707817078},{"word":"underneath","start":491.12997,"end":491.62997,"confidence":0.9614258,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":-0.010572806000709534},{"word":"that","start":491.69,"end":492.19,"confidence":0.88134766,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.009616781026124954},{"word":"6,219","start":492.56998,"end":494.25,"confidence":0.946696,"punctuated_word":"6,219","sentiment":"neutral","sentiment_score":0.023656293749809265},{"word":"a","start":494.25,"end":494.33,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01605277508497238},{"word":"month","start":494.33,"end":494.56998,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.03820301592350006},{"word":"worth","start":494.56998,"end":494.88998,"confidence":0.984375,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.005443863570690155},{"word":"of","start":494.88998,"end":495.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011080026626586914},{"word":"cover","start":495.05,"end":495.55,"confidence":1.0,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.010241381824016573},{"word":"now","start":497.985,"end":498.225,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.023492678999900814},{"word":"on","start":498.225,"end":498.465,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.029718495905399323},{"word":"the","start":498.465,"end":498.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029425520449876785},{"word":"right","start":498.625,"end":498.865,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.008971452713012695},{"word":"hand","start":498.865,"end":499.185,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":-0.02761390060186386},{"word":"side","start":499.185,"end":499.685,"confidence":0.99853516,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":-0.024573011323809624},{"word":"if","start":499.82498,"end":500.065,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.025020631030201912},{"word":"we","start":500.065,"end":500.225,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.013843797147274016},{"word":"were","start":500.225,"end":500.465,"confidence":0.8774414,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.01202160120010376},{"word":"to","start":500.465,"end":500.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007794953882694244},{"word":"match","start":500.625,"end":500.865,"confidence":1.0,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.008524686098098755},{"word":"it","start":500.865,"end":501.10498,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01481175422668457},{"word":"to","start":501.10498,"end":501.60498,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018249712884426117},{"word":"75","start":501.665,"end":502.385,"confidence":1.0,"punctuated_word":"75","sentiment":"neutral","sentiment_score":-0.00833950936794281},{"word":"percent","start":502.385,"end":502.705,"confidence":1.0,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.014132529497146606},{"word":"of","start":502.705,"end":502.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.020722217857837677},{"word":"your","start":502.865,"end":503.025,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0438370406627655},{"word":"income","start":503.025,"end":503.525,"confidence":0.9980469,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.06727748364210129},{"word":"the","start":503.985,"end":504.485,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10877211391925812},{"word":"income","start":504.625,"end":505.10498,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.23256680369377136},{"word":"protection","start":505.10498,"end":505.60498,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.16794760525226593},{"word":"would","start":505.745,"end":505.905,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.14805077016353607},{"word":"drop","start":505.905,"end":506.145,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.11477283388376236},{"word":"down","start":506.145,"end":506.385,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.08442971110343933},{"word":"to","start":506.385,"end":506.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09511108696460724},{"word":"$556.02","start":506.625,"end":507.985,"confidence":0.99853516,"punctuated_word":"$556.02","sentiment":"neutral","sentiment_score":-0.05116906762123108},{"word":"per","start":507.985,"end":508.145,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.09971516579389572},{"word":"month","start":508.145,"end":508.645,"confidence":0.7895508,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.04619293659925461},{"word":"and","start":509.025,"end":509.525,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05014157295227051},{"word":"the","start":509.585,"end":510.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05503658950328827},{"word":"life","start":510.385,"end":510.625,"confidence":0.98095703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.0002883896231651306},{"word":"and","start":510.625,"end":510.785,"confidence":0.90478516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010398894548416138},{"word":"tpd","start":510.785,"end":511.285,"confidence":0.8229167,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.03630257397890091},{"word":"we","start":511.505,"end":511.665,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06001506745815277},{"word":"were","start":511.665,"end":511.82498,"confidence":0.94970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1011831909418106},{"word":"gonna","start":511.82498,"end":512.145,"confidence":0.9482422,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.050266169011592865},{"word":"bump","start":512.145,"end":512.385,"confidence":1.0,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":-0.031234391033649445},{"word":"up","start":512.385,"end":512.545,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.010304279625415802},{"word":"to","start":512.545,"end":512.705,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.030858658254146576},{"word":"around","start":512.705,"end":513.12,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.015867814421653748},{"word":"$4.85","start":513.2,"end":514.82,"confidence":0.9995117,"punctuated_word":"$4.85","sentiment":"neutral","sentiment_score":-0.02471862360835075},{"word":"to","start":515.52,"end":515.68,"confidence":0.8364258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07326065003871918},{"word":"cover","start":515.68,"end":515.92,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.052482932806015015},{"word":"the","start":515.92,"end":516.08,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08062189817428589},{"word":"mortgage","start":516.08,"end":516.58,"confidence":1.0,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.09798981249332428},{"word":"now","start":519.52,"end":520.02,"confidence":0.99121094,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.1571558266878128},{"word":"what","start":520.16,"end":520.4,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20264095067977905},{"word":"that","start":520.4,"end":520.64,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15495124459266665},{"word":"does","start":520.64,"end":521.14,"confidence":0.97387695,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":-0.1432226300239563},{"word":"one","start":521.36,"end":521.68,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.17448747158050537},{"word":"trim","start":521.68,"end":522.0,"confidence":0.9707031,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":-0.15480177104473114},{"word":"down","start":522.0,"end":522.32,"confidence":0.93530273,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.13364052772521973},{"word":"one","start":522.32,"end":522.64,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1823238879442215},{"word":"bump","start":522.64,"end":522.88,"confidence":0.9970703,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":-0.13064372539520264},{"word":"up","start":522.88,"end":523.36,"confidence":0.9729004,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.16919958591461182},{"word":"it","start":523.36,"end":523.68,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.26032909750938416},{"word":"probably","start":523.68,"end":524.18,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2980448603630066},{"word":"costs","start":524.24,"end":524.56,"confidence":0.9536133,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.20033550262451172},{"word":"an","start":524.56,"end":524.72,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.218255877494812},{"word":"extra","start":524.72,"end":525.04,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.24510936439037323},{"word":"$300","start":525.04,"end":526.0,"confidence":0.9963379,"punctuated_word":"$300","sentiment":"neutral","sentiment_score":-0.1791885942220688},{"word":"per","start":526.0,"end":526.16,"confidence":0.98828125,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.23626936972141263},{"word":"year","start":526.16,"end":526.66,"confidence":0.9863281,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.2248300015926361},{"word":"for","start":526.96,"end":527.2,"confidence":0.9301758,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2305087447166443},{"word":"the","start":527.2,"end":527.36,"confidence":0.87890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1981295347213745},{"word":"extra","start":527.36,"end":527.595,"confidence":0.52978516,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.1594681441783905},{"word":"150,000","start":527.995,"end":529.295,"confidence":0.98742676,"punctuated_word":"150,000","sentiment":"neutral","sentiment_score":-0.1194884479045868},{"word":"of","start":529.51495,"end":529.83496,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17092368006706238},{"word":"life","start":529.83496,"end":530.07495,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.10425639897584917},{"word":"and","start":530.07495,"end":530.31494,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.177114799618721},{"word":"disability","start":530.31494,"end":530.81494,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.08741580694913864},{"word":"insurance","start":530.95496,"end":531.45496,"confidence":0.9980469,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.17090672254562378},{"word":"that's","start":531.51495,"end":531.75494,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.12305404245853424},{"word":"what","start":531.75494,"end":531.995,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14381472766399384},{"word":"we're","start":531.995,"end":532.07495,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0880449041724205},{"word":"looking","start":532.07495,"end":532.39496,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.09961444139480592},{"word":"at","start":532.39496,"end":532.71497,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15407955646514893},{"word":"figures","start":532.71497,"end":533.035,"confidence":0.93847656,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.13425137102603912},{"word":"wise","start":533.035,"end":533.535,"confidence":0.99658203,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":-0.11162632703781128},{"word":"k","start":535.675,"end":535.995,"confidence":0.9099121,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.01648668572306633},{"word":"so","start":535.995,"end":536.235,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01262371987104416},{"word":"not","start":536.235,"end":536.475,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.018481627106666565},{"word":"too","start":536.475,"end":536.63495,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.10598549991846085},{"word":"much","start":536.63495,"end":536.875,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08811309188604355},{"word":"of","start":536.875,"end":536.95496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10195460915565492},{"word":"a","start":536.95496,"end":537.115,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15819910168647766},{"word":"jump","start":537.115,"end":537.355,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":-0.15104901790618896},{"word":"there","start":537.355,"end":537.595,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1913369596004486},{"word":"for","start":537.595,"end":537.83496,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15429280698299408},{"word":"that","start":537.83496,"end":538.07495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07278409600257874},{"word":"bump","start":538.07495,"end":538.31494,"confidence":1.0,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":-0.0714605376124382},{"word":"up","start":538.31494,"end":538.475,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08103470504283905},{"word":"to","start":538.475,"end":538.71497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1209845095872879},{"word":"protect","start":538.71497,"end":539.035,"confidence":1.0,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":-0.10255100578069688},{"word":"the","start":539.035,"end":539.19495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05497986078262329},{"word":"mortgage","start":539.19495,"end":539.69495,"confidence":0.99902344,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.08741484582424164},{"word":"there","start":540.32,"end":540.48,"confidence":0.96777344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.04621092975139618},{"word":"was","start":540.48,"end":540.72003,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.007739000022411347},{"word":"an","start":540.72003,"end":540.96,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.009155414998531342},{"word":"alternative","start":540.96,"end":541.46,"confidence":1.0,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.05620680004358291},{"word":"i","start":541.52,"end":541.60004,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05052517354488373},{"word":"did","start":541.60004,"end":541.84,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0889984667301178},{"word":"wanna","start":541.84,"end":542.08,"confidence":0.78222656,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0649636834859848},{"word":"run","start":542.08,"end":542.32,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.055710792541503906},{"word":"by","start":542.32,"end":542.48,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.06082724034786224},{"word":"you","start":542.48,"end":542.98,"confidence":0.9797363,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06416963785886765},{"word":"so","start":543.60004,"end":543.84,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02758042514324188},{"word":"this","start":543.84,"end":544.0,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.012673541903495789},{"word":"is","start":544.0,"end":544.16003,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01212211698293686},{"word":"an","start":544.16003,"end":544.4,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0058730244636535645},{"word":"alteration","start":544.4,"end":544.9,"confidence":1.0,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":0.028520822525024418},{"word":"with","start":545.04004,"end":545.28,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07202425599098206},{"word":"neos","start":545.28,"end":545.78,"confidence":0.74975586,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.0575900562107563},{"word":"where","start":546.08,"end":546.32,"confidence":0.7836914,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.025991134345531464},{"word":"we","start":546.32,"end":546.56,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.058430351316928864},{"word":"would","start":546.56,"end":546.72003,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05559401214122772},{"word":"just","start":546.72003,"end":546.96,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0698508769273758},{"word":"go","start":546.96,"end":547.28,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08087066560983658},{"word":"through","start":547.28,"end":547.78,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05068524926900864},{"word":"a","start":548.8,"end":548.88,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026560939848423004},{"word":"couple","start":548.88,"end":549.12,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.013594895601272585},{"word":"of","start":549.12,"end":549.28,"confidence":0.84765625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03134913742542267},{"word":"sort","start":549.28,"end":549.60004,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.014014601707458496},{"word":"of","start":549.60004,"end":549.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024038828909397125},{"word":"updated","start":549.84,"end":550.32,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.010193243622779846},{"word":"health","start":550.32,"end":550.56,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.02829504013061523},{"word":"questions","start":550.56,"end":551.04004,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.01536761224269867},{"word":"since","start":551.04004,"end":551.28,"confidence":0.99316406,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.02078208327293396},{"word":"the","start":551.28,"end":551.44,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010092660784721376},{"word":"policy","start":551.44,"end":551.84,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.05989937484264374},{"word":"was","start":551.84,"end":552.0,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.026767536997795105},{"word":"put","start":552.0,"end":552.24,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03459733724594116},{"word":"in","start":552.24,"end":552.4,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021420568227767944},{"word":"force","start":552.4,"end":552.8,"confidence":0.9604492,"punctuated_word":"force","sentiment":"neutral","sentiment_score":0.000922858715057373},{"word":"to","start":552.8,"end":553.12,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032547615468502045},{"word":"to","start":553.12,"end":553.36,"confidence":0.95703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01575300097465515},{"word":"apply","start":553.36,"end":553.68,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.041798874735832214},{"word":"that","start":553.68,"end":554.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048835135996341705},{"word":"quote","start":554.0,"end":554.5,"confidence":0.9995117,"punctuated_word":"quote.","sentiment":"neutral","sentiment_score":-0.019356995820999146},{"word":"the","start":556.165,"end":556.405,"confidence":0.96875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.136916846036911},{"word":"other","start":556.405,"end":556.565,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.12224288284778596},{"word":"thing","start":556.565,"end":556.885,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1869787573814392},{"word":"that","start":556.885,"end":557.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20238494873046875},{"word":"was","start":557.045,"end":557.285,"confidence":0.98291016,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.19220486283302307},{"word":"an","start":557.285,"end":557.445,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.27783554792404175},{"word":"option","start":557.445,"end":557.945,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1958460509777069},{"word":"was","start":558.485,"end":558.805,"confidence":0.9873047,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17526134848594666},{"word":"we","start":558.805,"end":558.965,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21783621609210968},{"word":"found","start":558.965,"end":559.285,"confidence":0.99902344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.1868787407875061},{"word":"some","start":559.285,"end":559.445,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21687401831150055},{"word":"alternative","start":559.445,"end":559.945,"confidence":1.0,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.07349459826946259},{"word":"providers","start":560.085,"end":560.585,"confidence":1.0,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":0.06867557018995285},{"word":"who","start":560.645,"end":560.805,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.2322911024093628},{"word":"could","start":560.805,"end":561.045,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.27057284116744995},{"word":"kind","start":561.045,"end":561.285,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21346154808998108},{"word":"of","start":561.285,"end":561.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18775206804275513},{"word":"overhaul","start":561.605,"end":562.085,"confidence":0.99902344,"punctuated_word":"overhaul","sentiment":"neutral","sentiment_score":0.13392393290996552},{"word":"and","start":562.085,"end":562.325,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1961515247821808},{"word":"replace","start":562.325,"end":562.805,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.10132046043872832},{"word":"the","start":562.805,"end":563.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17606118321418762},{"word":"entire","start":563.045,"end":563.525,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.1335183084011078},{"word":"package","start":563.525,"end":564.025,"confidence":0.91796875,"punctuated_word":"package,","sentiment":"neutral","sentiment_score":0.13777805864810944},{"word":"and","start":564.805,"end":565.305,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2244226485490799},{"word":"it","start":565.365,"end":565.605,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2295544594526291},{"word":"might","start":565.605,"end":566.005,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.3187091052532196},{"word":"be","start":566.005,"end":566.505,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27838560938835144},{"word":"a","start":567.205,"end":567.365,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23730313777923584},{"word":"couple","start":567.365,"end":567.685,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.21194449067115784},{"word":"thousand","start":567.685,"end":568.085,"confidence":0.56347656,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.2283344566822052},{"word":"dollars","start":568.085,"end":568.485,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.13714218139648438},{"word":"less","start":568.485,"end":568.71,"confidence":0.99902344,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.1638914942741394},{"word":"per","start":568.95,"end":569.19,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.12917250394821167},{"word":"year","start":569.19,"end":569.69,"confidence":0.9970703,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.14966951310634613},{"word":"the","start":572.07,"end":572.31,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.00745566189289093},{"word":"only","start":572.31,"end":572.55005,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.05756127834320069},{"word":"thing","start":572.55005,"end":572.79004,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.004616737365722656},{"word":"that","start":572.79004,"end":572.95,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.044542647898197174},{"word":"we","start":572.95,"end":573.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0016042515635490415},{"word":"we","start":573.27,"end":573.51,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04129116237163544},{"word":"didn't","start":573.51,"end":573.83,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.0934055894613266},{"word":"check","start":573.83,"end":574.07,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.06890712678432465},{"word":"at","start":574.07,"end":574.23004,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10886767506599426},{"word":"the","start":574.23004,"end":574.39,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11489719152450562},{"word":"time","start":574.39,"end":574.89,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.09314869344234468},{"word":"was","start":575.19,"end":575.69,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12553104758262634},{"word":"what","start":576.39,"end":576.71,"confidence":0.96435547,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0951218456029892},{"word":"kind","start":576.71,"end":577.03,"confidence":1.0,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.10510088503360748},{"word":"of","start":577.03,"end":577.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09361693263053894},{"word":"health","start":577.27,"end":577.67004,"confidence":0.99902344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.16297166049480438},{"word":"change","start":577.67004,"end":578.17004,"confidence":0.7558594,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.12870196998119354},{"word":"have","start":578.71,"end":578.95,"confidence":0.98828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0836181640625},{"word":"you","start":578.95,"end":579.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08528211712837219},{"word":"had","start":579.19,"end":579.59,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.09262579679489136},{"word":"since","start":579.59,"end":579.91003,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.14450594782829285},{"word":"june","start":579.91003,"end":580.56006,"confidence":0.9833374,"punctuated_word":"June","sentiment":"neutral","sentiment_score":-0.0920405089855194},{"word":"2020","start":580.56006,"end":581.2101,"confidence":0.9833374,"punctuated_word":"2020.","sentiment":"neutral","sentiment_score":-0.07001187652349472},{"word":"now","start":584.645,"end":584.805,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08096625655889511},{"word":"if","start":584.805,"end":585.125,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09711641818284988},{"word":"there's","start":585.125,"end":585.625,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10658296942710876},{"word":"no","start":585.84503,"end":586.085,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.043781861662864685},{"word":"health","start":586.085,"end":586.405,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.08600763976573944},{"word":"changes","start":586.405,"end":586.905,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.09260886907577516},{"word":"at","start":586.965,"end":587.125,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0022415965795516968},{"word":"all","start":587.125,"end":587.625,"confidence":0.99853516,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.05212186276912689},{"word":"then","start":587.765,"end":588.005,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18322883546352384},{"word":"it","start":588.005,"end":588.16504,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2074066996574402},{"word":"would","start":588.16504,"end":588.325,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.22837410867214203},{"word":"be","start":588.325,"end":588.485,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2629971504211426},{"word":"pretty","start":588.485,"end":588.885,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.32559871673583984},{"word":"easy","start":588.885,"end":589.125,"confidence":1.0,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.29498258233070374},{"word":"to","start":589.125,"end":589.205,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14190341532230377},{"word":"switch","start":589.205,"end":589.60504,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.12675729393959043},{"word":"to","start":589.60504,"end":589.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13466040790081024},{"word":"another","start":589.685,"end":590.085,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0747234970331192},{"word":"provider","start":590.085,"end":590.585,"confidence":0.85253906,"punctuated_word":"provider.","sentiment":"neutral","sentiment_score":0.029694221913814545},{"word":"whereas","start":590.72504,"end":591.125,"confidence":0.9980469,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":-0.054308436810970306},{"word":"if","start":591.125,"end":591.205,"confidence":0.8613281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07980400323867798},{"word":"there's","start":591.205,"end":591.445,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.16363206505775452},{"word":"a","start":591.445,"end":591.60504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17054052650928497},{"word":"diagnosis","start":591.60504,"end":592.10504,"confidence":0.9020996,"punctuated_word":"diagnosis,","sentiment":"neutral","sentiment_score":-0.20755407214164737},{"word":"medication","start":592.405,"end":592.905,"confidence":0.9802246,"punctuated_word":"medication,","sentiment":"neutral","sentiment_score":-0.1980752944946289},{"word":"or","start":592.965,"end":593.205,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.24801336228847504},{"word":"injury","start":593.205,"end":593.705,"confidence":0.99853516,"punctuated_word":"injury,","sentiment":"neutral","sentiment_score":-0.1562739610671997},{"word":"then","start":594.005,"end":594.245,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12295479327440262},{"word":"we","start":594.245,"end":594.405,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14555247128009796},{"word":"would","start":594.405,"end":594.645,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1311998963356018},{"word":"have","start":594.645,"end":594.72504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12489093840122224},{"word":"to","start":594.72504,"end":594.885,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16703099012374878},{"word":"be","start":594.885,"end":595.045,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2117556631565094},{"word":"careful","start":595.045,"end":595.525,"confidence":1.0,"punctuated_word":"careful","sentiment":"neutral","sentiment_score":-0.22551706433296204},{"word":"not","start":595.525,"end":595.685,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1969555914402008},{"word":"to","start":595.685,"end":595.84503,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24054226279258728},{"word":"leave","start":595.84503,"end":596.085,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.2644955813884735},{"word":"you","start":596.085,"end":596.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14906209707260132},{"word":"with","start":597.125,"end":597.445,"confidence":0.6801758,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.22207261621952057},{"word":"exclude","start":597.445,"end":597.945,"confidence":0.35986328,"punctuated_word":"exclude","sentiment":"neutral","sentiment_score":-0.1840792745351791},{"word":"yeah","start":606.02997,"end":606.52997,"confidence":0.9580078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09923803806304932},{"word":"yeah","start":606.58997,"end":607.08997,"confidence":0.91064453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07130137830972672},{"word":"so","start":607.31,"end":607.63,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07072505354881287},{"word":"what","start":607.63,"end":607.87,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05185554176568985},{"word":"tends","start":607.87,"end":608.11,"confidence":0.99902344,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":-0.04499916732311249},{"word":"to","start":608.11,"end":608.26996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06381885707378387},{"word":"happen","start":608.26996,"end":608.50995,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.05941842868924141},{"word":"is","start":608.50995,"end":608.75,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.038210369646549225},{"word":"if","start":608.75,"end":608.82996,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07293356955051422},{"word":"we","start":608.82996,"end":608.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07338754832744598},{"word":"go","start":608.99,"end":609.23,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.06818938255310059},{"word":"through","start":609.23,"end":609.73,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.07961483299732208},{"word":"with","start":609.79,"end":609.94995,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09874929487705232},{"word":"the","start":609.94995,"end":610.11,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08844087272882462},{"word":"other","start":610.11,"end":610.35,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1012583076953888},{"word":"providers","start":610.35,"end":610.85,"confidence":0.9909668,"punctuated_word":"providers,","sentiment":"neutral","sentiment_score":-0.07536729425191879},{"word":"are","start":611.65497,"end":611.735,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05435207113623619},{"word":"you","start":611.735,"end":611.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03818552568554878},{"word":"able","start":611.975,"end":612.295,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0312140341848135},{"word":"to","start":612.295,"end":612.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01874527335166931},{"word":"see","start":612.455,"end":612.855,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.01454726792871952},{"word":"on","start":612.855,"end":613.095,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.015206210315227509},{"word":"there","start":613.095,"end":613.595,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.023639719933271408},{"word":"the","start":613.815,"end":614.055,"confidence":0.80371094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02616593986749649},{"word":"buttons","start":614.055,"end":614.555,"confidence":0.9970703,"punctuated_word":"buttons","sentiment":"neutral","sentiment_score":-0.020796798169612885},{"word":"on","start":614.935,"end":615.415,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.025052038952708244},{"word":"the","start":615.415,"end":615.65497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03820370137691498},{"word":"document","start":615.65497,"end":616.15497,"confidence":0.93408203,"punctuated_word":"document?","sentiment":"neutral","sentiment_score":-0.05186749994754791},{"word":"there's","start":617.415,"end":617.915,"confidence":0.99853516,"punctuated_word":"There's...","sentiment":"neutral","sentiment_score":-0.02985374629497528},{"word":"i'm","start":618.935,"end":619.175,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03328900784254074},{"word":"hoping","start":619.175,"end":619.415,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.013085868209600449},{"word":"that","start":619.415,"end":619.65497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01046634092926979},{"word":"there's","start":619.65497,"end":619.89496,"confidence":0.9316406,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.004659594036638737},{"word":"like","start":619.89496,"end":620.135,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.008683571591973305},{"word":"a","start":620.135,"end":620.21497,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020282676443457603},{"word":"little","start":620.21497,"end":620.71497,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03943370282649994},{"word":"arrows","start":621.015,"end":621.515,"confidence":0.90283203,"punctuated_word":"arrows","sentiment":"neutral","sentiment_score":0.01043140795081854},{"word":"at","start":621.89496,"end":622.135,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004425372928380966},{"word":"the","start":622.135,"end":622.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0011494792997837069},{"word":"top","start":622.375,"end":622.615,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.02240123599767685},{"word":"of","start":622.615,"end":622.77496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009916327893733978},{"word":"that","start":622.77496,"end":622.935,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004972551017999649},{"word":"digital","start":622.935,"end":623.415,"confidence":1.0,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":-0.013434503227472304},{"word":"system","start":623.415,"end":623.735,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":-0.012271087616682053},{"word":"where","start":623.735,"end":623.89496,"confidence":0.96972656,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.001599978655576706},{"word":"you","start":623.89496,"end":624.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0021036192774772644},{"word":"can","start":624.055,"end":624.21497,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.005680810660123825},{"word":"maybe","start":624.21497,"end":624.615,"confidence":0.9838867,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.005376366898417473},{"word":"switch","start":624.615,"end":625.115,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.007214978337287903},{"word":"switch","start":625.65497,"end":626.055,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.00008856877684593201},{"word":"to","start":626.055,"end":626.295,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013563260436058044},{"word":"the","start":626.295,"end":626.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007871497422456741},{"word":"documents","start":626.455,"end":626.955,"confidence":0.9836426,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":-0.0035857968032360077},{"word":"oh","start":640.8,"end":641.12,"confidence":0.9265137,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.05789864808320999},{"word":"yep","start":641.12,"end":641.415,"confidence":0.96207684,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.0628756433725357},{"word":"actually","start":655.32,"end":655.8,"confidence":0.79003906,"punctuated_word":"Actually,","sentiment":"neutral","sentiment_score":0.0023216642439365387},{"word":"what","start":655.8,"end":656.04004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0013734884560108185},{"word":"i","start":656.04004,"end":656.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0019009225070476532},{"word":"could","start":656.12,"end":656.44,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.002021118998527527},{"word":"do","start":656.44,"end":656.94,"confidence":1.0,"punctuated_word":"do...","sentiment":"neutral","sentiment_score":-0.004975283518433571},{"word":"do","start":657.08,"end":657.24,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.009428538382053375},{"word":"you","start":657.24,"end":657.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00024777650833129883},{"word":"want","start":657.4,"end":657.56,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.00029749050736427307},{"word":"me","start":657.56,"end":657.72003,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.004281677305698395},{"word":"to","start":657.72003,"end":658.04004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0045439936220645905},{"word":"email","start":658.04004,"end":658.44,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.00046800822019577026},{"word":"through","start":658.44,"end":658.76,"confidence":0.9658203,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.009792324155569077},{"word":"like","start":658.76,"end":658.92004,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.016655202955007553},{"word":"a","start":658.92004,"end":659.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03172842413187027},{"word":"pdf","start":659.08,"end":659.58,"confidence":0.9873047,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.0178382471203804},{"word":"to","start":660.2,"end":660.7,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012962356209754944},{"word":"the","start":660.84,"end":661.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010579545050859451},{"word":"work","start":661.0,"end":661.32,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.021125297993421555},{"word":"email","start":661.32,"end":661.82,"confidence":0.98999023,"punctuated_word":"email?","sentiment":"neutral","sentiment_score":0.02089497447013855},{"word":"that","start":662.12,"end":662.36005,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.05950427055358887},{"word":"way","start":662.36005,"end":662.68,"confidence":0.7849121,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.08177269995212555},{"word":"it's","start":662.68,"end":662.84,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08486229181289673},{"word":"a","start":662.84,"end":662.92004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09488131105899812},{"word":"bit","start":662.92004,"end":663.16003,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06766310334205627},{"word":"easier","start":663.16003,"end":663.48004,"confidence":0.9951172,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.08129262179136276},{"word":"to","start":663.48004,"end":663.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04411222040653229},{"word":"view","start":663.64,"end":663.88,"confidence":1.0,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.033778004348278046},{"word":"so","start":663.88,"end":664.04004,"confidence":0.6977539,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0050070881843566895},{"word":"it's","start":664.04004,"end":664.2,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0009899971773847938},{"word":"not","start":664.2,"end":664.36005,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.007248371839523315},{"word":"within","start":664.36005,"end":664.68,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.005442067980766296},{"word":"the","start":664.68,"end":664.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0002034902572631836},{"word":"digital","start":664.84,"end":665.24,"confidence":1.0,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":-0.04327050596475601},{"word":"system","start":665.24,"end":665.74,"confidence":0.9650879,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":-0.004807610064744949},{"word":"perfect","start":669.16003,"end":669.66003,"confidence":0.98583984,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5274121165275574},{"word":"so","start":669.72003,"end":670.22003,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.337393194437027},{"word":"i'm","start":671.765,"end":672.005,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.29640939831733704},{"word":"just","start":672.005,"end":672.245,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2987578213214874},{"word":"going","start":672.245,"end":672.485,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2512647211551666},{"word":"to","start":672.485,"end":672.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18976348638534543},{"word":"say","start":672.645,"end":673.145,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1864500343799591},{"word":"statement","start":673.365,"end":673.865,"confidence":0.8100586,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.28263795375823975},{"word":"of","start":674.325,"end":674.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2259112298488617},{"word":"advice","start":674.645,"end":675.145,"confidence":0.99609375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.19697809219360352},{"word":"and","start":675.285,"end":675.785,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2222578525543213},{"word":"appendix","start":675.925,"end":676.325,"confidence":0.9926758,"punctuated_word":"appendix.","sentiment":"neutral","sentiment_score":0.2020243704319},{"word":"so","start":676.325,"end":676.485,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2002943456172943},{"word":"i","start":676.485,"end":676.645,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2031492292881012},{"word":"just","start":676.645,"end":676.805,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21356457471847537},{"word":"wanna","start":676.805,"end":677.045,"confidence":0.85498047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.21951641142368317},{"word":"show","start":677.045,"end":677.205,"confidence":0.99902344,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.19867536425590515},{"word":"you","start":677.205,"end":677.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21574051678180697},{"word":"the","start":677.365,"end":677.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1897738426923752},{"word":"research","start":677.605,"end":678.005,"confidence":0.9970703,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.19959880411624908},{"word":"appendix","start":678.005,"end":678.505,"confidence":0.96118164,"punctuated_word":"appendix.","sentiment":"neutral","sentiment_score":0.1825108528137207},{"word":"please","start":679.365,"end":679.685,"confidence":0.9716797,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.11074312031269072},{"word":"see","start":679.685,"end":679.925,"confidence":0.9760742,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11551380902528764},{"word":"attached","start":679.925,"end":680.425,"confidence":0.98535156,"punctuated_word":"attached.","sentiment":"neutral","sentiment_score":0.1261216402053833},{"word":"can","start":682.485,"end":682.725,"confidence":0.9838867,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.08997665345668793},{"word":"you","start":682.725,"end":682.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07460895925760269},{"word":"let","start":682.885,"end":683.045,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06966687738895416},{"word":"me","start":683.045,"end":683.205,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.082166388630867},{"word":"know","start":683.205,"end":683.525,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08256803452968597},{"word":"what","start":683.525,"end":683.765,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08674515038728714},{"word":"the","start":683.765,"end":683.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08243469893932343},{"word":"email","start":683.925,"end":684.245,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.098428376019001},{"word":"address","start":684.245,"end":684.565,"confidence":0.9980469,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.083234041929245},{"word":"is","start":684.565,"end":684.87,"confidence":0.9995117,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.07721365988254547},{"word":"please","start":688.55,"end":689.05,"confidence":0.99902344,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.06879949569702148},{"word":"alright","start":689.99,"end":690.39,"confidence":0.9941406,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.15832608938217163},{"word":"and","start":690.39,"end":690.63,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21438220143318176},{"word":"i'm","start":690.63,"end":690.87,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.27512118220329285},{"word":"good","start":690.87,"end":691.02997,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2597695589065552},{"word":"to","start":691.02997,"end":691.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25496894121170044},{"word":"go","start":691.19,"end":691.69,"confidence":0.99902344,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.21969090402126312},{"word":"yep","start":698.23,"end":698.505,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07894600927829742},{"word":"yep","start":701.385,"end":701.885,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046372734010219574},{"word":"alright","start":707.865,"end":708.185,"confidence":0.9970703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.01705014333128929},{"word":"and","start":708.185,"end":708.34503,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03146869316697121},{"word":"so","start":708.34503,"end":708.505,"confidence":0.9614258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.028236377984285355},{"word":"that's","start":708.505,"end":708.905,"confidence":0.9309082,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03849564120173454},{"word":"n","start":708.905,"end":709.065,"confidence":0.9350586,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.035754457116127014},{"word":"for","start":709.065,"end":709.225,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.025778209790587425},{"word":"nelly","start":709.225,"end":709.725,"confidence":0.9658203,"punctuated_word":"Nelly,","sentiment":"neutral","sentiment_score":0.02481691539287567},{"word":"d","start":709.78503,"end":709.865,"confidence":0.9941406,"punctuated_word":"d","sentiment":"neutral","sentiment_score":0.03361497074365616},{"word":"for","start":709.865,"end":710.105,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02567439340054989},{"word":"delta","start":710.105,"end":710.605,"confidence":0.95532227,"punctuated_word":"delta,","sentiment":"neutral","sentiment_score":0.029047857969999313},{"word":"dot","start":711.625,"end":711.945,"confidence":0.9970703,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.03512008488178253},{"word":"e","start":711.945,"end":712.025,"confidence":0.9902344,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.031567856669425964},{"word":"d","start":712.025,"end":712.185,"confidence":1.0,"punctuated_word":"d","sentiment":"neutral","sentiment_score":0.0370323583483696},{"word":"u","start":712.185,"end":712.425,"confidence":1.0,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.04110966995358467},{"word":"dot","start":712.425,"end":712.585,"confidence":0.9819336,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.039400674402713776},{"word":"a","start":712.585,"end":712.745,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02826196700334549},{"word":"u","start":712.745,"end":713.01,"confidence":0.9277344,"punctuated_word":"u?","sentiment":"neutral","sentiment_score":0.034872882068157196},{"word":"perfect","start":715.97003,"end":716.47003,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7344125509262085},{"word":"and","start":718.77,"end":718.93,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5190218091011047},{"word":"then","start":718.93,"end":719.17,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5091624855995178},{"word":"what","start":719.17,"end":719.33,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.43637147545814514},{"word":"i'm","start":719.33,"end":719.41003,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4184597134590149},{"word":"gonna","start":719.41003,"end":719.65,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2672650218009949},{"word":"do","start":719.65,"end":719.81,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2838406562805176},{"word":"is","start":719.81,"end":719.97003,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27032026648521423},{"word":"i'm","start":719.97003,"end":720.13,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2658730745315552},{"word":"just","start":720.13,"end":720.29004,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2673870921134949},{"word":"gonna","start":720.29004,"end":720.53,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.21532922983169556},{"word":"attach","start":720.53,"end":720.77,"confidence":1.0,"punctuated_word":"attach","sentiment":"neutral","sentiment_score":0.1695355623960495},{"word":"these","start":720.77,"end":721.01,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.240940123796463},{"word":"two","start":721.01,"end":721.25,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.22967563569545743},{"word":"documents","start":721.25,"end":721.73,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.23518610000610352},{"word":"there","start":721.73,"end":722.23,"confidence":0.9946289,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1806749403476715},{"word":"just","start":722.93,"end":723.17,"confidence":0.99902344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10517983138561247},{"word":"bear","start":723.17,"end":723.41003,"confidence":1.0,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.07892163842916489},{"word":"with","start":723.41003,"end":723.57,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07426805794239044},{"word":"me","start":723.57,"end":723.73,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12308923900127412},{"word":"for","start":723.73,"end":724.05,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07809050381183624},{"word":"one","start":724.05,"end":724.21,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08148537576198578},{"word":"moment","start":724.21,"end":724.71,"confidence":0.9980469,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.09472806751728058},{"word":"and","start":731.98505,"end":732.48505,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1012948751449585},{"word":"statement","start":732.945,"end":733.445,"confidence":0.9892578,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.17629969120025635},{"word":"of","start":733.505,"end":733.66504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14367757737636566},{"word":"advice","start":733.66504,"end":734.16504,"confidence":0.9892578,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.14591430127620697},{"word":"and","start":734.625,"end":735.125,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1363922953605652},{"word":"appendix","start":735.34503,"end":735.84503,"confidence":0.9067383,"punctuated_word":"appendix.","sentiment":"neutral","sentiment_score":0.13316906988620758},{"word":"i'll","start":737.585,"end":737.745,"confidence":0.7495117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19238317012786865},{"word":"swing","start":737.745,"end":737.98505,"confidence":0.9980469,"punctuated_word":"swing","sentiment":"neutral","sentiment_score":0.18487679958343503},{"word":"those","start":737.98505,"end":738.30505,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2583378851413727},{"word":"on","start":738.30505,"end":738.69,"confidence":0.98217773,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.19918256998062137},{"word":"and","start":738.77,"end":738.85,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2574627101421356},{"word":"i'm","start":738.85,"end":739.09,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23947422206401825},{"word":"hoping","start":739.09,"end":739.59,"confidence":0.78808594,"punctuated_word":"hoping,","sentiment":"neutral","sentiment_score":0.3116888403892517},{"word":"because","start":739.97003,"end":740.21,"confidence":0.99316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.23328767716884613},{"word":"it's","start":740.21,"end":740.45,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.352112740278244},{"word":"the","start":740.45,"end":740.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3688790798187256},{"word":"first","start":740.53,"end":740.77,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.3033581078052521},{"word":"time","start":740.77,"end":741.01,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.26876360177993774},{"word":"that","start":741.01,"end":741.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33247557282447815},{"word":"i've","start":741.17,"end":741.49,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2628397047519684},{"word":"emailed","start":741.49,"end":741.89,"confidence":0.9980469,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.24241362512111664},{"word":"this","start":741.89,"end":742.13,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.35385268926620483},{"word":"email","start":742.13,"end":742.53,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2651093602180481},{"word":"address","start":742.53,"end":742.85,"confidence":0.7026367,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.2635774314403534},{"word":"from","start":742.85,"end":743.09,"confidence":0.9770508,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.27257969975471497},{"word":"mine","start":743.09,"end":743.57,"confidence":0.95458984,"punctuated_word":"mine,","sentiment":"neutral","sentiment_score":0.2840554714202881},{"word":"that","start":743.57,"end":743.81,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30379393696784973},{"word":"it","start":743.81,"end":743.89,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3950206041336059},{"word":"won't","start":743.89,"end":744.21,"confidence":1.0,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.2736782431602478},{"word":"take","start":744.21,"end":744.45,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.18471521139144895},{"word":"too","start":744.45,"end":744.61,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.14430880546569824},{"word":"long","start":744.61,"end":744.93,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11572375893592834},{"word":"to","start":744.93,"end":745.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20216473937034607},{"word":"come","start":745.01,"end":745.25,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.18546657264232635},{"word":"through","start":745.25,"end":745.75,"confidence":0.99609375,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.1788674294948578},{"word":"and","start":750.93,"end":751.17,"confidence":0.9980469,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3450509309768677},{"word":"hopefully","start":751.17,"end":751.49,"confidence":0.626709,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.41659969091415405},{"word":"without","start":751.49,"end":751.81,"confidence":0.85595703,"punctuated_word":"without","sentiment":"positive","sentiment_score":0.3578033149242401},{"word":"all","start":751.81,"end":751.97003,"confidence":0.9980469,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.34628957509994507},{"word":"those","start":751.97003,"end":752.21,"confidence":0.9951172,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.43144625425338745},{"word":"supplementary","start":752.21,"end":752.71,"confidence":0.9980469,"punctuated_word":"supplementary","sentiment":"positive","sentiment_score":0.3617141842842102},{"word":"attachments","start":752.93,"end":753.41,"confidence":0.98828125,"punctuated_word":"attachments,","sentiment":"neutral","sentiment_score":0.26726680994033813},{"word":"it's","start":753.41,"end":753.57,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.41690129041671753},{"word":"a","start":753.57,"end":753.65,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41624489426612854},{"word":"little","start":753.65,"end":753.89,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2319890558719635},{"word":"bit","start":753.89,"end":754.05,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2195776253938675},{"word":"faster","start":754.05,"end":754.37,"confidence":0.9902344,"punctuated_word":"faster","sentiment":"positive","sentiment_score":0.3576706051826477},{"word":"than","start":754.37,"end":754.665,"confidence":0.98828125,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2705536484718323},{"word":"when","start":754.665,"end":754.90497,"confidence":0.9980469,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3519381582736969},{"word":"you","start":754.90497,"end":755.065,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3098260462284088},{"word":"attach","start":755.065,"end":755.545,"confidence":0.98535156,"punctuated_word":"attach","sentiment":"neutral","sentiment_score":0.15435649454593658},{"word":"another","start":755.545,"end":755.865,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.1815890222787857},{"word":"2,000","start":755.865,"end":756.345,"confidence":1.0,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.2127267420291901},{"word":"pages","start":756.345,"end":756.745,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.1504216194152832},{"word":"along","start":756.745,"end":756.985,"confidence":0.99609375,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.26765894889831543},{"word":"with","start":756.985,"end":757.14496,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.30038267374038696},{"word":"it","start":757.14496,"end":757.38495,"confidence":0.80371094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3024422824382782},{"word":"of","start":757.38495,"end":757.625,"confidence":0.5966797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2343638688325882},{"word":"product","start":757.625,"end":757.945,"confidence":0.9970703,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.19310620427131653},{"word":"documents","start":757.945,"end":758.445,"confidence":0.99853516,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.1623837798833847},{"word":"alright","start":764.82495,"end":765.305,"confidence":0.9975586,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10158684849739076},{"word":"so","start":765.305,"end":765.545,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06596275418996811},{"word":"that","start":765.545,"end":765.785,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07006955146789551},{"word":"has","start":765.785,"end":766.105,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03937964513897896},{"word":"sent","start":766.105,"end":766.345,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.03058883547782898},{"word":"through","start":766.345,"end":766.58496,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07603847980499268},{"word":"now","start":766.58496,"end":766.82495,"confidence":0.9436035,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.06369198858737946},{"word":"and","start":766.82495,"end":767.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028336063027381897},{"word":"it","start":767.065,"end":767.225,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.028039857745170593},{"word":"might","start":767.225,"end":767.46497,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.0024319179356098175},{"word":"be","start":767.46497,"end":767.945,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.014760449528694153},{"word":"in","start":767.945,"end":768.26495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.029783666133880615},{"word":"the","start":768.26495,"end":768.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015080973505973816},{"word":"junk","start":768.745,"end":769.14496,"confidence":1.0,"punctuated_word":"junk","sentiment":"neutral","sentiment_score":-0.0033665895462036133},{"word":"folder","start":769.14496,"end":769.64496,"confidence":1.0,"punctuated_word":"folder","sentiment":"neutral","sentiment_score":-0.04998636618256569},{"word":"or","start":769.70496,"end":769.865,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.050967201590538025},{"word":"main","start":769.865,"end":770.105,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.031509026885032654},{"word":"inbox","start":770.105,"end":770.605,"confidence":0.99365234,"punctuated_word":"inbox.","sentiment":"neutral","sentiment_score":0.006708870641887188},{"word":"alright","start":828.37,"end":828.77,"confidence":0.767334,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06968390196561813},{"word":"now","start":828.77,"end":829.17004,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.046737074851989746},{"word":"has","start":829.17004,"end":829.41003,"confidence":0.95166016,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03822760283946991},{"word":"the","start":829.41003,"end":829.73004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03464147821068764},{"word":"email","start":829.73004,"end":830.13,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.01953587681055069},{"word":"come","start":830.13,"end":830.37,"confidence":0.99609375,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.03923854231834411},{"word":"through","start":830.37,"end":830.69,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.023961128666996956},{"word":"at","start":830.69,"end":830.85004,"confidence":0.9277344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014350039884448051},{"word":"all","start":830.85004,"end":831.17004,"confidence":0.7915039,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.01816156506538391},{"word":"or","start":831.17004,"end":831.67004,"confidence":0.9550781,"punctuated_word":"Or...","sentiment":"neutral","sentiment_score":-0.008084596134722233},{"word":"so","start":835.97003,"end":836.29004,"confidence":0.3112793,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.248148649930954},{"word":"is","start":836.29004,"end":836.535,"confidence":0.34326172,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.33705610036849976},{"word":"sometimes","start":836.77496,"end":837.25494,"confidence":0.28515625,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.29226502776145935},{"word":"it's","start":837.25494,"end":837.33496,"confidence":0.85546875,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3842092454433441},{"word":"like","start":837.33496,"end":837.495,"confidence":0.52197266,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.4617827236652374},{"word":"a","start":837.495,"end":837.57495,"confidence":0.98828125,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4034547209739685},{"word":"ten","start":837.57495,"end":837.89496,"confidence":0.9333496,"punctuated_word":"ten,","sentiment":"negative","sentiment_score":-0.3891746401786804},{"word":"fifteen","start":837.89496,"end":838.21497,"confidence":0.9980469,"punctuated_word":"fifteen","sentiment":"negative","sentiment_score":-0.4350643455982208},{"word":"minutes","start":838.21497,"end":838.45496,"confidence":0.98828125,"punctuated_word":"minutes","sentiment":"negative","sentiment_score":-0.4135869145393371},{"word":"later","start":838.45496,"end":838.855,"confidence":0.99609375,"punctuated_word":"later","sentiment":"negative","sentiment_score":-0.3951137959957123},{"word":"kinda","start":838.855,"end":839.095,"confidence":0.50683594,"punctuated_word":"kinda","sentiment":"negative","sentiment_score":-0.42297324538230896},{"word":"thing","start":839.095,"end":839.33496,"confidence":0.99316406,"punctuated_word":"thing.","sentiment":"negative","sentiment_score":-0.41611504554748535},{"word":"it's","start":839.33496,"end":839.495,"confidence":1.0,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.5437827110290527},{"word":"never","start":839.495,"end":839.815,"confidence":1.0,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.6065731644630432},{"word":"fun","start":839.815,"end":840.315,"confidence":0.9638672,"punctuated_word":"fun.","sentiment":"negative","sentiment_score":-0.5128520131111145},{"word":"and","start":849.65497,"end":849.89496,"confidence":0.9741211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.039217181503772736},{"word":"i'll","start":849.89496,"end":850.055,"confidence":0.98046875,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.0452570840716362},{"word":"just","start":850.055,"end":850.21497,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.050624530762434006},{"word":"double","start":850.21497,"end":850.535,"confidence":0.8041992,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.0489288717508316},{"word":"check","start":850.535,"end":850.89,"confidence":0.9711914,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":-0.05147923529148102},{"word":"so","start":850.97003,"end":851.21,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.010020557790994644},{"word":"first","start":851.21,"end":851.37,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.009013563394546509},{"word":"name","start":851.37,"end":851.77,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.021051838994026184},{"word":"dot","start":851.77,"end":852.09,"confidence":0.99609375,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":-0.01296661514788866},{"word":"last","start":852.09,"end":852.33,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.014638323336839676},{"word":"name@ndat.edu.au","start":852.33,"end":857.07,"confidence":0.9727376,"punctuated_word":"name@ndat.edu.au?","sentiment":"neutral","sentiment_score":-0.014387989416718485},{"word":"yep","start":862.97003,"end":863.47003,"confidence":0.76220703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03313717246055603},{"word":"n","start":863.85004,"end":864.09,"confidence":0.70996094,"punctuated_word":"N","sentiment":"neutral","sentiment_score":0.013413325883448124},{"word":"d","start":864.09,"end":864.49,"confidence":0.9941406,"punctuated_word":"d","sentiment":"neutral","sentiment_score":0.017325185239315033},{"word":"dot","start":864.49,"end":864.73004,"confidence":0.9873047,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.015745259821414948},{"word":"e","start":864.73004,"end":864.89,"confidence":0.9760742,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.010588837787508965},{"word":"d","start":864.89,"end":865.05,"confidence":0.99902344,"punctuated_word":"d","sentiment":"neutral","sentiment_score":0.00918928161263466},{"word":"u","start":865.05,"end":865.37,"confidence":1.0,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.014433739706873894},{"word":"dot","start":865.37,"end":865.61,"confidence":0.99902344,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.008704052306711674},{"word":"a","start":865.61,"end":865.85004,"confidence":0.91259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002056436613202095},{"word":"u","start":865.85004,"end":866.055,"confidence":0.970459,"punctuated_word":"u.","sentiment":"neutral","sentiment_score":0.0060770558193326},{"word":"perfect","start":870.77496,"end":871.27496,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.33723998069763184},{"word":"now","start":871.495,"end":871.995,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07372143864631653},{"word":"that's","start":873.255,"end":873.575,"confidence":0.9863281,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06063038110733032},{"word":"what","start":873.575,"end":873.735,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.061184532940387726},{"word":"we","start":873.735,"end":873.895,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08303841203451157},{"word":"wanna","start":873.895,"end":874.135,"confidence":0.9404297,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08288848400115967},{"word":"look","start":874.135,"end":874.295,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0889156386256218},{"word":"at","start":874.295,"end":874.535,"confidence":0.74658203,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.07840434461832047},{"word":"it's","start":874.535,"end":874.695,"confidence":0.982666,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0540216825902462},{"word":"just","start":874.695,"end":874.935,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05598893389105797},{"word":"the","start":874.935,"end":875.175,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04400916397571564},{"word":"appendix","start":875.175,"end":875.65497,"confidence":0.99902344,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.043878089636564255},{"word":"is","start":875.65497,"end":875.815,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04410649091005325},{"word":"a","start":875.815,"end":875.975,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018631482496857643},{"word":"bit","start":875.975,"end":876.135,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.022191759198904037},{"word":"more","start":876.135,"end":876.375,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.016941837966442108},{"word":"like","start":876.375,"end":876.615,"confidence":0.98535156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.005610443651676178},{"word":"a","start":876.615,"end":877.115,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007106106728315353},{"word":"a","start":877.735,"end":877.895,"confidence":0.88671875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0010940060019493103},{"word":"mountainous","start":877.895,"end":878.395,"confidence":0.98828125,"punctuated_word":"mountainous","sentiment":"neutral","sentiment_score":0.008255749940872192},{"word":"forest","start":878.455,"end":878.855,"confidence":0.9941406,"punctuated_word":"forest","sentiment":"neutral","sentiment_score":0.016396231949329376},{"word":"range","start":878.855,"end":879.21,"confidence":0.9980469,"punctuated_word":"range.","sentiment":"neutral","sentiment_score":0.002492915838956833},{"word":"can","start":881.93,"end":882.17004,"confidence":0.9941406,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.017550377175211906},{"word":"you","start":882.17004,"end":882.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015813563019037247},{"word":"see","start":882.33,"end":882.49005,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.019176267087459564},{"word":"that","start":882.49005,"end":882.73004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017500566318631172},{"word":"one","start":882.73004,"end":882.89,"confidence":0.9902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.012172186747193336},{"word":"there","start":882.89,"end":883.39,"confidence":0.99609375,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.009473311714828014},{"word":"sorry","start":887.93,"end":888.25,"confidence":0.9470215,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03855741769075394},{"word":"if","start":888.25,"end":888.41003,"confidence":0.97802734,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.023559631779789925},{"word":"we","start":888.41003,"end":888.49005,"confidence":0.98828125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02460995689034462},{"word":"go","start":888.49005,"end":888.65,"confidence":0.9633789,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.011545531451702118},{"word":"down","start":888.65,"end":889.13,"confidence":0.8076172,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.017534464597702026},{"word":"eight","start":889.13,"end":889.37,"confidence":0.99316406,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.026305971667170525},{"word":"pages","start":889.37,"end":889.87,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":-0.036767035722732544},{"word":"to","start":891.13,"end":891.29004,"confidence":0.37231445,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.025570886209607124},{"word":"the","start":891.29004,"end":891.61005,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01604718714952469},{"word":"eight","start":891.61005,"end":891.93,"confidence":0.6958008,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.00731947086751461},{"word":"page","start":891.93,"end":892.43,"confidence":0.60717773,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":-0.009570167399942877},{"word":"yep","start":892.73004,"end":893.13,"confidence":0.91137695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010230621322989464},{"word":"you","start":893.13,"end":893.37,"confidence":0.99609375,"punctuated_word":"You...","sentiment":"neutral","sentiment_score":0.0016287779435515404},{"word":"what","start":893.37,"end":893.53,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.005334803834557533},{"word":"you'll","start":893.53,"end":893.865,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.01052912324666977},{"word":"see","start":894.825,"end":895.065,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.01865139789879322},{"word":"around","start":895.065,"end":895.305,"confidence":0.8413086,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.006333440542221069},{"word":"the","start":895.305,"end":895.46497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002019651234149933},{"word":"bottom","start":895.46497,"end":895.785,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.0070266686379909515},{"word":"half","start":895.785,"end":896.02496,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.010808739811182022},{"word":"of","start":896.02496,"end":896.185,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006503850221633911},{"word":"that","start":896.185,"end":896.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004881922155618668},{"word":"is","start":896.505,"end":896.745,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00411142036318779},{"word":"all","start":896.745,"end":896.90497,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.007152773439884186},{"word":"of","start":896.90497,"end":897.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0055156610906124115},{"word":"the","start":897.065,"end":897.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007264692336320877},{"word":"insurer","start":897.305,"end":897.805,"confidence":0.9741211,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.009636767208576202},{"word":"logos","start":897.865,"end":898.365,"confidence":0.77368164,"punctuated_word":"logos.","sentiment":"neutral","sentiment_score":0.0010979033540934324},{"word":"blue","start":898.985,"end":899.305,"confidence":0.99609375,"punctuated_word":"Blue","sentiment":"neutral","sentiment_score":0.017805390059947968},{"word":"and","start":899.305,"end":899.545,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009449897333979608},{"word":"green","start":899.545,"end":899.865,"confidence":1.0,"punctuated_word":"green","sentiment":"neutral","sentiment_score":0.01352633722126484},{"word":"and","start":899.865,"end":900.02496,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00607014074921608},{"word":"red","start":900.02496,"end":900.345,"confidence":1.0,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.012467944994568825},{"word":"and","start":900.345,"end":900.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0029804669320583344},{"word":"purple","start":900.505,"end":900.825,"confidence":1.0,"punctuated_word":"purple","sentiment":"neutral","sentiment_score":0.015020787715911863},{"word":"and","start":900.825,"end":901.325,"confidence":0.8461914,"punctuated_word":"and...","sentiment":"neutral","sentiment_score":-0.0009188037365674973},{"word":"can","start":903.225,"end":903.385,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.021012891083955765},{"word":"you","start":903.385,"end":903.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018711484968662265},{"word":"see","start":903.545,"end":903.785,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03057296946644783},{"word":"those","start":903.785,"end":904.02496,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.033520154654979706},{"word":"there","start":904.02496,"end":904.265,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02809213288128376},{"word":"with","start":904.265,"end":904.425,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021143456920981407},{"word":"the","start":904.425,"end":904.58496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020147301256656647},{"word":"different","start":904.58496,"end":904.985,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.022029951214790344},{"word":"scores","start":904.985,"end":905.305,"confidence":0.9951172,"punctuated_word":"scores","sentiment":"neutral","sentiment_score":0.00861438363790512},{"word":"and","start":905.305,"end":905.545,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024925313889980316},{"word":"prices","start":905.545,"end":906.045,"confidence":0.99853516,"punctuated_word":"prices?","sentiment":"neutral","sentiment_score":0.01449189893901348},{"word":"so","start":908.37994,"end":908.87994,"confidence":0.93359375,"punctuated_word":"So...","sentiment":"neutral","sentiment_score":0.01691817119717598},{"word":"yep","start":910.06,"end":910.45996,"confidence":0.94596356,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0020069614984095097},{"word":"so","start":910.45996,"end":910.77997,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0691952258348465},{"word":"the","start":910.77997,"end":910.93994,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08165661990642548},{"word":"alternative","start":910.93994,"end":911.43994,"confidence":0.9902344,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.06982989609241486},{"word":"that","start":911.5,"end":911.66,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14266933500766754},{"word":"we","start":911.66,"end":911.81995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14192119240760803},{"word":"can","start":911.81995,"end":912.06,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1224227324128151},{"word":"look","start":912.06,"end":912.22,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09935276210308076},{"word":"at","start":912.22,"end":912.54,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1231970712542534},{"word":"is","start":912.54,"end":912.86,"confidence":0.96435547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08866266906261444},{"word":"if","start":912.86,"end":913.01996,"confidence":0.95947266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09957417845726012},{"word":"you","start":913.01996,"end":913.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08502621203660965},{"word":"look","start":913.1,"end":913.25995,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05856931582093239},{"word":"at","start":913.25995,"end":913.42,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.056084271520376205},{"word":"the","start":913.42,"end":913.5,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07958390563726425},{"word":"bottom","start":913.5,"end":913.89996,"confidence":0.8466797,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.07346519082784653},{"word":"can","start":913.89996,"end":914.13995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04594134539365768},{"word":"you","start":914.13995,"end":914.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07081583142280579},{"word":"see","start":914.3,"end":914.45996,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05027234926819801},{"word":"at","start":914.45996,"end":914.54,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04247050732374191},{"word":"the","start":914.54,"end":914.62,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07821829617023468},{"word":"bottom","start":914.62,"end":914.93994,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.06279003620147705},{"word":"right","start":914.93994,"end":915.18,"confidence":0.99609375,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0932374969124794},{"word":"of","start":915.18,"end":915.25995,"confidence":0.9506836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08592463284730911},{"word":"the","start":915.25995,"end":915.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0836649239063263},{"word":"table","start":915.5,"end":916.0,"confidence":0.76904297,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.06586934626102448},{"word":"neos","start":917.01996,"end":917.42,"confidence":0.7468262,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.07287269830703735},{"word":"is","start":917.42,"end":917.57996,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06993985921144485},{"word":"the","start":917.57996,"end":917.89996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0763757973909378},{"word":"the","start":917.89996,"end":918.06,"confidence":0.93603516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07281098514795303},{"word":"bottom","start":918.06,"end":918.56,"confidence":0.7376709,"punctuated_word":"bottom?","sentiment":"neutral","sentiment_score":0.06879555433988571},{"word":"and","start":918.69995,"end":918.93994,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07912376523017883},{"word":"if","start":918.93994,"end":919.1,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11302120983600616},{"word":"you","start":919.1,"end":919.25995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09047757834196092},{"word":"go","start":919.25995,"end":919.5,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0699959248304367},{"word":"all","start":919.5,"end":919.66,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07090228796005249},{"word":"the","start":919.66,"end":919.81995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08611342310905457},{"word":"way","start":919.81995,"end":920.06,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0965721607208252},{"word":"across","start":920.06,"end":920.56,"confidence":0.99365234,"punctuated_word":"across,","sentiment":"neutral","sentiment_score":0.07226444035768509},{"word":"it","start":920.62,"end":920.77997,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11122091114521028},{"word":"has","start":920.77997,"end":920.93994,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07984331995248795},{"word":"a","start":920.93994,"end":921.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0882529765367508},{"word":"score","start":921.135,"end":921.2684,"confidence":1.0,"punctuated_word":"score","sentiment":"neutral","sentiment_score":0.08043548464775085},{"word":"of","start":921.2684,"end":921.4017,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07983159273862839},{"word":"81","start":921.4017,"end":922.03503,"confidence":1.0,"punctuated_word":"81.","sentiment":"neutral","sentiment_score":0.08648177981376648},{"word":"now","start":925.455,"end":925.855,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19532349705696103},{"word":"what","start":925.855,"end":926.175,"confidence":0.98828125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20423394441604617},{"word":"that","start":926.175,"end":926.41504,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23701265454292297},{"word":"means","start":926.41504,"end":926.91504,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.1416504681110382},{"word":"is","start":926.97504,"end":927.135,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22323530912399292},{"word":"that","start":927.135,"end":927.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2176232635974884},{"word":"that's","start":927.375,"end":927.695,"confidence":0.9875488,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.33204424381256104},{"word":"kind","start":927.695,"end":927.935,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2967416048049927},{"word":"of","start":927.935,"end":928.09503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3032369911670685},{"word":"all","start":928.09503,"end":928.335,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.25897571444511414},{"word":"the","start":928.335,"end":928.575,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3270261585712433},{"word":"small","start":928.575,"end":928.97504,"confidence":1.0,"punctuated_word":"small","sentiment":"positive","sentiment_score":0.39344894886016846},{"word":"print","start":928.97504,"end":929.295,"confidence":0.9199219,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.31328433752059937},{"word":"and","start":929.295,"end":929.455,"confidence":0.92822266,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3489205539226532},{"word":"the","start":929.455,"end":929.695,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4328354597091675},{"word":"fine","start":929.695,"end":929.935,"confidence":1.0,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.42371901869773865},{"word":"print","start":929.935,"end":930.335,"confidence":1.0,"punctuated_word":"print","sentiment":"positive","sentiment_score":0.34732377529144287},{"word":"under","start":930.335,"end":930.495,"confidence":1.0,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.40392905473709106},{"word":"the","start":930.495,"end":930.655,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4068222641944885},{"word":"hood","start":930.655,"end":931.055,"confidence":0.99194336,"punctuated_word":"hood.","sentiment":"positive","sentiment_score":0.42449840903282166},{"word":"you","start":931.055,"end":931.215,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5627321004867554},{"word":"want","start":931.215,"end":931.455,"confidence":0.98828125,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.5432947874069214},{"word":"a","start":931.455,"end":931.53503,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5931974649429321},{"word":"really","start":931.53503,"end":931.855,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6857678294181824},{"word":"good","start":931.855,"end":932.015,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6429690718650818},{"word":"feature","start":932.015,"end":932.41504,"confidence":0.92578125,"punctuated_word":"feature","sentiment":"positive","sentiment_score":0.714057445526123},{"word":"score","start":932.41504,"end":932.655,"confidence":0.93115234,"punctuated_word":"score.","sentiment":"positive","sentiment_score":0.5855046510696411},{"word":"you","start":932.655,"end":933.055,"confidence":0.92578125,"punctuated_word":"You...","sentiment":"positive","sentiment_score":0.34360191226005554},{"word":"essentially","start":933.055,"end":933.455,"confidence":0.8676758,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.31751900911331177},{"word":"with","start":933.455,"end":933.615,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.43976259231567383},{"word":"these","start":933.615,"end":933.775,"confidence":1.0,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.430165559053421},{"word":"insurances","start":933.775,"end":934.275,"confidence":0.9967448,"punctuated_word":"insurances,","sentiment":"positive","sentiment_score":0.3694641590118408},{"word":"you","start":934.335,"end":934.495,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3914997279644013},{"word":"want","start":934.495,"end":934.815,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.312783807516098},{"word":"more","start":934.815,"end":935.135,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3600858449935913},{"word":"features","start":935.135,"end":935.635,"confidence":0.9980469,"punctuated_word":"features,","sentiment":"positive","sentiment_score":0.44097650051116943},{"word":"more","start":936.12,"end":936.36,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3749970495700836},{"word":"fine","start":936.36,"end":936.6,"confidence":1.0,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.4430210292339325},{"word":"print","start":936.6,"end":936.84,"confidence":0.9970703,"punctuated_word":"print","sentiment":"positive","sentiment_score":0.4749374985694885},{"word":"because","start":936.84,"end":937.08,"confidence":0.66796875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.30944839119911194},{"word":"it","start":937.08,"end":937.16003,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.495132178068161},{"word":"means","start":937.16003,"end":937.48,"confidence":1.0,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.4376257359981537},{"word":"more","start":937.48,"end":937.72003,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.45136743783950806},{"word":"options","start":937.72003,"end":938.2,"confidence":0.99853516,"punctuated_word":"options,","sentiment":"positive","sentiment_score":0.5057740211486816},{"word":"more","start":938.2,"end":938.44,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5018516182899475},{"word":"things","start":938.44,"end":938.68,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5330090522766113},{"word":"to","start":938.68,"end":938.84,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4757653474807739},{"word":"claim","start":938.84,"end":939.08,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.43842944502830505},{"word":"on","start":939.08,"end":939.58,"confidence":0.9941406,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.33049023151397705},{"word":"now","start":942.44,"end":942.76,"confidence":0.9921875,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11900055408477785},{"word":"what","start":942.76,"end":943.0,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17123737931251526},{"word":"the","start":943.0,"end":943.16003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11413425207138062},{"word":"alternative","start":943.16003,"end":943.66003,"confidence":1.0,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.06335795670747757},{"word":"is","start":943.8,"end":944.12,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12515151500701904},{"word":"is","start":944.12,"end":944.36,"confidence":0.6958008,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1453830897808075},{"word":"if","start":944.36,"end":944.44,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1887635588645935},{"word":"you","start":944.44,"end":944.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16982895135879517},{"word":"look","start":944.6,"end":944.76,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10158070921897888},{"word":"at","start":944.76,"end":944.92,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08758339285850525},{"word":"the","start":944.92,"end":945.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1154283732175827},{"word":"red","start":945.08,"end":945.32,"confidence":1.0,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.11389315128326416},{"word":"one","start":945.32,"end":945.82,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0959881991147995},{"word":"aia","start":945.88,"end":946.38,"confidence":0.7800293,"punctuated_word":"AIA","sentiment":"neutral","sentiment_score":0.08080428838729858},{"word":"and","start":946.68,"end":947.0,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08066125959157944},{"word":"the","start":947.0,"end":947.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1261363923549652},{"word":"kind","start":947.32,"end":947.48,"confidence":0.9326172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11188830435276031},{"word":"of","start":947.48,"end":947.56,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1204250156879425},{"word":"blue","start":947.56,"end":947.8,"confidence":0.99902344,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.15502893924713135},{"word":"one","start":947.8,"end":948.04,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15278202295303345},{"word":"above","start":948.04,"end":948.28,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.1804670691490173},{"word":"that","start":948.28,"end":948.52,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14659614861011505},{"word":"clearview","start":948.52,"end":949.02,"confidence":0.7885742,"punctuated_word":"Clearview,","sentiment":"neutral","sentiment_score":0.17900443077087402},{"word":"they're","start":949.46497,"end":949.705,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.30916011333465576},{"word":"both","start":949.705,"end":950.02496,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.32145094871520996},{"word":"pretty","start":950.02496,"end":950.345,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.390400767326355},{"word":"well","start":950.345,"end":950.585,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3494463264942169},{"word":"in","start":950.585,"end":950.825,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3364333510398865},{"word":"line","start":950.825,"end":951.065,"confidence":0.99902344,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.369588315486908},{"word":"with","start":951.065,"end":951.305,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.36453649401664734},{"word":"that","start":951.305,"end":951.545,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3366175591945648},{"word":"same","start":951.545,"end":952.045,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.3133102059364319},{"word":"feature","start":952.265,"end":952.765,"confidence":0.94921875,"punctuated_word":"feature","sentiment":"positive","sentiment_score":0.4294306635856629},{"word":"score","start":952.825,"end":953.145,"confidence":1.0,"punctuated_word":"score","sentiment":"positive","sentiment_score":0.3388166129589081},{"word":"in","start":953.145,"end":953.305,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35797032713890076},{"word":"terms","start":953.305,"end":953.545,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.3611020743846894},{"word":"of","start":953.545,"end":953.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30303463339805603},{"word":"quality","start":953.785,"end":954.285,"confidence":0.9909668,"punctuated_word":"quality,","sentiment":"neutral","sentiment_score":0.2436571419239044},{"word":"but","start":954.505,"end":954.665,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.21495699882507324},{"word":"they're","start":954.665,"end":954.745,"confidence":0.97216797,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2632053792476654},{"word":"a","start":954.745,"end":954.825,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29082369804382324},{"word":"lot","start":954.825,"end":955.065,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.25699901580810547},{"word":"lower","start":955.065,"end":955.46497,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.18981392681598663},{"word":"price","start":955.46497,"end":955.96497,"confidence":0.9946289,"punctuated_word":"price.","sentiment":"neutral","sentiment_score":0.23428207635879517},{"word":"so","start":959.145,"end":959.645,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22453707456588745},{"word":"if","start":959.945,"end":960.185,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24249091744422913},{"word":"you're","start":960.185,"end":960.345,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21222198009490967},{"word":"comfortable","start":960.345,"end":960.845,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.17611239850521088},{"word":"to","start":960.985,"end":961.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2444429248571396},{"word":"look","start":961.145,"end":961.305,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2053342163562775},{"word":"at","start":961.305,"end":961.385,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.234618216753006},{"word":"that","start":961.385,"end":961.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26272308826446533},{"word":"alternative","start":961.625,"end":962.125,"confidence":0.99902344,"punctuated_word":"alternative,","sentiment":"neutral","sentiment_score":0.18792495131492615},{"word":"i","start":962.505,"end":962.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26375287771224976},{"word":"can","start":962.665,"end":962.825,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22539612650871277},{"word":"send","start":962.825,"end":963.065,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2101208120584488},{"word":"you","start":963.065,"end":963.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2035745084285736},{"word":"through","start":963.305,"end":963.805,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18914547562599185},{"word":"a","start":964.01,"end":964.17,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2157696634531021},{"word":"bit","start":964.17,"end":964.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1615958958864212},{"word":"of","start":964.33,"end":964.83,"confidence":0.7685547,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.1594240367412567},{"word":"like","start":964.89,"end":965.13,"confidence":0.8371582,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1419788897037506},{"word":"a","start":965.13,"end":965.29,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16375775635242462},{"word":"record","start":965.29,"end":965.52997,"confidence":0.9770508,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.07334242761135101},{"word":"of","start":965.52997,"end":965.77,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12845808267593384},{"word":"advice","start":965.77,"end":966.17,"confidence":0.99609375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11559706926345824},{"word":"amendment","start":966.17,"end":966.67,"confidence":1.0,"punctuated_word":"amendment","sentiment":"neutral","sentiment_score":0.10195962339639664},{"word":"where","start":966.97,"end":967.13,"confidence":0.56591797,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09653490036725998},{"word":"instead","start":967.13,"end":967.45,"confidence":0.99316406,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.08231428265571594},{"word":"of","start":967.45,"end":967.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06761021912097931},{"word":"altering","start":967.69,"end":968.17,"confidence":0.99609375,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.03645037114620209},{"word":"neos","start":968.17,"end":968.64996,"confidence":0.83154297,"punctuated_word":"Neos,","sentiment":"neutral","sentiment_score":0.10409053415060043},{"word":"we","start":968.64996,"end":968.73,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2337162047624588},{"word":"can","start":968.73,"end":968.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22122856974601743},{"word":"give","start":968.97,"end":969.13,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22254149615764615},{"word":"it","start":969.13,"end":969.29,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2388896495103836},{"word":"a","start":969.29,"end":969.37,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20320409536361697},{"word":"go","start":969.37,"end":969.61,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2048739790916443},{"word":"and","start":969.61,"end":969.77,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23279500007629397},{"word":"see","start":969.77,"end":969.93,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21102455258369449},{"word":"if","start":969.93,"end":970.08997,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24096208810806272},{"word":"we","start":970.08997,"end":970.17,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1978946328163147},{"word":"can","start":970.17,"end":970.41,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1847371906042099},{"word":"apply","start":970.41,"end":970.73,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.17641721665859222},{"word":"through","start":970.73,"end":970.97,"confidence":0.9838867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1451805979013443},{"word":"clearview","start":970.97,"end":971.47,"confidence":0.7976074,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.1908530741930008},{"word":"instead","start":971.61,"end":972.11,"confidence":0.9946289,"punctuated_word":"instead.","sentiment":"neutral","sentiment_score":0.13849270343780518},{"word":"would","start":975.21,"end":975.45,"confidence":0.9970703,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.22473299503326416},{"word":"that","start":975.45,"end":975.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20369407534599304},{"word":"be","start":975.61,"end":975.85,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14245259761810303},{"word":"okay","start":975.85,"end":976.25,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.14332762360572815},{"word":"to","start":976.25,"end":976.33,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09656773507595062},{"word":"look","start":976.33,"end":976.57,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0853099375963211},{"word":"at","start":976.57,"end":977.07,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11671704798936844},{"word":"if","start":977.465,"end":977.545,"confidence":0.9921875,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0013244152069091797},{"word":"you","start":977.545,"end":977.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16066335141658783},{"word":"don't","start":977.625,"end":977.78503,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1531120240688324},{"word":"think","start":977.78503,"end":977.865,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.272505521774292},{"word":"there'd","start":977.865,"end":978.265,"confidence":0.9760742,"punctuated_word":"there'd","sentiment":"neutral","sentiment_score":-0.21194744110107425},{"word":"be","start":978.265,"end":978.425,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17123454809188843},{"word":"any","start":978.425,"end":978.925,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.21683114767074585},{"word":"health","start":979.145,"end":979.465,"confidence":1.0,"punctuated_word":"health","sentiment":"negative","sentiment_score":-0.3538939356803894},{"word":"issues","start":979.465,"end":979.945,"confidence":1.0,"punctuated_word":"issues","sentiment":"negative","sentiment_score":-0.45361849665641785},{"word":"popping","start":979.945,"end":980.445,"confidence":1.0,"punctuated_word":"popping","sentiment":"neutral","sentiment_score":-0.2597697377204895},{"word":"up","start":980.66504,"end":981.16504,"confidence":0.9707031,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.3046585023403168},{"word":"that","start":981.22504,"end":981.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20559297502040863},{"word":"may","start":981.385,"end":981.545,"confidence":0.99609375,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.25048911571502686},{"word":"be","start":981.545,"end":981.625,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1999373733997345},{"word":"a","start":981.625,"end":981.78503,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16572681069374084},{"word":"concern","start":981.78503,"end":982.28503,"confidence":0.9838867,"punctuated_word":"concern.","sentiment":"neutral","sentiment_score":-0.1302383691072464},{"word":"k","start":1003.56,"end":1003.935,"confidence":0.6380615,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.0028362758457660675},{"word":"so","start":1004.095,"end":1004.255,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015963338315486908},{"word":"what","start":1004.255,"end":1004.415,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05779269337654114},{"word":"we'll","start":1004.415,"end":1004.895,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.007649409584701061},{"word":"do","start":1004.895,"end":1005.395,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0023316293954849243},{"word":"is","start":1005.535,"end":1006.035,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.031962551176548004},{"word":"don't","start":1007.135,"end":1007.535,"confidence":0.9038086,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08689628541469574},{"word":"sign","start":1007.535,"end":1008.035,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.1277555525302887},{"word":"that","start":1008.495,"end":1008.65497,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08977530151605606},{"word":"document","start":1008.65497,"end":1009.15497,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.10110150277614594},{"word":"today","start":1009.215,"end":1009.715,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":-0.09988195449113846},{"word":"in","start":1010.095,"end":1010.255,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14826057851314545},{"word":"the","start":1010.255,"end":1010.415,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00013647228479385376},{"word":"pack","start":1010.415,"end":1010.915,"confidence":0.99316406,"punctuated_word":"pack.","sentiment":"neutral","sentiment_score":-0.041903603821992874},{"word":"i'm","start":1010.975,"end":1011.215,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04317478463053703},{"word":"gonna","start":1011.215,"end":1011.535,"confidence":0.9707031,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06152008846402168},{"word":"send","start":1011.535,"end":1011.855,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.04521110653877258},{"word":"through","start":1011.855,"end":1012.015,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04147304594516754},{"word":"an","start":1012.015,"end":1012.255,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06325813382863998},{"word":"amendment","start":1012.255,"end":1012.755,"confidence":1.0,"punctuated_word":"amendment","sentiment":"neutral","sentiment_score":0.056137800216674805},{"word":"by","start":1012.815,"end":1012.975,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.0635288804769516},{"word":"the","start":1012.975,"end":1013.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10048101097345352},{"word":"end","start":1013.135,"end":1013.215,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.09513626992702484},{"word":"of","start":1013.215,"end":1013.375,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.102537140250206},{"word":"the","start":1013.375,"end":1013.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13047689199447632},{"word":"week","start":1013.535,"end":1013.935,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.1101457104086876},{"word":"just","start":1013.935,"end":1014.175,"confidence":0.9658203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16362804174423218},{"word":"with","start":1014.175,"end":1014.335,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1424928903579712},{"word":"the","start":1014.335,"end":1014.495,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1455235332250595},{"word":"clearview","start":1014.495,"end":1014.995,"confidence":0.5966797,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.12751504778862},{"word":"included","start":1015.055,"end":1015.455,"confidence":0.9970703,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.1881179511547089},{"word":"in","start":1015.455,"end":1015.695,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12292682379484177},{"word":"so","start":1015.695,"end":1015.775,"confidence":0.8852539,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17638587951660156},{"word":"you","start":1015.775,"end":1015.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1878158450126648},{"word":"can","start":1015.855,"end":1016.095,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17203021049499512},{"word":"see","start":1016.095,"end":1016.255,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16861429810523987},{"word":"the","start":1016.255,"end":1016.415,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15756097435951233},{"word":"difference","start":1016.415,"end":1016.815,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.15185236930847168},{"word":"that","start":1016.815,"end":1016.975,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27510035037994385},{"word":"that","start":1016.975,"end":1017.135,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.288678377866745},{"word":"makes","start":1017.135,"end":1017.455,"confidence":1.0,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.14921772480010986},{"word":"to","start":1017.455,"end":1017.535,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18464604020118713},{"word":"the","start":1017.535,"end":1017.695,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16559582948684692},{"word":"super","start":1017.695,"end":1018.095,"confidence":0.98535156,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2565608024597168},{"word":"with","start":1018.095,"end":1018.175,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14011405408382416},{"word":"the","start":1018.175,"end":1018.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12595319747924805},{"word":"premiums","start":1018.335,"end":1018.835,"confidence":0.9770508,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.13314951956272125},{"word":"and","start":1019.49,"end":1019.65,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11427837610244752},{"word":"then","start":1019.65,"end":1020.15,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12175899744033812},{"word":"from","start":1020.53,"end":1020.85004,"confidence":0.9892578,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09611743688583374},{"word":"there","start":1020.85004,"end":1021.35004,"confidence":0.9890137,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09564465284347534},{"word":"have","start":1021.81,"end":1022.05,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1099780946969986},{"word":"a","start":1022.05,"end":1022.13,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11245300620794296},{"word":"read","start":1022.13,"end":1022.37,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.07981015741825104},{"word":"through","start":1022.37,"end":1022.87,"confidence":0.8154297,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.08599425852298737},{"word":"sign","start":1023.01,"end":1023.25,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06042178347706795},{"word":"if","start":1023.25,"end":1023.41003,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09791116416454317},{"word":"you're","start":1023.41003,"end":1023.57,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09768550097942352},{"word":"comfortable","start":1023.57,"end":1024.0701,"confidence":0.98583984,"punctuated_word":"comfortable.","sentiment":"neutral","sentiment_score":0.08615851402282715},{"word":"we","start":1024.77,"end":1024.93,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.13658948242664337},{"word":"basically","start":1024.93,"end":1025.43,"confidence":0.9301758,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11769887804985046},{"word":"get","start":1025.49,"end":1025.5701,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15009237825870514},{"word":"you","start":1025.5701,"end":1025.81,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14608943462371826},{"word":"booked","start":1025.81,"end":1026.05,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.16130031645298004},{"word":"in","start":1026.05,"end":1026.45,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14840026199817655},{"word":"for","start":1026.45,"end":1026.95,"confidence":0.9338379,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.15269026160240173},{"word":"like","start":1027.17,"end":1027.41,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1602374166250229},{"word":"a","start":1027.41,"end":1027.5701,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17106550931930542},{"word":"half","start":1027.5701,"end":1027.73,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.13962779939174652},{"word":"an","start":1027.73,"end":1027.97,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16257163882255554},{"word":"hour","start":1027.97,"end":1028.29,"confidence":1.0,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.13765382766723633},{"word":"chat","start":1028.29,"end":1028.53,"confidence":0.9941406,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.18729932606220245},{"word":"to","start":1028.53,"end":1028.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14211586117744446},{"word":"go","start":1028.61,"end":1028.85,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15179094672203064},{"word":"through","start":1028.85,"end":1029.09,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1334245204925537},{"word":"the","start":1029.09,"end":1029.33,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1350058913230896},{"word":"personal","start":1029.33,"end":1029.81,"confidence":0.91845703,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.09069538116455078},{"word":"statement","start":1029.81,"end":1030.21,"confidence":0.9970703,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.11486022174358368},{"word":"for","start":1030.21,"end":1030.37,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08552955836057663},{"word":"the","start":1030.37,"end":1030.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.090974859893322},{"word":"insurer","start":1030.61,"end":1031.11,"confidence":0.9470215,"punctuated_word":"insurer.","sentiment":"neutral","sentiment_score":0.08705511689186096},{"word":"and","start":1031.73,"end":1032.21,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09916749596595764},{"word":"if","start":1032.21,"end":1032.45,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06228106841444969},{"word":"it","start":1032.45,"end":1032.53,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05161035805940628},{"word":"gets","start":1032.53,"end":1032.975,"confidence":0.9980469,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.0006655752658843994},{"word":"accepted","start":1033.135,"end":1033.635,"confidence":0.99902344,"punctuated_word":"accepted,","sentiment":"neutral","sentiment_score":-0.019603896886110302},{"word":"we'll","start":1033.855,"end":1034.095,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.022085679695010185},{"word":"cancel","start":1034.095,"end":1034.495,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.004277840256690979},{"word":"the","start":1034.495,"end":1034.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005311429500579834},{"word":"other","start":1034.655,"end":1034.815,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.027836531400680545},{"word":"one","start":1034.815,"end":1035.315,"confidence":0.99853516,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.011187717318534853},{"word":"if","start":1035.375,"end":1035.615,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.07572699338197708},{"word":"there's","start":1035.615,"end":1035.855,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.032994791865348816},{"word":"any","start":1035.855,"end":1036.1749,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.018787182867527008},{"word":"issues","start":1036.1749,"end":1036.6749,"confidence":0.99902344,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":0.0372316800057888},{"word":"we","start":1036.735,"end":1036.895,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09593771398067474},{"word":"can","start":1036.895,"end":1037.0549,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11401636153459548},{"word":"always","start":1037.0549,"end":1037.375,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1599581390619278},{"word":"just","start":1037.375,"end":1037.535,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.071956105530262},{"word":"switch","start":1037.535,"end":1037.855,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.0615871399641037},{"word":"back","start":1037.855,"end":1038.015,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0715247243642807},{"word":"to","start":1038.015,"end":1038.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10694827139377594},{"word":"altering","start":1038.255,"end":1038.735,"confidence":0.98095703,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.15618222951889038},{"word":"neos","start":1038.735,"end":1039.0549,"confidence":0.8132324,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.13710100948810575},{"word":"as","start":1039.0549,"end":1039.215,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13372743129730225},{"word":"a","start":1039.215,"end":1039.455,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17443129420280457},{"word":"plan","start":1039.455,"end":1039.775,"confidence":0.98828125,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.13622727990150452},{"word":"b","start":1039.775,"end":1040.095,"confidence":0.9892578,"punctuated_word":"b.","sentiment":"neutral","sentiment_score":0.11509843915700912},{"word":"how's","start":1040.095,"end":1040.335,"confidence":0.79248047,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.21302908658981323},{"word":"that","start":1040.335,"end":1040.575,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2646862268447876},{"word":"sound","start":1040.575,"end":1041.075,"confidence":0.9980469,"punctuated_word":"sound?","sentiment":"neutral","sentiment_score":0.19994670152664185},{"word":"correct","start":1066.205,"end":1066.705,"confidence":0.9099121,"punctuated_word":"Correct.","sentiment":"positive","sentiment_score":0.5344460606575012},{"word":"and","start":1066.765,"end":1067.005,"confidence":0.9980469,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.434599906206131},{"word":"and","start":1067.005,"end":1067.165,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4353852868080139},{"word":"that's","start":1067.165,"end":1067.405,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4546620845794678},{"word":"the","start":1067.405,"end":1067.485,"confidence":0.9707031,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39466720819473267},{"word":"thing","start":1067.485,"end":1067.645,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.4198821783065796},{"word":"is","start":1067.645,"end":1067.805,"confidence":0.8964844,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33709314465522766},{"word":"if","start":1067.805,"end":1067.885,"confidence":0.9091797,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4280468225479126},{"word":"we","start":1067.885,"end":1068.045,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.363642156124115},{"word":"can","start":1068.045,"end":1068.285,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.426049292087555},{"word":"keep","start":1068.285,"end":1068.445,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4680536985397339},{"word":"getting","start":1068.445,"end":1068.685,"confidence":0.9404297,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.4881608188152313},{"word":"that","start":1068.685,"end":1068.925,"confidence":0.9921875,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5044907927513123},{"word":"good","start":1068.925,"end":1069.165,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5360782146453857},{"word":"performance","start":1069.165,"end":1069.645,"confidence":0.91064453,"punctuated_word":"performance,","sentiment":"positive","sentiment_score":0.4441587328910827},{"word":"that","start":1069.645,"end":1069.805,"confidence":0.9838867,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4779962599277496},{"word":"11%","start":1069.805,"end":1071.025,"confidence":0.9642741,"punctuated_word":"11%,","sentiment":"positive","sentiment_score":0.4236845374107361},{"word":"and","start":1071.1699,"end":1071.25,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3554686903953552},{"word":"if","start":1071.25,"end":1071.4099,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3924228549003601},{"word":"we","start":1071.4099,"end":1071.49,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3708844184875488},{"word":"can","start":1071.49,"end":1071.65,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4102793037891388},{"word":"trim","start":1071.65,"end":1071.97,"confidence":0.99902344,"punctuated_word":"trim","sentiment":"positive","sentiment_score":0.35484540462493896},{"word":"down","start":1071.97,"end":1072.21,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.3103877007961273},{"word":"the","start":1072.21,"end":1072.2899,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39297574758529663},{"word":"premiums","start":1072.2899,"end":1072.77,"confidence":0.9970703,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.30806654691696167},{"word":"a","start":1072.77,"end":1072.85,"confidence":0.98828125,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3962533473968506},{"word":"couple","start":1072.85,"end":1073.1699,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.33729133009910583},{"word":"of","start":1073.1699,"end":1073.33,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4380935728549957},{"word":"thousand","start":1073.33,"end":1073.83,"confidence":0.9904785,"punctuated_word":"thousand,","sentiment":"positive","sentiment_score":0.41875994205474854},{"word":"that'll","start":1074.13,"end":1074.5299,"confidence":0.984375,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.4795718789100647},{"word":"compound","start":1074.5299,"end":1074.9299,"confidence":0.9980469,"punctuated_word":"compound","sentiment":"positive","sentiment_score":0.5035097599029541},{"word":"really","start":1074.9299,"end":1075.1699,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5439139008522034},{"word":"well","start":1075.1699,"end":1075.4099,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5615394711494446},{"word":"over","start":1075.4099,"end":1075.65,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4697090983390808},{"word":"the","start":1075.65,"end":1075.8099,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4110570251941681},{"word":"next","start":1075.8099,"end":1076.0499,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.32254961133003235},{"word":"five","start":1076.0499,"end":1076.21,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.32185637950897217},{"word":"and","start":1076.21,"end":1076.37,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2657610774040222},{"word":"ten","start":1076.37,"end":1076.69,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.2981817424297333},{"word":"years","start":1076.69,"end":1077.19,"confidence":0.99902344,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.2303411364555359},{"word":"cool","start":1079.97,"end":1080.47,"confidence":0.7734375,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.12908756732940674},{"word":"awesome","start":1083.09,"end":1083.59,"confidence":0.99560547,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.4031791090965271},{"word":"so","start":1083.97,"end":1084.2899,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.126348614692688},{"word":"what","start":1084.2899,"end":1084.5299,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1136714518070221},{"word":"i'll","start":1084.5299,"end":1084.77,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11561140418052672},{"word":"do","start":1084.77,"end":1085.09,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09314954280853271},{"word":"is","start":1085.09,"end":1085.4099,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0482984334230423},{"word":"i'm","start":1085.4099,"end":1085.49,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07670842856168747},{"word":"gonna","start":1085.49,"end":1085.8099,"confidence":0.9892578,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09307901561260223},{"word":"get","start":1085.8099,"end":1086.13,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07951178401708603},{"word":"my","start":1086.13,"end":1086.37,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06541813164949417},{"word":"my","start":1086.37,"end":1086.735,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05809234082698822},{"word":"support","start":1086.815,"end":1087.135,"confidence":1.0,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.07293539494276047},{"word":"team","start":1087.135,"end":1087.295,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.05537102371454239},{"word":"to","start":1087.295,"end":1087.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0673520490527153},{"word":"amend","start":1087.615,"end":1087.855,"confidence":1.0,"punctuated_word":"amend","sentiment":"neutral","sentiment_score":0.08579668402671814},{"word":"the","start":1087.855,"end":1088.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05213551968336105},{"word":"document","start":1088.015,"end":1088.515,"confidence":0.8925781,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.04597840458154678},{"word":"and","start":1088.735,"end":1088.975,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.045580510050058365},{"word":"then","start":1088.975,"end":1089.375,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.055329710245132446},{"word":"as","start":1089.375,"end":1089.615,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06149090826511383},{"word":"soon","start":1089.615,"end":1089.775,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.04968920350074768},{"word":"as","start":1089.775,"end":1089.9349,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07222534716129303},{"word":"we","start":1089.9349,"end":1090.095,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0737045556306839},{"word":"get","start":1090.095,"end":1090.255,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06967555731534958},{"word":"that","start":1090.255,"end":1090.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07255512475967407},{"word":"through","start":1090.415,"end":1090.735,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04639358818531037},{"word":"to","start":1090.735,"end":1090.815,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06530435383319855},{"word":"you","start":1090.815,"end":1090.975,"confidence":0.9995117,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07940305769443512},{"word":"i'll","start":1090.975,"end":1091.215,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06831144541501999},{"word":"send","start":1091.215,"end":1091.375,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.05497092008590698},{"word":"you","start":1091.375,"end":1091.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05878240242600441},{"word":"a","start":1091.615,"end":1091.775,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06365102529525757},{"word":"text","start":1091.775,"end":1092.015,"confidence":1.0,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.0657351166009903},{"word":"message","start":1092.015,"end":1092.515,"confidence":1.0,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.045474372804164886},{"word":"just","start":1092.575,"end":1092.815,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05723120272159576},{"word":"to","start":1092.815,"end":1092.975,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03939423710107803},{"word":"look","start":1092.975,"end":1093.135,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03954555094242096},{"word":"for","start":1093.135,"end":1093.295,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.032629676163196564},{"word":"the","start":1093.295,"end":1093.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04064092040061951},{"word":"email","start":1093.535,"end":1094.035,"confidence":0.84643555,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.033053211867809296},{"word":"and","start":1094.735,"end":1094.975,"confidence":0.73339844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.027749061584472656},{"word":"then","start":1094.975,"end":1095.375,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04314344748854637},{"word":"just","start":1095.375,"end":1095.615,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03764594718813896},{"word":"give","start":1095.615,"end":1095.775,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.02948841266334057},{"word":"us","start":1095.775,"end":1095.9349,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.040160272270441055},{"word":"a","start":1095.9349,"end":1096.015,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.052688151597976685},{"word":"callback","start":1096.015,"end":1096.335,"confidence":0.9951172,"punctuated_word":"callback","sentiment":"neutral","sentiment_score":0.03125819191336632},{"word":"if","start":1096.335,"end":1096.495,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05127784609794617},{"word":"you've","start":1096.495,"end":1096.735,"confidence":0.9970703,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0472135916352272},{"word":"got","start":1096.735,"end":1096.895,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0450919084250927},{"word":"any","start":1096.895,"end":1097.0549,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04036759585142136},{"word":"questions","start":1097.0549,"end":1097.455,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03931758925318718},{"word":"before","start":1097.455,"end":1097.775,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.027292702347040176},{"word":"you","start":1097.775,"end":1098.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04252643883228302},{"word":"sign","start":1098.015,"end":1098.1749,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.01923264190554619},{"word":"it","start":1098.1749,"end":1098.655,"confidence":0.9140625,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.049451328814029694},{"word":"and","start":1098.655,"end":1098.815,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03713976964354515},{"word":"then","start":1098.815,"end":1099.0549,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05394988879561424},{"word":"i'll","start":1099.0549,"end":1099.215,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03203126788139343},{"word":"get","start":1099.215,"end":1099.375,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.030844561755657196},{"word":"you","start":1099.375,"end":1099.59,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026422545313835144},{"word":"booked","start":1099.6699,"end":1099.9099,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.018916981294751167},{"word":"in","start":1099.9099,"end":1100.4099,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010781586170196531},{"word":"for","start":1100.5499,"end":1101.0299,"confidence":0.9951172,"punctuated_word":"for...","sentiment":"neutral","sentiment_score":0.009944307617843153},{"word":"like","start":1101.0299,"end":1101.19,"confidence":0.9921875,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.03638141602277756},{"word":"we","start":1101.19,"end":1101.35,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.049794506281614304},{"word":"can't","start":1101.35,"end":1101.6699,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.03943964093923569},{"word":"book","start":1101.6699,"end":1101.9099,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":-0.03727012872695923},{"word":"you","start":1101.9099,"end":1102.15,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04069057106971741},{"word":"in","start":1102.15,"end":1102.3099,"confidence":0.5883789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.055273547768592834},{"word":"for","start":1102.3099,"end":1102.47,"confidence":0.54541016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05414701998233795},{"word":"the","start":1102.47,"end":1102.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03936827927827835},{"word":"application","start":1102.63,"end":1103.13,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.004163211211562157},{"word":"until","start":1103.19,"end":1103.51,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.07925285398960114},{"word":"we","start":1103.51,"end":1103.6699,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.016857344657182693},{"word":"have","start":1103.6699,"end":1103.9099,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04452282935380936},{"word":"the","start":1103.9099,"end":1104.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012164779007434843},{"word":"quote","start":1104.15,"end":1104.5499,"confidence":0.99902344,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.0015140213072299955},{"word":"back","start":1104.5499,"end":1104.7899,"confidence":0.9941406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.01947701908648014},{"word":"signed","start":1104.7899,"end":1105.11,"confidence":0.9641113,"punctuated_word":"signed.","sentiment":"neutral","sentiment_score":-0.029902106150984764},{"word":"that's","start":1105.11,"end":1105.35,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03523947298526764},{"word":"all","start":1105.35,"end":1105.85,"confidence":0.92163086,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.04082918539643288},{"word":"cool","start":1108.95,"end":1109.45,"confidence":0.97265625,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.19552111625671387},{"word":"any","start":1109.83,"end":1110.07,"confidence":0.8574219,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.08064877241849899},{"word":"questions","start":1110.07,"end":1110.39,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06887880712747574},{"word":"at","start":1110.39,"end":1110.5499,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03758731111884117},{"word":"this","start":1110.5499,"end":1110.71,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06608140468597412},{"word":"point","start":1110.71,"end":1111.21,"confidence":0.9995117,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.0668121799826622},{"word":"amazing","start":1114.5499,"end":1115.0499,"confidence":0.9995117,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.35604262351989746},{"word":"so","start":1115.11,"end":1115.565,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22841504216194153},{"word":"i'll","start":1115.6449,"end":1115.8849,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.25455304980278015},{"word":"get","start":1115.8849,"end":1115.965,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28396445512771606},{"word":"that","start":1115.965,"end":1116.0449,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3021962642669678},{"word":"through","start":1116.0449,"end":1116.445,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1879962533712387},{"word":"to","start":1116.445,"end":1116.5249,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20081794261932373},{"word":"you","start":1116.5249,"end":1116.7649,"confidence":0.7668457,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18588440120220184},{"word":"hopefully","start":1116.7649,"end":1117.1649,"confidence":0.9436035,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.11395388841629028},{"word":"friday","start":1117.1649,"end":1117.485,"confidence":0.98291016,"punctuated_word":"Friday,","sentiment":"neutral","sentiment_score":0.1281367540359497},{"word":"monday","start":1117.485,"end":1117.725,"confidence":1.0,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.12309452891349792},{"word":"at","start":1117.725,"end":1117.8849,"confidence":0.9404297,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1299026608467102},{"word":"the","start":1117.8849,"end":1117.965,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12252842634916306},{"word":"latest","start":1117.965,"end":1118.465,"confidence":0.95751953,"punctuated_word":"latest,","sentiment":"neutral","sentiment_score":0.11890599131584167},{"word":"we'll","start":1119.0049,"end":1119.245,"confidence":0.96850586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1337100863456726},{"word":"just","start":1119.245,"end":1119.485,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11796791851520538},{"word":"go","start":1119.485,"end":1119.8049,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10671959817409515},{"word":"through","start":1119.8049,"end":1120.3049,"confidence":0.8984375,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.10184372216463088},{"word":"and","start":1120.365,"end":1120.7649,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08569277822971344},{"word":"once","start":1120.7649,"end":1121.085,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.0653417557477951},{"word":"that","start":1121.085,"end":1121.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09195613861083984},{"word":"comes","start":1121.245,"end":1121.565,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.07895281910896301},{"word":"back","start":1121.565,"end":1121.725,"confidence":0.99902344,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.09692040085792542},{"word":"we'll","start":1121.725,"end":1121.965,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1346500664949417},{"word":"rebalance","start":1121.965,"end":1122.465,"confidence":0.99902344,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.13814857602119446},{"word":"the","start":1122.5249,"end":1122.6849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12241122126579285},{"word":"portfolio","start":1122.6849,"end":1123.1649,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08920516818761826},{"word":"and","start":1123.1649,"end":1123.325,"confidence":0.6586914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13914424180984497},{"word":"the","start":1123.325,"end":1123.485,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15767352283000946},{"word":"soup","start":1123.485,"end":1123.8849,"confidence":0.7241211,"punctuated_word":"soup","sentiment":"neutral","sentiment_score":0.13242647051811218},{"word":"keep","start":1123.965,"end":1124.125,"confidence":0.90527344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1729554533958435},{"word":"it","start":1124.125,"end":1124.205,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2250860780477524},{"word":"about","start":1124.205,"end":1124.5249,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1905933618545532},{"word":"the","start":1124.5249,"end":1124.6849,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1864517033100128},{"word":"same","start":1124.6849,"end":1125.1849,"confidence":0.83984375,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.20065569877624512},{"word":"and","start":1125.245,"end":1125.485,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16682758927345276},{"word":"then","start":1125.485,"end":1125.6449,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16639120876789093},{"word":"we'll","start":1125.6449,"end":1125.965,"confidence":0.99853516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1289823055267334},{"word":"give","start":1125.965,"end":1126.365,"confidence":0.99609375,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12619802355766296},{"word":"clearview","start":1126.365,"end":1126.865,"confidence":0.79174805,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.11255566775798798},{"word":"a","start":1126.9249,"end":1127.0049,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11510620266199112},{"word":"go","start":1127.0049,"end":1127.5049,"confidence":0.984375,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.13049718737602234},{"word":"and","start":1127.965,"end":1128.36,"confidence":0.9550781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08995351195335388},{"word":"they","start":1128.52,"end":1128.76,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06580919027328491},{"word":"come","start":1128.76,"end":1128.84,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.055855169892311096},{"word":"back","start":1128.84,"end":1129.24,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06921173632144928},{"word":"with","start":1129.24,"end":1129.5599,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.037309132516384125},{"word":"any","start":1129.5599,"end":1129.7999,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04437481611967087},{"word":"issues","start":1129.7999,"end":1130.2,"confidence":0.99853516,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":0.03052189201116562},{"word":"then","start":1130.2,"end":1130.44,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0560603030025959},{"word":"we'll","start":1130.44,"end":1130.6799,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.05254749581217766},{"word":"just","start":1130.6799,"end":1130.84,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0612809918820858},{"word":"pivot","start":1130.84,"end":1131.16,"confidence":0.9863281,"punctuated_word":"pivot","sentiment":"neutral","sentiment_score":0.06876522302627563},{"word":"back","start":1131.16,"end":1131.4,"confidence":0.99609375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06127091869711876},{"word":"to","start":1131.4,"end":1131.48,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045705582946538925},{"word":"neos","start":1131.48,"end":1131.88,"confidence":0.9108887,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.05027816444635391},{"word":"instead","start":1131.88,"end":1132.38,"confidence":0.9926758,"punctuated_word":"instead.","sentiment":"neutral","sentiment_score":0.0658787190914154},{"word":"amazing","start":1134.36,"end":1134.84,"confidence":0.99853516,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.361156165599823},{"word":"and","start":1134.84,"end":1135.08,"confidence":0.8935547,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.25585514307022095},{"word":"again","start":1135.08,"end":1135.32,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.3009318709373474},{"word":"we","start":1135.32,"end":1135.48,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27058514952659607},{"word":"won't","start":1135.48,"end":1135.72,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.1850244402885437},{"word":"cancel","start":1135.72,"end":1136.04,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":0.03752694278955459},{"word":"anything","start":1136.04,"end":1136.36,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12831753492355347},{"word":"until","start":1136.36,"end":1136.6799,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.14116588234901428},{"word":"it's","start":1136.6799,"end":1136.84,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20896737277507785},{"word":"in","start":1136.84,"end":1137.0,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2007059156894684},{"word":"place","start":1137.0,"end":1137.48,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.25609371066093445},{"word":"just","start":1137.48,"end":1137.64,"confidence":0.8354492,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27704036235809326},{"word":"to","start":1137.64,"end":1137.7999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2310253381729126},{"word":"make","start":1137.7999,"end":1137.96,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24445173144340515},{"word":"sure","start":1137.96,"end":1138.12,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2637615501880646},{"word":"you're","start":1138.12,"end":1138.28,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23118045926094055},{"word":"not","start":1138.28,"end":1138.52,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2025577574968338},{"word":"left","start":1138.52,"end":1138.76,"confidence":0.99902344,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.18523076176643372},{"word":"out","start":1138.76,"end":1139.26,"confidence":0.91064453,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.17175252735614777},{"word":"amazing","start":1142.12,"end":1142.6,"confidence":0.93408203,"punctuated_word":"Amazing,","sentiment":"positive","sentiment_score":0.4091194272041321},{"word":"irina","start":1142.6,"end":1143.0,"confidence":0.8487956,"punctuated_word":"Irina.","sentiment":"positive","sentiment_score":0.43537208437919617},{"word":"look","start":1143.0,"end":1143.16,"confidence":0.87768555,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.30650264024734497},{"word":"thank","start":1143.16,"end":1143.32,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.40563851594924927},{"word":"you","start":1143.32,"end":1143.48,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4294238984584808},{"word":"so","start":1143.48,"end":1143.64,"confidence":0.9902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4349984228610992},{"word":"much","start":1143.64,"end":1143.915,"confidence":0.97509766,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4391965866088867},{"word":"for","start":1143.915,"end":1144.0751,"confidence":0.90283203,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4842839539051056},{"word":"calling","start":1144.0751,"end":1144.155,"confidence":0.98828125,"punctuated_word":"calling","sentiment":"positive","sentiment_score":0.4205063283443451},{"word":"me","start":1144.155,"end":1144.3151,"confidence":0.79541016,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4032924771308899},{"word":"back","start":1144.3151,"end":1144.395,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4542684555053711},{"word":"today","start":1144.395,"end":1144.895,"confidence":1.0,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.4671791195869446},{"word":"is","start":1145.035,"end":1145.1951,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1561894416809082},{"word":"there","start":1145.1951,"end":1145.435,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12019222974777222},{"word":"any","start":1145.435,"end":1145.5951,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11219531297683716},{"word":"questions","start":1145.5951,"end":1145.915,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.12311914563179016},{"word":"you","start":1145.915,"end":1146.0751,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.098385751247406},{"word":"have","start":1146.0751,"end":1146.235,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09502185881137848},{"word":"before","start":1146.235,"end":1146.555,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.10887917131185532},{"word":"i","start":1146.555,"end":1146.7151,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1309148669242859},{"word":"let","start":1146.7151,"end":1146.875,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.157744899392128},{"word":"you","start":1146.875,"end":1146.9551,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.160172238945961},{"word":"go","start":1146.9551,"end":1147.4551,"confidence":1.0,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.14213716983795166},{"word":"amazing","start":1155.115,"end":1155.615,"confidence":0.9995117,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.18018296360969543},{"word":"i","start":1156.235,"end":1156.395,"confidence":0.6879883,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07233134657144547},{"word":"will","start":1156.395,"end":1156.895,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0719163566827774},{"word":"leave","start":1157.675,"end":1157.995,"confidence":0.92822266,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.10714895278215408},{"word":"those","start":1157.995,"end":1158.3151,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12329462170600893},{"word":"two","start":1158.3151,"end":1158.555,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0613352432847023},{"word":"documents","start":1158.555,"end":1159.055,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.0983923077583313},{"word":"in","start":1159.14,"end":1159.38,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08890415728092194},{"word":"the","start":1159.38,"end":1159.54,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09837102890014648},{"word":"work","start":1159.54,"end":1159.7001,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.10552480816841124},{"word":"email","start":1159.7001,"end":1160.1,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1259913146495819},{"word":"for","start":1160.1,"end":1160.26,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0966913178563118},{"word":"you","start":1160.26,"end":1160.42,"confidence":0.8444824,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1064923256635666},{"word":"but","start":1160.42,"end":1160.58,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1055879294872284},{"word":"the","start":1160.58,"end":1160.66,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04233171045780182},{"word":"one","start":1160.66,"end":1160.8201,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04367540776729584},{"word":"that","start":1160.8201,"end":1160.98,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04021497070789337},{"word":"i","start":1160.98,"end":1161.14,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03905140981078148},{"word":"sent","start":1161.14,"end":1161.38,"confidence":0.99902344,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.045632071793079376},{"word":"to","start":1161.38,"end":1161.46,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03069879114627838},{"word":"your","start":1161.46,"end":1161.62,"confidence":0.8173828,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06115037947893143},{"word":"personal","start":1161.62,"end":1161.9401,"confidence":0.99902344,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.05133340507745743},{"word":"one","start":1161.9401,"end":1162.18,"confidence":0.99560547,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.058702513575553894},{"word":"i'm","start":1162.18,"end":1162.34,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05219407007098198},{"word":"just","start":1162.34,"end":1162.5,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04576431214809418},{"word":"gonna","start":1162.5,"end":1162.8201,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0309058241546154},{"word":"cancel","start":1162.8201,"end":1163.22,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":0.016346462070941925},{"word":"that","start":1163.22,"end":1163.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0512421652674675},{"word":"just","start":1164.18,"end":1164.42,"confidence":0.8745117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.005694352090358734},{"word":"until","start":1164.42,"end":1164.66,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.01073058694601059},{"word":"i","start":1164.66,"end":1164.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039116065949201584},{"word":"get","start":1164.74,"end":1164.98,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07259245216846466},{"word":"it","start":1164.98,"end":1165.14,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10963454097509384},{"word":"amended","start":1165.14,"end":1165.54,"confidence":1.0,"punctuated_word":"amended","sentiment":"neutral","sentiment_score":0.10580126196146011},{"word":"for","start":1165.54,"end":1165.78,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.114821657538414},{"word":"you","start":1165.78,"end":1166.28,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05331709235906601},{"word":"amazing","start":1168.66,"end":1169.16,"confidence":0.9980469,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.8359158039093018},{"word":"you","start":1169.46,"end":1169.78,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.855207085609436},{"word":"have","start":1169.78,"end":1170.1,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.845929741859436},{"word":"a","start":1170.1,"end":1170.34,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.82761549949646},{"word":"fantastic","start":1170.34,"end":1170.84,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8892104029655457},{"word":"week","start":1171.06,"end":1171.54,"confidence":0.9863281,"punctuated_word":"week,","sentiment":"positive","sentiment_score":0.8201256990432739},{"word":"and","start":1171.54,"end":1171.86,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8424762487411499},{"word":"i","start":1171.86,"end":1172.02,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.811587929725647},{"word":"shall","start":1172.02,"end":1172.34,"confidence":1.0,"punctuated_word":"shall","sentiment":"positive","sentiment_score":0.8717687726020813},{"word":"hopefully","start":1172.34,"end":1172.84,"confidence":0.9667969,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.844997763633728},{"word":"talk","start":1173.075,"end":1173.475,"confidence":0.8720703,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.8163827061653137},{"word":"to","start":1173.475,"end":1173.5549,"confidence":0.8125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8158581852912903},{"word":"you","start":1173.5549,"end":1173.7949,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7181745767593384},{"word":"friday","start":1173.7949,"end":1174.2749,"confidence":0.8022461,"punctuated_word":"Friday,","sentiment":"positive","sentiment_score":0.544270396232605},{"word":"monday","start":1174.2749,"end":1174.7749,"confidence":0.99902344,"punctuated_word":"Monday.","sentiment":"positive","sentiment_score":0.6884434223175049},{"word":"no","start":1179.235,"end":1179.475,"confidence":0.9980469,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.5162856578826904},{"word":"worries","start":1179.475,"end":1179.715,"confidence":1.0,"punctuated_word":"worries","sentiment":"positive","sentiment_score":0.47520560026168823},{"word":"at","start":1179.715,"end":1179.875,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5757132768630981},{"word":"all","start":1179.875,"end":1180.0349,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.6111293435096741},{"word":"have","start":1180.0349,"end":1180.1549,"confidence":1.0,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6476606130599976},{"word":"a","start":1180.1549,"end":1180.2749,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.684396505355835},{"word":"lovely","start":1180.2749,"end":1180.6749,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8216321468353271},{"word":"day","start":1180.6749,"end":1181.1749,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7624860405921936},{"word":"thank","start":1182.755,"end":1183.075,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6240209937095642},{"word":"you","start":1183.075,"end":1183.3949,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6324605941772461},{"word":"bye","start":1183.3949,"end":1183.8949,"confidence":0.9975586,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11280076950788498}],"paragraphs":{"transcript":"\nGood afternoon, Rubino. It's Tommy here, senior adviser. Thank you for calling back in. That's no worries at all. I had a little bit of time between now and my next appointment on the hour, so I thought why not have a quick chat now if you do have five, ten minutes for me?\n\nPerfect. So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell. Yep. So I'll get that through to you just so you have it so you can have some time to read through it. And I'm just gonna send it through to the Gmail if that's still your your main email address.\n\nNow up to you. I can kind of run you through the cliff notes of what we're doing and and a few key details if you don't have too much time now, or we can walk through the the document in-depth together. What would you prefer? No worries at all. So if you can have a quick look at the email there, I just wanna kind of pull you to the key points before I have to jet set for a little bit.\n\nAnd there was really a couple of little tweaks that we made from our last discussion that I wanna run by you as well. Now you should see it... I believe it'll go through your main inbox because we've used the system before, the new system. And if you can go into the email Yep. Yeah.\n\nSo when you hit that, it'll open up. There's about seven documents inside there, but we just wanna scroll through the first one together. K. You should be able to see, like, a beachfront city Gold Coast picture on the front of the the first document there. Oh, yes.\n\nThere's so many pages on... When you add all the documents together, it can take a minute to load. Yep. Fluctuates every now and then. Yeah.\n\nNow just while you're doing that, do you want me to just run through, I guess, the the sort of scope that we were covering? So the main thing was the sort of increase in the life and disability insurance to kind of match the mortgage and just trimming down the income protection because it was a bit over insured if that rings a bell. I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet. And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change. After the last change.\n\nYeah. Yeah. That's a really good one because the power of attorney is if you're... Like, let's say you're in hospital and you can't act on your own behalf, it means someone can, you know, access the bank accounts, talk to the doctors, whereas the will handles the passing of the assets. I know the Australia Post has some...\n\nYeah. Like, you know how sometimes people could spend thousands of dollars on a will at the... With a solicitor? Well, Australia Post has government approved, like, power of attorney kits for, like, $25 a pop. So just to get something in place, it's nice to have those.\n\nK. Yeah. So there's three options. You've got solicitors in the area. We do have some lawyers that do kind of accounted online wills that we can send you through a pack for, and there's also the post office will kits, which are pretty basic as well.\n\nI think the online ones might be somewhere between maybe 4 600 from memory, just depending on the complexity. Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile? Perfect. And how are you going with the old style link over there? There?\n\nPerfect. So if you can keep scrolling down for me, you'll see a scope of advice heading, which was again just focusing on the super and the insurance at this point. Yep. And then if you go past there, you'll see estate planning. And then what we're not covering in this document on the page after, which is cash flow and debt management.\n\nLike, we're not giving you advice around, you know, your budget for the mortgage and things like that at this point. That's something that you're handling personally, but we can always help with budget spreadsheets and and helping you get a handle on things that way as well. Now the main thing I wanted to kind of go down to if you can, can you see on the bottom of the pages the page numbers there? Yep. Now the digital system, it also has page numbers at the top right.\n\nSo what I'm sort of saying is when you're on page five on the document, it'll say you're on page six in the system. I'm not sure if you can see both of those just so you can get a ease of navigating. Ten eleven. And what can you see on those pages? Yes.\n\nAnd then on the 11, you'll see the risk profile being high growth. Perfect. So if you wanna keep scrolling down for me, two more pages, you'll see strategy recommendations. And can you see the bottom half of that page? There's a blue table there showing the Neos, what it is currently versus what we're recommending.\n\nYep. Correct. And then if you go if you go down on that column, you'll see 343000 for the life benefit, 343,000 for the TPD, which is disability, and then income protection underneath that, 6,219 a month worth of cover. Now on the right hand side, if we were to match it to 75 percent of your income, the income protection would drop down to $556.02 per month, and the life and TPD, we were gonna bump up to around $4.85 to cover the mortgage. Now what that does, one trim down, one bump up, it probably costs an extra $300 per year for the extra 150,000 of life and disability insurance.\n\nThat's what we're looking at figures wise. K. So not too much of a jump there for that bump up to protect the mortgage. There was an alternative I did wanna run by you. So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote.\n\nThe other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year. The only thing that we we didn't check at the time was what kind of health change have you had since June 2020. Now if there's no health changes at all, then it would be pretty easy to switch to another provider. Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude Yeah. Yeah.\n\nSo what tends to happen is if we go through with the other providers, are you able to see on there the buttons on the document? There's... I'm hoping that there's, like, a little arrows at the top of that digital system where you can maybe switch switch to the documents. Oh, yep. Actually, what I could do...\n\nDo you want me to email through, like, a PDF to the work email? That way, it's a bit easier to view so it's not within the digital system. Perfect. So I'm just going to say statement of advice and appendix. So I just wanna show you the research appendix.\n\nPlease see attached. Can you let me know what the email address is, please? Alright. And I'm good to go. Yep.\n\nYep. Alright. And so that's n for Nelly, d for delta, dot e d u dot a u? Perfect. And then what I'm gonna do is I'm just gonna attach these two documents there.\n\nJust bear with me for one moment. And statement of advice and appendix. I'll swing those on. And I'm hoping, because it's the first time that I've emailed this email address from mine, that it won't take too long to come through. And hopefully, without all those supplementary attachments, it's a little bit faster than when you attach another 2,000 pages along with it of product documents.\n\nAlright. So that has sent through now, and it might be in the junk folder or main inbox. Alright. Now has the email come through at all? Or...\n\nSo is sometimes it's like a ten, fifteen minutes later kinda thing. It's never fun. And I'll just double check. So first name dot last name@ndat.edu.au? Yep.\n\nN d dot e d u dot a u. Perfect. Now that's what we wanna look at. It's just the appendix is a bit more like a a mountainous forest range. Can you see that one there?\n\nSorry. If we go down eight pages to the eight page. Yep. You... What you'll see around the bottom half of that is all of the insurer logos.\n\nBlue and green and red and purple and... Can you see those there with the different scores and prices? So... Yep. So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom?\n\nAnd if you go all the way across, it has a score of 81. Now what that means is that that's kind of all the small print and the fine print under the hood. You want a really good feature score. You... Essentially, with these insurances, you want more features, more fine print because it means more options, more things to claim on.\n\nNow what the alternative is is if you look at the red one AIA and the kind of blue one above that Clearview, they're both pretty well in line with that same feature score in terms of quality, but they're a lot lower price. So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead. Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern. K. So what we'll do is don't sign that document today in the pack.\n\nI'm gonna send through an amendment by the end of the week just with the Clearview included in so you can see the difference that that makes to the super with the premiums. And then from there, have a read through, sign if you're comfortable. We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer. And if it gets accepted, we'll cancel the other one. If there's any issues, we can always just switch back to altering Neos as a plan b.\n\nHow's that sound? Correct. And and that's the thing is if we can keep getting that good performance, that 11%, and if we can trim down the premiums a couple of thousand, that'll compound really well over the next five and ten years. Cool. Awesome.\n\nSo what I'll do is I'm gonna get my my support team to amend the document. And then as soon as we get that through to you, I'll send you a text message just to look for the email. And then just give us a callback if you've got any questions before you sign it, and then I'll get you booked in for... Like, we can't book you in for the application until we have the quote back signed. That's all.\n\nCool. Any questions at this point? Amazing. So I'll get that through to you. Hopefully, Friday, Monday at the latest, we'll just go through.\n\nAnd once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go. And they come back with any issues, then we'll just pivot back to Neos instead. Amazing. And, again, we won't cancel anything until it's in place just to make sure you're not left out. Amazing, Irina.\n\nLook. Thank you so much for calling me back today. Is there any questions you have before I let you go? Amazing. I will leave those two documents in the work email for you, but the one that I sent to your personal one, I'm just gonna cancel that just until I get it amended for you.\n\nAmazing. You have a fantastic week, and I shall hopefully talk to you Friday, Monday. No worries at all. Have a lovely day. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Rubino.","start":1.8399999,"end":3.04,"sentiment":"positive","sentiment_score":0.4476773142814636},{"text":"It's Tommy here, senior adviser.","start":3.04,"end":4.4,"sentiment":"positive","sentiment_score":0.3434431254863739},{"text":"Thank you for calling back in.","start":4.4,"end":5.7799997,"sentiment":"positive","sentiment_score":0.6629308958848318},{"text":"That's no worries at all.","start":11.12,"end":12.4,"sentiment":"neutral","sentiment_score":0.3046840399503708},{"text":"I had a little bit of time between now and my next appointment on the hour, so I thought why not have a quick chat now if you do have five, ten minutes for me?","start":12.4,"end":20.415,"sentiment":"neutral","sentiment_score":0.12910038509539196}],"sentiment":"neutral","sentiment_score":0.24221790043844116,"num_words":54,"start":1.8399999,"end":20.415},{"sentences":[{"text":"Perfect.","start":22.235,"end":22.635,"sentiment":"positive","sentiment_score":0.5999425649642944},{"text":"So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell.","start":22.635,"end":32.63,"sentiment":"neutral","sentiment_score":0.28995100734755397},{"text":"Yep.","start":34.45,"end":34.85,"sentiment":"neutral","sentiment_score":0.2233578860759735},{"text":"So I'll get that through to you just so you have it so you can have some time to read through it.","start":34.85,"end":39.03,"sentiment":"neutral","sentiment_score":0.2888397899540988},{"text":"And I'm just gonna send it through to the Gmail if that's still your your main email address.","start":39.97,"end":45.255,"sentiment":"neutral","sentiment_score":0.14980210488041243}],"sentiment":"neutral","sentiment_score":0.2588195399053999,"num_words":74,"start":22.235,"end":45.255},{"sentences":[{"text":"Now up to you.","start":55.795002,"end":57.530003,"sentiment":"neutral","sentiment_score":0.14588352665305138},{"text":"I can kind of run you through the cliff notes of what we're doing and and a few key details if you don't have too much time now, or we can walk through the the document in-depth together.","start":57.530003,"end":67.29,"sentiment":"neutral","sentiment_score":0.14581317385952725},{"text":"What would you prefer?","start":67.29,"end":68.35,"sentiment":"neutral","sentiment_score":0.031111744232475758},{"text":"No worries at all.","start":83.03,"end":83.99,"sentiment":"neutral","sentiment_score":0.08493755012750626},{"text":"So if you can have a quick look at the email there, I just wanna kind of pull you to the key points before I have to jet set for a little bit.","start":83.99,"end":91.53,"sentiment":"neutral","sentiment_score":0.1732938594438813}],"sentiment":"neutral","sentiment_score":0.14828107532966567,"num_words":83,"start":55.795002,"end":91.53},{"sentences":[{"text":"And there was really a couple of little tweaks that we made from our last discussion that I wanna run by you as well.","start":91.67,"end":99.494995,"sentiment":"neutral","sentiment_score":0.18113069981336594},{"text":"Now you should see it...","start":101.555,"end":103.075,"sentiment":"neutral","sentiment_score":0.10227747857570649},{"text":"I believe it'll go through your main inbox because we've used the system before, the new system.","start":103.075,"end":108.215,"sentiment":"neutral","sentiment_score":0.09338307249195435},{"text":"And if you can go into the email Yep.","start":108.515,"end":112.74,"sentiment":"neutral","sentiment_score":0.05234889065225919},{"text":"Yeah.","start":114.96,"end":115.28,"sentiment":"neutral","sentiment_score":0.05327045917510986}],"sentiment":"neutral","sentiment_score":0.1244722659965711,"num_words":56,"start":91.67,"end":115.28},{"sentences":[{"text":"So when you hit that, it'll open up.","start":115.28,"end":116.96,"sentiment":"neutral","sentiment_score":0.05174736957997084},{"text":"There's about seven documents inside there, but we just wanna scroll through the first one together.","start":116.96,"end":121.700005,"sentiment":"neutral","sentiment_score":0.05950046342331916},{"text":"K.","start":123.76,"end":124.155,"sentiment":"neutral","sentiment_score":0.08215320110321045},{"text":"You should be able to see, like, a beachfront city Gold Coast picture on the front of the the first document there.","start":124.235,"end":130.655,"sentiment":"neutral","sentiment_score":0.23849065940488468},{"text":"Oh, yes.","start":136.155,"end":136.71,"sentiment":"neutral","sentiment_score":0.02961524110287428}],"sentiment":"neutral","sentiment_score":0.13784009309447542,"num_words":49,"start":115.28,"end":136.71},{"sentences":[{"text":"There's so many pages on...","start":136.79001,"end":138.31001,"sentiment":"neutral","sentiment_score":0.0008509773062542081},{"text":"When you add all the documents together, it can take a minute to load.","start":138.31001,"end":141.45001,"sentiment":"neutral","sentiment_score":-0.005859200044402054},{"text":"Yep.","start":153.315,"end":153.815,"sentiment":"neutral","sentiment_score":0.13336557149887085},{"text":"Fluctuates every now and then.","start":155.475,"end":157.255,"sentiment":"neutral","sentiment_score":0.054220229387283325},{"text":"Yeah.","start":169.73999,"end":170.23999,"sentiment":"neutral","sentiment_score":0.07813642919063568}],"sentiment":"neutral","sentiment_score":0.015570355135983286,"num_words":26,"start":136.79001,"end":170.23999},{"sentences":[{"text":"Now just while you're doing that, do you want me to just run through, I guess, the the sort of scope that we were covering?","start":171.02,"end":177.2,"sentiment":"neutral","sentiment_score":0.033891158550977706},{"text":"So the main thing was the sort of increase in the life and disability insurance to kind of match the mortgage and just trimming down the income protection because it was a bit over insured if that rings a bell.","start":180.94,"end":194.295,"sentiment":"neutral","sentiment_score":0.16025066953152417},{"text":"I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet.","start":198.87001,"end":208.09001,"sentiment":"neutral","sentiment_score":0.05416484192634622},{"text":"And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change.","start":208.47,"end":214.01001,"sentiment":"neutral","sentiment_score":-0.03414235751216228},{"text":"After the last change.","start":214.855,"end":216.795,"sentiment":"neutral","sentiment_score":-0.041913908906280994}],"sentiment":"neutral","sentiment_score":0.062228115446126185,"num_words":131,"start":171.02,"end":216.795},{"sentences":[{"text":"Yeah.","start":230.12,"end":230.62,"sentiment":"neutral","sentiment_score":0.02342831715941429},{"text":"Yeah.","start":241.16,"end":241.66,"sentiment":"neutral","sentiment_score":0.08433645963668823},{"text":"That's a really good one because the power of attorney is if you're...","start":241.925,"end":245.365,"sentiment":"neutral","sentiment_score":0.1645405043203097},{"text":"Like, let's say you're in hospital and you can't act on your own behalf, it means someone can, you know, access the bank accounts, talk to the doctors, whereas the will handles the passing of the assets.","start":245.365,"end":258.58,"sentiment":"neutral","sentiment_score":0.016659792210604693},{"text":"I know the Australia Post has some...","start":259.6,"end":262.1,"sentiment":"neutral","sentiment_score":0.04204312179769788}],"sentiment":"neutral","sentiment_score":0.05351704232773538,"num_words":59,"start":230.12,"end":262.1},{"sentences":[{"text":"Yeah.","start":262.48,"end":262.88,"sentiment":"neutral","sentiment_score":-0.005784208420664072},{"text":"Like, you know how sometimes people could spend thousands of dollars on a will at the...","start":262.88,"end":267.04,"sentiment":"neutral","sentiment_score":0.0022706991876475513},{"text":"With a solicitor?","start":267.04,"end":267.86,"sentiment":"neutral","sentiment_score":0.010687052272260189},{"text":"Well, Australia Post has government approved, like, power of attorney kits for, like, $25 a pop.","start":269.73502,"end":275.515,"sentiment":"neutral","sentiment_score":0.09577683452516794},{"text":"So just to get something in place, it's nice to have those.","start":275.575,"end":279.595,"sentiment":"positive","sentiment_score":0.38591669251521427}],"sentiment":"neutral","sentiment_score":0.12970912079132782,"num_words":48,"start":262.48,"end":279.595},{"sentences":[{"text":"K.","start":283.26,"end":283.76,"sentiment":"neutral","sentiment_score":0.029684418812394146},{"text":"Yeah.","start":297.18002,"end":297.42,"sentiment":"neutral","sentiment_score":0.06693786382675171},{"text":"So there's three options.","start":297.42,"end":298.64,"sentiment":"neutral","sentiment_score":0.0666239894926548},{"text":"You've got solicitors in the area.","start":299.105,"end":302.885,"sentiment":"neutral","sentiment_score":0.10140694429477055},{"text":"We do have some lawyers that do kind of accounted online wills that we can send you through a pack for, and there's also the post office will kits, which are pretty basic as well.","start":303.345,"end":314.77,"sentiment":"neutral","sentiment_score":0.10952176111085074}],"sentiment":"neutral","sentiment_score":0.10223024564379073,"num_words":47,"start":283.26,"end":314.77},{"sentences":[{"text":"I think the online ones might be somewhere between maybe 4 600 from memory, just depending on the complexity.","start":314.77,"end":322.78998,"sentiment":"neutral","sentiment_score":0.028518312561668847},{"text":"Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile?","start":326.565,"end":331.625,"sentiment":"neutral","sentiment_score":0.06916148900985718},{"text":"Perfect.","start":335.685,"end":336.185,"sentiment":"positive","sentiment_score":0.4417310953140259},{"text":"And how are you going with the old style link over there?","start":336.645,"end":338.91,"sentiment":"neutral","sentiment_score":0.16138788250585398},{"text":"There?","start":350.83002,"end":351.23,"sentiment":"neutral","sentiment_score":0.11218781024217606}],"sentiment":"neutral","sentiment_score":0.08209411481973426,"num_words":58,"start":314.77,"end":351.23},{"sentences":[{"text":"Perfect.","start":351.23,"end":351.63,"sentiment":"neutral","sentiment_score":0.30441930890083313},{"text":"So if you can keep scrolling down for me, you'll see a scope of advice heading, which was again just focusing on the super and the insurance at this point.","start":351.63,"end":359.095,"sentiment":"neutral","sentiment_score":0.1278155008951823},{"text":"Yep.","start":364.195,"end":364.515,"sentiment":"neutral","sentiment_score":0.08155979961156845},{"text":"And then if you go past there, you'll see estate planning.","start":364.515,"end":367.17502,"sentiment":"neutral","sentiment_score":0.049959075044501915},{"text":"And then what we're not covering in this document on the page after, which is cash flow and debt management.","start":367.23502,"end":373.77,"sentiment":"neutral","sentiment_score":0.00005341842770576477}],"sentiment":"neutral","sentiment_score":0.07573114808589693,"num_words":63,"start":351.23,"end":373.77},{"sentences":[{"text":"Like, we're not giving you advice around, you know, your budget for the mortgage and things like that at this point.","start":373.77,"end":378.66998,"sentiment":"neutral","sentiment_score":-0.02386290207505226},{"text":"That's something that you're handling personally, but we can always help with budget spreadsheets and and helping you get a handle on things that way as well.","start":379.53,"end":388.195,"sentiment":"neutral","sentiment_score":0.20377112566320985},{"text":"Now the main thing I wanted to kind of go down to if you can, can you see on the bottom of the pages the page numbers there?","start":392.01498,"end":399.28,"sentiment":"neutral","sentiment_score":0.07274153515962618},{"text":"Yep.","start":403.74002,"end":404.24002,"sentiment":"neutral","sentiment_score":0.0583900511264801},{"text":"Now the digital system, it also has page numbers at the top right.","start":404.30002,"end":408.705,"sentiment":"neutral","sentiment_score":0.04185784522157449}],"sentiment":"neutral","sentiment_score":0.084888938586745,"num_words":90,"start":373.77,"end":408.705},{"sentences":[{"text":"So what I'm sort of saying is when you're on page five on the document, it'll say you're on page six in the system.","start":408.94498,"end":414.625,"sentiment":"neutral","sentiment_score":0.025525389045166474},{"text":"I'm not sure if you can see both of those just so you can get a ease of navigating.","start":414.625,"end":418.965,"sentiment":"neutral","sentiment_score":-0.02629929780960083},{"text":"Ten eleven.","start":422.705,"end":423.525,"sentiment":"neutral","sentiment_score":0.012943329755216837},{"text":"And what can you see on those pages?","start":423.72,"end":425.58,"sentiment":"neutral","sentiment_score":0.006138498079963028},{"text":"Yes.","start":436.12,"end":436.36,"sentiment":"neutral","sentiment_score":0.07545728981494904}],"sentiment":"neutral","sentiment_score":0.004877307641975305,"num_words":54,"start":408.94498,"end":436.36},{"sentences":[{"text":"And then on the 11, you'll see the risk profile being high growth.","start":436.36,"end":440.355,"sentiment":"neutral","sentiment_score":0.04081146820233418},{"text":"Perfect.","start":442.415,"end":442.815,"sentiment":"positive","sentiment_score":0.6881415843963623},{"text":"So if you wanna keep scrolling down for me, two more pages, you'll see strategy recommendations.","start":442.815,"end":447.475,"sentiment":"neutral","sentiment_score":0.28592795692384243},{"text":"And can you see the bottom half of that page?","start":450.17502,"end":452.73502,"sentiment":"neutral","sentiment_score":0.029227049089968204},{"text":"There's a blue table there showing the Neos, what it is currently versus what we're recommending.","start":452.73502,"end":458.25,"sentiment":"neutral","sentiment_score":0.006145588820800185}],"sentiment":"neutral","sentiment_score":0.11043103381858341,"num_words":56,"start":436.36,"end":458.25},{"sentences":[{"text":"Yep.","start":467.83002,"end":468.045,"sentiment":"neutral","sentiment_score":0.09462394565343855},{"text":"Correct.","start":477.325,"end":477.725,"sentiment":"neutral","sentiment_score":0.10419626533985138},{"text":"And then if you go if you go down on that column, you'll see 343000 for the life benefit, 343,000 for the TPD, which is disability, and then income protection underneath that, 6,219 a month worth of cover.","start":477.725,"end":495.55,"sentiment":"neutral","sentiment_score":0.03205456114129016},{"text":"Now on the right hand side, if we were to match it to 75 percent of your income, the income protection would drop down to $556.02 per month, and the life and TPD, we were gonna bump up to around $4.85 to cover the mortgage.","start":497.985,"end":516.58,"sentiment":"neutral","sentiment_score":-0.05072791443930732},{"text":"Now what that does, one trim down, one bump up, it probably costs an extra $300 per year for the extra 150,000 of life and disability insurance.","start":519.52,"end":531.45496,"sentiment":"neutral","sentiment_score":-0.18087565071052975}],"sentiment":"neutral","sentiment_score":-0.05133486771956086,"num_words":112,"start":467.83002,"end":531.45496},{"sentences":[{"text":"That's what we're looking at figures wise.","start":531.51495,"end":533.535,"sentiment":"neutral","sentiment_score":-0.12206933860267911},{"text":"K.","start":535.675,"end":535.995,"sentiment":"neutral","sentiment_score":0.01648668572306633},{"text":"So not too much of a jump there for that bump up to protect the mortgage.","start":535.995,"end":539.69495,"sentiment":"neutral","sentiment_score":-0.0967499096877873},{"text":"There was an alternative I did wanna run by you.","start":540.32,"end":542.98,"sentiment":"neutral","sentiment_score":0.029967167973518373},{"text":"So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote.","start":543.60004,"end":554.5,"sentiment":"neutral","sentiment_score":0.029675472753517555}],"sentiment":"neutral","sentiment_score":-0.01652290983431375,"num_words":67,"start":531.51495,"end":554.5},{"sentences":[{"text":"The other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year.","start":556.165,"end":569.69,"sentiment":"neutral","sentiment_score":0.18661150051390424},{"text":"The only thing that we we didn't check at the time was what kind of health change have you had since June 2020.","start":572.07,"end":581.2101,"sentiment":"neutral","sentiment_score":-0.08263110628594524},{"text":"Now if there's no health changes at all, then it would be pretty easy to switch to another provider.","start":584.645,"end":590.585,"sentiment":"neutral","sentiment_score":0.11655375714364805},{"text":"Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude Yeah.","start":590.72504,"end":606.52997,"sentiment":"neutral","sentiment_score":-0.17107040909203616},{"text":"Yeah.","start":606.58997,"end":607.08997,"sentiment":"neutral","sentiment_score":-0.07130137830972672}],"sentiment":"neutral","sentiment_score":0.028524712932230245,"num_words":99,"start":556.165,"end":607.08997},{"sentences":[{"text":"So what tends to happen is if we go through with the other providers, are you able to see on there the buttons on the document?","start":607.31,"end":616.15497,"sentiment":"neutral","sentiment_score":-0.05172863853378938},{"text":"There's...","start":617.415,"end":617.915,"sentiment":"neutral","sentiment_score":-0.02985374629497528},{"text":"I'm hoping that there's, like, a little arrows at the top of that digital system where you can maybe switch switch to the documents.","start":618.935,"end":626.955,"sentiment":"neutral","sentiment_score":0.003272725036367774},{"text":"Oh, yep.","start":640.8,"end":641.415,"sentiment":"neutral","sentiment_score":-0.06038714572787285},{"text":"Actually, what I could do...","start":655.32,"end":656.94,"sentiment":"neutral","sentiment_score":-0.0007813822478055954}],"sentiment":"neutral","sentiment_score":-0.0244988646550939,"num_words":58,"start":607.31,"end":656.94},{"sentences":[{"text":"Do you want me to email through, like, a PDF to the work email?","start":657.08,"end":661.82,"sentiment":"neutral","sentiment_score":0.008743009396961756},{"text":"That way, it's a bit easier to view so it's not within the digital system.","start":662.12,"end":665.74,"sentiment":"neutral","sentiment_score":0.0344194965204224},{"text":"Perfect.","start":669.16003,"end":669.66003,"sentiment":"positive","sentiment_score":0.5274121165275574},{"text":"So I'm just going to say statement of advice and appendix.","start":669.72003,"end":676.325,"sentiment":"neutral","sentiment_score":0.24453165043484082},{"text":"So I just wanna show you the research appendix.","start":676.325,"end":678.505,"sentiment":"neutral","sentiment_score":0.2025359935230679}],"sentiment":"neutral","sentiment_score":0.11357557584764436,"num_words":50,"start":657.08,"end":678.505},{"sentences":[{"text":"Please see attached.","start":679.365,"end":680.425,"sentiment":"neutral","sentiment_score":0.11745952318112056},{"text":"Can you let me know what the email address is, please?","start":682.485,"end":689.05,"sentiment":"neutral","sentiment_score":0.08144021237438376},{"text":"Alright.","start":689.99,"end":690.39,"sentiment":"neutral","sentiment_score":0.15832608938217163},{"text":"And I'm good to go.","start":690.39,"end":691.69,"sentiment":"neutral","sentiment_score":0.24478655755519868},{"text":"Yep.","start":698.23,"end":698.505,"sentiment":"neutral","sentiment_score":0.07894600927829742}],"sentiment":"neutral","sentiment_score":0.12902027581419265,"num_words":21,"start":679.365,"end":698.505},{"sentences":[{"text":"Yep.","start":701.385,"end":701.885,"sentiment":"neutral","sentiment_score":0.046372734010219574},{"text":"Alright.","start":707.865,"end":708.185,"sentiment":"neutral","sentiment_score":0.01705014333128929},{"text":"And so that's n for Nelly, d for delta, dot e d u dot a u?","start":708.185,"end":713.01,"sentiment":"neutral","sentiment_score":0.03251581313088536},{"text":"Perfect.","start":715.97003,"end":716.47003,"sentiment":"positive","sentiment_score":0.7344125509262085},{"text":"And then what I'm gonna do is I'm just gonna attach these two documents there.","start":718.77,"end":722.23,"sentiment":"neutral","sentiment_score":0.3006028791268667}],"sentiment":"neutral","sentiment_score":0.17138622427249656,"num_words":34,"start":701.385,"end":722.23},{"sentences":[{"text":"Just bear with me for one moment.","start":722.93,"end":724.71,"sentiment":"neutral","sentiment_score":0.09082324483564921},{"text":"And statement of advice and appendix.","start":731.98505,"end":735.84503,"sentiment":"neutral","sentiment_score":0.13945796837409338},{"text":"I'll swing those on.","start":737.585,"end":738.69,"sentiment":"neutral","sentiment_score":0.20869510620832443},{"text":"And I'm hoping, because it's the first time that I've emailed this email address from mine, that it won't take too long to come through.","start":738.77,"end":745.75,"sentiment":"neutral","sentiment_score":0.2638267934322357},{"text":"And hopefully, without all those supplementary attachments, it's a little bit faster than when you attach another 2,000 pages along with it of product documents.","start":750.93,"end":758.445,"sentiment":"neutral","sentiment_score":0.2904121488332748}],"sentiment":"neutral","sentiment_score":0.24124275381440546,"num_words":67,"start":722.93,"end":758.445},{"sentences":[{"text":"Alright.","start":764.82495,"end":765.305,"sentiment":"neutral","sentiment_score":0.10158684849739076},{"text":"So that has sent through now, and it might be in the junk folder or main inbox.","start":765.305,"end":770.605,"sentiment":"neutral","sentiment_score":0.014144161990021957},{"text":"Alright.","start":828.37,"end":828.77,"sentiment":"neutral","sentiment_score":0.06968390196561813},{"text":"Now has the email come through at all?","start":828.77,"end":831.17004,"sentiment":"neutral","sentiment_score":0.029356663580983877},{"text":"Or...","start":831.17004,"end":831.67004,"sentiment":"neutral","sentiment_score":-0.008084596134722233}],"sentiment":"neutral","sentiment_score":0.022803222028804675,"num_words":28,"start":764.82495,"end":831.67004},{"sentences":[{"text":"So is sometimes it's like a ten, fifteen minutes later kinda thing.","start":835.97003,"end":839.33496,"sentiment":"negative","sentiment_score":-0.3832453712821007},{"text":"It's never fun.","start":839.33496,"end":840.315,"sentiment":"negative","sentiment_score":-0.5544026295344034},{"text":"And I'll just double check.","start":849.65497,"end":850.89,"sentiment":"neutral","sentiment_score":-0.04710138067603111},{"text":"So first name dot last name@ndat.edu.au?","start":850.97003,"end":857.07,"sentiment":"neutral","sentiment_score":-0.013679814680169025},{"text":"Yep.","start":862.97003,"end":863.47003,"sentiment":"neutral","sentiment_score":0.03313717246055603}],"sentiment":"neutral","sentiment_score":-0.2424667023329271,"num_words":27,"start":835.97003,"end":863.47003},{"sentences":[{"text":"N d dot e d u dot a u.","start":863.85004,"end":866.055,"sentiment":"neutral","sentiment_score":0.010837019421160221},{"text":"Perfect.","start":870.77496,"end":871.27496,"sentiment":"positive","sentiment_score":0.33723998069763184},{"text":"Now that's what we wanna look at.","start":871.495,"end":874.535,"sentiment":"neutral","sentiment_score":0.07554046171052116},{"text":"It's just the appendix is a bit more like a a mountainous forest range.","start":874.535,"end":879.21,"sentiment":"neutral","sentiment_score":0.017945486653063978},{"text":"Can you see that one there?","start":881.93,"end":883.39,"sentiment":"neutral","sentiment_score":0.015281045343726873}],"sentiment":"neutral","sentiment_score":0.035310256018026454,"num_words":37,"start":863.85004,"end":883.39},{"sentences":[{"text":"Sorry.","start":887.93,"end":888.25,"sentiment":"neutral","sentiment_score":-0.03855741769075394},{"text":"If we go down eight pages to the eight page.","start":888.25,"end":892.43,"sentiment":"neutral","sentiment_score":-0.019883030373603106},{"text":"Yep.","start":892.73004,"end":893.13,"sentiment":"neutral","sentiment_score":0.010230621322989464},{"text":"You...","start":893.13,"end":893.37,"sentiment":"neutral","sentiment_score":0.0016287779435515404},{"text":"What you'll see around the bottom half of that is all of the insurer logos.","start":893.37,"end":898.365,"sentiment":"neutral","sentiment_score":0.0036331507532546916}],"sentiment":"neutral","sentiment_score":-0.006108252173622272,"num_words":28,"start":887.93,"end":898.365},{"sentences":[{"text":"Blue and green and red and purple and...","start":898.985,"end":901.325,"sentiment":"neutral","sentiment_score":0.009550270158797503},{"text":"Can you see those there with the different scores and prices?","start":903.225,"end":906.045,"sentiment":"neutral","sentiment_score":0.02211472171951424},{"text":"So...","start":908.37994,"end":908.87994,"sentiment":"neutral","sentiment_score":0.01691817119717598},{"text":"Yep.","start":910.06,"end":910.45996,"sentiment":"neutral","sentiment_score":0.0020069614984095097},{"text":"So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom?","start":910.45996,"end":918.56,"sentiment":"neutral","sentiment_score":0.08104034128288427}],"sentiment":"neutral","sentiment_score":0.054309793556218636,"num_words":51,"start":898.985,"end":918.56},{"sentences":[{"text":"And if you go all the way across, it has a score of 81.","start":918.69995,"end":922.03503,"sentiment":"neutral","sentiment_score":0.08603834680148534},{"text":"Now what that means is that that's kind of all the small print and the fine print under the hood.","start":925.455,"end":931.055,"sentiment":"neutral","sentiment_score":0.31159428358078},{"text":"You want a really good feature score.","start":931.055,"end":932.655,"sentiment":"positive","sentiment_score":0.6182176215308053},{"text":"You...","start":932.655,"end":933.055,"sentiment":"positive","sentiment_score":0.34360191226005554},{"text":"Essentially, with these insurances, you want more features, more fine print because it means more options, more things to claim on.","start":933.055,"end":939.58,"sentiment":"positive","sentiment_score":0.42067172555696397}],"sentiment":"neutral","sentiment_score":0.33240720676997354,"num_words":63,"start":918.69995,"end":939.58},{"sentences":[{"text":"Now what the alternative is is if you look at the red one AIA and the kind of blue one above that Clearview, they're both pretty well in line with that same feature score in terms of quality, but they're a lot lower price.","start":942.44,"end":955.96497,"sentiment":"neutral","sentiment_score":0.21636730872771956},{"text":"So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead.","start":959.145,"end":972.11,"sentiment":"neutral","sentiment_score":0.1807927993494411},{"text":"Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern.","start":975.21,"end":982.28503,"sentiment":"neutral","sentiment_score":-0.10852577926024147},{"text":"K.","start":1003.56,"end":1003.935,"sentiment":"neutral","sentiment_score":0.0028362758457660675},{"text":"So what we'll do is don't sign that document today in the pack.","start":1004.095,"end":1010.915,"sentiment":"neutral","sentiment_score":-0.062395225279033184}],"sentiment":"neutral","sentiment_score":0.1128214304861162,"num_words":124,"start":942.44,"end":1010.915},{"sentences":[{"text":"I'm gonna send through an amendment by the end of the week just with the Clearview included in so you can see the difference that that makes to the super with the premiums.","start":1010.975,"end":1018.835,"sentiment":"neutral","sentiment_score":0.13747153408599622},{"text":"And then from there, have a read through, sign if you're comfortable.","start":1019.49,"end":1024.0701,"sentiment":"neutral","sentiment_score":0.0965176618968447},{"text":"We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer.","start":1024.77,"end":1031.11,"sentiment":"neutral","sentiment_score":0.13648949495770715},{"text":"And if it gets accepted, we'll cancel the other one.","start":1031.73,"end":1035.315,"sentiment":"neutral","sentiment_score":0.020059105567634107},{"text":"If there's any issues, we can always just switch back to altering Neos as a plan b.","start":1035.375,"end":1040.095,"sentiment":"neutral","sentiment_score":0.09996686985387522}],"sentiment":"neutral","sentiment_score":0.11274009893469988,"num_words":94,"start":1010.975,"end":1040.095},{"sentences":[{"text":"How's that sound?","start":1040.095,"end":1041.075,"sentiment":"neutral","sentiment_score":0.22588733832041422},{"text":"Correct.","start":1066.205,"end":1066.705,"sentiment":"positive","sentiment_score":0.5344460606575012},{"text":"And and that's the thing is if we can keep getting that good performance, that 11%, and if we can trim down the premiums a couple of thousand, that'll compound really well over the next five and ten years.","start":1066.765,"end":1077.19,"sentiment":"positive","sentiment_score":0.4084710532274002},{"text":"Cool.","start":1079.97,"end":1080.47,"sentiment":"neutral","sentiment_score":0.12908756732940674},{"text":"Awesome.","start":1083.09,"end":1083.59,"sentiment":"positive","sentiment_score":0.4031791090965271}],"sentiment":"positive","sentiment_score":0.3927721295091841,"num_words":45,"start":1040.095,"end":1083.59},{"sentences":[{"text":"So what I'll do is I'm gonna get my my support team to amend the document.","start":1083.97,"end":1088.515,"sentiment":"neutral","sentiment_score":0.07809113897383213},{"text":"And then as soon as we get that through to you, I'll send you a text message just to look for the email.","start":1088.735,"end":1094.035,"sentiment":"neutral","sentiment_score":0.056120521672393966},{"text":"And then just give us a callback if you've got any questions before you sign it, and then I'll get you booked in for...","start":1094.735,"end":1101.0299,"sentiment":"neutral","sentiment_score":0.035164001514203846},{"text":"Like, we can't book you in for the application until we have the quote back signed.","start":1101.0299,"end":1105.11,"sentiment":"neutral","sentiment_score":-0.03482445201370865},{"text":"That's all.","start":1105.11,"end":1105.85,"sentiment":"neutral","sentiment_score":0.03803432919085026}],"sentiment":"neutral","sentiment_score":0.03584004548826703,"num_words":81,"start":1083.97,"end":1105.85},{"sentences":[{"text":"Cool.","start":1108.95,"end":1109.45,"sentiment":"neutral","sentiment_score":0.19552111625671387},{"text":"Any questions at this point?","start":1109.83,"end":1111.21,"sentiment":"neutral","sentiment_score":0.06400169506669044},{"text":"Amazing.","start":1114.5499,"end":1115.0499,"sentiment":"positive","sentiment_score":0.35604262351989746},{"text":"So I'll get that through to you.","start":1115.11,"end":1116.7649,"sentiment":"neutral","sentiment_score":0.23483248693602427},{"text":"Hopefully, Friday, Monday at the latest, we'll just go through.","start":1116.7649,"end":1120.3049,"sentiment":"neutral","sentiment_score":0.1196763575077057}],"sentiment":"neutral","sentiment_score":0.15467346661413708,"num_words":24,"start":1108.95,"end":1120.3049},{"sentences":[{"text":"And once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go.","start":1120.365,"end":1127.5049,"sentiment":"neutral","sentiment_score":0.13561765166620413},{"text":"And they come back with any issues, then we'll just pivot back to Neos instead.","start":1127.965,"end":1132.38,"sentiment":"neutral","sentiment_score":0.05698818986614545},{"text":"Amazing.","start":1134.36,"end":1134.84,"sentiment":"positive","sentiment_score":0.361156165599823},{"text":"And, again, we won't cancel anything until it's in place just to make sure you're not left out.","start":1134.84,"end":1139.26,"sentiment":"neutral","sentiment_score":0.21067635839184126},{"text":"Amazing, Irina.","start":1142.12,"end":1143.0,"sentiment":"positive","sentiment_score":0.4222457557916641}],"sentiment":"neutral","sentiment_score":0.15179114360362292,"num_words":60,"start":1120.365,"end":1143.0},{"sentences":[{"text":"Look.","start":1143.0,"end":1143.16,"sentiment":"neutral","sentiment_score":0.30650264024734497},{"text":"Thank you so much for calling me back today.","start":1143.16,"end":1144.895,"sentiment":"positive","sentiment_score":0.4376430842611525},{"text":"Is there any questions you have before I let you go?","start":1145.035,"end":1147.4551,"sentiment":"neutral","sentiment_score":0.12772291695529764},{"text":"Amazing.","start":1155.115,"end":1155.615,"sentiment":"neutral","sentiment_score":0.18018296360969543},{"text":"I will leave those two documents in the work email for you, but the one that I sent to your personal one, I'm just gonna cancel that just until I get it amended for you.","start":1156.235,"end":1166.28,"sentiment":"neutral","sentiment_score":0.06714523817811693}],"sentiment":"neutral","sentiment_score":0.14351769798157507,"num_words":57,"start":1143.0,"end":1166.28},{"sentences":[{"text":"Amazing.","start":1168.66,"end":1169.16,"sentiment":"positive","sentiment_score":0.8359158039093018},{"text":"You have a fantastic week, and I shall hopefully talk to you Friday, Monday.","start":1169.46,"end":1174.7749,"sentiment":"positive","sentiment_score":0.799432030745915},{"text":"No worries at all.","start":1179.235,"end":1180.0349,"sentiment":"positive","sentiment_score":0.5445834696292877},{"text":"Have a lovely day.","start":1180.0349,"end":1181.1749,"sentiment":"positive","sentiment_score":0.7290438264608383},{"text":"Thank you.","start":1182.755,"end":1183.3949,"sentiment":"positive","sentiment_score":0.6282407939434052}],"sentiment":"positive","sentiment_score":0.735158200263977,"num_words":25,"start":1168.66,"end":1183.3949},{"sentences":[{"text":"Bye.","start":1183.3949,"end":1183.8949,"sentiment":"neutral","sentiment_score":-0.11280076950788498}],"sentiment":"neutral","sentiment_score":-0.11280076950788498,"num_words":1,"start":1183.3949,"end":1183.8949}]}}]},{"alternatives":[{"transcript":"Yeah. No worries. Yeah. Sorry. I missed your call. Yes. For sure. Yep. Okay. Yeah. Yeah. No worries. No. Either either. I've got time. I'm working from home, but, you know, I've got my son who likes to interrupt, but he's busy at the moment. So so it should be fine. Okay. Yep. I've got it, but it just says signed document. Do I open that? Okay. Mhmm. Oh, nice. Yeah. Just taking a bit of time. And... It's pretty funny because I've got Starlink, but then sometime it works faster on my data, my phone data. Yeah. So I'm just... Yeah. Which one is faster? Maybe I should go over to Wi Fi and try that. See if that goes faster. Yeah. Sure. Okay. Yeah. Yeah. I guess with the will side of things, I'm kind of... Yeah. I would like to do a will or, you know, power of attorney. Like, which one is, you know, like, I don't know the difference. Okay. Mhmm. So it's probably worthwhile having Mhmm. Yes. Mhmm. Yep. Yep. Yep. Okay. I'll just... Yeah. I'll try to do that. Alright. That's fine. And with the will, is that something I can do through you guys, or is that separate again with post office? Okay. Yeah. Yes, please. Yeah. Like, I've opened it. So I'm at the first place to document Best interest, Judy. Five. Considered. Okay. Mhmm. Yep. Yeah. I'm on five ten and eleven. So so back to 10. So 10, I can see your current risk protection. Yes. Yes. Oh, yeah. Yeah. Yeah. Okay. So there's Nios Life PPD and IPE, and that's 3 40 2. Okay. Mhmm. Okay. Yeah. Okay. Yeah. Yeah. Not not... Nothing that I know of. No health thing. Just aging. Yes. Okay. No. That says decline... Design. I'm actually just on my phone, so I don't know what... Yeah. Hang on. I can probably forward this email to my work if I'm on... Give me a moment if you've got time. Is that alright? Or... Yep. Yeah. Yes, please. Yeah. Mhmm. Oh, so name, lowercase, u w e I n n a dot mythirn, a l b e r t, @n,dasinknockitdown,.edu.au. Yes. Yeah. Mhmm. Okay. Yes. No. Let me do it again. Oh, hang on. It's updating. Oh, Oh, no. Maybe you're back in the junk. Let me check a look. @nd.edu.au. Yes. Oh, here we go. Yep. Got it. Appendix. So appendix and then... Okay. Yep. Yeah. Just a moment. So I'm in... The payday? Okay. Yeah. Yes. Yes. Summary report. Okay. Yep. Mhmm. Yep. Yep. I see. Yeah. That's... I mean, that's fine. Yeah. We could probably do that. Why not? Yeah. That should be fine. Yeah. I'll think about it because... Yeah. I mean, I think... Yeah. But that's you guys' advice kind of thing. It saves a bit a a few 100 here and there. And, I mean, the performance indicated is pretty good. Okay. Yeah. Yeah. No. I'm fine. That's... Yeah. Give that a crack. Yes. Terrific. Yes. No. That's fine. Yeah. Mhmm. Yeah. Perfect. Yeah. Okay. Perfect. Oh, no. That's fine. Thank you. I will just have a read and get... Be fine. Yep. Yep. Okay. No worries. Okay. Perfect. Okay. Thank you, Tommy. You too. K. Bye.","confidence":0.9616699,"words":[{"word":"yeah","start":6.64,"end":7.04,"confidence":0.97753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23908746242523193},{"word":"no","start":7.04,"end":7.2799997,"confidence":0.99609375,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1815119981765747},{"word":"worries","start":7.2799997,"end":7.7799997,"confidence":0.99853516,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.18562977015972135},{"word":"yeah","start":8.559999,"end":8.88,"confidence":0.84936523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17283783853054047},{"word":"sorry","start":8.88,"end":9.2,"confidence":0.78759766,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.13496890664100647},{"word":"i","start":9.2,"end":9.28,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0872320756316185},{"word":"missed","start":9.28,"end":9.5199995,"confidence":0.99902344,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":0.013173580169677734},{"word":"your","start":9.5199995,"end":9.679999,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12614138424396515},{"word":"call","start":9.679999,"end":10.179999,"confidence":1.0,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.10843874514102936},{"word":"yes","start":20.415,"end":20.735,"confidence":0.9680176,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1595013290643692},{"word":"for","start":20.735,"end":20.975,"confidence":0.99609375,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.1735209822654724},{"word":"sure","start":20.975,"end":21.375,"confidence":1.0,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.22060526907444},{"word":"yep","start":21.375,"end":21.875,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3621128797531128},{"word":"okay","start":33.23,"end":33.63,"confidence":0.9797363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17200526595115662},{"word":"yeah","start":33.63,"end":34.13,"confidence":0.8054199,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19209742546081543},{"word":"yeah","start":45.265,"end":45.504997,"confidence":0.845459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10946635901927948},{"word":"no","start":45.504997,"end":45.745,"confidence":0.9941406,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1202063411474228},{"word":"worries","start":45.745,"end":46.245,"confidence":0.9897461,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.11745044589042664},{"word":"no","start":70.105,"end":70.605,"confidence":0.94799805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06518223881721497},{"word":"either","start":70.665,"end":70.905,"confidence":0.97265625,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":-0.04148141294717789},{"word":"either","start":70.905,"end":71.225,"confidence":0.5734863,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.07600192725658417},{"word":"i've","start":71.225,"end":71.545,"confidence":0.9782715,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04682285711169243},{"word":"got","start":71.545,"end":71.945,"confidence":0.8935547,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03997299075126648},{"word":"time","start":71.945,"end":72.345,"confidence":0.99316406,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.03335856273770332},{"word":"i'm","start":72.345,"end":72.745,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.002400058088824153},{"word":"working","start":72.745,"end":73.145004,"confidence":0.9980469,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.008017390966415405},{"word":"from","start":73.145004,"end":73.385,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.01000148057937622},{"word":"home","start":73.385,"end":73.705,"confidence":0.8425293,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.007446937263011932},{"word":"but","start":73.705,"end":74.205,"confidence":0.95214844,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.014573823660612106},{"word":"you","start":74.665,"end":74.905,"confidence":0.7470703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025462590157985687},{"word":"know","start":74.905,"end":75.145004,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04760026186704635},{"word":"i've","start":75.145004,"end":75.225,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.015125739388167858},{"word":"got","start":75.225,"end":75.465004,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.008369944989681244},{"word":"my","start":75.465004,"end":75.705,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.00410819798707962},{"word":"son","start":75.705,"end":76.205,"confidence":0.99902344,"punctuated_word":"son","sentiment":"neutral","sentiment_score":0.009372688829898834},{"word":"who","start":76.825005,"end":77.325005,"confidence":0.9291992,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.01100749522447586},{"word":"likes","start":77.625,"end":78.105,"confidence":0.9165039,"punctuated_word":"likes","sentiment":"neutral","sentiment_score":-0.0071303024888038635},{"word":"to","start":78.105,"end":78.265,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.030238129198551175},{"word":"interrupt","start":78.265,"end":78.665,"confidence":0.94555664,"punctuated_word":"interrupt,","sentiment":"neutral","sentiment_score":-0.012996833771467209},{"word":"but","start":78.665,"end":78.905,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.012801028788089752},{"word":"he's","start":78.905,"end":79.225,"confidence":0.99316406,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.06743855774402618},{"word":"busy","start":79.225,"end":79.545,"confidence":0.99902344,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.046703584492206573},{"word":"at","start":79.545,"end":79.785,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08800097554922104},{"word":"the","start":79.785,"end":79.865005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08506849408149719},{"word":"moment","start":79.865005,"end":80.265,"confidence":0.8671875,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.09621895849704742},{"word":"so","start":80.265,"end":80.765,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10220205783843994},{"word":"so","start":81.065,"end":81.305,"confidence":0.9633789,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1404120922088623},{"word":"it","start":81.305,"end":81.545,"confidence":0.7211914,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14715838432312012},{"word":"should","start":81.545,"end":81.785,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.23940333724021912},{"word":"be","start":81.785,"end":81.945,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15902429819107056},{"word":"fine","start":81.945,"end":82.41,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10295408964157104},{"word":"okay","start":102.435,"end":102.935,"confidence":0.8535156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07917296141386032},{"word":"yep","start":109.72,"end":110.22,"confidence":0.86621094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04903402552008629},{"word":"i've","start":110.439995,"end":110.6,"confidence":0.7397461,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04789627343416214},{"word":"got","start":110.6,"end":110.84,"confidence":0.9819336,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04949210584163666},{"word":"it","start":110.84,"end":111.34,"confidence":0.7561035,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04137210175395012},{"word":"but","start":111.64,"end":111.88,"confidence":0.97509766,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02843622863292694},{"word":"it","start":111.88,"end":112.119995,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026500098407268524},{"word":"just","start":112.119995,"end":112.36,"confidence":0.8613281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0312003493309021},{"word":"says","start":112.36,"end":112.68,"confidence":0.9892578,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.020573902875185013},{"word":"signed","start":112.68,"end":113.0,"confidence":0.5341797,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.0271364226937294},{"word":"document","start":113.0,"end":113.479996,"confidence":0.9890137,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.021131044253706932},{"word":"do","start":113.479996,"end":113.64,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.017549442127346992},{"word":"i","start":113.64,"end":113.799995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021275576204061508},{"word":"open","start":113.799995,"end":114.119995,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.02095590904355049},{"word":"that","start":114.119995,"end":114.619995,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.027842683717608452},{"word":"okay","start":116.36,"end":116.86,"confidence":0.90625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05824144557118416},{"word":"mhmm","start":122.6,"end":123.1,"confidence":0.89990234,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.050753381103277206},{"word":"oh","start":131.315,"end":131.475,"confidence":0.7026367,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.6072099804878235},{"word":"nice","start":131.475,"end":131.975,"confidence":0.96875,"punctuated_word":"nice.","sentiment":"positive","sentiment_score":0.4985159635543823},{"word":"yeah","start":132.755,"end":133.235,"confidence":0.73291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17414627969264984},{"word":"just","start":133.235,"end":133.715,"confidence":0.58496094,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.09293338656425476},{"word":"taking","start":133.715,"end":134.215,"confidence":0.97998047,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.095861554145813},{"word":"a","start":134.355,"end":134.435,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06394999474287033},{"word":"bit","start":134.435,"end":134.755,"confidence":0.9194336,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.012673340737819672},{"word":"of","start":134.755,"end":134.91501,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011632032692432404},{"word":"time","start":134.91501,"end":135.41501,"confidence":0.9562988,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.05384348705410957},{"word":"and","start":142.87,"end":143.37,"confidence":0.30004883,"punctuated_word":"And...","sentiment":"neutral","sentiment_score":0.0033145369961857796},{"word":"it's","start":143.67,"end":143.83,"confidence":0.63342285,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.051103562116622925},{"word":"pretty","start":143.83,"end":144.15,"confidence":0.9301758,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.07910056412220001},{"word":"funny","start":144.15,"end":144.55,"confidence":0.99902344,"punctuated_word":"funny","sentiment":"neutral","sentiment_score":0.05022728443145752},{"word":"because","start":144.55,"end":144.95,"confidence":0.9375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11101513355970384},{"word":"i've","start":144.95,"end":145.11,"confidence":0.9902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1603635847568512},{"word":"got","start":145.11,"end":145.61,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1493813544511795},{"word":"starlink","start":147.11,"end":147.59,"confidence":0.6110026,"punctuated_word":"Starlink,","sentiment":"neutral","sentiment_score":0.13801950216293335},{"word":"but","start":147.59,"end":147.83,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14839328825473783},{"word":"then","start":147.83,"end":148.31,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1482202559709549},{"word":"sometime","start":148.31,"end":148.79001,"confidence":0.4724121,"punctuated_word":"sometime","sentiment":"neutral","sentiment_score":0.2134441435337067},{"word":"it","start":148.79001,"end":148.95,"confidence":0.90722656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22919291257858276},{"word":"works","start":148.95,"end":149.45,"confidence":0.8491211,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.2119462490081787},{"word":"faster","start":149.83,"end":150.33,"confidence":0.97998047,"punctuated_word":"faster","sentiment":"neutral","sentiment_score":0.1461077183485031},{"word":"on","start":150.39,"end":150.63,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22753681242465973},{"word":"my","start":150.63,"end":151.11,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13269397616386414},{"word":"data","start":151.11,"end":151.61,"confidence":0.861084,"punctuated_word":"data,","sentiment":"neutral","sentiment_score":0.1265125870704651},{"word":"my","start":151.91501,"end":152.155,"confidence":0.98828125,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1160777285695076},{"word":"phone","start":152.155,"end":152.475,"confidence":0.9921875,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.09024937450885771},{"word":"data","start":152.475,"end":152.975,"confidence":0.70410156,"punctuated_word":"data.","sentiment":"neutral","sentiment_score":0.09403814375400545},{"word":"yeah","start":154.71501,"end":154.955,"confidence":0.75756836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1004445254802704},{"word":"so","start":154.955,"end":155.115,"confidence":0.9482422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09947029501199722},{"word":"i'm","start":155.115,"end":155.27501,"confidence":0.986084,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08682158589363098},{"word":"just","start":155.27501,"end":155.77501,"confidence":1.0,"punctuated_word":"just...","sentiment":"neutral","sentiment_score":0.03160753846168518},{"word":"yeah","start":157.99501,"end":158.49501,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11985288560390472},{"word":"which","start":158.55501,"end":158.875,"confidence":0.9951172,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.1432669460773468},{"word":"one","start":158.875,"end":159.195,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0957878902554512},{"word":"is","start":159.195,"end":159.595,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1438693255186081},{"word":"faster","start":159.595,"end":160.095,"confidence":0.98706055,"punctuated_word":"faster?","sentiment":"neutral","sentiment_score":0.13760870695114136},{"word":"maybe","start":161.99501,"end":162.315,"confidence":0.9472656,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.1510763019323349},{"word":"i","start":162.315,"end":162.395,"confidence":0.9448242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.110818512737751},{"word":"should","start":162.395,"end":162.895,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.12116267532110214},{"word":"go","start":163.115,"end":163.515,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12072349339723588},{"word":"over","start":163.515,"end":163.835,"confidence":0.99609375,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.17792776226997375},{"word":"to","start":163.835,"end":164.07501,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13002751767635343},{"word":"wi","start":164.07501,"end":164.395,"confidence":0.75341797,"punctuated_word":"Wi","sentiment":"neutral","sentiment_score":0.09618112444877625},{"word":"fi","start":164.395,"end":164.71501,"confidence":0.9980469,"punctuated_word":"Fi","sentiment":"neutral","sentiment_score":0.10197526216506958},{"word":"and","start":164.71501,"end":164.875,"confidence":0.8154297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.133650004863739},{"word":"try","start":164.875,"end":165.195,"confidence":0.75683594,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.10325688123703004},{"word":"that","start":165.195,"end":165.48,"confidence":0.607666,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09008944779634476},{"word":"see","start":165.64,"end":165.95999,"confidence":0.97998047,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.06444041430950165},{"word":"if","start":165.95999,"end":166.45999,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06960418820381165},{"word":"that","start":169.29999,"end":169.79999,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07568714767694473},{"word":"goes","start":172.63998,"end":173.13998,"confidence":0.9863281,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.033833764493465424},{"word":"faster","start":175.98,"end":176.48,"confidence":0.9375,"punctuated_word":"faster.","sentiment":"neutral","sentiment_score":0.05078897252678871},{"word":"yeah","start":179.31999,"end":179.64,"confidence":0.9030762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07354705780744553},{"word":"sure","start":179.64,"end":180.14,"confidence":0.9980469,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.1366986632347107},{"word":"okay","start":194.875,"end":195.375,"confidence":0.7746582,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10945410281419754},{"word":"yeah","start":195.515,"end":196.015,"confidence":0.7775879,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0917930155992508},{"word":"yeah","start":219.525,"end":219.845,"confidence":0.7270508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00946999154984951},{"word":"i","start":219.845,"end":219.925,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003879282623529434},{"word":"guess","start":219.925,"end":220.425,"confidence":0.9970703,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.007627230137586594},{"word":"with","start":223.205,"end":223.44499,"confidence":0.5991211,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.009439803659915924},{"word":"the","start":223.44499,"end":223.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004027154296636581},{"word":"will","start":223.605,"end":224.105,"confidence":0.48217773,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.006833583116531372},{"word":"side","start":224.405,"end":224.72499,"confidence":0.96240234,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.017138615250587463},{"word":"of","start":224.72499,"end":224.885,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0018979087471961975},{"word":"things","start":224.885,"end":225.385,"confidence":0.7998047,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.00862407311797142},{"word":"i'm","start":226.46,"end":226.62001,"confidence":0.7663574,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.006943355314433575},{"word":"kind","start":226.62001,"end":226.86,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.013125505298376083},{"word":"of","start":226.86,"end":227.18001,"confidence":0.99902344,"punctuated_word":"of...","sentiment":"neutral","sentiment_score":-0.004814533516764641},{"word":"yeah","start":227.18001,"end":227.42,"confidence":0.99121094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01817001774907112},{"word":"i","start":227.42,"end":227.5,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02289973571896553},{"word":"would","start":227.5,"end":227.74,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015317611396312714},{"word":"like","start":227.74,"end":227.98001,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03130341321229935},{"word":"to","start":227.98001,"end":228.48001,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0350336991250515},{"word":"do","start":228.7,"end":228.94,"confidence":0.8095703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.024478837847709656},{"word":"a","start":228.94,"end":229.02,"confidence":0.34887695,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04473963379859924},{"word":"will","start":229.02,"end":229.52,"confidence":0.8232422,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.033274296671152115},{"word":"or","start":232.22,"end":232.72,"confidence":0.7524414,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.013631312176585196},{"word":"you","start":232.86,"end":233.02,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012301184237003326},{"word":"know","start":233.02,"end":233.42,"confidence":0.99316406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.004915229976177216},{"word":"power","start":233.42,"end":233.82,"confidence":0.8676758,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.031924352049827576},{"word":"of","start":233.82,"end":234.06,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02333949133753777},{"word":"attorney","start":234.06,"end":234.56,"confidence":0.72509766,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.005791397765278816},{"word":"like","start":234.86,"end":235.18001,"confidence":0.90771484,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.02690004371106625},{"word":"which","start":235.18001,"end":235.34,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.011365331709384918},{"word":"one","start":235.34,"end":235.66,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0182974673807621},{"word":"is","start":235.66,"end":236.16,"confidence":0.7668457,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.022642677649855617},{"word":"you","start":237.965,"end":238.165,"confidence":0.36328125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01907435804605484},{"word":"know","start":238.165,"end":238.485,"confidence":0.75561523,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01061711460351944},{"word":"like","start":238.485,"end":238.725,"confidence":0.7414551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.019267074763774872},{"word":"i","start":238.725,"end":238.885,"confidence":0.96435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007600851356983185},{"word":"don't","start":238.885,"end":239.125,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.009040338918566704},{"word":"know","start":239.125,"end":239.285,"confidence":0.9482422,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.021406233310699463},{"word":"the","start":239.285,"end":239.44499,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02245274931192398},{"word":"difference","start":239.44499,"end":239.94499,"confidence":0.9616699,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":-0.0068742502480745316},{"word":"okay","start":257.68,"end":258.18,"confidence":0.86499023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.016074975952506065},{"word":"mhmm","start":259.36002,"end":259.44,"confidence":0.94836426,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03069956973195076},{"word":"so","start":259.44,"end":259.84,"confidence":0.4128418,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019496411085128784},{"word":"it's","start":259.84,"end":260.0,"confidence":0.81762695,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03737823665142059},{"word":"probably","start":260.0,"end":260.32,"confidence":0.9760742,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.08328347653150558},{"word":"worthwhile","start":260.32,"end":260.82,"confidence":0.7963867,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":0.07899708300828934},{"word":"having","start":260.88,"end":261.38,"confidence":0.9301758,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.09321026504039764},{"word":"mhmm","start":276.10498,"end":276.185,"confidence":0.9289551,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.12153995037078856},{"word":"yes","start":276.185,"end":276.685,"confidence":0.7015381,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2687772512435913},{"word":"mhmm","start":276.82498,"end":277.32498,"confidence":0.9848633,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.25687623023986816},{"word":"yep","start":280.22,"end":280.3,"confidence":0.857666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13215383887290957},{"word":"yep","start":280.3,"end":280.8,"confidence":0.82128906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0974583849310875},{"word":"yep","start":282.53998,"end":282.78,"confidence":0.8022461,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08040843904018402},{"word":"okay","start":282.78,"end":283.25998,"confidence":0.6563721,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0787445455789566},{"word":"i'll","start":283.25998,"end":283.5,"confidence":0.62854004,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04631578549742699},{"word":"just","start":283.5,"end":283.9,"confidence":0.5029297,"punctuated_word":"just...","sentiment":"neutral","sentiment_score":0.018766118213534355},{"word":"yeah","start":283.9,"end":284.3,"confidence":0.9250488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05269763991236687},{"word":"i'll","start":284.3,"end":284.46,"confidence":0.86572266,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06400194764137268},{"word":"try","start":284.46,"end":284.62,"confidence":0.56396484,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.06763293594121933},{"word":"to","start":284.62,"end":284.78,"confidence":0.7939453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07606005668640137},{"word":"do","start":284.78,"end":285.02,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07230295240879059},{"word":"that","start":285.02,"end":285.52,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11060751974582672},{"word":"alright","start":287.09998,"end":287.5,"confidence":0.9589844,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16877588629722595},{"word":"that's","start":287.5,"end":287.81998,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.28040632605552673},{"word":"fine","start":287.81998,"end":288.31998,"confidence":0.99609375,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2134902775287628},{"word":"and","start":288.53998,"end":288.78,"confidence":0.9199219,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08486833423376083},{"word":"with","start":288.78,"end":289.02,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07355771213769913},{"word":"the","start":289.02,"end":289.25998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060178808867931366},{"word":"will","start":289.25998,"end":289.66,"confidence":0.78125,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.04552902653813362},{"word":"is","start":289.66,"end":289.81998,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01132280845195055},{"word":"that","start":289.81998,"end":290.31998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03938444703817368},{"word":"something","start":290.785,"end":291.105,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0234159491956234},{"word":"i","start":291.105,"end":291.345,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025896897539496425},{"word":"can","start":291.345,"end":291.585,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02163117565214634},{"word":"do","start":291.585,"end":291.905,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018406685441732407},{"word":"through","start":291.905,"end":292.385,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02556843683123589},{"word":"you","start":292.385,"end":292.545,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022793374955654144},{"word":"guys","start":292.545,"end":292.945,"confidence":0.75024414,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.022994868457317352},{"word":"or","start":292.945,"end":293.185,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.002455625683069229},{"word":"is","start":293.185,"end":293.345,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00555725023150444},{"word":"that","start":293.345,"end":293.665,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022057443857192993},{"word":"separate","start":293.665,"end":294.065,"confidence":0.99609375,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":0.00605340488255024},{"word":"again","start":294.065,"end":294.465,"confidence":0.984375,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.0195936132222414},{"word":"with","start":294.465,"end":294.705,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.001225365325808525},{"word":"post","start":294.705,"end":295.105,"confidence":0.88183594,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.005679404363036156},{"word":"office","start":295.105,"end":295.605,"confidence":0.9819336,"punctuated_word":"office?","sentiment":"neutral","sentiment_score":0.022061415016651154},{"word":"okay","start":319.56,"end":320.06,"confidence":0.8015137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02062266133725643},{"word":"yeah","start":332.475,"end":332.975,"confidence":0.83813477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08493764698505402},{"word":"yes","start":333.035,"end":333.275,"confidence":0.7915039,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.1392579823732376},{"word":"please","start":333.275,"end":333.775,"confidence":0.9946289,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.15551894903182983},{"word":"yeah","start":341.27,"end":341.59,"confidence":0.77856445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03518616408109665},{"word":"like","start":341.59,"end":341.91,"confidence":0.9472656,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.04013606905937195},{"word":"i've","start":341.91,"end":342.15,"confidence":0.97509766,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05068193003535271},{"word":"opened","start":342.15,"end":342.55,"confidence":0.99121094,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.08136026561260223},{"word":"it","start":342.55,"end":343.03,"confidence":0.7380371,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07522475719451904},{"word":"so","start":343.03,"end":343.53,"confidence":0.45874023,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06945591419935226},{"word":"i'm","start":343.99,"end":344.15,"confidence":0.7253418,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08134645968675613},{"word":"at","start":344.15,"end":344.39,"confidence":0.69921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11805373430252077},{"word":"the","start":344.39,"end":344.55,"confidence":0.5419922,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09690665453672408},{"word":"first","start":344.55,"end":344.87,"confidence":0.96533203,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0969984605908394},{"word":"place","start":344.87,"end":345.37,"confidence":0.7290039,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.11802911013364792},{"word":"to","start":345.43,"end":345.59,"confidence":0.61035156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09022345393896104},{"word":"document","start":345.59,"end":346.09,"confidence":0.9770508,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07331987470388412},{"word":"best","start":348.465,"end":348.945,"confidence":0.9589844,"punctuated_word":"Best","sentiment":"neutral","sentiment_score":0.0632253959774971},{"word":"interest","start":348.945,"end":349.42502,"confidence":0.7619629,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.19171994924545288},{"word":"judy","start":349.42502,"end":349.92502,"confidence":0.921875,"punctuated_word":"Judy.","sentiment":"neutral","sentiment_score":0.18468260765075684},{"word":"five","start":361.34998,"end":361.84998,"confidence":0.3092041,"punctuated_word":"Five.","sentiment":"neutral","sentiment_score":0.03182987868785858},{"word":"considered","start":361.90997,"end":362.40997,"confidence":0.7590332,"punctuated_word":"Considered.","sentiment":"neutral","sentiment_score":0.043100371956825256},{"word":"okay","start":362.94998,"end":363.44998,"confidence":0.986084,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08371936529874802},{"word":"mhmm","start":397.53,"end":398.03,"confidence":0.91918945,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.047982871532440186},{"word":"yep","start":399.68997,"end":400.18997,"confidence":0.7109375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08317774534225464},{"word":"yeah","start":418.14502,"end":418.64502,"confidence":0.7788086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01661396399140358},{"word":"i'm","start":418.785,"end":419.025,"confidence":0.7261963,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.021393468603491783},{"word":"on","start":419.025,"end":419.265,"confidence":0.89208984,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02913745306432247},{"word":"five","start":419.265,"end":419.64,"confidence":0.39575195,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.02646709606051445},{"word":"ten","start":419.88,"end":420.12003,"confidence":0.9970703,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.0283524077385664},{"word":"and","start":420.12003,"end":420.62003,"confidence":0.81152344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007212361320853233},{"word":"eleven","start":421.0,"end":421.5,"confidence":0.92089844,"punctuated_word":"eleven.","sentiment":"neutral","sentiment_score":0.014138732105493546},{"word":"so","start":424.76,"end":425.26,"confidence":0.8989258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.001458480954170227},{"word":"so","start":428.52002,"end":428.6,"confidence":0.31762695,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.000910026952624321},{"word":"back","start":428.6,"end":429.0,"confidence":0.4350586,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0027887551113963127},{"word":"to","start":429.0,"end":429.16,"confidence":0.9223633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00007225014269351959},{"word":"10","start":429.16,"end":429.66,"confidence":0.8671875,"punctuated_word":"10.","sentiment":"neutral","sentiment_score":0.008518730290234089},{"word":"so","start":431.40002,"end":431.64,"confidence":0.5410156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01759948953986168},{"word":"10","start":431.64,"end":432.04,"confidence":0.7973633,"punctuated_word":"10,","sentiment":"neutral","sentiment_score":0.02836519479751587},{"word":"i","start":432.04,"end":432.12003,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04188508167862892},{"word":"can","start":432.12003,"end":432.36002,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.059207357466220856},{"word":"see","start":432.36002,"end":432.6,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05144717171788216},{"word":"your","start":432.6,"end":432.84003,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02206973358988762},{"word":"current","start":432.84003,"end":433.32,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.0178363099694252},{"word":"risk","start":433.32,"end":433.56003,"confidence":0.63427734,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.014150366187095642},{"word":"protection","start":433.56003,"end":434.06003,"confidence":0.9753418,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.007468491792678833},{"word":"yes","start":441.11502,"end":441.595,"confidence":0.6812744,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17293338477611542},{"word":"yes","start":441.595,"end":442.095,"confidence":0.9038086,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3879040777683258},{"word":"oh","start":448.95502,"end":449.195,"confidence":0.763916,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.07496863603591919},{"word":"yeah","start":449.195,"end":449.695,"confidence":0.6472168,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05582459270954132},{"word":"yeah","start":459.95,"end":460.45,"confidence":0.91967773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05760370194911957},{"word":"yeah","start":460.67,"end":461.17,"confidence":0.76586914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05801531299948692},{"word":"okay","start":466.335,"end":466.835,"confidence":0.61279297,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07324634492397308},{"word":"so","start":469.215,"end":469.375,"confidence":0.94628906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08839337527751923},{"word":"there's","start":469.375,"end":469.875,"confidence":0.89331055,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0996689647436142},{"word":"nios","start":470.815,"end":471.315,"confidence":0.2649536,"punctuated_word":"Nios","sentiment":"neutral","sentiment_score":0.10804946720600128},{"word":"life","start":471.615,"end":472.115,"confidence":0.4724121,"punctuated_word":"Life","sentiment":"neutral","sentiment_score":0.1010446846485138},{"word":"ppd","start":472.335,"end":472.835,"confidence":0.7043457,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":0.0641835629940033},{"word":"and","start":473.615,"end":473.935,"confidence":0.88671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05325104296207428},{"word":"ipe","start":473.935,"end":474.435,"confidence":0.51220703,"punctuated_word":"IPE,","sentiment":"neutral","sentiment_score":0.05317627638578415},{"word":"and","start":475.71,"end":475.95,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08249305188655853},{"word":"that's","start":475.95,"end":476.45,"confidence":0.703125,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09478366374969482},{"word":"3","start":477.63,"end":478.13,"confidence":0.34521484,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.02875145711004734},{"word":"40","start":478.19,"end":478.67,"confidence":0.9941406,"punctuated_word":"40","sentiment":"neutral","sentiment_score":0.03202730417251587},{"word":"2","start":478.67,"end":479.17,"confidence":0.8984375,"punctuated_word":"2.","sentiment":"neutral","sentiment_score":0.01347254402935505},{"word":"okay","start":496.48502,"end":496.98502,"confidence":0.94091797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01917681097984314},{"word":"mhmm","start":518.14,"end":518.64,"confidence":0.89331055,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0966578871011734},{"word":"okay","start":534.39496,"end":534.89496,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01655854843556881},{"word":"yeah","start":534.95496,"end":535.45496,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028931960463523865},{"word":"okay","start":570.81,"end":571.31,"confidence":0.8395996,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07811366021633148},{"word":"yeah","start":584.345,"end":584.845,"confidence":0.7915039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04144494608044624},{"word":"yeah","start":599.92,"end":600.39996,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.052550800144672394},{"word":"not","start":600.39996,"end":600.72,"confidence":0.8769531,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.04857371747493744},{"word":"not","start":600.72,"end":601.22,"confidence":0.9404297,"punctuated_word":"not...","sentiment":"neutral","sentiment_score":-0.05189689621329307},{"word":"nothing","start":601.36,"end":601.83997,"confidence":0.99609375,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.12245793640613556},{"word":"that","start":601.83997,"end":602.08,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10297074913978577},{"word":"i","start":602.08,"end":602.24,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1206950843334198},{"word":"know","start":602.24,"end":602.48,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13458795845508575},{"word":"of","start":602.48,"end":602.88,"confidence":0.89990234,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.14889413118362427},{"word":"no","start":602.88,"end":603.12,"confidence":0.99316406,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.2234877198934555},{"word":"health","start":603.12,"end":603.435,"confidence":0.96533203,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.1947179138660431},{"word":"thing","start":603.435,"end":603.935,"confidence":0.84521484,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.19378188252449036},{"word":"just","start":604.635,"end":605.135,"confidence":0.99902344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.11279332637786864},{"word":"aging","start":611.195,"end":611.695,"confidence":0.9902344,"punctuated_word":"aging.","sentiment":"neutral","sentiment_score":-0.11399298161268234},{"word":"yes","start":624.51,"end":625.01,"confidence":0.6557617,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.010111050680279732},{"word":"okay","start":631.105,"end":631.425,"confidence":0.6685791,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0361688956618309},{"word":"no","start":631.425,"end":631.745,"confidence":0.8144531,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0893372893333435},{"word":"that","start":631.745,"end":632.065,"confidence":0.9863281,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.09283386170864104},{"word":"says","start":632.065,"end":632.545,"confidence":0.48657227,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.06689407676458359},{"word":"decline","start":632.545,"end":633.045,"confidence":0.5527344,"punctuated_word":"decline...","sentiment":"neutral","sentiment_score":-0.07463468611240387},{"word":"design","start":633.505,"end":634.005,"confidence":0.66503906,"punctuated_word":"Design.","sentiment":"neutral","sentiment_score":-0.09734518826007844},{"word":"i'm","start":637.665,"end":638.065,"confidence":0.91186523,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0879167839884758},{"word":"actually","start":638.065,"end":638.545,"confidence":0.92578125,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07870319485664368},{"word":"just","start":638.545,"end":638.945,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07311781495809555},{"word":"on","start":638.945,"end":639.185,"confidence":0.9770508,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.062134601175785065},{"word":"my","start":639.185,"end":639.585,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09207234531641006},{"word":"phone","start":639.585,"end":640.085,"confidence":0.7937012,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":-0.06886829435825348},{"word":"so","start":640.22504,"end":640.545,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0707511156797409},{"word":"i","start":640.545,"end":640.705,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07254897058010101},{"word":"don't","start":640.705,"end":640.945,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07546456158161163},{"word":"know","start":640.945,"end":641.265,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05695667117834091},{"word":"what","start":641.265,"end":641.765,"confidence":0.7734375,"punctuated_word":"what...","sentiment":"neutral","sentiment_score":-0.03673149645328522},{"word":"yeah","start":643.34503,"end":643.84503,"confidence":0.96655273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0030604619532823563},{"word":"hang","start":644.465,"end":644.705,"confidence":0.97509766,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.016483284533023834},{"word":"on","start":644.705,"end":645.15,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.002076561562716961},{"word":"i","start":645.23004,"end":645.47003,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015486802905797958},{"word":"can","start":645.47003,"end":645.79004,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023371927440166473},{"word":"probably","start":645.79004,"end":646.27,"confidence":0.98535156,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03397313132882118},{"word":"forward","start":646.27,"end":646.67004,"confidence":0.99609375,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.01497216895222664},{"word":"this","start":646.67004,"end":646.99005,"confidence":0.97998047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.010856449604034424},{"word":"email","start":646.99005,"end":647.47003,"confidence":0.99609375,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.009898651391267776},{"word":"to","start":647.47003,"end":647.63,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01797374337911606},{"word":"my","start":647.63,"end":647.87,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.01898379996418953},{"word":"work","start":647.87,"end":648.35004,"confidence":0.9921875,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03894571587443352},{"word":"if","start":648.35004,"end":648.59,"confidence":0.61816406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.012436378747224808},{"word":"i'm","start":648.59,"end":648.83,"confidence":0.9838867,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0034467491786926985},{"word":"on","start":648.83,"end":649.33,"confidence":0.9941406,"punctuated_word":"on...","sentiment":"neutral","sentiment_score":-0.002318037673830986},{"word":"give","start":651.79004,"end":652.11005,"confidence":0.77685547,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":-0.005616527050733566},{"word":"me","start":652.11005,"end":652.35004,"confidence":0.99316406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.004657663404941559},{"word":"a","start":652.35004,"end":652.43005,"confidence":0.94384766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0008988454937934875},{"word":"moment","start":652.43005,"end":652.75,"confidence":0.9951172,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.004393830895423889},{"word":"if","start":652.75,"end":652.99005,"confidence":0.9453125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.005563809536397457},{"word":"you've","start":652.99005,"end":653.23004,"confidence":0.9885254,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0017344343941658735},{"word":"got","start":653.23004,"end":653.47003,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.006823025643825531},{"word":"time","start":653.47003,"end":653.79004,"confidence":0.9926758,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.0036439038813114166},{"word":"is","start":653.79004,"end":653.95,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.008931117132306099},{"word":"that","start":653.95,"end":654.19,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021035220474004745},{"word":"alright","start":654.19,"end":654.67004,"confidence":0.9499512,"punctuated_word":"alright?","sentiment":"neutral","sentiment_score":0.0029458242934197187},{"word":"or","start":654.67004,"end":655.17004,"confidence":0.7475586,"punctuated_word":"Or...","sentiment":"neutral","sentiment_score":-0.0025024632923305035},{"word":"yep","start":662.685,"end":663.185,"confidence":0.703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09028880298137663},{"word":"yeah","start":666.445,"end":666.765,"confidence":0.9663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0692557618021965},{"word":"yes","start":666.765,"end":667.16504,"confidence":0.98657227,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.11588206887245178},{"word":"please","start":667.16504,"end":667.565,"confidence":0.9975586,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.14180254936218262},{"word":"yeah","start":667.565,"end":668.065,"confidence":0.8083496,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2950107455253601},{"word":"mhmm","start":686.38,"end":686.88,"confidence":0.8997803,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.072695292532444},{"word":"oh","start":690.295,"end":690.455,"confidence":0.6472168,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.20030254125595093},{"word":"so","start":690.455,"end":690.955,"confidence":0.890625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19412930309772491},{"word":"name","start":692.215,"end":692.715,"confidence":0.5895996,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.06878339499235153},{"word":"lowercase","start":693.735,"end":694.235,"confidence":0.8157552,"punctuated_word":"lowercase,","sentiment":"neutral","sentiment_score":0.07221772521734238},{"word":"u","start":694.695,"end":695.09503,"confidence":0.9941406,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.06782373785972595},{"word":"w","start":695.09503,"end":695.59503,"confidence":0.9941406,"punctuated_word":"w","sentiment":"neutral","sentiment_score":0.05676696449518204},{"word":"e","start":695.735,"end":696.235,"confidence":1.0,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.06463436037302017},{"word":"i","start":696.53503,"end":696.615,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06632687896490097},{"word":"n","start":696.615,"end":696.775,"confidence":1.0,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.06282226741313934},{"word":"n","start":696.775,"end":697.175,"confidence":0.99902344,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.056941576302051544},{"word":"a","start":697.175,"end":697.675,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07211394608020782},{"word":"dot","start":697.975,"end":698.455,"confidence":0.58447266,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.08091316372156143},{"word":"mythirn","start":698.455,"end":698.955,"confidence":0.55637205,"punctuated_word":"mythirn,","sentiment":"neutral","sentiment_score":0.048270709812641144},{"word":"a","start":699.255,"end":699.495,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03083261288702488},{"word":"l","start":699.495,"end":699.815,"confidence":0.99902344,"punctuated_word":"l","sentiment":"neutral","sentiment_score":0.03287653997540474},{"word":"b","start":699.815,"end":699.975,"confidence":0.99316406,"punctuated_word":"b","sentiment":"neutral","sentiment_score":0.03032675012946129},{"word":"e","start":699.975,"end":700.295,"confidence":0.99902344,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.04126220941543579},{"word":"r","start":700.295,"end":700.615,"confidence":1.0,"punctuated_word":"r","sentiment":"neutral","sentiment_score":0.036194317042827606},{"word":"t","start":700.615,"end":701.115,"confidence":0.91967773,"punctuated_word":"t,","sentiment":"neutral","sentiment_score":0.03194248676300049},{"word":"@n,dasinknockitdown,.edu.au","start":701.75,"end":707.13,"confidence":0.9249349,"punctuated_word":"@n,dasinknockitdown,.edu.au.","sentiment":"neutral","sentiment_score":0.031208429485559464},{"word":"yes","start":713.83,"end":714.33,"confidence":0.97753906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1941438764333725},{"word":"yeah","start":714.39,"end":714.89,"confidence":0.7753906,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4383693039417267},{"word":"mhmm","start":723.005,"end":723.505,"confidence":0.99523926,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10461936891078948},{"word":"okay","start":746.875,"end":747.355,"confidence":0.8527832,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2655627429485321},{"word":"yes","start":747.355,"end":747.855,"confidence":0.826416,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3445098400115967},{"word":"no","start":832.635,"end":833.135,"confidence":0.6706543,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2875638008117676},{"word":"let","start":835.595,"end":835.83496,"confidence":0.79052734,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.27848267555236816},{"word":"me","start":835.83496,"end":835.995,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.24643225967884064},{"word":"do","start":835.995,"end":836.315,"confidence":0.5605469,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.3355558216571808},{"word":"it","start":836.315,"end":836.555,"confidence":0.8178711,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2812560200691223},{"word":"again","start":836.555,"end":837.055,"confidence":0.93603516,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.21683555841445923},{"word":"oh","start":841.195,"end":841.435,"confidence":0.87475586,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.13737615942955017},{"word":"hang","start":841.435,"end":841.755,"confidence":0.9980469,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.1874733865261078},{"word":"on","start":841.755,"end":841.915,"confidence":0.9904785,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.1650238037109375},{"word":"it's","start":841.915,"end":842.235,"confidence":0.9909668,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09288748353719713},{"word":"updating","start":842.235,"end":842.735,"confidence":0.9108887,"punctuated_word":"updating.","sentiment":"neutral","sentiment_score":-0.0969051718711853},{"word":"oh","start":843.035,"end":843.27,"confidence":0.765625,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.07764654606580734},{"word":"oh","start":843.83,"end":844.33,"confidence":0.64990234,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.10796930640935898},{"word":"no","start":845.35004,"end":845.75,"confidence":0.9189453,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.1541714072227478},{"word":"maybe","start":845.75,"end":846.07,"confidence":0.5600586,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.19325417280197144},{"word":"you're","start":846.07,"end":846.31,"confidence":0.5662842,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.20827648043632507},{"word":"back","start":846.31,"end":846.47003,"confidence":0.9560547,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.2314758598804474},{"word":"in","start":846.47003,"end":846.71,"confidence":0.85498047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.284498006105423},{"word":"the","start":846.71,"end":846.79004,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23742316663265228},{"word":"junk","start":846.79004,"end":847.19,"confidence":0.7385254,"punctuated_word":"junk.","sentiment":"neutral","sentiment_score":-0.23117664456367493},{"word":"let","start":847.19,"end":847.35004,"confidence":0.49853516,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.10973479598760603},{"word":"me","start":847.35004,"end":847.51,"confidence":0.79052734,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.07062330842018127},{"word":"check","start":847.51,"end":847.66003,"confidence":0.56152344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.10567118227481842},{"word":"a","start":847.66003,"end":847.91003,"confidence":0.44018555,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10585695505142212},{"word":"look","start":847.91003,"end":848.41003,"confidence":0.96850586,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.07224476337432861},{"word":"@nd.edu.au","start":858.39,"end":861.72504,"confidence":0.93752444,"punctuated_word":"@nd.edu.au.","sentiment":"neutral","sentiment_score":-0.002356485929340124},{"word":"yes","start":861.72504,"end":862.22504,"confidence":0.7973633,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03391138091683388},{"word":"oh","start":868.04504,"end":868.205,"confidence":0.86499023,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02685338631272316},{"word":"here","start":868.205,"end":868.365,"confidence":0.99609375,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.027837879955768585},{"word":"we","start":868.365,"end":868.60504,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021761883050203323},{"word":"go","start":868.60504,"end":869.085,"confidence":0.99853516,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.03361690044403076},{"word":"yep","start":869.085,"end":869.585,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07831093668937683},{"word":"got","start":869.72504,"end":869.885,"confidence":0.9589844,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.156354621052742},{"word":"it","start":869.885,"end":870.385,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14972920715808868},{"word":"appendix","start":871.085,"end":871.585,"confidence":0.48742676,"punctuated_word":"Appendix.","sentiment":"neutral","sentiment_score":0.14293639361858368},{"word":"so","start":871.885,"end":872.385,"confidence":0.76708984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05242004245519638},{"word":"appendix","start":872.93,"end":873.43,"confidence":0.39282227,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.056988008320331573},{"word":"and","start":875.44995,"end":875.94995,"confidence":0.58447266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02284790202975273},{"word":"then","start":877.97,"end":878.47,"confidence":0.9970703,"punctuated_word":"then...","sentiment":"neutral","sentiment_score":0.006061190739274025},{"word":"okay","start":880.37,"end":880.87,"confidence":0.605896,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03160392493009567},{"word":"yep","start":880.93,"end":881.43,"confidence":0.8479004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02635383978486061},{"word":"yeah","start":884.05,"end":884.55,"confidence":0.935791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007847823202610016},{"word":"just","start":887.265,"end":887.425,"confidence":0.17749023,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.003312762826681137},{"word":"a","start":887.425,"end":887.58496,"confidence":0.8989258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0001147771254181862},{"word":"moment","start":887.58496,"end":888.065,"confidence":0.6689453,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.00034135952591896057},{"word":"so","start":888.065,"end":888.305,"confidence":0.49316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0285071711987257},{"word":"i'm","start":888.305,"end":888.545,"confidence":0.83447266,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.029002569615840912},{"word":"in","start":888.545,"end":889.045,"confidence":0.39257812,"punctuated_word":"in...","sentiment":"neutral","sentiment_score":-0.023133398965001103},{"word":"the","start":891.185,"end":891.505,"confidence":0.46972656,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.019893132150173187},{"word":"payday","start":891.505,"end":892.005,"confidence":0.6220703,"punctuated_word":"payday?","sentiment":"neutral","sentiment_score":-0.011742335744202135},{"word":"okay","start":901.95,"end":902.45,"confidence":0.94091797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0191008560359478},{"word":"yeah","start":902.51,"end":903.01,"confidence":0.8220215,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021943349391222},{"word":"yes","start":907.15,"end":907.55005,"confidence":0.8984375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04607463628053665},{"word":"yes","start":907.55005,"end":908.05005,"confidence":0.9951172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04162920266389847},{"word":"summary","start":908.27,"end":908.77,"confidence":0.93603516,"punctuated_word":"Summary","sentiment":"neutral","sentiment_score":0.022139137610793114},{"word":"report","start":908.83,"end":909.33,"confidence":0.8847656,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.024087201803922653},{"word":"okay","start":924.26495,"end":924.425,"confidence":0.91381836,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17029480636119845},{"word":"yep","start":924.425,"end":924.90497,"confidence":0.9567871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21360477805137632},{"word":"mhmm","start":924.90497,"end":925.40497,"confidence":0.9876709,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.17977797985076904},{"word":"yep","start":957.63,"end":957.95,"confidence":0.76538086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20409294962882996},{"word":"yep","start":957.95,"end":958.45,"confidence":0.7692871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2040785551071167},{"word":"i","start":958.59,"end":958.83,"confidence":0.9277344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23148153722286224},{"word":"see","start":958.83,"end":959.33,"confidence":0.9838867,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.1931706666946411},{"word":"yeah","start":987.22,"end":987.3,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09315149486064912},{"word":"that's","start":987.3,"end":987.38,"confidence":0.94677734,"punctuated_word":"That's...","sentiment":"neutral","sentiment_score":0.08944326639175415},{"word":"i","start":987.38,"end":987.88,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09815524518489838},{"word":"mean","start":988.26,"end":988.76,"confidence":0.9885254,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.15692338347434998},{"word":"that's","start":989.86,"end":990.26,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16885840892791748},{"word":"fine","start":990.26,"end":990.76,"confidence":0.99609375,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.17761892080307007},{"word":"yeah","start":1000.58,"end":1000.82,"confidence":0.7753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17309266328811646},{"word":"we","start":1000.82,"end":1000.98,"confidence":0.9863281,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1723089963197708},{"word":"could","start":1000.98,"end":1001.22,"confidence":0.99609375,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1756511777639389},{"word":"probably","start":1001.22,"end":1001.7,"confidence":0.9902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2035846710205078},{"word":"do","start":1001.7,"end":1001.86,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10592804104089736},{"word":"that","start":1001.86,"end":1002.18,"confidence":0.9794922,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.13991302251815796},{"word":"why","start":1002.18,"end":1002.34,"confidence":0.9970703,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":0.02508972585201263},{"word":"not","start":1002.34,"end":1002.765,"confidence":0.9772949,"punctuated_word":"not?","sentiment":"neutral","sentiment_score":0.05169318616390228},{"word":"yeah","start":1042.81,"end":1043.13,"confidence":0.9916992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2854415774345398},{"word":"that","start":1043.13,"end":1043.29,"confidence":0.9921875,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4099158644676209},{"word":"should","start":1043.29,"end":1043.61,"confidence":0.9980469,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.489452600479126},{"word":"be","start":1043.61,"end":1043.8501,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3765689432621002},{"word":"fine","start":1043.8501,"end":1044.3501,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.3310706317424774},{"word":"yeah","start":1047.13,"end":1047.4501,"confidence":0.93115234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19072015583515167},{"word":"i'll","start":1047.4501,"end":1047.6901,"confidence":0.9926758,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1220441311597824},{"word":"think","start":1047.6901,"end":1048.0901,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07721425592899323},{"word":"about","start":1048.0901,"end":1048.41,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07608243823051453},{"word":"it","start":1048.41,"end":1048.7301,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07875736057758331},{"word":"because","start":1048.7301,"end":1049.2101,"confidence":0.77685547,"punctuated_word":"because...","sentiment":"neutral","sentiment_score":0.05876373872160912},{"word":"yeah","start":1049.2101,"end":1049.61,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04515247792005539},{"word":"i","start":1049.61,"end":1049.6901,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014627397060394289},{"word":"mean","start":1049.6901,"end":1050.1901,"confidence":0.96972656,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.013375069946050644},{"word":"i","start":1050.41,"end":1050.5701,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015790358185768127},{"word":"think","start":1050.5701,"end":1051.0701,"confidence":1.0,"punctuated_word":"think...","sentiment":"neutral","sentiment_score":0.012995487079024317},{"word":"yeah","start":1052.7301,"end":1052.9701,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012015119194984436},{"word":"but","start":1052.9701,"end":1053.2101,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08575955778360367},{"word":"that's","start":1053.2101,"end":1053.53,"confidence":0.94189453,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13549844920635223},{"word":"you","start":1053.53,"end":1053.6901,"confidence":0.9316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12080032378435136},{"word":"guys'","start":1053.6901,"end":1054.0901,"confidence":0.81762695,"punctuated_word":"guys'","sentiment":"neutral","sentiment_score":0.11188623309135436},{"word":"advice","start":1054.0901,"end":1054.5901,"confidence":0.96240234,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13349860906600952},{"word":"kind","start":1054.81,"end":1055.05,"confidence":0.45996094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09786491096019743},{"word":"of","start":1055.05,"end":1055.13,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12206338346004486},{"word":"thing","start":1055.13,"end":1055.53,"confidence":0.9760742,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.1520473062992096},{"word":"it","start":1055.53,"end":1055.805,"confidence":0.97509766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2775457501411438},{"word":"saves","start":1055.9651,"end":1056.125,"confidence":0.7265625,"punctuated_word":"saves","sentiment":"neutral","sentiment_score":0.27102118730545044},{"word":"a","start":1056.125,"end":1056.285,"confidence":0.85546875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3423457741737366},{"word":"bit","start":1056.285,"end":1056.785,"confidence":0.8540039,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3009476363658905},{"word":"a","start":1057.405,"end":1057.4851,"confidence":0.73828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.316210001707077},{"word":"a","start":1057.4851,"end":1057.5651,"confidence":0.68310547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25122344493865967},{"word":"few","start":1057.5651,"end":1058.0651,"confidence":0.98535156,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.19538436830043793},{"word":"100","start":1058.125,"end":1058.625,"confidence":0.9819336,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.27303266525268555},{"word":"here","start":1060.045,"end":1060.285,"confidence":0.96777344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.27337679266929626},{"word":"and","start":1060.285,"end":1060.4451,"confidence":0.85498047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3083891272544861},{"word":"there","start":1060.4451,"end":1060.765,"confidence":0.6958008,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3102436065673828},{"word":"and","start":1060.765,"end":1061.165,"confidence":0.7780762,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.4797903895378113},{"word":"i","start":1061.165,"end":1061.3251,"confidence":0.9921875,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3838680684566498},{"word":"mean","start":1061.3251,"end":1061.805,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.4714927971363067},{"word":"the","start":1061.805,"end":1062.045,"confidence":0.7998047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6372044086456299},{"word":"performance","start":1062.045,"end":1062.545,"confidence":0.9160156,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.5696736574172974},{"word":"indicated","start":1062.685,"end":1063.185,"confidence":0.58447266,"punctuated_word":"indicated","sentiment":"positive","sentiment_score":0.660163938999176},{"word":"is","start":1063.5651,"end":1063.7251,"confidence":0.4621582,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.663162112236023},{"word":"pretty","start":1063.7251,"end":1064.2251,"confidence":0.9790039,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6617038249969482},{"word":"good","start":1064.525,"end":1065.025,"confidence":0.9880371,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6021131277084351},{"word":"okay","start":1077.76,"end":1078.26,"confidence":0.892334,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11032938957214355},{"word":"yeah","start":1078.56,"end":1079.06,"confidence":0.7495117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08981953561306},{"word":"yeah","start":1079.44,"end":1079.76,"confidence":0.9711914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0603795200586319},{"word":"no","start":1079.76,"end":1080.16,"confidence":0.9875488,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.040616922080516815},{"word":"i'm","start":1080.16,"end":1080.4,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1692817658185959},{"word":"fine","start":1080.4,"end":1080.88,"confidence":0.9736328,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.16177786886692047},{"word":"that's","start":1080.88,"end":1081.38,"confidence":0.67663574,"punctuated_word":"That's...","sentiment":"neutral","sentiment_score":0.11271150410175323},{"word":"yeah","start":1081.44,"end":1081.94,"confidence":0.9436035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18969962000846863},{"word":"give","start":1082.4349,"end":1082.6749,"confidence":0.98291016,"punctuated_word":"Give","sentiment":"positive","sentiment_score":0.35166099667549133},{"word":"that","start":1082.6749,"end":1083.1749,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40016546845436096},{"word":"a","start":1094.515,"end":1094.765,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02854024618864059},{"word":"crack","start":1094.765,"end":1095.265,"confidence":0.9494629,"punctuated_word":"crack.","sentiment":"neutral","sentiment_score":0.04923265427350998},{"word":"yes","start":1106.4299,"end":1106.9299,"confidence":0.9482422,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2056625783443451},{"word":"terrific","start":1107.63,"end":1108.11,"confidence":0.8808594,"punctuated_word":"Terrific.","sentiment":"positive","sentiment_score":0.4936828017234802},{"word":"yes","start":1108.11,"end":1108.61,"confidence":0.8359375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16333863139152527},{"word":"no","start":1112.585,"end":1112.905,"confidence":0.9411621,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02047993801534176},{"word":"that's","start":1112.905,"end":1113.385,"confidence":0.95532227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02796589583158493},{"word":"fine","start":1113.385,"end":1113.885,"confidence":0.8930664,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.025610359385609627},{"word":"yeah","start":1113.9451,"end":1114.4451,"confidence":0.82299805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1621873378753662},{"word":"mhmm","start":1119.305,"end":1119.805,"confidence":0.83795166,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10406219959259032},{"word":"yeah","start":1133.06,"end":1133.56,"confidence":0.7001953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18664267659187317},{"word":"perfect","start":1134.02,"end":1134.52,"confidence":0.92700195,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.39816901087760925},{"word":"yeah","start":1139.975,"end":1140.475,"confidence":0.86572266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09109034389257432},{"word":"okay","start":1140.615,"end":1140.9349,"confidence":0.9760742,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1538369059562683},{"word":"perfect","start":1140.9349,"end":1141.4349,"confidence":0.984375,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3229749798774719},{"word":"oh","start":1148.455,"end":1148.695,"confidence":0.88500977,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.006323963403701782},{"word":"no","start":1148.695,"end":1148.9349,"confidence":0.99316406,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.0046218931674957275},{"word":"that's","start":1148.9349,"end":1149.33,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06707199662923813},{"word":"fine","start":1149.57,"end":1149.8099,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.08760819584131241},{"word":"thank","start":1149.8099,"end":1150.2899,"confidence":1.0,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.18537530303001404},{"word":"you","start":1150.2899,"end":1150.69,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18164122104644775},{"word":"i","start":1150.69,"end":1150.9299,"confidence":0.95947266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07205899804830551},{"word":"will","start":1150.9299,"end":1151.1699,"confidence":0.49951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.053741633892059326},{"word":"just","start":1151.1699,"end":1151.4099,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05354203283786774},{"word":"have","start":1151.4099,"end":1151.73,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05907910317182541},{"word":"a","start":1151.73,"end":1151.8099,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049953289330005646},{"word":"read","start":1151.8099,"end":1152.13,"confidence":0.7529297,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.048220422118902206},{"word":"and","start":1152.13,"end":1152.37,"confidence":0.73876953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02087574452161789},{"word":"get","start":1152.37,"end":1152.87,"confidence":0.2644043,"punctuated_word":"get...","sentiment":"neutral","sentiment_score":0.03873513638973236},{"word":"be","start":1153.57,"end":1153.8099,"confidence":0.7314453,"punctuated_word":"Be","sentiment":"neutral","sentiment_score":0.06985462456941605},{"word":"fine","start":1153.8099,"end":1154.3099,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10889683663845062},{"word":"yep","start":1164.445,"end":1164.945,"confidence":0.8093262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04152261465787888},{"word":"yep","start":1166.765,"end":1167.265,"confidence":0.8483887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10409992933273315},{"word":"okay","start":1167.405,"end":1167.905,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1697310507297516},{"word":"no","start":1167.965,"end":1168.285,"confidence":0.9941406,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2794274091720581},{"word":"worries","start":1168.285,"end":1168.785,"confidence":0.99365234,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.3816065192222595},{"word":"okay","start":1175.885,"end":1176.285,"confidence":0.7590332,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.545275092124939},{"word":"perfect","start":1176.285,"end":1176.785,"confidence":0.9460449,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7340991497039795},{"word":"okay","start":1177.37,"end":1177.77,"confidence":0.9914551,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5430448055267334},{"word":"thank","start":1177.77,"end":1177.93,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8286715149879456},{"word":"you","start":1177.93,"end":1178.25,"confidence":0.9909668,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.8211979866027832},{"word":"tommy","start":1178.25,"end":1178.75,"confidence":0.9272461,"punctuated_word":"Tommy.","sentiment":"positive","sentiment_score":0.7477842569351196},{"word":"you","start":1181.53,"end":1181.77,"confidence":0.85498047,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5192990899085999},{"word":"too","start":1181.77,"end":1182.27,"confidence":0.9946289,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4857150912284851},{"word":"k","start":1182.41,"end":1182.65,"confidence":0.80981445,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.1737084984779358},{"word":"bye","start":1182.65,"end":1183.15,"confidence":0.9951172,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.23781388998031616}],"paragraphs":{"transcript":"\nYeah. No worries. Yeah. Sorry. I missed your call.\n\nYes. For sure. Yep. Okay. Yeah.\n\nYeah. No worries. No. Either either. I've got time.\n\nI'm working from home, but, you know, I've got my son who likes to interrupt, but he's busy at the moment. So so it should be fine. Okay. Yep. I've got it, but it just says signed document.\n\nDo I open that? Okay. Mhmm. Oh, nice. Yeah.\n\nJust taking a bit of time. And... It's pretty funny because I've got Starlink, but then sometime it works faster on my data, my phone data. Yeah. So I'm just...\n\nYeah. Which one is faster? Maybe I should go over to Wi Fi and try that. See if that goes faster. Yeah.\n\nSure. Okay. Yeah. Yeah. I guess with the will side of things, I'm kind of...\n\nYeah. I would like to do a will or, you know, power of attorney. Like, which one is, you know, like, I don't know the difference. Okay. Mhmm.\n\nSo it's probably worthwhile having Mhmm. Yes. Mhmm. Yep. Yep.\n\nYep. Okay. I'll just... Yeah. I'll try to do that.\n\nAlright. That's fine. And with the will, is that something I can do through you guys, or is that separate again with post office? Okay. Yeah.\n\nYes, please. Yeah. Like, I've opened it. So I'm at the first place to document Best interest, Judy. Five.\n\nConsidered. Okay. Mhmm. Yep. Yeah.\n\nI'm on five ten and eleven. So so back to 10. So 10, I can see your current risk protection. Yes. Yes.\n\nOh, yeah. Yeah. Yeah. Okay. So there's Nios Life PPD and IPE, and that's 3 40 2.\n\nOkay. Mhmm. Okay. Yeah. Okay.\n\nYeah. Yeah. Not not... Nothing that I know of. No health thing.\n\nJust aging. Yes. Okay. No. That says decline...\n\nDesign. I'm actually just on my phone, so I don't know what... Yeah. Hang on. I can probably forward this email to my work if I'm on...\n\nGive me a moment if you've got time. Is that alright? Or... Yep. Yeah.\n\nYes, please. Yeah. Mhmm. Oh, so name, lowercase, u w e I n n a dot mythirn, a l b e r t, @n,dasinknockitdown,.edu.au. Yes.\n\nYeah. Mhmm. Okay. Yes. No.\n\nLet me do it again. Oh, hang on. It's updating. Oh, Oh, no. Maybe you're back in the junk.\n\nLet me check a look. @nd.edu.au. Yes. Oh, here we go. Yep.\n\nGot it. Appendix. So appendix and then... Okay. Yep.\n\nYeah. Just a moment. So I'm in... The payday? Okay.\n\nYeah. Yes. Yes. Summary report. Okay.\n\nYep. Mhmm. Yep. Yep. I see.\n\nYeah. That's... I mean, that's fine. Yeah. We could probably do that.\n\nWhy not? Yeah. That should be fine. Yeah. I'll think about it because...\n\nYeah. I mean, I think... Yeah. But that's you guys' advice kind of thing. It saves a bit a a few 100 here and there.\n\nAnd, I mean, the performance indicated is pretty good. Okay. Yeah. Yeah. No.\n\nI'm fine. That's... Yeah. Give that a crack. Yes.\n\nTerrific. Yes. No. That's fine. Yeah.\n\nMhmm. Yeah. Perfect. Yeah. Okay.\n\nPerfect. Oh, no. That's fine. Thank you. I will just have a read and get...\n\nBe fine. Yep. Yep. Okay. No worries.\n\nOkay. Perfect. Okay. Thank you, Tommy. You too.\n\nK. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.23908746242523193},{"text":"No worries.","start":7.04,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.18357088416814804},{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":0.17283783853054047},{"text":"Sorry.","start":8.88,"end":9.2,"sentiment":"neutral","sentiment_score":0.13496890664100647},{"text":"I missed your call.","start":9.2,"end":10.179999,"sentiment":"neutral","sentiment_score":0.08374644629657269}],"sentiment":"neutral","sentiment_score":0.13878019567992952,"num_words":9,"start":6.64,"end":10.179999},{"sentences":[{"text":"Yes.","start":20.415,"end":20.735,"sentiment":"neutral","sentiment_score":0.1595013290643692},{"text":"For sure.","start":20.735,"end":21.375,"sentiment":"neutral","sentiment_score":0.1970631256699562},{"text":"Yep.","start":21.375,"end":21.875,"sentiment":"positive","sentiment_score":0.3621128797531128},{"text":"Okay.","start":33.23,"end":33.63,"sentiment":"neutral","sentiment_score":0.17200526595115662},{"text":"Yeah.","start":33.63,"end":34.13,"sentiment":"neutral","sentiment_score":0.19209742546081543}],"sentiment":"neutral","sentiment_score":0.21330719192822775,"num_words":6,"start":20.415,"end":34.13},{"sentences":[{"text":"Yeah.","start":45.265,"end":45.504997,"sentiment":"neutral","sentiment_score":0.10946635901927948},{"text":"No worries.","start":45.504997,"end":46.245,"sentiment":"neutral","sentiment_score":0.11882839351892471},{"text":"No.","start":70.105,"end":70.605,"sentiment":"neutral","sentiment_score":-0.06518223881721497},{"text":"Either either.","start":70.665,"end":71.225,"sentiment":"neutral","sentiment_score":-0.05874167010188103},{"text":"I've got time.","start":71.225,"end":72.345,"sentiment":"neutral","sentiment_score":-0.04005147020022074}],"sentiment":"neutral","sentiment_score":0.004922572937276628,"num_words":9,"start":45.265,"end":72.345},{"sentences":[{"text":"I'm working from home, but, you know, I've got my son who likes to interrupt, but he's busy at the moment.","start":72.345,"end":80.265,"sentiment":"neutral","sentiment_score":-0.024293095217130724},{"text":"So so it should be fine.","start":80.265,"end":82.41,"sentiment":"neutral","sentiment_score":0.14852570990721384},{"text":"Okay.","start":102.435,"end":102.935,"sentiment":"neutral","sentiment_score":0.07917296141386032},{"text":"Yep.","start":109.72,"end":110.22,"sentiment":"neutral","sentiment_score":0.04903402552008629},{"text":"I've got it, but it just says signed document.","start":110.439995,"end":113.479996,"sentiment":"neutral","sentiment_score":0.03263761413594087}],"sentiment":"neutral","sentiment_score":0.02113012563265664,"num_words":38,"start":72.345,"end":113.479996},{"sentences":[{"text":"Do I open that?","start":113.479996,"end":114.619995,"sentiment":"neutral","sentiment_score":0.02190590277314186},{"text":"Okay.","start":116.36,"end":116.86,"sentiment":"neutral","sentiment_score":0.05824144557118416},{"text":"Mhmm.","start":122.6,"end":123.1,"sentiment":"neutral","sentiment_score":0.050753381103277206},{"text":"Oh, nice.","start":131.315,"end":131.975,"sentiment":"positive","sentiment_score":0.5528629720211029},{"text":"Yeah.","start":132.755,"end":133.235,"sentiment":"neutral","sentiment_score":0.17414627969264984}],"sentiment":"neutral","sentiment_score":0.16405451794465384,"num_words":9,"start":113.479996,"end":133.235},{"sentences":[{"text":"Just taking a bit of time.","start":133.235,"end":135.41501,"sentiment":"neutral","sentiment_score":0.05514896598954996},{"text":"And...","start":142.87,"end":143.37,"sentiment":"neutral","sentiment_score":0.0033145369961857796},{"text":"It's pretty funny because I've got Starlink, but then sometime it works faster on my data, my phone data.","start":143.67,"end":152.975,"sentiment":"neutral","sentiment_score":0.1380854829361564},{"text":"Yeah.","start":154.71501,"end":154.955,"sentiment":"neutral","sentiment_score":0.1004445254802704},{"text":"So I'm just...","start":154.955,"end":155.77501,"sentiment":"neutral","sentiment_score":0.07263313978910446}],"sentiment":"neutral","sentiment_score":0.10920588178560138,"num_words":30,"start":133.235,"end":155.77501},{"sentences":[{"text":"Yeah.","start":157.99501,"end":158.49501,"sentiment":"neutral","sentiment_score":0.11985288560390472},{"text":"Which one is faster?","start":158.55501,"end":160.095,"sentiment":"neutral","sentiment_score":0.13013321720063686},{"text":"Maybe I should go over to Wi Fi and try that.","start":161.99501,"end":165.48,"sentiment":"neutral","sentiment_score":0.12153536216779189},{"text":"See if that goes faster.","start":165.64,"end":176.48,"sentiment":"neutral","sentiment_score":0.05887089744210243},{"text":"Yeah.","start":179.31999,"end":179.64,"sentiment":"neutral","sentiment_score":0.07354705780744553}],"sentiment":"neutral","sentiment_score":0.10659892196682366,"num_words":22,"start":157.99501,"end":179.64},{"sentences":[{"text":"Sure.","start":179.64,"end":180.14,"sentiment":"neutral","sentiment_score":0.1366986632347107},{"text":"Okay.","start":194.875,"end":195.375,"sentiment":"neutral","sentiment_score":0.10945410281419754},{"text":"Yeah.","start":195.515,"end":196.015,"sentiment":"neutral","sentiment_score":0.0917930155992508},{"text":"Yeah.","start":219.525,"end":219.845,"sentiment":"neutral","sentiment_score":0.00946999154984951},{"text":"I guess with the will side of things, I'm kind of...","start":219.845,"end":227.18001,"sentiment":"neutral","sentiment_score":-0.003501766530627554}],"sentiment":"neutral","sentiment_score":0.020593089424073695,"num_words":15,"start":179.64,"end":227.18001},{"sentences":[{"text":"Yeah.","start":227.18001,"end":227.42,"sentiment":"neutral","sentiment_score":0.01817001774907112},{"text":"I would like to do a will or, you know, power of attorney.","start":227.42,"end":234.56,"sentiment":"neutral","sentiment_score":0.022996168870192308},{"text":"Like, which one is, you know, like, I don't know the difference.","start":234.86,"end":239.94499,"sentiment":"neutral","sentiment_score":0.006332612286011378},{"text":"Okay.","start":257.68,"end":258.18,"sentiment":"neutral","sentiment_score":0.016074975952506065},{"text":"Mhmm.","start":259.36002,"end":259.44,"sentiment":"neutral","sentiment_score":0.03069956973195076}],"sentiment":"neutral","sentiment_score":0.015710218077791587,"num_words":28,"start":227.18001,"end":259.44},{"sentences":[{"text":"So it's probably worthwhile having Mhmm.","start":259.44,"end":276.185,"sentiment":"neutral","sentiment_score":0.07231757044792175},{"text":"Yes.","start":276.185,"end":276.685,"sentiment":"neutral","sentiment_score":0.2687772512435913},{"text":"Mhmm.","start":276.82498,"end":277.32498,"sentiment":"neutral","sentiment_score":0.25687623023986816},{"text":"Yep.","start":280.22,"end":280.3,"sentiment":"neutral","sentiment_score":0.13215383887290957},{"text":"Yep.","start":280.3,"end":280.8,"sentiment":"neutral","sentiment_score":0.0974583849310875}],"sentiment":"neutral","sentiment_score":0.1189171127974987,"num_words":10,"start":259.44,"end":280.8},{"sentences":[{"text":"Yep.","start":282.53998,"end":282.78,"sentiment":"neutral","sentiment_score":0.08040843904018402},{"text":"Okay.","start":282.78,"end":283.25998,"sentiment":"neutral","sentiment_score":0.0787445455789566},{"text":"I'll just...","start":283.25998,"end":283.9,"sentiment":"neutral","sentiment_score":0.03254095185548067},{"text":"Yeah.","start":283.9,"end":284.3,"sentiment":"neutral","sentiment_score":0.05269763991236687},{"text":"I'll try to do that.","start":284.3,"end":285.52,"sentiment":"neutral","sentiment_score":0.07812108248472213}],"sentiment":"neutral","sentiment_score":0.06675379406660795,"num_words":10,"start":282.53998,"end":285.52},{"sentences":[{"text":"Alright.","start":287.09998,"end":287.5,"sentiment":"neutral","sentiment_score":0.16877588629722595},{"text":"That's fine.","start":287.5,"end":288.31998,"sentiment":"neutral","sentiment_score":0.24694830179214478},{"text":"And with the will, is that something I can do through you guys, or is that separate again with post office?","start":288.53998,"end":295.605,"sentiment":"neutral","sentiment_score":0.026561015108156772},{"text":"Okay.","start":319.56,"end":320.06,"sentiment":"neutral","sentiment_score":0.02062266133725643},{"text":"Yeah.","start":332.475,"end":332.975,"sentiment":"neutral","sentiment_score":0.08493764698505402}],"sentiment":"neutral","sentiment_score":0.05100054290288916,"num_words":26,"start":287.09998,"end":332.975},{"sentences":[{"text":"Yes, please.","start":333.035,"end":333.775,"sentiment":"neutral","sentiment_score":0.14738846570253372},{"text":"Yeah.","start":341.27,"end":341.59,"sentiment":"neutral","sentiment_score":0.03518616408109665},{"text":"Like, I've opened it.","start":341.59,"end":343.03,"sentiment":"neutral","sentiment_score":0.06185075547546148},{"text":"So I'm at the first place to document Best interest, Judy.","start":343.03,"end":349.92502,"sentiment":"neutral","sentiment_score":0.10763287408785387},{"text":"Five.","start":361.34998,"end":361.84998,"sentiment":"neutral","sentiment_score":0.03182987868785858}],"sentiment":"neutral","sentiment_score":0.09437671637064532,"num_words":19,"start":333.035,"end":361.84998},{"sentences":[{"text":"Considered.","start":361.90997,"end":362.40997,"sentiment":"neutral","sentiment_score":0.043100371956825256},{"text":"Okay.","start":362.94998,"end":363.44998,"sentiment":"neutral","sentiment_score":0.08371936529874802},{"text":"Mhmm.","start":397.53,"end":398.03,"sentiment":"neutral","sentiment_score":0.047982871532440186},{"text":"Yep.","start":399.68997,"end":400.18997,"sentiment":"neutral","sentiment_score":0.08317774534225464},{"text":"Yeah.","start":418.14502,"end":418.64502,"sentiment":"neutral","sentiment_score":0.01661396399140358}],"sentiment":"neutral","sentiment_score":0.05491886362433433,"num_words":5,"start":361.90997,"end":418.64502},{"sentences":[{"text":"I'm on five ten and eleven.","start":418.785,"end":421.5,"sentiment":"neutral","sentiment_score":0.021116919815540314},{"text":"So so back to 10.","start":424.76,"end":429.66,"sentiment":"neutral","sentiment_score":0.0017733454704284668},{"text":"So 10, I can see your current risk protection.","start":431.40002,"end":434.06003,"sentiment":"neutral","sentiment_score":0.02178398271401723},{"text":"Yes.","start":441.11502,"end":441.595,"sentiment":"neutral","sentiment_score":0.17293338477611542},{"text":"Yes.","start":441.595,"end":442.095,"sentiment":"positive","sentiment_score":0.3879040777683258}],"sentiment":"neutral","sentiment_score":0.04056643423709003,"num_words":22,"start":418.785,"end":442.095},{"sentences":[{"text":"Oh, yeah.","start":448.95502,"end":449.695,"sentiment":"neutral","sentiment_score":0.06539661437273026},{"text":"Yeah.","start":459.95,"end":460.45,"sentiment":"neutral","sentiment_score":0.05760370194911957},{"text":"Yeah.","start":460.67,"end":461.17,"sentiment":"neutral","sentiment_score":0.05801531299948692},{"text":"Okay.","start":466.335,"end":466.835,"sentiment":"neutral","sentiment_score":0.07324634492397308},{"text":"So there's Nios Life PPD and IPE, and that's 3 40 2.","start":469.215,"end":479.17,"sentiment":"neutral","sentiment_score":0.06827461626380682}],"sentiment":"neutral","sentiment_score":0.06699729316374835,"num_words":17,"start":448.95502,"end":479.17},{"sentences":[{"text":"Okay.","start":496.48502,"end":496.98502,"sentiment":"neutral","sentiment_score":0.01917681097984314},{"text":"Mhmm.","start":518.14,"end":518.64,"sentiment":"neutral","sentiment_score":-0.0966578871011734},{"text":"Okay.","start":534.39496,"end":534.89496,"sentiment":"neutral","sentiment_score":0.01655854843556881},{"text":"Yeah.","start":534.95496,"end":535.45496,"sentiment":"neutral","sentiment_score":0.028931960463523865},{"text":"Okay.","start":570.81,"end":571.31,"sentiment":"neutral","sentiment_score":0.07811366021633148}],"sentiment":"neutral","sentiment_score":0.00922461859881878,"num_words":5,"start":496.48502,"end":571.31},{"sentences":[{"text":"Yeah.","start":584.345,"end":584.845,"sentiment":"neutral","sentiment_score":0.04144494608044624},{"text":"Yeah.","start":599.92,"end":600.39996,"sentiment":"neutral","sentiment_score":-0.052550800144672394},{"text":"Not not...","start":600.39996,"end":601.22,"sentiment":"neutral","sentiment_score":-0.05023530684411526},{"text":"Nothing that I know of.","start":601.36,"end":602.88,"sentiment":"neutral","sentiment_score":-0.12592117190361024},{"text":"No health thing.","start":602.88,"end":603.935,"sentiment":"neutral","sentiment_score":-0.20399583876132965}],"sentiment":"neutral","sentiment_score":-0.1127641536295414,"num_words":12,"start":584.345,"end":603.935},{"sentences":[{"text":"Just aging.","start":604.635,"end":611.695,"sentiment":"neutral","sentiment_score":-0.1133931539952755},{"text":"Yes.","start":624.51,"end":625.01,"sentiment":"neutral","sentiment_score":0.010111050680279732},{"text":"Okay.","start":631.105,"end":631.425,"sentiment":"neutral","sentiment_score":-0.0361688956618309},{"text":"No.","start":631.425,"end":631.745,"sentiment":"neutral","sentiment_score":-0.0893372893333435},{"text":"That says decline...","start":631.745,"end":633.045,"sentiment":"neutral","sentiment_score":-0.07812087486187617}],"sentiment":"neutral","sentiment_score":-0.07206800836138427,"num_words":8,"start":604.635,"end":633.045},{"sentences":[{"text":"Design.","start":633.505,"end":634.005,"sentiment":"neutral","sentiment_score":-0.09734518826007844},{"text":"I'm actually just on my phone, so I don't know what...","start":637.665,"end":641.765,"sentiment":"neutral","sentiment_score":-0.07047871364788576},{"text":"Yeah.","start":643.34503,"end":643.84503,"sentiment":"neutral","sentiment_score":-0.0030604619532823563},{"text":"Hang on.","start":644.465,"end":645.15,"sentiment":"neutral","sentiment_score":-0.009279923047870398},{"text":"I can probably forward this email to my work if I'm on...","start":645.23004,"end":649.33,"sentiment":"neutral","sentiment_score":0.016502290091011673}],"sentiment":"neutral","sentiment_score":-0.025785328346063143,"num_words":27,"start":633.505,"end":649.33},{"sentences":[{"text":"Give me a moment if you've got time.","start":651.79004,"end":653.79004,"sentiment":"neutral","sentiment_score":-0.0030680473137181252},{"text":"Is that alright?","start":653.79004,"end":654.67004,"sentiment":"neutral","sentiment_score":0.010970720633243522},{"text":"Or...","start":654.67004,"end":655.17004,"sentiment":"neutral","sentiment_score":-0.0025024632923305035},{"text":"Yep.","start":662.685,"end":663.185,"sentiment":"neutral","sentiment_score":0.09028880298137663},{"text":"Yeah.","start":666.445,"end":666.765,"sentiment":"neutral","sentiment_score":0.0692557618021965}],"sentiment":"neutral","sentiment_score":0.011814991777230586,"num_words":14,"start":651.79004,"end":666.765},{"sentences":[{"text":"Yes, please.","start":666.765,"end":667.565,"sentiment":"neutral","sentiment_score":0.1288423091173172},{"text":"Yeah.","start":667.565,"end":668.065,"sentiment":"neutral","sentiment_score":0.2950107455253601},{"text":"Mhmm.","start":686.38,"end":686.88,"sentiment":"neutral","sentiment_score":0.072695292532444},{"text":"Oh, so name, lowercase, u w e I n n a dot mythirn, a l b e r t, @n,dasinknockitdown,.edu.au.","start":690.295,"end":707.13,"sentiment":"neutral","sentiment_score":0.06733449576422572},{"text":"Yes.","start":713.83,"end":714.33,"sentiment":"neutral","sentiment_score":0.1941438764333725}],"sentiment":"neutral","sentiment_score":0.08664897792041301,"num_words":25,"start":666.765,"end":714.33},{"sentences":[{"text":"Yeah.","start":714.39,"end":714.89,"sentiment":"positive","sentiment_score":0.4383693039417267},{"text":"Mhmm.","start":723.005,"end":723.505,"sentiment":"neutral","sentiment_score":0.10461936891078948},{"text":"Okay.","start":746.875,"end":747.355,"sentiment":"neutral","sentiment_score":0.2655627429485321},{"text":"Yes.","start":747.355,"end":747.855,"sentiment":"positive","sentiment_score":0.3445098400115967},{"text":"No.","start":832.635,"end":833.135,"sentiment":"neutral","sentiment_score":-0.2875638008117676}],"sentiment":"neutral","sentiment_score":0.17309949100017546,"num_words":5,"start":714.39,"end":833.135},{"sentences":[{"text":"Let me do it again.","start":835.595,"end":837.055,"sentiment":"neutral","sentiment_score":-0.2717124670743942},{"text":"Oh, hang on.","start":841.195,"end":841.915,"sentiment":"neutral","sentiment_score":-0.16329111655553183},{"text":"It's updating.","start":841.915,"end":842.735,"sentiment":"neutral","sentiment_score":-0.09489632770419121},{"text":"Oh, Oh, no.","start":843.035,"end":845.75,"sentiment":"neutral","sentiment_score":-0.1132624198993047},{"text":"Maybe you're back in the junk.","start":845.75,"end":847.19,"sentiment":"neutral","sentiment_score":-0.23101738840341568}],"sentiment":"neutral","sentiment_score":-0.19811157529291354,"num_words":19,"start":835.595,"end":847.19},{"sentences":[{"text":"Let me check a look.","start":847.19,"end":848.41003,"sentiment":"neutral","sentiment_score":-0.0928262010216713},{"text":"@nd.edu.au.","start":858.39,"end":861.72504,"sentiment":"neutral","sentiment_score":-0.002356485929340124},{"text":"Yes.","start":861.72504,"end":862.22504,"sentiment":"neutral","sentiment_score":0.03391138091683388},{"text":"Oh, here we go.","start":868.04504,"end":869.085,"sentiment":"neutral","sentiment_score":0.027517512440681458},{"text":"Yep.","start":869.085,"end":869.585,"sentiment":"neutral","sentiment_score":0.07831093668937683}],"sentiment":"neutral","sentiment_score":-0.02034959363906334,"num_words":12,"start":847.19,"end":869.585},{"sentences":[{"text":"Got it.","start":869.72504,"end":870.385,"sentiment":"neutral","sentiment_score":0.15304191410541534},{"text":"Appendix.","start":871.085,"end":871.585,"sentiment":"neutral","sentiment_score":0.14293639361858368},{"text":"So appendix and then...","start":871.885,"end":878.47,"sentiment":"neutral","sentiment_score":0.03457928588613868},{"text":"Okay.","start":880.37,"end":880.87,"sentiment":"neutral","sentiment_score":0.03160392493009567},{"text":"Yep.","start":880.93,"end":881.43,"sentiment":"neutral","sentiment_score":0.02635383978486061}],"sentiment":"neutral","sentiment_score":0.07169945889876948,"num_words":9,"start":869.72504,"end":881.43},{"sentences":[{"text":"Yeah.","start":884.05,"end":884.55,"sentiment":"neutral","sentiment_score":0.007847823202610016},{"text":"Just a moment.","start":887.265,"end":888.065,"sentiment":"neutral","sentiment_score":0.0009522087251146635},{"text":"So I'm in...","start":888.065,"end":889.045,"sentiment":"neutral","sentiment_score":-0.02688104659318924},{"text":"The payday?","start":891.185,"end":892.005,"sentiment":"neutral","sentiment_score":-0.015817733947187662},{"text":"Okay.","start":901.95,"end":902.45,"sentiment":"neutral","sentiment_score":0.0191008560359478}],"sentiment":"neutral","sentiment_score":-0.008247330226004124,"num_words":10,"start":884.05,"end":902.45},{"sentences":[{"text":"Yeah.","start":902.51,"end":903.01,"sentiment":"neutral","sentiment_score":0.021943349391222},{"text":"Yes.","start":907.15,"end":907.55005,"sentiment":"neutral","sentiment_score":0.04607463628053665},{"text":"Yes.","start":907.55005,"end":908.05005,"sentiment":"neutral","sentiment_score":0.04162920266389847},{"text":"Summary report.","start":908.27,"end":909.33,"sentiment":"neutral","sentiment_score":0.023113169707357883},{"text":"Okay.","start":924.26495,"end":924.425,"sentiment":"neutral","sentiment_score":0.17029480636119845}],"sentiment":"neutral","sentiment_score":0.05436138901859522,"num_words":6,"start":902.51,"end":924.425},{"sentences":[{"text":"Yep.","start":924.425,"end":924.90497,"sentiment":"neutral","sentiment_score":0.21360477805137632},{"text":"Mhmm.","start":924.90497,"end":925.40497,"sentiment":"neutral","sentiment_score":0.17977797985076904},{"text":"Yep.","start":957.63,"end":957.95,"sentiment":"neutral","sentiment_score":0.20409294962882996},{"text":"Yep.","start":957.95,"end":958.45,"sentiment":"neutral","sentiment_score":0.2040785551071167},{"text":"I see.","start":958.59,"end":959.33,"sentiment":"neutral","sentiment_score":0.21232610195875168}],"sentiment":"neutral","sentiment_score":0.20436774442593256,"num_words":6,"start":924.425,"end":959.33},{"sentences":[{"text":"Yeah.","start":987.22,"end":987.3,"sentiment":"neutral","sentiment_score":0.09315149486064912},{"text":"That's...","start":987.3,"end":987.38,"sentiment":"neutral","sentiment_score":0.08944326639175415},{"text":"I mean, that's fine.","start":987.38,"end":990.76,"sentiment":"neutral","sentiment_score":0.15038898959755898},{"text":"Yeah.","start":1000.58,"end":1000.82,"sentiment":"neutral","sentiment_score":0.17309266328811646},{"text":"We could probably do that.","start":1000.82,"end":1002.18,"sentiment":"neutral","sentiment_score":0.15947718173265457}],"sentiment":"neutral","sentiment_score":0.14621910763283572,"num_words":12,"start":987.22,"end":1002.18},{"sentences":[{"text":"Why not?","start":1002.18,"end":1002.765,"sentiment":"neutral","sentiment_score":0.03839145600795746},{"text":"Yeah.","start":1042.81,"end":1043.13,"sentiment":"neutral","sentiment_score":0.2854415774345398},{"text":"That should be fine.","start":1043.13,"end":1044.3501,"sentiment":"positive","sentiment_score":0.4017520099878311},{"text":"Yeah.","start":1047.13,"end":1047.4501,"sentiment":"neutral","sentiment_score":0.19072015583515167},{"text":"I'll think about it because...","start":1047.4501,"end":1049.2101,"sentiment":"neutral","sentiment_score":0.08257238492369652}],"sentiment":"neutral","sentiment_score":0.1979088161427241,"num_words":13,"start":1002.18,"end":1049.2101},{"sentences":[{"text":"Yeah.","start":1049.2101,"end":1049.61,"sentiment":"neutral","sentiment_score":0.04515247792005539},{"text":"I mean, I think...","start":1049.61,"end":1051.0701,"sentiment":"neutral","sentiment_score":0.014197078067809343},{"text":"Yeah.","start":1052.7301,"end":1052.9701,"sentiment":"neutral","sentiment_score":0.012015119194984436},{"text":"But that's you guys' advice kind of thing.","start":1052.9701,"end":1055.53,"sentiment":"neutral","sentiment_score":0.11992734670639038},{"text":"It saves a bit a a few 100 here and there.","start":1055.53,"end":1060.765,"sentiment":"neutral","sentiment_score":0.2836109413342042}],"sentiment":"neutral","sentiment_score":0.16772380150854588,"num_words":25,"start":1049.2101,"end":1060.765},{"sentences":[{"text":"And, I mean, the performance indicated is pretty good.","start":1060.765,"end":1065.025,"sentiment":"positive","sentiment_score":0.5699080361260308},{"text":"Okay.","start":1077.76,"end":1078.26,"sentiment":"neutral","sentiment_score":0.11032938957214355},{"text":"Yeah.","start":1078.56,"end":1079.06,"sentiment":"neutral","sentiment_score":0.08981953561306},{"text":"Yeah.","start":1079.44,"end":1079.76,"sentiment":"neutral","sentiment_score":0.0603795200586319},{"text":"No.","start":1079.76,"end":1080.16,"sentiment":"neutral","sentiment_score":0.040616922080516815}],"sentiment":"positive","sentiment_score":0.4177167455737407,"num_words":13,"start":1060.765,"end":1080.16},{"sentences":[{"text":"I'm fine.","start":1080.16,"end":1080.88,"sentiment":"neutral","sentiment_score":0.16552981734275818},{"text":"That's...","start":1080.88,"end":1081.38,"sentiment":"neutral","sentiment_score":0.11271150410175323},{"text":"Yeah.","start":1081.44,"end":1081.94,"sentiment":"neutral","sentiment_score":0.18969962000846863},{"text":"Give that a crack.","start":1082.4349,"end":1095.265,"sentiment":"neutral","sentiment_score":0.20739984139800072},{"text":"Yes.","start":1106.4299,"end":1106.9299,"sentiment":"neutral","sentiment_score":0.2056625783443451}],"sentiment":"neutral","sentiment_score":0.18541474474800956,"num_words":9,"start":1080.16,"end":1106.9299},{"sentences":[{"text":"Terrific.","start":1107.63,"end":1108.11,"sentiment":"positive","sentiment_score":0.4936828017234802},{"text":"Yes.","start":1108.11,"end":1108.61,"sentiment":"neutral","sentiment_score":0.16333863139152527},{"text":"No.","start":1112.585,"end":1112.905,"sentiment":"neutral","sentiment_score":-0.02047993801534176},{"text":"That's fine.","start":1112.905,"end":1113.885,"sentiment":"neutral","sentiment_score":0.02678812760859728},{"text":"Yeah.","start":1113.9451,"end":1114.4451,"sentiment":"neutral","sentiment_score":0.1621873378753662}],"sentiment":"neutral","sentiment_score":0.1420508480320374,"num_words":6,"start":1107.63,"end":1114.4451},{"sentences":[{"text":"Mhmm.","start":1119.305,"end":1119.805,"sentiment":"neutral","sentiment_score":0.10406219959259032},{"text":"Yeah.","start":1133.06,"end":1133.56,"sentiment":"neutral","sentiment_score":0.18664267659187317},{"text":"Perfect.","start":1134.02,"end":1134.52,"sentiment":"positive","sentiment_score":0.39816901087760925},{"text":"Yeah.","start":1139.975,"end":1140.475,"sentiment":"neutral","sentiment_score":0.09109034389257432},{"text":"Okay.","start":1140.615,"end":1140.9349,"sentiment":"neutral","sentiment_score":0.1538369059562683}],"sentiment":"neutral","sentiment_score":0.18676022738218306,"num_words":5,"start":1119.305,"end":1140.9349},{"sentences":[{"text":"Perfect.","start":1140.9349,"end":1141.4349,"sentiment":"neutral","sentiment_score":0.3229749798774719},{"text":"Oh, no.","start":1148.455,"end":1148.9349,"sentiment":"neutral","sentiment_score":0.005472928285598755},{"text":"That's fine.","start":1148.9349,"end":1149.8099,"sentiment":"neutral","sentiment_score":0.07734009623527527},{"text":"Thank you.","start":1149.8099,"end":1150.69,"sentiment":"neutral","sentiment_score":0.1835082620382309},{"text":"I will just have a read and get...","start":1150.69,"end":1152.87,"sentiment":"neutral","sentiment_score":0.04952579503878951}],"sentiment":"neutral","sentiment_score":0.0834549275537332,"num_words":15,"start":1140.9349,"end":1152.87},{"sentences":[{"text":"Be fine.","start":1153.57,"end":1154.3099,"sentiment":"neutral","sentiment_score":0.08937573060393333},{"text":"Yep.","start":1164.445,"end":1164.945,"sentiment":"neutral","sentiment_score":0.04152261465787888},{"text":"Yep.","start":1166.765,"end":1167.265,"sentiment":"neutral","sentiment_score":0.10409992933273315},{"text":"Okay.","start":1167.405,"end":1167.905,"sentiment":"neutral","sentiment_score":0.1697310507297516},{"text":"No worries.","start":1167.965,"end":1168.785,"sentiment":"neutral","sentiment_score":0.3305169641971588}],"sentiment":"neutral","sentiment_score":0.16501985490322113,"num_words":7,"start":1153.57,"end":1168.785},{"sentences":[{"text":"Okay.","start":1175.885,"end":1176.285,"sentiment":"positive","sentiment_score":0.545275092124939},{"text":"Perfect.","start":1176.285,"end":1176.785,"sentiment":"positive","sentiment_score":0.7340991497039795},{"text":"Okay.","start":1177.37,"end":1177.77,"sentiment":"positive","sentiment_score":0.5430448055267334},{"text":"Thank you, Tommy.","start":1177.77,"end":1178.75,"sentiment":"positive","sentiment_score":0.7992179195086161},{"text":"You too.","start":1181.53,"end":1182.27,"sentiment":"positive","sentiment_score":0.5025070905685425}],"sentiment":"positive","sentiment_score":0.6531358733773232,"num_words":8,"start":1175.885,"end":1182.27},{"sentences":[{"text":"K.","start":1182.41,"end":1182.65,"sentiment":"neutral","sentiment_score":0.1737084984779358},{"text":"Bye.","start":1182.65,"end":1183.15,"sentiment":"neutral","sentiment_score":0.23781388998031616}],"sentiment":"neutral","sentiment_score":0.20576119422912598,"num_words":2,"start":1182.41,"end":1183.15}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Rubino. It's Tommy here, senior adviser. Thank you for calling back in.\n\nChannel 1: Yeah. No worries. Yeah. Sorry. I missed your call.\n\nChannel 0: That's no worries at all. I had a little bit of time between now and my next appointment on the hour, so I thought why not have a quick chat now if you do have five, ten minutes for me?\n\nChannel 1: Yes. For sure. Yep.\n\nChannel 0: Perfect. So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yep. So I'll get that through to you just so you have it so you can have some time to read through it. And I'm just gonna send it through to the Gmail if that's still your your main email address.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Now up to you. I can kind of run you through the cliff notes of what we're doing and and a few key details if you don't have too much time now, or we can walk through the the document in-depth together. What would you prefer?\n\nChannel 1: No. Either either. I've got time. I'm working from home, but, you know, I've got my son who likes to interrupt, but he's busy at the moment. So so it should be fine.\n\nChannel 0: No worries at all. So if you can have a quick look at the email there, I just wanna kind of pull you to the key points before I have to jet set for a little bit. And there was really a couple of little tweaks that we made from our last discussion that I wanna run by you as well. Now you should see\n\nChannel 1: Okay.\n\nChannel 0: it... I believe it'll go through your main inbox because we've used the system before, the new system. And if you can\n\nChannel 1: Yep.\n\nChannel 0: go into\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: email\n\nChannel 1: it, but it just\n\nChannel 0: Yep.\n\nChannel 1: says signed document. Do I open that?\n\nChannel 0: Yeah. So when you hit that, it'll\n\nChannel 1: Okay.\n\nChannel 0: open up. There's about seven documents inside there, but we just wanna scroll through the first one together.\n\nChannel 1: Mhmm.\n\nChannel 0: K. You should be able to see, like, a beachfront city Gold Coast picture on the front of the the first document there.\n\nChannel 1: Oh, nice. Yeah. Just taking a bit of time.\n\nChannel 0: Oh, yes. There's so many pages on... When you add all the documents together, it can take a minute to load.\n\nChannel 1: And... It's pretty funny because I've got Starlink, but then sometime it works faster on my data, my phone data.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I'm just...\n\nChannel 0: Fluctuates every now and then.\n\nChannel 1: Yeah. Which one is faster? Maybe I should go over to Wi Fi and try that. See if that\n\nChannel 0: Yeah. Now just while you're doing that, do\n\nChannel 1: goes\n\nChannel 0: you want me to just run through, I guess, the the sort of scope\n\nChannel 1: faster.\n\nChannel 0: that we were covering?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: So the main thing was the sort of increase in the life and disability insurance to kind of match the mortgage and just trimming down the income protection because it was a bit over insured if that rings a bell.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet. And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change. After the last change.\n\nChannel 1: Yeah. I guess with the will side of things, I'm kind of... Yeah. I would like to do a will\n\nChannel 0: Yeah.\n\nChannel 1: or, you know, power of attorney. Like, which one is, you know, like, I don't know the difference.\n\nChannel 0: Yeah. That's a really good one because the power of attorney is if you're... Like, let's say you're in hospital and you can't act on your own behalf, it means someone can, you know, access the bank accounts, talk to the doctors, whereas the will handles the passing of the\n\nChannel 1: Okay.\n\nChannel 0: assets.\n\nChannel 1: Mhmm. So\n\nChannel 0: I know\n\nChannel 1: it's\n\nChannel 0: the\n\nChannel 1: probably worthwhile\n\nChannel 0: Australia\n\nChannel 1: having\n\nChannel 0: Post has some... Yeah. Like, you know how sometimes people could spend thousands of dollars on a will at the... With a solicitor? Well, Australia Post has government approved, like, power of attorney kits for, like, $25 a pop.\n\nSo\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: just\n\nChannel 1: Mhmm.\n\nChannel 0: to get something in place, it's nice to have those.\n\nChannel 1: Yep. Yep. Yep. Okay. I'll\n\nChannel 0: K.\n\nChannel 1: just... Yeah. I'll try to do that. Alright. That's fine.\n\nAnd with the will, is that something I can do through you guys, or is that separate again with post office?\n\nChannel 0: Yeah. So there's three options. You've got solicitors in the area. We do have some lawyers that do kind of accounted online wills that we can send you through a pack for, and there's also the post office will kits, which are pretty basic as well. I think the online ones might be somewhere between maybe 4 600 from\n\nChannel 1: Okay.\n\nChannel 0: memory, just depending on the complexity. Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile?\n\nChannel 1: Yeah. Yes, please.\n\nChannel 0: Perfect. And how are you going with the old style link over there?\n\nChannel 1: Yeah. Like, I've opened it. So I'm at the first place to document Best interest, Judy.\n\nChannel 0: There? Perfect. So if you can keep scrolling down for me, you'll see a scope of advice heading, which was again just focusing on the super and the insurance at this point.\n\nChannel 1: Five. Considered. Okay.\n\nChannel 0: Yep. And then if you go past there, you'll see estate planning. And then what we're not covering in this document on the page after, which is cash flow and debt management. Like, we're not giving you advice around, you know, your budget for the mortgage and things like that at this point. That's something that you're handling personally, but we can always help with budget spreadsheets and and helping you get a handle on things that way as well.\n\nNow the main thing I wanted to kind of go down to if you can, can you see on the bottom of the pages\n\nChannel 1: Mhmm.\n\nChannel 0: the page numbers there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the digital system, it also has page numbers at the top right. So what I'm sort of saying is when you're on page five on the document, it'll say you're on page six in the system. I'm not sure if you can see both of those just so you can get a ease\n\nChannel 1: Yeah.\n\nChannel 0: of navigating.\n\nChannel 1: I'm on five ten and eleven.\n\nChannel 0: Ten eleven. And what can you see on\n\nChannel 1: So\n\nChannel 0: those pages?\n\nChannel 1: so back to 10. So 10, I can see your current risk protection.\n\nChannel 0: Yes. And then on the 11, you'll see the risk profile being high growth.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. So if you wanna keep scrolling down for me, two more pages, you'll see strategy recommendations.\n\nChannel 1: Oh, yeah.\n\nChannel 0: And can you see the bottom half of that page? There's a blue table there showing the Neos, what it is currently versus what we're recommending.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: So there's Nios Life PPD and IPE, and that's\n\nChannel 0: Correct.\n\nChannel 1: 3\n\nChannel 0: And then\n\nChannel 1: 40\n\nChannel 0: if you go\n\nChannel 1: 2.\n\nChannel 0: if you go down on that column, you'll see 343000 for the life benefit, 343,000 for the TPD, which is disability, and then income protection underneath that, 6,219 a month worth of cover.\n\nChannel 1: Okay.\n\nChannel 0: Now on the right hand side, if we were to match it to 75 percent of your income, the income protection would drop down to $556.02 per month, and the life and TPD, we were gonna bump up to around $4.85 to cover the mortgage.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what that does, one trim down, one bump up, it probably costs an extra $300 per year for the extra 150,000 of life and disability insurance. That's what we're looking at figures wise.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: K. So not too much of a jump there for that bump up to protect the mortgage. There was an alternative I did wanna run by you. So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote. The other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year.\n\nChannel 1: Okay.\n\nChannel 0: The only thing that we we didn't check at the time was what kind of health change have you had since June 2020.\n\nChannel 1: Yeah.\n\nChannel 0: Now if there's no health changes at all, then it would be pretty easy to switch to another provider. Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude\n\nChannel 1: Yeah. Not not... Nothing that I know of. No health thing. Just\n\nChannel 0: Yeah. Yeah. So what tends to happen is if we go through with the other providers,\n\nChannel 1: aging.\n\nChannel 0: are you able to see on there the buttons on the document? There's... I'm hoping that there's, like, a little arrows at the top of that digital system where you can maybe\n\nChannel 1: Yes.\n\nChannel 0: switch switch to the documents.\n\nChannel 1: Okay. No. That says decline... Design. I'm actually just on my phone, so I don't\n\nChannel 0: Oh,\n\nChannel 1: know\n\nChannel 0: yep.\n\nChannel 1: what... Yeah. Hang on. I can probably forward this email to my work if I'm on... Give me a moment if you've got time.\n\nIs that alright? Or...\n\nChannel 0: Actually, what I could do... Do you want me to email through, like, a PDF to the work email? That way, it's\n\nChannel 1: Yep.\n\nChannel 0: a bit easier to view so it's not within the digital system.\n\nChannel 1: Yeah. Yes, please. Yeah.\n\nChannel 0: Perfect. So I'm just going to say statement of advice and appendix. So I just wanna show you the research appendix. Please see attached. Can you let me know what the email address is,\n\nChannel 1: Mhmm.\n\nChannel 0: please? Alright.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: so\n\nChannel 0: I'm good to go.\n\nChannel 1: name, lowercase, u w e I n n a dot\n\nChannel 0: Yep.\n\nChannel 1: mythirn, a l b e r t,\n\nChannel 0: Yep.\n\nChannel 1: @n,dasinknockitdown,.edu.au.\n\nChannel 0: Alright. And so that's n for Nelly, d for delta, dot e d u dot a u?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Perfect. And then what I'm gonna do is I'm just gonna attach these two documents there. Just\n\nChannel 1: Mhmm.\n\nChannel 0: bear with me for one moment. And statement of advice and appendix. I'll swing those on. And I'm hoping, because it's the first time that I've emailed this email address from mine, that it won't take too long to come through.\n\nChannel 1: Okay. Yes.\n\nChannel 0: And hopefully, without all those supplementary attachments, it's a little bit faster than when you attach another 2,000 pages along with it of product documents. Alright. So that has sent through now, and it might be in the junk folder or main inbox. Alright. Now has the email come through at all?\n\nOr...\n\nChannel 1: No. Let me\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: is\n\nChannel 1: it again.\n\nChannel 0: sometimes it's like a ten, fifteen minutes later kinda thing. It's never fun.\n\nChannel 1: Oh, hang on. It's updating. Oh, Oh, no. Maybe you're back in the junk. Let me check a look.\n\nChannel 0: And I'll just double check. So first name dot last name@ndat.edu.au?\n\nChannel 1: @nd.edu.au. Yes.\n\nChannel 0: Yep. N d dot e d u dot a u.\n\nChannel 1: Oh, here we go. Yep. Got it.\n\nChannel 0: Perfect.\n\nChannel 1: Appendix.\n\nChannel 0: Now\n\nChannel 1: So appendix\n\nChannel 0: that's what we wanna look at. It's just the appendix\n\nChannel 1: and\n\nChannel 0: is a bit more like a a mountainous\n\nChannel 1: then...\n\nChannel 0: forest range.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Can you see that one there?\n\nChannel 1: Yeah. Just a moment.\n\nChannel 0: Sorry.\n\nChannel 1: So\n\nChannel 0: If\n\nChannel 1: I'm\n\nChannel 0: we go\n\nChannel 1: in...\n\nChannel 0: down eight pages to\n\nChannel 1: The\n\nChannel 0: the\n\nChannel 1: payday?\n\nChannel 0: eight page. Yep. You... What you'll see around the bottom half of that is all of the insurer logos. Blue and green and red and purple and...\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Can you see those there with the different scores and prices?\n\nChannel 1: Yes. Yes. Summary\n\nChannel 0: So...\n\nChannel 1: report.\n\nChannel 0: Yep. So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom? And if you go all the way across, it has a score of 81.\n\nChannel 1: Okay. Yep. Mhmm.\n\nChannel 0: Now what that means is that that's kind of all the small print and the fine print under the hood. You want a really good feature score. You... Essentially, with these insurances, you want more features, more fine print because it means more options, more things to claim on. Now what the alternative is is if you look at the red one AIA and the kind of blue one above that Clearview, they're both pretty well in line with that same feature score in terms of quality, but they're a lot lower price.\n\nChannel 1: Yep. Yep. I see.\n\nChannel 0: So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead. Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern.\n\nChannel 1: Yeah. That's... I mean, that's fine. Yeah. We could probably do that.\n\nWhy not?\n\nChannel 0: K. So what we'll do is don't sign that document today in the pack. I'm gonna send through an amendment by the end of the week just with the Clearview included in so you can see the difference that that makes to the super with the premiums. And then from there, have a read through, sign if you're comfortable. We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer.\n\nAnd if it gets accepted, we'll cancel the other one. If there's any issues, we can always just switch back to altering Neos as a plan b. How's that sound?\n\nChannel 1: Yeah. That should be fine. Yeah. I'll think about it because... Yeah.\n\nI mean, I think... Yeah. But that's you guys' advice kind of thing. It saves a bit a a few 100 here and there. And, I mean, the performance indicated is pretty good.\n\nChannel 0: Correct. And and that's the thing is if we can keep getting that good performance, that 11%, and if we can trim down the premiums a couple of thousand, that'll compound really well over the next five and ten years.\n\nChannel 1: Okay. Yeah. Yeah. No.\n\nChannel 0: Cool.\n\nChannel 1: I'm fine. That's... Yeah. Give that\n\nChannel 0: Awesome. So what I'll do is I'm gonna get my my support team to amend the document. And then as soon as we get that through to you, I'll send you a text message just to look for the email.\n\nChannel 1: a\n\nChannel 0: And\n\nChannel 1: crack.\n\nChannel 0: then just give us a callback if you've got any questions before you sign it, and then I'll get you booked in for... Like, we can't book you in for the application until we have the quote back signed. That's all.\n\nChannel 1: Yes. Terrific. Yes.\n\nChannel 0: Cool. Any questions at this point?\n\nChannel 1: No. That's fine. Yeah.\n\nChannel 0: Amazing. So I'll get that through to you. Hopefully, Friday, Monday at the latest, we'll just\n\nChannel 1: Mhmm.\n\nChannel 0: go through. And once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go. And they come back with any issues, then we'll just pivot back to Neos instead.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Amazing. And, again, we won't cancel anything until it's in place just to make sure you're not left out.\n\nChannel 1: Yeah. Okay. Perfect.\n\nChannel 0: Amazing, Irina. Look. Thank you so much for calling me back today. Is there any questions you have before I let you go?\n\nChannel 1: Oh, no. That's fine. Thank you. I will just have a read and get... Be fine.\n\nChannel 0: Amazing. I will leave those two documents in the work email for you, but the one that I sent to your personal one, I'm just gonna cancel that just until\n\nChannel 1: Yep.\n\nChannel 0: I get it amended for you.\n\nChannel 1: Yep. Okay. No worries.\n\nChannel 0: Amazing. You have a fantastic week, and I shall hopefully talk to you Friday, Monday.\n\nChannel 1: Okay. Perfect. Okay. Thank you, Tommy.\n\nChannel 0: No worries at all. Have a lovely day.\n\nChannel 1: You too. K. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Rubino.","start":1.8399999,"end":3.04,"sentiment":"positive","sentiment_score":0.4476773142814636},{"text":"It's Tommy here, senior adviser.","start":3.04,"end":4.4,"sentiment":"positive","sentiment_score":0.3434431254863739},{"text":"Thank you for calling back in.","start":4.4,"end":5.7799997,"sentiment":"positive","sentiment_score":0.6629308958848318}],"sentiment":"positive","sentiment_score":0.5027023532560894,"channel":0,"num_words":14,"start":1.8399999,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.23908746242523193},{"text":"No worries.","start":7.04,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.18357088416814804},{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":0.17283783853054047},{"text":"Sorry.","start":8.88,"end":9.2,"sentiment":"neutral","sentiment_score":0.13496890664100647},{"text":"I missed your call.","start":9.2,"end":10.179999,"sentiment":"neutral","sentiment_score":0.08374644629657269}],"sentiment":"neutral","sentiment_score":0.13878019567992952,"channel":1,"num_words":9,"start":6.64,"end":10.179999},{"sentences":[{"text":"That's no worries at all.","start":11.12,"end":12.4,"sentiment":"neutral","sentiment_score":0.3046840399503708},{"text":"I had a little bit of time between now and my next appointment on the hour, so I thought why not have a quick chat now if you do have five, ten minutes for me?","start":12.4,"end":20.415,"sentiment":"neutral","sentiment_score":0.12910038509539196}],"sentiment":"neutral","sentiment_score":0.1510483419522643,"channel":0,"num_words":40,"start":11.12,"end":20.415},{"sentences":[{"text":"Yes.","start":20.415,"end":20.735,"sentiment":"neutral","sentiment_score":0.1595013290643692},{"text":"For sure.","start":20.735,"end":21.375,"sentiment":"neutral","sentiment_score":0.1970631256699562},{"text":"Yep.","start":21.375,"end":21.875,"sentiment":"positive","sentiment_score":0.3621128797531128}],"sentiment":"neutral","sentiment_score":0.2289351150393486,"channel":1,"num_words":4,"start":20.415,"end":21.875},{"sentences":[{"text":"Perfect.","start":22.235,"end":22.635,"sentiment":"positive","sentiment_score":0.5999425649642944},{"text":"So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell.","start":22.635,"end":32.63,"sentiment":"neutral","sentiment_score":0.28995100734755397}],"sentiment":"neutral","sentiment_score":0.29934469091169763,"channel":0,"num_words":33,"start":22.235,"end":32.63},{"sentences":[{"text":"Okay.","start":33.23,"end":33.63,"sentiment":"neutral","sentiment_score":0.17200526595115662},{"text":"Yeah.","start":33.63,"end":34.13,"sentiment":"neutral","sentiment_score":0.19209742546081543}],"sentiment":"neutral","sentiment_score":0.18205134570598602,"channel":1,"num_words":2,"start":33.23,"end":34.13},{"sentences":[{"text":"Yep.","start":34.45,"end":34.85,"sentiment":"neutral","sentiment_score":0.2233578860759735},{"text":"So I'll get that through to you just so you have it so you can have some time to read through it.","start":34.85,"end":39.03,"sentiment":"neutral","sentiment_score":0.2888397899540988},{"text":"And I'm just gonna send it through to the Gmail if that's still your your main email address.","start":39.97,"end":45.255,"sentiment":"neutral","sentiment_score":0.14980210488041243}],"sentiment":"neutral","sentiment_score":0.22620173543691635,"channel":0,"num_words":41,"start":34.45,"end":45.255},{"sentences":[{"text":"Yeah.","start":45.265,"end":45.504997,"sentiment":"neutral","sentiment_score":0.10946635901927948},{"text":"No worries.","start":45.504997,"end":46.245,"sentiment":"neutral","sentiment_score":0.11882839351892471}],"sentiment":"neutral","sentiment_score":0.1157077153523763,"channel":1,"num_words":3,"start":45.265,"end":46.245},{"sentences":[{"text":"Now up to you.","start":55.795002,"end":57.530003,"sentiment":"neutral","sentiment_score":0.14588352665305138},{"text":"I can kind of run you through the cliff notes of what we're doing and and a few key details if you don't have too much time now, or we can walk through the the document in-depth together.","start":57.530003,"end":67.29,"sentiment":"neutral","sentiment_score":0.14581317385952725},{"text":"What would you prefer?","start":67.29,"end":68.35,"sentiment":"neutral","sentiment_score":0.031111744232475758}],"sentiment":"neutral","sentiment_score":0.1358452541348727,"channel":0,"num_words":46,"start":55.795002,"end":68.35},{"sentences":[{"text":"No.","start":70.105,"end":70.605,"sentiment":"neutral","sentiment_score":-0.06518223881721497},{"text":"Either either.","start":70.665,"end":71.225,"sentiment":"neutral","sentiment_score":-0.05874167010188103},{"text":"I've got time.","start":71.225,"end":72.345,"sentiment":"neutral","sentiment_score":-0.04005147020022074},{"text":"I'm working from home, but, you know, I've got my son who likes to interrupt, but he's busy at the moment.","start":72.345,"end":80.265,"sentiment":"neutral","sentiment_score":-0.024293095217130724},{"text":"So so it should be fine.","start":80.265,"end":82.41,"sentiment":"neutral","sentiment_score":0.14852570990721384}],"sentiment":"neutral","sentiment_score":0.00236906879581511,"channel":1,"num_words":33,"start":70.105,"end":82.41},{"sentences":[{"text":"No worries at all.","start":83.03,"end":83.99,"sentiment":"neutral","sentiment_score":0.08493755012750626},{"text":"So if you can have a quick look at the email there, I just wanna kind of pull you to the key points before I have to jet set for a little bit.","start":83.99,"end":91.53,"sentiment":"neutral","sentiment_score":0.1732938594438813},{"text":"And there was really a couple of little tweaks that we made from our last discussion that I wanna run by you as well.","start":91.67,"end":99.494995,"sentiment":"neutral","sentiment_score":0.18113069981336594},{"text":"Now you should see","start":101.555,"end":102.674995,"sentiment":"neutral","sentiment_score":0.1135431881994009}],"sentiment":"neutral","sentiment_score":0.167073186315023,"channel":0,"num_words":65,"start":83.03,"end":102.674995},{"sentences":[{"text":"Okay.","start":102.435,"end":102.935,"sentiment":"neutral","sentiment_score":0.07917296141386032}],"sentiment":"neutral","sentiment_score":0.07917296141386032,"channel":1,"num_words":1,"start":102.435,"end":102.935},{"sentences":[{"text":"it...","start":102.674995,"end":103.075,"sentiment":"neutral","sentiment_score":0.0572146400809288},{"text":"I believe it'll go through your main inbox because we've used the system before, the new system.","start":103.075,"end":108.215,"sentiment":"neutral","sentiment_score":0.09338307249195435},{"text":"And if you can","start":108.515,"end":109.795,"sentiment":"neutral","sentiment_score":0.06358905136585236}],"sentiment":"neutral","sentiment_score":0.08632195808670738,"channel":0,"num_words":22,"start":102.674995,"end":109.795},{"sentences":[{"text":"Yep.","start":109.72,"end":110.22,"sentiment":"neutral","sentiment_score":0.04903402552008629}],"sentiment":"neutral","sentiment_score":0.04903402552008629,"channel":1,"num_words":1,"start":109.72,"end":110.22},{"sentences":[{"text":"go into","start":109.795,"end":110.4,"sentiment":"neutral","sentiment_score":0.04211335629224777}],"sentiment":"neutral","sentiment_score":0.04211335629224777,"channel":0,"num_words":2,"start":109.795,"end":110.4},{"sentences":[{"text":"I've","start":110.439995,"end":110.6,"sentiment":"neutral","sentiment_score":0.04789627343416214}],"sentiment":"neutral","sentiment_score":0.04789627343416214,"channel":1,"num_words":1,"start":110.439995,"end":110.6},{"sentences":[{"text":"the","start":110.48,"end":110.72,"sentiment":"neutral","sentiment_score":0.0436793640255928}],"sentiment":"neutral","sentiment_score":0.0436793640255928,"channel":0,"num_words":1,"start":110.48,"end":110.72},{"sentences":[{"text":"got","start":110.6,"end":110.84,"sentiment":"neutral","sentiment_score":0.04949210584163666}],"sentiment":"neutral","sentiment_score":0.04949210584163666,"channel":1,"num_words":1,"start":110.6,"end":110.84},{"sentences":[{"text":"email","start":110.72,"end":111.22,"sentiment":"neutral","sentiment_score":0.06055222451686859}],"sentiment":"neutral","sentiment_score":0.06055222451686859,"channel":0,"num_words":1,"start":110.72,"end":111.22},{"sentences":[{"text":"it, but it just","start":110.84,"end":112.36,"sentiment":"neutral","sentiment_score":0.03187719453126192}],"sentiment":"neutral","sentiment_score":0.03187719453126192,"channel":1,"num_words":4,"start":110.84,"end":112.36},{"sentences":[{"text":"Yep.","start":112.24,"end":112.74,"sentiment":"neutral","sentiment_score":0.02832550927996635}],"sentiment":"neutral","sentiment_score":0.02832550927996635,"channel":0,"num_words":1,"start":112.24,"end":112.74},{"sentences":[{"text":"says signed document.","start":112.36,"end":113.479996,"sentiment":"neutral","sentiment_score":0.022947123274207115},{"text":"Do I open that?","start":113.479996,"end":114.619995,"sentiment":"neutral","sentiment_score":0.02190590277314186}],"sentiment":"neutral","sentiment_score":0.022352140130741254,"channel":1,"num_words":7,"start":112.36,"end":114.619995},{"sentences":[{"text":"Yeah.","start":114.96,"end":115.28,"sentiment":"neutral","sentiment_score":0.05327045917510986},{"text":"So when you hit that, it'll","start":115.28,"end":116.56,"sentiment":"neutral","sentiment_score":0.05107074789702892}],"sentiment":"neutral","sentiment_score":0.0513849923653262,"channel":0,"num_words":7,"start":114.96,"end":116.56},{"sentences":[{"text":"Okay.","start":116.36,"end":116.86,"sentiment":"neutral","sentiment_score":0.05824144557118416}],"sentiment":"neutral","sentiment_score":0.05824144557118416,"channel":1,"num_words":1,"start":116.36,"end":116.86},{"sentences":[{"text":"open up.","start":116.56,"end":116.96,"sentiment":"neutral","sentiment_score":0.05377723462879658},{"text":"There's about seven documents inside there, but we just wanna scroll through the first one together.","start":116.96,"end":121.700005,"sentiment":"neutral","sentiment_score":0.05950046342331916}],"sentiment":"neutral","sentiment_score":0.058864549112816654,"channel":0,"num_words":18,"start":116.56,"end":121.700005},{"sentences":[{"text":"Mhmm.","start":122.6,"end":123.1,"sentiment":"neutral","sentiment_score":0.050753381103277206}],"sentiment":"neutral","sentiment_score":0.050753381103277206,"channel":1,"num_words":1,"start":122.6,"end":123.1},{"sentences":[{"text":"K.","start":123.76,"end":124.155,"sentiment":"neutral","sentiment_score":0.08215320110321045},{"text":"You should be able to see, like, a beachfront city Gold Coast picture on the front of the the first document there.","start":124.235,"end":130.655,"sentiment":"neutral","sentiment_score":0.23849065940488468}],"sentiment":"neutral","sentiment_score":0.23169337860915973,"channel":0,"num_words":23,"start":123.76,"end":130.655},{"sentences":[{"text":"Oh, nice.","start":131.315,"end":131.975,"sentiment":"positive","sentiment_score":0.5528629720211029},{"text":"Yeah.","start":132.755,"end":133.235,"sentiment":"neutral","sentiment_score":0.17414627969264984},{"text":"Just taking a bit of time.","start":133.235,"end":135.41501,"sentiment":"neutral","sentiment_score":0.05514896598954996}],"sentiment":"neutral","sentiment_score":0.17897400218579504,"channel":1,"num_words":9,"start":131.315,"end":135.41501},{"sentences":[{"text":"Oh, yes.","start":136.155,"end":136.71,"sentiment":"neutral","sentiment_score":0.02961524110287428},{"text":"There's so many pages on...","start":136.79001,"end":138.31001,"sentiment":"neutral","sentiment_score":0.0008509773062542081},{"text":"When you add all the documents together, it can take a minute to load.","start":138.31001,"end":141.45001,"sentiment":"neutral","sentiment_score":-0.005859200044402054}],"sentiment":"neutral","sentiment_score":-0.0008830205659337697,"channel":0,"num_words":21,"start":136.155,"end":141.45001},{"sentences":[{"text":"And...","start":142.87,"end":143.37,"sentiment":"neutral","sentiment_score":0.0033145369961857796},{"text":"It's pretty funny because I've got Starlink, but then sometime it works faster on my data, my phone data.","start":143.67,"end":152.975,"sentiment":"neutral","sentiment_score":0.1380854829361564}],"sentiment":"neutral","sentiment_score":0.1313469356391579,"channel":1,"num_words":20,"start":142.87,"end":152.975},{"sentences":[{"text":"Yep.","start":153.315,"end":153.815,"sentiment":"neutral","sentiment_score":0.13336557149887085}],"sentiment":"neutral","sentiment_score":0.13336557149887085,"channel":0,"num_words":1,"start":153.315,"end":153.815},{"sentences":[{"text":"Yeah.","start":154.71501,"end":154.955,"sentiment":"neutral","sentiment_score":0.1004445254802704},{"text":"So I'm just...","start":154.955,"end":155.77501,"sentiment":"neutral","sentiment_score":0.07263313978910446}],"sentiment":"neutral","sentiment_score":0.07958598621189594,"channel":1,"num_words":4,"start":154.71501,"end":155.77501},{"sentences":[{"text":"Fluctuates every now and then.","start":155.475,"end":157.255,"sentiment":"neutral","sentiment_score":0.054220229387283325}],"sentiment":"neutral","sentiment_score":0.054220229387283325,"channel":0,"num_words":5,"start":155.475,"end":157.255},{"sentences":[{"text":"Yeah.","start":157.99501,"end":158.49501,"sentiment":"neutral","sentiment_score":0.11985288560390472},{"text":"Which one is faster?","start":158.55501,"end":160.095,"sentiment":"neutral","sentiment_score":0.13013321720063686},{"text":"Maybe I should go over to Wi Fi and try that.","start":161.99501,"end":165.48,"sentiment":"neutral","sentiment_score":0.12153536216779189},{"text":"See if that","start":165.64,"end":169.79999,"sentiment":"neutral","sentiment_score":0.06991058339675267}],"sentiment":"neutral","sentiment_score":0.11510560465486426,"channel":1,"num_words":19,"start":157.99501,"end":169.79999},{"sentences":[{"text":"Yeah.","start":169.73999,"end":170.23999,"sentiment":"neutral","sentiment_score":0.07813642919063568},{"text":"Now just while you're doing that, do","start":171.02,"end":172.78,"sentiment":"neutral","sentiment_score":0.04217066828693662}],"sentiment":"neutral","sentiment_score":0.046666388399899006,"channel":0,"num_words":8,"start":169.73999,"end":172.78},{"sentences":[{"text":"goes","start":172.63998,"end":173.13998,"sentiment":"neutral","sentiment_score":0.033833764493465424}],"sentiment":"neutral","sentiment_score":0.033833764493465424,"channel":1,"num_words":1,"start":172.63998,"end":173.13998},{"sentences":[{"text":"you want me to just run through, I guess, the the sort of scope","start":172.78,"end":176.22,"sentiment":"neutral","sentiment_score":0.037866599059530666}],"sentiment":"neutral","sentiment_score":0.037866599059530666,"channel":0,"num_words":14,"start":172.78,"end":176.22},{"sentences":[{"text":"faster.","start":175.98,"end":176.48,"sentiment":"neutral","sentiment_score":0.05078897252678871}],"sentiment":"neutral","sentiment_score":0.05078897252678871,"channel":1,"num_words":1,"start":175.98,"end":176.48},{"sentences":[{"text":"that we were covering?","start":176.22,"end":177.2,"sentiment":"neutral","sentiment_score":0.0054879747331142426}],"sentiment":"neutral","sentiment_score":0.0054879747331142426,"channel":0,"num_words":4,"start":176.22,"end":177.2},{"sentences":[{"text":"Yeah.","start":179.31999,"end":179.64,"sentiment":"neutral","sentiment_score":0.07354705780744553},{"text":"Sure.","start":179.64,"end":180.14,"sentiment":"neutral","sentiment_score":0.1366986632347107}],"sentiment":"neutral","sentiment_score":0.10512286052107811,"channel":1,"num_words":2,"start":179.31999,"end":180.14},{"sentences":[{"text":"So the main thing was the sort of increase in the life and disability insurance to kind of match the mortgage and just trimming down the income protection because it was a bit over insured if that rings a bell.","start":180.94,"end":194.295,"sentiment":"neutral","sentiment_score":0.16025066953152417}],"sentiment":"neutral","sentiment_score":0.16025066953152417,"channel":0,"num_words":40,"start":180.94,"end":194.295},{"sentences":[{"text":"Okay.","start":194.875,"end":195.375,"sentiment":"neutral","sentiment_score":0.10945410281419754},{"text":"Yeah.","start":195.515,"end":196.015,"sentiment":"neutral","sentiment_score":0.0917930155992508}],"sentiment":"neutral","sentiment_score":0.10062355920672417,"channel":1,"num_words":2,"start":194.875,"end":196.015},{"sentences":[{"text":"I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet.","start":198.87001,"end":208.09001,"sentiment":"neutral","sentiment_score":0.05416484192634622},{"text":"And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change.","start":208.47,"end":214.01001,"sentiment":"neutral","sentiment_score":-0.03414235751216228},{"text":"After the last change.","start":214.855,"end":216.795,"sentiment":"neutral","sentiment_score":-0.041913908906280994}],"sentiment":"neutral","sentiment_score":0.013554202703138193,"channel":0,"num_words":66,"start":198.87001,"end":216.795},{"sentences":[{"text":"Yeah.","start":219.525,"end":219.845,"sentiment":"neutral","sentiment_score":0.00946999154984951},{"text":"I guess with the will side of things, I'm kind of...","start":219.845,"end":227.18001,"sentiment":"neutral","sentiment_score":-0.003501766530627554},{"text":"Yeah.","start":227.18001,"end":227.42,"sentiment":"neutral","sentiment_score":0.01817001774907112},{"text":"I would like to do a will","start":227.42,"end":229.52,"sentiment":"neutral","sentiment_score":0.029578175395727158}],"sentiment":"neutral","sentiment_score":0.009808390261605382,"channel":1,"num_words":20,"start":219.525,"end":229.52},{"sentences":[{"text":"Yeah.","start":230.12,"end":230.62,"sentiment":"neutral","sentiment_score":0.02342831715941429}],"sentiment":"neutral","sentiment_score":0.02342831715941429,"channel":0,"num_words":1,"start":230.12,"end":230.62},{"sentences":[{"text":"or, you know, power of attorney.","start":232.22,"end":234.56,"sentiment":"neutral","sentiment_score":0.015317161257068316},{"text":"Like, which one is, you know, like, I don't know the difference.","start":234.86,"end":239.94499,"sentiment":"neutral","sentiment_score":0.006332612286011378}],"sentiment":"neutral","sentiment_score":0.009327461943030357,"channel":1,"num_words":18,"start":232.22,"end":239.94499},{"sentences":[{"text":"Yeah.","start":241.16,"end":241.66,"sentiment":"neutral","sentiment_score":0.08433645963668823},{"text":"That's a really good one because the power of attorney is if you're...","start":241.925,"end":245.365,"sentiment":"neutral","sentiment_score":0.1645405043203097},{"text":"Like, let's say you're in hospital and you can't act on your own behalf, it means someone can, you know, access the bank accounts, talk to the doctors, whereas the will handles the passing of the","start":245.365,"end":255.84,"sentiment":"neutral","sentiment_score":0.017051590089168813}],"sentiment":"neutral","sentiment_score":0.05674440518021583,"channel":0,"num_words":50,"start":241.16,"end":255.84},{"sentences":[{"text":"Okay.","start":257.68,"end":258.18,"sentiment":"neutral","sentiment_score":0.016074975952506065}],"sentiment":"neutral","sentiment_score":0.016074975952506065,"channel":1,"num_words":1,"start":257.68,"end":258.18},{"sentences":[{"text":"assets.","start":258.08,"end":258.58,"sentiment":"neutral","sentiment_score":0.0025550685822963715}],"sentiment":"neutral","sentiment_score":0.0025550685822963715,"channel":0,"num_words":1,"start":258.08,"end":258.58},{"sentences":[{"text":"Mhmm.","start":259.36002,"end":259.44,"sentiment":"neutral","sentiment_score":0.03069956973195076},{"text":"So","start":259.44,"end":259.84,"sentiment":"neutral","sentiment_score":0.019496411085128784}],"sentiment":"neutral","sentiment_score":0.025097990408539772,"channel":1,"num_words":2,"start":259.36002,"end":259.84},{"sentences":[{"text":"I know","start":259.6,"end":259.91998,"sentiment":"neutral","sentiment_score":0.02218152955174446}],"sentiment":"neutral","sentiment_score":0.02218152955174446,"channel":0,"num_words":2,"start":259.6,"end":259.91998},{"sentences":[{"text":"it's","start":259.84,"end":260.0,"sentiment":"neutral","sentiment_score":0.03737823665142059}],"sentiment":"neutral","sentiment_score":0.03737823665142059,"channel":1,"num_words":1,"start":259.84,"end":260.0},{"sentences":[{"text":"the","start":259.91998,"end":260.41998,"sentiment":"neutral","sentiment_score":0.023112192749977112}],"sentiment":"neutral","sentiment_score":0.023112192749977112,"channel":0,"num_words":1,"start":259.91998,"end":260.41998},{"sentences":[{"text":"probably worthwhile","start":260.0,"end":260.82,"sentiment":"neutral","sentiment_score":0.08114027976989746}],"sentiment":"neutral","sentiment_score":0.08114027976989746,"channel":1,"num_words":2,"start":260.0,"end":260.82},{"sentences":[{"text":"Australia","start":260.56,"end":261.04,"sentiment":"neutral","sentiment_score":0.0981943979859352}],"sentiment":"neutral","sentiment_score":0.0981943979859352,"channel":0,"num_words":1,"start":260.56,"end":261.04},{"sentences":[{"text":"having","start":260.88,"end":261.38,"sentiment":"neutral","sentiment_score":0.09321026504039764}],"sentiment":"neutral","sentiment_score":0.09321026504039764,"channel":1,"num_words":1,"start":260.88,"end":261.38},{"sentences":[{"text":"Post has some...","start":261.04,"end":262.1,"sentiment":"neutral","sentiment_score":0.04287740091482798},{"text":"Yeah.","start":262.48,"end":262.88,"sentiment":"neutral","sentiment_score":-0.005784208420664072},{"text":"Like, you know how sometimes people could spend thousands of dollars on a will at the...","start":262.88,"end":267.04,"sentiment":"neutral","sentiment_score":0.0022706991876475513},{"text":"With a solicitor?","start":267.04,"end":267.86,"sentiment":"neutral","sentiment_score":0.010687052272260189},{"text":"Well, Australia Post has government approved, like, power of attorney kits for, like, $25 a pop.","start":269.73502,"end":275.515,"sentiment":"neutral","sentiment_score":0.09577683452516794}],"sentiment":"neutral","sentiment_score":0.0441966587319397,"channel":0,"num_words":39,"start":261.04,"end":275.515},{"sentences":[{"text":"So","start":275.575,"end":276.075,"sentiment":"neutral","sentiment_score":0.12138330936431883}],"sentiment":"neutral","sentiment_score":0.12138330936431883,"channel":0,"num_words":1,"start":275.575,"end":276.075},{"sentences":[{"text":"Mhmm.","start":276.10498,"end":276.185,"sentiment":"neutral","sentiment_score":0.12153995037078856},{"text":"Yes.","start":276.185,"end":276.685,"sentiment":"neutral","sentiment_score":0.2687772512435913}],"sentiment":"neutral","sentiment_score":0.19515860080718994,"channel":1,"num_words":2,"start":276.10498,"end":276.685},{"sentences":[{"text":"just","start":276.775,"end":277.015,"sentiment":"neutral","sentiment_score":0.33197808265686035}],"sentiment":"neutral","sentiment_score":0.33197808265686035,"channel":0,"num_words":1,"start":276.775,"end":277.015},{"sentences":[{"text":"Mhmm.","start":276.82498,"end":277.32498,"sentiment":"neutral","sentiment_score":0.25687623023986816}],"sentiment":"neutral","sentiment_score":0.25687623023986816,"channel":1,"num_words":1,"start":276.82498,"end":277.32498},{"sentences":[{"text":"to get something in place, it's nice to have those.","start":277.015,"end":279.595,"sentiment":"positive","sentiment_score":0.4177638918161392}],"sentiment":"positive","sentiment_score":0.4177638918161392,"channel":0,"num_words":10,"start":277.015,"end":279.595},{"sentences":[{"text":"Yep.","start":280.22,"end":280.3,"sentiment":"neutral","sentiment_score":0.13215383887290957},{"text":"Yep.","start":280.3,"end":280.8,"sentiment":"neutral","sentiment_score":0.0974583849310875},{"text":"Yep.","start":282.53998,"end":282.78,"sentiment":"neutral","sentiment_score":0.08040843904018402},{"text":"Okay.","start":282.78,"end":283.25998,"sentiment":"neutral","sentiment_score":0.0787445455789566},{"text":"I'll","start":283.25998,"end":283.5,"sentiment":"neutral","sentiment_score":0.04631578549742699}],"sentiment":"neutral","sentiment_score":0.08701619878411293,"channel":1,"num_words":5,"start":280.22,"end":283.5},{"sentences":[{"text":"K.","start":283.26,"end":283.76,"sentiment":"neutral","sentiment_score":0.029684418812394146}],"sentiment":"neutral","sentiment_score":0.029684418812394146,"channel":0,"num_words":1,"start":283.26,"end":283.76},{"sentences":[{"text":"just...","start":283.5,"end":283.9,"sentiment":"neutral","sentiment_score":0.018766118213534355},{"text":"Yeah.","start":283.9,"end":284.3,"sentiment":"neutral","sentiment_score":0.05269763991236687},{"text":"I'll try to do that.","start":284.3,"end":285.52,"sentiment":"neutral","sentiment_score":0.07812108248472213},{"text":"Alright.","start":287.09998,"end":287.5,"sentiment":"neutral","sentiment_score":0.16877588629722595},{"text":"That's fine.","start":287.5,"end":288.31998,"sentiment":"neutral","sentiment_score":0.24694830179214478}],"sentiment":"neutral","sentiment_score":0.11247416604310274,"channel":1,"num_words":10,"start":283.5,"end":288.31998},{"sentences":[{"text":"And with the will, is that something I can do through you guys, or is that separate again with post office?","start":288.53998,"end":295.605,"sentiment":"neutral","sentiment_score":0.026561015108156772}],"sentiment":"neutral","sentiment_score":0.026561015108156772,"channel":1,"num_words":21,"start":288.53998,"end":295.605},{"sentences":[{"text":"Yeah.","start":297.18002,"end":297.42,"sentiment":"neutral","sentiment_score":0.06693786382675171},{"text":"So there's three options.","start":297.42,"end":298.64,"sentiment":"neutral","sentiment_score":0.0666239894926548},{"text":"You've got solicitors in the area.","start":299.105,"end":302.885,"sentiment":"neutral","sentiment_score":0.10140694429477055},{"text":"We do have some lawyers that do kind of accounted online wills that we can send you through a pack for, and there's also the post office will kits, which are pretty basic as well.","start":303.345,"end":314.77,"sentiment":"neutral","sentiment_score":0.10952176111085074},{"text":"I think the online ones might be somewhere between maybe 4 600 from","start":314.77,"end":319.56998,"sentiment":"neutral","sentiment_score":0.037195783824874804}],"sentiment":"neutral","sentiment_score":0.08913020874862954,"channel":0,"num_words":59,"start":297.18002,"end":319.56998},{"sentences":[{"text":"Okay.","start":319.56,"end":320.06,"sentiment":"neutral","sentiment_score":0.02062266133725643}],"sentiment":"neutral","sentiment_score":0.02062266133725643,"channel":1,"num_words":1,"start":319.56,"end":320.06},{"sentences":[{"text":"memory, just depending on the complexity.","start":319.56998,"end":322.78998,"sentiment":"neutral","sentiment_score":0.009717124824722609},{"text":"Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile?","start":326.565,"end":331.625,"sentiment":"neutral","sentiment_score":0.06916148900985718}],"sentiment":"neutral","sentiment_score":0.05765612819983113,"channel":0,"num_words":31,"start":319.56998,"end":331.625},{"sentences":[{"text":"Yeah.","start":332.475,"end":332.975,"sentiment":"neutral","sentiment_score":0.08493764698505402},{"text":"Yes, please.","start":333.035,"end":333.775,"sentiment":"neutral","sentiment_score":0.14738846570253372}],"sentiment":"neutral","sentiment_score":0.1265715261300405,"channel":1,"num_words":3,"start":332.475,"end":333.775},{"sentences":[{"text":"Perfect.","start":335.685,"end":336.185,"sentiment":"positive","sentiment_score":0.4417310953140259},{"text":"And how are you going with the old style link over there?","start":336.645,"end":338.91,"sentiment":"neutral","sentiment_score":0.16138788250585398}],"sentiment":"neutral","sentiment_score":0.1829527450295595,"channel":0,"num_words":13,"start":335.685,"end":338.91},{"sentences":[{"text":"Yeah.","start":341.27,"end":341.59,"sentiment":"neutral","sentiment_score":0.03518616408109665},{"text":"Like, I've opened it.","start":341.59,"end":343.03,"sentiment":"neutral","sentiment_score":0.06185075547546148},{"text":"So I'm at the first place to document Best interest, Judy.","start":343.03,"end":349.92502,"sentiment":"neutral","sentiment_score":0.10763287408785387}],"sentiment":"neutral","sentiment_score":0.09165942505933344,"channel":1,"num_words":16,"start":341.27,"end":349.92502},{"sentences":[{"text":"There?","start":350.83002,"end":351.23,"sentiment":"neutral","sentiment_score":0.11218781024217606},{"text":"Perfect.","start":351.23,"end":351.63,"sentiment":"neutral","sentiment_score":0.30441930890083313},{"text":"So if you can keep scrolling down for me, you'll see a scope of advice heading, which was again just focusing on the super and the insurance at this point.","start":351.63,"end":359.095,"sentiment":"neutral","sentiment_score":0.1278155008951823}],"sentiment":"neutral","sentiment_score":0.13284600456245244,"channel":0,"num_words":32,"start":350.83002,"end":359.095},{"sentences":[{"text":"Five.","start":361.34998,"end":361.84998,"sentiment":"neutral","sentiment_score":0.03182987868785858},{"text":"Considered.","start":361.90997,"end":362.40997,"sentiment":"neutral","sentiment_score":0.043100371956825256},{"text":"Okay.","start":362.94998,"end":363.44998,"sentiment":"neutral","sentiment_score":0.08371936529874802}],"sentiment":"neutral","sentiment_score":0.05288320531447729,"channel":1,"num_words":3,"start":361.34998,"end":363.44998},{"sentences":[{"text":"Yep.","start":364.195,"end":364.515,"sentiment":"neutral","sentiment_score":0.08155979961156845},{"text":"And then if you go past there, you'll see estate planning.","start":364.515,"end":367.17502,"sentiment":"neutral","sentiment_score":0.049959075044501915},{"text":"And then what we're not covering in this document on the page after, which is cash flow and debt management.","start":367.23502,"end":373.77,"sentiment":"neutral","sentiment_score":0.00005341842770576477},{"text":"Like, we're not giving you advice around, you know, your budget for the mortgage and things like that at this point.","start":373.77,"end":378.66998,"sentiment":"neutral","sentiment_score":-0.02386290207505226},{"text":"That's something that you're handling personally, but we can always help with budget spreadsheets and and helping you get a handle on things that way as well.","start":379.53,"end":388.195,"sentiment":"neutral","sentiment_score":0.20377112566320985}],"sentiment":"neutral","sentiment_score":0.07041096803732216,"channel":0,"num_words":80,"start":364.195,"end":388.195},{"sentences":[{"text":"Now the main thing I wanted to kind of go down to if you can, can you see on the bottom of the pages","start":392.01498,"end":397.9,"sentiment":"neutral","sentiment_score":0.0795631807607909}],"sentiment":"neutral","sentiment_score":0.0795631807607909,"channel":0,"num_words":24,"start":392.01498,"end":397.9},{"sentences":[{"text":"Mhmm.","start":397.53,"end":398.03,"sentiment":"neutral","sentiment_score":0.047982871532440186}],"sentiment":"neutral","sentiment_score":0.047982871532440186,"channel":1,"num_words":1,"start":397.53,"end":398.03},{"sentences":[{"text":"the page numbers there?","start":397.9,"end":399.28,"sentiment":"neutral","sentiment_score":0.031811661552637815}],"sentiment":"neutral","sentiment_score":0.031811661552637815,"channel":0,"num_words":4,"start":397.9,"end":399.28},{"sentences":[{"text":"Yep.","start":399.68997,"end":400.18997,"sentiment":"neutral","sentiment_score":0.08317774534225464}],"sentiment":"neutral","sentiment_score":0.08317774534225464,"channel":1,"num_words":1,"start":399.68997,"end":400.18997},{"sentences":[{"text":"Yep.","start":403.74002,"end":404.24002,"sentiment":"neutral","sentiment_score":0.0583900511264801},{"text":"Now the digital system, it also has page numbers at the top right.","start":404.30002,"end":408.705,"sentiment":"neutral","sentiment_score":0.04185784522157449},{"text":"So what I'm sort of saying is when you're on page five on the document, it'll say you're on page six in the system.","start":408.94498,"end":414.625,"sentiment":"neutral","sentiment_score":0.025525389045166474},{"text":"I'm not sure if you can see both of those just so you can get a ease","start":414.625,"end":418.305,"sentiment":"neutral","sentiment_score":-0.032504044473171234}],"sentiment":"neutral","sentiment_score":0.01204695672812787,"channel":0,"num_words":55,"start":403.74002,"end":418.305},{"sentences":[{"text":"Yeah.","start":418.14502,"end":418.64502,"sentiment":"neutral","sentiment_score":0.01661396399140358}],"sentiment":"neutral","sentiment_score":0.01661396399140358,"channel":1,"num_words":1,"start":418.14502,"end":418.64502},{"sentences":[{"text":"of navigating.","start":418.305,"end":418.965,"sentiment":"neutral","sentiment_score":0.026441048830747604}],"sentiment":"neutral","sentiment_score":0.026441048830747604,"channel":0,"num_words":2,"start":418.305,"end":418.965},{"sentences":[{"text":"I'm on five ten and eleven.","start":418.785,"end":421.5,"sentiment":"neutral","sentiment_score":0.021116919815540314}],"sentiment":"neutral","sentiment_score":0.021116919815540314,"channel":1,"num_words":6,"start":418.785,"end":421.5},{"sentences":[{"text":"Ten eleven.","start":422.705,"end":423.525,"sentiment":"neutral","sentiment_score":0.012943329755216837},{"text":"And what can you see on","start":423.72,"end":424.84,"sentiment":"neutral","sentiment_score":0.006249464272210996}],"sentiment":"neutral","sentiment_score":0.007922930642962456,"channel":0,"num_words":8,"start":422.705,"end":424.84},{"sentences":[{"text":"So","start":424.76,"end":425.26,"sentiment":"neutral","sentiment_score":-0.001458480954170227}],"sentiment":"neutral","sentiment_score":-0.001458480954170227,"channel":1,"num_words":1,"start":424.76,"end":425.26},{"sentences":[{"text":"those pages?","start":424.84,"end":425.58,"sentiment":"neutral","sentiment_score":0.005805599503219128}],"sentiment":"neutral","sentiment_score":0.005805599503219128,"channel":0,"num_words":2,"start":424.84,"end":425.58},{"sentences":[{"text":"so back to 10.","start":428.52002,"end":429.66,"sentiment":"neutral","sentiment_score":0.0025813020765781403},{"text":"So 10, I can see your current risk protection.","start":431.40002,"end":434.06003,"sentiment":"neutral","sentiment_score":0.02178398271401723}],"sentiment":"neutral","sentiment_score":0.015875465594805203,"channel":1,"num_words":13,"start":428.52002,"end":434.06003},{"sentences":[{"text":"Yes.","start":436.12,"end":436.36,"sentiment":"neutral","sentiment_score":0.07545728981494904},{"text":"And then on the 11, you'll see the risk profile being high growth.","start":436.36,"end":440.355,"sentiment":"neutral","sentiment_score":0.04081146820233418}],"sentiment":"neutral","sentiment_score":0.04328616974609239,"channel":0,"num_words":14,"start":436.12,"end":440.355},{"sentences":[{"text":"Yes.","start":441.11502,"end":441.595,"sentiment":"neutral","sentiment_score":0.17293338477611542},{"text":"Yes.","start":441.595,"end":442.095,"sentiment":"positive","sentiment_score":0.3879040777683258}],"sentiment":"neutral","sentiment_score":0.2804187312722206,"channel":1,"num_words":2,"start":441.11502,"end":442.095},{"sentences":[{"text":"Perfect.","start":442.415,"end":442.815,"sentiment":"positive","sentiment_score":0.6881415843963623},{"text":"So if you wanna keep scrolling down for me, two more pages, you'll see strategy recommendations.","start":442.815,"end":447.475,"sentiment":"neutral","sentiment_score":0.28592795692384243}],"sentiment":"neutral","sentiment_score":0.3095875820692848,"channel":0,"num_words":17,"start":442.415,"end":447.475},{"sentences":[{"text":"Oh, yeah.","start":448.95502,"end":449.695,"sentiment":"neutral","sentiment_score":0.06539661437273026}],"sentiment":"neutral","sentiment_score":0.06539661437273026,"channel":1,"num_words":2,"start":448.95502,"end":449.695},{"sentences":[{"text":"And can you see the bottom half of that page?","start":450.17502,"end":452.73502,"sentiment":"neutral","sentiment_score":0.029227049089968204},{"text":"There's a blue table there showing the Neos, what it is currently versus what we're recommending.","start":452.73502,"end":458.25,"sentiment":"neutral","sentiment_score":0.006145588820800185}],"sentiment":"neutral","sentiment_score":0.015023073539710961,"channel":0,"num_words":26,"start":450.17502,"end":458.25},{"sentences":[{"text":"Yeah.","start":459.95,"end":460.45,"sentiment":"neutral","sentiment_score":0.05760370194911957},{"text":"Yeah.","start":460.67,"end":461.17,"sentiment":"neutral","sentiment_score":0.05801531299948692},{"text":"Okay.","start":466.335,"end":466.835,"sentiment":"neutral","sentiment_score":0.07324634492397308}],"sentiment":"neutral","sentiment_score":0.06295511995752652,"channel":1,"num_words":3,"start":459.95,"end":466.835},{"sentences":[{"text":"Yep.","start":467.83002,"end":468.045,"sentiment":"neutral","sentiment_score":0.09462394565343855}],"sentiment":"neutral","sentiment_score":0.09462394565343855,"channel":0,"num_words":1,"start":467.83002,"end":468.045},{"sentences":[{"text":"So there's Nios Life PPD and IPE, and that's","start":469.215,"end":476.45,"sentiment":"neutral","sentiment_score":0.08278267665041818}],"sentiment":"neutral","sentiment_score":0.08278267665041818,"channel":1,"num_words":9,"start":469.215,"end":476.45},{"sentences":[{"text":"Correct.","start":477.325,"end":477.725,"sentiment":"neutral","sentiment_score":0.10419626533985138}],"sentiment":"neutral","sentiment_score":0.10419626533985138,"channel":0,"num_words":1,"start":477.325,"end":477.725},{"sentences":[{"text":"3","start":477.63,"end":478.13,"sentiment":"neutral","sentiment_score":0.02875145711004734}],"sentiment":"neutral","sentiment_score":0.02875145711004734,"channel":1,"num_words":1,"start":477.63,"end":478.13},{"sentences":[{"text":"And then","start":477.725,"end":478.20502,"sentiment":"neutral","sentiment_score":0.03210726007819176}],"sentiment":"neutral","sentiment_score":0.03210726007819176,"channel":0,"num_words":2,"start":477.725,"end":478.20502},{"sentences":[{"text":"40","start":478.19,"end":478.67,"sentiment":"neutral","sentiment_score":0.03202730417251587}],"sentiment":"neutral","sentiment_score":0.03202730417251587,"channel":1,"num_words":1,"start":478.19,"end":478.67},{"sentences":[{"text":"if you go","start":478.20502,"end":479.02502,"sentiment":"neutral","sentiment_score":0.02152301122744878}],"sentiment":"neutral","sentiment_score":0.02152301122744878,"channel":0,"num_words":3,"start":478.20502,"end":479.02502},{"sentences":[{"text":"2.","start":478.67,"end":479.17,"sentiment":"neutral","sentiment_score":0.01347254402935505}],"sentiment":"neutral","sentiment_score":0.01347254402935505,"channel":1,"num_words":1,"start":478.67,"end":479.17},{"sentences":[{"text":"if you go down on that column, you'll see 343000 for the life benefit, 343,000 for the TPD, which is disability, and then income protection underneath that, 6,219 a month worth of cover.","start":479.64502,"end":495.55,"sentiment":"neutral","sentiment_score":0.03300878089485747}],"sentiment":"neutral","sentiment_score":0.03300878089485747,"channel":0,"num_words":33,"start":479.64502,"end":495.55},{"sentences":[{"text":"Okay.","start":496.48502,"end":496.98502,"sentiment":"neutral","sentiment_score":0.01917681097984314}],"sentiment":"neutral","sentiment_score":0.01917681097984314,"channel":1,"num_words":1,"start":496.48502,"end":496.98502},{"sentences":[{"text":"Now on the right hand side, if we were to match it to 75 percent of your income, the income protection would drop down to $556.02 per month, and the life and TPD, we were gonna bump up to around $4.85 to cover the mortgage.","start":497.985,"end":516.58,"sentiment":"neutral","sentiment_score":-0.05072791443930732}],"sentiment":"neutral","sentiment_score":-0.05072791443930732,"channel":0,"num_words":45,"start":497.985,"end":516.58},{"sentences":[{"text":"Mhmm.","start":518.14,"end":518.64,"sentiment":"neutral","sentiment_score":-0.0966578871011734}],"sentiment":"neutral","sentiment_score":-0.0966578871011734,"channel":1,"num_words":1,"start":518.14,"end":518.64},{"sentences":[{"text":"Now what that does, one trim down, one bump up, it probably costs an extra $300 per year for the extra 150,000 of life and disability insurance.","start":519.52,"end":531.45496,"sentiment":"neutral","sentiment_score":-0.18087565071052975},{"text":"That's what we're looking at figures wise.","start":531.51495,"end":533.535,"sentiment":"neutral","sentiment_score":-0.12206933860267911}],"sentiment":"neutral","sentiment_score":-0.16876846880597227,"channel":0,"num_words":34,"start":519.52,"end":533.535},{"sentences":[{"text":"Okay.","start":534.39496,"end":534.89496,"sentiment":"neutral","sentiment_score":0.01655854843556881},{"text":"Yeah.","start":534.95496,"end":535.45496,"sentiment":"neutral","sentiment_score":0.028931960463523865}],"sentiment":"neutral","sentiment_score":0.022745254449546337,"channel":1,"num_words":2,"start":534.39496,"end":535.45496},{"sentences":[{"text":"K.","start":535.675,"end":535.995,"sentiment":"neutral","sentiment_score":0.01648668572306633},{"text":"So not too much of a jump there for that bump up to protect the mortgage.","start":535.995,"end":539.69495,"sentiment":"neutral","sentiment_score":-0.0967499096877873},{"text":"There was an alternative I did wanna run by you.","start":540.32,"end":542.98,"sentiment":"neutral","sentiment_score":0.029967167973518373},{"text":"So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote.","start":543.60004,"end":554.5,"sentiment":"neutral","sentiment_score":0.029675472753517555},{"text":"The other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year.","start":556.165,"end":569.69,"sentiment":"neutral","sentiment_score":0.18661150051390424}],"sentiment":"neutral","sentiment_score":0.0648110790297072,"channel":0,"num_words":94,"start":535.675,"end":569.69},{"sentences":[{"text":"Okay.","start":570.81,"end":571.31,"sentiment":"neutral","sentiment_score":0.07811366021633148}],"sentiment":"neutral","sentiment_score":0.07811366021633148,"channel":1,"num_words":1,"start":570.81,"end":571.31},{"sentences":[{"text":"The only thing that we we didn't check at the time was what kind of health change have you had since June 2020.","start":572.07,"end":581.2101,"sentiment":"neutral","sentiment_score":-0.08263110628594524}],"sentiment":"neutral","sentiment_score":-0.08263110628594524,"channel":0,"num_words":23,"start":572.07,"end":581.2101},{"sentences":[{"text":"Yeah.","start":584.345,"end":584.845,"sentiment":"neutral","sentiment_score":0.04144494608044624}],"sentiment":"neutral","sentiment_score":0.04144494608044624,"channel":1,"num_words":1,"start":584.345,"end":584.845},{"sentences":[{"text":"Now if there's no health changes at all, then it would be pretty easy to switch to another provider.","start":584.645,"end":590.585,"sentiment":"neutral","sentiment_score":0.11655375714364805},{"text":"Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude","start":590.72504,"end":597.945,"sentiment":"neutral","sentiment_score":-0.17449099818865457}],"sentiment":"neutral","sentiment_score":-0.036244739405810834,"channel":0,"num_words":40,"start":584.645,"end":597.945},{"sentences":[{"text":"Yeah.","start":599.92,"end":600.39996,"sentiment":"neutral","sentiment_score":-0.052550800144672394},{"text":"Not not...","start":600.39996,"end":601.22,"sentiment":"neutral","sentiment_score":-0.05023530684411526},{"text":"Nothing that I know of.","start":601.36,"end":602.88,"sentiment":"neutral","sentiment_score":-0.12592117190361024},{"text":"No health thing.","start":602.88,"end":603.935,"sentiment":"neutral","sentiment_score":-0.20399583876132965},{"text":"Just","start":604.635,"end":605.135,"sentiment":"neutral","sentiment_score":-0.11279332637786864}],"sentiment":"neutral","sentiment_score":-0.12561734300106764,"channel":1,"num_words":12,"start":599.92,"end":605.135},{"sentences":[{"text":"Yeah.","start":606.02997,"end":606.52997,"sentiment":"neutral","sentiment_score":-0.09923803806304932},{"text":"Yeah.","start":606.58997,"end":607.08997,"sentiment":"neutral","sentiment_score":-0.07130137830972672},{"text":"So what tends to happen is if we go through with the other providers,","start":607.31,"end":610.85,"sentiment":"neutral","sentiment_score":-0.07049775150205408}],"sentiment":"neutral","sentiment_score":-0.07234424608759582,"channel":0,"num_words":16,"start":606.02997,"end":610.85},{"sentences":[{"text":"aging.","start":611.195,"end":611.695,"sentiment":"neutral","sentiment_score":-0.11399298161268234}],"sentiment":"neutral","sentiment_score":-0.11399298161268234,"channel":1,"num_words":1,"start":611.195,"end":611.695},{"sentences":[{"text":"are you able to see on there the buttons on the document?","start":611.65497,"end":616.15497,"sentiment":"neutral","sentiment_score":-0.029831340070813894},{"text":"There's...","start":617.415,"end":617.915,"sentiment":"neutral","sentiment_score":-0.02985374629497528},{"text":"I'm hoping that there's, like, a little arrows at the top of that digital system where you can maybe","start":618.935,"end":624.615,"sentiment":"neutral","sentiment_score":0.0028101522475481033}],"sentiment":"neutral","sentiment_score":-0.010451154201291502,"channel":0,"num_words":32,"start":611.65497,"end":624.615},{"sentences":[{"text":"Yes.","start":624.51,"end":625.01,"sentiment":"neutral","sentiment_score":0.010111050680279732}],"sentiment":"neutral","sentiment_score":0.010111050680279732,"channel":1,"num_words":1,"start":624.51,"end":625.01},{"sentences":[{"text":"switch switch to the documents.","start":624.615,"end":626.955,"sentiment":"neutral","sentiment_score":0.005030501633882523}],"sentiment":"neutral","sentiment_score":0.005030501633882523,"channel":0,"num_words":5,"start":624.615,"end":626.955},{"sentences":[{"text":"Okay.","start":631.105,"end":631.425,"sentiment":"neutral","sentiment_score":-0.0361688956618309},{"text":"No.","start":631.425,"end":631.745,"sentiment":"neutral","sentiment_score":-0.0893372893333435},{"text":"That says decline...","start":631.745,"end":633.045,"sentiment":"neutral","sentiment_score":-0.07812087486187617},{"text":"Design.","start":633.505,"end":634.005,"sentiment":"neutral","sentiment_score":-0.09734518826007844},{"text":"I'm actually just on my phone, so I don't","start":637.665,"end":640.945,"sentiment":"neutral","sentiment_score":-0.07573085361056858}],"sentiment":"neutral","sentiment_score":-0.07591944535573324,"channel":1,"num_words":15,"start":631.105,"end":640.945},{"sentences":[{"text":"Oh,","start":640.8,"end":641.12,"sentiment":"neutral","sentiment_score":-0.05789864808320999}],"sentiment":"neutral","sentiment_score":-0.05789864808320999,"channel":0,"num_words":1,"start":640.8,"end":641.12},{"sentences":[{"text":"know","start":640.945,"end":641.265,"sentiment":"neutral","sentiment_score":-0.05695667117834091}],"sentiment":"neutral","sentiment_score":-0.05695667117834091,"channel":1,"num_words":1,"start":640.945,"end":641.265},{"sentences":[{"text":"yep.","start":641.12,"end":641.415,"sentiment":"neutral","sentiment_score":-0.0628756433725357}],"sentiment":"neutral","sentiment_score":-0.0628756433725357,"channel":0,"num_words":1,"start":641.12,"end":641.415},{"sentences":[{"text":"what...","start":641.265,"end":641.765,"sentiment":"neutral","sentiment_score":-0.03673149645328522},{"text":"Yeah.","start":643.34503,"end":643.84503,"sentiment":"neutral","sentiment_score":-0.0030604619532823563},{"text":"Hang on.","start":644.465,"end":645.15,"sentiment":"neutral","sentiment_score":-0.009279923047870398},{"text":"I can probably forward this email to my work if I'm on...","start":645.23004,"end":649.33,"sentiment":"neutral","sentiment_score":0.016502290091011673},{"text":"Give me a moment if you've got time.","start":651.79004,"end":653.79004,"sentiment":"neutral","sentiment_score":-0.0030680473137181252}],"sentiment":"neutral","sentiment_score":0.0047971374200036125,"channel":1,"num_words":24,"start":641.265,"end":653.79004},{"sentences":[{"text":"Is that alright?","start":653.79004,"end":654.67004,"sentiment":"neutral","sentiment_score":0.010970720633243522},{"text":"Or...","start":654.67004,"end":655.17004,"sentiment":"neutral","sentiment_score":-0.0025024632923305035}],"sentiment":"neutral","sentiment_score":0.007602424651850015,"channel":1,"num_words":4,"start":653.79004,"end":655.17004},{"sentences":[{"text":"Actually, what I could do...","start":655.32,"end":656.94,"sentiment":"neutral","sentiment_score":-0.0007813822478055954},{"text":"Do you want me to email through, like, a PDF to the work email?","start":657.08,"end":661.82,"sentiment":"neutral","sentiment_score":0.008743009396961756},{"text":"That way, it's","start":662.12,"end":662.84,"sentiment":"neutral","sentiment_score":0.07537975410620372}],"sentiment":"neutral","sentiment_score":0.015665203756229443,"channel":0,"num_words":22,"start":655.32,"end":662.84},{"sentences":[{"text":"Yep.","start":662.685,"end":663.185,"sentiment":"neutral","sentiment_score":0.09028880298137663}],"sentiment":"neutral","sentiment_score":0.09028880298137663,"channel":1,"num_words":1,"start":662.685,"end":663.185},{"sentences":[{"text":"a bit easier to view so it's not within the digital system.","start":662.84,"end":665.74,"sentiment":"neutral","sentiment_score":0.02417943212397707}],"sentiment":"neutral","sentiment_score":0.02417943212397707,"channel":0,"num_words":12,"start":662.84,"end":665.74},{"sentences":[{"text":"Yeah.","start":666.445,"end":666.765,"sentiment":"neutral","sentiment_score":0.0692557618021965},{"text":"Yes, please.","start":666.765,"end":667.565,"sentiment":"neutral","sentiment_score":0.1288423091173172},{"text":"Yeah.","start":667.565,"end":668.065,"sentiment":"neutral","sentiment_score":0.2950107455253601}],"sentiment":"neutral","sentiment_score":0.15548778139054775,"channel":1,"num_words":4,"start":666.445,"end":668.065},{"sentences":[{"text":"Perfect.","start":669.16003,"end":669.66003,"sentiment":"positive","sentiment_score":0.5274121165275574},{"text":"So I'm just going to say statement of advice and appendix.","start":669.72003,"end":676.325,"sentiment":"neutral","sentiment_score":0.24453165043484082},{"text":"So I just wanna show you the research appendix.","start":676.325,"end":678.505,"sentiment":"neutral","sentiment_score":0.2025359935230679},{"text":"Please see attached.","start":679.365,"end":680.425,"sentiment":"neutral","sentiment_score":0.11745952318112056},{"text":"Can you let me know what the email address is,","start":682.485,"end":684.87,"sentiment":"neutral","sentiment_score":0.08270428404211998}],"sentiment":"neutral","sentiment_score":0.18292663597008763,"channel":0,"num_words":34,"start":669.16003,"end":684.87},{"sentences":[{"text":"Mhmm.","start":686.38,"end":686.88,"sentiment":"neutral","sentiment_score":0.072695292532444}],"sentiment":"neutral","sentiment_score":0.072695292532444,"channel":1,"num_words":1,"start":686.38,"end":686.88},{"sentences":[{"text":"please?","start":688.55,"end":689.05,"sentiment":"neutral","sentiment_score":0.06879949569702148},{"text":"Alright.","start":689.99,"end":690.39,"sentiment":"neutral","sentiment_score":0.15832608938217163}],"sentiment":"neutral","sentiment_score":0.11356279253959656,"channel":0,"num_words":2,"start":688.55,"end":690.39},{"sentences":[{"text":"Oh,","start":690.295,"end":690.455,"sentiment":"neutral","sentiment_score":0.20030254125595093}],"sentiment":"neutral","sentiment_score":0.20030254125595093,"channel":1,"num_words":1,"start":690.295,"end":690.455},{"sentences":[{"text":"And","start":690.39,"end":690.63,"sentiment":"neutral","sentiment_score":0.21438220143318176}],"sentiment":"neutral","sentiment_score":0.21438220143318176,"channel":0,"num_words":1,"start":690.39,"end":690.63},{"sentences":[{"text":"so","start":690.455,"end":690.955,"sentiment":"neutral","sentiment_score":0.19412930309772491}],"sentiment":"neutral","sentiment_score":0.19412930309772491,"channel":1,"num_words":1,"start":690.455,"end":690.955},{"sentences":[{"text":"I'm good to go.","start":690.63,"end":691.69,"sentiment":"neutral","sentiment_score":0.2523876465857029}],"sentiment":"neutral","sentiment_score":0.2523876465857029,"channel":0,"num_words":4,"start":690.63,"end":691.69},{"sentences":[{"text":"name, lowercase, u w e I n n a dot","start":692.215,"end":698.455,"sentiment":"neutral","sentiment_score":0.06693440154194832}],"sentiment":"neutral","sentiment_score":0.06693440154194832,"channel":1,"num_words":10,"start":692.215,"end":698.455},{"sentences":[{"text":"Yep.","start":698.23,"end":698.505,"sentiment":"neutral","sentiment_score":0.07894600927829742}],"sentiment":"neutral","sentiment_score":0.07894600927829742,"channel":0,"num_words":1,"start":698.23,"end":698.505},{"sentences":[{"text":"mythirn, a l b e r t,","start":698.455,"end":701.115,"sentiment":"neutral","sentiment_score":0.035957946575113704}],"sentiment":"neutral","sentiment_score":0.035957946575113704,"channel":1,"num_words":7,"start":698.455,"end":701.115},{"sentences":[{"text":"Yep.","start":701.385,"end":701.885,"sentiment":"neutral","sentiment_score":0.046372734010219574}],"sentiment":"neutral","sentiment_score":0.046372734010219574,"channel":0,"num_words":1,"start":701.385,"end":701.885},{"sentences":[{"text":"@n,dasinknockitdown,.edu.au.","start":701.75,"end":707.13,"sentiment":"neutral","sentiment_score":0.031208429485559464}],"sentiment":"neutral","sentiment_score":0.031208429485559464,"channel":1,"num_words":1,"start":701.75,"end":707.13},{"sentences":[{"text":"Alright.","start":707.865,"end":708.185,"sentiment":"neutral","sentiment_score":0.01705014333128929},{"text":"And so that's n for Nelly, d for delta, dot e d u dot a u?","start":708.185,"end":713.01,"sentiment":"neutral","sentiment_score":0.03251581313088536}],"sentiment":"neutral","sentiment_score":0.031606067848556185,"channel":0,"num_words":17,"start":707.865,"end":713.01},{"sentences":[{"text":"Yes.","start":713.83,"end":714.33,"sentiment":"neutral","sentiment_score":0.1941438764333725},{"text":"Yeah.","start":714.39,"end":714.89,"sentiment":"positive","sentiment_score":0.4383693039417267}],"sentiment":"neutral","sentiment_score":0.3162565901875496,"channel":1,"num_words":2,"start":713.83,"end":714.89},{"sentences":[{"text":"Perfect.","start":715.97003,"end":716.47003,"sentiment":"positive","sentiment_score":0.7344125509262085},{"text":"And then what I'm gonna do is I'm just gonna attach these two documents there.","start":718.77,"end":722.23,"sentiment":"neutral","sentiment_score":0.3006028791268667},{"text":"Just","start":722.93,"end":723.17,"sentiment":"neutral","sentiment_score":0.10517983138561247}],"sentiment":"neutral","sentiment_score":0.3146256217185189,"channel":0,"num_words":17,"start":715.97003,"end":723.17},{"sentences":[{"text":"Mhmm.","start":723.005,"end":723.505,"sentiment":"neutral","sentiment_score":0.10461936891078948}],"sentiment":"neutral","sentiment_score":0.10461936891078948,"channel":1,"num_words":1,"start":723.005,"end":723.505},{"sentences":[{"text":"bear with me for one moment.","start":723.17,"end":724.71,"sentiment":"neutral","sentiment_score":0.08843048041065533},{"text":"And statement of advice and appendix.","start":731.98505,"end":735.84503,"sentiment":"neutral","sentiment_score":0.13945796837409338},{"text":"I'll swing those on.","start":737.585,"end":738.69,"sentiment":"neutral","sentiment_score":0.20869510620832443},{"text":"And I'm hoping, because it's the first time that I've emailed this email address from mine, that it won't take too long to come through.","start":738.77,"end":745.75,"sentiment":"neutral","sentiment_score":0.2638267934322357}],"sentiment":"neutral","sentiment_score":0.2145800232523825,"channel":0,"num_words":41,"start":723.17,"end":745.75},{"sentences":[{"text":"Okay.","start":746.875,"end":747.355,"sentiment":"neutral","sentiment_score":0.2655627429485321},{"text":"Yes.","start":747.355,"end":747.855,"sentiment":"positive","sentiment_score":0.3445098400115967}],"sentiment":"neutral","sentiment_score":0.3050362914800644,"channel":1,"num_words":2,"start":746.875,"end":747.855},{"sentences":[{"text":"And hopefully, without all those supplementary attachments, it's a little bit faster than when you attach another 2,000 pages along with it of product documents.","start":750.93,"end":758.445,"sentiment":"neutral","sentiment_score":0.2904121488332748},{"text":"Alright.","start":764.82495,"end":765.305,"sentiment":"neutral","sentiment_score":0.10158684849739076},{"text":"So that has sent through now, and it might be in the junk folder or main inbox.","start":765.305,"end":770.605,"sentiment":"neutral","sentiment_score":0.014144161990021957},{"text":"Alright.","start":828.37,"end":828.77,"sentiment":"neutral","sentiment_score":0.06968390196561813},{"text":"Now has the email come through at all?","start":828.77,"end":831.17004,"sentiment":"neutral","sentiment_score":0.029356663580983877}],"sentiment":"neutral","sentiment_score":0.15205535641871393,"channel":0,"num_words":52,"start":750.93,"end":831.17004},{"sentences":[{"text":"Or...","start":831.17004,"end":831.67004,"sentiment":"neutral","sentiment_score":-0.008084596134722233}],"sentiment":"neutral","sentiment_score":-0.008084596134722233,"channel":0,"num_words":1,"start":831.17004,"end":831.67004},{"sentences":[{"text":"No.","start":832.635,"end":833.135,"sentiment":"neutral","sentiment_score":-0.2875638008117676},{"text":"Let me","start":835.595,"end":835.995,"sentiment":"neutral","sentiment_score":-0.2624574676156044}],"sentiment":"neutral","sentiment_score":-0.2708262453476588,"channel":1,"num_words":3,"start":832.635,"end":835.995},{"sentences":[{"text":"So","start":835.97003,"end":836.29004,"sentiment":"neutral","sentiment_score":-0.248148649930954}],"sentiment":"neutral","sentiment_score":-0.248148649930954,"channel":0,"num_words":1,"start":835.97003,"end":836.29004},{"sentences":[{"text":"do","start":835.995,"end":836.315,"sentiment":"negative","sentiment_score":-0.3355558216571808}],"sentiment":"negative","sentiment_score":-0.3355558216571808,"channel":1,"num_words":1,"start":835.995,"end":836.315},{"sentences":[{"text":"is","start":836.29004,"end":836.535,"sentiment":"negative","sentiment_score":-0.33705610036849976}],"sentiment":"negative","sentiment_score":-0.33705610036849976,"channel":0,"num_words":1,"start":836.29004,"end":836.535},{"sentences":[{"text":"it again.","start":836.315,"end":837.055,"sentiment":"neutral","sentiment_score":-0.24904578924179077}],"sentiment":"neutral","sentiment_score":-0.24904578924179077,"channel":1,"num_words":2,"start":836.315,"end":837.055},{"sentences":[{"text":"sometimes it's like a ten, fifteen minutes later kinda thing.","start":836.77496,"end":839.33496,"sentiment":"negative","sentiment_score":-0.40137397050857543},{"text":"It's never fun.","start":839.33496,"end":840.315,"sentiment":"negative","sentiment_score":-0.5544026295344034}],"sentiment":"negative","sentiment_score":-0.43668827643761265,"channel":0,"num_words":13,"start":836.77496,"end":840.315},{"sentences":[{"text":"Oh, hang on.","start":841.195,"end":841.915,"sentiment":"neutral","sentiment_score":-0.16329111655553183},{"text":"It's updating.","start":841.915,"end":842.735,"sentiment":"neutral","sentiment_score":-0.09489632770419121},{"text":"Oh, Oh, no.","start":843.035,"end":845.75,"sentiment":"neutral","sentiment_score":-0.1132624198993047},{"text":"Maybe you're back in the junk.","start":845.75,"end":847.19,"sentiment":"neutral","sentiment_score":-0.23101738840341568},{"text":"Let me check a look.","start":847.19,"end":848.41003,"sentiment":"neutral","sentiment_score":-0.0928262010216713}],"sentiment":"neutral","sentiment_score":-0.15103624212114433,"channel":1,"num_words":19,"start":841.195,"end":848.41003},{"sentences":[{"text":"And I'll just double check.","start":849.65497,"end":850.89,"sentiment":"neutral","sentiment_score":-0.04710138067603111},{"text":"So first name dot last name@ndat.edu.au?","start":850.97003,"end":857.07,"sentiment":"neutral","sentiment_score":-0.013679814680169025}],"sentiment":"neutral","sentiment_score":-0.028871435587379066,"channel":0,"num_words":11,"start":849.65497,"end":857.07},{"sentences":[{"text":"@nd.edu.au.","start":858.39,"end":861.72504,"sentiment":"neutral","sentiment_score":-0.002356485929340124},{"text":"Yes.","start":861.72504,"end":862.22504,"sentiment":"neutral","sentiment_score":0.03391138091683388}],"sentiment":"neutral","sentiment_score":0.015777447493746877,"channel":1,"num_words":2,"start":858.39,"end":862.22504},{"sentences":[{"text":"Yep.","start":862.97003,"end":863.47003,"sentiment":"neutral","sentiment_score":0.03313717246055603},{"text":"N d dot e d u dot a u.","start":863.85004,"end":866.055,"sentiment":"neutral","sentiment_score":0.010837019421160221}],"sentiment":"neutral","sentiment_score":0.013067034725099801,"channel":0,"num_words":10,"start":862.97003,"end":866.055},{"sentences":[{"text":"Oh, here we go.","start":868.04504,"end":869.085,"sentiment":"neutral","sentiment_score":0.027517512440681458},{"text":"Yep.","start":869.085,"end":869.585,"sentiment":"neutral","sentiment_score":0.07831093668937683},{"text":"Got it.","start":869.72504,"end":870.385,"sentiment":"neutral","sentiment_score":0.15304191410541534}],"sentiment":"neutral","sentiment_score":0.07063783066613334,"channel":1,"num_words":7,"start":868.04504,"end":870.385},{"sentences":[{"text":"Perfect.","start":870.77496,"end":871.27496,"sentiment":"positive","sentiment_score":0.33723998069763184}],"sentiment":"positive","sentiment_score":0.33723998069763184,"channel":0,"num_words":1,"start":870.77496,"end":871.27496},{"sentences":[{"text":"Appendix.","start":871.085,"end":871.585,"sentiment":"neutral","sentiment_score":0.14293639361858368}],"sentiment":"neutral","sentiment_score":0.14293639361858368,"channel":1,"num_words":1,"start":871.085,"end":871.585},{"sentences":[{"text":"Now","start":871.495,"end":871.995,"sentiment":"neutral","sentiment_score":0.07372143864631653}],"sentiment":"neutral","sentiment_score":0.07372143864631653,"channel":0,"num_words":1,"start":871.495,"end":871.995},{"sentences":[{"text":"So appendix","start":871.885,"end":873.43,"sentiment":"neutral","sentiment_score":0.05470402538776398}],"sentiment":"neutral","sentiment_score":0.05470402538776398,"channel":1,"num_words":2,"start":871.885,"end":873.43},{"sentences":[{"text":"that's what we wanna look at.","start":873.255,"end":874.535,"sentiment":"neutral","sentiment_score":0.07584363222122192},{"text":"It's just the appendix","start":874.535,"end":875.65497,"sentiment":"neutral","sentiment_score":0.049474467523396015}],"sentiment":"neutral","sentiment_score":0.06529596634209156,"channel":0,"num_words":10,"start":873.255,"end":875.65497},{"sentences":[{"text":"and","start":875.44995,"end":875.94995,"sentiment":"neutral","sentiment_score":0.02284790202975273}],"sentiment":"neutral","sentiment_score":0.02284790202975273,"channel":1,"num_words":1,"start":875.44995,"end":875.94995},{"sentences":[{"text":"is a bit more like a a mountainous","start":875.65497,"end":878.395,"sentiment":"neutral","sentiment_score":0.004306224407628179}],"sentiment":"neutral","sentiment_score":0.004306224407628179,"channel":0,"num_words":8,"start":875.65497,"end":878.395},{"sentences":[{"text":"then...","start":877.97,"end":878.47,"sentiment":"neutral","sentiment_score":0.006061190739274025}],"sentiment":"neutral","sentiment_score":0.006061190739274025,"channel":1,"num_words":1,"start":877.97,"end":878.47},{"sentences":[{"text":"forest range.","start":878.455,"end":879.21,"sentiment":"neutral","sentiment_score":0.009444573894143105}],"sentiment":"neutral","sentiment_score":0.009444573894143105,"channel":0,"num_words":2,"start":878.455,"end":879.21},{"sentences":[{"text":"Okay.","start":880.37,"end":880.87,"sentiment":"neutral","sentiment_score":0.03160392493009567},{"text":"Yep.","start":880.93,"end":881.43,"sentiment":"neutral","sentiment_score":0.02635383978486061}],"sentiment":"neutral","sentiment_score":0.028978882357478142,"channel":1,"num_words":2,"start":880.37,"end":881.43},{"sentences":[{"text":"Can you see that one there?","start":881.93,"end":883.39,"sentiment":"neutral","sentiment_score":0.015281045343726873}],"sentiment":"neutral","sentiment_score":0.015281045343726873,"channel":0,"num_words":6,"start":881.93,"end":883.39},{"sentences":[{"text":"Yeah.","start":884.05,"end":884.55,"sentiment":"neutral","sentiment_score":0.007847823202610016},{"text":"Just a moment.","start":887.265,"end":888.065,"sentiment":"neutral","sentiment_score":0.0009522087251146635}],"sentiment":"neutral","sentiment_score":0.0026761123444885015,"channel":1,"num_words":4,"start":884.05,"end":888.065},{"sentences":[{"text":"Sorry.","start":887.93,"end":888.25,"sentiment":"neutral","sentiment_score":-0.03855741769075394}],"sentiment":"neutral","sentiment_score":-0.03855741769075394,"channel":0,"num_words":1,"start":887.93,"end":888.25},{"sentences":[{"text":"So","start":888.065,"end":888.305,"sentiment":"neutral","sentiment_score":-0.0285071711987257}],"sentiment":"neutral","sentiment_score":-0.0285071711987257,"channel":1,"num_words":1,"start":888.065,"end":888.305},{"sentences":[{"text":"If","start":888.25,"end":888.41003,"sentiment":"neutral","sentiment_score":-0.023559631779789925}],"sentiment":"neutral","sentiment_score":-0.023559631779789925,"channel":0,"num_words":1,"start":888.25,"end":888.41003},{"sentences":[{"text":"I'm","start":888.305,"end":888.545,"sentiment":"neutral","sentiment_score":-0.029002569615840912}],"sentiment":"neutral","sentiment_score":-0.029002569615840912,"channel":1,"num_words":1,"start":888.305,"end":888.545},{"sentences":[{"text":"we go","start":888.41003,"end":888.65,"sentiment":"neutral","sentiment_score":-0.01807774417102337}],"sentiment":"neutral","sentiment_score":-0.01807774417102337,"channel":0,"num_words":2,"start":888.41003,"end":888.65},{"sentences":[{"text":"in...","start":888.545,"end":889.045,"sentiment":"neutral","sentiment_score":-0.023133398965001103}],"sentiment":"neutral","sentiment_score":-0.023133398965001103,"channel":1,"num_words":1,"start":888.545,"end":889.045},{"sentences":[{"text":"down eight pages to","start":888.65,"end":891.29004,"sentiment":"neutral","sentiment_score":-0.026544589549303055}],"sentiment":"neutral","sentiment_score":-0.026544589549303055,"channel":0,"num_words":4,"start":888.65,"end":891.29004},{"sentences":[{"text":"The","start":891.185,"end":891.505,"sentiment":"neutral","sentiment_score":-0.019893132150173187}],"sentiment":"neutral","sentiment_score":-0.019893132150173187,"channel":1,"num_words":1,"start":891.185,"end":891.505},{"sentences":[{"text":"the","start":891.29004,"end":891.61005,"sentiment":"neutral","sentiment_score":-0.01604718714952469}],"sentiment":"neutral","sentiment_score":-0.01604718714952469,"channel":0,"num_words":1,"start":891.29004,"end":891.61005},{"sentences":[{"text":"payday?","start":891.505,"end":892.005,"sentiment":"neutral","sentiment_score":-0.011742335744202135}],"sentiment":"neutral","sentiment_score":-0.011742335744202135,"channel":1,"num_words":1,"start":891.505,"end":892.005},{"sentences":[{"text":"eight page.","start":891.61005,"end":892.43,"sentiment":"neutral","sentiment_score":-0.008444819133728743},{"text":"Yep.","start":892.73004,"end":893.13,"sentiment":"neutral","sentiment_score":0.010230621322989464},{"text":"You...","start":893.13,"end":893.37,"sentiment":"neutral","sentiment_score":0.0016287779435515404},{"text":"What you'll see around the bottom half of that is all of the insurer logos.","start":893.37,"end":898.365,"sentiment":"neutral","sentiment_score":0.0036331507532546916},{"text":"Blue and green and red and purple and...","start":898.985,"end":901.325,"sentiment":"neutral","sentiment_score":0.009550270158797503}],"sentiment":"neutral","sentiment_score":0.004661821613640145,"channel":0,"num_words":27,"start":891.61005,"end":901.325},{"sentences":[{"text":"Okay.","start":901.95,"end":902.45,"sentiment":"neutral","sentiment_score":0.0191008560359478},{"text":"Yeah.","start":902.51,"end":903.01,"sentiment":"neutral","sentiment_score":0.021943349391222}],"sentiment":"neutral","sentiment_score":0.0205221027135849,"channel":1,"num_words":2,"start":901.95,"end":903.01},{"sentences":[{"text":"Can you see those there with the different scores and prices?","start":903.225,"end":906.045,"sentiment":"neutral","sentiment_score":0.02211472171951424}],"sentiment":"neutral","sentiment_score":0.02211472171951424,"channel":0,"num_words":11,"start":903.225,"end":906.045},{"sentences":[{"text":"Yes.","start":907.15,"end":907.55005,"sentiment":"neutral","sentiment_score":0.04607463628053665},{"text":"Yes.","start":907.55005,"end":908.05005,"sentiment":"neutral","sentiment_score":0.04162920266389847},{"text":"Summary","start":908.27,"end":908.77,"sentiment":"neutral","sentiment_score":0.022139137610793114}],"sentiment":"neutral","sentiment_score":0.03661432551840941,"channel":1,"num_words":3,"start":907.15,"end":908.77},{"sentences":[{"text":"So...","start":908.37994,"end":908.87994,"sentiment":"neutral","sentiment_score":0.01691817119717598}],"sentiment":"neutral","sentiment_score":0.01691817119717598,"channel":0,"num_words":1,"start":908.37994,"end":908.87994},{"sentences":[{"text":"report.","start":908.83,"end":909.33,"sentiment":"neutral","sentiment_score":0.024087201803922653}],"sentiment":"neutral","sentiment_score":0.024087201803922653,"channel":1,"num_words":1,"start":908.83,"end":909.33},{"sentences":[{"text":"Yep.","start":910.06,"end":910.45996,"sentiment":"neutral","sentiment_score":0.0020069614984095097},{"text":"So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom?","start":910.45996,"end":918.56,"sentiment":"neutral","sentiment_score":0.08104034128288427},{"text":"And if you go all the way across, it has a score of 81.","start":918.69995,"end":922.03503,"sentiment":"neutral","sentiment_score":0.08603834680148534}],"sentiment":"neutral","sentiment_score":0.08083897900457183,"channel":0,"num_words":45,"start":910.06,"end":922.03503},{"sentences":[{"text":"Okay.","start":924.26495,"end":924.425,"sentiment":"neutral","sentiment_score":0.17029480636119845},{"text":"Yep.","start":924.425,"end":924.90497,"sentiment":"neutral","sentiment_score":0.21360477805137632},{"text":"Mhmm.","start":924.90497,"end":925.40497,"sentiment":"neutral","sentiment_score":0.17977797985076904}],"sentiment":"neutral","sentiment_score":0.1878925214211146,"channel":1,"num_words":3,"start":924.26495,"end":925.40497},{"sentences":[{"text":"Now what that means is that that's kind of all the small print and the fine print under the hood.","start":925.455,"end":931.055,"sentiment":"neutral","sentiment_score":0.31159428358078},{"text":"You want a really good feature score.","start":931.055,"end":932.655,"sentiment":"positive","sentiment_score":0.6182176215308053},{"text":"You...","start":932.655,"end":933.055,"sentiment":"positive","sentiment_score":0.34360191226005554},{"text":"Essentially, with these insurances, you want more features, more fine print because it means more options, more things to claim on.","start":933.055,"end":939.58,"sentiment":"positive","sentiment_score":0.42067172555696397},{"text":"Now what the alternative is is if you look at the red one AIA and the kind of blue one above that Clearview, they're both pretty well in line with that same feature score in terms of quality, but they're a lot lower price.","start":942.44,"end":955.96497,"sentiment":"neutral","sentiment_score":0.21636730872771956}],"sentiment":"neutral","sentiment_score":0.31459439521835697,"channel":0,"num_words":93,"start":925.455,"end":955.96497},{"sentences":[{"text":"Yep.","start":957.63,"end":957.95,"sentiment":"neutral","sentiment_score":0.20409294962882996},{"text":"Yep.","start":957.95,"end":958.45,"sentiment":"neutral","sentiment_score":0.2040785551071167},{"text":"I see.","start":958.59,"end":959.33,"sentiment":"neutral","sentiment_score":0.21232610195875168}],"sentiment":"neutral","sentiment_score":0.2082059271633625,"channel":1,"num_words":4,"start":957.63,"end":959.33},{"sentences":[{"text":"So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead.","start":959.145,"end":972.11,"sentiment":"neutral","sentiment_score":0.1807927993494411},{"text":"Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern.","start":975.21,"end":982.28503,"sentiment":"neutral","sentiment_score":-0.10852577926024147}],"sentiment":"neutral","sentiment_score":0.07996965831879413,"channel":0,"num_words":66,"start":959.145,"end":982.28503},{"sentences":[{"text":"Yeah.","start":987.22,"end":987.3,"sentiment":"neutral","sentiment_score":0.09315149486064912},{"text":"That's...","start":987.3,"end":987.38,"sentiment":"neutral","sentiment_score":0.08944326639175415},{"text":"I mean, that's fine.","start":987.38,"end":990.76,"sentiment":"neutral","sentiment_score":0.15038898959755898},{"text":"Yeah.","start":1000.58,"end":1000.82,"sentiment":"neutral","sentiment_score":0.17309266328811646},{"text":"We could probably do that.","start":1000.82,"end":1002.18,"sentiment":"neutral","sentiment_score":0.15947718173265457}],"sentiment":"neutral","sentiment_score":0.14621910763283572,"channel":1,"num_words":12,"start":987.22,"end":1002.18},{"sentences":[{"text":"Why not?","start":1002.18,"end":1002.765,"sentiment":"neutral","sentiment_score":0.03839145600795746}],"sentiment":"neutral","sentiment_score":0.03839145600795746,"channel":1,"num_words":2,"start":1002.18,"end":1002.765},{"sentences":[{"text":"K.","start":1003.56,"end":1003.935,"sentiment":"neutral","sentiment_score":0.0028362758457660675},{"text":"So what we'll do is don't sign that document today in the pack.","start":1004.095,"end":1010.915,"sentiment":"neutral","sentiment_score":-0.062395225279033184},{"text":"I'm gonna send through an amendment by the end of the week just with the Clearview included in so you can see the difference that that makes to the super with the premiums.","start":1010.975,"end":1018.835,"sentiment":"neutral","sentiment_score":0.13747153408599622},{"text":"And then from there, have a read through, sign if you're comfortable.","start":1019.49,"end":1024.0701,"sentiment":"neutral","sentiment_score":0.0965176618968447},{"text":"We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer.","start":1024.77,"end":1031.11,"sentiment":"neutral","sentiment_score":0.13648949495770715}],"sentiment":"neutral","sentiment_score":0.09739802227022103,"channel":0,"num_words":81,"start":1003.56,"end":1031.11},{"sentences":[{"text":"And if it gets accepted, we'll cancel the other one.","start":1031.73,"end":1035.315,"sentiment":"neutral","sentiment_score":0.020059105567634107},{"text":"If there's any issues, we can always just switch back to altering Neos as a plan b.","start":1035.375,"end":1040.095,"sentiment":"neutral","sentiment_score":0.09996686985387522},{"text":"How's that sound?","start":1040.095,"end":1041.075,"sentiment":"neutral","sentiment_score":0.22588733832041422}],"sentiment":"neutral","sentiment_score":0.08592299527178208,"channel":0,"num_words":30,"start":1031.73,"end":1041.075},{"sentences":[{"text":"Yeah.","start":1042.81,"end":1043.13,"sentiment":"neutral","sentiment_score":0.2854415774345398},{"text":"That should be fine.","start":1043.13,"end":1044.3501,"sentiment":"positive","sentiment_score":0.4017520099878311},{"text":"Yeah.","start":1047.13,"end":1047.4501,"sentiment":"neutral","sentiment_score":0.19072015583515167},{"text":"I'll think about it because...","start":1047.4501,"end":1049.2101,"sentiment":"neutral","sentiment_score":0.08257238492369652},{"text":"Yeah.","start":1049.2101,"end":1049.61,"sentiment":"neutral","sentiment_score":0.04515247792005539}],"sentiment":"neutral","sentiment_score":0.21176534797996283,"channel":1,"num_words":12,"start":1042.81,"end":1049.61},{"sentences":[{"text":"I mean, I think...","start":1049.61,"end":1051.0701,"sentiment":"neutral","sentiment_score":0.014197078067809343},{"text":"Yeah.","start":1052.7301,"end":1052.9701,"sentiment":"neutral","sentiment_score":0.012015119194984436},{"text":"But that's you guys' advice kind of thing.","start":1052.9701,"end":1055.53,"sentiment":"neutral","sentiment_score":0.11992734670639038},{"text":"It saves a bit a a few 100 here and there.","start":1055.53,"end":1060.765,"sentiment":"neutral","sentiment_score":0.2836109413342042},{"text":"And, I mean, the performance indicated is pretty good.","start":1060.765,"end":1065.025,"sentiment":"positive","sentiment_score":0.5699080361260308}],"sentiment":"neutral","sentiment_score":0.28112469348266267,"channel":1,"num_words":33,"start":1049.61,"end":1065.025},{"sentences":[{"text":"Correct.","start":1066.205,"end":1066.705,"sentiment":"positive","sentiment_score":0.5344460606575012},{"text":"And and that's the thing is if we can keep getting that good performance, that 11%, and if we can trim down the premiums a couple of thousand, that'll compound really well over the next five and ten years.","start":1066.765,"end":1077.19,"sentiment":"positive","sentiment_score":0.4084710532274002}],"sentiment":"positive","sentiment_score":0.4116204284131527,"channel":0,"num_words":40,"start":1066.205,"end":1077.19},{"sentences":[{"text":"Okay.","start":1077.76,"end":1078.26,"sentiment":"neutral","sentiment_score":0.11032938957214355},{"text":"Yeah.","start":1078.56,"end":1079.06,"sentiment":"neutral","sentiment_score":0.08981953561306},{"text":"Yeah.","start":1079.44,"end":1079.76,"sentiment":"neutral","sentiment_score":0.0603795200586319},{"text":"No.","start":1079.76,"end":1080.16,"sentiment":"neutral","sentiment_score":0.040616922080516815}],"sentiment":"neutral","sentiment_score":0.07528634183108807,"channel":1,"num_words":4,"start":1077.76,"end":1080.16},{"sentences":[{"text":"Cool.","start":1079.97,"end":1080.47,"sentiment":"neutral","sentiment_score":0.12908756732940674}],"sentiment":"neutral","sentiment_score":0.12908756732940674,"channel":0,"num_words":1,"start":1079.97,"end":1080.47},{"sentences":[{"text":"I'm fine.","start":1080.16,"end":1080.88,"sentiment":"neutral","sentiment_score":0.16552981734275818},{"text":"That's...","start":1080.88,"end":1081.38,"sentiment":"neutral","sentiment_score":0.11271150410175323},{"text":"Yeah.","start":1081.44,"end":1081.94,"sentiment":"neutral","sentiment_score":0.18969962000846863},{"text":"Give that","start":1082.4349,"end":1083.1749,"sentiment":"positive","sentiment_score":0.37591323256492615}],"sentiment":"neutral","sentiment_score":0.23088287065426508,"channel":1,"num_words":6,"start":1080.16,"end":1083.1749},{"sentences":[{"text":"Awesome.","start":1083.09,"end":1083.59,"sentiment":"positive","sentiment_score":0.4031791090965271},{"text":"So what I'll do is I'm gonna get my my support team to amend the document.","start":1083.97,"end":1088.515,"sentiment":"neutral","sentiment_score":0.07809113897383213},{"text":"And then as soon as we get that through to you, I'll send you a text message just to look for the email.","start":1088.735,"end":1094.035,"sentiment":"neutral","sentiment_score":0.056120521672393966}],"sentiment":"neutral","sentiment_score":0.07358523327857255,"channel":0,"num_words":40,"start":1083.09,"end":1094.035},{"sentences":[{"text":"a","start":1094.515,"end":1094.765,"sentiment":"neutral","sentiment_score":0.02854024618864059}],"sentiment":"neutral","sentiment_score":0.02854024618864059,"channel":1,"num_words":1,"start":1094.515,"end":1094.765},{"sentences":[{"text":"And","start":1094.735,"end":1094.975,"sentiment":"neutral","sentiment_score":0.027749061584472656}],"sentiment":"neutral","sentiment_score":0.027749061584472656,"channel":0,"num_words":1,"start":1094.735,"end":1094.975},{"sentences":[{"text":"crack.","start":1094.765,"end":1095.265,"sentiment":"neutral","sentiment_score":0.04923265427350998}],"sentiment":"neutral","sentiment_score":0.04923265427350998,"channel":1,"num_words":1,"start":1094.765,"end":1095.265},{"sentences":[{"text":"then just give us a callback if you've got any questions before you sign it, and then I'll get you booked in for...","start":1094.975,"end":1101.0299,"sentiment":"neutral","sentiment_score":0.035486390206800854},{"text":"Like, we can't book you in for the application until we have the quote back signed.","start":1101.0299,"end":1105.11,"sentiment":"neutral","sentiment_score":-0.03482445201370865},{"text":"That's all.","start":1105.11,"end":1105.85,"sentiment":"neutral","sentiment_score":0.03803432919085026}],"sentiment":"neutral","sentiment_score":0.008172302461433701,"channel":0,"num_words":41,"start":1094.975,"end":1105.85},{"sentences":[{"text":"Yes.","start":1106.4299,"end":1106.9299,"sentiment":"neutral","sentiment_score":0.2056625783443451},{"text":"Terrific.","start":1107.63,"end":1108.11,"sentiment":"positive","sentiment_score":0.4936828017234802},{"text":"Yes.","start":1108.11,"end":1108.61,"sentiment":"neutral","sentiment_score":0.16333863139152527}],"sentiment":"neutral","sentiment_score":0.2875613371531169,"channel":1,"num_words":3,"start":1106.4299,"end":1108.61},{"sentences":[{"text":"Cool.","start":1108.95,"end":1109.45,"sentiment":"neutral","sentiment_score":0.19552111625671387},{"text":"Any questions at this point?","start":1109.83,"end":1111.21,"sentiment":"neutral","sentiment_score":0.06400169506669044}],"sentiment":"neutral","sentiment_score":0.08592159859836102,"channel":0,"num_words":6,"start":1108.95,"end":1111.21},{"sentences":[{"text":"No.","start":1112.585,"end":1112.905,"sentiment":"neutral","sentiment_score":-0.02047993801534176},{"text":"That's fine.","start":1112.905,"end":1113.885,"sentiment":"neutral","sentiment_score":0.02678812760859728},{"text":"Yeah.","start":1113.9451,"end":1114.4451,"sentiment":"neutral","sentiment_score":0.1621873378753662}],"sentiment":"neutral","sentiment_score":0.04882091376930475,"channel":1,"num_words":4,"start":1112.585,"end":1114.4451},{"sentences":[{"text":"Amazing.","start":1114.5499,"end":1115.0499,"sentiment":"positive","sentiment_score":0.35604262351989746},{"text":"So I'll get that through to you.","start":1115.11,"end":1116.7649,"sentiment":"neutral","sentiment_score":0.23483248693602427},{"text":"Hopefully, Friday, Monday at the latest, we'll just","start":1116.7649,"end":1119.485,"sentiment":"neutral","sentiment_score":0.12352503184229136}],"sentiment":"neutral","sentiment_score":0.18675439292564988,"channel":0,"num_words":16,"start":1114.5499,"end":1119.485},{"sentences":[{"text":"Mhmm.","start":1119.305,"end":1119.805,"sentiment":"neutral","sentiment_score":0.10406219959259032}],"sentiment":"neutral","sentiment_score":0.10406219959259032,"channel":1,"num_words":1,"start":1119.305,"end":1119.805},{"sentences":[{"text":"go through.","start":1119.485,"end":1120.3049,"sentiment":"neutral","sentiment_score":0.10428166016936302},{"text":"And once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go.","start":1120.365,"end":1127.5049,"sentiment":"neutral","sentiment_score":0.13561765166620413},{"text":"And they come back with any issues, then we'll just pivot back to Neos instead.","start":1127.965,"end":1132.38,"sentiment":"neutral","sentiment_score":0.05698818986614545}],"sentiment":"neutral","sentiment_score":0.10532219044682456,"channel":0,"num_words":41,"start":1119.485,"end":1132.38},{"sentences":[{"text":"Yeah.","start":1133.06,"end":1133.56,"sentiment":"neutral","sentiment_score":0.18664267659187317},{"text":"Perfect.","start":1134.02,"end":1134.52,"sentiment":"positive","sentiment_score":0.39816901087760925}],"sentiment":"neutral","sentiment_score":0.2924058437347412,"channel":1,"num_words":2,"start":1133.06,"end":1134.52},{"sentences":[{"text":"Amazing.","start":1134.36,"end":1134.84,"sentiment":"positive","sentiment_score":0.361156165599823},{"text":"And, again, we won't cancel anything until it's in place just to make sure you're not left out.","start":1134.84,"end":1139.26,"sentiment":"neutral","sentiment_score":0.21067635839184126}],"sentiment":"neutral","sentiment_score":0.21859634824489294,"channel":0,"num_words":19,"start":1134.36,"end":1139.26},{"sentences":[{"text":"Yeah.","start":1139.975,"end":1140.475,"sentiment":"neutral","sentiment_score":0.09109034389257432},{"text":"Okay.","start":1140.615,"end":1140.9349,"sentiment":"neutral","sentiment_score":0.1538369059562683},{"text":"Perfect.","start":1140.9349,"end":1141.4349,"sentiment":"neutral","sentiment_score":0.3229749798774719}],"sentiment":"neutral","sentiment_score":0.18930074324210486,"channel":1,"num_words":3,"start":1139.975,"end":1141.4349},{"sentences":[{"text":"Amazing, Irina.","start":1142.12,"end":1143.0,"sentiment":"positive","sentiment_score":0.4222457557916641},{"text":"Look.","start":1143.0,"end":1143.16,"sentiment":"neutral","sentiment_score":0.30650264024734497},{"text":"Thank you so much for calling me back today.","start":1143.16,"end":1144.895,"sentiment":"positive","sentiment_score":0.4376430842611525},{"text":"Is there any questions you have before I let you go?","start":1145.035,"end":1147.4551,"sentiment":"neutral","sentiment_score":0.12772291695529764}],"sentiment":"neutral","sentiment_score":0.28237973898649216,"channel":0,"num_words":23,"start":1142.12,"end":1147.4551},{"sentences":[{"text":"Oh, no.","start":1148.455,"end":1148.9349,"sentiment":"neutral","sentiment_score":0.005472928285598755},{"text":"That's fine.","start":1148.9349,"end":1149.8099,"sentiment":"neutral","sentiment_score":0.07734009623527527},{"text":"Thank you.","start":1149.8099,"end":1150.69,"sentiment":"neutral","sentiment_score":0.1835082620382309},{"text":"I will just have a read and get...","start":1150.69,"end":1152.87,"sentiment":"neutral","sentiment_score":0.04952579503878951},{"text":"Be fine.","start":1153.57,"end":1154.3099,"sentiment":"neutral","sentiment_score":0.08937573060393333}],"sentiment":"neutral","sentiment_score":0.06922502466477454,"channel":1,"num_words":16,"start":1148.455,"end":1154.3099},{"sentences":[{"text":"Amazing.","start":1155.115,"end":1155.615,"sentiment":"neutral","sentiment_score":0.18018296360969543},{"text":"I will leave those two documents in the work email for you, but the one that I sent to your personal one, I'm just gonna cancel that just until","start":1156.235,"end":1164.66,"sentiment":"neutral","sentiment_score":0.06395862983732388}],"sentiment":"neutral","sentiment_score":0.06783277429640293,"channel":0,"num_words":30,"start":1155.115,"end":1164.66},{"sentences":[{"text":"Yep.","start":1164.445,"end":1164.945,"sentiment":"neutral","sentiment_score":0.04152261465787888}],"sentiment":"neutral","sentiment_score":0.04152261465787888,"channel":1,"num_words":1,"start":1164.445,"end":1164.945},{"sentences":[{"text":"I get it amended for you.","start":1164.66,"end":1166.28,"sentiment":"neutral","sentiment_score":0.08254717849195004}],"sentiment":"neutral","sentiment_score":0.08254717849195004,"channel":0,"num_words":6,"start":1164.66,"end":1166.28},{"sentences":[{"text":"Yep.","start":1166.765,"end":1167.265,"sentiment":"neutral","sentiment_score":0.10409992933273315},{"text":"Okay.","start":1167.405,"end":1167.905,"sentiment":"neutral","sentiment_score":0.1697310507297516},{"text":"No worries.","start":1167.965,"end":1168.785,"sentiment":"neutral","sentiment_score":0.3305169641971588}],"sentiment":"neutral","sentiment_score":0.2337162271142006,"channel":1,"num_words":4,"start":1166.765,"end":1168.785},{"sentences":[{"text":"Amazing.","start":1168.66,"end":1169.16,"sentiment":"positive","sentiment_score":0.8359158039093018},{"text":"You have a fantastic week, and I shall hopefully talk to you Friday, Monday.","start":1169.46,"end":1174.7749,"sentiment":"positive","sentiment_score":0.799432030745915}],"sentiment":"positive","sentiment_score":0.8018642822901408,"channel":0,"num_words":15,"start":1168.66,"end":1174.7749},{"sentences":[{"text":"Okay.","start":1175.885,"end":1176.285,"sentiment":"positive","sentiment_score":0.545275092124939},{"text":"Perfect.","start":1176.285,"end":1176.785,"sentiment":"positive","sentiment_score":0.7340991497039795},{"text":"Okay.","start":1177.37,"end":1177.77,"sentiment":"positive","sentiment_score":0.5430448055267334},{"text":"Thank you, Tommy.","start":1177.77,"end":1178.75,"sentiment":"positive","sentiment_score":0.7992179195086161}],"sentiment":"positive","sentiment_score":0.7033454676469167,"channel":1,"num_words":6,"start":1175.885,"end":1178.75},{"sentences":[{"text":"No worries at all.","start":1179.235,"end":1180.0349,"sentiment":"positive","sentiment_score":0.5445834696292877},{"text":"Have a lovely day.","start":1180.0349,"end":1181.1749,"sentiment":"positive","sentiment_score":0.7290438264608383}],"sentiment":"positive","sentiment_score":0.636813648045063,"channel":0,"num_words":8,"start":1179.235,"end":1181.1749},{"sentences":[{"text":"You too.","start":1181.53,"end":1182.27,"sentiment":"positive","sentiment_score":0.5025070905685425},{"text":"K.","start":1182.41,"end":1182.65,"sentiment":"neutral","sentiment_score":0.1737084984779358},{"text":"Bye.","start":1182.65,"end":1183.15,"sentiment":"neutral","sentiment_score":0.23781388998031616}],"sentiment":"positive","sentiment_score":0.35413414239883423,"channel":1,"num_words":4,"start":1181.53,"end":1183.15},{"sentences":[{"text":"Thank you.","start":1182.755,"end":1183.3949,"sentiment":"positive","sentiment_score":0.6282407939434052},{"text":"Bye.","start":1183.3949,"end":1183.8949,"sentiment":"neutral","sentiment_score":-0.11280076950788498}],"sentiment":"positive","sentiment_score":0.38122693945964176,"channel":0,"num_words":3,"start":1182.755,"end":1183.8949}]},"summary":{"result":"success","short":"A senior adviser discusses insurance updates and the need for a will to match mortgage and trimming income protection. They also mention the process for filing a will and the possibility of a power of attorney. The speaker provides guidance on navigating the digital system and discusses health questions related to policy. They also suggest a new provider for insurance if they have a diagnosis, medication, or injury and offer to send a record of advice amendment and a personal statement. The customer will receive a text message with the amendment and a call back if there are any questions."},"intents":{"segments":[{"text":"So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell. Okay.","start_word":68,"end_word":100,"intents":[{"intent":"Update documents","confidence_score":0.01059819}]},{"text":"I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet. And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change. After the last change.","start_word":533,"end_word":598,"intents":[{"intent":"Rebalance investments","confidence_score":0.02049864}]},{"text":"Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile? Yeah.","start_word":857,"end_word":882,"intents":[{"intent":"Request documents","confidence_score":0.01565378}]},{"text":"So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote.","start_word":1373,"end_word":1405,"intents":[{"intent":"Update health questions","confidence_score":0.014526279}]},{"text":"The other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year. Okay.","start_word":1407,"end_word":1441,"intents":[{"intent":"Examine alternative providers","confidence_score":0.0041033076}]},{"text":"The only thing that we we didn't check at the time was what kind of health change have you had since June 2020. Yeah.","start_word":1441,"end_word":1464,"intents":[{"intent":"Check health change","confidence_score":0.67756635}]},{"text":"Now if there's no health changes at all, then it would be pretty easy to switch to another provider. Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude Yeah.","start_word":1465,"end_word":1505,"intents":[{"intent":"Switch to other provider","confidence_score":0.08369165}]},{"text":"I can probably forward this email to my work if I'm on... Give me a moment if you've got time. Is that alright? Or... Actually, what I could do... Do you want me to email through, like, a PDF to the work email? That way, it's Yep. a bit easier to view so it's not within the digital system. Yeah. Yes, please.","start_word":1594,"end_word":1655,"intents":[{"intent":"Forward email","confidence_score":0.7542268}]},{"text":"So I'm just going to say statement of advice and appendix. So I just wanna show you the research appendix. Please see attached.","start_word":1658,"end_word":1680,"intents":[{"intent":"Show research appendix","confidence_score":0.32654816}]},{"text":"Can you let me know what the email address is, Mhmm. please?","start_word":1681,"end_word":1692,"intents":[{"intent":"Provide email address","confidence_score":0.17362787},{"intent":"Confirm email address","confidence_score":0.06554022}]},{"text":"So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom? And if you go all the way across, it has a score of 81. Okay.","start_word":2024,"end_word":2068,"intents":[{"intent":"Discuss options and score","confidence_score":0.0000052758464},{"intent":"Discuss feature score","confidence_score":0.001091108}]},{"text":"So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead. Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern. Yeah.","start_word":2167,"end_word":2233,"intents":[{"intent":"Discuss health issues","confidence_score":0.03654968},{"intent":"Send document","confidence_score":0.12639225}]},{"text":"We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer. And if it gets accepted, we'll cancel the other one. If there's any issues, we can always just switch back to altering Neos as a plan b. How's that sound?","start_word":2306,"end_word":2357,"intents":[{"intent":"Discuss personal statement","confidence_score":0.04375455}]},{"text":"If there's any issues, we can always just switch back to altering Neos as a plan b. How's that sound?","start_word":2338,"end_word":2357,"intents":[{"intent":"Discuss switch to plan b","confidence_score":0.010019549}]},{"text":"So what I'll do is I'm gonna get my my support team to amend the document.","start_word":2455,"end_word":2470,"intents":[{"intent":"Amend document","confidence_score":0.656968}]},{"text":"That's all.","start_word":2536,"end_word":2537,"intents":[{"intent":"Get quote","confidence_score":0.0022734343}]},{"text":"So I'll get that through to you. Hopefully, Friday, Monday at the latest, we'll just Mhmm. go through. And once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go. And they come back with any issues, then we'll just pivot back to Neos instead. Yeah.","start_word":2552,"end_word":2609,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.40887997}]},{"text":"And, again, we won't cancel anything until it's in place just to make sure you're not left out. Yeah.","start_word":2612,"end_word":2630,"intents":[{"intent":"Cancel purchase","confidence_score":0.004633856}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Rubino. It's Tommy here, senior adviser. Thank you for calling back in.","start_word":0,"end_word":13,"sentiment":"positive","sentiment_score":0.47641298174858093},{"text":"Yeah. No worries. Yeah. Sorry. I missed your call. That's no worries at all. I had a little bit of time between now and my next appointment on the hour, so I thought why not have a quick chat now if you do have five, ten minutes for me? Yes. For sure.","start_word":14,"end_word":65,"sentiment":"neutral","sentiment_score":0.15924297273159027},{"text":"Yep. Perfect.","start_word":66,"end_word":67,"sentiment":"positive","sentiment_score":0.45724478363990784},{"text":"So what I'm gonna do is we were just sending through an updated advice document just outlining the the change we wanted to make for the insurances if that rings a bell. Okay. Yeah. Yep. So I'll get that through to you just so you have it so you can have some time to read through it. And I'm just gonna send it through to the Gmail if that's still your your main email address. Yeah. No worries. Now up to you. I can kind of run you through the cliff notes of what we're doing and and a few key details if you don't have too much time now, or we can walk through the the document in-depth together. What would you prefer? No. Either either. I've got time. I'm working from home, but, you know, I've got my son who likes to interrupt, but he's busy at the moment. So so it should be fine. No worries at all. So if you can have a quick look at the email there, I just wanna kind of pull you to the key points before I have to jet set for a little bit. And there was really a couple of little tweaks that we made from our last discussion that I wanna run by you as well. Now you should see Okay. it... I believe it'll go through your main inbox because we've used the system before, the new system. And if you can Yep. go into I've the got email it, but it just Yep. says signed document. Do I open that? Yeah. So when you hit that, it'll Okay. open up. There's about seven documents inside there, but we just wanna scroll through the first one together. Mhmm. K. You should be able to see, like, a beachfront city Gold Coast picture on the front of the the first document there.","start_word":68,"end_word":381,"sentiment":"neutral","sentiment_score":0.13710603839272906},{"text":"Oh, nice.","start_word":382,"end_word":383,"sentiment":"positive","sentiment_score":0.5528630018234253},{"text":"Yeah. Just taking a bit of time. Oh, yes. There's so many pages on... When you add all the documents together, it can take a minute to load. And... It's pretty funny because I've got Starlink, but then sometime it works faster on my data, my phone data. Yep. Yeah. So I'm just... Fluctuates every now and then. Yeah. Which one is faster? Maybe I should go over to Wi Fi and try that. See if that Yeah. Now just while you're doing that, do goes you want me to just run through, I guess, the the sort of scope faster. that we were covering? Yeah. Sure. So the main thing was the sort of increase in the life and disability insurance to kind of match the mortgage and just trimming down the income protection because it was a bit over insured if that rings a bell. Okay. Yeah. I think the only thing that I've added in there was there was a couple reminders on the estate planning side of things just in case if you don't have a will in place just yet. And a little bit of a rebalance I wanna do to the super, but we won't really change any of the investments after the last change. After the last change. Yeah. I guess with the will side of things, I'm kind of... Yeah. I would like to do a will Yeah. or, you know, power of attorney. Like, which one is, you know, like, I don't know the difference. Yeah. That's a really good one because the power of attorney is if you're... Like, let's say you're in hospital and you can't act on your own behalf, it means someone can, you know, access the bank accounts, talk to the doctors, whereas the will handles the passing of the Okay. assets. Mhmm. So I know it's the probably worthwhile Australia having Post has some... Yeah. Like, you know how sometimes people could spend thousands of dollars on a will at the... With a solicitor? Well, Australia Post has government approved, like, power of attorney kits for, like, $25 a pop. So Mhmm. Yes. just Mhmm.","start_word":384,"end_word":743,"sentiment":"neutral","sentiment_score":0.05845862295892504},{"text":"to get something in place, it's nice to have those.","start_word":744,"end_word":753,"sentiment":"positive","sentiment_score":0.43701350688934326},{"text":"Yep. Yep. Yep. Okay. I'll K. just... Yeah. I'll try to do that. Alright. That's fine. And with the will, is that something I can do through you guys, or is that separate again with post office? Yeah. So there's three options. You've got solicitors in the area. We do have some lawyers that do kind of accounted online wills that we can send you through a pack for, and there's also the post office will kits, which are pretty basic as well. I think the online ones might be somewhere between maybe 4 600 from Okay. memory, just depending on the complexity. Would you like me to get the team to sort of send through just some, you know, brochures and links to see if it's worthwhile? Yeah. Yes, please.","start_word":754,"end_word":884,"sentiment":"neutral","sentiment_score":0.07883711904287338},{"text":"Perfect.","start_word":885,"end_word":885,"sentiment":"positive","sentiment_score":0.4417310953140259},{"text":"And how are you going with the old style link over there? Yeah. Like, I've opened it. So I'm at the first place to document Best interest, Judy. There? Perfect. So if you can keep scrolling down for me, you'll see a scope of advice heading, which was again just focusing on the super and the insurance at this point. Five. Considered. Okay. Yep. And then if you go past there, you'll see estate planning. And then what we're not covering in this document on the page after, which is cash flow and debt management. Like, we're not giving you advice around, you know, your budget for the mortgage and things like that at this point. That's something that you're handling personally, but we can always help with budget spreadsheets and and helping you get a handle on things that way as well. Now the main thing I wanted to kind of go down to if you can, can you see on the bottom of the pages Mhmm. the page numbers there? Yep. Yep. Now the digital system, it also has page numbers at the top right. So what I'm sort of saying is when you're on page five on the document, it'll say you're on page six in the system. I'm not sure if you can see both of those just so you can get a ease Yeah. of navigating. I'm on five ten and eleven. Ten eleven. And what can you see on So those pages? so back to 10. So 10, I can see your current risk protection. Yes. And then on the 11, you'll see the risk profile being high growth. Yes.","start_word":886,"end_word":1161,"sentiment":"neutral","sentiment_score":0.062499378956314446},{"text":"Yes. Perfect.","start_word":1162,"end_word":1163,"sentiment":"positive","sentiment_score":0.5380228161811829},{"text":"So if you wanna keep scrolling down for me, two more pages, you'll see strategy recommendations. Oh, yeah. And can you see the bottom half of that page? There's a blue table there showing the Neos, what it is currently versus what we're recommending. Yeah. Yeah. Okay. Yep. So there's Nios Life PPD and IPE, and that's Correct. 3 And then 40 if you go 2. if you go down on that column, you'll see 343000 for the life benefit, 343,000 for the TPD, which is disability, and then income protection underneath that, 6,219 a month worth of cover. Okay. Now on the right hand side, if we were to match it to 75 percent of your income, the income protection would drop down to $556.02 per month, and the life and TPD, we were gonna bump up to around $4.85 to cover the mortgage. Mhmm. Now what that does, one trim down, one bump up, it probably costs an extra $300 per year for the extra 150,000 of life and disability insurance. That's what we're looking at figures wise. Okay. Yeah. K. So not too much of a jump there for that bump up to protect the mortgage. There was an alternative I did wanna run by you. So this is an alteration with Neos where we would just go through a couple of sort of updated health questions since the policy was put in force to to apply that quote. The other thing that was an option was we found some alternative providers who could kind of overhaul and replace the entire package, and it might be a couple thousand dollars less per year. Okay. The only thing that we we didn't check at the time was what kind of health change have you had since June 2020. Yeah. Now if there's no health changes at all, then it would be pretty easy to switch to another provider. Whereas if there's a diagnosis, medication, or injury, then we would have to be careful not to leave you with exclude Yeah. Not not... Nothing that I know of. No health thing. Just Yeah. Yeah. So what tends to happen is if we go through with the other providers, aging. are you able to see on there the buttons on the document? There's... I'm hoping that there's, like, a little arrows at the top of that digital system where you can maybe Yes. switch switch to the documents. Okay. No. That says decline... Design. I'm actually just on my phone, so I don't Oh, know yep. what... Yeah. Hang on. I can probably forward this email to my work if I'm on... Give me a moment if you've got time. Is that alright? Or... Actually, what I could do... Do you want me to email through, like, a PDF to the work email? That way, it's Yep. a bit easier to view so it's not within the digital system. Yeah. Yes, please. Yeah.","start_word":1164,"end_word":1656,"sentiment":"neutral","sentiment_score":0.0007317119573656673},{"text":"Perfect.","start_word":1657,"end_word":1657,"sentiment":"positive","sentiment_score":0.5274121165275574},{"text":"So I'm just going to say statement of advice and appendix. So I just wanna show you the research appendix. Please see attached. Can you let me know what the email address is, Mhmm. please? Alright. Oh, And so I'm good to go. name, lowercase, u w e I n n a dot Yep. mythirn, a l b e r t, Yep. @n,dasinknockitdown,.edu.au. Alright. And so that's n for Nelly, d for delta, dot e d u dot a u? Yes.","start_word":1658,"end_word":1738,"sentiment":"neutral","sentiment_score":0.09962263988491928},{"text":"Yeah. Perfect.","start_word":1739,"end_word":1740,"sentiment":"positive","sentiment_score":0.5863909125328064},{"text":"And then what I'm gonna do is I'm just gonna attach these two documents there. Just Mhmm. bear with me for one moment. And statement of advice and appendix. I'll swing those on. And I'm hoping, because it's the first time that I've emailed this email address from mine, that it won't take too long to come through. Okay.","start_word":1741,"end_word":1799,"sentiment":"neutral","sentiment_score":0.233193039894104},{"text":"Yes.","start_word":1800,"end_word":1800,"sentiment":"positive","sentiment_score":0.3445098400115967},{"text":"And hopefully, without all those supplementary attachments, it's a little bit faster than when you attach another 2,000 pages along with it of product documents. Alright. So that has sent through now, and it might be in the junk folder or main inbox. Alright. Now has the email come through at all? Or... No. Let me So do is it again.","start_word":1801,"end_word":1861,"sentiment":"neutral","sentiment_score":0.10531847923994064},{"text":"sometimes it's like a ten, fifteen minutes later kinda thing. It's never fun.","start_word":1862,"end_word":1874,"sentiment":"negative","sentiment_score":-0.4376815855503082},{"text":"Oh, hang on. It's updating. Oh, Oh, no. Maybe you're back in the junk. Let me check a look. And I'll just double check. So first name dot last name@ndat.edu.au? @nd.edu.au. Yes. Yep. N d dot e d u dot a u. Oh, here we go. Yep. Got it.","start_word":1875,"end_word":1923,"sentiment":"neutral","sentiment_score":-0.04065683111548424},{"text":"Perfect.","start_word":1924,"end_word":1924,"sentiment":"positive","sentiment_score":0.33723998069763184},{"text":"Appendix. Now So appendix that's what we wanna look at. It's just the appendix and is a bit more like a a mountainous then... forest range. Okay. Yep. Can you see that one there? Yeah. Just a moment. Sorry. So If I'm we go in... down eight pages to The the payday? eight page. Yep. You... What you'll see around the bottom half of that is all of the insurer logos. Blue and green and red and purple and... Okay. Yeah. Can you see those there with the different scores and prices? Yes. Yes. Summary So... report. Yep. So the alternative that we can look at is if you look at the bottom, can you see at the bottom right of the table, Neos is the the bottom? And if you go all the way across, it has a score of 81. Okay. Yep. Mhmm. Now what that means is that that's kind of all the small print and the fine print under the hood.","start_word":1925,"end_word":2089,"sentiment":"neutral","sentiment_score":0.07621621534679875},{"text":"You want a really good feature score. You... Essentially, with these insurances, you want more features, more fine print because it means more options, more things to claim on.","start_word":2090,"end_word":2118,"sentiment":"positive","sentiment_score":0.4533010721206665},{"text":"Now what the alternative is is if you look at the red one AIA and the kind of blue one above that Clearview, they're both pretty well in line with that same feature score in terms of quality, but they're a lot lower price. Yep. Yep. I see. So if you're comfortable to look at that alternative, I can send you through a bit of, like, a record of advice amendment where instead of altering Neos, we can give it a go and see if we can apply through Clearview instead. Would that be okay to look at If you don't think there'd be any health issues popping up, that may be a concern. Yeah. That's... I mean, that's fine. Yeah. We could probably do that. Why not? K. So what we'll do is don't sign that document today in the pack. I'm gonna send through an amendment by the end of the week just with the Clearview included in so you can see the difference that that makes to the super with the premiums. And then from there, have a read through, sign if you're comfortable. We basically get you booked in for, like, a half an hour chat to go through the personal statement for the insurer. And if it gets accepted, we'll cancel the other one. If there's any issues, we can always just switch back to altering Neos as a plan b. How's that sound? Yeah.","start_word":2119,"end_word":2358,"sentiment":"neutral","sentiment_score":0.11475897580385208},{"text":"That should be fine.","start_word":2359,"end_word":2362,"sentiment":"positive","sentiment_score":0.38761574029922485},{"text":"Yeah. I'll think about it because... Yeah. I mean, I think... Yeah. But that's you guys' advice kind of thing. It saves a bit a a few 100 here and there.","start_word":2363,"end_word":2393,"sentiment":"neutral","sentiment_score":0.15944967106465371},{"text":"And, I mean, the performance indicated is pretty good. Correct. And and that's the thing is if we can keep getting that good performance, that 11%, and if we can trim down the premiums a couple of thousand, that'll compound really well over the next five and ten years.","start_word":2394,"end_word":2442,"sentiment":"positive","sentiment_score":0.4375208914279938},{"text":"Okay. Yeah. Yeah. No. Cool. I'm fine. That's... Yeah.","start_word":2443,"end_word":2451,"sentiment":"neutral","sentiment_score":0.12010056525468826},{"text":"Give that Awesome.","start_word":2452,"end_word":2454,"sentiment":"positive","sentiment_score":0.38954615592956543},{"text":"So what I'll do is I'm gonna get my my support team to amend the document. And then as soon as we get that through to you, I'll send you a text message just to look for the email. a And crack. then just give us a callback if you've got any questions before you sign it, and then I'll get you booked in for... Like, we can't book you in for the application until we have the quote back signed. That's all. Yes.","start_word":2455,"end_word":2538,"sentiment":"neutral","sentiment_score":0.040575411170721054},{"text":"Terrific.","start_word":2539,"end_word":2539,"sentiment":"positive","sentiment_score":0.4936828017234802},{"text":"Yes. Cool. Any questions at this point? No. That's fine. Yeah.","start_word":2540,"end_word":2550,"sentiment":"neutral","sentiment_score":0.08016175776720047},{"text":"Amazing.","start_word":2551,"end_word":2551,"sentiment":"positive","sentiment_score":0.35604262351989746},{"text":"So I'll get that through to you. Hopefully, Friday, Monday at the latest, we'll just Mhmm. go through. And once that comes back, we'll rebalance the portfolio and the soup keep it about the same, and then we'll give Clearview a go. And they come back with any issues, then we'll just pivot back to Neos instead. Yeah.","start_word":2552,"end_word":2609,"sentiment":"neutral","sentiment_score":0.12503591179847717},{"text":"Perfect. Amazing.","start_word":2610,"end_word":2611,"sentiment":"positive","sentiment_score":0.379662573337555},{"text":"And, again, we won't cancel anything until it's in place just to make sure you're not left out. Yeah. Okay. Perfect.","start_word":2612,"end_word":2632,"sentiment":"neutral","sentiment_score":0.20929887890815735},{"text":"Amazing, Irina.","start_word":2633,"end_word":2634,"sentiment":"positive","sentiment_score":0.42787131667137146},{"text":"Look.","start_word":2635,"end_word":2635,"sentiment":"neutral","sentiment_score":0.30650264024734497},{"text":"Thank you so much for calling me back today.","start_word":2636,"end_word":2644,"sentiment":"positive","sentiment_score":0.44059666991233826},{"text":"Is there any questions you have before I let you go? Oh, no. That's fine. Thank you. I will just have a read and get... Be fine. Amazing. I will leave those two documents in the work email for you, but the one that I sent to your personal one, I'm just gonna cancel that just until Yep. I get it amended for you. Yep. Okay.","start_word":2645,"end_word":2710,"sentiment":"neutral","sentiment_score":0.08094300284530177},{"text":"No worries. Amazing. You have a fantastic week, and I shall hopefully talk to you Friday, Monday. Okay. Perfect. Okay. Thank you, Tommy. No worries at all. Have a lovely day. You too.","start_word":2711,"end_word":2743,"sentiment":"positive","sentiment_score":0.6883687376976013},{"text":"K. Bye.","start_word":2744,"end_word":2745,"sentiment":"neutral","sentiment_score":0.2121717482805252},{"text":"Thank you.","start_word":2746,"end_word":2747,"sentiment":"positive","sentiment_score":0.629647433757782},{"text":"Bye.","start_word":2748,"end_word":2748,"sentiment":"neutral","sentiment_score":0.3282742202281952}],"average":{"sentiment":"neutral","sentiment_score":0.0999189459970646}}}}