{"metadata":{"transaction_key":"deprecated","request_id":"01a01e0f-6cc7-7261-830c-aa32767bf025","sha256":"c69f89f6f2271ba67e798286df2097680db9f6bd051bdf916bdedfd7bb32fa5e","created":"2026-08-20T07:25:26.378Z","duration":1409.0399,"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":4686,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5040,"output_tokens":5050},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5040,"output_tokens":374}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Richard. This is Veronica from Oakview Financial. How are you? Good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Perfect. And how's your day been? Been busy? Well, I will try not to keep you for too long. I'll try to make it quick for you, Richard. Before I go any further, I do like to start by asking as well if there is anything specific you are hoping to get out of the review today or any particular questions or just a bit of a catch up really and see where everything's at? No. Yep. Alright. Perfect. So what I will do is just quickly run through a bit of an updated fact find with you just to see if there is anything major that has changed and if we need to make any tweaks and changes to your advice. Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that right? Yeah. Are they still financially dependent on you, or are they older? Okay. Perfect. And how old are they? Yep. Beautiful. Sorry. Kind of two still relying on you financially? Yep. Perfect. Now next up, Ken, I have here Kyla nominated. That's still the case as well? Next up, Ken, I have your wife nominated. Is that the case? That hasn't changed. And her phone number hasn't changed. It's still the same. Yep. Beautiful. Occupation wise, are you still working as a boilermaker supervisor, or has any of that changed? Yep. Same. Perfect. Income at about 01:20, or has that changed? Yeah. How much would you think? About one 30. Yep. Alright. Perfect. I'll put roughly $1.30. Asset wise, I have here your property was last tied at about 580,000. Is that still okay? Yeah. Perfect. And mortgage about $1.80? Yep. I have three motor vehicle combined value at about $1.20. Perfect. 15 owing combined. 15,000 owing combined on on all three. Does that sound about right? Mhmm. About 25. Perfect. Do you No? About 20? Okay. And do you still have the caravan? Yep. Still about 50 with about 28 owing. Yep. About 25. Great. Yep. And then about 2,000 in ZipPay. Yep. Perfect. Any other assets? Anything else that's changed for you? No. Not easy. Now health and lifestyle wise, has any have you had any changes to your health or injuries or issues or anything in the last twelve months? Batteries? Ah, yes. Yes. Yes. Perfect. Yes. And how much are they worth? Did you know? Okay. Perfect. And did you take a a loan or anything for them, or did you guys pay them? Yeah. Okay. Yep. No. That's all good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place, Richard? Nope. That's all good. And I can see here, sir, for your superannuation, in the event that something woulda happened to you, that that goes a 100% to your wife. That's still correct for you as well? Yep. Beautiful. Now I can see here that we don't Yes. I think it was a little while ago. Yes. I think it was a little while ago. Yep. Okay. Yeah. No. That's okay. What I can do is I can get the team to resend them to you. Do you have sure. Do you have access to a printer, or do you prefer post? Yep. Printer. Alright. So I'll get yeah. Perfect. Yeah. Alright. I'll just get them to email that to you again. Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and Yep. Yeah. Oh, perfect. How's it been? Yep. Okay. Perfect. If you do have yeah. And if you do have any questions or she has any questions in regards to it or want me to explain it further, just just let me know. Okay? Yeah. Alright. Beautiful. Now, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property. Otherwise, just kinda focusing on reducing the mortgage as much as possible. Is that still kind of the main priority for you? Yep. Perfect. Alright. Good. And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in regards to fluctuations and how you feel about market movements. Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer? Yeah. Perfect. And I have here that, ideally, you would love to draw about $800 per week from super at that time. Yep. Okay. Perfect. Yep. And when it comes to the level of risk that you are comfortable with taking for your superannuation, are you willing to accept very high risk, high moderates, or a small amount of risk for your superannuation? Moderate? Okay. Perfect. So just reducing that a little bit. And when it comes to fluctuations, if you placed an investment and found that the investment had dropped in value, Would you think that if you had the option to do so, now is potentially a good time to put a little bit more money in while the prices are down? Do you think you would rather just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? Just kind of hold it and see depending. Yep. Okay. Perfect. Now would you ever consider taking out a loan to buy an investment property? No. No. That's all good. Now, Richard, that basically tells me here that you have come out a little bit more defensive than how we currently have you invested in. So at the moment, we have you invested in a high growth portfolio, and you have come out kind of as more of your growth kind of borderline balance growth investors. Do you know the difference between those at all? Nope. That's all good. Now, essentially, a high growth investor is someone that's looking at getting as much growth as you possibly can out of super while you still have plenty of time until retirement. Also, someone who is comfortable with and understand that there will be some fluctuations in the short term in order to achieve that growth in the long term. So when we are talking about how the money is invested in a high growth portfolio, we typically see about 90% invested in what we would call your growth assets. Now this is a combination of Australian shares, international shares, and property as well, and that is what's going to maximize those returns for you over the long term. And then you do have about 10% in defensive. So that is like your cash, your gold, your fixed interest limit fluctuations a little bit. Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations. In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market. Now one step down, so a growth portfolio, it is fairly similar, but it's about a 10% difference. So you then look at about 80% in growth and 20 in defensive, so 10% more in defensive. So the difference between that is that in your growth portfolio, you might not have as much fluctuations as you do in a higher growth. But then on the long term, you might not have as high returns at the same time. A growth price yeah. You are in the high growth. Yes. Keep it like that. Yep. No. That's okay. And you still have that eight years, you know, until you can get the money. And if anything Yeah. Perfect. No. If anything does change, we can always reassess at HTS. So, obviously, the closer you get, if you then wanna start looking at reducing that, we can do that. But, otherwise, I will leave that in that high growth for now. And like I said, if you ever change your mind, you can just let us know. Yep. Perfect. Now, Richard, do you have access to your emails at the moment? Yep. Okay. So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time. Now let me know. So it should ask you to click on a link. It will allow you to look at all the documents first, though, just to make sure you are happy before it prompts you to sign anything. Yes. Yep. If you press that one, it should open up a couple of attachments. Doesn't let me know what you can see. The first one should The first one should say summary of superannuation and insurance. Oh, yeah. You can see that one? Yep. Yep. Perfect. So that one here gives you a bit of a breakdown of your super and your Now I did have a quick look at your super balance as of last year as well just to see for that comparison for you. And when we spoke doing that in review last year, your super balance was at a 135,993. And you can see that it's now up at a 149,721. Now underneath that, you then also have your ClearView insurance, and you have your life and total permanent disability insurance, and that is covering you for 327,069 if something were to happen. Are you still comfortable with the level of cover you have for life and TPD, or or what are your thoughts on that? That that's pretty good. Yep. Beautiful. Now you then also have an income protection policy, and that will pay you a monthly amount of $7,631 per month, which pretty much adds up very close to the income of the 130, which would be about 7,583. So pretty spot on with the monthly benefit amount. You do have that ninety day waiting period and a two year benefit period. Do you have any questions in regards to the income protection or wanting to make any changes or still happy with that? Yep. Yes. Yep. Beautiful. Now you have all those three structured from within superannuation. You do get a 15% tax rebate, and the premium for those three is 6,595. So, obviously, the insurances does get more more expensive the older you get. You're still happy with all your insurances and everything? Yep. Okay. Beautiful. Now next document for me, Richard, should be a performance report with Net Wealth. Yep. Now you have two added there for you. So one is twelve months, and one is three months. And that is just to show the change that we did make to one of your investments. So I'm not sure if you remember receiving an email from us back in March in regards to changing one of the investments for you. It was Yep. Perfect. So if you look at the twelve month report first, it should be the first one. The one that we did change for you so the investment committee does a lot of research, obviously, on all the investments all the time. And if there is an investment that is slightly underperforming and we foresee it not being the best investment option for you moving forward, we do wanna take that kind of proactive approach in swapping things for you and making sure that your super and everything continues to grow. That all make sense? Yeah. Yeah. Beautiful. So, basically correct. So on the twelve month report here, you can see that there was only one investment that was underperforming or was down. Everything else was doing good, and that was the Benelong Australian Equity Investment, so which is the one we changed for you. So then on the next document, the three month period, you can then kind of see the change, and you can see that when having a look at that one, you no longer had the Benelung investment, and instead, you had that substitute of the BetaShares Australia two 100, which is positive and going up, which is good. Yep. Any questions in regards to any of that? Well, that's pretty straightforward. Makes sense. Yeah. No. That's all good. Essentially, we just take that one investment, and that was one Australian investment for another Australian investment. The beta share is performing a bit better than the Bennelong, which is great. It's a little bit cheaper as well, which again is good. And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market. Whereas the new one, it's kind of tracking the 200 largest companies in Australia. So very diversified, and if there is a bit of to one company, it won't impact it as much because you do have 200 different companies within just the one investment. Does that kind of make sense? Yep. Yep. Beautiful. Now the next document for me there, which should should be your certificate of currency, or it's a Vanguard index charge. What can you see? So it's probably the Clearview one for you. It basically just breaks down your insurances in a bit more information, lets you know that's all paid and up to date for you. Yep. Beautiful. And if you wanna click next for me. Yep. Yep. And what does it say at the top? Is that pink and says clear view? Okay. Yep. So you're kind of still on that report, the one we just kinda went through. Yes, please. Yes. Yeah. So this is the one that shows your insurances again in more information. Now if you can press next for me. Yep. You probably have seen this a few times. It is one of those compliance documents. But it basically gives you all the important information in regards to us here at Oakview. None of the important information has changed. You can have a bit of a read through all the directors, our advisers, and everybody in there, but I'll let you do that in your own time so I don't keep you for too long. Now if you wanna press next for me, Richard. Yep. What can you see now? Yep. So this is your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now, Richard, there is no changes whatsoever in regards to the fee structure for you. It stays exactly the same at that 1.65 from super, but no changes at all in regards to that. And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime. Yep. So if you're happy to do so, this one here will ask for your signature at the bottom. Yep. Perfect. And that should be the last one. So once you've added the signature, it should say validate, I believe. Yes. Yep. That's the correct place. And it should ask you to draw yep. Yes. Perfect. And when you press validate, sometimes it takes a minute to load. Yeah. Perfect. So, basically, what it does, it is just sending it back to me, and I can get that all uploaded for you. It will also allow you to download a copy if you ever wanna go back and have a look at the documents. Yeah. So that's all there for you. So, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you. It's already in place with Super. Otherwise, that was essentially everything that I needed to touch off on on my end. But do you have any other questions for me at this point, Richard? No. Yep. Alright. Beautiful. If you do, you know, just just let us know. Just send us an email or give us a call. Or if anything changes for you and you ever wanna review your investments or insurances or anything, you can always just give us a call whenever you want to. Yeah. No problem at all. Well, I will let you go, and enjoy the rest of your evening there, Richard. And anything you need, just let us know. Okay. No worries. You too. Thanks. Bye.","confidence":0.99902344,"words":[{"word":"good","start":2.3999999,"end":2.6399999,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3356969952583313},{"word":"afternoon","start":2.6399999,"end":3.12,"confidence":0.9970703,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.3439123034477234},{"word":"richard","start":3.12,"end":3.4399998,"confidence":0.8430176,"punctuated_word":"Richard.","sentiment":"positive","sentiment_score":0.4078633189201355},{"word":"this","start":3.4399998,"end":3.6,"confidence":1.0,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.3728609085083008},{"word":"is","start":3.6,"end":3.76,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34577128291130066},{"word":"veronica","start":3.76,"end":4.16,"confidence":0.87158203,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.3226879835128784},{"word":"from","start":4.16,"end":4.48,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.27781641483306885},{"word":"oakview","start":4.48,"end":4.88,"confidence":0.54870605,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.2484673261642456},{"word":"financial","start":4.88,"end":5.38,"confidence":0.99902344,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.27032041549682617},{"word":"how","start":5.44,"end":5.68,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.24181237816810608},{"word":"are","start":5.68,"end":5.8399997,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20481571555137632},{"word":"you","start":5.8399997,"end":6.3399997,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2094825804233551},{"word":"good","start":8.16,"end":8.559999,"confidence":0.921875,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5326096415519714},{"word":"thanks","start":8.559999,"end":9.059999,"confidence":0.9921875,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6688947677612305},{"word":"i","start":9.92,"end":10.16,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.47948363423347473},{"word":"had","start":10.16,"end":10.32,"confidence":0.9970703,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4387564659118652},{"word":"you","start":10.32,"end":10.559999,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3732615113258362},{"word":"booked","start":10.559999,"end":10.8,"confidence":1.0,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.44404128193855286},{"word":"in","start":10.8,"end":10.96,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.504663348197937},{"word":"this","start":10.96,"end":11.12,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4878230392932892},{"word":"afternoon","start":11.12,"end":11.599999,"confidence":1.0,"punctuated_word":"afternoon","sentiment":"positive","sentiment_score":0.4299606680870056},{"word":"to","start":11.599999,"end":11.759999,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4267376661300659},{"word":"go","start":11.759999,"end":11.92,"confidence":0.99609375,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4378572106361389},{"word":"over","start":11.92,"end":12.08,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5229079127311707},{"word":"your","start":12.08,"end":12.32,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4769866168498993},{"word":"annual","start":12.32,"end":12.559999,"confidence":0.57714844,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.4989030659198761},{"word":"review","start":12.559999,"end":12.88,"confidence":0.8713379,"punctuated_word":"review.","sentiment":"positive","sentiment_score":0.3810328245162964},{"word":"is","start":12.88,"end":13.04,"confidence":0.97314453,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.3531729578971863},{"word":"now","start":13.04,"end":13.305,"confidence":0.94140625,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.3071175515651703},{"word":"still","start":13.305,"end":13.465,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3197891414165497},{"word":"a","start":13.465,"end":13.545,"confidence":0.9892578,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4278329014778137},{"word":"good","start":13.545,"end":13.705,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3751705288887024},{"word":"time","start":13.705,"end":14.205,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4842550754547119},{"word":"for","start":14.505,"end":15.005,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5069714784622192},{"word":"you","start":15.305,"end":15.625,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2528609037399292},{"word":"yep","start":15.625,"end":16.125,"confidence":0.9050293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18759816884994507},{"word":"perfect","start":16.185,"end":16.685,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4392271637916565},{"word":"now","start":17.065,"end":17.385,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16442561149597168},{"word":"just","start":17.385,"end":17.625,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07956534624099731},{"word":"before","start":17.625,"end":17.945,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05654168128967285},{"word":"i","start":17.945,"end":18.025,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09655138105154036},{"word":"do","start":18.025,"end":18.185001,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08974230289459229},{"word":"go","start":18.185001,"end":18.425,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08509044349193573},{"word":"any","start":18.425,"end":18.585,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04951416328549385},{"word":"further","start":18.585,"end":18.985,"confidence":0.9995117,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.039704371243715286},{"word":"i","start":18.985,"end":19.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06565894931554794},{"word":"just","start":19.145,"end":19.385,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07763099670410156},{"word":"need","start":19.385,"end":19.545,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06080492213368416},{"word":"to","start":19.545,"end":19.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06859680265188217},{"word":"let","start":19.865,"end":20.105,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07461071014404297},{"word":"you","start":20.105,"end":20.185,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06214670091867447},{"word":"know","start":20.185,"end":20.505001,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.054700449109077454},{"word":"that","start":20.505001,"end":20.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06016803160309792},{"word":"our","start":20.745,"end":20.825,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.040394559502601624},{"word":"calls","start":20.825,"end":21.145,"confidence":1.0,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.05449238792061806},{"word":"are","start":21.145,"end":21.305,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.052361976355314255},{"word":"being","start":21.305,"end":21.625,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.048624902963638306},{"word":"recorded","start":21.625,"end":22.025002,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.04183915629982948},{"word":"for","start":22.025002,"end":22.185001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.028484061360359192},{"word":"quality","start":22.185001,"end":22.585,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.05465769022703171},{"word":"and","start":22.585,"end":22.744999,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037338655441999435},{"word":"coaching","start":22.744999,"end":23.145,"confidence":0.9921875,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.07803560048341751},{"word":"purposes","start":23.145,"end":23.645,"confidence":0.8051758,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.06869116425514221},{"word":"if","start":23.785,"end":23.945,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10391418635845184},{"word":"that's","start":23.945,"end":24.185001,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07397031038999557},{"word":"okay","start":24.185001,"end":24.685001,"confidence":0.8000488,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09295232594013214},{"word":"perfect","start":26.904999,"end":27.404999,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.30907052755355835},{"word":"and","start":27.865,"end":28.105,"confidence":0.65722656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1325794756412506},{"word":"just","start":28.105,"end":28.265,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10723337531089784},{"word":"to","start":28.265,"end":28.425,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10765267163515092},{"word":"confirm","start":28.425,"end":28.904999,"confidence":0.99902344,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1870896816253662},{"word":"i'm","start":28.904999,"end":28.985,"confidence":0.95654297,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12328207492828368},{"word":"speaking","start":28.985,"end":29.28,"confidence":0.96875,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.08058454841375351},{"word":"with","start":29.36,"end":29.52,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08488398790359497},{"word":"the","start":29.52,"end":29.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1170823499560356},{"word":"right","start":29.6,"end":29.68,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.13135239481925964},{"word":"person","start":29.68,"end":30.18,"confidence":0.75683594,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.15971094369888306},{"word":"for","start":30.800001,"end":31.04,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11847004294395448},{"word":"security","start":31.04,"end":31.52,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1021089255809784},{"word":"purposes","start":31.52,"end":32.0,"confidence":0.9951172,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.13915163278579712},{"word":"could","start":32.0,"end":32.16,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1691146045923233},{"word":"i","start":32.16,"end":32.4,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12398958951234818},{"word":"please","start":32.4,"end":32.64,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.12310732901096344},{"word":"get","start":32.64,"end":32.8,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13044162094593048},{"word":"you","start":32.8,"end":32.96,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10782388597726822},{"word":"to","start":32.96,"end":33.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0988381803035736},{"word":"confirm","start":33.12,"end":33.52,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.09457457065582275},{"word":"your","start":33.52,"end":33.760002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08990409970283508},{"word":"full","start":33.760002,"end":34.0,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.11599527299404144},{"word":"name","start":34.0,"end":34.5,"confidence":0.9995117,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.08772334456443787},{"word":"date","start":34.8,"end":34.96,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1356583535671234},{"word":"of","start":34.96,"end":35.12,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11306186765432358},{"word":"birth","start":35.12,"end":35.36,"confidence":0.9885254,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.0996159166097641},{"word":"and","start":35.36,"end":35.6,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08427248895168304},{"word":"address","start":35.6,"end":36.0,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.08245322108268738},{"word":"for","start":36.0,"end":36.16,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09836188703775406},{"word":"me","start":36.16,"end":36.4,"confidence":0.9980469,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.08607752621173859},{"word":"please","start":36.4,"end":36.9,"confidence":0.9970703,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.08380298316478729},{"word":"perfect","start":42.4,"end":42.88,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29878634214401245},{"word":"and","start":42.88,"end":43.120003,"confidence":0.6484375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18000197410583496},{"word":"how's","start":43.120003,"end":43.28,"confidence":0.9890137,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.1461503505706787},{"word":"your","start":43.28,"end":43.52,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1224384680390358},{"word":"day","start":43.52,"end":43.68,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.1871246099472046},{"word":"been","start":43.68,"end":43.92,"confidence":0.9272461,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.13115939497947693},{"word":"been","start":43.92,"end":44.385,"confidence":0.90234375,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":0.01877395063638687},{"word":"busy","start":45.425,"end":45.925,"confidence":0.99902344,"punctuated_word":"busy?","sentiment":"neutral","sentiment_score":0.021293139085173607},{"word":"well","start":46.785,"end":47.024998,"confidence":0.97680664,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.09462100267410278},{"word":"i","start":47.024998,"end":47.184998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08669224381446838},{"word":"will","start":47.184998,"end":47.425,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.048583246767520905},{"word":"try","start":47.425,"end":47.585,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.05131068080663681},{"word":"not","start":47.585,"end":47.824997,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01303282380104065},{"word":"to","start":47.824997,"end":47.905,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008046582341194153},{"word":"keep","start":47.905,"end":48.144997,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.03776858001947403},{"word":"you","start":48.144997,"end":48.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034394219517707825},{"word":"for","start":48.385,"end":48.545,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004431173205375671},{"word":"too","start":48.545,"end":48.704998,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.04206748306751251},{"word":"long","start":48.704998,"end":48.864998,"confidence":0.9995117,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":0.06223724037408829},{"word":"i'll","start":48.864998,"end":49.105,"confidence":0.98168945,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22554759681224823},{"word":"try","start":49.105,"end":49.265,"confidence":0.9941406,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.21261334419250488},{"word":"to","start":49.265,"end":49.344997,"confidence":0.83203125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3072716295719147},{"word":"make","start":49.344997,"end":49.504997,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27272820472717285},{"word":"it","start":49.504997,"end":49.585,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3200761079788208},{"word":"quick","start":49.585,"end":49.824997,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2699359357357025},{"word":"for","start":49.824997,"end":49.984997,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3218876123428345},{"word":"you","start":49.984997,"end":50.144997,"confidence":0.99902344,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.31202709674835205},{"word":"richard","start":50.144997,"end":50.644997,"confidence":1.0,"punctuated_word":"Richard.","sentiment":"neutral","sentiment_score":0.24272191524505615},{"word":"before","start":51.905,"end":52.405,"confidence":0.703125,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.05064932256937027},{"word":"i","start":52.545,"end":52.704998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05566360056400299},{"word":"go","start":52.704998,"end":52.945,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06343062222003937},{"word":"any","start":52.945,"end":53.184998,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06184011325240135},{"word":"further","start":53.184998,"end":53.684998,"confidence":0.99902344,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.02180645801126957},{"word":"i","start":54.144997,"end":54.305,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039781808853149414},{"word":"do","start":54.305,"end":54.464996,"confidence":0.9086914,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04813511297106743},{"word":"like","start":54.464996,"end":54.625,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0709676742553711},{"word":"to","start":54.625,"end":54.784996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06055311858654022},{"word":"start","start":54.784996,"end":55.024998,"confidence":0.9941406,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.05943576991558075},{"word":"by","start":55.024998,"end":55.184998,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.048597533255815506},{"word":"asking","start":55.184998,"end":55.504997,"confidence":1.0,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":0.06975879520177841},{"word":"as","start":55.504997,"end":55.664997,"confidence":0.69921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06188340112566948},{"word":"well","start":55.664997,"end":55.824997,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07521858811378479},{"word":"if","start":55.824997,"end":55.984997,"confidence":0.8588867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07087120413780212},{"word":"there","start":55.984997,"end":56.144997,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06439860910177231},{"word":"is","start":56.144997,"end":56.305,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05687491595745087},{"word":"anything","start":56.305,"end":56.704998,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.058366551995277405},{"word":"specific","start":56.704998,"end":57.184998,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.03658219426870346},{"word":"you","start":57.184998,"end":57.344997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02073950693011284},{"word":"are","start":57.344997,"end":57.504997,"confidence":0.7871094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01942456141114235},{"word":"hoping","start":57.504997,"end":57.824997,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.02428964525461197},{"word":"to","start":57.824997,"end":57.984997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03411787375807762},{"word":"get","start":57.984997,"end":58.225,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0375811830163002},{"word":"out","start":58.225,"end":58.385,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06729257106781006},{"word":"of","start":58.385,"end":58.464996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08596296608448029},{"word":"the","start":58.464996,"end":58.625,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08217248320579529},{"word":"review","start":58.625,"end":59.104996,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.0780491977930069},{"word":"today","start":59.104996,"end":59.425,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.07413965463638306},{"word":"or","start":59.425,"end":59.82,"confidence":0.8432617,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04879162833094597},{"word":"any","start":60.06,"end":60.3,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06392857432365417},{"word":"particular","start":60.3,"end":60.8,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.04319741204380989},{"word":"questions","start":60.86,"end":61.34,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.027882974594831467},{"word":"or","start":61.34,"end":61.579998,"confidence":0.96435547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0362723208963871},{"word":"just","start":61.579998,"end":61.82,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04103221371769905},{"word":"a","start":61.82,"end":61.9,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03671649843454361},{"word":"bit","start":61.9,"end":62.06,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.056580834090709686},{"word":"of","start":62.06,"end":62.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.047068238258361816},{"word":"a","start":62.14,"end":62.22,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0217568539083004},{"word":"catch","start":62.22,"end":62.46,"confidence":0.9921875,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.018583908677101135},{"word":"up","start":62.46,"end":62.62,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.013823453336954117},{"word":"really","start":62.62,"end":62.94,"confidence":0.6621094,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.03694652020931244},{"word":"and","start":62.94,"end":63.02,"confidence":0.78759766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031923823058605194},{"word":"see","start":63.02,"end":63.18,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03970997408032417},{"word":"where","start":63.18,"end":63.34,"confidence":0.9921875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.01803770661354065},{"word":"everything's","start":63.34,"end":63.82,"confidence":0.9885254,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.016518572345376015},{"word":"at","start":63.82,"end":64.32,"confidence":0.78808594,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":-0.0014360211789608002},{"word":"no","start":66.54,"end":67.04,"confidence":0.873291,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18039445579051971},{"word":"yep","start":68.46,"end":68.86,"confidence":0.8598633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030779806897044185},{"word":"alright","start":68.86,"end":69.26,"confidence":0.9995117,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.11898388713598251},{"word":"perfect","start":69.26,"end":69.76,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.24004334211349487},{"word":"so","start":70.14,"end":70.38,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1265011578798294},{"word":"what","start":70.38,"end":70.54,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1226792111992836},{"word":"i","start":70.54,"end":70.7,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13641101121902466},{"word":"will","start":70.7,"end":70.86,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1272100955247879},{"word":"do","start":70.86,"end":71.1,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1687110811471939},{"word":"is","start":71.1,"end":71.34,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12194497138261796},{"word":"just","start":71.34,"end":71.58,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08924365043640137},{"word":"quickly","start":71.58,"end":71.979996,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1137230470776558},{"word":"run","start":71.979996,"end":72.22,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.07180648297071457},{"word":"through","start":72.22,"end":72.38,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0629308670759201},{"word":"a","start":72.38,"end":72.46,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07412981986999512},{"word":"bit","start":72.46,"end":72.619995,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08284033834934235},{"word":"of","start":72.619995,"end":72.7,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09257152676582336},{"word":"an","start":72.7,"end":72.86,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06134692206978798},{"word":"updated","start":72.86,"end":73.26,"confidence":0.98828125,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.06889359652996063},{"word":"fact","start":73.26,"end":73.58,"confidence":0.4580078,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.064041867852211},{"word":"find","start":73.58,"end":73.82,"confidence":0.37426758,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.05262598767876625},{"word":"with","start":73.82,"end":73.9,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07352476567029953},{"word":"you","start":73.9,"end":74.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1026138886809349},{"word":"just","start":74.325,"end":74.485,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11817055940628052},{"word":"to","start":74.485,"end":74.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07424411922693253},{"word":"see","start":74.645,"end":74.725,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07829835265874863},{"word":"if","start":74.725,"end":74.805,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07596275210380554},{"word":"there","start":74.805,"end":75.125,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0971945747733116},{"word":"is","start":75.125,"end":75.284996,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0536101832985878},{"word":"anything","start":75.284996,"end":75.604996,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.07423010468482971},{"word":"major","start":75.604996,"end":76.005,"confidence":0.90283203,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.015584513545036316},{"word":"that","start":76.005,"end":76.244995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011822447180747986},{"word":"has","start":76.244995,"end":76.564995,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.01506561040878296},{"word":"changed","start":76.564995,"end":76.965,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.03989958018064499},{"word":"and","start":76.965,"end":77.204994,"confidence":0.90722656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02791479229927063},{"word":"if","start":77.204994,"end":77.365,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04947461932897568},{"word":"we","start":77.365,"end":77.524994,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10471124947071075},{"word":"need","start":77.524994,"end":77.685,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09066639095544816},{"word":"to","start":77.685,"end":77.765,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08787323534488678},{"word":"make","start":77.765,"end":78.005,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05332023650407791},{"word":"any","start":78.005,"end":78.244995,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13916608691215515},{"word":"tweaks","start":78.244995,"end":78.564995,"confidence":1.0,"punctuated_word":"tweaks","sentiment":"neutral","sentiment_score":0.06410393118858337},{"word":"and","start":78.564995,"end":78.725,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.041115038096904755},{"word":"changes","start":78.725,"end":79.225,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.04041740298271179},{"word":"to","start":79.284996,"end":79.445,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05064668506383896},{"word":"your","start":79.445,"end":79.685,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.051605112850666046},{"word":"advice","start":79.685,"end":80.185,"confidence":0.9863281,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.00496363639831543},{"word":"now","start":82.085,"end":82.485,"confidence":0.83740234,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.04569493234157562},{"word":"when","start":82.485,"end":82.725,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04428638890385628},{"word":"it","start":82.725,"end":82.80499,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026104513555765152},{"word":"comes","start":82.80499,"end":83.045,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.04523602873086929},{"word":"to","start":83.045,"end":83.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.039701491594314575},{"word":"your","start":83.125,"end":83.445,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.013461221009492874},{"word":"personal","start":83.445,"end":83.924995,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.002335682511329651},{"word":"information","start":83.924995,"end":84.424995,"confidence":1.0,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":-0.024293359369039536},{"word":"i","start":85.365,"end":85.524994,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04437525197863579},{"word":"have","start":85.524994,"end":85.765,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03507925942540169},{"word":"you","start":85.765,"end":86.005,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04101785272359848},{"word":"down","start":86.005,"end":86.405,"confidence":0.9243164,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.031782135367393494},{"word":"here","start":86.405,"end":86.905,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.033494289964437485},{"word":"as","start":86.965,"end":87.465,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.027130231261253357},{"word":"married","start":87.82001,"end":88.32001,"confidence":0.65478516,"punctuated_word":"married","sentiment":"neutral","sentiment_score":-0.02316818386316299},{"word":"with","start":89.18,"end":89.66,"confidence":0.9448242,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01845131814479828},{"word":"no","start":89.66,"end":89.98,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.05920480191707611},{"word":"financial","start":89.98,"end":90.48,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.0993959978222847},{"word":"dependence","start":90.54,"end":91.04,"confidence":0.7897949,"punctuated_word":"dependence.","sentiment":"neutral","sentiment_score":-0.07313027232885361},{"word":"is","start":91.18,"end":91.340004,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.007801149040460587},{"word":"that","start":91.340004,"end":91.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006829511374235153},{"word":"right","start":91.58,"end":92.08,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.006086565554141998},{"word":"yeah","start":95.100006,"end":95.420006,"confidence":0.9411621,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011808970011770724},{"word":"are","start":95.420006,"end":95.58,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.043150320649147034},{"word":"they","start":95.58,"end":95.9,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02801327407360077},{"word":"still","start":95.9,"end":96.22,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04837248474359512},{"word":"financially","start":96.22,"end":96.72,"confidence":0.99902344,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":-0.03512841835618019},{"word":"dependent","start":96.86,"end":97.26,"confidence":0.99902344,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.034358326345682144},{"word":"on","start":97.26,"end":97.420006,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03532354533672333},{"word":"you","start":97.420006,"end":97.58,"confidence":0.8796387,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04073856770992279},{"word":"or","start":97.58,"end":97.82001,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07049324363470078},{"word":"are","start":97.82001,"end":97.9,"confidence":0.6298828,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04620995745062828},{"word":"they","start":97.9,"end":98.060005,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.045247096568346024},{"word":"older","start":98.060005,"end":98.560005,"confidence":0.99853516,"punctuated_word":"older?","sentiment":"neutral","sentiment_score":-0.06448914110660553},{"word":"okay","start":101.98,"end":102.48,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.021365858614444733},{"word":"perfect","start":102.54,"end":103.04,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.020883282646536827},{"word":"and","start":103.215,"end":103.454994,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02359983511269093},{"word":"how","start":103.454994,"end":103.615,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.023505039513111115},{"word":"old","start":103.615,"end":103.695,"confidence":0.99609375,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.02405504882335663},{"word":"are","start":103.695,"end":103.935,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04426983371376991},{"word":"they","start":103.935,"end":104.435,"confidence":0.9995117,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.023959077894687653},{"word":"yep","start":108.73499,"end":109.23499,"confidence":0.9711914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.005663249175995588},{"word":"beautiful","start":116.73499,"end":117.23499,"confidence":0.8286133,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":-0.002637270838022232},{"word":"sorry","start":117.454994,"end":117.774994,"confidence":0.9104004,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.28034210205078125},{"word":"kind","start":117.774994,"end":118.015,"confidence":0.99609375,"punctuated_word":"Kind","sentiment":"neutral","sentiment_score":-0.2922043204307556},{"word":"of","start":118.015,"end":118.335,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2852918803691864},{"word":"two","start":118.335,"end":118.655,"confidence":0.6196289,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.4064652919769287},{"word":"still","start":118.73499,"end":119.19,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.3190540373325348},{"word":"relying","start":119.270004,"end":119.43,"confidence":0.97998047,"punctuated_word":"relying","sentiment":"neutral","sentiment_score":-0.30263879895210266},{"word":"on","start":119.43,"end":119.590004,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.28054079413414},{"word":"you","start":119.590004,"end":119.91,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31933486461639404},{"word":"financially","start":119.91,"end":120.41,"confidence":0.8588867,"punctuated_word":"financially?","sentiment":"neutral","sentiment_score":-0.2200152426958084},{"word":"yep","start":121.75,"end":122.25,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01096689235419035},{"word":"perfect","start":122.310005,"end":122.810005,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":-0.013581017032265663},{"word":"now","start":124.310005,"end":124.71,"confidence":0.8618164,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05864829570055008},{"word":"next","start":124.71,"end":125.03,"confidence":0.9580078,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04949428513646126},{"word":"up","start":125.03,"end":125.270004,"confidence":0.91967773,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.053770486265420914},{"word":"ken","start":125.270004,"end":125.590004,"confidence":0.9238281,"punctuated_word":"Ken,","sentiment":"neutral","sentiment_score":0.06408224999904633},{"word":"i","start":125.590004,"end":125.670006,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0859529972076416},{"word":"have","start":125.670006,"end":125.91,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09544094651937483},{"word":"here","start":125.91,"end":126.310005,"confidence":0.90527344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.09786557406187056},{"word":"kyla","start":126.310005,"end":126.71,"confidence":0.82958984,"punctuated_word":"Kyla","sentiment":"neutral","sentiment_score":0.08443087339401245},{"word":"nominated","start":126.71,"end":127.21,"confidence":0.9855957,"punctuated_word":"nominated.","sentiment":"neutral","sentiment_score":0.15965300798416138},{"word":"that's","start":127.270004,"end":127.51,"confidence":0.85498047,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12729212641716003},{"word":"still","start":127.51,"end":127.75,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07729522138834},{"word":"the","start":127.75,"end":127.91,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0810713917016983},{"word":"case","start":127.91,"end":128.15001,"confidence":0.99902344,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.07585280388593674},{"word":"as","start":128.15001,"end":128.31,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09445604681968688},{"word":"well","start":128.31,"end":128.81,"confidence":0.9616699,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.06583225727081299},{"word":"next","start":131.59,"end":131.91,"confidence":0.7753906,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":0.03357597067952156},{"word":"up","start":131.91,"end":132.07,"confidence":0.99365234,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.033307500183582306},{"word":"ken","start":132.07,"end":132.31,"confidence":0.9638672,"punctuated_word":"Ken,","sentiment":"neutral","sentiment_score":0.04445981979370117},{"word":"i","start":132.31,"end":132.39,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06458286941051483},{"word":"have","start":132.39,"end":132.63,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06283392757177353},{"word":"your","start":132.63,"end":132.79001,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05623435229063034},{"word":"wife","start":132.79001,"end":133.19,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.045117489993572235},{"word":"nominated","start":133.19,"end":133.69,"confidence":0.9921875,"punctuated_word":"nominated.","sentiment":"neutral","sentiment_score":0.12372207641601562},{"word":"is","start":133.83,"end":134.07,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.048001691699028015},{"word":"that","start":134.07,"end":134.385,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07110560685396194},{"word":"the","start":135.185,"end":135.265,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00502508319914341},{"word":"case","start":135.265,"end":135.58499,"confidence":0.9616699,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":0.0037416652776300903},{"word":"that","start":135.58499,"end":135.825,"confidence":0.93603516,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.12767744064331055},{"word":"hasn't","start":135.825,"end":136.22499,"confidence":0.99658203,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.18272769451141355},{"word":"changed","start":136.22499,"end":136.465,"confidence":0.44934082,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.2940995693206787},{"word":"and","start":136.465,"end":136.625,"confidence":0.97509766,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14572151005268097},{"word":"her","start":136.625,"end":136.86499,"confidence":0.99902344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.11959773302078248},{"word":"phone","start":136.86499,"end":137.025,"confidence":0.99902344,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.1137828528881073},{"word":"number","start":137.025,"end":137.345,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.1083119735121727},{"word":"hasn't","start":137.345,"end":137.745,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.1241896152496338},{"word":"changed","start":137.745,"end":138.22499,"confidence":0.91967773,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.12907439470291138},{"word":"it's","start":138.22499,"end":138.465,"confidence":0.9609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05780687928199768},{"word":"still","start":138.465,"end":138.78499,"confidence":0.98828125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04405459016561508},{"word":"the","start":138.78499,"end":138.94499,"confidence":0.94140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04183976352214813},{"word":"same","start":138.94499,"end":139.44499,"confidence":0.9580078,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.032484427094459534},{"word":"yep","start":139.58499,"end":139.905,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12152224034070969},{"word":"beautiful","start":139.905,"end":140.405,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4437206387519837},{"word":"occupation","start":141.185,"end":141.685,"confidence":0.99902344,"punctuated_word":"Occupation","sentiment":"neutral","sentiment_score":0.07923360168933868},{"word":"wise","start":141.905,"end":142.305,"confidence":0.9975586,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.03952004015445709},{"word":"are","start":142.305,"end":142.465,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0010061990469694138},{"word":"you","start":142.465,"end":142.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011126920580863953},{"word":"still","start":142.625,"end":142.86499,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0021403785794973373},{"word":"working","start":142.86499,"end":143.185,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.00977904349565506},{"word":"as","start":143.185,"end":143.345,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01555708423256874},{"word":"a","start":143.345,"end":143.50499,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028346959501504895},{"word":"boilermaker","start":143.50499,"end":144.00499,"confidence":0.9135742,"punctuated_word":"boilermaker","sentiment":"neutral","sentiment_score":0.032633766531944275},{"word":"supervisor","start":144.385,"end":144.885,"confidence":0.91674805,"punctuated_word":"supervisor,","sentiment":"neutral","sentiment_score":0.02462117373943329},{"word":"or","start":144.94499,"end":145.105,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.010127002373337746},{"word":"has","start":145.105,"end":145.345,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.007504485547542572},{"word":"any","start":145.345,"end":145.58499,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04729159921407699},{"word":"of","start":145.58499,"end":145.665,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05421243980526924},{"word":"that","start":145.665,"end":145.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04561794549226761},{"word":"changed","start":145.905,"end":146.405,"confidence":0.9970703,"punctuated_word":"changed?","sentiment":"neutral","sentiment_score":-0.02013501524925232},{"word":"yep","start":146.86499,"end":147.36499,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.010850328952074053},{"word":"same","start":147.42499,"end":147.905,"confidence":0.81152344,"punctuated_word":"Same.","sentiment":"neutral","sentiment_score":0.047070808708667755},{"word":"perfect","start":147.905,"end":148.405,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.22332434356212616},{"word":"income","start":149.025,"end":149.50499,"confidence":0.99902344,"punctuated_word":"Income","sentiment":"neutral","sentiment_score":0.07325147092342377},{"word":"at","start":149.50499,"end":149.665,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017064746469259262},{"word":"about","start":149.665,"end":149.985,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04305986315011978},{"word":"01:20","start":149.985,"end":150.68001,"confidence":0.94763184,"punctuated_word":"01:20,","sentiment":"neutral","sentiment_score":0.04444011300802231},{"word":"or","start":150.68001,"end":150.84,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011781575158238413},{"word":"has","start":150.84,"end":151.08,"confidence":0.9838867,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0126599483191967},{"word":"that","start":151.08,"end":151.32,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05647513270378113},{"word":"changed","start":151.32,"end":151.82,"confidence":0.99902344,"punctuated_word":"changed?","sentiment":"neutral","sentiment_score":0.052634626626968384},{"word":"yeah","start":154.6,"end":155.0,"confidence":0.954834,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00325738824903965},{"word":"how","start":155.0,"end":155.24,"confidence":0.9980469,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.014222562313079834},{"word":"much","start":155.24,"end":155.48,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.011419100686907768},{"word":"would","start":155.48,"end":155.72,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01065693236887455},{"word":"you","start":155.72,"end":155.88,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011177970096468924},{"word":"think","start":155.88,"end":156.38,"confidence":0.98999023,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":-0.0219278521835804},{"word":"about","start":163.64,"end":163.88,"confidence":0.83984375,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.05173034965991974},{"word":"one","start":163.88,"end":164.12,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05105874687433243},{"word":"30","start":164.12,"end":164.62,"confidence":0.9316406,"punctuated_word":"30.","sentiment":"neutral","sentiment_score":0.005989122204482555},{"word":"yep","start":165.16,"end":165.66,"confidence":0.81811523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05227116867899895},{"word":"alright","start":165.735,"end":166.135,"confidence":0.8508301,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16384094953536987},{"word":"perfect","start":166.135,"end":166.215,"confidence":0.9223633,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32936251163482666},{"word":"i'll","start":166.215,"end":166.535,"confidence":0.8937988,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20944152772426605},{"word":"put","start":166.535,"end":166.855,"confidence":0.4675293,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.15108896791934967},{"word":"roughly","start":166.855,"end":167.255,"confidence":0.97998047,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.1663513481616974},{"word":"$1.30","start":167.255,"end":168.155,"confidence":0.99731445,"punctuated_word":"$1.30.","sentiment":"neutral","sentiment_score":0.14191529154777527},{"word":"asset","start":170.855,"end":171.355,"confidence":0.9526367,"punctuated_word":"Asset","sentiment":"neutral","sentiment_score":0.048720862716436386},{"word":"wise","start":171.415,"end":171.915,"confidence":0.99316406,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.031638458371162415},{"word":"i","start":172.535,"end":172.695,"confidence":0.9394531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04258698970079422},{"word":"have","start":172.695,"end":172.935,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02795841358602047},{"word":"here","start":172.935,"end":173.255,"confidence":0.99316406,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.02666972018778324},{"word":"your","start":173.255,"end":173.755,"confidence":0.95947266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02522735297679901},{"word":"property","start":173.895,"end":174.295,"confidence":0.9980469,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.035625141113996506},{"word":"was","start":174.295,"end":174.455,"confidence":0.9560547,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.032465383410453796},{"word":"last","start":174.455,"end":174.775,"confidence":0.56933594,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.018832705914974213},{"word":"tied","start":174.775,"end":175.015,"confidence":0.2088623,"punctuated_word":"tied","sentiment":"neutral","sentiment_score":0.029264269396662712},{"word":"at","start":175.015,"end":175.255,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03594344109296799},{"word":"about","start":175.255,"end":175.575,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.027272718027234077},{"word":"580,000","start":175.575,"end":177.195,"confidence":0.99560547,"punctuated_word":"580,000.","sentiment":"neutral","sentiment_score":0.039566341787576675},{"word":"is","start":177.735,"end":177.895,"confidence":0.93408203,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.025045303627848625},{"word":"that","start":177.895,"end":178.055,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04728247225284576},{"word":"still","start":178.055,"end":178.375,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.012128598988056185},{"word":"okay","start":178.375,"end":178.875,"confidence":0.9880371,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.02561989799141884},{"word":"yeah","start":179.735,"end":180.235,"confidence":0.8947754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04767247289419174},{"word":"perfect","start":180.47,"end":180.79,"confidence":0.9885254,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.10376977920532228},{"word":"and","start":180.79,"end":181.19,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0326990969479084},{"word":"mortgage","start":181.19,"end":181.69,"confidence":0.98535156,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.0582474060356617},{"word":"about","start":181.75,"end":181.91,"confidence":0.5800781,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03286311775445938},{"word":"$1.80","start":181.91,"end":182.73,"confidence":0.9038086,"punctuated_word":"$1.80?","sentiment":"neutral","sentiment_score":0.04129619523882866},{"word":"yep","start":184.15,"end":184.55,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03078876994550228},{"word":"i","start":184.55,"end":184.70999,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02214290201663971},{"word":"have","start":184.70999,"end":185.03,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02289542369544506},{"word":"three","start":185.03,"end":185.35,"confidence":0.9970703,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02531099319458008},{"word":"motor","start":185.35,"end":185.67,"confidence":0.9892578,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.03798089548945427},{"word":"vehicle","start":185.67,"end":186.17,"confidence":0.9980469,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.032966967672109604},{"word":"combined","start":186.31,"end":186.79,"confidence":0.87353516,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.04202704876661301},{"word":"value","start":186.79,"end":187.11,"confidence":0.9980469,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.04616234079003334},{"word":"at","start":187.11,"end":187.35,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.037887800484895706},{"word":"about","start":187.35,"end":187.67,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03710047900676727},{"word":"$1.20","start":187.67,"end":188.41,"confidence":0.954834,"punctuated_word":"$1.20.","sentiment":"neutral","sentiment_score":0.0377965047955513},{"word":"perfect","start":189.99,"end":190.49,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1742035299539566},{"word":"15","start":190.79,"end":191.27,"confidence":0.99365234,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.07949930429458618},{"word":"owing","start":191.27,"end":191.77,"confidence":0.9248047,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.08327125012874603},{"word":"combined","start":192.31,"end":192.81,"confidence":0.80908203,"punctuated_word":"combined.","sentiment":"neutral","sentiment_score":0.10532493144273758},{"word":"15,000","start":194.915,"end":195.795,"confidence":0.99328613,"punctuated_word":"15,000","sentiment":"neutral","sentiment_score":0.02413223125040531},{"word":"owing","start":195.795,"end":196.295,"confidence":0.9970703,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.020535267889499664},{"word":"combined","start":196.355,"end":196.855,"confidence":0.9980469,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.02998199686408043},{"word":"on","start":196.915,"end":197.155,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.018614482134580612},{"word":"on","start":197.155,"end":197.39499,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.028987150639295575},{"word":"all","start":197.39499,"end":197.715,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06114472448825836},{"word":"three","start":197.715,"end":198.03499,"confidence":0.9836426,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.031527429819107056},{"word":"does","start":198.03499,"end":198.275,"confidence":0.99609375,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.025139473378658295},{"word":"that","start":198.275,"end":198.435,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06021946668624878},{"word":"sound","start":198.435,"end":198.67499,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.02190941944718361},{"word":"about","start":198.67499,"end":198.915,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00227564200758934},{"word":"right","start":198.915,"end":199.415,"confidence":0.97631836,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.0112109137699008},{"word":"mhmm","start":203.155,"end":203.655,"confidence":0.9700928,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03349609300494194},{"word":"about","start":206.19499,"end":206.69499,"confidence":0.6850586,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.015687664970755577},{"word":"25","start":206.95,"end":207.34999,"confidence":0.9733887,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":-0.00002507958561182022},{"word":"perfect","start":207.34999,"end":207.84999,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08509116619825363},{"word":"do","start":208.54999,"end":208.66998,"confidence":0.41333008,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0013873763382434845},{"word":"you","start":208.66998,"end":208.79,"confidence":0.9472656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011347007006406784},{"word":"no","start":211.90999,"end":212.40999,"confidence":0.69262695,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.0802152007818222},{"word":"about","start":213.03,"end":213.43,"confidence":0.54003906,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.04587290808558464},{"word":"20","start":213.43,"end":213.93,"confidence":0.9416504,"punctuated_word":"20?","sentiment":"neutral","sentiment_score":-0.029868926852941513},{"word":"okay","start":213.98999,"end":214.48999,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.013563078828155994},{"word":"and","start":215.43,"end":215.75,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.009769635275006294},{"word":"do","start":215.75,"end":215.90999,"confidence":0.8691406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.012158391997218132},{"word":"you","start":215.90999,"end":215.98999,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009962784126400948},{"word":"still","start":215.98999,"end":216.15,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0058020781725645065},{"word":"have","start":216.15,"end":216.31,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0030229799449443817},{"word":"the","start":216.31,"end":216.46999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0024818144738674164},{"word":"caravan","start":216.46999,"end":216.96999,"confidence":0.8835449,"punctuated_word":"caravan?","sentiment":"neutral","sentiment_score":0.0004819165915250778},{"word":"yep","start":218.54999,"end":219.03,"confidence":0.9848633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009205641224980354},{"word":"still","start":219.03,"end":219.26999,"confidence":0.9667969,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.002466440200805664},{"word":"about","start":219.26999,"end":219.76999,"confidence":0.31103516,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0029385238885879517},{"word":"50","start":219.90999,"end":220.40999,"confidence":0.87158203,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.005637709051370621},{"word":"with","start":220.595,"end":220.835,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.006846599280834198},{"word":"about","start":220.835,"end":221.155,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.007336016744375229},{"word":"28","start":221.155,"end":221.715,"confidence":0.99853516,"punctuated_word":"28","sentiment":"neutral","sentiment_score":0.00029299408197402954},{"word":"owing","start":221.715,"end":222.215,"confidence":0.87353516,"punctuated_word":"owing.","sentiment":"neutral","sentiment_score":-0.0036421511322259903},{"word":"yep","start":224.035,"end":224.535,"confidence":0.86572266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0007335531408898532},{"word":"about","start":226.675,"end":226.995,"confidence":0.95166016,"punctuated_word":"About","sentiment":"neutral","sentiment_score":0.011239917948842049},{"word":"25","start":226.995,"end":227.875,"confidence":0.99572754,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":0.0297177042812109},{"word":"great","start":227.875,"end":228.375,"confidence":0.8510742,"punctuated_word":"Great.","sentiment":"neutral","sentiment_score":0.1883803904056549},{"word":"yep","start":229.955,"end":230.455,"confidence":0.9289551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05478478595614433},{"word":"and","start":230.515,"end":230.675,"confidence":0.9658203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.055062830448150635},{"word":"then","start":230.675,"end":230.995,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07073760777711868},{"word":"about","start":230.995,"end":231.395,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.059360526502132416},{"word":"2,000","start":231.395,"end":232.215,"confidence":0.9980469,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.0679922103881836},{"word":"in","start":232.275,"end":232.515,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06735502183437347},{"word":"zippay","start":232.515,"end":233.015,"confidence":0.6286621,"punctuated_word":"ZipPay.","sentiment":"neutral","sentiment_score":0.0777372345328331},{"word":"yep","start":235.43999,"end":235.76,"confidence":0.86938477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08667202293872833},{"word":"perfect","start":235.76,"end":236.15999,"confidence":0.9921875,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1721673607826233},{"word":"any","start":236.15999,"end":236.48,"confidence":0.99902344,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.09885244816541672},{"word":"other","start":236.48,"end":236.71999,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09950046241283415},{"word":"assets","start":236.71999,"end":237.2,"confidence":0.9746094,"punctuated_word":"assets?","sentiment":"neutral","sentiment_score":0.08374636620283127},{"word":"anything","start":237.2,"end":237.51999,"confidence":1.0,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.07852192223072052},{"word":"else","start":237.51999,"end":237.76,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.06549033522605896},{"word":"that's","start":237.76,"end":238.07999,"confidence":0.99121094,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.029740188270807263},{"word":"changed","start":238.07999,"end":238.4,"confidence":1.0,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.034613266587257385},{"word":"for","start":238.4,"end":238.64,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.036010537296533585},{"word":"you","start":238.64,"end":239.14,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.030556993559002876},{"word":"no","start":240.71999,"end":241.2,"confidence":0.8100586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19455736875534055},{"word":"not","start":241.2,"end":241.59999,"confidence":0.79541016,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.29748427867889404},{"word":"easy","start":241.59999,"end":242.09999,"confidence":0.9970703,"punctuated_word":"easy.","sentiment":"neutral","sentiment_score":-0.18848514556884768},{"word":"now","start":242.48,"end":242.98,"confidence":0.98291016,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.07297385483980179},{"word":"health","start":243.68,"end":243.92,"confidence":0.73046875,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.028406556695699692},{"word":"and","start":243.92,"end":244.15999,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05224280431866646},{"word":"lifestyle","start":244.15999,"end":244.65999,"confidence":0.99902344,"punctuated_word":"lifestyle","sentiment":"neutral","sentiment_score":-0.0388055257499218},{"word":"wise","start":244.79999,"end":245.2,"confidence":0.9946289,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.030886827036738396},{"word":"has","start":245.2,"end":245.43999,"confidence":0.98291016,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03901234641671181},{"word":"any","start":245.43999,"end":245.925,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.026422979310154915},{"word":"have","start":246.405,"end":246.485,"confidence":0.9614258,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0411638617515564},{"word":"you","start":246.485,"end":246.645,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04764945060014725},{"word":"had","start":246.645,"end":246.80501,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.057168178260326385},{"word":"any","start":246.80501,"end":247.125,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05470249056816101},{"word":"changes","start":247.125,"end":247.605,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.06535744667053223},{"word":"to","start":247.605,"end":247.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06084134429693222},{"word":"your","start":247.765,"end":247.925,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.060855843126773834},{"word":"health","start":247.925,"end":248.425,"confidence":0.9892578,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.07082416117191315},{"word":"or","start":248.485,"end":248.88501,"confidence":0.84765625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06772096455097198},{"word":"injuries","start":248.88501,"end":249.38501,"confidence":0.9980469,"punctuated_word":"injuries","sentiment":"neutral","sentiment_score":-0.06197769194841385},{"word":"or","start":249.52501,"end":250.02501,"confidence":0.9790039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05146787688136101},{"word":"issues","start":250.16501,"end":250.565,"confidence":0.99902344,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.0626409500837326},{"word":"or","start":250.565,"end":250.725,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03798487409949303},{"word":"anything","start":250.725,"end":251.045,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.04409999027848244},{"word":"in","start":251.045,"end":251.205,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06555119156837463},{"word":"the","start":251.205,"end":251.285,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04500807449221611},{"word":"last","start":251.285,"end":251.605,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0557970255613327},{"word":"twelve","start":251.605,"end":251.845,"confidence":0.9980469,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.07955309748649597},{"word":"months","start":251.845,"end":252.345,"confidence":0.9951172,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":-0.028462639078497887},{"word":"batteries","start":256.165,"end":256.665,"confidence":0.9855957,"punctuated_word":"Batteries?","sentiment":"neutral","sentiment_score":0.022421445697546005},{"word":"ah","start":260.405,"end":260.645,"confidence":0.6960449,"punctuated_word":"Ah,","sentiment":"neutral","sentiment_score":0.12180602550506592},{"word":"yes","start":260.645,"end":260.885,"confidence":0.98706055,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.11033129692077635},{"word":"yes","start":260.885,"end":261.125,"confidence":0.9914551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10265742987394331},{"word":"yes","start":261.125,"end":261.57,"confidence":0.9848633,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11863313615322112},{"word":"perfect","start":263.41,"end":263.91,"confidence":0.9321289,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4682850241661072},{"word":"yes","start":265.25,"end":265.75,"confidence":0.9699707,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10688769072294237},{"word":"and","start":267.33002,"end":267.83002,"confidence":0.8125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0655134841799736},{"word":"how","start":268.21002,"end":268.45,"confidence":0.8154297,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05499481409788132},{"word":"much","start":268.45,"end":268.77002,"confidence":0.9921875,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.060556307435035706},{"word":"are","start":268.77002,"end":268.93,"confidence":0.97802734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05910925939679146},{"word":"they","start":268.93,"end":269.17,"confidence":0.99316406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08945886045694351},{"word":"worth","start":269.17,"end":269.67,"confidence":0.94433594,"punctuated_word":"worth?","sentiment":"neutral","sentiment_score":0.058834247291088104},{"word":"did","start":269.73,"end":269.89,"confidence":0.86279297,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.030818182975053787},{"word":"you","start":269.89,"end":270.05002,"confidence":0.8925781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028079042211174965},{"word":"know","start":270.05002,"end":270.55002,"confidence":0.9523926,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.04157768189907074},{"word":"okay","start":275.65,"end":276.15,"confidence":0.9592285,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.200190931558609},{"word":"perfect","start":276.21002,"end":276.71002,"confidence":0.90649414,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.472301721572876},{"word":"and","start":277.85498,"end":278.09497,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10322627425193788},{"word":"did","start":278.09497,"end":278.335,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07402597367763519},{"word":"you","start":278.335,"end":278.57498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11777631938457488},{"word":"take","start":278.57498,"end":278.895,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.21184033155441284},{"word":"a","start":278.895,"end":279.13498,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2169152796268463},{"word":"a","start":279.13498,"end":279.215,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10469574481248856},{"word":"loan","start":279.215,"end":279.53497,"confidence":0.9970703,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.11200161278247832},{"word":"or","start":279.53497,"end":279.69498,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09497392922639848},{"word":"anything","start":279.69498,"end":280.01498,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12442068755626678},{"word":"for","start":280.01498,"end":280.175,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08429396897554398},{"word":"them","start":280.175,"end":280.41498,"confidence":0.91674805,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.10323181748390198},{"word":"or","start":280.41498,"end":280.57498,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0441211462020874},{"word":"did","start":280.57498,"end":280.735,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06539998948574066},{"word":"you","start":280.735,"end":280.895,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11045702546834946},{"word":"guys","start":280.895,"end":281.055,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0411478690803051},{"word":"pay","start":281.055,"end":281.215,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.058867745101451874},{"word":"them","start":281.215,"end":281.715,"confidence":0.70043945,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":0.056238360702991486},{"word":"yeah","start":282.175,"end":282.675,"confidence":0.7910156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10807473957538603},{"word":"okay","start":286.25497,"end":286.75497,"confidence":0.89453125,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1357036530971527},{"word":"yep","start":288.175,"end":288.675,"confidence":0.7783203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07131852209568024},{"word":"no","start":290.25497,"end":290.495,"confidence":0.9880371,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06325613707304001},{"word":"that's","start":290.495,"end":290.82,"confidence":0.75927734,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1785486340522766},{"word":"all","start":290.98,"end":291.30002,"confidence":0.9892578,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2338798940181732},{"word":"good","start":291.30002,"end":291.80002,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.08668141067028046},{"word":"and","start":292.74002,"end":293.14,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07620712369680405},{"word":"when","start":293.14,"end":293.38,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1147766038775444},{"word":"it","start":293.38,"end":293.54,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12365244328975676},{"word":"comes","start":293.54,"end":293.78,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.0917469933629036},{"word":"to","start":293.78,"end":294.02002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08977028727531433},{"word":"estate","start":294.02002,"end":294.42,"confidence":0.96435547,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.0747871920466423},{"word":"planning","start":294.42,"end":294.9,"confidence":1.0,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.06106715649366379},{"word":"do","start":294.9,"end":295.06,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.009607307612895966},{"word":"you","start":295.06,"end":295.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037579361349344254},{"word":"have","start":295.14,"end":295.30002,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.025234177708625793},{"word":"a","start":295.30002,"end":295.46002,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01724874973297119},{"word":"will","start":295.46002,"end":295.7,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.016207806766033173},{"word":"or","start":295.7,"end":295.86002,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.005018413066864014},{"word":"power","start":295.86002,"end":296.18,"confidence":0.9873047,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.02433178946375847},{"word":"of","start":296.18,"end":296.26,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03960326686501503},{"word":"attorney","start":296.26,"end":296.66,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.014331724494695663},{"word":"or","start":296.66,"end":296.82,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0268145315349102},{"word":"anything","start":296.82,"end":297.06,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.02950185537338257},{"word":"like","start":297.06,"end":297.30002,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.003619648516178131},{"word":"that","start":297.30002,"end":297.46002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022629432380199432},{"word":"in","start":297.46002,"end":297.54,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0024526752531528473},{"word":"place","start":297.54,"end":297.86002,"confidence":0.9995117,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.009580953046679497},{"word":"richard","start":297.86002,"end":298.36002,"confidence":1.0,"punctuated_word":"Richard?","sentiment":"neutral","sentiment_score":0.0353207141160965},{"word":"nope","start":300.5,"end":301.0,"confidence":0.85913086,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.08370782434940338},{"word":"that's","start":302.74002,"end":303.14,"confidence":0.9904785,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4305437505245209},{"word":"all","start":303.14,"end":303.46002,"confidence":0.9970703,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4845833778381348},{"word":"good","start":303.46002,"end":303.96002,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3471967577934265},{"word":"and","start":304.635,"end":305.135,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3145095109939575},{"word":"i","start":305.275,"end":305.51498,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3760926127433777},{"word":"can","start":305.51498,"end":305.835,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3773356080055237},{"word":"see","start":305.835,"end":306.075,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4308386445045471},{"word":"here","start":306.075,"end":306.395,"confidence":0.7963867,"punctuated_word":"here,","sentiment":"positive","sentiment_score":0.4458270072937012},{"word":"sir","start":306.395,"end":306.795,"confidence":0.8354492,"punctuated_word":"sir,","sentiment":"positive","sentiment_score":0.47190892696380615},{"word":"for","start":306.795,"end":307.035,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4484066367149353},{"word":"your","start":307.035,"end":307.535,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4141119718551636},{"word":"superannuation","start":307.595,"end":308.095,"confidence":0.9844971,"punctuated_word":"superannuation,","sentiment":"positive","sentiment_score":0.39584028720855713},{"word":"in","start":309.51498,"end":309.675,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3996936082839966},{"word":"the","start":309.675,"end":309.835,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40804699063301086},{"word":"event","start":309.835,"end":310.155,"confidence":0.99902344,"punctuated_word":"event","sentiment":"positive","sentiment_score":0.4218273162841797},{"word":"that","start":310.155,"end":310.235,"confidence":0.9941406,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3795100152492523},{"word":"something","start":310.235,"end":310.635,"confidence":0.9970703,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.42749276757240295},{"word":"woulda","start":310.635,"end":310.955,"confidence":0.5977783,"punctuated_word":"woulda","sentiment":"positive","sentiment_score":0.40485680103302},{"word":"happened","start":310.955,"end":311.275,"confidence":0.9277344,"punctuated_word":"happened","sentiment":"positive","sentiment_score":0.38477176427841187},{"word":"to","start":311.275,"end":311.51498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34809184074401855},{"word":"you","start":311.51498,"end":311.755,"confidence":0.96240234,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.3772181570529938},{"word":"that","start":311.755,"end":312.075,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4394804537296295},{"word":"that","start":312.075,"end":312.315,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4142853021621704},{"word":"goes","start":312.315,"end":312.635,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.36638402938842773},{"word":"a","start":312.635,"end":312.79498,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37362104654312134},{"word":"100%","start":312.79498,"end":313.435,"confidence":0.9995117,"punctuated_word":"100%","sentiment":"positive","sentiment_score":0.3558028042316437},{"word":"to","start":313.435,"end":313.595,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34627556800842285},{"word":"your","start":313.595,"end":313.915,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3425670862197876},{"word":"wife","start":313.915,"end":314.315,"confidence":0.9753418,"punctuated_word":"wife.","sentiment":"neutral","sentiment_score":0.2737976014614105},{"word":"that's","start":314.315,"end":314.635,"confidence":0.9165039,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30222123861312866},{"word":"still","start":314.635,"end":314.875,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21807606518268585},{"word":"correct","start":314.875,"end":315.195,"confidence":0.9970703,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.25390514731407166},{"word":"for","start":315.195,"end":315.355,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1907300353050232},{"word":"you","start":315.355,"end":315.51498,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16602714359760284},{"word":"as","start":315.51498,"end":315.755,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2059706300497055},{"word":"well","start":315.755,"end":315.915,"confidence":0.8701172,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.14482548832893372},{"word":"yep","start":315.915,"end":316.235,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16074514389038086},{"word":"beautiful","start":316.235,"end":316.735,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3673557937145233},{"word":"now","start":317.51498,"end":317.755,"confidence":0.99121094,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03137977421283722},{"word":"i","start":317.755,"end":317.835,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0009582936763763428},{"word":"can","start":317.835,"end":318.155,"confidence":0.9819336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.009752195328474045},{"word":"see","start":318.155,"end":318.315,"confidence":0.9667969,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0024739019572734833},{"word":"here","start":318.315,"end":318.555,"confidence":0.9863281,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.011176344007253649},{"word":"that","start":318.555,"end":318.715,"confidence":0.96777344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02444543689489365},{"word":"we","start":318.715,"end":318.875,"confidence":0.9658203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.046393852680921555},{"word":"don't","start":318.875,"end":319.35,"confidence":0.9692383,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03669971227645874},{"word":"yes","start":333.03,"end":333.04144,"confidence":0.8112793,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.014674541540443896},{"word":"i","start":333.04144,"end":333.05286,"confidence":0.76416016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03091629222035408},{"word":"think","start":333.05286,"end":333.0643,"confidence":0.79052734,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02139194868505001},{"word":"it","start":333.0643,"end":333.0757,"confidence":0.92333984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02245406247675419},{"word":"was","start":333.0757,"end":333.08716,"confidence":0.96435547,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02563382498919964},{"word":"a","start":333.08716,"end":333.09857,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02800169587135315},{"word":"little","start":333.09857,"end":333.11002,"confidence":0.9770508,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.03299461305141449},{"word":"while","start":333.11002,"end":333.19,"confidence":0.9819336,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.01795339211821556},{"word":"ago","start":333.19,"end":333.495,"confidence":0.97998047,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.02290401980280876},{"word":"yes","start":334.455,"end":334.615,"confidence":0.9182129,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0002453438937664032},{"word":"i","start":334.615,"end":334.775,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.018326453864574432},{"word":"think","start":334.775,"end":335.01498,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0035616345703601837},{"word":"it","start":335.01498,"end":335.095,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.012233253568410872},{"word":"was","start":335.095,"end":335.255,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.013273529708385468},{"word":"a","start":335.255,"end":335.335,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015615093521773815},{"word":"little","start":335.335,"end":335.495,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02635250799357891},{"word":"while","start":335.495,"end":335.815,"confidence":0.9921875,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.02214654721319675},{"word":"ago","start":335.815,"end":336.315,"confidence":0.9975586,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.016554538160562515},{"word":"yep","start":344.85498,"end":345.35498,"confidence":0.97802734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03249078989028931},{"word":"okay","start":347.495,"end":347.995,"confidence":0.97802734,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.027872547507286072},{"word":"yeah","start":348.375,"end":348.875,"confidence":0.92407227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00589858740568161},{"word":"no","start":348.935,"end":349.41,"confidence":0.98706055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02892139367759228},{"word":"that's","start":349.49,"end":349.73,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03142664581537247},{"word":"okay","start":349.73,"end":350.23,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.022424444556236267},{"word":"what","start":351.25,"end":351.49,"confidence":0.84228516,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.06291086226701736},{"word":"i","start":351.49,"end":351.65,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07720133662223816},{"word":"can","start":351.65,"end":351.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08076383173465729},{"word":"do","start":351.97,"end":352.37,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08545684814453125},{"word":"is","start":352.37,"end":352.69,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06923330575227737},{"word":"i","start":352.69,"end":352.93,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09957820177078248},{"word":"can","start":352.93,"end":353.43,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08675728738307953},{"word":"get","start":353.57,"end":353.81,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06526568531990051},{"word":"the","start":353.81,"end":353.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06884577870368958},{"word":"team","start":353.89,"end":354.13,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.061586350202560425},{"word":"to","start":354.13,"end":354.29,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09546634554862976},{"word":"resend","start":354.29,"end":354.69,"confidence":1.0,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":0.052240028977394104},{"word":"them","start":354.69,"end":354.93,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.08985230326652527},{"word":"to","start":354.93,"end":355.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11858446151018144},{"word":"you","start":355.17,"end":355.67,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07215055823326111},{"word":"do","start":355.89,"end":356.13,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0638764351606369},{"word":"you","start":356.13,"end":356.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033308252692222595},{"word":"have","start":356.69,"end":357.19,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03482229262590408},{"word":"sure","start":357.73,"end":358.13,"confidence":0.951416,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.038030922412872314},{"word":"do","start":358.13,"end":358.29,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.014618318527936935},{"word":"you","start":358.29,"end":358.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018222296610474583},{"word":"have","start":358.45,"end":358.69,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018020043149590492},{"word":"access","start":358.69,"end":359.01,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.014839474111795424},{"word":"to","start":359.01,"end":359.09,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021000642329454425},{"word":"a","start":359.09,"end":359.25,"confidence":0.9350586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010893592610955238},{"word":"printer","start":359.25,"end":359.57,"confidence":0.8642578,"punctuated_word":"printer,","sentiment":"neutral","sentiment_score":0.0017300685867667198},{"word":"or","start":359.57,"end":359.73,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00647379644215107},{"word":"do","start":359.73,"end":359.81,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.005583988502621651},{"word":"you","start":359.81,"end":359.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016262821853160858},{"word":"prefer","start":359.97,"end":360.45,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.009104065597057344},{"word":"post","start":360.45,"end":360.95,"confidence":0.9765625,"punctuated_word":"post?","sentiment":"neutral","sentiment_score":0.008718505501747131},{"word":"yep","start":361.81,"end":362.29,"confidence":0.8781738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00024581048637628555},{"word":"printer","start":362.29,"end":362.79,"confidence":0.9788411,"punctuated_word":"Printer.","sentiment":"neutral","sentiment_score":-0.03715609014034271},{"word":"alright","start":362.97498,"end":363.055,"confidence":0.9692383,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.03535328805446625},{"word":"so","start":363.055,"end":363.29498,"confidence":0.49804688,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.002099238336086273},{"word":"i'll","start":363.29498,"end":363.57498,"confidence":0.92871094,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.031132224947214127},{"word":"get","start":363.57498,"end":363.85498,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02266767807304859},{"word":"yeah","start":364.175,"end":364.57498,"confidence":0.81640625,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1184992492198944},{"word":"perfect","start":364.57498,"end":365.07498,"confidence":0.9375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.376181423664093},{"word":"yeah","start":366.735,"end":367.13498,"confidence":0.95581055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11167462170124054},{"word":"alright","start":367.13498,"end":367.375,"confidence":0.99902344,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1367325484752655},{"word":"i'll","start":367.375,"end":367.615,"confidence":0.98291016,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1440437138080597},{"word":"just","start":367.615,"end":367.85498,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.164787158370018},{"word":"get","start":367.85498,"end":368.095,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15114691853523254},{"word":"them","start":368.095,"end":368.25497,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.18709537386894223},{"word":"to","start":368.25497,"end":368.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17096158862113953},{"word":"email","start":368.495,"end":368.815,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1579129993915558},{"word":"that","start":368.815,"end":368.97498,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1493649780750275},{"word":"to","start":368.97498,"end":369.13498,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15736500918865204},{"word":"you","start":369.13498,"end":369.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17348742485046387},{"word":"again","start":369.375,"end":369.875,"confidence":0.9995117,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.013737202621996404},{"word":"do","start":371.455,"end":371.615,"confidence":0.8984375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.008791068568825722},{"word":"you","start":371.615,"end":371.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013711714185774326},{"word":"have","start":371.775,"end":372.01498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.010963579639792442},{"word":"any","start":372.01498,"end":372.25497,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.011450039222836494},{"word":"questions","start":372.25497,"end":372.75497,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.010778618045151234},{"word":"at","start":373.055,"end":373.13498,"confidence":0.7915039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.007369464263319969},{"word":"like","start":373.29498,"end":373.53497,"confidence":0.9785156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.003827642649412155},{"word":"on","start":373.53497,"end":373.69498,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.006496470421552658},{"word":"top","start":373.69498,"end":373.935,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.008593712002038956},{"word":"of","start":373.935,"end":374.01498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007247442379593849},{"word":"your","start":374.01498,"end":374.25497,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0036892350763082504},{"word":"head","start":374.25497,"end":374.495,"confidence":0.99902344,"punctuated_word":"head","sentiment":"neutral","sentiment_score":0.004560647532343864},{"word":"in","start":374.495,"end":374.655,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003956565633416176},{"word":"regards","start":374.655,"end":374.97,"confidence":0.96533203,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.007229175418615341},{"word":"to","start":374.97,"end":375.21,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01196655072271824},{"word":"those","start":375.21,"end":375.37,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.006916586309671402},{"word":"forms","start":375.37,"end":375.77,"confidence":0.87646484,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":0.0019181668758392336},{"word":"or","start":375.77,"end":375.93,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0011797305196523666},{"word":"was","start":375.93,"end":376.17,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.000965433195233345},{"word":"it","start":376.17,"end":376.25,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.011573608964681624},{"word":"just","start":376.25,"end":376.49,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0015905816107988358},{"word":"a","start":376.49,"end":376.65,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0027879420667886734},{"word":"matter","start":376.65,"end":376.89,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.00964810885488987},{"word":"of","start":376.89,"end":377.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0069926343858242035},{"word":"kind","start":377.05,"end":377.21,"confidence":0.97802734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.002101752907037735},{"word":"of","start":377.21,"end":377.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012864943593740463},{"word":"reading","start":377.29,"end":377.61002,"confidence":0.9970703,"punctuated_word":"reading","sentiment":"neutral","sentiment_score":-0.00574248842895031},{"word":"through","start":377.61002,"end":377.85,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0033197253942489624},{"word":"them","start":377.85,"end":378.09,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.006295999512076378},{"word":"and","start":378.09,"end":378.41,"confidence":0.80615234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0005059987306594849},{"word":"yep","start":381.69,"end":382.19,"confidence":0.81762695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005280144512653351},{"word":"yeah","start":384.49,"end":384.99,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012171782553195952},{"word":"oh","start":388.33,"end":388.635,"confidence":0.89208984,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06524413824081421},{"word":"perfect","start":388.715,"end":389.215,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":-0.05411123111844063},{"word":"how's","start":391.195,"end":391.435,"confidence":0.5631714,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.006271295249462128},{"word":"it","start":391.435,"end":391.595,"confidence":0.8378906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0091923326253891},{"word":"been","start":391.595,"end":392.095,"confidence":0.5078125,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.01684786006808281},{"word":"yep","start":392.475,"end":392.95502,"confidence":0.7453613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04240366071462631},{"word":"okay","start":392.95502,"end":393.27502,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10431060194969176},{"word":"perfect","start":393.27502,"end":393.77502,"confidence":0.80566406,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.34975117444992065},{"word":"if","start":395.595,"end":395.915,"confidence":0.7944336,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09898041188716888},{"word":"you","start":395.915,"end":396.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08164052665233612},{"word":"do","start":396.075,"end":396.315,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05771015211939812},{"word":"have","start":396.315,"end":396.815,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06593980640172958},{"word":"yeah","start":398.39502,"end":398.875,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07431399822235107},{"word":"and","start":398.875,"end":399.11502,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06918592751026154},{"word":"if","start":399.11502,"end":399.27502,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08167663216590881},{"word":"you","start":399.27502,"end":399.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07840941101312637},{"word":"do","start":399.435,"end":399.67502,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08998828381299973},{"word":"have","start":399.67502,"end":399.83502,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09335500746965408},{"word":"any","start":399.83502,"end":400.075,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0728617012500763},{"word":"questions","start":400.075,"end":400.575,"confidence":0.9951172,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07222262024879456},{"word":"or","start":400.715,"end":400.95502,"confidence":0.87353516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.061391327530145645},{"word":"she","start":400.95502,"end":401.195,"confidence":0.9951172,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.07685226202011108},{"word":"has","start":401.195,"end":401.355,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07967956364154816},{"word":"any","start":401.355,"end":401.595,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0739363431930542},{"word":"questions","start":401.595,"end":402.095,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07090757042169571},{"word":"in","start":402.99002,"end":403.15002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04773901030421257},{"word":"regards","start":403.15002,"end":403.65002,"confidence":1.0,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05066649615764618},{"word":"to","start":403.71002,"end":403.87,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04630112648010254},{"word":"it","start":403.87,"end":404.11002,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05241648107767105},{"word":"or","start":404.11002,"end":404.35,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06158197671175003},{"word":"want","start":404.35,"end":404.59,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0628904178738594},{"word":"me","start":404.59,"end":404.75,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07919155806303024},{"word":"to","start":404.75,"end":404.99002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07911056280136108},{"word":"explain","start":404.99002,"end":405.49002,"confidence":1.0,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.05266563966870308},{"word":"it","start":405.55002,"end":405.63,"confidence":0.51123047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07574202120304108},{"word":"further","start":405.63,"end":406.13,"confidence":0.99560547,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.08898429572582245},{"word":"just","start":406.51,"end":406.75,"confidence":0.8154297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12223781645298004},{"word":"just","start":406.75,"end":406.99002,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11290180683135986},{"word":"let","start":406.99002,"end":407.15002,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09137813746929167},{"word":"me","start":407.15002,"end":407.31,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07035060226917267},{"word":"know","start":407.31,"end":407.55002,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.06894983351230621},{"word":"okay","start":407.55002,"end":408.05002,"confidence":1.0,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06649397313594818},{"word":"yeah","start":409.47,"end":409.87,"confidence":0.8171387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1712454855442047},{"word":"alright","start":409.87,"end":410.19,"confidence":1.0,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3648293912410736},{"word":"beautiful","start":410.19,"end":410.69,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5827916860580444},{"word":"now","start":411.95,"end":412.35,"confidence":0.8273926,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.22346647083759308},{"word":"otherwise","start":412.35,"end":412.85,"confidence":1.0,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.10737359523773192},{"word":"i","start":412.91,"end":413.07,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12156867980957033},{"word":"guess","start":413.07,"end":413.57,"confidence":0.9716797,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.07959915697574615},{"word":"goal","start":413.71002,"end":414.19,"confidence":0.60302734,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.08010195195674896},{"word":"stuff","start":414.19,"end":414.43002,"confidence":0.96533203,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.119463250041008},{"word":"that","start":414.43002,"end":414.59,"confidence":0.92089844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07362440228462219},{"word":"you","start":414.59,"end":414.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10602259635925292},{"word":"are","start":414.91,"end":415.07,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09925837814807892},{"word":"working","start":415.07,"end":415.57,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.12512442469596863},{"word":"towards","start":415.915,"end":416.415,"confidence":0.75097656,"punctuated_word":"towards,","sentiment":"neutral","sentiment_score":0.11324481666088104},{"word":"i","start":417.915,"end":418.155,"confidence":0.7792969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08767383545637131},{"word":"can","start":418.155,"end":418.315,"confidence":0.99316406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09648917615413666},{"word":"see","start":418.315,"end":418.475,"confidence":0.4621582,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09548456966876984},{"word":"here","start":418.475,"end":418.715,"confidence":0.7402344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.07781778275966644},{"word":"that","start":418.715,"end":418.795,"confidence":0.86865234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06229867041110992},{"word":"last","start":418.795,"end":418.95502,"confidence":0.98535156,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.035308804363012314},{"word":"time","start":418.95502,"end":419.195,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.032168712466955185},{"word":"we","start":419.195,"end":419.355,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03865430131554603},{"word":"spoke","start":419.355,"end":419.515,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.06403013318777084},{"word":"to","start":419.515,"end":419.67502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07096939533948898},{"word":"you","start":419.67502,"end":419.835,"confidence":0.98168945,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06852875649929047},{"word":"your","start":419.835,"end":419.995,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.054439790546894073},{"word":"main","start":419.995,"end":420.495,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.09793269634246826},{"word":"focus","start":420.95502,"end":421.115,"confidence":0.44604492,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.04742053151130676},{"word":"was","start":421.115,"end":421.595,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.09324070066213608},{"word":"to","start":421.595,"end":421.755,"confidence":0.76416016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1014007106423378},{"word":"pretty","start":421.755,"end":421.995,"confidence":0.98828125,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.15804779529571533},{"word":"much","start":421.995,"end":422.23502,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.13549508154392242},{"word":"take","start":422.23502,"end":422.475,"confidence":0.9970703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2616187334060669},{"word":"things","start":422.475,"end":422.875,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2110402435064316},{"word":"pretty","start":422.875,"end":423.035,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2873704433441162},{"word":"easy","start":423.035,"end":423.535,"confidence":0.8105469,"punctuated_word":"easy,","sentiment":"neutral","sentiment_score":0.17468507587909698},{"word":"maybe","start":423.995,"end":424.39502,"confidence":1.0,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12019894272089005},{"word":"have","start":424.39502,"end":424.515,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13925668597221377},{"word":"a","start":424.515,"end":424.635,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12566426396369934},{"word":"look","start":424.635,"end":424.875,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11781544983386992},{"word":"at","start":424.875,"end":425.035,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08914895355701447},{"word":"moving","start":425.035,"end":425.355,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.10131924599409103},{"word":"to","start":425.355,"end":425.515,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08501796424388885},{"word":"another","start":425.515,"end":426.015,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08501866459846497},{"word":"property","start":426.555,"end":427.055,"confidence":0.8815918,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.07370968163013458},{"word":"otherwise","start":428.155,"end":428.655,"confidence":0.98657227,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.014220602810382845},{"word":"just","start":428.715,"end":428.95502,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.003761954605579376},{"word":"kinda","start":428.95502,"end":429.275,"confidence":0.66064453,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.012906339019536972},{"word":"focusing","start":429.275,"end":429.755,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":-0.004684336483478546},{"word":"on","start":429.755,"end":430.255,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03046240657567978},{"word":"reducing","start":430.475,"end":430.95502,"confidence":0.9902344,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.027192216366529465},{"word":"the","start":430.95502,"end":431.115,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04535195231437683},{"word":"mortgage","start":431.115,"end":431.46,"confidence":0.9951172,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.11209902167320251},{"word":"as","start":431.53998,"end":431.69998,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.013185463845729828},{"word":"much","start":431.69998,"end":431.86,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.00973263382911682},{"word":"as","start":431.86,"end":431.94,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02696230262517929},{"word":"possible","start":431.94,"end":432.44,"confidence":0.99902344,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.04629286378622055},{"word":"is","start":432.5,"end":432.66,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02105585485696793},{"word":"that","start":432.66,"end":432.9,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03412758186459541},{"word":"still","start":432.9,"end":433.13998,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02330390363931656},{"word":"kind","start":433.13998,"end":433.3,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04750467836856842},{"word":"of","start":433.3,"end":433.46,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.058481365442276},{"word":"the","start":433.46,"end":433.62,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05316740646958351},{"word":"main","start":433.62,"end":433.86,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.07812447845935822},{"word":"priority","start":433.86,"end":434.34,"confidence":1.0,"punctuated_word":"priority","sentiment":"neutral","sentiment_score":0.046417683362960815},{"word":"for","start":434.34,"end":434.5,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.055379342287778854},{"word":"you","start":434.5,"end":435.0,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.04248025640845299},{"word":"yep","start":441.13998,"end":441.63998,"confidence":0.9765625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031703438609838486},{"word":"perfect","start":442.97998,"end":443.47998,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.38128527998924255},{"word":"alright","start":443.62,"end":444.09998,"confidence":1.0,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2951739430427551},{"word":"good","start":444.09998,"end":444.59998,"confidence":0.9980469,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.33735835552215576},{"word":"and","start":445.23502,"end":445.73502,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09551183134317398},{"word":"when","start":445.795,"end":446.035,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0797964334487915},{"word":"it","start":446.035,"end":446.195,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08682446926832199},{"word":"comes","start":446.195,"end":446.67502,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09332866966724396},{"word":"to","start":446.67502,"end":446.995,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09935374557971954},{"word":"your","start":446.995,"end":447.495,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09052509069442748},{"word":"superannuation","start":447.635,"end":448.135,"confidence":0.9977214,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.1080581545829773},{"word":"and","start":448.595,"end":448.83502,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08447971194982529},{"word":"how","start":448.83502,"end":449.075,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12327510118484496},{"word":"your","start":449.075,"end":449.23502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1080382913351059},{"word":"money","start":449.23502,"end":449.475,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.13164430856704712},{"word":"is","start":449.475,"end":449.95502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11035563796758652},{"word":"invested","start":449.95502,"end":450.45502,"confidence":0.97631836,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.08188517391681671},{"word":"i'll","start":452.035,"end":452.195,"confidence":0.8469238,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0783933699131012},{"word":"do","start":452.195,"end":452.435,"confidence":0.984375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07967491447925568},{"word":"quickly","start":452.435,"end":452.83502,"confidence":0.97998047,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1101309210062027},{"word":"go","start":452.83502,"end":452.995,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06995344907045364},{"word":"through","start":452.995,"end":453.315,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0748712494969368},{"word":"just","start":453.315,"end":453.555,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06877216696739197},{"word":"a","start":453.555,"end":453.635,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06406600773334503},{"word":"couple","start":453.635,"end":453.95502,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05243748053908348},{"word":"of","start":453.95502,"end":454.11502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05327426642179489},{"word":"multiple","start":454.11502,"end":454.595,"confidence":0.99902344,"punctuated_word":"multiple","sentiment":"neutral","sentiment_score":0.03597484529018402},{"word":"choice","start":454.595,"end":454.915,"confidence":1.0,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.04849925264716149},{"word":"questions","start":454.915,"end":455.415,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05980043485760689},{"word":"just","start":455.555,"end":455.715,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06949568539857864},{"word":"to","start":455.715,"end":455.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05079428106546402},{"word":"see","start":455.875,"end":456.035,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05174529552459717},{"word":"if","start":456.035,"end":456.195,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04868387430906296},{"word":"anything","start":456.195,"end":456.515,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04461551457643509},{"word":"has","start":456.515,"end":456.83502,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0099162757396698},{"word":"changed","start":456.83502,"end":457.23502,"confidence":0.9980469,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.001965530216693878},{"word":"with","start":457.23502,"end":457.315,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00658799335360527},{"word":"your","start":457.315,"end":457.555,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01114395633339882},{"word":"risk","start":457.555,"end":457.875,"confidence":0.9941406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.002329319715499878},{"word":"tolerance","start":457.875,"end":458.375,"confidence":0.99316406,"punctuated_word":"tolerance","sentiment":"neutral","sentiment_score":-0.008605770766735077},{"word":"in","start":458.995,"end":459.155,"confidence":0.97509766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018097009509801865},{"word":"regards","start":459.155,"end":459.655,"confidence":0.99121094,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.022055841982364655},{"word":"to","start":459.715,"end":460.035,"confidence":0.67041016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0349789597094059},{"word":"fluctuations","start":460.035,"end":460.535,"confidence":0.89501953,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.030829358845949173},{"word":"and","start":461.00998,"end":461.25,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02512247860431671},{"word":"how","start":461.25,"end":461.37,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.032915979623794556},{"word":"you","start":461.37,"end":461.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022479619830846783},{"word":"feel","start":461.49,"end":461.81,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.006047185510396957},{"word":"about","start":461.81,"end":462.12997,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01065291464328766},{"word":"market","start":462.12997,"end":462.61,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.017681971192359924},{"word":"movements","start":462.61,"end":463.11,"confidence":0.80444336,"punctuated_word":"movements.","sentiment":"neutral","sentiment_score":0.0023070592433214188},{"word":"now","start":464.44998,"end":464.94998,"confidence":0.69873047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.005458584055304527},{"word":"at","start":465.00998,"end":465.25,"confidence":0.9550781,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.001038089394569397},{"word":"the","start":465.25,"end":465.49,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0031281542032957077},{"word":"moment","start":465.49,"end":465.99,"confidence":0.99853516,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.0023363251239061356},{"word":"are","start":466.05,"end":466.28998,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.010763539001345634},{"word":"you","start":466.28998,"end":466.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006142456084489822},{"word":"planning","start":466.53,"end":467.00998,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.010704370215535164},{"word":"on","start":467.00998,"end":467.25,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0042826272547245026},{"word":"accessing","start":467.25,"end":467.75,"confidence":0.99902344,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.0038834530860185623},{"word":"super","start":467.97,"end":468.47,"confidence":0.7602539,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.02249518781900406},{"word":"at","start":468.61,"end":468.84998,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.000351589173078537},{"word":"60","start":468.84998,"end":469.34998,"confidence":0.94091797,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.01083306036889553},{"word":"or","start":469.40997,"end":469.65,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.010521253570914268},{"word":"do","start":469.65,"end":469.81,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.011223623529076576},{"word":"you","start":469.81,"end":469.88998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0011463165283203125},{"word":"think","start":469.88998,"end":470.05,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.015119940042495728},{"word":"you'll","start":470.05,"end":470.28998,"confidence":0.7973633,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.010905913077294828},{"word":"work","start":470.28998,"end":470.53,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.018466465175151825},{"word":"a","start":470.53,"end":470.69,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.023504890501499176},{"word":"little","start":470.69,"end":470.84998,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.023750636726617813},{"word":"bit","start":470.84998,"end":471.09,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.024489834904670715},{"word":"longer","start":471.09,"end":471.59,"confidence":0.9995117,"punctuated_word":"longer?","sentiment":"neutral","sentiment_score":-0.016658753156661987},{"word":"yeah","start":476.245,"end":476.565,"confidence":0.7385254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0774640366435051},{"word":"perfect","start":476.565,"end":477.065,"confidence":0.9926758,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.23130232095718384},{"word":"and","start":477.76498,"end":478.005,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11377888172864914},{"word":"i","start":478.005,"end":478.085,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11097299307584764},{"word":"have","start":478.085,"end":478.32498,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09455433487892152},{"word":"here","start":478.32498,"end":478.645,"confidence":0.9970703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12440691888332368},{"word":"that","start":478.645,"end":478.88498,"confidence":0.9387207,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.124887116253376},{"word":"ideally","start":478.88498,"end":479.365,"confidence":1.0,"punctuated_word":"ideally,","sentiment":"neutral","sentiment_score":0.14832307398319244},{"word":"you","start":479.365,"end":479.60498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18782728910446167},{"word":"would","start":479.60498,"end":479.76498,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17574380338191986},{"word":"love","start":479.76498,"end":480.005,"confidence":1.0,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.27964335680007935},{"word":"to","start":480.005,"end":480.16498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1991208493709564},{"word":"draw","start":480.16498,"end":480.565,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.21853043138980863},{"word":"about","start":480.565,"end":480.88498,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12202482670545578},{"word":"$800","start":480.88498,"end":481.685,"confidence":0.99975586,"punctuated_word":"$800","sentiment":"neutral","sentiment_score":0.17470495402812958},{"word":"per","start":481.685,"end":481.925,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.13186641037464142},{"word":"week","start":481.925,"end":482.245,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.12532073259353638},{"word":"from","start":482.245,"end":482.565,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14278198778629303},{"word":"super","start":482.565,"end":483.065,"confidence":0.9604492,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1583269238471985},{"word":"at","start":483.60498,"end":483.76498,"confidence":0.9790039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.041007768362760544},{"word":"that","start":483.76498,"end":483.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08602747321128845},{"word":"time","start":483.925,"end":484.425,"confidence":0.80200195,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.08389605581760406},{"word":"yep","start":484.565,"end":485.04498,"confidence":0.8708496,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09273968636989594},{"word":"okay","start":485.04498,"end":485.365,"confidence":0.98535156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19210948050022125},{"word":"perfect","start":485.365,"end":485.865,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29492056369781494},{"word":"yep","start":486.32498,"end":486.82498,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11745887994766235},{"word":"and","start":487.845,"end":488.085,"confidence":0.6870117,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05771605297923088},{"word":"when","start":488.085,"end":488.245,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03612444177269936},{"word":"it","start":488.245,"end":488.405,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.041956763714551926},{"word":"comes","start":488.405,"end":488.72498,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.020891863852739338},{"word":"to","start":488.72498,"end":488.88498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023655526340007785},{"word":"the","start":488.88498,"end":489.04498,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016850709915161133},{"word":"level","start":489.04498,"end":489.365,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.02088242769241333},{"word":"of","start":489.365,"end":489.60498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017657402902841568},{"word":"risk","start":489.60498,"end":490.005,"confidence":0.9838867,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.008409596979618073},{"word":"that","start":490.005,"end":490.16498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01591997593641281},{"word":"you","start":490.16498,"end":490.32498,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014138340950012209},{"word":"are","start":490.32498,"end":490.485,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.00434764102101326},{"word":"comfortable","start":490.485,"end":490.985,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.010472238063812256},{"word":"with","start":491.205,"end":491.525,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.008892379701137543},{"word":"taking","start":491.525,"end":492.025,"confidence":0.9760742,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.019416704773902893},{"word":"for","start":492.13998,"end":492.3,"confidence":0.9375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03407645970582962},{"word":"your","start":492.3,"end":492.54,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06549082696437836},{"word":"superannuation","start":492.54,"end":493.04,"confidence":0.9836426,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.07425050437450409},{"word":"are","start":494.7,"end":494.94,"confidence":0.7290039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.00047966092824935913},{"word":"you","start":494.94,"end":495.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01913043856620789},{"word":"willing","start":495.26,"end":495.66,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.01274912804365158},{"word":"to","start":495.66,"end":496.06,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02229677140712738},{"word":"accept","start":496.06,"end":496.56,"confidence":1.0,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":-0.06853155046701431},{"word":"very","start":496.7,"end":497.18,"confidence":0.9111328,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.03247116506099701},{"word":"high","start":497.18,"end":497.58,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.05508178099989891},{"word":"risk","start":497.58,"end":498.08,"confidence":0.9904785,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.028010062873363495},{"word":"high","start":498.54,"end":499.04,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.024422742426395416},{"word":"moderates","start":499.34,"end":499.84,"confidence":0.7265625,"punctuated_word":"moderates,","sentiment":"neutral","sentiment_score":-0.022685278207063675},{"word":"or","start":500.46,"end":500.7,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.008340902626514435},{"word":"a","start":500.7,"end":500.86,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005679231137037277},{"word":"small","start":500.86,"end":501.26,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.004823073744773865},{"word":"amount","start":501.26,"end":501.58,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.023596830666065216},{"word":"of","start":501.58,"end":501.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.035421207547187805},{"word":"risk","start":501.82,"end":502.22,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0369892455637455},{"word":"for","start":502.22,"end":502.46,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.003166407346725464},{"word":"your","start":502.46,"end":502.78,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02388383448123932},{"word":"superannuation","start":502.78,"end":503.28,"confidence":0.9968262,"punctuated_word":"superannuation?","sentiment":"neutral","sentiment_score":0.05798592418432236},{"word":"moderate","start":511.83502,"end":512.335,"confidence":0.8959961,"punctuated_word":"Moderate?","sentiment":"neutral","sentiment_score":-0.006670159753412008},{"word":"okay","start":515.995,"end":516.47504,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.35386985540390015},{"word":"perfect","start":516.47504,"end":516.97504,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.602878212928772},{"word":"so","start":517.03503,"end":517.275,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1905103176832199},{"word":"just","start":517.275,"end":517.59503,"confidence":0.9013672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14698517322540283},{"word":"reducing","start":517.59503,"end":518.09503,"confidence":0.9873047,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.1347511112689972},{"word":"that","start":518.13,"end":518.37,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12862104177474976},{"word":"a","start":518.37,"end":518.53,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02476610615849495},{"word":"little","start":518.53,"end":519.03,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.00039999186992645264},{"word":"bit","start":519.25,"end":519.33,"confidence":0.9926758,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.017303556203842163},{"word":"and","start":519.33,"end":519.83,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05927872657775879},{"word":"when","start":520.53,"end":520.77,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05655056983232498},{"word":"it","start":520.77,"end":520.93,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0491698794066906},{"word":"comes","start":520.93,"end":521.41003,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.02598189190030098},{"word":"to","start":521.41003,"end":521.91003,"confidence":0.6933594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04924226179718971},{"word":"fluctuations","start":521.97003,"end":522.47003,"confidence":0.9975586,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":-0.05996059626340866},{"word":"if","start":523.89,"end":524.13,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05979682505130768},{"word":"you","start":524.13,"end":524.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06639109551906586},{"word":"placed","start":524.53,"end":524.85,"confidence":0.54248047,"punctuated_word":"placed","sentiment":"neutral","sentiment_score":-0.05941127985715866},{"word":"an","start":524.85,"end":525.09,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0595845989882946},{"word":"investment","start":525.09,"end":525.59,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0635676309466362},{"word":"and","start":526.05,"end":526.37,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06600019335746765},{"word":"found","start":526.37,"end":526.85,"confidence":1.0,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.09277264773845673},{"word":"that","start":526.85,"end":527.35,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07031548023223877},{"word":"the","start":527.65,"end":527.81,"confidence":0.6323242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09186813980340958},{"word":"investment","start":527.81,"end":528.29,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1471366286277771},{"word":"had","start":528.29,"end":528.61,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.202797994017601},{"word":"dropped","start":528.61,"end":528.93,"confidence":0.99902344,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.11537466198205948},{"word":"in","start":528.93,"end":529.17,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23097370564937592},{"word":"value","start":529.17,"end":529.67,"confidence":0.99902344,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":-0.19142571091651917},{"word":"would","start":530.77496,"end":531.01495,"confidence":0.9970703,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.16960597038269043},{"word":"you","start":531.01495,"end":531.51495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15083134174346924},{"word":"think","start":531.575,"end":531.975,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.11475776135921478},{"word":"that","start":531.975,"end":532.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10595515370368958},{"word":"if","start":532.375,"end":532.535,"confidence":0.84716797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.054691433906555176},{"word":"you","start":532.535,"end":532.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0769752785563469},{"word":"had","start":532.695,"end":532.935,"confidence":0.9506836,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04856743663549423},{"word":"the","start":532.935,"end":533.01495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016850292682647705},{"word":"option","start":533.01495,"end":533.33496,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.02308078110218048},{"word":"to","start":533.33496,"end":533.495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001945316791534424},{"word":"do","start":533.495,"end":533.735,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.020952433347702023},{"word":"so","start":533.735,"end":534.135,"confidence":0.99316406,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.017177283763885498},{"word":"now","start":534.135,"end":534.375,"confidence":0.98828125,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.06342165172100067},{"word":"is","start":534.375,"end":534.615,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04240724444389343},{"word":"potentially","start":534.615,"end":535.115,"confidence":0.9951172,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.07305023074150085},{"word":"a","start":535.175,"end":535.33496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04017328470945358},{"word":"good","start":535.33496,"end":535.495,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.16528521478176117},{"word":"time","start":535.495,"end":535.815,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07479901611804962},{"word":"to","start":535.815,"end":536.055,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01874682307243347},{"word":"put","start":536.055,"end":536.295,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.009487837553024292},{"word":"a","start":536.295,"end":536.375,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08348513394594193},{"word":"little","start":536.375,"end":536.535,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06914792954921722},{"word":"bit","start":536.535,"end":536.77496,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.024215593934059143},{"word":"more","start":536.77496,"end":536.935,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09367364645004272},{"word":"money","start":536.935,"end":537.175,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.03835199773311615},{"word":"in","start":537.175,"end":537.415,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.048974938690662384},{"word":"while","start":537.415,"end":537.65497,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.06117866188287735},{"word":"the","start":537.65497,"end":537.735,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08982019871473312},{"word":"prices","start":537.735,"end":538.135,"confidence":1.0,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.14845702052116394},{"word":"are","start":538.135,"end":538.295,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11603625863790512},{"word":"down","start":538.295,"end":538.795,"confidence":0.7717285,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":-0.0977618843317032},{"word":"do","start":539.33496,"end":539.495,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.13339702785015106},{"word":"you","start":539.495,"end":539.65497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13902682065963745},{"word":"think","start":539.65497,"end":540.055,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1312446892261505},{"word":"you","start":540.055,"end":540.21497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17355503141880035},{"word":"would","start":540.21497,"end":540.45496,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.13436979055404663},{"word":"rather","start":540.45496,"end":540.95496,"confidence":0.9921875,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.22630660235881803},{"word":"just","start":541.095,"end":541.415,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.162894606590271},{"word":"kind","start":541.415,"end":541.575,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.14370182156562805},{"word":"of","start":541.575,"end":541.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1633833348751068},{"word":"hold","start":541.735,"end":542.055,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.1714196801185608},{"word":"and","start":542.055,"end":542.21497,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21936579048633575},{"word":"wait","start":542.21497,"end":542.535,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.15732614696025848},{"word":"to","start":542.535,"end":542.695,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1597786247730255},{"word":"see","start":542.695,"end":542.855,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11338388174772264},{"word":"what","start":542.855,"end":543.095,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13855572044849396},{"word":"happens","start":543.095,"end":543.595,"confidence":0.8210449,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.15169954299926758},{"word":"or","start":544.375,"end":544.77496,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18741336464881897},{"word":"would","start":544.77496,"end":545.01495,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1089833527803421},{"word":"you","start":545.01495,"end":545.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1273891180753708},{"word":"want","start":545.175,"end":545.415,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.12752088904380798},{"word":"to","start":545.415,"end":545.915,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1646311581134796},{"word":"shift","start":545.94,"end":546.44,"confidence":1.0,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":-0.12986020743846893},{"word":"to","start":546.66,"end":546.9,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13140982389450073},{"word":"a","start":546.9,"end":547.06,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08727676421403885},{"word":"more","start":547.06,"end":547.46,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07670968025922775},{"word":"secure","start":547.46,"end":547.86,"confidence":0.99609375,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":-0.08673229813575745},{"word":"asset","start":547.86,"end":548.36,"confidence":0.75,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":-0.0716390311717987},{"word":"but","start":548.9,"end":549.14,"confidence":0.39453125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09096603840589523},{"word":"that","start":549.14,"end":549.3,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12523627281188965},{"word":"means","start":549.3,"end":549.54,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.10245592147111891},{"word":"you","start":549.54,"end":549.7,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1200801283121109},{"word":"are","start":549.7,"end":549.78,"confidence":0.9741211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10513322800397872},{"word":"then","start":549.78,"end":550.02,"confidence":0.9819336,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12452246248722076},{"word":"selling","start":550.02,"end":550.42,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.1427743285894394},{"word":"when","start":550.42,"end":550.58,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.16287299990653992},{"word":"the","start":550.58,"end":550.74,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16554389894008636},{"word":"prices","start":550.74,"end":551.14,"confidence":1.0,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.20092743635177612},{"word":"have","start":551.14,"end":551.46,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17873990535736084},{"word":"dropped","start":551.46,"end":551.96,"confidence":0.9147949,"punctuated_word":"dropped?","sentiment":"neutral","sentiment_score":-0.15788865089416504},{"word":"just","start":563.315,"end":563.555,"confidence":0.8144531,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0383080393075943},{"word":"kind","start":563.555,"end":563.79504,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.050986431539058685},{"word":"of","start":563.79504,"end":563.875,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0713396891951561},{"word":"hold","start":563.875,"end":564.115,"confidence":0.9921875,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.07774961739778519},{"word":"it","start":564.115,"end":564.435,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09159284830093384},{"word":"and","start":564.435,"end":564.675,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07921681553125381},{"word":"see","start":564.675,"end":565.175,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06414607167243958},{"word":"depending","start":565.715,"end":566.215,"confidence":0.64868164,"punctuated_word":"depending.","sentiment":"neutral","sentiment_score":-0.06776898354291916},{"word":"yep","start":566.91504,"end":567.41504,"confidence":0.9016113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05617176741361618},{"word":"okay","start":568.91504,"end":569.395,"confidence":0.98657227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1612207144498825},{"word":"perfect","start":569.395,"end":569.895,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3645327687263489},{"word":"now","start":571.8,"end":572.3,"confidence":0.9707031,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1622176468372345},{"word":"would","start":572.92,"end":573.16,"confidence":0.9902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1072758361697197},{"word":"you","start":573.16,"end":573.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1339138150215149},{"word":"ever","start":573.32,"end":573.72,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.14246496558189392},{"word":"consider","start":573.72,"end":574.22,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.09302645921707152},{"word":"taking","start":574.44,"end":574.83997,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.13445283472537994},{"word":"out","start":574.83997,"end":575.07996,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09085683524608612},{"word":"a","start":575.07996,"end":575.24,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07967931032180786},{"word":"loan","start":575.24,"end":575.74,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.09557005763053894},{"word":"to","start":575.88,"end":576.2,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0614735409617424},{"word":"buy","start":576.2,"end":576.44,"confidence":0.98535156,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.07057690620422363},{"word":"an","start":576.44,"end":576.6,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07871703803539276},{"word":"investment","start":576.6,"end":577.1,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.052716851234436035},{"word":"property","start":577.24,"end":577.74,"confidence":0.9995117,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.03910407796502113},{"word":"no","start":583.07996,"end":583.56,"confidence":0.9592285,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17270290851593018},{"word":"no","start":583.56,"end":583.8,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18517820537090304},{"word":"that's","start":583.8,"end":584.2,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.02701466344296932},{"word":"all","start":584.2,"end":584.51996,"confidence":0.9741211,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0557706356048584},{"word":"good","start":584.51996,"end":585.01996,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03929642587900162},{"word":"now","start":586.675,"end":586.995,"confidence":0.9628906,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":-0.0057853348553180695},{"word":"richard","start":586.995,"end":587.475,"confidence":0.99902344,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.05467322841286659},{"word":"that","start":587.475,"end":587.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.033714115619659424},{"word":"basically","start":587.715,"end":588.195,"confidence":0.9921875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.004050582647323608},{"word":"tells","start":588.195,"end":588.435,"confidence":1.0,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.02602943778038025},{"word":"me","start":588.435,"end":588.59503,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.029869109392166138},{"word":"here","start":588.59503,"end":588.835,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.041430726647377014},{"word":"that","start":588.835,"end":589.075,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.003831379115581513},{"word":"you","start":589.075,"end":589.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010290451347827911},{"word":"have","start":589.315,"end":589.555,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.006548672914505005},{"word":"come","start":589.555,"end":589.875,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.017122015357017517},{"word":"out","start":589.875,"end":590.375,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.009994015097618105},{"word":"a","start":590.915,"end":591.075,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04789251834154129},{"word":"little","start":591.075,"end":591.315,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.045071378350257874},{"word":"bit","start":591.315,"end":591.555,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08554041385650635},{"word":"more","start":591.555,"end":591.795,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09579668939113616},{"word":"defensive","start":591.795,"end":592.295,"confidence":0.9951172,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.1165389120578766},{"word":"than","start":592.675,"end":592.835,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.09901662170886992},{"word":"how","start":592.835,"end":593.075,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.09581101685762404},{"word":"we","start":593.075,"end":593.315,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09147387742996216},{"word":"currently","start":593.315,"end":593.795,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.16521811485290527},{"word":"have","start":593.795,"end":594.035,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09522802382707596},{"word":"you","start":594.035,"end":594.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.059836678206920624},{"word":"invested","start":594.515,"end":595.015,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.0632285475730896},{"word":"in","start":595.155,"end":595.655,"confidence":0.99609375,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.03122046589851379},{"word":"so","start":596.035,"end":596.535,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0002850741147994995},{"word":"at","start":596.59503,"end":596.835,"confidence":0.9428711,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014456495642662048},{"word":"the","start":596.835,"end":596.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02443144842982292},{"word":"moment","start":596.995,"end":597.45,"confidence":0.99902344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.042951855808496475},{"word":"we","start":597.53,"end":597.69,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.037737760692834854},{"word":"have","start":597.69,"end":597.85004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.033784419298172},{"word":"you","start":597.85004,"end":598.09,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02667032927274704},{"word":"invested","start":598.09,"end":598.59,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.035520024597644806},{"word":"in","start":598.65,"end":598.81,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.052378371357917786},{"word":"a","start":598.81,"end":599.21,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05062416195869446},{"word":"high","start":599.21,"end":599.53,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.06453297287225723},{"word":"growth","start":599.53,"end":600.01,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08512908220291138},{"word":"portfolio","start":600.01,"end":600.51,"confidence":0.91015625,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.04076220095157623},{"word":"and","start":601.45,"end":601.69,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06535936146974564},{"word":"you","start":601.69,"end":601.85004,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08435552567243576},{"word":"have","start":601.85004,"end":602.17,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06529892981052399},{"word":"come","start":602.17,"end":602.41003,"confidence":0.90527344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08300261199474335},{"word":"out","start":602.41003,"end":602.65,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09753647446632384},{"word":"kind","start":602.65,"end":602.89,"confidence":0.97265625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11062413454055786},{"word":"of","start":602.89,"end":603.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04863082617521286},{"word":"as","start":603.13,"end":603.45,"confidence":0.9633789,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.055766962468624115},{"word":"more","start":603.45,"end":603.77,"confidence":0.9951172,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.039755843579769135},{"word":"of","start":603.77,"end":604.01,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06126362085342407},{"word":"your","start":604.01,"end":604.51,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.042980343103408813},{"word":"growth","start":604.65,"end":604.97003,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.028237324208021164},{"word":"kind","start":605.13,"end":605.29004,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.019404403865337372},{"word":"of","start":605.29004,"end":605.45,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026135273277759552},{"word":"borderline","start":605.45,"end":605.95,"confidence":0.97509766,"punctuated_word":"borderline","sentiment":"neutral","sentiment_score":0.02108950912952423},{"word":"balance","start":606.01,"end":606.41003,"confidence":0.60498047,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.010068923234939575},{"word":"growth","start":606.41003,"end":606.81,"confidence":0.97998047,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.02269332855939865},{"word":"investors","start":606.81,"end":607.31,"confidence":0.97143555,"punctuated_word":"investors.","sentiment":"neutral","sentiment_score":0.007202431559562683},{"word":"do","start":608.33,"end":608.57,"confidence":0.9716797,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.012810345739126204},{"word":"you","start":608.57,"end":608.81,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009111125022172928},{"word":"know","start":608.81,"end":609.13,"confidence":0.92578125,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.009942051023244858},{"word":"the","start":609.13,"end":609.29004,"confidence":0.85058594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013048987835645676},{"word":"difference","start":609.29004,"end":609.79004,"confidence":0.96972656,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.02057713270187378},{"word":"between","start":609.945,"end":610.265,"confidence":0.9404297,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02204076200723648},{"word":"those","start":610.265,"end":610.425,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.01876487024128437},{"word":"at","start":610.425,"end":610.925,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02030098997056484},{"word":"all","start":611.945,"end":612.445,"confidence":0.99902344,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.05331091210246086},{"word":"nope","start":612.585,"end":613.085,"confidence":0.76416016,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.040512025356292725},{"word":"that's","start":613.22504,"end":613.625,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14373984932899475},{"word":"all","start":613.625,"end":613.945,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17873255908489227},{"word":"good","start":613.945,"end":614.425,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.14763054251670835},{"word":"now","start":614.425,"end":614.925,"confidence":0.8652344,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.08113904297351837},{"word":"essentially","start":614.985,"end":615.485,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.09207938611507416},{"word":"a","start":615.545,"end":615.78503,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14084532856941223},{"word":"high","start":615.78503,"end":616.025,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.17495116591453552},{"word":"growth","start":616.025,"end":616.505,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15526171028614044},{"word":"investor","start":616.505,"end":617.005,"confidence":0.9980469,"punctuated_word":"investor","sentiment":"neutral","sentiment_score":0.09732110053300858},{"word":"is","start":617.22504,"end":617.385,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.056645382195711136},{"word":"someone","start":617.385,"end":617.705,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.0969392955303192},{"word":"that's","start":617.705,"end":617.865,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12819504737854004},{"word":"looking","start":617.865,"end":618.185,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11318469047546388},{"word":"at","start":618.185,"end":618.34503,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1468094438314438},{"word":"getting","start":618.34503,"end":618.585,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.10977567732334136},{"word":"as","start":618.585,"end":618.745,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12642759084701538},{"word":"much","start":618.745,"end":619.145,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.18362712860107425},{"word":"growth","start":619.145,"end":619.465,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1788862943649292},{"word":"as","start":619.465,"end":619.705,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15009090304374695},{"word":"you","start":619.705,"end":619.78503,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21044376492500305},{"word":"possibly","start":619.78503,"end":620.265,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.196910560131073},{"word":"can","start":620.265,"end":620.585,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2133183479309082},{"word":"out","start":620.585,"end":620.745,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.25017866492271423},{"word":"of","start":620.745,"end":620.985,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15183871984481812},{"word":"super","start":620.985,"end":621.485,"confidence":0.77685547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2682020664215088},{"word":"while","start":622.025,"end":622.185,"confidence":0.83447266,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.13845425844192505},{"word":"you","start":622.185,"end":622.34503,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13616283237934113},{"word":"still","start":622.34503,"end":622.665,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11172307282686234},{"word":"have","start":622.665,"end":622.905,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10067977756261826},{"word":"plenty","start":622.905,"end":623.305,"confidence":0.99121094,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.0884358212351799},{"word":"of","start":623.305,"end":623.545,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08869681507349014},{"word":"time","start":623.545,"end":623.78503,"confidence":0.9301758,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11161965131759644},{"word":"until","start":623.78503,"end":624.28503,"confidence":0.9667969,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.08810784667730331},{"word":"retirement","start":624.57996,"end":625.07996,"confidence":0.91918945,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.0795527845621109},{"word":"also","start":625.7,"end":626.18,"confidence":0.94311523,"punctuated_word":"Also,","sentiment":"neutral","sentiment_score":0.07410493493080139},{"word":"someone","start":626.18,"end":626.57996,"confidence":0.98535156,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.08992766588926315},{"word":"who","start":626.57996,"end":626.89996,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.09495311975479126},{"word":"is","start":626.89996,"end":627.39996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10057123005390169},{"word":"comfortable","start":627.45996,"end":627.95996,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.10455694794654846},{"word":"with","start":628.01996,"end":628.26,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09437333792448044},{"word":"and","start":628.26,"end":628.42,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10446590185165404},{"word":"understand","start":628.42,"end":628.92,"confidence":0.50341797,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.06819827109575272},{"word":"that","start":629.22,"end":629.45996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05849722772836685},{"word":"there","start":629.45996,"end":629.7,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.061170630156993866},{"word":"will","start":629.7,"end":629.94,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05619519203901291},{"word":"be","start":629.94,"end":630.33997,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05932007730007171},{"word":"some","start":630.33997,"end":630.83997,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01848600059747696},{"word":"fluctuations","start":632.33997,"end":632.83997,"confidence":0.8071289,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.056451745331287384},{"word":"in","start":633.22,"end":633.38,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01875976473093033},{"word":"the","start":633.38,"end":633.62,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003331676125526428},{"word":"short","start":633.62,"end":633.86,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.029579617083072662},{"word":"term","start":633.86,"end":634.26,"confidence":1.0,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.05871613323688507},{"word":"in","start":634.26,"end":634.57996,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023550793528556824},{"word":"order","start":634.57996,"end":634.82,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.011066675186157228},{"word":"to","start":634.82,"end":635.13995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06407321244478226},{"word":"achieve","start":635.13995,"end":635.54,"confidence":1.0,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.10851946473121644},{"word":"that","start":635.54,"end":635.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1387682557106018},{"word":"growth","start":635.86,"end":636.26,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.22511206567287445},{"word":"in","start":636.26,"end":636.42,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12930570542812347},{"word":"the","start":636.42,"end":636.57996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13069140911102295},{"word":"long","start":636.57996,"end":636.89996,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1271563172340393},{"word":"term","start":636.89996,"end":637.39996,"confidence":0.99658203,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.09620516002178192},{"word":"so","start":638.255,"end":638.755,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11413123458623886},{"word":"when","start":639.215,"end":639.455,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15341052412986755},{"word":"we","start":639.455,"end":639.615,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14342282712459564},{"word":"are","start":639.615,"end":639.935,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14955441653728485},{"word":"talking","start":639.935,"end":640.415,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.15350258350372314},{"word":"about","start":640.415,"end":640.915,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16419437527656555},{"word":"how","start":640.97504,"end":641.215,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1519385278224945},{"word":"the","start":641.215,"end":641.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16251370310783386},{"word":"money","start":641.455,"end":641.775,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17272919416427612},{"word":"is","start":641.775,"end":642.09503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14386232197284698},{"word":"invested","start":642.09503,"end":642.59503,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1308436393737793},{"word":"in","start":643.775,"end":644.015,"confidence":0.875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1546272039413452},{"word":"a","start":644.015,"end":644.175,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.159988135099411},{"word":"high","start":644.175,"end":644.415,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.16982340812683103},{"word":"growth","start":644.415,"end":644.815,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.17259711027145386},{"word":"portfolio","start":644.815,"end":645.315,"confidence":0.99902344,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.13607211410999298},{"word":"we","start":645.935,"end":646.175,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15455982089042664},{"word":"typically","start":646.175,"end":646.675,"confidence":0.9980469,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.15222910046577454},{"word":"see","start":646.735,"end":646.97504,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15091989934444427},{"word":"about","start":646.97504,"end":647.375,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1302499771118164},{"word":"90%","start":647.375,"end":648.355,"confidence":1.0,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.14211039245128632},{"word":"invested","start":648.815,"end":649.315,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.14046595990657806},{"word":"in","start":649.375,"end":649.53503,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18843844532966617},{"word":"what","start":649.53503,"end":649.77,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1746048480272293},{"word":"we","start":649.85004,"end":650.01,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1581034958362579},{"word":"would","start":650.01,"end":650.25,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.18643441796302795},{"word":"call","start":650.25,"end":650.57,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.16653656959533691},{"word":"your","start":650.57,"end":650.89,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19400346279144287},{"word":"growth","start":650.89,"end":651.39,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1675577610731125},{"word":"assets","start":651.61005,"end":652.11005,"confidence":0.99658203,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.15691009163856506},{"word":"now","start":652.57,"end":652.89,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16300475597381592},{"word":"this","start":652.89,"end":653.05005,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19759079813957217},{"word":"is","start":653.05005,"end":653.21,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15978705883026123},{"word":"a","start":653.21,"end":653.45,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2221755087375641},{"word":"combination","start":653.45,"end":653.95,"confidence":1.0,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.24799026548862457},{"word":"of","start":654.57,"end":655.07,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21627432107925415},{"word":"australian","start":655.29004,"end":655.79004,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.22426094114780423},{"word":"shares","start":655.93,"end":656.43,"confidence":0.99609375,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.2155449241399765},{"word":"international","start":656.89,"end":657.39,"confidence":0.99902344,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.1841452568769455},{"word":"shares","start":657.69,"end":658.19,"confidence":0.97680664,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.2414865344762802},{"word":"and","start":658.33,"end":658.57,"confidence":0.78125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24771320819854736},{"word":"property","start":658.57,"end":659.07,"confidence":0.82128906,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.2544790208339691},{"word":"as","start":659.13,"end":659.29004,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2924749553203583},{"word":"well","start":659.29004,"end":659.79004,"confidence":0.86694336,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2581188380718231},{"word":"and","start":660.01,"end":660.17004,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27033311128616333},{"word":"that","start":660.17004,"end":660.33,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29535913467407227},{"word":"is","start":660.33,"end":660.49,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24176669120788577},{"word":"what's","start":660.49,"end":660.73004,"confidence":0.9975586,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.3110058009624481},{"word":"going","start":660.73004,"end":660.97003,"confidence":0.99609375,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.36816051602363586},{"word":"to","start":660.97003,"end":661.21,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3317881226539612},{"word":"maximize","start":661.21,"end":661.69,"confidence":0.9921875,"punctuated_word":"maximize","sentiment":"positive","sentiment_score":0.47976377606391907},{"word":"those","start":661.69,"end":662.19,"confidence":0.9404297,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4843670427799225},{"word":"returns","start":662.315,"end":662.635,"confidence":0.9350586,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.542914867401123},{"word":"for","start":662.635,"end":662.71497,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46003881096839905},{"word":"you","start":662.71497,"end":662.95496,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4362804889678955},{"word":"over","start":662.95496,"end":663.27496,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.46343186497688293},{"word":"the","start":663.27496,"end":663.435,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.360434353351593},{"word":"long","start":663.435,"end":663.675,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4050216674804687},{"word":"term","start":663.675,"end":664.175,"confidence":0.98339844,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.2852453887462616},{"word":"and","start":664.555,"end":664.71497,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16072610020637512},{"word":"then","start":664.71497,"end":664.95496,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18546615540981293},{"word":"you","start":664.95496,"end":665.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2360626310110092},{"word":"do","start":665.115,"end":665.355,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2035282552242279},{"word":"have","start":665.355,"end":665.595,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25105389952659607},{"word":"about","start":665.595,"end":666.095,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.20615695416927335},{"word":"10%","start":666.235,"end":666.975,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.2639889121055603},{"word":"in","start":667.27496,"end":667.595,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23494866490364075},{"word":"defensive","start":667.595,"end":668.095,"confidence":0.86621094,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.17470498383045197},{"word":"so","start":668.71497,"end":668.875,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17436715960502625},{"word":"that","start":668.875,"end":669.035,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1903773248195648},{"word":"is","start":669.035,"end":669.27496,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1617846637964249},{"word":"like","start":669.27496,"end":669.515,"confidence":0.6464844,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1987830102443695},{"word":"your","start":669.515,"end":669.755,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2709173560142517},{"word":"cash","start":669.755,"end":670.15497,"confidence":0.98657227,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.2486378103494644},{"word":"your","start":670.15497,"end":670.39496,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32399436831474304},{"word":"gold","start":670.39496,"end":670.795,"confidence":0.97875977,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.2802644968032837},{"word":"your","start":670.795,"end":671.035,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2852911651134491},{"word":"fixed","start":671.035,"end":671.355,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.19523899257183075},{"word":"interest","start":671.355,"end":671.855,"confidence":0.9951172,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.13263492286205292},{"word":"limit","start":671.995,"end":672.475,"confidence":0.62158203,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.1649763286113739},{"word":"fluctuations","start":672.475,"end":672.975,"confidence":0.9526367,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.17729026079177856},{"word":"a","start":673.27496,"end":673.515,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17099657654762268},{"word":"little","start":673.515,"end":673.755,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11917990446090698},{"word":"bit","start":673.755,"end":674.255,"confidence":0.9995117,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.14025580883026123},{"word":"now","start":675.115,"end":675.595,"confidence":0.8161621,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.04208400100469589},{"word":"also","start":675.595,"end":675.915,"confidence":0.99609375,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.03650020807981491},{"word":"when","start":675.915,"end":676.075,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03816503286361694},{"word":"it","start":676.075,"end":676.235,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04033714532852173},{"word":"comes","start":676.235,"end":676.39496,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.04259166866540909},{"word":"to","start":676.39496,"end":676.555,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0335465744137764},{"word":"a","start":676.555,"end":676.795,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035568103194236755},{"word":"time","start":676.795,"end":677.035,"confidence":0.9921875,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.018668390810489655},{"word":"frame","start":677.035,"end":677.355,"confidence":0.9152832,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":0.03245395049452782},{"word":"so","start":677.355,"end":677.515,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0367957204580307},{"word":"we","start":677.515,"end":677.675,"confidence":0.97265625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04253276437520981},{"word":"wanna","start":677.675,"end":677.915,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06988218426704407},{"word":"make","start":677.915,"end":678.21,"confidence":0.93847656,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.033625274896621704},{"word":"sure","start":678.77,"end":678.79004,"confidence":0.8461914,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03119303658604622},{"word":"we","start":678.79004,"end":678.81006,"confidence":0.91845703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04611372947692871},{"word":"have","start":678.81006,"end":678.83,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.028731927275657657},{"word":"enough","start":678.83,"end":678.85004,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.029464595019817352},{"word":"time","start":678.85004,"end":679.17004,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.02899494208395481},{"word":"in","start":679.17004,"end":679.33,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015994636341929436},{"word":"the","start":679.33,"end":679.41003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028659187257289886},{"word":"market","start":679.41003,"end":679.81,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.02644691988825798},{"word":"for","start":679.81,"end":680.05005,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03684065863490105},{"word":"those","start":680.05005,"end":680.37,"confidence":0.9902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03400203585624695},{"word":"fluctuations","start":680.37,"end":680.87,"confidence":0.9536133,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.030536357313394547},{"word":"in","start":681.97003,"end":682.29004,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.05832619220018387},{"word":"a","start":682.29004,"end":682.79004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07148697972297668},{"word":"high","start":682.85004,"end":683.01,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.07761014997959137},{"word":"growth","start":683.01,"end":683.49005,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10597792267799376},{"word":"portfolio","start":683.49005,"end":683.99005,"confidence":0.9995117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.044137194752693176},{"word":"we","start":684.37,"end":684.61005,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07108475267887115},{"word":"typically","start":684.61005,"end":685.11005,"confidence":0.9941406,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.06670700013637543},{"word":"want","start":685.17004,"end":685.49005,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04393896460533142},{"word":"to","start":685.49005,"end":685.65,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04345399886369705},{"word":"see","start":685.65,"end":685.89,"confidence":0.9243164,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0442056730389595},{"word":"about","start":685.89,"end":686.29004,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.027804207056760788},{"word":"eight","start":686.29004,"end":686.45,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.03745831176638603},{"word":"years","start":686.45,"end":686.77,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.030364979058504105},{"word":"until","start":686.77,"end":687.09,"confidence":0.8496094,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.04616807401180267},{"word":"retirement","start":687.09,"end":687.59,"confidence":0.96533203,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.04832099750638008},{"word":"to","start":688.37,"end":688.53,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05696171149611473},{"word":"make","start":688.53,"end":688.77,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08038914948701859},{"word":"sure","start":688.77,"end":689.01,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07806045562028885},{"word":"you","start":689.01,"end":689.17004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09218274056911469},{"word":"have","start":689.17004,"end":689.41003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.062123969197273254},{"word":"enough","start":689.41003,"end":689.89,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.060209911316633224},{"word":"time","start":689.89,"end":690.13,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06132359057664871},{"word":"in","start":690.13,"end":690.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07714124768972397},{"word":"the","start":690.37,"end":690.53,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0883987620472908},{"word":"market","start":690.53,"end":691.03,"confidence":0.99609375,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.07877756655216217},{"word":"now","start":691.875,"end":692.375,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09283816814422607},{"word":"one","start":692.755,"end":693.235,"confidence":0.9873047,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08206357061862946},{"word":"step","start":693.235,"end":693.635,"confidence":0.9980469,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.11651729047298431},{"word":"down","start":693.635,"end":694.135,"confidence":0.8791504,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.1010100468993187},{"word":"so","start":694.195,"end":694.515,"confidence":0.9819336,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08566649258136749},{"word":"a","start":694.515,"end":694.755,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09903256595134736},{"word":"growth","start":694.755,"end":695.235,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07091105729341507},{"word":"portfolio","start":695.235,"end":695.735,"confidence":0.9433594,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.06450404226779938},{"word":"it","start":696.91504,"end":697.155,"confidence":0.5332031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11128726601600648},{"word":"is","start":697.155,"end":697.395,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10710279643535614},{"word":"fairly","start":697.395,"end":697.795,"confidence":0.99316406,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.12297675758600236},{"word":"similar","start":697.795,"end":698.195,"confidence":0.99194336,"punctuated_word":"similar,","sentiment":"neutral","sentiment_score":0.08992259949445724},{"word":"but","start":698.195,"end":698.435,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11976942420005798},{"word":"it's","start":698.435,"end":698.675,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10545200109481812},{"word":"about","start":698.675,"end":698.91504,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07049311697483063},{"word":"a","start":698.91504,"end":699.075,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0921706035733223},{"word":"10%","start":699.075,"end":699.97504,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.08752299845218658},{"word":"difference","start":700.03503,"end":700.53503,"confidence":0.9970703,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.07067079097032547},{"word":"so","start":700.59503,"end":700.835,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08741774410009384},{"word":"you","start":700.835,"end":700.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09503744542598724},{"word":"then","start":700.995,"end":701.235,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11116722971200944},{"word":"look","start":701.235,"end":701.555,"confidence":0.9243164,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07918377220630646},{"word":"at","start":701.555,"end":701.715,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08790743350982666},{"word":"about","start":701.715,"end":702.215,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07638087123632431},{"word":"80%","start":702.275,"end":702.995,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.09861420094966888},{"word":"in","start":702.995,"end":703.155,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09741158038377762},{"word":"growth","start":703.155,"end":703.655,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10068046301603316},{"word":"and","start":703.955,"end":704.34,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09027696400880814},{"word":"20","start":704.58,"end":705.08,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.14220966398715973},{"word":"in","start":705.22003,"end":705.38,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08903680741786957},{"word":"defensive","start":705.38,"end":705.88,"confidence":0.7988281,"punctuated_word":"defensive,","sentiment":"neutral","sentiment_score":0.06391766667366028},{"word":"so","start":705.94,"end":706.26,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0821172297000885},{"word":"10%","start":706.26,"end":707.08,"confidence":0.92529297,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.12057535350322723},{"word":"more","start":707.14,"end":707.54004,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06741604208946228},{"word":"in","start":707.54004,"end":707.94,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08939671516418457},{"word":"defensive","start":707.94,"end":708.44,"confidence":0.9995117,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.06625553965568542},{"word":"so","start":709.22003,"end":709.62006,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0636017918586731},{"word":"the","start":709.62006,"end":709.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05080584064126015},{"word":"difference","start":709.78,"end":710.26,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.07439367473125458},{"word":"between","start":710.26,"end":710.66003,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.07904289662837982},{"word":"that","start":710.66003,"end":710.98004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07993192970752716},{"word":"is","start":710.98004,"end":711.46,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06837005168199539},{"word":"that","start":711.46,"end":711.96,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050068438053131104},{"word":"in","start":712.10004,"end":712.26,"confidence":0.7441406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07271179556846619},{"word":"your","start":712.26,"end":712.42004,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.045891065150499344},{"word":"growth","start":712.42004,"end":712.82,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06219308078289032},{"word":"portfolio","start":712.82,"end":713.32,"confidence":0.99658203,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.049339283257722855},{"word":"you","start":713.62006,"end":713.86005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024450190365314484},{"word":"might","start":713.86005,"end":714.10004,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.01449555903673172},{"word":"not","start":714.10004,"end":714.26,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.02475126087665558},{"word":"have","start":714.26,"end":714.58,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009982623159885406},{"word":"as","start":714.58,"end":714.74005,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0035807639360427856},{"word":"much","start":714.74005,"end":715.06,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.01064513623714447},{"word":"fluctuations","start":715.06,"end":715.56,"confidence":0.9970703,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.019210688769817352},{"word":"as","start":716.02,"end":716.18005,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.024500228464603424},{"word":"you","start":716.18005,"end":716.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04663332551717758},{"word":"do","start":716.34,"end":716.5,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.021978825330734253},{"word":"in","start":716.5,"end":716.74005,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04668356478214264},{"word":"a","start":716.74005,"end":716.9,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053134236484766006},{"word":"higher","start":716.9,"end":717.14,"confidence":0.51464844,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.0361517034471035},{"word":"growth","start":717.14,"end":717.64,"confidence":0.86938477,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.06777606159448624},{"word":"but","start":718.145,"end":718.645,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.009865477681159971},{"word":"then","start":719.025,"end":719.10504,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.018013805150985718},{"word":"on","start":719.10504,"end":719.34503,"confidence":0.6621094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03349137306213379},{"word":"the","start":719.34503,"end":719.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007324546575546265},{"word":"long","start":719.505,"end":719.66504,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.02353423833847046},{"word":"term","start":719.66504,"end":719.985,"confidence":0.99902344,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.04250844940543175},{"word":"you","start":719.985,"end":720.22504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09732425212860107},{"word":"might","start":720.22504,"end":720.385,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08187870681285858},{"word":"not","start":720.385,"end":720.625,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0710696429014206},{"word":"have","start":720.625,"end":720.945,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05101916939020157},{"word":"as","start":720.945,"end":721.185,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06897871196269989},{"word":"high","start":721.185,"end":721.505,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.03754925727844238},{"word":"returns","start":721.505,"end":722.005,"confidence":0.9980469,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.032962873578071594},{"word":"at","start":722.385,"end":722.505,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06284260749816895},{"word":"the","start":722.505,"end":722.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04547303915023804},{"word":"same","start":722.625,"end":722.945,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.04311821609735489},{"word":"time","start":722.945,"end":723.445,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.03295573592185974},{"word":"a","start":725.585,"end":725.745,"confidence":0.91845703,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.01685900241136551},{"word":"growth","start":725.745,"end":726.145,"confidence":0.9760742,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.05801563709974289},{"word":"price","start":726.145,"end":726.465,"confidence":0.29003906,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.03901275247335434},{"word":"yeah","start":727.34503,"end":727.84503,"confidence":0.9580078,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10260556638240814},{"word":"you","start":728.145,"end":728.385,"confidence":0.98095703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.059841807931661606},{"word":"are","start":728.385,"end":728.545,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08819104731082916},{"word":"in","start":728.545,"end":728.705,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11650867015123367},{"word":"the","start":728.705,"end":728.865,"confidence":0.5732422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14482368528842926},{"word":"high","start":728.865,"end":729.10504,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.13798339664936066},{"word":"growth","start":729.10504,"end":729.505,"confidence":0.85180664,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.14865711331367493},{"word":"yes","start":729.505,"end":730.005,"confidence":0.71447754,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1189240738749504},{"word":"keep","start":733.39,"end":733.63,"confidence":0.94140625,"punctuated_word":"Keep","sentiment":"neutral","sentiment_score":0.02544950693845749},{"word":"it","start":733.63,"end":733.79,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06880450993776321},{"word":"like","start":733.79,"end":733.95,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10961825400590897},{"word":"that","start":733.95,"end":734.26996,"confidence":0.76342773,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14281949400901794},{"word":"yep","start":734.26996,"end":734.67,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07200606167316437},{"word":"no","start":734.67,"end":734.91,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.007622212171554565},{"word":"that's","start":734.91,"end":735.23,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.040210265666246414},{"word":"okay","start":735.23,"end":735.73,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.151897132396698},{"word":"and","start":736.83,"end":737.33,"confidence":0.8461914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11931054294109344},{"word":"you","start":738.43,"end":738.67,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11169347912073135},{"word":"still","start":738.67,"end":738.99,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10332946479320526},{"word":"have","start":738.99,"end":739.23,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0792122632265091},{"word":"that","start":739.23,"end":739.47,"confidence":0.8378906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07235652208328247},{"word":"eight","start":739.47,"end":739.70996,"confidence":0.99902344,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.06271751970052719},{"word":"years","start":739.70996,"end":740.20996,"confidence":0.99072266,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.054556794464588165},{"word":"you","start":741.70996,"end":741.79,"confidence":0.89990234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051451779901981354},{"word":"know","start":741.79,"end":742.02997,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.017417315393686295},{"word":"until","start":742.02997,"end":742.35,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0013645216822624209},{"word":"you","start":742.35,"end":742.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03694355487823486},{"word":"can","start":742.51,"end":742.75,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023927852511405945},{"word":"get","start":742.75,"end":742.91,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0190308541059494},{"word":"the","start":742.91,"end":743.07,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009605467319488524},{"word":"money","start":743.07,"end":743.57,"confidence":0.9616699,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.053076498210430145},{"word":"and","start":744.67,"end":745.17,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04081369563937187},{"word":"if","start":745.23,"end":745.47,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.029493894428014755},{"word":"anything","start":745.47,"end":745.97,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.010137580335140228},{"word":"yeah","start":750.15497,"end":750.65497,"confidence":0.9123535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1737678050994873},{"word":"perfect","start":751.035,"end":751.535,"confidence":0.982666,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3021870255470276},{"word":"no","start":752.955,"end":753.275,"confidence":0.74658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01124044507741928},{"word":"if","start":753.275,"end":753.435,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.04410886764526367},{"word":"anything","start":753.435,"end":753.835,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.02344648540019989},{"word":"does","start":753.835,"end":753.995,"confidence":0.9770508,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.018067948520183563},{"word":"change","start":753.995,"end":754.235,"confidence":0.9433594,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.07034088671207428},{"word":"we","start":754.235,"end":754.395,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09245636314153673},{"word":"can","start":754.395,"end":754.555,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.024524271488189697},{"word":"always","start":754.555,"end":754.795,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.036620914936065674},{"word":"reassess","start":754.795,"end":755.195,"confidence":0.9970703,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":-0.003804893931373954},{"word":"at","start":755.195,"end":755.275,"confidence":0.7026367,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0468587726354599},{"word":"hts","start":755.275,"end":755.755,"confidence":0.61710614,"punctuated_word":"HTS.","sentiment":"neutral","sentiment_score":-0.009693413972854614},{"word":"so","start":755.755,"end":755.915,"confidence":0.9326172,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.008013755083084106},{"word":"obviously","start":755.915,"end":756.235,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.017458364367485046},{"word":"the","start":756.235,"end":756.395,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017267100512981415},{"word":"closer","start":756.395,"end":756.795,"confidence":0.9941406,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.04600677639245987},{"word":"you","start":756.795,"end":757.035,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030692890286445618},{"word":"get","start":757.035,"end":757.535,"confidence":0.9711914,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.030083246529102325},{"word":"if","start":757.835,"end":757.995,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03652380034327507},{"word":"you","start":757.995,"end":758.15497,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.053877152502536774},{"word":"then","start":758.15497,"end":758.34,"confidence":0.98535156,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.037295468151569366},{"word":"wanna","start":758.5,"end":758.74005,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.02642173320055008},{"word":"start","start":758.74005,"end":758.98004,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.06344980001449585},{"word":"looking","start":758.98004,"end":759.38,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.07783151417970657},{"word":"at","start":759.38,"end":759.88,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11198069900274275},{"word":"reducing","start":760.02,"end":760.42004,"confidence":0.91503906,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":-0.07492874562740326},{"word":"that","start":760.42004,"end":760.74005,"confidence":0.9970703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.11874833703041077},{"word":"we","start":760.74005,"end":760.9,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08271446824073792},{"word":"can","start":760.9,"end":761.14,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.06567291915416718},{"word":"do","start":761.14,"end":761.30005,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09680026769638062},{"word":"that","start":761.30005,"end":761.54004,"confidence":0.9099121,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.09361109137535097},{"word":"but","start":761.54004,"end":761.7,"confidence":0.9260254,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.029434431344270703},{"word":"otherwise","start":761.7,"end":762.18005,"confidence":1.0,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":-0.03711717575788498},{"word":"i","start":762.18005,"end":762.42004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024249225854873657},{"word":"will","start":762.42004,"end":762.58,"confidence":0.73339844,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.004617422819137573},{"word":"leave","start":762.58,"end":762.82,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0540199875831604},{"word":"that","start":762.82,"end":763.14,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023846283555030823},{"word":"in","start":763.14,"end":763.30005,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.001064583659172058},{"word":"that","start":763.30005,"end":763.46,"confidence":0.9604492,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06676831841468811},{"word":"high","start":763.46,"end":763.7,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.05226106196641922},{"word":"growth","start":763.7,"end":764.10004,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14870163798332214},{"word":"for","start":764.10004,"end":764.34,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.046433016657829285},{"word":"now","start":764.34,"end":764.84,"confidence":0.99609375,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.012284711003303528},{"word":"and","start":764.9,"end":765.14,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0542546883225441},{"word":"like","start":765.14,"end":765.30005,"confidence":0.90283203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11911816149950027},{"word":"i","start":765.30005,"end":765.38,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10331805795431136},{"word":"said","start":765.38,"end":765.62006,"confidence":1.0,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.14659634232521057},{"word":"if","start":765.62006,"end":765.78,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.146534264087677},{"word":"you","start":765.78,"end":765.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10902943462133408},{"word":"ever","start":765.94,"end":766.18005,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.18061718344688416},{"word":"change","start":766.18005,"end":766.42004,"confidence":0.98828125,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.0367450937628746},{"word":"your","start":766.42004,"end":766.66003,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021672718226909637},{"word":"mind","start":766.66003,"end":766.9,"confidence":0.9995117,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.05586110800504685},{"word":"you","start":766.9,"end":767.14,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08411960303783417},{"word":"can","start":767.14,"end":767.22003,"confidence":0.8833008,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09174829721450806},{"word":"just","start":767.22003,"end":767.46,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08513610064983368},{"word":"let","start":767.46,"end":767.62006,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0601067990064621},{"word":"us","start":767.62006,"end":767.86005,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07037616521120071},{"word":"know","start":767.86005,"end":768.36005,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.08424386382102966},{"word":"yep","start":769.46,"end":769.86005,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22071248292922976},{"word":"perfect","start":769.86005,"end":770.36005,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3628236651420593},{"word":"now","start":770.955,"end":771.195,"confidence":0.9758301,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.168032705783844},{"word":"richard","start":771.195,"end":771.59503,"confidence":0.9926758,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.16660135984420776},{"word":"do","start":771.59503,"end":771.67505,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11046962440013884},{"word":"you","start":771.67505,"end":771.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12328466027975082},{"word":"have","start":771.755,"end":771.91504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09149320423603058},{"word":"access","start":771.91504,"end":772.23505,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.10455133020877838},{"word":"to","start":772.23505,"end":772.395,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13415725529193878},{"word":"your","start":772.395,"end":772.635,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11556246876716614},{"word":"emails","start":772.635,"end":773.135,"confidence":0.9716797,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.16257654130458832},{"word":"at","start":773.195,"end":773.435,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10749871283769608},{"word":"the","start":773.435,"end":773.59503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15037928521633148},{"word":"moment","start":773.59503,"end":774.09503,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.16146056354045868},{"word":"yep","start":775.67505,"end":776.075,"confidence":0.9819336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13726243376731873},{"word":"okay","start":776.075,"end":776.55505,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17969851195812225},{"word":"so","start":776.55505,"end":776.79504,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1899760365486145},{"word":"i","start":776.79504,"end":776.955,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24949683248996735},{"word":"have","start":776.955,"end":777.195,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22896192967891693},{"word":"just","start":777.195,"end":777.35504,"confidence":0.93115234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24490930140018463},{"word":"sent","start":777.35504,"end":777.59503,"confidence":0.97802734,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.27149441838264465},{"word":"you","start":777.59503,"end":777.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3187771141529083},{"word":"an","start":777.755,"end":777.91504,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2920309603214264},{"word":"email","start":777.91504,"end":778.315,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2707546055316925},{"word":"with","start":778.315,"end":778.635,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29067346453666687},{"word":"some","start":778.635,"end":778.955,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23954670131206512},{"word":"documents","start":778.955,"end":779.455,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.23691846430301663},{"word":"to","start":779.59503,"end":779.755,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2888217270374298},{"word":"run","start":779.755,"end":779.99506,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.27954769134521484},{"word":"through","start":779.99506,"end":780.23505,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2979122996330261},{"word":"quickly","start":780.23505,"end":780.73505,"confidence":0.85302734,"punctuated_word":"quickly,","sentiment":"positive","sentiment_score":0.3489934802055359},{"word":"and","start":781.35504,"end":781.59503,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32577311992645264},{"word":"it","start":781.59503,"end":781.835,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33918556571006775},{"word":"just","start":781.835,"end":782.075,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3476414978504181},{"word":"makes","start":782.075,"end":782.315,"confidence":1.0,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.3287566006183624},{"word":"it","start":782.315,"end":782.47504,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33810359239578247},{"word":"a","start":782.47504,"end":782.55505,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35111868381500244},{"word":"little","start":782.55505,"end":782.715,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.29499155282974243},{"word":"bit","start":782.715,"end":783.03503,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.32700106501579285},{"word":"easier","start":783.03503,"end":783.435,"confidence":1.0,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.3614787757396698},{"word":"for","start":783.435,"end":783.59503,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34702497720718384},{"word":"you","start":783.59503,"end":783.99506,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2627060115337372},{"word":"if","start":783.99506,"end":784.155,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2715209126472473},{"word":"you","start":784.155,"end":784.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2413073182106018},{"word":"are","start":784.315,"end":784.56,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2252737283706665},{"word":"able","start":784.64,"end":785.14,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2521723508834839},{"word":"to","start":785.76,"end":786.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2564474046230316},{"word":"see","start":787.2,"end":787.52,"confidence":0.95166016,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2756023705005646},{"word":"that","start":787.52,"end":787.76,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2480042576789856},{"word":"at","start":787.76,"end":787.84,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25782790780067444},{"word":"the","start":787.84,"end":788.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2442072629928589},{"word":"same","start":788.0,"end":788.32,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.23986318707466123},{"word":"time","start":788.32,"end":788.82,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.2229970097541809},{"word":"now","start":792.72,"end":793.22,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1560869812965393},{"word":"let","start":793.52,"end":793.76,"confidence":0.99609375,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.16704444587230682},{"word":"me","start":793.76,"end":793.92,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18941931426525116},{"word":"know","start":793.92,"end":794.08,"confidence":0.91674805,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1919134259223938},{"word":"so","start":794.08,"end":794.32,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2064315527677536},{"word":"it","start":794.32,"end":794.4,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.220269575715065},{"word":"should","start":794.4,"end":794.64,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.23863203823566437},{"word":"ask","start":794.64,"end":794.88,"confidence":0.99902344,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.2060946822166443},{"word":"you","start":794.88,"end":794.96,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18861351907253265},{"word":"to","start":794.96,"end":795.12,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14499472081661224},{"word":"click","start":795.12,"end":795.36,"confidence":0.99609375,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.1820778250694275},{"word":"on","start":795.36,"end":795.6,"confidence":0.98535156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20412401854991913},{"word":"a","start":795.6,"end":796.1,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1865171194076538},{"word":"link","start":796.16,"end":796.66,"confidence":0.9970703,"punctuated_word":"link.","sentiment":"neutral","sentiment_score":0.18193215131759644},{"word":"it","start":797.6,"end":797.76,"confidence":0.9448242,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2005251795053482},{"word":"will","start":797.76,"end":798.16,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19780004024505615},{"word":"allow","start":798.16,"end":798.48,"confidence":0.9970703,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.25087225437164307},{"word":"you","start":798.48,"end":798.64,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24149928987026217},{"word":"to","start":798.64,"end":798.8,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21306441724300385},{"word":"look","start":798.8,"end":799.04,"confidence":0.9873047,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2298581749200821},{"word":"at","start":799.04,"end":799.12,"confidence":0.96875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22668951749801636},{"word":"all","start":799.12,"end":799.27997,"confidence":0.984375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.21743762493133545},{"word":"the","start":799.27997,"end":799.575,"confidence":0.8935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1734480261802673},{"word":"documents","start":799.655,"end":800.055,"confidence":0.98535156,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1683676540851593},{"word":"first","start":800.055,"end":800.295,"confidence":0.7734375,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.2403477430343628},{"word":"though","start":800.295,"end":800.695,"confidence":0.9916992,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.2462928295135498},{"word":"just","start":800.695,"end":800.935,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27194175124168396},{"word":"to","start":800.935,"end":801.09503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2392091453075409},{"word":"make","start":801.09503,"end":801.255,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22195667028427124},{"word":"sure","start":801.255,"end":801.41504,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2360053658485413},{"word":"you","start":801.41504,"end":801.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33000555634498596},{"word":"are","start":801.575,"end":801.815,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2589631676673889},{"word":"happy","start":801.815,"end":802.315,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2418302446603775},{"word":"before","start":802.695,"end":803.015,"confidence":0.90625,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.25062158703804016},{"word":"it","start":803.015,"end":803.09503,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21770861744880676},{"word":"prompts","start":803.09503,"end":803.41504,"confidence":0.9902344,"punctuated_word":"prompts","sentiment":"neutral","sentiment_score":0.23006799817085263},{"word":"you","start":803.41504,"end":803.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22011925280094147},{"word":"to","start":803.655,"end":803.735,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.153411865234375},{"word":"sign","start":803.735,"end":804.055,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.1222362369298935},{"word":"anything","start":804.055,"end":804.555,"confidence":1.0,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.1410411298274994},{"word":"yes","start":813.815,"end":814.26,"confidence":0.98950195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08066444098949432},{"word":"yep","start":814.5,"end":815.0,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08466371148824692},{"word":"if","start":815.06,"end":815.22003,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06506849825382233},{"word":"you","start":815.22003,"end":815.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017609521746635437},{"word":"press","start":815.38,"end":815.7,"confidence":0.99902344,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.016940545290708542},{"word":"that","start":815.7,"end":815.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016790354624390602},{"word":"one","start":815.86,"end":816.10004,"confidence":0.9980469,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.01523370575159788},{"word":"it","start":816.10004,"end":816.34,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.017488839104771614},{"word":"should","start":816.34,"end":816.58,"confidence":0.9741211,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.025549601763486866},{"word":"open","start":816.58,"end":816.82,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.019350741058588028},{"word":"up","start":816.82,"end":816.98,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02487894706428051},{"word":"a","start":816.98,"end":817.06,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0336371585726738},{"word":"couple","start":817.06,"end":817.38,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.02335035614669323},{"word":"of","start":817.38,"end":817.62,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027426566928625107},{"word":"attachments","start":817.62,"end":818.12,"confidence":0.99902344,"punctuated_word":"attachments.","sentiment":"neutral","sentiment_score":0.012569121085107328},{"word":"doesn't","start":824.66003,"end":825.06,"confidence":0.81811523,"punctuated_word":"Doesn't","sentiment":"neutral","sentiment_score":-0.02592828869819641},{"word":"let","start":825.06,"end":825.3,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.038775186985731125},{"word":"me","start":825.3,"end":825.54004,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03428447246551514},{"word":"know","start":825.54004,"end":825.78,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05567105859518051},{"word":"what","start":825.78,"end":826.02,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03048065304756165},{"word":"you","start":826.02,"end":826.18,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025150680914521217},{"word":"can","start":826.18,"end":826.42,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02052186988294125},{"word":"see","start":826.42,"end":826.755,"confidence":0.9975586,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.02284979447722435},{"word":"the","start":840.355,"end":840.435,"confidence":0.8144531,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.004894061479717493},{"word":"first","start":840.435,"end":840.755,"confidence":0.83203125,"punctuated_word":"first","sentiment":"neutral","sentiment_score":3.4174881875514984e-6},{"word":"one","start":840.755,"end":840.995,"confidence":0.9160156,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0005141263827681541},{"word":"should","start":840.995,"end":841.495,"confidence":0.7661133,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0022154850885272026},{"word":"the","start":842.13,"end":842.53,"confidence":0.12841797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.002901419997215271},{"word":"first","start":842.53,"end":842.93,"confidence":0.9589844,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0019077742472290993},{"word":"one","start":842.93,"end":842.97,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.003096659667789936},{"word":"should","start":842.97,"end":843.01,"confidence":0.9921875,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.005207125097513199},{"word":"say","start":843.01,"end":843.05005,"confidence":0.9863281,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.003663161769509315},{"word":"summary","start":843.05005,"end":843.09,"confidence":0.8935547,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":-0.00020214729011058807},{"word":"of","start":843.09,"end":843.33,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004867599345743656},{"word":"superannuation","start":843.33,"end":843.83,"confidence":0.9941406,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.0058625140227377415},{"word":"and","start":844.29,"end":844.61,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0033116652630269527},{"word":"insurance","start":844.61,"end":845.11,"confidence":0.9941406,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.003304482204839587},{"word":"oh","start":845.89,"end":845.97003,"confidence":0.6911621,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.011123789474368095},{"word":"yeah","start":845.97003,"end":846.21,"confidence":0.9094238,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.011216606013476849},{"word":"you","start":846.21,"end":846.37,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.007233406417071819},{"word":"can","start":846.37,"end":846.53,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.009476580657064916},{"word":"see","start":846.53,"end":846.61,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.011973198503255844},{"word":"that","start":846.61,"end":846.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01418060716241598},{"word":"one","start":846.85,"end":847.35,"confidence":0.9802246,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.01067627314478159},{"word":"yep","start":848.29,"end":848.79,"confidence":0.88012695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017217358574271202},{"word":"yep","start":852.93,"end":853.33,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13885653018951416},{"word":"perfect","start":853.33,"end":853.83,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43494582176208496},{"word":"so","start":854.53,"end":854.85,"confidence":0.9506836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10594772547483444},{"word":"that","start":854.85,"end":855.01,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1598389595746994},{"word":"one","start":855.01,"end":855.17,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1535588800907135},{"word":"here","start":855.17,"end":855.41003,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1433074176311493},{"word":"gives","start":855.41003,"end":855.65,"confidence":0.94921875,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.09867756813764572},{"word":"you","start":855.65,"end":855.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10461420565843582},{"word":"a","start":855.73,"end":855.81,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11834929138422012},{"word":"bit","start":855.81,"end":855.97003,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1368156373500824},{"word":"of","start":855.97003,"end":856.05,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16639481484889984},{"word":"a","start":856.05,"end":856.13,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15996283292770386},{"word":"breakdown","start":856.13,"end":856.63,"confidence":0.9980469,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.11639833450317384},{"word":"of","start":856.69,"end":856.85,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13511160016059875},{"word":"your","start":856.85,"end":857.09,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11701533198356628},{"word":"super","start":857.09,"end":857.33,"confidence":0.9550781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12852561473846436},{"word":"and","start":857.33,"end":857.49,"confidence":0.8588867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08863164484500885},{"word":"your","start":857.49,"end":857.955,"confidence":0.89990234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05874039977788925},{"word":"now","start":859.395,"end":859.635,"confidence":0.75390625,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05575088411569595},{"word":"i","start":859.635,"end":859.715,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07026757299900055},{"word":"did","start":859.715,"end":859.955,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07449281215667725},{"word":"have","start":859.955,"end":860.03503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0770043432712555},{"word":"a","start":860.03503,"end":860.195,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07310143113136292},{"word":"quick","start":860.195,"end":860.515,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.07185132801532745},{"word":"look","start":860.515,"end":860.675,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06895657628774643},{"word":"at","start":860.675,"end":860.835,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10869289934635162},{"word":"your","start":860.835,"end":861.075,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0929383635520935},{"word":"super","start":861.075,"end":861.315,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08325761556625366},{"word":"balance","start":861.315,"end":861.715,"confidence":0.9716797,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.06793756783008575},{"word":"as","start":861.715,"end":861.875,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06767414510250092},{"word":"of","start":861.875,"end":862.115,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06695466488599777},{"word":"last","start":862.115,"end":862.515,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.048957571387290955},{"word":"year","start":862.515,"end":862.835,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08868248760700226},{"word":"as","start":862.835,"end":863.075,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10760325193405151},{"word":"well","start":863.075,"end":863.575,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1048486977815628},{"word":"just","start":863.955,"end":864.195,"confidence":0.78515625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1479286104440689},{"word":"to","start":864.195,"end":864.435,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12664884328842163},{"word":"see","start":864.435,"end":864.755,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14195038378238678},{"word":"for","start":864.755,"end":864.91504,"confidence":0.9741211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13199271261692047},{"word":"that","start":864.91504,"end":865.075,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14191143214702606},{"word":"comparison","start":865.075,"end":865.575,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.11365878582000732},{"word":"for","start":865.79504,"end":865.955,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10759364068508148},{"word":"you","start":865.955,"end":866.455,"confidence":0.9880371,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07857297360897064},{"word":"and","start":866.515,"end":866.755,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06198865920305252},{"word":"when","start":866.755,"end":866.995,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.045797623693943024},{"word":"we","start":866.995,"end":867.155,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0591401606798172},{"word":"spoke","start":867.155,"end":867.395,"confidence":0.99902344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.04407835379242897},{"word":"doing","start":867.395,"end":867.635,"confidence":0.5161133,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.06900274753570557},{"word":"that","start":867.635,"end":867.715,"confidence":0.6699219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08706063032150269},{"word":"in","start":867.715,"end":867.875,"confidence":0.28881836,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.050215624272823334},{"word":"review","start":867.875,"end":868.35504,"confidence":0.5727539,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05699851363897323},{"word":"last","start":868.35504,"end":868.59503,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0300457701086998},{"word":"year","start":868.59503,"end":868.835,"confidence":0.9995117,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.05982360243797302},{"word":"your","start":868.835,"end":869.075,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07692554593086243},{"word":"super","start":869.075,"end":869.395,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0548800453543663},{"word":"balance","start":869.395,"end":869.79504,"confidence":0.9921875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.06775818765163422},{"word":"was","start":869.79504,"end":870.03503,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05513530969619751},{"word":"at","start":870.03503,"end":870.35504,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.047997016459703445},{"word":"a","start":870.35504,"end":870.515,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06459087133407593},{"word":"135,993","start":870.515,"end":874.22003,"confidence":0.9701416,"punctuated_word":"135,993.","sentiment":"neutral","sentiment_score":0.0407930463552475},{"word":"and","start":874.52,"end":874.68005,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05928515270352363},{"word":"you","start":874.68005,"end":874.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06583142280578613},{"word":"can","start":874.84,"end":875.08,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08892400562763214},{"word":"see","start":875.08,"end":875.32,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10538865625858308},{"word":"that","start":875.32,"end":875.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08299749344587326},{"word":"it's","start":875.56,"end":875.72003,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08159565925598145},{"word":"now","start":875.72003,"end":875.96,"confidence":0.9941406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07076189666986465},{"word":"up","start":875.96,"end":876.12006,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0839562639594078},{"word":"at","start":876.12006,"end":876.36005,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0638555958867073},{"word":"a","start":876.36005,"end":876.44,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07596742361783981},{"word":"149,721","start":876.44,"end":879.98004,"confidence":0.99912107,"punctuated_word":"149,721.","sentiment":"neutral","sentiment_score":0.05588730797171593},{"word":"now","start":881.4,"end":881.9,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06827189028263092},{"word":"underneath","start":882.28,"end":882.78,"confidence":0.99121094,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.06941745430231094},{"word":"that","start":882.84,"end":883.08,"confidence":0.9941406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07558580487966537},{"word":"you","start":883.08,"end":883.24005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10265655070543288},{"word":"then","start":883.24005,"end":883.48004,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1053234562277794},{"word":"also","start":883.48004,"end":883.88,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06069545075297356},{"word":"have","start":883.88,"end":884.28,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05668095499277115},{"word":"your","start":884.28,"end":884.78,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06498968601226807},{"word":"clearview","start":884.92004,"end":885.42004,"confidence":0.74731445,"punctuated_word":"ClearView","sentiment":"neutral","sentiment_score":0.08451153337955475},{"word":"insurance","start":885.64,"end":886.14,"confidence":0.7294922,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.06320521980524063},{"word":"and","start":887.335,"end":887.575,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06402547657489777},{"word":"you","start":887.575,"end":887.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07033033668994904},{"word":"have","start":887.895,"end":888.215,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.082689568400383},{"word":"your","start":888.215,"end":888.715,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06720878928899765},{"word":"life","start":888.775,"end":889.255,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08403749018907547},{"word":"and","start":889.255,"end":889.655,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07342364639043808},{"word":"total","start":889.655,"end":890.135,"confidence":0.9921875,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.06284935772418976},{"word":"permanent","start":890.135,"end":890.635,"confidence":0.9902344,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.05018101260066032},{"word":"disability","start":890.85504,"end":891.35504,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.0425226204097271},{"word":"insurance","start":891.655,"end":892.155,"confidence":0.8076172,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.0583268478512764},{"word":"and","start":892.695,"end":892.85504,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08082268387079239},{"word":"that","start":892.85504,"end":893.09503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08379724621772766},{"word":"is","start":893.09503,"end":893.335,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06204475462436676},{"word":"covering","start":893.335,"end":893.73505,"confidence":1.0,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":0.03369484096765518},{"word":"you","start":893.73505,"end":894.05505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06292054057121277},{"word":"for","start":894.05505,"end":894.455,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05415904521942139},{"word":"327,069","start":894.455,"end":897.895,"confidence":0.99664307,"punctuated_word":"327,069","sentiment":"neutral","sentiment_score":0.044447269290685654},{"word":"if","start":897.895,"end":898.135,"confidence":0.84814453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.039291076362133026},{"word":"something","start":898.135,"end":898.455,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.03052186593413353},{"word":"were","start":898.455,"end":898.695,"confidence":0.97998047,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.02592378482222557},{"word":"to","start":898.695,"end":898.85504,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01868035644292831},{"word":"happen","start":898.85504,"end":899.35504,"confidence":0.9970703,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":0.03617068380117416},{"word":"are","start":900.28,"end":900.52,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0030803531408309937},{"word":"you","start":900.52,"end":900.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017855912446975708},{"word":"still","start":900.68,"end":901.0,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.006456807255744934},{"word":"comfortable","start":901.0,"end":901.48004,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.010437391698360445},{"word":"with","start":901.48004,"end":901.64,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.014436863362789154},{"word":"the","start":901.64,"end":901.8,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008344694972038269},{"word":"level","start":901.8,"end":902.12,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.00040445476770401},{"word":"of","start":902.12,"end":902.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004837408661842346},{"word":"cover","start":902.28,"end":902.68,"confidence":0.9902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0030379220843315125},{"word":"you","start":902.68,"end":902.92004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0206526517868042},{"word":"have","start":902.92004,"end":903.16003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02280598506331444},{"word":"for","start":903.16003,"end":903.4,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.023411087691783905},{"word":"life","start":903.4,"end":903.64,"confidence":0.96972656,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04645748063921928},{"word":"and","start":903.64,"end":904.04004,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02006176859140396},{"word":"tpd","start":904.04004,"end":904.54004,"confidence":0.85335284,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.023890499025583267},{"word":"or","start":904.76,"end":905.0,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007982023060321808},{"word":"or","start":905.0,"end":905.16003,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.004206281155347824},{"word":"what","start":905.16003,"end":905.32,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.010965168476104736},{"word":"are","start":905.32,"end":905.4,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0060381293296813965},{"word":"your","start":905.4,"end":905.64,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0039208754897117615},{"word":"thoughts","start":905.64,"end":905.96,"confidence":1.0,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.022807184606790543},{"word":"on","start":905.96,"end":906.2,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.006034038960933685},{"word":"that","start":906.2,"end":906.7,"confidence":0.99902344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.006211571395397186},{"word":"that","start":909.4,"end":909.9,"confidence":0.96972656,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1773764193058014},{"word":"that's","start":910.12,"end":910.52,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5783798098564148},{"word":"pretty","start":910.52,"end":910.84,"confidence":0.96972656,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4708778262138366},{"word":"good","start":910.84,"end":911.16003,"confidence":0.98657227,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42281901836395264},{"word":"yep","start":911.16003,"end":911.64,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2970728278160095},{"word":"beautiful","start":911.64,"end":912.14,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4862176477909088},{"word":"now","start":912.755,"end":912.995,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.25207817554473877},{"word":"you","start":912.995,"end":913.155,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2287474423646927},{"word":"then","start":913.155,"end":913.555,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.286459743976593},{"word":"also","start":913.555,"end":914.03503,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2412179708480835},{"word":"have","start":914.03503,"end":914.355,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2806278169155121},{"word":"an","start":914.355,"end":914.835,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.25788065791130066},{"word":"income","start":914.835,"end":915.235,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.23253010213375092},{"word":"protection","start":915.235,"end":915.735,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.17110304534435272},{"word":"policy","start":915.955,"end":916.455,"confidence":0.9494629,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.1664378046989441},{"word":"and","start":917.155,"end":917.395,"confidence":0.5185547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14823313057422638},{"word":"that","start":917.395,"end":917.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15917924046516418},{"word":"will","start":917.635,"end":917.955,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17419962584972382},{"word":"pay","start":917.955,"end":918.355,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.17845842242240906},{"word":"you","start":918.355,"end":918.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1770184338092804},{"word":"a","start":918.755,"end":919.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1708715260028839},{"word":"monthly","start":919.155,"end":919.655,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.15325430035591123},{"word":"amount","start":919.715,"end":920.215,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.1873585879802704},{"word":"of","start":920.355,"end":920.59503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18516573309898376},{"word":"$7,631","start":920.59503,"end":923.715,"confidence":0.9997907,"punctuated_word":"$7,631","sentiment":"neutral","sentiment_score":0.14586716890335083},{"word":"per","start":923.715,"end":923.955,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.12054900825023653},{"word":"month","start":923.955,"end":924.455,"confidence":0.9914551,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.16181954741477966},{"word":"which","start":924.69995,"end":924.94,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20089438557624817},{"word":"pretty","start":924.94,"end":925.01996,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.22033776342868805},{"word":"much","start":925.01996,"end":925.42,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.25046274065971375},{"word":"adds","start":925.42,"end":925.66,"confidence":1.0,"punctuated_word":"adds","sentiment":"neutral","sentiment_score":0.21562784910202024},{"word":"up","start":925.66,"end":926.06,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1886538565158844},{"word":"very","start":926.06,"end":926.38,"confidence":0.9970703,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.23041932284832},{"word":"close","start":926.38,"end":926.77997,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.2224592566490173},{"word":"to","start":926.77997,"end":927.1,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23167194426059723},{"word":"the","start":927.1,"end":927.33997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2181485891342163},{"word":"income","start":927.33997,"end":927.74,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18312035501003265},{"word":"of","start":927.74,"end":927.98,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21258759498596191},{"word":"the","start":927.98,"end":928.22,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2039076536893845},{"word":"130","start":928.22,"end":929.36,"confidence":0.97143555,"punctuated_word":"130,","sentiment":"neutral","sentiment_score":0.18923139572143555},{"word":"which","start":930.06,"end":930.3,"confidence":0.52978516,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21393410861492157},{"word":"would","start":930.3,"end":930.54,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1950061172246933},{"word":"be","start":930.54,"end":930.69995,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19932690262794495},{"word":"about","start":930.69995,"end":931.18,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1457950919866562},{"word":"7,583","start":931.18,"end":933.25995,"confidence":0.98524696,"punctuated_word":"7,583.","sentiment":"neutral","sentiment_score":0.15427625179290771},{"word":"so","start":933.25995,"end":933.5,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28297531604766846},{"word":"pretty","start":933.5,"end":933.82,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3850615918636322},{"word":"spot","start":933.82,"end":934.13995,"confidence":0.99902344,"punctuated_word":"spot","sentiment":"neutral","sentiment_score":0.33225640654563904},{"word":"on","start":934.13995,"end":934.38,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2350241243839264},{"word":"with","start":934.38,"end":934.86,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3324340879917145},{"word":"the","start":934.86,"end":935.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2954033613204956},{"word":"monthly","start":935.1,"end":935.57996,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.2978077530860901},{"word":"benefit","start":935.57996,"end":936.06,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.27229201793670654},{"word":"amount","start":936.06,"end":936.56,"confidence":0.9916992,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.22769807279109955},{"word":"you","start":937.505,"end":937.905,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1798606961965561},{"word":"do","start":937.905,"end":938.145,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16007854044437408},{"word":"have","start":938.145,"end":938.305,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16112010180950165},{"word":"that","start":938.305,"end":938.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1981831043958664},{"word":"ninety","start":938.625,"end":938.945,"confidence":1.0,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.17719124257564545},{"word":"day","start":938.945,"end":939.185,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.14364388585090637},{"word":"waiting","start":939.185,"end":939.585,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.15584297478199005},{"word":"period","start":939.585,"end":939.985,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.12360744178295135},{"word":"and","start":939.985,"end":940.22504,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14452797174453735},{"word":"a","start":940.22504,"end":940.385,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15256774425506592},{"word":"two","start":940.385,"end":940.705,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.14424781501293182},{"word":"year","start":940.705,"end":941.025,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.12765580415725708},{"word":"benefit","start":941.025,"end":941.505,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1626800298690796},{"word":"period","start":941.505,"end":942.005,"confidence":0.9995117,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.15463131666183472},{"word":"do","start":942.545,"end":942.78503,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07348035275936127},{"word":"you","start":942.78503,"end":942.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10568097233772278},{"word":"have","start":942.945,"end":943.265,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10448617488145828},{"word":"any","start":943.265,"end":943.665,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08644169569015503},{"word":"questions","start":943.665,"end":943.985,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0742301344871521},{"word":"in","start":943.985,"end":944.145,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05306863412261009},{"word":"regards","start":944.145,"end":944.465,"confidence":0.9921875,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05137934163212776},{"word":"to","start":944.465,"end":944.625,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.066671222448349},{"word":"the","start":944.625,"end":944.78503,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09772277623414992},{"word":"income","start":944.78503,"end":945.105,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11418576538562776},{"word":"protection","start":945.105,"end":945.605,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0878501832485199},{"word":"or","start":945.985,"end":946.485,"confidence":0.8691406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08440754562616348},{"word":"wanting","start":946.945,"end":947.185,"confidence":0.45141602,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.0810462161898613},{"word":"to","start":947.185,"end":947.34503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10560420155525208},{"word":"make","start":947.34503,"end":947.505,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10424849390983582},{"word":"any","start":947.505,"end":947.745,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.127395361661911},{"word":"changes","start":947.745,"end":948.22504,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.05332958698272705},{"word":"or","start":948.22504,"end":948.465,"confidence":0.8691406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04413559287786484},{"word":"still","start":948.465,"end":948.705,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0626649409532547},{"word":"happy","start":948.705,"end":949.14,"confidence":0.99316406,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.11742857098579408},{"word":"with","start":951.22003,"end":951.46,"confidence":0.9716797,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11677157878875732},{"word":"that","start":951.46,"end":951.62,"confidence":0.9562988,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.09544044733047484},{"word":"yep","start":951.62,"end":952.12,"confidence":0.7348633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03996967524290085},{"word":"yes","start":952.74,"end":953.24,"confidence":0.7475586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09736543148756029},{"word":"yep","start":953.54004,"end":953.86,"confidence":0.85375977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14772622287273407},{"word":"beautiful","start":953.86,"end":954.36,"confidence":0.99609375,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4078400135040283},{"word":"now","start":955.38,"end":955.62,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2187462747097015},{"word":"you","start":955.62,"end":955.86,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19297119975090027},{"word":"have","start":955.86,"end":956.10004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1650838702917099},{"word":"all","start":956.10004,"end":956.34,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1850845962762833},{"word":"those","start":956.34,"end":956.58,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2440001368522644},{"word":"three","start":956.58,"end":956.9,"confidence":0.9970703,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.15334640443325043},{"word":"structured","start":956.9,"end":957.4,"confidence":0.984375,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":0.17117053270339966},{"word":"from","start":957.46,"end":957.78,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17940418422222135},{"word":"within","start":957.78,"end":958.28,"confidence":0.9941406,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.19443657994270325},{"word":"superannuation","start":958.42004,"end":958.92004,"confidence":0.9875488,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.19984343647956848},{"word":"you","start":960.10004,"end":960.34,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2085438221693039},{"word":"do","start":960.34,"end":960.42004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18720561265945437},{"word":"get","start":960.42004,"end":960.66003,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2402849942445755},{"word":"a","start":960.66003,"end":960.82,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2286062240600586},{"word":"15%","start":960.82,"end":961.78,"confidence":1.0,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.2377670854330063},{"word":"tax","start":961.78,"end":962.235,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.20354318618774417},{"word":"rebate","start":962.555,"end":963.055,"confidence":0.9172363,"punctuated_word":"rebate,","sentiment":"neutral","sentiment_score":0.1678965389728546},{"word":"and","start":963.675,"end":963.915,"confidence":0.87597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1685308814048767},{"word":"the","start":963.915,"end":964.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1830986440181732},{"word":"premium","start":964.075,"end":964.575,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.12308730185031892},{"word":"for","start":965.035,"end":965.27496,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15300039947032928},{"word":"those","start":965.27496,"end":965.595,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.14040908217430115},{"word":"three","start":965.595,"end":965.995,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.11219578981399536},{"word":"is","start":965.995,"end":966.315,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12742920219898224},{"word":"6,595","start":966.315,"end":968.735,"confidence":0.999442,"punctuated_word":"6,595.","sentiment":"neutral","sentiment_score":0.0927492305636406},{"word":"so","start":969.27496,"end":969.515,"confidence":0.9499512,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0066880881786346436},{"word":"obviously","start":969.515,"end":969.915,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.029660005122423172},{"word":"the","start":969.915,"end":970.075,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030494578182697296},{"word":"insurances","start":970.075,"end":970.575,"confidence":0.92163086,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.12639853358268738},{"word":"does","start":970.635,"end":970.875,"confidence":0.96972656,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.1126205399632454},{"word":"get","start":970.875,"end":971.195,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1378474086523056},{"word":"more","start":971.195,"end":971.695,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.15061303973197937},{"word":"more","start":971.83496,"end":971.995,"confidence":0.9716797,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.14750346541404724},{"word":"expensive","start":971.995,"end":972.495,"confidence":0.99902344,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.07466404885053635},{"word":"the","start":972.635,"end":972.875,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15247806906700134},{"word":"older","start":972.875,"end":973.27496,"confidence":0.9941406,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.1392858326435089},{"word":"you","start":973.27496,"end":973.515,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11843137443065643},{"word":"get","start":973.515,"end":974.015,"confidence":0.99560547,"punctuated_word":"get.","sentiment":"neutral","sentiment_score":-0.10954126715660097},{"word":"you're","start":974.875,"end":975.035,"confidence":0.8852539,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2069273591041565},{"word":"still","start":975.035,"end":975.355,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1747763454914093},{"word":"happy","start":975.355,"end":975.755,"confidence":0.99609375,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.31776684522628784},{"word":"with","start":975.755,"end":976.255,"confidence":0.96777344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4147835075855255},{"word":"all","start":976.48,"end":976.72003,"confidence":0.7138672,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4030575752258301},{"word":"your","start":976.72003,"end":976.88,"confidence":0.9580078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2827220559120178},{"word":"insurances","start":976.88,"end":977.38,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.3101738691329956},{"word":"and","start":977.44,"end":977.60004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29730892181396484},{"word":"everything","start":977.60004,"end":978.10004,"confidence":0.9812012,"punctuated_word":"everything?","sentiment":"neutral","sentiment_score":0.2516266703605652},{"word":"yep","start":980.08,"end":980.4,"confidence":0.9855957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10267767310142516},{"word":"okay","start":980.4,"end":980.72003,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.22094032168388367},{"word":"beautiful","start":980.72003,"end":981.22003,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.08033671975135803},{"word":"now","start":981.60004,"end":982.08,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.030836384743452072},{"word":"next","start":982.08,"end":982.4,"confidence":0.9921875,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01792140305042267},{"word":"document","start":982.4,"end":982.9,"confidence":0.99121094,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.0344783179461956},{"word":"for","start":983.2,"end":983.44,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03940170258283615},{"word":"me","start":983.44,"end":983.68,"confidence":0.99853516,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.04273134469985962},{"word":"richard","start":983.68,"end":984.18,"confidence":0.9980469,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.0328594371676445},{"word":"should","start":984.32,"end":984.64,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.05015568435192108},{"word":"be","start":984.64,"end":985.14,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04790275916457176},{"word":"a","start":985.2,"end":985.7,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05583155155181885},{"word":"performance","start":986.72003,"end":987.22003,"confidence":0.94189453,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.03415822982788086},{"word":"report","start":987.52,"end":987.92,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.05184356123209},{"word":"with","start":987.92,"end":988.24,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04729967936873436},{"word":"net","start":988.24,"end":988.545,"confidence":0.7470703,"punctuated_word":"Net","sentiment":"neutral","sentiment_score":0.030209604650735855},{"word":"wealth","start":990.545,"end":991.045,"confidence":0.8198242,"punctuated_word":"Wealth.","sentiment":"neutral","sentiment_score":0.03197963535785675},{"word":"yep","start":991.825,"end":992.325,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05935482308268547},{"word":"now","start":992.785,"end":993.185,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06011084467172623},{"word":"you","start":993.185,"end":993.425,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0768972635269165},{"word":"have","start":993.425,"end":993.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06874145567417145},{"word":"two","start":993.745,"end":994.225,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04818582534790039},{"word":"added","start":994.225,"end":994.625,"confidence":0.9980469,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.06223471835255623},{"word":"there","start":994.625,"end":995.02496,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06971675157546997},{"word":"for","start":995.02496,"end":995.26495,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0646449625492096},{"word":"you","start":995.26495,"end":995.505,"confidence":0.951416,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05515618622303009},{"word":"so","start":995.505,"end":995.90497,"confidence":0.9716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04235066473484039},{"word":"one","start":995.90497,"end":996.14496,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.031840767711400986},{"word":"is","start":996.14496,"end":996.46497,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03891434893012047},{"word":"twelve","start":996.46497,"end":996.865,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.040132615715265274},{"word":"months","start":996.865,"end":997.26495,"confidence":0.75146484,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.0447021946310997},{"word":"and","start":997.26495,"end":997.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037643931806087494},{"word":"one","start":997.505,"end":997.825,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.034944601356983185},{"word":"is","start":997.825,"end":998.325,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030712490901350975},{"word":"three","start":998.385,"end":998.625,"confidence":0.99609375,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0247381329536438},{"word":"months","start":998.625,"end":999.125,"confidence":0.8327637,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.033551327884197235},{"word":"and","start":999.505,"end":999.745,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04683387652039528},{"word":"that","start":999.745,"end":999.90497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05194181203842163},{"word":"is","start":999.90497,"end":1000.065,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.047593846917152405},{"word":"just","start":1000.065,"end":1000.385,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.049290187656879425},{"word":"to","start":1000.385,"end":1000.59,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05130540952086449},{"word":"show","start":1000.67004,"end":1001.07,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.03629906103014946},{"word":"the","start":1001.07,"end":1001.23004,"confidence":0.90527344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06143143028020859},{"word":"change","start":1001.23004,"end":1001.71,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.07205324620008469},{"word":"that","start":1001.71,"end":1001.95,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07793126255273819},{"word":"we","start":1001.95,"end":1002.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07065105438232422},{"word":"did","start":1002.27,"end":1002.59,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05743749439716339},{"word":"make","start":1002.59,"end":1002.91003,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07924477756023407},{"word":"to","start":1002.91003,"end":1003.07,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04984303563833237},{"word":"one","start":1003.07,"end":1003.23004,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03266283869743347},{"word":"of","start":1003.23004,"end":1003.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05055913329124451},{"word":"your","start":1003.39,"end":1003.71,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05556829273700714},{"word":"investments","start":1003.71,"end":1004.21,"confidence":0.99072266,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.019221529364585876},{"word":"so","start":1004.83,"end":1004.99005,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018896812573075294},{"word":"i'm","start":1004.99005,"end":1005.15,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.001055275439284742},{"word":"not","start":1005.15,"end":1005.39,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.008133335039019585},{"word":"sure","start":1005.39,"end":1005.63,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.02316088415682316},{"word":"if","start":1005.63,"end":1005.87006,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012319724075496197},{"word":"you","start":1005.87006,"end":1006.11005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04978788644075394},{"word":"remember","start":1006.11005,"end":1006.61005,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.037882231175899506},{"word":"receiving","start":1006.67004,"end":1007.07,"confidence":1.0,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":-0.03826090320944786},{"word":"an","start":1007.07,"end":1007.23004,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03445203974843025},{"word":"email","start":1007.23004,"end":1007.63,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.006980344653129578},{"word":"from","start":1007.63,"end":1007.87006,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.016858769580721855},{"word":"us","start":1007.87006,"end":1008.37006,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.001050436869263649},{"word":"back","start":1008.59,"end":1008.75,"confidence":0.9819336,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0014584548771381378},{"word":"in","start":1008.75,"end":1009.07,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.008649086579680443},{"word":"march","start":1009.07,"end":1009.57,"confidence":1.0,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.012763291597366331},{"word":"in","start":1010.11005,"end":1010.35004,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.028190549463033676},{"word":"regards","start":1010.35004,"end":1010.75,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.02469484321773052},{"word":"to","start":1010.75,"end":1010.99005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0027664154767990112},{"word":"changing","start":1010.99005,"end":1011.47003,"confidence":0.9741211,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.001480216160416603},{"word":"one","start":1011.47003,"end":1011.71,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.01834692806005478},{"word":"of","start":1011.71,"end":1011.87006,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013281319290399551},{"word":"the","start":1011.87006,"end":1012.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020782293751835823},{"word":"investments","start":1012.03,"end":1012.53,"confidence":0.7211914,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.023335907608270645},{"word":"for","start":1012.605,"end":1012.845,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.018308129161596295},{"word":"you","start":1012.845,"end":1013.345,"confidence":0.9453125,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.01287288311868906},{"word":"it","start":1013.485,"end":1013.725,"confidence":0.7661133,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04591432958841324},{"word":"was","start":1013.725,"end":1013.96497,"confidence":0.40307617,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04110279306769371},{"word":"yep","start":1015.64496,"end":1016.125,"confidence":0.8718262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19132713973522184},{"word":"perfect","start":1016.125,"end":1016.625,"confidence":0.9020996,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4573094844818115},{"word":"so","start":1016.76495,"end":1017.005,"confidence":0.95947266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29065531492233276},{"word":"if","start":1017.005,"end":1017.165,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.31030428409576416},{"word":"you","start":1017.165,"end":1017.32495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3185504078865051},{"word":"look","start":1017.32495,"end":1017.565,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.34487247467041016},{"word":"at","start":1017.565,"end":1017.725,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3395351767539978},{"word":"the","start":1017.725,"end":1017.885,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24025742709636688},{"word":"twelve","start":1017.885,"end":1018.285,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.2021055668592453},{"word":"month","start":1018.285,"end":1018.685,"confidence":0.84228516,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.1973820328712463},{"word":"report","start":1018.685,"end":1019.185,"confidence":0.98291016,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.2470291554927826},{"word":"first","start":1019.40497,"end":1019.90497,"confidence":0.8137207,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.2827235460281372},{"word":"it","start":1020.285,"end":1020.365,"confidence":0.7651367,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33942073583602905},{"word":"should","start":1020.365,"end":1020.605,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3038525879383087},{"word":"be","start":1020.605,"end":1020.76495,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.266223669052124},{"word":"the","start":1020.76495,"end":1020.925,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2276410162448883},{"word":"first","start":1020.925,"end":1021.165,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.2047508955001831},{"word":"one","start":1021.165,"end":1021.665,"confidence":0.8156738,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.24168330430984497},{"word":"the","start":1022.925,"end":1023.165,"confidence":0.9580078,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20764461159706116},{"word":"one","start":1023.165,"end":1023.40497,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.20702557265758512},{"word":"that","start":1023.40497,"end":1023.725,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23385708034038544},{"word":"we","start":1023.725,"end":1023.96497,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2954723834991455},{"word":"did","start":1023.96497,"end":1024.445,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.29128992557525635},{"word":"change","start":1024.445,"end":1024.845,"confidence":0.98291016,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.27581799030303955},{"word":"for","start":1024.845,"end":1025.085,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27861034870147705},{"word":"you","start":1025.085,"end":1025.165,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2661428451538086},{"word":"so","start":1025.405,"end":1025.725,"confidence":0.6640625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.28159624338150024},{"word":"the","start":1025.725,"end":1025.885,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28244689106941223},{"word":"investment","start":1025.885,"end":1026.365,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14203687012195587},{"word":"committee","start":1026.365,"end":1026.845,"confidence":0.96875,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.19974447786808017},{"word":"does","start":1026.845,"end":1027.05,"confidence":0.8769531,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1958090364933014},{"word":"a","start":1027.13,"end":1027.29,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25996747612953186},{"word":"lot","start":1027.29,"end":1027.4501,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1809038668870926},{"word":"of","start":1027.4501,"end":1027.53,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2051633596420288},{"word":"research","start":1027.53,"end":1027.93,"confidence":0.79052734,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.15582314133644104},{"word":"obviously","start":1027.93,"end":1028.25,"confidence":0.9970703,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1855535060167313},{"word":"on","start":1028.25,"end":1028.41,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13135087490081787},{"word":"all","start":1028.41,"end":1028.5701,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1207619458436966},{"word":"the","start":1028.5701,"end":1028.7301,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0977991819381714},{"word":"investments","start":1028.7301,"end":1029.2101,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.018193412572145466},{"word":"all","start":1029.2101,"end":1029.37,"confidence":0.97998047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05522502213716507},{"word":"the","start":1029.37,"end":1029.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07651014626026154},{"word":"time","start":1029.53,"end":1030.03,"confidence":0.9506836,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.09687940776348114},{"word":"and","start":1030.49,"end":1030.7301,"confidence":0.64404297,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08431201428174973},{"word":"if","start":1030.7301,"end":1030.9701,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07923948764801025},{"word":"there","start":1030.9701,"end":1031.13,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02156219631433487},{"word":"is","start":1031.13,"end":1031.37,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.012564219534397124},{"word":"an","start":1031.37,"end":1031.53,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.004011295735836029},{"word":"investment","start":1031.53,"end":1032.01,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.03426150977611542},{"word":"that","start":1032.01,"end":1032.17,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06881257891654968},{"word":"is","start":1032.17,"end":1032.3301,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08087144047021866},{"word":"slightly","start":1032.3301,"end":1032.8301,"confidence":0.40795898,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.11168281733989716},{"word":"underperforming","start":1033.05,"end":1033.55,"confidence":0.9946289,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.0968860313296318},{"word":"and","start":1033.93,"end":1034.17,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09701377153396606},{"word":"we","start":1034.17,"end":1034.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.037646710872650146},{"word":"foresee","start":1034.41,"end":1034.81,"confidence":0.9838867,"punctuated_word":"foresee","sentiment":"neutral","sentiment_score":-0.08769628405570984},{"word":"it","start":1034.81,"end":1034.9701,"confidence":0.68408203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08896806091070175},{"word":"not","start":1034.9701,"end":1035.13,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11842931061983109},{"word":"being","start":1035.13,"end":1035.37,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.05484722554683685},{"word":"the","start":1035.37,"end":1035.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05975689738988876},{"word":"best","start":1035.53,"end":1035.8501,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.0378398522734642},{"word":"investment","start":1035.8501,"end":1036.3501,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08067826181650162},{"word":"option","start":1036.41,"end":1036.81,"confidence":0.99609375,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.07595957815647125},{"word":"for","start":1036.81,"end":1036.9701,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.014891423285007477},{"word":"you","start":1036.9701,"end":1037.2101,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017756998538970947},{"word":"moving","start":1037.2101,"end":1037.6101,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.05150370299816131},{"word":"forward","start":1037.6101,"end":1038.1101,"confidence":0.99902344,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.03474487364292145},{"word":"we","start":1038.41,"end":1038.5701,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16658468544483185},{"word":"do","start":1038.5701,"end":1038.7301,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13432875275611875},{"word":"wanna","start":1038.7301,"end":1039.13,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2137163281440735},{"word":"take","start":1039.13,"end":1039.37,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1631494015455246},{"word":"that","start":1039.37,"end":1039.6101,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22101423144340515},{"word":"kind","start":1039.6101,"end":1039.77,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.18117552995681763},{"word":"of","start":1039.77,"end":1040.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1799934059381485},{"word":"proactive","start":1040.01,"end":1040.51,"confidence":1.0,"punctuated_word":"proactive","sentiment":"neutral","sentiment_score":0.1492324024438858},{"word":"approach","start":1040.7301,"end":1041.2301,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.14700759947299957},{"word":"in","start":1041.765,"end":1042.0851,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1440153419971466},{"word":"swapping","start":1042.0851,"end":1042.5651,"confidence":0.9892578,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.19759365916252136},{"word":"things","start":1042.5651,"end":1042.9651,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1857079565525055},{"word":"for","start":1042.9651,"end":1043.2051,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1831394135951996},{"word":"you","start":1043.2051,"end":1043.7051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16404443979263306},{"word":"and","start":1044.165,"end":1044.405,"confidence":0.81640625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12410549074411392},{"word":"making","start":1044.405,"end":1044.645,"confidence":0.9970703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.255219429731369},{"word":"sure","start":1044.645,"end":1044.805,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.28166142106056213},{"word":"that","start":1044.805,"end":1045.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2981351613998413},{"word":"your","start":1045.045,"end":1045.285,"confidence":0.73291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31132712960243225},{"word":"super","start":1045.285,"end":1045.605,"confidence":0.4807129,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5472972393035889},{"word":"and","start":1045.605,"end":1045.765,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23445947468280792},{"word":"everything","start":1045.765,"end":1046.165,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.32372453808784485},{"word":"continues","start":1046.165,"end":1046.645,"confidence":0.9980469,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.3034955859184265},{"word":"to","start":1046.645,"end":1046.805,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21290412545204165},{"word":"grow","start":1046.805,"end":1047.125,"confidence":0.9995117,"punctuated_word":"grow.","sentiment":"neutral","sentiment_score":0.1987721621990204},{"word":"that","start":1047.125,"end":1047.365,"confidence":0.8251953,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1188744381070137},{"word":"all","start":1047.365,"end":1047.4451,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10069343447685242},{"word":"make","start":1047.4451,"end":1047.685,"confidence":0.6791992,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0803774744272232},{"word":"sense","start":1047.685,"end":1048.185,"confidence":0.99853516,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07624515891075134},{"word":"yeah","start":1048.9651,"end":1049.285,"confidence":0.85375977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1059403195977211},{"word":"yeah","start":1049.285,"end":1049.605,"confidence":0.7038574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20847418904304504},{"word":"beautiful","start":1049.605,"end":1050.105,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4235906600952149},{"word":"so","start":1050.405,"end":1050.805,"confidence":0.80126953,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2001777291297913},{"word":"basically","start":1050.805,"end":1051.305,"confidence":0.99902344,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1450606733560562},{"word":"correct","start":1053.285,"end":1053.785,"confidence":0.861084,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.07484962046146393},{"word":"so","start":1053.925,"end":1054.3251,"confidence":0.8935547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.053599193692207336},{"word":"on","start":1054.3251,"end":1054.5651,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07434915751218796},{"word":"the","start":1054.5651,"end":1054.805,"confidence":0.79833984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07433237135410309},{"word":"twelve","start":1054.805,"end":1055.2051,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.10045155882835388},{"word":"month","start":1055.2051,"end":1055.525,"confidence":0.9980469,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.06897363811731339},{"word":"report","start":1055.525,"end":1056.005,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.08204353600740433},{"word":"here","start":1056.005,"end":1056.48,"confidence":0.9995117,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.07403725385665894},{"word":"you","start":1056.64,"end":1056.7999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07741838693618774},{"word":"can","start":1056.7999,"end":1056.96,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09149329364299774},{"word":"see","start":1056.96,"end":1057.2,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11924698948860168},{"word":"that","start":1057.2,"end":1057.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05955438315868378},{"word":"there","start":1057.44,"end":1057.6,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.050289690494537354},{"word":"was","start":1057.6,"end":1057.76,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03673876076936722},{"word":"only","start":1057.76,"end":1058.16,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.014565534889698029},{"word":"one","start":1058.16,"end":1058.5599,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.000890880823135376},{"word":"investment","start":1058.5599,"end":1059.0599,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0033159926533699036},{"word":"that","start":1059.28,"end":1059.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04806074872612953},{"word":"was","start":1059.52,"end":1059.9199,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08104728907346725},{"word":"underperforming","start":1059.9199,"end":1060.4199,"confidence":0.99658203,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.016361882910132408},{"word":"or","start":1060.7999,"end":1060.96,"confidence":0.5830078,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.056735824793577194},{"word":"was","start":1060.96,"end":1061.2,"confidence":0.96777344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04801179468631744},{"word":"down","start":1061.2,"end":1061.6,"confidence":0.98706055,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.00004106387495994568},{"word":"everything","start":1061.6,"end":1061.9199,"confidence":1.0,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.1848199963569641},{"word":"else","start":1061.9199,"end":1062.24,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.1672188937664032},{"word":"was","start":1062.24,"end":1062.48,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16962942481040957},{"word":"doing","start":1062.48,"end":1062.72,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2540249228477478},{"word":"good","start":1062.72,"end":1063.22,"confidence":0.939209,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.23640897870063785},{"word":"and","start":1063.36,"end":1063.6,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16485324501991272},{"word":"that","start":1063.6,"end":1063.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1596110761165619},{"word":"was","start":1063.84,"end":1064.08,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13039878010749817},{"word":"the","start":1064.08,"end":1064.24,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13477443158626556},{"word":"benelong","start":1064.24,"end":1064.74,"confidence":0.7246094,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.13229608535766602},{"word":"australian","start":1064.7999,"end":1065.2999,"confidence":0.9902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.11749082803726196},{"word":"equity","start":1065.44,"end":1065.84,"confidence":0.5029297,"punctuated_word":"Equity","sentiment":"neutral","sentiment_score":0.06189080327749252},{"word":"investment","start":1065.84,"end":1066.34,"confidence":0.6726074,"punctuated_word":"Investment,","sentiment":"neutral","sentiment_score":0.03206999599933624},{"word":"so","start":1067.6799,"end":1067.9199,"confidence":0.55078125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06499910354614258},{"word":"which","start":1068.0,"end":1068.24,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08786706626415253},{"word":"is","start":1068.24,"end":1068.4,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08245407044887543},{"word":"the","start":1068.4,"end":1068.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0856756865978241},{"word":"one","start":1068.48,"end":1068.72,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09373371303081512},{"word":"we","start":1068.72,"end":1068.975,"confidence":0.93115234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12637442350387573},{"word":"changed","start":1069.135,"end":1069.455,"confidence":0.9980469,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.1069101095199585},{"word":"for","start":1069.455,"end":1069.695,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13376805186271667},{"word":"you","start":1069.695,"end":1070.195,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0964050441980362},{"word":"so","start":1070.735,"end":1070.975,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1332419365644455},{"word":"then","start":1070.975,"end":1071.475,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16080522537231445},{"word":"on","start":1071.535,"end":1072.035,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20447397232055664},{"word":"the","start":1072.1749,"end":1072.6749,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18717795610427856},{"word":"next","start":1073.375,"end":1073.695,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1497976928949356},{"word":"document","start":1073.695,"end":1074.195,"confidence":0.9580078,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.14981873333454132},{"word":"the","start":1074.335,"end":1074.735,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1683601588010788},{"word":"three","start":1074.735,"end":1074.975,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.12790507078170776},{"word":"month","start":1074.975,"end":1075.375,"confidence":0.8588867,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.07649992406368256},{"word":"period","start":1075.375,"end":1075.855,"confidence":0.9880371,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.09832100570201874},{"word":"you","start":1075.855,"end":1076.095,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1033719927072525},{"word":"can","start":1076.095,"end":1076.335,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11592353880405426},{"word":"then","start":1076.335,"end":1076.655,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11236754059791564},{"word":"kind","start":1076.655,"end":1076.895,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09758250415325163},{"word":"of","start":1076.895,"end":1077.135,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12067613005638124},{"word":"see","start":1077.135,"end":1077.635,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12058098614215852},{"word":"the","start":1078.095,"end":1078.335,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10803050547838212},{"word":"change","start":1078.335,"end":1078.815,"confidence":0.8635254,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.12777046859264374},{"word":"and","start":1078.815,"end":1078.975,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13910740613937378},{"word":"you","start":1078.975,"end":1079.135,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.134382963180542},{"word":"can","start":1079.135,"end":1079.455,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1351509690284729},{"word":"see","start":1079.455,"end":1079.775,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14006377756595612},{"word":"that","start":1079.775,"end":1080.1749,"confidence":0.96435547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13428926467895508},{"word":"when","start":1080.1749,"end":1080.495,"confidence":0.6689453,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1513642966747284},{"word":"having","start":1080.495,"end":1080.735,"confidence":0.97265625,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.15132829546928406},{"word":"a","start":1080.735,"end":1080.99,"confidence":0.91748047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13610026240348816},{"word":"look","start":1081.07,"end":1081.15,"confidence":0.98828125,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11934759467840196},{"word":"at","start":1081.15,"end":1081.3099,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10743386298418044},{"word":"that","start":1081.3099,"end":1081.47,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1155402809381485},{"word":"one","start":1081.47,"end":1081.97,"confidence":0.9069824,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.09052128344774246},{"word":"you","start":1082.03,"end":1082.27,"confidence":0.93603516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11827898025512695},{"word":"no","start":1082.27,"end":1082.51,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06289716064929962},{"word":"longer","start":1082.51,"end":1082.83,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.044291552156209946},{"word":"had","start":1082.83,"end":1082.99,"confidence":0.9707031,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.059245772659778595},{"word":"the","start":1082.99,"end":1083.07,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08519299328327179},{"word":"benelung","start":1083.07,"end":1083.57,"confidence":0.80875653,"punctuated_word":"Benelung","sentiment":"neutral","sentiment_score":0.06949831545352936},{"word":"investment","start":1083.63,"end":1084.13,"confidence":0.71203613,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.05319109931588173},{"word":"and","start":1084.27,"end":1084.51,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09600570797920228},{"word":"instead","start":1084.51,"end":1085.01,"confidence":0.7504883,"punctuated_word":"instead,","sentiment":"neutral","sentiment_score":0.13567911088466644},{"word":"you","start":1085.07,"end":1085.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2437620759010315},{"word":"had","start":1085.23,"end":1085.47,"confidence":0.91748047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1952189952135086},{"word":"that","start":1085.47,"end":1085.71,"confidence":0.8935547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27601179480552673},{"word":"substitute","start":1085.71,"end":1086.21,"confidence":1.0,"punctuated_word":"substitute","sentiment":"neutral","sentiment_score":0.2871646285057068},{"word":"of","start":1086.27,"end":1086.4299,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26825612783432007},{"word":"the","start":1086.4299,"end":1086.67,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2802952527999878},{"word":"betashares","start":1086.67,"end":1087.17,"confidence":0.9057617,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.22673583030700684},{"word":"australia","start":1087.39,"end":1087.89,"confidence":0.99902344,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.24180448055267337},{"word":"two","start":1088.03,"end":1088.27,"confidence":0.9589844,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.20797359943389893},{"word":"100","start":1088.27,"end":1088.77,"confidence":0.9770508,"punctuated_word":"100,","sentiment":"neutral","sentiment_score":0.2625120282173157},{"word":"which","start":1089.71,"end":1089.95,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.32101136445999146},{"word":"is","start":1089.95,"end":1090.19,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.33070480823516846},{"word":"positive","start":1090.19,"end":1090.59,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.4305731058120727},{"word":"and","start":1090.59,"end":1090.83,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34367990493774414},{"word":"going","start":1090.83,"end":1091.07,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4786995947360992},{"word":"up","start":1091.07,"end":1091.3099,"confidence":0.9914551,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.4257340431213379},{"word":"which","start":1091.3099,"end":1091.55,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4640730619430542},{"word":"is","start":1091.55,"end":1091.71,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5129054188728333},{"word":"good","start":1091.71,"end":1092.21,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3884194791316986},{"word":"yep","start":1094.11,"end":1094.51,"confidence":0.9436035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04736144840717316},{"word":"any","start":1094.51,"end":1094.75,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.04015360772609711},{"word":"questions","start":1094.75,"end":1095.23,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.025946054607629776},{"word":"in","start":1095.23,"end":1095.39,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01840727962553501},{"word":"regards","start":1095.39,"end":1095.79,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.019069630652666092},{"word":"to","start":1095.79,"end":1095.95,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023483935743570328},{"word":"any","start":1095.95,"end":1096.19,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03573524206876755},{"word":"of","start":1096.19,"end":1096.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026827331632375717},{"word":"that","start":1096.27,"end":1096.755,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.0405401811003685},{"word":"well","start":1096.835,"end":1096.915,"confidence":0.8835449,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.13082477450370789},{"word":"that's","start":1096.915,"end":1097.155,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.19108717143535617},{"word":"pretty","start":1097.155,"end":1097.555,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2308594286441803},{"word":"straightforward","start":1097.555,"end":1098.055,"confidence":0.9995117,"punctuated_word":"straightforward.","sentiment":"neutral","sentiment_score":0.2194015085697174},{"word":"makes","start":1100.835,"end":1101.155,"confidence":0.9003906,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.03134813904762268},{"word":"sense","start":1101.155,"end":1101.655,"confidence":0.9658203,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.022685764357447624},{"word":"yeah","start":1102.435,"end":1102.935,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03144156560301781},{"word":"no","start":1103.235,"end":1103.475,"confidence":0.98291016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.015511658042669296},{"word":"that's","start":1103.475,"end":1103.795,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13894513249397278},{"word":"all","start":1103.795,"end":1104.115,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24399185180664065},{"word":"good","start":1104.115,"end":1104.595,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1094757616519928},{"word":"essentially","start":1104.595,"end":1105.095,"confidence":0.9995117,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.07766187191009521},{"word":"we","start":1105.235,"end":1105.475,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1280054748058319},{"word":"just","start":1105.475,"end":1105.795,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10791276395320892},{"word":"take","start":1105.795,"end":1106.035,"confidence":0.6201172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1768636405467987},{"word":"that","start":1106.035,"end":1106.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09548794478178024},{"word":"one","start":1106.275,"end":1106.515,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05885990709066391},{"word":"investment","start":1106.515,"end":1106.915,"confidence":0.9267578,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.04433644190430641},{"word":"and","start":1106.915,"end":1107.075,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04899447411298752},{"word":"that","start":1107.075,"end":1107.235,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09386541694402696},{"word":"was","start":1107.235,"end":1107.475,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06420274078845978},{"word":"one","start":1107.475,"end":1107.715,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06741039454936981},{"word":"australian","start":1107.715,"end":1108.215,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.06613396853208542},{"word":"investment","start":1108.275,"end":1108.775,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04210660979151726},{"word":"for","start":1108.835,"end":1109.075,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04634532332420349},{"word":"another","start":1109.075,"end":1109.555,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.045459434390068054},{"word":"australian","start":1109.555,"end":1110.055,"confidence":1.0,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.046099286526441574},{"word":"investment","start":1110.115,"end":1110.615,"confidence":0.9995117,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.0642266646027565},{"word":"the","start":1111.91,"end":1112.15,"confidence":0.97509766,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4636252522468567},{"word":"beta","start":1112.15,"end":1112.63,"confidence":0.88134766,"punctuated_word":"beta","sentiment":"positive","sentiment_score":0.5534197688102722},{"word":"share","start":1112.63,"end":1112.95,"confidence":0.99902344,"punctuated_word":"share","sentiment":"positive","sentiment_score":0.5420860648155212},{"word":"is","start":1112.95,"end":1113.19,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5039397478103638},{"word":"performing","start":1113.19,"end":1113.59,"confidence":1.0,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.5305756330490112},{"word":"a","start":1113.59,"end":1113.67,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5481913089752197},{"word":"bit","start":1113.67,"end":1113.91,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3167512118816376},{"word":"better","start":1113.91,"end":1114.39,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3839671015739441},{"word":"than","start":1114.39,"end":1114.71,"confidence":0.9375,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.41210177540779114},{"word":"the","start":1114.71,"end":1114.87,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5585153102874756},{"word":"bennelong","start":1114.87,"end":1115.35,"confidence":0.8208008,"punctuated_word":"Bennelong,","sentiment":"positive","sentiment_score":0.4305973351001739},{"word":"which","start":1115.35,"end":1115.51,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6362270712852478},{"word":"is","start":1115.51,"end":1115.67,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7270662784576416},{"word":"great","start":1115.67,"end":1115.91,"confidence":0.9941406,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6873126029968262},{"word":"it's","start":1115.91,"end":1116.15,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5623867511749268},{"word":"a","start":1116.15,"end":1116.23,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5355000495910645},{"word":"little","start":1116.23,"end":1116.39,"confidence":0.99902344,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3730144202709198},{"word":"bit","start":1116.39,"end":1116.63,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3708953857421875},{"word":"cheaper","start":1116.63,"end":1117.11,"confidence":0.9980469,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.48122426867485046},{"word":"as","start":1117.11,"end":1117.27,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5180980563163757},{"word":"well","start":1117.27,"end":1117.59,"confidence":0.99609375,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.5384295582771301},{"word":"which","start":1117.59,"end":1117.91,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5915626287460327},{"word":"again","start":1117.91,"end":1118.23,"confidence":0.5620117,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.4975665211677551},{"word":"is","start":1118.23,"end":1118.39,"confidence":0.9526367,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7042960524559021},{"word":"good","start":1118.39,"end":1118.89,"confidence":0.81274414,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.07150904834270477},{"word":"and","start":1119.4299,"end":1119.83,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08179433643817902},{"word":"it","start":1119.83,"end":1120.07,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12231991440057756},{"word":"is","start":1120.07,"end":1120.3099,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11151637136936188},{"word":"more","start":1120.3099,"end":1120.71,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1008208617568016},{"word":"diversified","start":1120.71,"end":1121.21,"confidence":1.0,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.1353781819343567},{"word":"in","start":1121.75,"end":1121.99,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18320682644844055},{"word":"that","start":1121.99,"end":1122.39,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18894392251968384},{"word":"the","start":1122.39,"end":1122.5499,"confidence":0.90478516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18436607718467712},{"word":"bennelong","start":1122.5499,"end":1123.0499,"confidence":0.8458659,"punctuated_word":"Bennelong,","sentiment":"neutral","sentiment_score":0.11715680360794067},{"word":"so","start":1123.19,"end":1123.35,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12601757049560547},{"word":"your","start":1123.35,"end":1123.59,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15570908784866333},{"word":"old","start":1123.59,"end":1123.83,"confidence":0.99609375,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.03611879050731659},{"word":"investment","start":1123.83,"end":1124.33,"confidence":0.8198242,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.022063326090574265},{"word":"was","start":1124.79,"end":1125.11,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04103735089302063},{"word":"kind","start":1125.11,"end":1125.27,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07452362775802612},{"word":"of","start":1125.27,"end":1125.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06844745576381683},{"word":"focusing","start":1125.51,"end":1126.01,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.05399033799767494},{"word":"on","start":1126.15,"end":1126.635,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14015233516693115},{"word":"actively","start":1126.795,"end":1127.115,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.21874523162841797},{"word":"buying","start":1127.115,"end":1127.515,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.1922827959060669},{"word":"and","start":1127.515,"end":1127.755,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1453799605369568},{"word":"selling","start":1127.755,"end":1128.235,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.1948318183422089},{"word":"investments","start":1128.235,"end":1128.735,"confidence":0.9941406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.09638946503400804},{"word":"to","start":1128.875,"end":1129.115,"confidence":0.8798828,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1350259780883789},{"word":"try","start":1129.115,"end":1129.275,"confidence":0.7573242,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2035754919052124},{"word":"to","start":1129.275,"end":1129.435,"confidence":0.7583008,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19315388798713684},{"word":"outperform","start":1129.435,"end":1129.935,"confidence":0.99658203,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.22793148458004},{"word":"the","start":1130.075,"end":1130.235,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25692132115364075},{"word":"market","start":1130.235,"end":1130.735,"confidence":0.72924805,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.1824129819869995},{"word":"whereas","start":1132.075,"end":1132.575,"confidence":0.64404297,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.13056714832782745},{"word":"the","start":1132.635,"end":1132.715,"confidence":0.89208984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14635586738586426},{"word":"new","start":1132.715,"end":1132.955,"confidence":0.9980469,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1332777440547943},{"word":"one","start":1132.955,"end":1133.355,"confidence":0.97436523,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.09646390378475188},{"word":"it's","start":1133.355,"end":1133.595,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15146666765213013},{"word":"kind","start":1133.595,"end":1133.835,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12014293670654295},{"word":"of","start":1133.835,"end":1133.995,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14608418941497803},{"word":"tracking","start":1133.995,"end":1134.495,"confidence":0.9980469,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.16706977784633636},{"word":"the","start":1134.795,"end":1135.035,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14741134643554688},{"word":"200","start":1135.035,"end":1135.755,"confidence":0.99609375,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.16796568036079407},{"word":"largest","start":1135.755,"end":1136.155,"confidence":0.9951172,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.20603424310684204},{"word":"companies","start":1136.155,"end":1136.635,"confidence":0.9902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.15087291598320007},{"word":"in","start":1136.635,"end":1136.795,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1496075689792633},{"word":"australia","start":1136.795,"end":1137.295,"confidence":0.94262695,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.14006870985031128},{"word":"so","start":1137.675,"end":1137.995,"confidence":0.9038086,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1585521697998047},{"word":"very","start":1137.995,"end":1138.3151,"confidence":0.9892578,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2538982331752777},{"word":"diversified","start":1138.3151,"end":1138.8151,"confidence":0.82560223,"punctuated_word":"diversified,","sentiment":"neutral","sentiment_score":0.2445234507322311},{"word":"and","start":1139.035,"end":1139.1951,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2117922306060791},{"word":"if","start":1139.1951,"end":1139.355,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2391308695077896},{"word":"there","start":1139.355,"end":1139.515,"confidence":0.91845703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17160674929618835},{"word":"is","start":1139.515,"end":1139.675,"confidence":0.8496094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17196890711784363},{"word":"a","start":1139.675,"end":1139.755,"confidence":0.81933594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19580146670341492},{"word":"bit","start":1139.755,"end":1139.995,"confidence":0.9560547,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14823828637599945},{"word":"of","start":1139.995,"end":1140.36,"confidence":0.74560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18494880199432373},{"word":"to","start":1140.84,"end":1140.92,"confidence":0.35351562,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18481701612472537},{"word":"one","start":1140.92,"end":1141.24,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1387130171060562},{"word":"company","start":1141.24,"end":1141.74,"confidence":0.9951172,"punctuated_word":"company,","sentiment":"neutral","sentiment_score":0.07784993946552277},{"word":"it","start":1141.7999,"end":1141.96,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1499076634645462},{"word":"won't","start":1141.96,"end":1142.28,"confidence":0.99658203,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.1315152943134308},{"word":"impact","start":1142.28,"end":1142.76,"confidence":0.9941406,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.005168631672859192},{"word":"it","start":1142.76,"end":1143.0,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07769611477851868},{"word":"as","start":1143.0,"end":1143.16,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1396477371454239},{"word":"much","start":1143.16,"end":1143.66,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.12885528802871704},{"word":"because","start":1143.88,"end":1144.2,"confidence":0.8730469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1343870908021927},{"word":"you","start":1144.2,"end":1144.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2100703567266464},{"word":"do","start":1144.36,"end":1144.52,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21551479399204257},{"word":"have","start":1144.52,"end":1144.84,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2222878634929657},{"word":"200","start":1144.84,"end":1145.4,"confidence":0.99902344,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1617496758699417},{"word":"different","start":1145.4,"end":1145.72,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.11133316159248352},{"word":"companies","start":1145.72,"end":1146.22,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.100519061088562},{"word":"within","start":1146.28,"end":1146.6799,"confidence":0.99609375,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1923716366291046},{"word":"just","start":1146.6799,"end":1147.0,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15910518169403076},{"word":"the","start":1147.0,"end":1147.16,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11935068666934968},{"word":"one","start":1147.16,"end":1147.48,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09217951446771622},{"word":"investment","start":1147.48,"end":1147.98,"confidence":0.9980469,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.04497817158699035},{"word":"does","start":1148.6799,"end":1148.84,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05161013826727867},{"word":"that","start":1148.84,"end":1149.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10025666654109956},{"word":"kind","start":1149.08,"end":1149.32,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07747554033994675},{"word":"of","start":1149.32,"end":1149.48,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08585800975561142},{"word":"make","start":1149.48,"end":1149.72,"confidence":0.98095703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07241448760032654},{"word":"sense","start":1149.72,"end":1150.22,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07872626930475235},{"word":"yep","start":1151.08,"end":1151.4,"confidence":0.80615234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.169134259223938},{"word":"yep","start":1151.4,"end":1151.72,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30611222982406616},{"word":"beautiful","start":1151.72,"end":1152.22,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6413528919219971},{"word":"now","start":1153.08,"end":1153.58,"confidence":0.7270508,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.367643266916275},{"word":"the","start":1153.72,"end":1154.12,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25261059403419495},{"word":"next","start":1154.12,"end":1154.6,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.20798546075820923},{"word":"document","start":1154.6,"end":1155.1,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.19262295961380005},{"word":"for","start":1155.24,"end":1155.48,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21096593141555783},{"word":"me","start":1155.48,"end":1155.64,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2231895923614502},{"word":"there","start":1155.64,"end":1155.7999,"confidence":0.99316406,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.10777470469474792},{"word":"which","start":1155.7999,"end":1156.065,"confidence":0.52001953,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11028432846069336},{"word":"should","start":1156.225,"end":1156.5449,"confidence":0.984375,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1439831256866455},{"word":"should","start":1156.5449,"end":1156.865,"confidence":0.6850586,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.17077021300792694},{"word":"be","start":1156.865,"end":1157.1849,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1493009328842163},{"word":"your","start":1157.1849,"end":1157.5049,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14112670719623566},{"word":"certificate","start":1157.5049,"end":1157.985,"confidence":0.9980469,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.17862766981124878},{"word":"of","start":1157.985,"end":1158.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1484449803829193},{"word":"currency","start":1158.225,"end":1158.725,"confidence":0.77783203,"punctuated_word":"currency,","sentiment":"neutral","sentiment_score":0.14462006092071533},{"word":"or","start":1161.1849,"end":1161.5049,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1447257101535797},{"word":"it's","start":1161.5049,"end":1161.6649,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12412816286087036},{"word":"a","start":1161.6649,"end":1161.825,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1218641996383667},{"word":"vanguard","start":1161.825,"end":1162.325,"confidence":0.91259766,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.10292153060436247},{"word":"index","start":1162.3849,"end":1162.865,"confidence":0.96435547,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.13058799505233765},{"word":"charge","start":1162.865,"end":1163.365,"confidence":0.76464844,"punctuated_word":"charge.","sentiment":"neutral","sentiment_score":0.11742597073316574},{"word":"what","start":1164.5449,"end":1164.7849,"confidence":0.9980469,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.06448250263929367},{"word":"can","start":1164.7849,"end":1164.945,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07260975986719131},{"word":"you","start":1164.945,"end":1165.1849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07028606534004211},{"word":"see","start":1165.1849,"end":1165.6849,"confidence":0.99658203,"punctuated_word":"see?","sentiment":"neutral","sentiment_score":0.0921083316206932},{"word":"so","start":1168.225,"end":1168.3849,"confidence":0.80322266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1540282964706421},{"word":"it's","start":1168.3849,"end":1168.5449,"confidence":0.7858887,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17681878805160522},{"word":"probably","start":1168.5449,"end":1169.0249,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2309609353542328},{"word":"the","start":1169.0249,"end":1169.2649,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20347443222999573},{"word":"clearview","start":1169.2649,"end":1169.7649,"confidence":0.6894531,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.1993996948003769},{"word":"one","start":1169.9049,"end":1170.225,"confidence":0.6977539,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.21006996929645536},{"word":"for","start":1170.225,"end":1170.3849,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24671153724193573},{"word":"you","start":1170.3849,"end":1170.8849,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19124552607536316},{"word":"it","start":1171.0901,"end":1171.3301,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.20508870482444763},{"word":"basically","start":1171.3301,"end":1171.81,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.17180031538009644},{"word":"just","start":1171.81,"end":1172.05,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1715962439775467},{"word":"breaks","start":1172.05,"end":1172.29,"confidence":1.0,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.20389965176582336},{"word":"down","start":1172.29,"end":1172.6101,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.20016677677631375},{"word":"your","start":1172.6101,"end":1172.8501,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20484697818756104},{"word":"insurances","start":1172.8501,"end":1173.3501,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1773548722267151},{"word":"in","start":1173.4901,"end":1173.7301,"confidence":0.8935547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16825543344020844},{"word":"a","start":1173.7301,"end":1173.81,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1675618290901184},{"word":"bit","start":1173.81,"end":1174.05,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1309872418642044},{"word":"more","start":1174.05,"end":1174.37,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12226544320583344},{"word":"information","start":1174.37,"end":1174.87,"confidence":0.6890869,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.16595253348350525},{"word":"lets","start":1175.3301,"end":1175.5701,"confidence":0.8310547,"punctuated_word":"lets","sentiment":"neutral","sentiment_score":0.21586750447750092},{"word":"you","start":1175.5701,"end":1175.7301,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24552732706069944},{"word":"know","start":1175.7301,"end":1175.81,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.22278666496276855},{"word":"that's","start":1175.81,"end":1176.05,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.20736712217330933},{"word":"all","start":1176.05,"end":1176.2101,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.21860872209072113},{"word":"paid","start":1176.2101,"end":1176.4501,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.22996848821640015},{"word":"and","start":1176.4501,"end":1176.6101,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30413714051246643},{"word":"up","start":1176.6101,"end":1176.77,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.235720619559288},{"word":"to","start":1176.77,"end":1176.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2560649812221527},{"word":"date","start":1176.93,"end":1177.17,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.2447759509086609},{"word":"for","start":1177.17,"end":1177.3301,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24175521731376648},{"word":"you","start":1177.3301,"end":1177.8301,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17885321378707886},{"word":"yep","start":1178.93,"end":1179.3301,"confidence":0.96240234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2510424852371216},{"word":"beautiful","start":1179.3301,"end":1179.8301,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5247330665588379},{"word":"and","start":1179.89,"end":1180.05,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25809383392333984},{"word":"if","start":1180.05,"end":1180.2101,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21842193603515625},{"word":"you","start":1180.2101,"end":1180.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18813872337341309},{"word":"wanna","start":1180.29,"end":1180.6101,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17290210723876953},{"word":"click","start":1180.6101,"end":1180.8501,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.11467080563306808},{"word":"next","start":1180.8501,"end":1181.17,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1307627260684967},{"word":"for","start":1181.17,"end":1181.41,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1397233605384827},{"word":"me","start":1181.41,"end":1181.91,"confidence":0.85595703,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.13783539831638336},{"word":"yep","start":1185.3301,"end":1185.615,"confidence":0.892334,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05427892133593559},{"word":"yep","start":1186.495,"end":1186.995,"confidence":0.79052734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04773147404193878},{"word":"and","start":1187.0549,"end":1187.295,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025874828919768333},{"word":"what","start":1187.295,"end":1187.455,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.021744251251220703},{"word":"does","start":1187.455,"end":1187.615,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.023479215800762177},{"word":"it","start":1187.615,"end":1187.855,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03456072509288788},{"word":"say","start":1187.855,"end":1188.175,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.031371913850307465},{"word":"at","start":1188.175,"end":1188.335,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02933674678206444},{"word":"the","start":1188.335,"end":1188.415,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027480674907565117},{"word":"top","start":1188.415,"end":1188.735,"confidence":0.99560547,"punctuated_word":"top?","sentiment":"neutral","sentiment_score":0.030409445986151695},{"word":"is","start":1188.735,"end":1188.895,"confidence":0.9863281,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.015189317055046558},{"word":"that","start":1188.895,"end":1189.135,"confidence":0.94628906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06119207292795181},{"word":"pink","start":1189.135,"end":1189.535,"confidence":0.92333984,"punctuated_word":"pink","sentiment":"neutral","sentiment_score":0.04874396324157715},{"word":"and","start":1189.535,"end":1189.695,"confidence":0.83203125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028813639655709267},{"word":"says","start":1189.695,"end":1190.015,"confidence":0.8798828,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.02605459652841091},{"word":"clear","start":1190.015,"end":1190.255,"confidence":0.5488281,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.04386480152606964},{"word":"view","start":1190.255,"end":1190.755,"confidence":0.98535156,"punctuated_word":"view?","sentiment":"neutral","sentiment_score":0.05141185969114304},{"word":"okay","start":1198.735,"end":1199.135,"confidence":0.80810547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.052834995090961456},{"word":"yep","start":1199.135,"end":1199.375,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.055701397359371185},{"word":"so","start":1199.375,"end":1199.535,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.033556018024683},{"word":"you're","start":1199.535,"end":1199.695,"confidence":0.9526367,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.034276433289051056},{"word":"kind","start":1199.695,"end":1199.9349,"confidence":0.4885254,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03750985115766525},{"word":"of","start":1199.9349,"end":1200.015,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03491918742656708},{"word":"still","start":1200.015,"end":1200.255,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0294304508715868},{"word":"on","start":1200.255,"end":1200.335,"confidence":0.94628906,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03196534886956215},{"word":"that","start":1200.335,"end":1200.495,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04376182705163956},{"word":"report","start":1200.495,"end":1200.995,"confidence":0.79663086,"punctuated_word":"report,","sentiment":"neutral","sentiment_score":0.0375199019908905},{"word":"the","start":1201.295,"end":1201.455,"confidence":0.7866211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03064916469156742},{"word":"one","start":1201.455,"end":1201.56,"confidence":0.6010742,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0315217599272728},{"word":"we","start":1201.64,"end":1201.7201,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0293811559677124},{"word":"just","start":1201.7201,"end":1201.9601,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017807316035032272},{"word":"kinda","start":1201.9601,"end":1202.28,"confidence":0.5551758,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.007547119632363319},{"word":"went","start":1202.28,"end":1202.6001,"confidence":0.9970703,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.020229661837220192},{"word":"through","start":1202.6001,"end":1203.1001,"confidence":0.99316406,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.015947457402944565},{"word":"yes","start":1204.4401,"end":1204.76,"confidence":0.9921875,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.043006688356399536},{"word":"please","start":1204.76,"end":1205.26,"confidence":0.99902344,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.043006036430597305},{"word":"yes","start":1205.4,"end":1205.9,"confidence":0.99658203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03921546787023544},{"word":"yeah","start":1209.16,"end":1209.4801,"confidence":0.88500977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059708140790462494},{"word":"so","start":1209.4801,"end":1209.7201,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06955509632825851},{"word":"this","start":1209.7201,"end":1209.88,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07626944780349731},{"word":"is","start":1209.88,"end":1210.04,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06871519237756729},{"word":"the","start":1210.04,"end":1210.2001,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09324421733617784},{"word":"one","start":1210.2001,"end":1210.3601,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07754301279783249},{"word":"that","start":1210.3601,"end":1210.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08677785843610764},{"word":"shows","start":1210.76,"end":1211.16,"confidence":0.9790039,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.06904847919940948},{"word":"your","start":1211.16,"end":1211.4801,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07017945498228073},{"word":"insurances","start":1211.4801,"end":1211.9801,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.06434382498264313},{"word":"again","start":1212.1201,"end":1212.6201,"confidence":0.99121094,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.07475178688764572},{"word":"in","start":1213.0801,"end":1213.3201,"confidence":0.3947754,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09143033623695374},{"word":"more","start":1213.3201,"end":1213.575,"confidence":0.9902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06987173855304718},{"word":"information","start":1214.0549,"end":1214.5549,"confidence":0.99853516,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.05640125274658203},{"word":"now","start":1216.855,"end":1217.095,"confidence":0.94628906,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.059293992817401886},{"word":"if","start":1217.095,"end":1217.255,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05625395104289055},{"word":"you","start":1217.255,"end":1217.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05019032955169678},{"word":"can","start":1217.335,"end":1217.575,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04171532392501831},{"word":"press","start":1217.575,"end":1217.975,"confidence":1.0,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.04282834380865097},{"word":"next","start":1217.975,"end":1218.455,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04332327842712402},{"word":"for","start":1218.455,"end":1218.695,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05394299700856209},{"word":"me","start":1218.695,"end":1219.195,"confidence":0.8540039,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.04966229200363159},{"word":"yep","start":1223.975,"end":1224.475,"confidence":0.85131836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0953904390335083},{"word":"you","start":1224.5349,"end":1224.7749,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07957066595554352},{"word":"probably","start":1224.7749,"end":1225.1749,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.092929407954216},{"word":"have","start":1225.1749,"end":1225.335,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07734143733978271},{"word":"seen","start":1225.335,"end":1225.575,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.05768681317567825},{"word":"this","start":1225.575,"end":1225.815,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07873865962028503},{"word":"a","start":1225.815,"end":1225.975,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05842934548854828},{"word":"few","start":1225.975,"end":1226.215,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.049768466502428055},{"word":"times","start":1226.215,"end":1226.695,"confidence":0.9880371,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":0.06349090486764908},{"word":"it","start":1226.695,"end":1226.855,"confidence":0.9863281,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09387218207120895},{"word":"is","start":1226.855,"end":1227.1749,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08001014590263367},{"word":"one","start":1227.1749,"end":1227.335,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08381325006484985},{"word":"of","start":1227.335,"end":1227.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10436931252479552},{"word":"those","start":1227.495,"end":1227.815,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09357442706823348},{"word":"compliance","start":1227.815,"end":1228.315,"confidence":0.9760742,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.10343402624130248},{"word":"documents","start":1228.455,"end":1228.955,"confidence":0.7651367,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.07652183622121811},{"word":"but","start":1229.49,"end":1229.65,"confidence":0.98535156,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12615671753883362},{"word":"it","start":1229.65,"end":1229.89,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12219533324241638},{"word":"basically","start":1229.89,"end":1230.39,"confidence":0.98535156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11084993183612823},{"word":"gives","start":1230.45,"end":1230.69,"confidence":0.99316406,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.1152813285589218},{"word":"you","start":1230.69,"end":1230.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14537686109542847},{"word":"all","start":1230.85,"end":1231.09,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15700608491897583},{"word":"the","start":1231.09,"end":1231.17,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11958211660385132},{"word":"important","start":1231.17,"end":1231.67,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.0694502741098404},{"word":"information","start":1231.73,"end":1232.23,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.12520234286785126},{"word":"in","start":1232.37,"end":1232.61,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1079913005232811},{"word":"regards","start":1232.61,"end":1232.93,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1258327066898346},{"word":"to","start":1232.93,"end":1233.09,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1132710427045822},{"word":"us","start":1233.09,"end":1233.25,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13197198510169983},{"word":"here","start":1233.25,"end":1233.49,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1741401106119156},{"word":"at","start":1233.49,"end":1233.73,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15723350644111633},{"word":"oakview","start":1233.73,"end":1234.23,"confidence":0.85221356,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.13035768270492554},{"word":"none","start":1235.25,"end":1235.57,"confidence":0.9760742,"punctuated_word":"None","sentiment":"neutral","sentiment_score":0.05132810026407242},{"word":"of","start":1235.57,"end":1235.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015528753399848938},{"word":"the","start":1235.65,"end":1235.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015121027827262878},{"word":"important","start":1235.73,"end":1236.23,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.0908900871872902},{"word":"information","start":1236.29,"end":1236.77,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.032892338931560516},{"word":"has","start":1236.77,"end":1237.09,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.01342514157295227},{"word":"changed","start":1237.09,"end":1237.33,"confidence":0.99853516,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.06971129775047302},{"word":"you","start":1237.33,"end":1237.49,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0744064524769783},{"word":"can","start":1237.49,"end":1237.65,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09331916272640228},{"word":"have","start":1237.65,"end":1237.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06299684196710587},{"word":"a","start":1237.81,"end":1237.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06893124431371689},{"word":"bit","start":1237.89,"end":1238.05,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07850076258182526},{"word":"of","start":1238.05,"end":1238.21,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07007890194654465},{"word":"a","start":1238.21,"end":1238.37,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05468801036477089},{"word":"read","start":1238.37,"end":1238.69,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.02785196155309677},{"word":"through","start":1238.69,"end":1239.19,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03035827726125717},{"word":"all","start":1239.81,"end":1239.97,"confidence":0.9863281,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06236240267753601},{"word":"the","start":1239.97,"end":1240.21,"confidence":0.7651367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04621422290802002},{"word":"directors","start":1240.21,"end":1240.71,"confidence":0.8930664,"punctuated_word":"directors,","sentiment":"neutral","sentiment_score":0.05794433876872063},{"word":"our","start":1240.77,"end":1241.01,"confidence":0.9819336,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08457924425601959},{"word":"advisers","start":1241.01,"end":1241.41,"confidence":0.94384766,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":0.06515169143676758},{"word":"and","start":1241.41,"end":1241.57,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06447704136371613},{"word":"everybody","start":1241.57,"end":1242.07,"confidence":0.99902344,"punctuated_word":"everybody","sentiment":"neutral","sentiment_score":0.06973222643136978},{"word":"in","start":1242.13,"end":1242.29,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.057404275983572006},{"word":"there","start":1242.29,"end":1242.615,"confidence":0.8574219,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05778883397579193},{"word":"but","start":1242.695,"end":1242.775,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.055693306028842926},{"word":"i'll","start":1242.775,"end":1243.015,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04567369073629379},{"word":"let","start":1243.015,"end":1243.095,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.05116288363933563},{"word":"you","start":1243.095,"end":1243.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0771188959479332},{"word":"do","start":1243.335,"end":1243.415,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05371912568807602},{"word":"that","start":1243.415,"end":1243.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048614613711833954},{"word":"in","start":1243.655,"end":1243.815,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025384917855262756},{"word":"your","start":1243.815,"end":1244.135,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05267868936061859},{"word":"own","start":1244.135,"end":1244.295,"confidence":0.9951172,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.03994472324848175},{"word":"time","start":1244.295,"end":1244.535,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07453792542219162},{"word":"so","start":1244.535,"end":1244.695,"confidence":0.93359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0038136541843414302},{"word":"i","start":1244.695,"end":1244.775,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03048175573348999},{"word":"don't","start":1244.775,"end":1244.9349,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.02640431933104992},{"word":"keep","start":1244.9349,"end":1245.175,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.007189691066741943},{"word":"you","start":1245.175,"end":1245.335,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03275962918996811},{"word":"for","start":1245.335,"end":1245.575,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015033259987831116},{"word":"too","start":1245.575,"end":1245.815,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.055289946496486664},{"word":"long","start":1245.815,"end":1246.315,"confidence":1.0,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":0.033232029527425766},{"word":"now","start":1248.0549,"end":1248.375,"confidence":0.94189453,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05179087817668915},{"word":"if","start":1248.375,"end":1248.535,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05599433928728104},{"word":"you","start":1248.535,"end":1248.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06071642786264419},{"word":"wanna","start":1248.615,"end":1248.9349,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.061702340841293335},{"word":"press","start":1248.9349,"end":1249.175,"confidence":1.0,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.05311288312077522},{"word":"next","start":1249.175,"end":1249.335,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.059367649257183075},{"word":"for","start":1249.335,"end":1249.495,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08616580069065094},{"word":"me","start":1249.495,"end":1249.735,"confidence":0.9995117,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.07709617912769318},{"word":"richard","start":1249.735,"end":1250.235,"confidence":0.90966797,"punctuated_word":"Richard.","sentiment":"neutral","sentiment_score":0.0755707323551178},{"word":"yep","start":1252.535,"end":1252.775,"confidence":0.93359375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05259542167186737},{"word":"what","start":1252.775,"end":1253.015,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.04248116910457611},{"word":"can","start":1253.015,"end":1253.255,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.043274231255054474},{"word":"you","start":1253.255,"end":1253.415,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04131016880273819},{"word":"see","start":1253.415,"end":1253.575,"confidence":0.91259766,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04718971997499466},{"word":"now","start":1253.575,"end":1254.075,"confidence":0.9995117,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.02928243577480316},{"word":"yep","start":1258.71,"end":1259.1901,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015114551410079002},{"word":"so","start":1259.1901,"end":1259.51,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28486213088035583},{"word":"this","start":1259.51,"end":1259.67,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.35827821493148804},{"word":"is","start":1259.67,"end":1259.91,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31659170985221863},{"word":"your","start":1259.91,"end":1260.31,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.364724338054657},{"word":"ongoing","start":1260.31,"end":1260.79,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.3576039969921112},{"word":"service","start":1260.79,"end":1261.29,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.2942506968975067},{"word":"agreement","start":1261.35,"end":1261.85,"confidence":0.9736328,"punctuated_word":"agreement,","sentiment":"positive","sentiment_score":0.34897419810295105},{"word":"which","start":1262.63,"end":1262.87,"confidence":0.5683594,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5452151894569397},{"word":"is","start":1262.87,"end":1263.11,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6417575478553772},{"word":"just","start":1263.11,"end":1263.35,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.662882387638092},{"word":"to","start":1263.35,"end":1263.51,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6431057453155518},{"word":"say","start":1263.51,"end":1263.75,"confidence":1.0,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.636246919631958},{"word":"that","start":1263.75,"end":1263.91,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7472303509712219},{"word":"you","start":1263.91,"end":1264.15,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8404704332351685},{"word":"are","start":1264.15,"end":1264.39,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.8715150356292725},{"word":"happy","start":1264.39,"end":1264.79,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8443736433982849},{"word":"to","start":1264.79,"end":1265.03,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8220146894454956},{"word":"stay","start":1265.03,"end":1265.35,"confidence":0.9921875,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.7792753577232361},{"word":"on","start":1265.35,"end":1265.67,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.7597225904464722},{"word":"as","start":1265.67,"end":1265.91,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.8102163672447205},{"word":"a","start":1265.91,"end":1266.07,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8180093765258789},{"word":"client","start":1266.07,"end":1266.57,"confidence":1.0,"punctuated_word":"client.","sentiment":"positive","sentiment_score":0.6723548173904419},{"word":"now","start":1267.455,"end":1267.615,"confidence":0.91674805,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.28539159893989563},{"word":"richard","start":1267.615,"end":1268.095,"confidence":0.9995117,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.268044114112854},{"word":"there","start":1268.095,"end":1268.335,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24810819327831268},{"word":"is","start":1268.335,"end":1268.655,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18295754492282867},{"word":"no","start":1268.655,"end":1268.975,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.09620828181505205},{"word":"changes","start":1268.975,"end":1269.475,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.03947579860687256},{"word":"whatsoever","start":1269.535,"end":1270.035,"confidence":0.96435547,"punctuated_word":"whatsoever","sentiment":"neutral","sentiment_score":0.012559890747070312},{"word":"in","start":1270.1749,"end":1270.335,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023630812764167786},{"word":"regards","start":1270.335,"end":1270.735,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.018436945974826813},{"word":"to","start":1270.735,"end":1270.815,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0004960820078849792},{"word":"the","start":1270.815,"end":1271.0549,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10781430453062056},{"word":"fee","start":1271.0549,"end":1271.2949,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.08264173567295074},{"word":"structure","start":1271.2949,"end":1271.775,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.15510816872119904},{"word":"for","start":1271.775,"end":1271.9349,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2385139167308807},{"word":"you","start":1271.9349,"end":1272.255,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23706503212451935},{"word":"it","start":1272.255,"end":1272.495,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3519143760204315},{"word":"stays","start":1272.495,"end":1272.895,"confidence":0.96972656,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.3626311719417572},{"word":"exactly","start":1272.895,"end":1273.2949,"confidence":1.0,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.44651925563812256},{"word":"the","start":1273.2949,"end":1273.535,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4060773253440857},{"word":"same","start":1273.535,"end":1273.9349,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4922691881656647},{"word":"at","start":1273.9349,"end":1274.1749,"confidence":0.8671875,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.427914023399353},{"word":"that","start":1274.1749,"end":1274.255,"confidence":0.93408203,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3898661732673645},{"word":"1.65","start":1274.255,"end":1275.375,"confidence":0.9958496,"punctuated_word":"1.65","sentiment":"neutral","sentiment_score":0.2626950144767761},{"word":"from","start":1275.375,"end":1275.695,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.3504653871059418},{"word":"super","start":1275.695,"end":1276.195,"confidence":0.7167969,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.3451964855194092},{"word":"but","start":1276.495,"end":1276.815,"confidence":0.9741211,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2125316858291626},{"word":"no","start":1276.815,"end":1277.135,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.09925366938114166},{"word":"changes","start":1277.135,"end":1277.635,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.05928696691989899},{"word":"at","start":1277.695,"end":1277.855,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14274494349956512},{"word":"all","start":1277.855,"end":1278.095,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19997063279151917},{"word":"in","start":1278.095,"end":1278.255,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17899562418460846},{"word":"regards","start":1278.255,"end":1278.755,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.08192814141511917},{"word":"to","start":1278.815,"end":1279.0549,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18769657611846924},{"word":"that","start":1279.0549,"end":1279.5549,"confidence":0.939209,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.23685838282108307},{"word":"and","start":1279.775,"end":1279.9349,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13674966990947723},{"word":"it","start":1279.9349,"end":1280.095,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18221545219421387},{"word":"is","start":1280.095,"end":1280.335,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09098869562149048},{"word":"also","start":1280.335,"end":1280.367,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07080617547035217},{"word":"not","start":1280.367,"end":1280.3989,"confidence":0.9560547,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01978536695241928},{"word":"a","start":1280.3989,"end":1280.431,"confidence":0.9428711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04082012921571731},{"word":"lock","start":1280.431,"end":1280.463,"confidence":0.59277344,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.061447080224752426},{"word":"in","start":1280.463,"end":1280.495,"confidence":0.97265625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08537465333938599},{"word":"contract","start":1280.495,"end":1280.527,"confidence":0.8249512,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":-0.05286644399166107},{"word":"so","start":1280.527,"end":1280.559,"confidence":0.5805664,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.045026347041130066},{"word":"if","start":1280.559,"end":1280.5911,"confidence":0.84716797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06728945672512054},{"word":"at","start":1280.5911,"end":1280.623,"confidence":0.72265625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02201654016971588},{"word":"any","start":1280.623,"end":1280.655,"confidence":0.62109375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05233578383922577},{"word":"point","start":1280.655,"end":1281.155,"confidence":0.7475586,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.09388938546180724},{"word":"in","start":1281.455,"end":1281.93,"confidence":0.80615234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07777702063322067},{"word":"time","start":1283.8501,"end":1284.0901,"confidence":0.53027344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.05512291193008423},{"word":"you","start":1284.0901,"end":1284.3301,"confidence":0.5551758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07864323258399963},{"word":"are","start":1284.3301,"end":1284.5701,"confidence":0.8984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06490431725978851},{"word":"not","start":1284.5701,"end":1284.81,"confidence":0.9223633,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12479598820209505},{"word":"happy","start":1284.81,"end":1285.05,"confidence":0.9169922,"punctuated_word":"happy,","sentiment":"neutral","sentiment_score":-0.01446215808391571},{"word":"it","start":1285.05,"end":1285.29,"confidence":0.8803711,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06907835602760315},{"word":"is","start":1285.29,"end":1285.53,"confidence":0.9550781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0036009028553962708},{"word":"not","start":1285.53,"end":1285.77,"confidence":0.9160156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.01835058629512787},{"word":"a","start":1285.77,"end":1286.01,"confidence":0.93603516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00024345144629478457},{"word":"lock","start":1286.01,"end":1286.05,"confidence":0.90283203,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.05120961368083954},{"word":"in","start":1286.05,"end":1286.0901,"confidence":0.8510742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06320098787546158},{"word":"contract","start":1286.0901,"end":1286.5901,"confidence":0.8244629,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":0.0140627920627594},{"word":"but","start":1286.89,"end":1287.13,"confidence":0.7685547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1846982538700104},{"word":"by","start":1287.13,"end":1287.63,"confidence":0.82666016,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2138604521751404},{"word":"signing","start":1287.6901,"end":1288.01,"confidence":0.8647461,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.2324246317148209},{"word":"this","start":1288.01,"end":1288.25,"confidence":0.82666016,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.2672179937362671},{"word":"otherwise","start":1288.25,"end":1288.75,"confidence":0.9472656,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.3125714659690857},{"word":"it","start":1288.81,"end":1288.9701,"confidence":0.921875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.39557695388793945},{"word":"just","start":1288.9701,"end":1289.05,"confidence":0.94140625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3037348985671997},{"word":"allows","start":1289.05,"end":1289.37,"confidence":0.9482422,"punctuated_word":"allows","sentiment":"positive","sentiment_score":0.3498010039329529},{"word":"us","start":1289.37,"end":1289.53,"confidence":0.9741211,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.4209582209587097},{"word":"to","start":1289.53,"end":1289.93,"confidence":0.9526367,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.402686208486557},{"word":"manage","start":1289.93,"end":1290.25,"confidence":0.90771484,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.32075950503349304},{"word":"all","start":1290.25,"end":1290.41,"confidence":0.92333984,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4709261655807495},{"word":"your","start":1290.41,"end":1290.65,"confidence":0.9526367,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4758604168891907},{"word":"investments","start":1290.65,"end":1291.15,"confidence":0.8769531,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.27249836921691895},{"word":"and","start":1291.2101,"end":1291.37,"confidence":0.96875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5120230913162231},{"word":"everything","start":1291.37,"end":1291.87,"confidence":0.93847656,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5075803399085999},{"word":"for","start":1291.93,"end":1292.01,"confidence":0.97314453,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.45249858498573303},{"word":"you","start":1292.01,"end":1292.17,"confidence":0.98828125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39696842432022095},{"word":"in","start":1292.17,"end":1292.3301,"confidence":0.98535156,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35835951566696167},{"word":"the","start":1292.3301,"end":1292.4901,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29947566986083984},{"word":"meantime","start":1292.4901,"end":1292.9901,"confidence":0.9638672,"punctuated_word":"meantime.","sentiment":"neutral","sentiment_score":0.24187198281288147},{"word":"yep","start":1294.3301,"end":1294.4901,"confidence":0.91796875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11077906936407088},{"word":"so","start":1294.4901,"end":1294.7301,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1316716969013214},{"word":"if","start":1294.7301,"end":1294.89,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17012351751327515},{"word":"you're","start":1294.89,"end":1295.05,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14138512313365936},{"word":"happy","start":1295.05,"end":1295.21,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.15721189975738523},{"word":"to","start":1295.21,"end":1295.37,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17766445875167847},{"word":"do","start":1295.37,"end":1295.6101,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19100674986839297},{"word":"so","start":1295.6101,"end":1295.8501,"confidence":0.99560547,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.2106129676103592},{"word":"this","start":1295.8501,"end":1296.01,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1871633529663086},{"word":"one","start":1296.01,"end":1296.17,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15664221346378326},{"word":"here","start":1296.17,"end":1296.4901,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.17510846257209778},{"word":"will","start":1296.4901,"end":1296.7301,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15160132944583893},{"word":"ask","start":1296.7301,"end":1297.05,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.14054730534553528},{"word":"for","start":1297.05,"end":1297.55,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10015746206045152},{"word":"your","start":1297.9249,"end":1298.085,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10721245408058168},{"word":"signature","start":1298.085,"end":1298.585,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.0931618958711624},{"word":"at","start":1298.645,"end":1298.8049,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11481498181819916},{"word":"the","start":1298.8049,"end":1298.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11912977695465088},{"word":"bottom","start":1298.885,"end":1299.385,"confidence":0.9995117,"punctuated_word":"bottom.","sentiment":"neutral","sentiment_score":0.11665625870227814},{"word":"yep","start":1301.125,"end":1301.625,"confidence":0.88305664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.198308989405632},{"word":"perfect","start":1301.845,"end":1302.345,"confidence":0.9926758,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5338658690452576},{"word":"and","start":1303.445,"end":1303.765,"confidence":0.99609375,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3674710988998413},{"word":"that","start":1303.765,"end":1303.9249,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3382143974304199},{"word":"should","start":1303.9249,"end":1304.245,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4366748332977295},{"word":"be","start":1304.245,"end":1304.485,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.39535728096961975},{"word":"the","start":1304.485,"end":1304.725,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38311299681663513},{"word":"last","start":1304.725,"end":1305.125,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.3460127115249634},{"word":"one","start":1305.125,"end":1305.625,"confidence":0.9995117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.26141828298568726},{"word":"so","start":1306.325,"end":1306.565,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.197169691324234},{"word":"once","start":1306.565,"end":1306.8049,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.19373837113380432},{"word":"you've","start":1306.8049,"end":1307.0449,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15845517814159393},{"word":"added","start":1307.0449,"end":1307.285,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.1387573480606079},{"word":"the","start":1307.285,"end":1307.445,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16382154822349548},{"word":"signature","start":1307.445,"end":1307.9249,"confidence":0.9995117,"punctuated_word":"signature,","sentiment":"neutral","sentiment_score":0.14178317785263062},{"word":"it","start":1307.9249,"end":1308.085,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24010780453681943},{"word":"should","start":1308.085,"end":1308.405,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2633536756038666},{"word":"say","start":1308.405,"end":1308.885,"confidence":0.97802734,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.2549673318862915},{"word":"validate","start":1308.885,"end":1309.385,"confidence":0.95703125,"punctuated_word":"validate,","sentiment":"neutral","sentiment_score":0.17579543590545654},{"word":"i","start":1309.765,"end":1309.9249,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20346179604530337},{"word":"believe","start":1309.9249,"end":1310.37,"confidence":0.98657227,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.170723557472229},{"word":"yes","start":1314.93,"end":1315.41,"confidence":0.95825195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11516613513231276},{"word":"yep","start":1315.41,"end":1315.65,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11169885098934174},{"word":"that's","start":1315.65,"end":1315.89,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13513943552970886},{"word":"the","start":1315.89,"end":1316.05,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1362815648317337},{"word":"correct","start":1316.05,"end":1316.45,"confidence":0.9980469,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.14597047865390778},{"word":"place","start":1316.45,"end":1316.95,"confidence":0.8562012,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.1681894063949585},{"word":"and","start":1322.85,"end":1323.09,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10181058943271636},{"word":"it","start":1323.09,"end":1323.25,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12400352954864502},{"word":"should","start":1323.25,"end":1323.49,"confidence":0.99609375,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.15609577298164368},{"word":"ask","start":1323.49,"end":1323.65,"confidence":0.99609375,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10009855031967164},{"word":"you","start":1323.65,"end":1323.975,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10266068577766418},{"word":"to","start":1324.135,"end":1324.375,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08027764409780502},{"word":"draw","start":1324.375,"end":1324.875,"confidence":0.99902344,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.09023458510637283},{"word":"yep","start":1325.335,"end":1325.835,"confidence":0.9609375,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.0841197744011879},{"word":"yes","start":1328.855,"end":1329.355,"confidence":0.98706055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18793439865112305},{"word":"perfect","start":1329.495,"end":1329.995,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3452843427658081},{"word":"and","start":1331.1749,"end":1331.575,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1239696443080902},{"word":"when","start":1331.575,"end":1331.815,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10818259418010712},{"word":"you","start":1331.815,"end":1331.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10410265624523164},{"word":"press","start":1331.975,"end":1332.215,"confidence":0.99902344,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.07843776047229767},{"word":"validate","start":1332.215,"end":1332.695,"confidence":0.94091797,"punctuated_word":"validate,","sentiment":"neutral","sentiment_score":0.10513432323932648},{"word":"sometimes","start":1332.695,"end":1333.095,"confidence":1.0,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.06173664703965187},{"word":"it","start":1333.095,"end":1333.255,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08244866877794266},{"word":"takes","start":1333.255,"end":1333.495,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.0734296441078186},{"word":"a","start":1333.495,"end":1333.575,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.078999824821949},{"word":"minute","start":1333.575,"end":1334.075,"confidence":0.99902344,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":0.06807850301265717},{"word":"to","start":1334.2949,"end":1334.535,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02889169380068779},{"word":"load","start":1334.535,"end":1335.035,"confidence":0.935791,"punctuated_word":"load.","sentiment":"neutral","sentiment_score":0.07547518610954285},{"word":"yeah","start":1336.0549,"end":1336.5549,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20080843567848208},{"word":"perfect","start":1337.1749,"end":1337.67,"confidence":0.99194336,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.528393030166626},{"word":"so","start":1337.75,"end":1337.91,"confidence":0.85668945,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.3161943554878235},{"word":"basically","start":1337.91,"end":1338.31,"confidence":1.0,"punctuated_word":"basically,","sentiment":"positive","sentiment_score":0.33617928624153137},{"word":"what","start":1338.31,"end":1338.55,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.36193323135375977},{"word":"it","start":1338.55,"end":1338.63,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3810173571109772},{"word":"does","start":1338.63,"end":1338.87,"confidence":0.8798828,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.2802964448928833},{"word":"it","start":1338.87,"end":1339.11,"confidence":0.98095703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35113126039505005},{"word":"is","start":1339.11,"end":1339.3501,"confidence":0.8774414,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28248876333236694},{"word":"just","start":1339.3501,"end":1339.67,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.313137024641037},{"word":"sending","start":1339.67,"end":1340.0701,"confidence":1.0,"punctuated_word":"sending","sentiment":"positive","sentiment_score":0.3546068072319031},{"word":"it","start":1340.0701,"end":1340.2301,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.37804415822029114},{"word":"back","start":1340.2301,"end":1340.4701,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3642990291118622},{"word":"to","start":1340.4701,"end":1340.63,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.321583092212677},{"word":"me","start":1340.63,"end":1340.87,"confidence":0.9628906,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.33757781982421875},{"word":"and","start":1340.87,"end":1341.03,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3397138714790344},{"word":"i","start":1341.03,"end":1341.1901,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.40746837854385376},{"word":"can","start":1341.1901,"end":1341.3501,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4277178645133972},{"word":"get","start":1341.3501,"end":1341.51,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.41214075684547424},{"word":"that","start":1341.51,"end":1341.75,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4289162158966065},{"word":"all","start":1341.75,"end":1341.99,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4321152269840241},{"word":"uploaded","start":1341.99,"end":1342.49,"confidence":1.0,"punctuated_word":"uploaded","sentiment":"positive","sentiment_score":0.4522554278373718},{"word":"for","start":1342.87,"end":1343.11,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5409719347953796},{"word":"you","start":1343.11,"end":1343.61,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.42206010222435},{"word":"it","start":1343.75,"end":1343.99,"confidence":0.9980469,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3499310612678528},{"word":"will","start":1343.99,"end":1344.2301,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3091298043727875},{"word":"also","start":1344.2301,"end":1344.7101,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2677864134311676},{"word":"allow","start":1344.7101,"end":1345.1901,"confidence":1.0,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.32732999324798584},{"word":"you","start":1345.1901,"end":1345.3501,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3619561195373535},{"word":"to","start":1345.3501,"end":1345.5901,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31501060724258423},{"word":"download","start":1345.5901,"end":1345.99,"confidence":1.0,"punctuated_word":"download","sentiment":"neutral","sentiment_score":0.2667331099510193},{"word":"a","start":1345.99,"end":1346.0701,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31494730710983276},{"word":"copy","start":1346.0701,"end":1346.39,"confidence":0.9951172,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.2878762483596802},{"word":"if","start":1346.39,"end":1346.4701,"confidence":0.9941406,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.348380446434021},{"word":"you","start":1346.4701,"end":1346.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3007594645023346},{"word":"ever","start":1346.63,"end":1346.87,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.3128240704536438},{"word":"wanna","start":1346.87,"end":1347.11,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.29209059476852417},{"word":"go","start":1347.11,"end":1347.27,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2746649384498596},{"word":"back","start":1347.27,"end":1347.43,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3152003586292267},{"word":"and","start":1347.43,"end":1347.5901,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2543894648551941},{"word":"have","start":1347.5901,"end":1347.75,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2948569059371948},{"word":"a","start":1347.75,"end":1347.8301,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3132762312889099},{"word":"look","start":1347.8301,"end":1348.0701,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.25050050020217896},{"word":"at","start":1348.0701,"end":1348.2301,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2663641571998596},{"word":"the","start":1348.2301,"end":1348.4701,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.310881108045578},{"word":"documents","start":1348.4701,"end":1348.9701,"confidence":0.92211914,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.2637783885002136},{"word":"yeah","start":1351.03,"end":1351.27,"confidence":0.77319336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28966426849365234},{"word":"so","start":1351.27,"end":1351.43,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.33173102140426636},{"word":"that's","start":1351.43,"end":1351.67,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.40326398611068726},{"word":"all","start":1351.67,"end":1351.91,"confidence":0.99121094,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3929484188556671},{"word":"there","start":1351.91,"end":1352.2301,"confidence":0.9873047,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4524659216403961},{"word":"for","start":1352.2301,"end":1352.4701,"confidence":0.9892578,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43245458602905273},{"word":"you","start":1352.4701,"end":1352.87,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3648120760917664},{"word":"so","start":1352.87,"end":1353.11,"confidence":0.9301758,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.3040144443511963},{"word":"basically","start":1353.11,"end":1353.61,"confidence":0.98999023,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.27192196249961853},{"word":"after","start":1353.805,"end":1353.9651,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.23846951127052307},{"word":"the","start":1353.9651,"end":1354.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25007468461990356},{"word":"call","start":1354.125,"end":1354.525,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.22595083713531497},{"word":"as","start":1354.525,"end":1355.025,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2731463313102722},{"word":"well","start":1355.485,"end":1355.805,"confidence":0.9975586,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.21407440304756165},{"word":"i","start":1355.805,"end":1356.125,"confidence":0.8203125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2520647644996643},{"word":"will","start":1356.125,"end":1356.365,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21599870920181272},{"word":"get","start":1356.365,"end":1356.765,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2355010211467743},{"word":"the","start":1356.765,"end":1356.925,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2367190569639206},{"word":"team","start":1356.925,"end":1357.425,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.24430173635482788},{"word":"in","start":1357.725,"end":1357.885,"confidence":0.8745117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29672566056251526},{"word":"the","start":1357.885,"end":1357.965,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28803879022598267},{"word":"next","start":1357.965,"end":1358.125,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2729931175708771},{"word":"few","start":1358.125,"end":1358.365,"confidence":0.9370117,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.24001382291316983},{"word":"days","start":1358.365,"end":1358.685,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.2668004631996155},{"word":"to","start":1358.685,"end":1358.845,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31310927867889404},{"word":"email","start":1358.845,"end":1359.165,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2835087776184082},{"word":"you","start":1359.165,"end":1359.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29410266876220703},{"word":"that","start":1359.405,"end":1359.725,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3187654912471771},{"word":"insurance","start":1359.725,"end":1360.225,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2640787363052368},{"word":"form","start":1360.925,"end":1361.165,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.1924758404493332},{"word":"just","start":1361.165,"end":1361.3251,"confidence":0.93847656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2538082003593445},{"word":"so","start":1361.3251,"end":1361.485,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27964431047439575},{"word":"we","start":1361.485,"end":1361.5651,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25857654213905334},{"word":"can","start":1361.5651,"end":1361.805,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3126499652862549},{"word":"get","start":1361.805,"end":1361.965,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2592809498310089},{"word":"that","start":1361.965,"end":1362.285,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26733046770095825},{"word":"updated","start":1362.285,"end":1362.785,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.3800571858882904},{"word":"for","start":1362.845,"end":1363.005,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4410369396209717},{"word":"you","start":1363.005,"end":1363.3251,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3266497552394867},{"word":"it's","start":1363.3251,"end":1363.485,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2635917663574219},{"word":"already","start":1363.485,"end":1363.805,"confidence":0.99609375,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.3320486545562744},{"word":"in","start":1363.805,"end":1363.965,"confidence":0.96875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22714339196681976},{"word":"place","start":1363.965,"end":1364.365,"confidence":0.97265625,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2588769495487213},{"word":"with","start":1364.365,"end":1364.845,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2988463044166565},{"word":"super","start":1364.845,"end":1365.345,"confidence":0.73876953,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.26871418952941895},{"word":"otherwise","start":1366.285,"end":1366.765,"confidence":0.9946289,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.20942628383636477},{"word":"that","start":1366.765,"end":1366.925,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19219321012496948},{"word":"was","start":1366.925,"end":1367.085,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.25618883967399597},{"word":"essentially","start":1367.085,"end":1367.5651,"confidence":0.98535156,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.22173720598220825},{"word":"everything","start":1367.5651,"end":1367.965,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.25435805320739746},{"word":"that","start":1367.965,"end":1368.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24450048804283145},{"word":"i","start":1368.125,"end":1368.285,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21233539283275604},{"word":"needed","start":1368.285,"end":1368.605,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.21586501598358152},{"word":"to","start":1368.605,"end":1368.765,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20779602229595184},{"word":"touch","start":1368.765,"end":1369.005,"confidence":0.9941406,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.2165677398443222},{"word":"off","start":1369.005,"end":1369.17,"confidence":0.7792969,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.2159138321876526},{"word":"on","start":1369.41,"end":1369.65,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2324068248271942},{"word":"on","start":1369.65,"end":1369.9701,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23339860141277313},{"word":"my","start":1369.9701,"end":1370.2101,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2518506944179535},{"word":"end","start":1370.2101,"end":1370.7101,"confidence":0.96875,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.1834341287612915},{"word":"but","start":1370.77,"end":1371.01,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09184116125106812},{"word":"do","start":1371.01,"end":1371.25,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.036232367157936096},{"word":"you","start":1371.25,"end":1371.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.062370266765356064},{"word":"have","start":1371.41,"end":1371.5701,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.061082836240530014},{"word":"any","start":1371.5701,"end":1371.81,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.060365576297044754},{"word":"other","start":1371.81,"end":1372.05,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0443534329533577},{"word":"questions","start":1372.05,"end":1372.53,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.011358272284269331},{"word":"for","start":1372.53,"end":1372.6901,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01851697266101837},{"word":"me","start":1372.6901,"end":1373.01,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05409859120845795},{"word":"at","start":1373.01,"end":1373.0901,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05991196259856224},{"word":"this","start":1373.0901,"end":1373.25,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07229285687208176},{"word":"point","start":1373.25,"end":1373.5701,"confidence":1.0,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.08838047832250595},{"word":"richard","start":1373.5701,"end":1374.0701,"confidence":0.9995117,"punctuated_word":"Richard?","sentiment":"neutral","sentiment_score":0.07776986062526703},{"word":"no","start":1375.49,"end":1375.99,"confidence":0.75146484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2681734263896942},{"word":"yep","start":1377.0901,"end":1377.5701,"confidence":0.9399414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06206854805350304},{"word":"alright","start":1377.5701,"end":1377.9701,"confidence":0.9399414,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.27819904685020447},{"word":"beautiful","start":1377.9701,"end":1378.4701,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.471159964799881},{"word":"if","start":1378.61,"end":1378.8501,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.25545626878738403},{"word":"you","start":1378.8501,"end":1379.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18300096690654755},{"word":"do","start":1379.01,"end":1379.51,"confidence":0.9995117,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.23754289746284485},{"word":"you","start":1380.29,"end":1380.37,"confidence":0.875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25175678730010986},{"word":"know","start":1380.37,"end":1380.6901,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2116882801055908},{"word":"just","start":1380.6901,"end":1380.93,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13593578338623047},{"word":"just","start":1380.93,"end":1381.17,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18547894060611725},{"word":"let","start":1381.17,"end":1381.3301,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20283283293247223},{"word":"us","start":1381.3301,"end":1381.49,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.20153556764125824},{"word":"know","start":1381.49,"end":1381.7301,"confidence":0.9555664,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.23671725392341617},{"word":"just","start":1381.7301,"end":1381.89,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.13765206933021543},{"word":"send","start":1381.89,"end":1382.05,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.13251547515392303},{"word":"us","start":1382.05,"end":1382.2101,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.14746302366256714},{"word":"an","start":1382.2101,"end":1382.4501,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07647716999053955},{"word":"email","start":1382.4501,"end":1382.77,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.14391253888607025},{"word":"or","start":1382.77,"end":1383.01,"confidence":0.96435547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07144875824451447},{"word":"give","start":1383.01,"end":1383.25,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0930192768573761},{"word":"us","start":1383.25,"end":1383.41,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.16790035367012024},{"word":"a","start":1383.41,"end":1383.5701,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10791926085948944},{"word":"call","start":1383.5701,"end":1384.005,"confidence":0.7973633,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.0168008953332901},{"word":"or","start":1384.245,"end":1384.405,"confidence":0.98291016,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.10507994890213011},{"word":"if","start":1384.405,"end":1384.5651,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08980874717235565},{"word":"anything","start":1384.5651,"end":1385.045,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.15113024413585663},{"word":"changes","start":1385.045,"end":1385.525,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.14109081029891968},{"word":"for","start":1385.525,"end":1385.685,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16823163628578186},{"word":"you","start":1385.685,"end":1385.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1929919421672821},{"word":"and","start":1385.845,"end":1386.005,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08846001327037811},{"word":"you","start":1386.005,"end":1386.085,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22041282057762143},{"word":"ever","start":1386.085,"end":1386.325,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.16702373325824738},{"word":"wanna","start":1386.325,"end":1386.645,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19280152022838593},{"word":"review","start":1386.645,"end":1386.965,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.19353312253952024},{"word":"your","start":1386.965,"end":1387.205,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1626042127609253},{"word":"investments","start":1387.205,"end":1387.705,"confidence":0.9707031,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.12667348980903623},{"word":"or","start":1387.765,"end":1388.005,"confidence":0.9707031,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10774088650941847},{"word":"insurances","start":1388.005,"end":1388.505,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.15367698669433594},{"word":"or","start":1388.5651,"end":1388.725,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.135690376162529},{"word":"anything","start":1388.725,"end":1389.225,"confidence":0.99902344,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.12903569638729095},{"word":"you","start":1390.165,"end":1390.325,"confidence":0.9526367,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18031132221221924},{"word":"can","start":1390.325,"end":1390.485,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15044717490673065},{"word":"always","start":1390.485,"end":1390.805,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.19221776723861697},{"word":"just","start":1390.805,"end":1390.965,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13242623209953308},{"word":"give","start":1390.965,"end":1391.125,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15396694839000702},{"word":"us","start":1391.125,"end":1391.285,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.17256218194961548},{"word":"a","start":1391.285,"end":1391.365,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18000735342502594},{"word":"call","start":1391.365,"end":1391.525,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1842549443244934},{"word":"whenever","start":1391.525,"end":1391.845,"confidence":1.0,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.18397770822048187},{"word":"you","start":1391.845,"end":1392.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1635566204786301},{"word":"want","start":1392.005,"end":1392.505,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1107863187789917},{"word":"to","start":1394.005,"end":1394.165,"confidence":0.9995117,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.13259214162826538},{"word":"yeah","start":1394.165,"end":1394.665,"confidence":0.8833008,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31271785497665405},{"word":"no","start":1394.885,"end":1395.125,"confidence":0.96777344,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.4228832721710205},{"word":"problem","start":1395.125,"end":1395.445,"confidence":0.99902344,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.5027284026145935},{"word":"at","start":1395.445,"end":1395.605,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4155145287513733},{"word":"all","start":1395.605,"end":1395.685,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4884766340255738},{"word":"well","start":1395.685,"end":1395.845,"confidence":0.99902344,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5138828754425049},{"word":"i","start":1395.845,"end":1396.005,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6426336765289307},{"word":"will","start":1396.005,"end":1396.165,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5955919623374939},{"word":"let","start":1396.165,"end":1396.245,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.685394287109375},{"word":"you","start":1396.245,"end":1396.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6501312851905823},{"word":"go","start":1396.485,"end":1396.645,"confidence":0.8239746,"punctuated_word":"go,","sentiment":"positive","sentiment_score":0.5931926369667053},{"word":"and","start":1396.645,"end":1396.805,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6543233394622803},{"word":"enjoy","start":1396.805,"end":1397.205,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7715791463851929},{"word":"the","start":1397.205,"end":1397.365,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7502509355545044},{"word":"rest","start":1397.365,"end":1397.605,"confidence":1.0,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.7296862602233887},{"word":"of","start":1397.605,"end":1397.685,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.726793646812439},{"word":"your","start":1397.685,"end":1398.09,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7422914505004883},{"word":"evening","start":1398.4099,"end":1398.57,"confidence":1.0,"punctuated_word":"evening","sentiment":"positive","sentiment_score":0.6835134625434875},{"word":"there","start":1398.57,"end":1398.97,"confidence":0.9995117,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.6772897243499756},{"word":"richard","start":1398.97,"end":1399.45,"confidence":0.9223633,"punctuated_word":"Richard.","sentiment":"positive","sentiment_score":0.5739800930023193},{"word":"and","start":1399.45,"end":1399.61,"confidence":0.9760742,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.48286306858062744},{"word":"anything","start":1399.61,"end":1399.9299,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.4548872709274292},{"word":"you","start":1399.9299,"end":1400.09,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4945636987686157},{"word":"need","start":1400.09,"end":1400.33,"confidence":0.99560547,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.3211958110332489},{"word":"just","start":1400.33,"end":1400.57,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3269951641559601},{"word":"let","start":1400.57,"end":1400.73,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.3748215436935425},{"word":"us","start":1400.73,"end":1400.89,"confidence":1.0,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.33834144473075867},{"word":"know","start":1400.89,"end":1401.39,"confidence":1.0,"punctuated_word":"know.","sentiment":"positive","sentiment_score":0.4098705053329468},{"word":"okay","start":1402.8099,"end":1403.3099,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5037376880645752},{"word":"no","start":1403.85,"end":1404.01,"confidence":0.9873047,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2845260500907898},{"word":"worries","start":1404.01,"end":1404.4099,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.3044204115867615},{"word":"you","start":1404.4099,"end":1404.65,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.23479719460010529},{"word":"too","start":1404.65,"end":1404.89,"confidence":1.0,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.35370689630508423},{"word":"thanks","start":1404.89,"end":1405.39,"confidence":0.9995117,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6295740604400635},{"word":"bye","start":1405.85,"end":1406.35,"confidence":0.9633789,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.3662011623382568}],"paragraphs":{"transcript":"\nGood afternoon, Richard. This is Veronica from Oakview Financial. How are you? Good. Thanks.\n\nI had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Perfect. And how's your day been? Been busy?\n\nWell, I will try not to keep you for too long. I'll try to make it quick for you, Richard. Before I go any further, I do like to start by asking as well if there is anything specific you are hoping to get out of the review today or any particular questions or just a bit of a catch up really and see where everything's at? No. Yep.\n\nAlright. Perfect. So what I will do is just quickly run through a bit of an updated fact find with you just to see if there is anything major that has changed and if we need to make any tweaks and changes to your advice. Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that right?\n\nYeah. Are they still financially dependent on you, or are they older? Okay. Perfect. And how old are they?\n\nYep. Beautiful. Sorry. Kind of two still relying on you financially? Yep.\n\nPerfect. Now next up, Ken, I have here Kyla nominated. That's still the case as well? Next up, Ken, I have your wife nominated. Is that the case?\n\nThat hasn't changed. And her phone number hasn't changed. It's still the same. Yep. Beautiful.\n\nOccupation wise, are you still working as a boilermaker supervisor, or has any of that changed? Yep. Same. Perfect. Income at about 01:20, or has that changed?\n\nYeah. How much would you think? About one 30. Yep. Alright.\n\nPerfect. I'll put roughly $1.30. Asset wise, I have here your property was last tied at about 580,000. Is that still okay? Yeah.\n\nPerfect. And mortgage about $1.80? Yep. I have three motor vehicle combined value at about $1.20. Perfect.\n\n15 owing combined. 15,000 owing combined on on all three. Does that sound about right? Mhmm. About 25.\n\nPerfect. Do you No? About 20? Okay. And do you still have the caravan?\n\nYep. Still about 50 with about 28 owing. Yep. About 25. Great.\n\nYep. And then about 2,000 in ZipPay. Yep. Perfect. Any other assets?\n\nAnything else that's changed for you? No. Not easy. Now health and lifestyle wise, has any have you had any changes to your health or injuries or issues or anything in the last twelve months? Batteries?\n\nAh, yes. Yes. Yes. Perfect. Yes.\n\nAnd how much are they worth? Did you know? Okay. Perfect. And did you take a a loan or anything for them, or did you guys pay them?\n\nYeah. Okay. Yep. No. That's all good.\n\nAnd when it comes to estate planning, do you have a will or power of attorney or anything like that in place, Richard? Nope. That's all good. And I can see here, sir, for your superannuation, in the event that something woulda happened to you, that that goes a 100% to your wife. That's still correct for you as well?\n\nYep. Beautiful. Now I can see here that we don't Yes. I think it was a little while ago. Yes.\n\nI think it was a little while ago. Yep. Okay. Yeah. No.\n\nThat's okay. What I can do is I can get the team to resend them to you. Do you have sure. Do you have access to a printer, or do you prefer post? Yep.\n\nPrinter. Alright. So I'll get yeah. Perfect. Yeah.\n\nAlright. I'll just get them to email that to you again. Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and Yep. Yeah. Oh, perfect.\n\nHow's it been? Yep. Okay. Perfect. If you do have yeah.\n\nAnd if you do have any questions or she has any questions in regards to it or want me to explain it further, just just let me know. Okay? Yeah. Alright. Beautiful.\n\nNow, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property. Otherwise, just kinda focusing on reducing the mortgage as much as possible. Is that still kind of the main priority for you? Yep. Perfect.\n\nAlright. Good. And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in regards to fluctuations and how you feel about market movements. Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer? Yeah.\n\nPerfect. And I have here that, ideally, you would love to draw about $800 per week from super at that time. Yep. Okay. Perfect.\n\nYep. And when it comes to the level of risk that you are comfortable with taking for your superannuation, are you willing to accept very high risk, high moderates, or a small amount of risk for your superannuation? Moderate? Okay. Perfect.\n\nSo just reducing that a little bit. And when it comes to fluctuations, if you placed an investment and found that the investment had dropped in value, Would you think that if you had the option to do so, now is potentially a good time to put a little bit more money in while the prices are down? Do you think you would rather just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? Just kind of hold it and see depending. Yep.\n\nOkay. Perfect. Now would you ever consider taking out a loan to buy an investment property? No. No.\n\nThat's all good. Now, Richard, that basically tells me here that you have come out a little bit more defensive than how we currently have you invested in. So at the moment, we have you invested in a high growth portfolio, and you have come out kind of as more of your growth kind of borderline balance growth investors. Do you know the difference between those at all? Nope.\n\nThat's all good. Now, essentially, a high growth investor is someone that's looking at getting as much growth as you possibly can out of super while you still have plenty of time until retirement. Also, someone who is comfortable with and understand that there will be some fluctuations in the short term in order to achieve that growth in the long term. So when we are talking about how the money is invested in a high growth portfolio, we typically see about 90% invested in what we would call your growth assets. Now this is a combination of Australian shares, international shares, and property as well, and that is what's going to maximize those returns for you over the long term.\n\nAnd then you do have about 10% in defensive. So that is like your cash, your gold, your fixed interest limit fluctuations a little bit. Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations. In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market. Now one step down, so a growth portfolio, it is fairly similar, but it's about a 10% difference.\n\nSo you then look at about 80% in growth and 20 in defensive, so 10% more in defensive. So the difference between that is that in your growth portfolio, you might not have as much fluctuations as you do in a higher growth. But then on the long term, you might not have as high returns at the same time. A growth price yeah. You are in the high growth.\n\nYes. Keep it like that. Yep. No. That's okay.\n\nAnd you still have that eight years, you know, until you can get the money. And if anything Yeah. Perfect. No. If anything does change, we can always reassess at HTS.\n\nSo, obviously, the closer you get, if you then wanna start looking at reducing that, we can do that. But, otherwise, I will leave that in that high growth for now. And like I said, if you ever change your mind, you can just let us know. Yep. Perfect.\n\nNow, Richard, do you have access to your emails at the moment? Yep. Okay. So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time. Now let me know.\n\nSo it should ask you to click on a link. It will allow you to look at all the documents first, though, just to make sure you are happy before it prompts you to sign anything. Yes. Yep. If you press that one, it should open up a couple of attachments.\n\nDoesn't let me know what you can see. The first one should The first one should say summary of superannuation and insurance. Oh, yeah. You can see that one? Yep.\n\nYep. Perfect. So that one here gives you a bit of a breakdown of your super and your Now I did have a quick look at your super balance as of last year as well just to see for that comparison for you. And when we spoke doing that in review last year, your super balance was at a 135,993. And you can see that it's now up at a 149,721.\n\nNow underneath that, you then also have your ClearView insurance, and you have your life and total permanent disability insurance, and that is covering you for 327,069 if something were to happen. Are you still comfortable with the level of cover you have for life and TPD, or or what are your thoughts on that? That that's pretty good. Yep. Beautiful.\n\nNow you then also have an income protection policy, and that will pay you a monthly amount of $7,631 per month, which pretty much adds up very close to the income of the 130, which would be about 7,583. So pretty spot on with the monthly benefit amount. You do have that ninety day waiting period and a two year benefit period. Do you have any questions in regards to the income protection or wanting to make any changes or still happy with that? Yep.\n\nYes. Yep. Beautiful. Now you have all those three structured from within superannuation. You do get a 15% tax rebate, and the premium for those three is 6,595.\n\nSo, obviously, the insurances does get more more expensive the older you get. You're still happy with all your insurances and everything? Yep. Okay. Beautiful.\n\nNow next document for me, Richard, should be a performance report with Net Wealth. Yep. Now you have two added there for you. So one is twelve months, and one is three months. And that is just to show the change that we did make to one of your investments.\n\nSo I'm not sure if you remember receiving an email from us back in March in regards to changing one of the investments for you. It was Yep. Perfect. So if you look at the twelve month report first, it should be the first one. The one that we did change for you so the investment committee does a lot of research, obviously, on all the investments all the time.\n\nAnd if there is an investment that is slightly underperforming and we foresee it not being the best investment option for you moving forward, we do wanna take that kind of proactive approach in swapping things for you and making sure that your super and everything continues to grow. That all make sense? Yeah. Yeah. Beautiful.\n\nSo, basically correct. So on the twelve month report here, you can see that there was only one investment that was underperforming or was down. Everything else was doing good, and that was the Benelong Australian Equity Investment, so which is the one we changed for you. So then on the next document, the three month period, you can then kind of see the change, and you can see that when having a look at that one, you no longer had the Benelung investment, and instead, you had that substitute of the BetaShares Australia two 100, which is positive and going up, which is good. Yep.\n\nAny questions in regards to any of that? Well, that's pretty straightforward. Makes sense. Yeah. No.\n\nThat's all good. Essentially, we just take that one investment, and that was one Australian investment for another Australian investment. The beta share is performing a bit better than the Bennelong, which is great. It's a little bit cheaper as well, which again is good. And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market.\n\nWhereas the new one, it's kind of tracking the 200 largest companies in Australia. So very diversified, and if there is a bit of to one company, it won't impact it as much because you do have 200 different companies within just the one investment. Does that kind of make sense? Yep. Yep.\n\nBeautiful. Now the next document for me there, which should should be your certificate of currency, or it's a Vanguard index charge. What can you see? So it's probably the Clearview one for you. It basically just breaks down your insurances in a bit more information, lets you know that's all paid and up to date for you.\n\nYep. Beautiful. And if you wanna click next for me. Yep. Yep.\n\nAnd what does it say at the top? Is that pink and says clear view? Okay. Yep. So you're kind of still on that report, the one we just kinda went through.\n\nYes, please. Yes. Yeah. So this is the one that shows your insurances again in more information. Now if you can press next for me.\n\nYep. You probably have seen this a few times. It is one of those compliance documents. But it basically gives you all the important information in regards to us here at Oakview. None of the important information has changed.\n\nYou can have a bit of a read through all the directors, our advisers, and everybody in there, but I'll let you do that in your own time so I don't keep you for too long. Now if you wanna press next for me, Richard. Yep. What can you see now? Yep.\n\nSo this is your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now, Richard, there is no changes whatsoever in regards to the fee structure for you. It stays exactly the same at that 1.65 from super, but no changes at all in regards to that. And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.\n\nBut by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime. Yep. So if you're happy to do so, this one here will ask for your signature at the bottom. Yep. Perfect.\n\nAnd that should be the last one. So once you've added the signature, it should say validate, I believe. Yes. Yep. That's the correct place.\n\nAnd it should ask you to draw yep. Yes. Perfect. And when you press validate, sometimes it takes a minute to load. Yeah.\n\nPerfect. So, basically, what it does, it is just sending it back to me, and I can get that all uploaded for you. It will also allow you to download a copy if you ever wanna go back and have a look at the documents. Yeah. So that's all there for you.\n\nSo, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you. It's already in place with Super. Otherwise, that was essentially everything that I needed to touch off on on my end. But do you have any other questions for me at this point, Richard? No.\n\nYep. Alright. Beautiful. If you do, you know, just just let us know. Just send us an email or give us a call.\n\nOr if anything changes for you and you ever wanna review your investments or insurances or anything, you can always just give us a call whenever you want to. Yeah. No problem at all. Well, I will let you go, and enjoy the rest of your evening there, Richard. And anything you need, just let us know.\n\nOkay. No worries. You too. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Richard.","start":2.3999999,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3624908725420634},{"text":"This is Veronica from Oakview Financial.","start":3.4399998,"end":5.38,"sentiment":"neutral","sentiment_score":0.30632072190443677},{"text":"How are you?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.21870355804761252},{"text":"Good.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.5326096415519714},{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.6688947677612305}],"sentiment":"positive","sentiment_score":0.341643716607775,"num_words":14,"start":2.3999999,"end":9.059999},{"sentences":[{"text":"I had you booked in this afternoon to go over your annual review.","start":9.92,"end":12.88,"sentiment":"positive","sentiment_score":0.45403194198241603},{"text":"Is now still a good time for you?","start":12.88,"end":15.625,"sentiment":"positive","sentiment_score":0.37839631736278534},{"text":"Yep.","start":15.625,"end":16.125,"sentiment":"neutral","sentiment_score":0.18759816884994507},{"text":"Perfect.","start":16.185,"end":16.685,"sentiment":"positive","sentiment_score":0.4392271637916565},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.065,"end":24.685001,"sentiment":"neutral","sentiment_score":0.06762792555422618}],"sentiment":"neutral","sentiment_score":0.2214927107382279,"num_words":52,"start":9.92,"end":24.685001},{"sentences":[{"text":"Perfect.","start":26.904999,"end":27.404999,"sentiment":"neutral","sentiment_score":0.30907052755355835},{"text":"And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":27.865,"end":36.9,"sentiment":"neutral","sentiment_score":0.11341931767040683},{"text":"Perfect.","start":42.4,"end":42.88,"sentiment":"neutral","sentiment_score":0.29878634214401245},{"text":"And how's your day been?","start":42.88,"end":43.92,"sentiment":"neutral","sentiment_score":0.1533749595284462},{"text":"Been busy?","start":43.92,"end":45.925,"sentiment":"neutral","sentiment_score":0.02003354486078024}],"sentiment":"neutral","sentiment_score":0.12326994012109935,"num_words":40,"start":26.904999,"end":45.925},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":46.785,"end":48.864998,"sentiment":"neutral","sentiment_score":0.0271416035565463},{"text":"I'll try to make it quick for you, Richard.","start":48.864998,"end":50.644997,"sentiment":"neutral","sentiment_score":0.27608993815051186},{"text":"Before I go any further, I do like to start by asking as well if there is anything specific you are hoping to get out of the review today or any particular questions or just a bit of a catch up really and see where everything's at?","start":51.905,"end":64.32,"sentiment":"neutral","sentiment_score":0.04672171326076731},{"text":"No.","start":66.54,"end":67.04,"sentiment":"neutral","sentiment_score":-0.18039445579051971},{"text":"Yep.","start":68.46,"end":68.86,"sentiment":"neutral","sentiment_score":0.030779806897044185}],"sentiment":"neutral","sentiment_score":0.06999526024404643,"num_words":69,"start":46.785,"end":68.86},{"sentences":[{"text":"Alright.","start":68.86,"end":69.26,"sentiment":"neutral","sentiment_score":0.11898388713598251},{"text":"Perfect.","start":69.26,"end":69.76,"sentiment":"neutral","sentiment_score":0.24004334211349487},{"text":"So what I will do is just quickly run through a bit of an updated fact find with you just to see if there is anything major that has changed and if we need to make any tweaks and changes to your advice.","start":70.14,"end":80.185,"sentiment":"neutral","sentiment_score":0.07357863076897554},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependence.","start":82.085,"end":91.04,"sentiment":"neutral","sentiment_score":-0.03803536041002525},{"text":"Is that right?","start":91.18,"end":92.08,"sentiment":"neutral","sentiment_score":-0.002352734406789144}],"sentiment":"neutral","sentiment_score":0.04168922837768028,"num_words":67,"start":68.86,"end":92.08},{"sentences":[{"text":"Yeah.","start":95.100006,"end":95.420006,"sentiment":"neutral","sentiment_score":-0.011808970011770724},{"text":"Are they still financially dependent on you, or are they older?","start":95.420006,"end":98.560005,"sentiment":"neutral","sentiment_score":-0.04468403417955746},{"text":"Okay.","start":101.98,"end":102.48,"sentiment":"neutral","sentiment_score":-0.021365858614444733},{"text":"Perfect.","start":102.54,"end":103.04,"sentiment":"neutral","sentiment_score":0.020883282646536827},{"text":"And how old are they?","start":103.215,"end":104.435,"sentiment":"neutral","sentiment_score":-0.027877767011523245}],"sentiment":"neutral","sentiment_score":-0.03385288194802247,"num_words":19,"start":95.100006,"end":104.435},{"sentences":[{"text":"Yep.","start":108.73499,"end":109.23499,"sentiment":"neutral","sentiment_score":0.005663249175995588},{"text":"Beautiful.","start":116.73499,"end":117.23499,"sentiment":"neutral","sentiment_score":-0.002637270838022232},{"text":"Sorry.","start":117.454994,"end":117.774994,"sentiment":"neutral","sentiment_score":-0.28034210205078125},{"text":"Kind of two still relying on you financially?","start":117.774994,"end":120.41,"sentiment":"neutral","sentiment_score":-0.30319315381348133},{"text":"Yep.","start":121.75,"end":122.25,"sentiment":"neutral","sentiment_score":-0.01096689235419035}],"sentiment":"neutral","sentiment_score":-0.22615235388123742,"num_words":12,"start":108.73499,"end":122.25},{"sentences":[{"text":"Perfect.","start":122.310005,"end":122.810005,"sentiment":"neutral","sentiment_score":-0.013581017032265663},{"text":"Now next up, Ken, I have here Kyla nominated.","start":124.310005,"end":127.21,"sentiment":"neutral","sentiment_score":0.08325985736317104},{"text":"That's still the case as well?","start":127.270004,"end":128.81,"sentiment":"neutral","sentiment_score":0.08696664124727249},{"text":"Next up, Ken, I have your wife nominated.","start":131.59,"end":133.69,"sentiment":"neutral","sentiment_score":0.05797925079241395},{"text":"Is that the case?","start":133.83,"end":135.58499,"sentiment":"neutral","sentiment_score":0.031968511757440865}],"sentiment":"neutral","sentiment_score":0.066045200003178,"num_words":28,"start":122.310005,"end":135.58499},{"sentences":[{"text":"That hasn't changed.","start":135.58499,"end":136.465,"sentiment":"neutral","sentiment_score":-0.20150156815846762},{"text":"And her phone number hasn't changed.","start":136.465,"end":138.22499,"sentiment":"neutral","sentiment_score":-0.1234463465710481},{"text":"It's still the same.","start":138.22499,"end":139.44499,"sentiment":"neutral","sentiment_score":-0.04404641501605511},{"text":"Yep.","start":139.58499,"end":139.905,"sentiment":"neutral","sentiment_score":0.12152224034070969},{"text":"Beautiful.","start":139.905,"end":140.405,"sentiment":"positive","sentiment_score":0.4437206387519837}],"sentiment":"neutral","sentiment_score":-0.06374170432488123,"num_words":15,"start":135.58499,"end":140.405},{"sentences":[{"text":"Occupation wise, are you still working as a boilermaker supervisor, or has any of that changed?","start":141.185,"end":146.405,"sentiment":"neutral","sentiment_score":0.005896228482015431},{"text":"Yep.","start":146.86499,"end":147.36499,"sentiment":"neutral","sentiment_score":-0.010850328952074053},{"text":"Same.","start":147.42499,"end":147.905,"sentiment":"neutral","sentiment_score":0.047070808708667755},{"text":"Perfect.","start":147.905,"end":148.405,"sentiment":"neutral","sentiment_score":0.22332434356212616},{"text":"Income at about 01:20, or has that changed?","start":149.025,"end":151.82,"sentiment":"neutral","sentiment_score":0.03892093454487622}],"sentiment":"neutral","sentiment_score":0.02463896131073987,"num_words":27,"start":141.185,"end":151.82},{"sentences":[{"text":"Yeah.","start":154.6,"end":155.0,"sentiment":"neutral","sentiment_score":0.00325738824903965},{"text":"How much would you think?","start":155.0,"end":156.38,"sentiment":"neutral","sentiment_score":-0.013880883529782295},{"text":"About one 30.","start":163.64,"end":164.62,"sentiment":"neutral","sentiment_score":-0.032266658109923206},{"text":"Yep.","start":165.16,"end":165.66,"sentiment":"neutral","sentiment_score":0.05227116867899895},{"text":"Alright.","start":165.735,"end":166.135,"sentiment":"neutral","sentiment_score":0.16384094953536987}],"sentiment":"neutral","sentiment_score":0.004833192225884308,"num_words":11,"start":154.6,"end":166.135},{"sentences":[{"text":"Perfect.","start":166.135,"end":166.215,"sentiment":"neutral","sentiment_score":0.32936251163482666},{"text":"I'll put roughly $1.30.","start":166.215,"end":168.155,"sentiment":"neutral","sentiment_score":0.1671992838382721},{"text":"Asset wise, I have here your property was last tied at about 580,000.","start":170.855,"end":177.195,"sentiment":"neutral","sentiment_score":0.03244398448329706},{"text":"Is that still okay?","start":177.735,"end":178.875,"sentiment":"neutral","sentiment_score":0.027519068215042353},{"text":"Yeah.","start":179.735,"end":180.235,"sentiment":"neutral","sentiment_score":0.04767247289419174}],"sentiment":"neutral","sentiment_score":0.06859479091413644,"num_words":23,"start":166.135,"end":180.235},{"sentences":[{"text":"Perfect.","start":180.47,"end":180.79,"sentiment":"neutral","sentiment_score":0.10376977920532228},{"text":"And mortgage about $1.80?","start":180.79,"end":182.73,"sentiment":"neutral","sentiment_score":0.041276453994214535},{"text":"Yep.","start":184.15,"end":184.55,"sentiment":"neutral","sentiment_score":0.03078876994550228},{"text":"I have three motor vehicle combined value at about $1.20.","start":184.55,"end":188.41,"sentiment":"neutral","sentiment_score":0.034227135591208935},{"text":"Perfect.","start":189.99,"end":190.49,"sentiment":"neutral","sentiment_score":0.1742035299539566}],"sentiment":"neutral","sentiment_score":0.04800819123492522,"num_words":17,"start":180.47,"end":190.49},{"sentences":[{"text":"15 owing combined.","start":190.79,"end":192.81,"sentiment":"neutral","sentiment_score":0.0893651619553566},{"text":"15,000 owing combined on on all three.","start":194.915,"end":198.03499,"sentiment":"neutral","sentiment_score":0.03070332615503243},{"text":"Does that sound about right?","start":198.03499,"end":199.415,"sentiment":"neutral","sentiment_score":0.024150983057916166},{"text":"Mhmm.","start":203.155,"end":203.655,"sentiment":"neutral","sentiment_score":-0.03349609300494194},{"text":"About 25.","start":206.19499,"end":207.34999,"sentiment":"neutral","sentiment_score":-0.007856372278183699}],"sentiment":"neutral","sentiment_score":0.030809158148864906,"num_words":18,"start":190.79,"end":207.34999},{"sentences":[{"text":"Perfect.","start":207.34999,"end":207.84999,"sentiment":"neutral","sentiment_score":0.08509116619825363},{"text":"Do you No?","start":208.54999,"end":212.40999,"sentiment":"neutral","sentiment_score":-0.022493605812390644},{"text":"About 20?","start":213.03,"end":213.93,"sentiment":"neutral","sentiment_score":-0.03787091746926308},{"text":"Okay.","start":213.98999,"end":214.48999,"sentiment":"neutral","sentiment_score":-0.013563078828155994},{"text":"And do you still have the caravan?","start":215.43,"end":216.96999,"sentiment":"neutral","sentiment_score":-0.0061022524854966575}],"sentiment":"neutral","sentiment_score":-0.008172166600291218,"num_words":14,"start":207.34999,"end":216.96999},{"sentences":[{"text":"Yep.","start":218.54999,"end":219.03,"sentiment":"neutral","sentiment_score":0.009205641224980354},{"text":"Still about 50 with about 28 owing.","start":219.03,"end":222.215,"sentiment":"neutral","sentiment_score":-0.002471289730497769},{"text":"Yep.","start":224.035,"end":224.535,"sentiment":"neutral","sentiment_score":-0.0007335531408898532},{"text":"About 25.","start":226.675,"end":227.875,"sentiment":"neutral","sentiment_score":0.020478811115026474},{"text":"Great.","start":227.875,"end":228.375,"sentiment":"neutral","sentiment_score":0.1883803904056549}],"sentiment":"neutral","sentiment_score":0.018375922717192832,"num_words":12,"start":218.54999,"end":228.375},{"sentences":[{"text":"Yep.","start":229.955,"end":230.455,"sentiment":"neutral","sentiment_score":0.05478478595614433},{"text":"And then about 2,000 in ZipPay.","start":230.515,"end":233.015,"sentiment":"neutral","sentiment_score":0.06637423858046532},{"text":"Yep.","start":235.43999,"end":235.76,"sentiment":"neutral","sentiment_score":0.08667202293872833},{"text":"Perfect.","start":235.76,"end":236.15999,"sentiment":"neutral","sentiment_score":0.1721673607826233},{"text":"Any other assets?","start":236.15999,"end":237.2,"sentiment":"neutral","sentiment_score":0.09403309226036072}],"sentiment":"neutral","sentiment_score":0.0828307398284475,"num_words":12,"start":229.955,"end":237.2},{"sentences":[{"text":"Anything else that's changed for you?","start":237.2,"end":239.14,"sentiment":"neutral","sentiment_score":0.045822207195063434},{"text":"No.","start":240.71999,"end":241.2,"sentiment":"neutral","sentiment_score":-0.19455736875534055},{"text":"Not easy.","start":241.2,"end":242.09999,"sentiment":"neutral","sentiment_score":-0.24298471212387085},{"text":"Now health and lifestyle wise, has any have you had any changes to your health or injuries or issues or anything in the last twelve months?","start":242.48,"end":252.345,"sentiment":"neutral","sentiment_score":-0.05182992487859268},{"text":"Batteries?","start":256.165,"end":256.665,"sentiment":"neutral","sentiment_score":0.022421445697546005}],"sentiment":"neutral","sentiment_score":-0.04807639308273792,"num_words":36,"start":237.2,"end":256.665},{"sentences":[{"text":"Ah, yes.","start":260.405,"end":260.885,"sentiment":"neutral","sentiment_score":0.11606866121292114},{"text":"Yes.","start":260.885,"end":261.125,"sentiment":"neutral","sentiment_score":0.10265742987394331},{"text":"Yes.","start":261.125,"end":261.57,"sentiment":"neutral","sentiment_score":0.11863313615322112},{"text":"Perfect.","start":263.41,"end":263.91,"sentiment":"positive","sentiment_score":0.4682850241661072},{"text":"Yes.","start":265.25,"end":265.75,"sentiment":"neutral","sentiment_score":0.10688769072294237}],"sentiment":"neutral","sentiment_score":0.1714334338903427,"num_words":6,"start":260.405,"end":265.75},{"sentences":[{"text":"And how much are they worth?","start":267.33002,"end":269.67,"sentiment":"neutral","sentiment_score":0.06474449547628562},{"text":"Did you know?","start":269.73,"end":270.55002,"sentiment":"neutral","sentiment_score":0.03349163569509983},{"text":"Okay.","start":275.65,"end":276.15,"sentiment":"neutral","sentiment_score":0.200190931558609},{"text":"Perfect.","start":276.21002,"end":276.71002,"sentiment":"positive","sentiment_score":0.472301721572876},{"text":"And did you take a a loan or anything for them, or did you guys pay them?","start":277.85498,"end":281.715,"sentiment":"neutral","sentiment_score":0.10139023972784772}],"sentiment":"neutral","sentiment_score":0.10303816458742533,"num_words":28,"start":267.33002,"end":281.715},{"sentences":[{"text":"Yeah.","start":282.175,"end":282.675,"sentiment":"neutral","sentiment_score":0.10807473957538603},{"text":"Okay.","start":286.25497,"end":286.75497,"sentiment":"neutral","sentiment_score":0.1357036530971527},{"text":"Yep.","start":288.175,"end":288.675,"sentiment":"neutral","sentiment_score":-0.07131852209568024},{"text":"No.","start":290.25497,"end":290.495,"sentiment":"neutral","sentiment_score":-0.06325613707304001},{"text":"That's all good.","start":290.495,"end":291.80002,"sentiment":"neutral","sentiment_score":0.16636997958024344}],"sentiment":"neutral","sentiment_score":0.08690195317779269,"num_words":7,"start":282.175,"end":291.80002},{"sentences":[{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place, Richard?","start":292.74002,"end":298.36002,"sentiment":"neutral","sentiment_score":0.040915364399552345},{"text":"Nope.","start":300.5,"end":301.0,"sentiment":"neutral","sentiment_score":-0.08370782434940338},{"text":"That's all good.","start":302.74002,"end":303.96002,"sentiment":"positive","sentiment_score":0.42077462871869403},{"text":"And I can see here, sir, for your superannuation, in the event that something woulda happened to you, that that goes a 100% to your wife.","start":304.635,"end":314.315,"sentiment":"positive","sentiment_score":0.38994593689074886},{"text":"That's still correct for you as well?","start":314.315,"end":315.915,"sentiment":"neutral","sentiment_score":0.21167939262730734}],"sentiment":"neutral","sentiment_score":0.22900032584245006,"num_words":60,"start":292.74002,"end":315.915},{"sentences":[{"text":"Yep.","start":315.915,"end":316.235,"sentiment":"neutral","sentiment_score":0.16074514389038086},{"text":"Beautiful.","start":316.235,"end":316.735,"sentiment":"positive","sentiment_score":0.3673557937145233},{"text":"Now I can see here that we don't Yes.","start":317.51498,"end":333.04144,"sentiment":"neutral","sentiment_score":-0.007598846840361754},{"text":"I think it was a little while ago.","start":333.04144,"end":333.495,"sentiment":"neutral","sentiment_score":-0.025281231151893735},{"text":"Yes.","start":334.455,"end":334.615,"sentiment":"neutral","sentiment_score":0.0002453438937664032}],"sentiment":"neutral","sentiment_score":0.012885340536013246,"num_words":20,"start":315.915,"end":334.615},{"sentences":[{"text":"I think it was a little while ago.","start":334.615,"end":336.315,"sentiment":"neutral","sentiment_score":-0.01600794482510537},{"text":"Yep.","start":344.85498,"end":345.35498,"sentiment":"neutral","sentiment_score":-0.03249078989028931},{"text":"Okay.","start":347.495,"end":347.995,"sentiment":"neutral","sentiment_score":0.027872547507286072},{"text":"Yeah.","start":348.375,"end":348.875,"sentiment":"neutral","sentiment_score":0.00589858740568161},{"text":"No.","start":348.935,"end":349.41,"sentiment":"neutral","sentiment_score":-0.02892139367759228}],"sentiment":"neutral","sentiment_score":-0.012975383937979737,"num_words":12,"start":334.615,"end":349.41},{"sentences":[{"text":"That's okay.","start":349.49,"end":350.23,"sentiment":"neutral","sentiment_score":0.026925545185804367},{"text":"What I can do is I can get the team to resend them to you.","start":351.25,"end":355.67,"sentiment":"neutral","sentiment_score":0.0790595456957817},{"text":"Do you have sure.","start":355.89,"end":358.13,"sentiment":"neutral","sentiment_score":0.042509475722908974},{"text":"Do you have access to a printer, or do you prefer post?","start":358.13,"end":360.95,"sentiment":"neutral","sentiment_score":0.01212230115197599},{"text":"Yep.","start":361.81,"end":362.29,"sentiment":"neutral","sentiment_score":0.00024581048637628555}],"sentiment":"neutral","sentiment_score":0.045749870676766426,"num_words":34,"start":349.49,"end":362.29},{"sentences":[{"text":"Printer.","start":362.29,"end":362.79,"sentiment":"neutral","sentiment_score":-0.03715609014034271},{"text":"Alright.","start":362.97498,"end":363.055,"sentiment":"neutral","sentiment_score":-0.03535328805446625},{"text":"So I'll get yeah.","start":363.055,"end":364.57498,"sentiment":"neutral","sentiment_score":0.042549978476017714},{"text":"Perfect.","start":364.57498,"end":365.07498,"sentiment":"positive","sentiment_score":0.376181423664093},{"text":"Yeah.","start":366.735,"end":367.13498,"sentiment":"neutral","sentiment_score":0.11167462170124054}],"sentiment":"neutral","sentiment_score":0.07319332263432443,"num_words":8,"start":362.29,"end":367.13498},{"sentences":[{"text":"Alright.","start":367.13498,"end":367.375,"sentiment":"neutral","sentiment_score":0.1367325484752655},{"text":"I'll just get them to email that to you again.","start":367.375,"end":369.875,"sentiment":"neutral","sentiment_score":0.14699023673310876},{"text":"Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and Yep.","start":371.455,"end":382.19,"sentiment":"neutral","sentiment_score":0.0047191605572738955},{"text":"Yeah.","start":384.49,"end":384.99,"sentiment":"neutral","sentiment_score":-0.012171782553195952},{"text":"Oh, perfect.","start":388.33,"end":389.215,"sentiment":"neutral","sentiment_score":-0.05967768467962742}],"sentiment":"neutral","sentiment_score":0.03603114980376429,"num_words":45,"start":367.13498,"end":389.215},{"sentences":[{"text":"How's it been?","start":391.195,"end":392.095,"sentiment":"neutral","sentiment_score":0.010770495980978012},{"text":"Yep.","start":392.475,"end":392.95502,"sentiment":"neutral","sentiment_score":0.04240366071462631},{"text":"Okay.","start":392.95502,"end":393.27502,"sentiment":"neutral","sentiment_score":0.10431060194969176},{"text":"Perfect.","start":393.27502,"end":393.77502,"sentiment":"positive","sentiment_score":0.34975117444992065},{"text":"If you do have yeah.","start":395.595,"end":398.875,"sentiment":"neutral","sentiment_score":0.07571697905659676}],"sentiment":"neutral","sentiment_score":0.0824874382127415,"num_words":11,"start":391.195,"end":398.875},{"sentences":[{"text":"And if you do have any questions or she has any questions in regards to it or want me to explain it further, just just let me know.","start":398.875,"end":407.55002,"sentiment":"neutral","sentiment_score":0.07441337260284595},{"text":"Okay?","start":407.55002,"end":408.05002,"sentiment":"neutral","sentiment_score":0.06649397313594818},{"text":"Yeah.","start":409.47,"end":409.87,"sentiment":"neutral","sentiment_score":0.1712454855442047},{"text":"Alright.","start":409.87,"end":410.19,"sentiment":"positive","sentiment_score":0.3648293912410736},{"text":"Beautiful.","start":410.19,"end":410.69,"sentiment":"positive","sentiment_score":0.5827916860580444}],"sentiment":"neutral","sentiment_score":0.10215421777684242,"num_words":32,"start":398.875,"end":410.69},{"sentences":[{"text":"Now, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property.","start":411.95,"end":427.055,"sentiment":"neutral","sentiment_score":0.10805032180533522},{"text":"Otherwise, just kinda focusing on reducing the mortgage as much as possible.","start":428.155,"end":432.44,"sentiment":"neutral","sentiment_score":-0.01552207519610723},{"text":"Is that still kind of the main priority for you?","start":432.5,"end":435.0,"sentiment":"neutral","sentiment_score":0.04600425511598587},{"text":"Yep.","start":441.13998,"end":441.63998,"sentiment":"neutral","sentiment_score":0.031703438609838486},{"text":"Perfect.","start":442.97998,"end":443.47998,"sentiment":"positive","sentiment_score":0.38128527998924255}],"sentiment":"neutral","sentiment_score":0.079164846715602,"num_words":66,"start":411.95,"end":443.47998},{"sentences":[{"text":"Alright.","start":443.62,"end":444.09998,"sentiment":"neutral","sentiment_score":0.2951739430427551},{"text":"Good.","start":444.09998,"end":444.59998,"sentiment":"positive","sentiment_score":0.33735835552215576},{"text":"And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in regards to fluctuations and how you feel about market movements.","start":445.23502,"end":463.11,"sentiment":"neutral","sentiment_score":0.05533543217213864},{"text":"Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer?","start":464.44998,"end":471.59,"sentiment":"neutral","sentiment_score":-0.004485301207751036},{"text":"Yeah.","start":476.245,"end":476.565,"sentiment":"neutral","sentiment_score":0.0774640366435051}],"sentiment":"neutral","sentiment_score":0.04461229195456124,"num_words":72,"start":443.62,"end":476.565},{"sentences":[{"text":"Perfect.","start":476.565,"end":477.065,"sentiment":"neutral","sentiment_score":0.23130232095718384},{"text":"And I have here that, ideally, you would love to draw about $800 per week from super at that time.","start":477.76498,"end":484.425,"sentiment":"neutral","sentiment_score":0.1421873090788722},{"text":"Yep.","start":484.565,"end":485.04498,"sentiment":"neutral","sentiment_score":0.09273968636989594},{"text":"Okay.","start":485.04498,"end":485.365,"sentiment":"neutral","sentiment_score":0.19210948050022125},{"text":"Perfect.","start":485.365,"end":485.865,"sentiment":"neutral","sentiment_score":0.29492056369781494}],"sentiment":"neutral","sentiment_score":0.15228409304594,"num_words":24,"start":476.565,"end":485.865},{"sentences":[{"text":"Yep.","start":486.32498,"end":486.82498,"sentiment":"neutral","sentiment_score":0.11745887994766235},{"text":"And when it comes to the level of risk that you are comfortable with taking for your superannuation, are you willing to accept very high risk, high moderates, or a small amount of risk for your superannuation?","start":487.845,"end":503.28,"sentiment":"neutral","sentiment_score":0.0007364387447769577},{"text":"Moderate?","start":511.83502,"end":512.335,"sentiment":"neutral","sentiment_score":-0.006670159753412008},{"text":"Okay.","start":515.995,"end":516.47504,"sentiment":"positive","sentiment_score":0.35386985540390015},{"text":"Perfect.","start":516.47504,"end":516.97504,"sentiment":"positive","sentiment_score":0.602878212928772}],"sentiment":"neutral","sentiment_score":0.0267020737093578,"num_words":41,"start":486.32498,"end":516.97504},{"sentences":[{"text":"So just reducing that a little bit.","start":517.03503,"end":519.33,"sentiment":"neutral","sentiment_score":0.08684717171958514},{"text":"And when it comes to fluctuations, if you placed an investment and found that the investment had dropped in value, Would you think that if you had the option to do so, now is potentially a good time to put a little bit more money in while the prices are down?","start":519.33,"end":538.795,"sentiment":"neutral","sentiment_score":-0.05548248863687702},{"text":"Do you think you would rather just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?","start":539.33496,"end":551.96,"sentiment":"neutral","sentiment_score":-0.14092605312665304},{"text":"Just kind of hold it and see depending.","start":563.315,"end":566.215,"sentiment":"neutral","sentiment_score":-0.06763856206089258},{"text":"Yep.","start":566.91504,"end":567.41504,"sentiment":"neutral","sentiment_score":0.05617176741361618}],"sentiment":"neutral","sentiment_score":-0.0773842407495908,"num_words":106,"start":517.03503,"end":567.41504},{"sentences":[{"text":"Okay.","start":568.91504,"end":569.395,"sentiment":"neutral","sentiment_score":0.1612207144498825},{"text":"Perfect.","start":569.395,"end":569.895,"sentiment":"positive","sentiment_score":0.3645327687263489},{"text":"Now would you ever consider taking out a loan to buy an investment property?","start":571.8,"end":577.74,"sentiment":"neutral","sentiment_score":0.09586044108229023},{"text":"No.","start":583.07996,"end":583.56,"sentiment":"neutral","sentiment_score":-0.17270290851593018},{"text":"No.","start":583.56,"end":583.8,"sentiment":"neutral","sentiment_score":-0.18517820537090304}],"sentiment":"neutral","sentiment_score":0.0838843635800812,"num_words":18,"start":568.91504,"end":583.8},{"sentences":[{"text":"That's all good.","start":583.8,"end":585.01996,"sentiment":"neutral","sentiment_score":0.022684132680296898},{"text":"Now, Richard, that basically tells me here that you have come out a little bit more defensive than how we currently have you invested in.","start":586.675,"end":595.655,"sentiment":"neutral","sentiment_score":-0.03739671289920807},{"text":"So at the moment, we have you invested in a high growth portfolio, and you have come out kind of as more of your growth kind of borderline balance growth investors.","start":596.035,"end":607.31,"sentiment":"neutral","sentiment_score":0.04511838790870482},{"text":"Do you know the difference between those at all?","start":608.33,"end":612.445,"sentiment":"neutral","sentiment_score":-0.019989686293734446},{"text":"Nope.","start":612.585,"end":613.085,"sentiment":"neutral","sentiment_score":-0.040512025356292725}],"sentiment":"neutral","sentiment_score":0.0045128318656613865,"num_words":69,"start":583.8,"end":613.085},{"sentences":[{"text":"That's all good.","start":613.22504,"end":614.425,"sentiment":"neutral","sentiment_score":0.1567009836435318},{"text":"Now, essentially, a high growth investor is someone that's looking at getting as much growth as you possibly can out of super while you still have plenty of time until retirement.","start":614.425,"end":625.07996,"sentiment":"neutral","sentiment_score":0.1376291668463138},{"text":"Also, someone who is comfortable with and understand that there will be some fluctuations in the short term in order to achieve that growth in the long term.","start":625.7,"end":637.39996,"sentiment":"neutral","sentiment_score":0.0772116303976093},{"text":"So when we are talking about how the money is invested in a high growth portfolio, we typically see about 90% invested in what we would call your growth assets.","start":638.255,"end":652.11005,"sentiment":"neutral","sentiment_score":0.15654451871911684},{"text":"Now this is a combination of Australian shares, international shares, and property as well, and that is what's going to maximize those returns for you over the long term.","start":652.57,"end":664.175,"sentiment":"neutral","sentiment_score":0.30555027671929064}],"sentiment":"neutral","sentiment_score":0.16905641620439932,"num_words":121,"start":613.22504,"end":664.175},{"sentences":[{"text":"And then you do have about 10% in defensive.","start":664.555,"end":668.095,"sentiment":"neutral","sentiment_score":0.21295961737632751},{"text":"So that is like your cash, your gold, your fixed interest limit fluctuations a little bit.","start":668.71497,"end":674.255,"sentiment":"neutral","sentiment_score":0.20218688435852528},{"text":"Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations.","start":675.115,"end":680.87,"sentiment":"neutral","sentiment_score":0.034988710191100836},{"text":"In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market.","start":681.97003,"end":691.03,"sentiment":"neutral","sentiment_score":0.06210458010435104},{"text":"Now one step down, so a growth portfolio, it is fairly similar, but it's about a 10% difference.","start":691.875,"end":700.53503,"sentiment":"neutral","sentiment_score":0.09388397716813618}],"sentiment":"neutral","sentiment_score":0.10036828089505434,"num_words":92,"start":664.555,"end":700.53503},{"sentences":[{"text":"So you then look at about 80% in growth and 20 in defensive, so 10% more in defensive.","start":700.59503,"end":708.44,"sentiment":"neutral","sentiment_score":0.09138904015223186},{"text":"So the difference between that is that in your growth portfolio, you might not have as much fluctuations as you do in a higher growth.","start":709.22003,"end":717.64,"sentiment":"neutral","sentiment_score":0.04200170502066612},{"text":"But then on the long term, you might not have as high returns at the same time.","start":718.145,"end":723.445,"sentiment":"neutral","sentiment_score":-0.040823448887642694},{"text":"A growth price yeah.","start":725.585,"end":727.84503,"sentiment":"neutral","sentiment_score":0.05412323959171772},{"text":"You are in the high growth.","start":728.145,"end":729.505,"sentiment":"neutral","sentiment_score":0.11600095344086488}],"sentiment":"neutral","sentiment_score":0.04162207708827087,"num_words":70,"start":700.59503,"end":729.505},{"sentences":[{"text":"Yes.","start":729.505,"end":730.005,"sentiment":"neutral","sentiment_score":0.1189240738749504},{"text":"Keep it like that.","start":733.39,"end":734.26996,"sentiment":"neutral","sentiment_score":0.0866729412227869},{"text":"Yep.","start":734.26996,"end":734.67,"sentiment":"neutral","sentiment_score":0.07200606167316437},{"text":"No.","start":734.67,"end":734.91,"sentiment":"neutral","sentiment_score":0.007622212171554565},{"text":"That's okay.","start":734.91,"end":735.73,"sentiment":"neutral","sentiment_score":0.0960536990314722}],"sentiment":"neutral","sentiment_score":0.08192794563041793,"num_words":9,"start":729.505,"end":735.73},{"sentences":[{"text":"And you still have that eight years, you know, until you can get the money.","start":736.83,"end":743.57,"sentiment":"neutral","sentiment_score":0.05439962868889173},{"text":"And if anything Yeah.","start":744.67,"end":750.65497,"sentiment":"neutral","sentiment_score":0.06355324387550354},{"text":"Perfect.","start":751.035,"end":751.535,"sentiment":"neutral","sentiment_score":0.3021870255470276},{"text":"No.","start":752.955,"end":753.275,"sentiment":"neutral","sentiment_score":-0.01124044507741928},{"text":"If anything does change, we can always reassess at HTS.","start":753.275,"end":755.755,"sentiment":"neutral","sentiment_score":-0.02476324455346912}],"sentiment":"neutral","sentiment_score":0.035920049702267975,"num_words":31,"start":736.83,"end":755.755},{"sentences":[{"text":"So, obviously, the closer you get, if you then wanna start looking at reducing that, we can do that.","start":755.755,"end":761.54004,"sentiment":"neutral","sentiment_score":-0.0573356910363624},{"text":"But, otherwise, I will leave that in that high growth for now.","start":761.54004,"end":764.84,"sentiment":"neutral","sentiment_score":0.00511356412122647},{"text":"And like I said, if you ever change your mind, you can just let us know.","start":764.9,"end":768.36005,"sentiment":"neutral","sentiment_score":0.09059236757457256},{"text":"Yep.","start":769.46,"end":769.86005,"sentiment":"neutral","sentiment_score":0.22071248292922976},{"text":"Perfect.","start":769.86005,"end":770.36005,"sentiment":"positive","sentiment_score":0.3628236651420593}],"sentiment":"neutral","sentiment_score":0.020510176918944533,"num_words":49,"start":755.755,"end":770.36005},{"sentences":[{"text":"Now, Richard, do you have access to your emails at the moment?","start":770.955,"end":774.09503,"sentiment":"neutral","sentiment_score":0.1330056426425775},{"text":"Yep.","start":775.67505,"end":776.075,"sentiment":"neutral","sentiment_score":0.13726243376731873},{"text":"Okay.","start":776.075,"end":776.55505,"sentiment":"neutral","sentiment_score":0.17969851195812225},{"text":"So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time.","start":776.55505,"end":788.82,"sentiment":"neutral","sentiment_score":0.2812924372988778},{"text":"Now let me know.","start":792.72,"end":794.08,"sentiment":"neutral","sentiment_score":0.17611604183912277}],"sentiment":"neutral","sentiment_score":0.23682387281547893,"num_words":55,"start":770.955,"end":794.08},{"sentences":[{"text":"So it should ask you to click on a link.","start":794.08,"end":796.66,"sentiment":"neutral","sentiment_score":0.1959687203168869},{"text":"It will allow you to look at all the documents first, though, just to make sure you are happy before it prompts you to sign anything.","start":797.6,"end":804.555,"sentiment":"neutral","sentiment_score":0.2208200515462802},{"text":"Yes.","start":813.815,"end":814.26,"sentiment":"neutral","sentiment_score":0.08066444098949432},{"text":"Yep.","start":814.5,"end":815.0,"sentiment":"neutral","sentiment_score":0.08466371148824692},{"text":"If you press that one, it should open up a couple of attachments.","start":815.06,"end":818.12,"sentiment":"neutral","sentiment_score":0.024299535183952406}],"sentiment":"neutral","sentiment_score":0.16043589516159365,"num_words":51,"start":794.08,"end":818.12},{"sentences":[{"text":"Doesn't let me know what you can see.","start":824.66003,"end":826.755,"sentiment":"neutral","sentiment_score":-0.031707750633358955},{"text":"The first one should The first one should say summary of superannuation and insurance.","start":840.355,"end":845.11,"sentiment":"neutral","sentiment_score":0.0018540272722020745},{"text":"Oh, yeah.","start":845.89,"end":846.21,"sentiment":"neutral","sentiment_score":0.011170197743922472},{"text":"You can see that one?","start":846.21,"end":847.35,"sentiment":"neutral","sentiment_score":0.01070801317691803},{"text":"Yep.","start":848.29,"end":848.79,"sentiment":"neutral","sentiment_score":0.017217358574271202}],"sentiment":"neutral","sentiment_score":-0.004486926776977877,"num_words":30,"start":824.66003,"end":848.79},{"sentences":[{"text":"Yep.","start":852.93,"end":853.33,"sentiment":"neutral","sentiment_score":0.13885653018951416},{"text":"Perfect.","start":853.33,"end":853.83,"sentiment":"positive","sentiment_score":0.43494582176208496},{"text":"So that one here gives you a bit of a breakdown of your super and your Now I did have a quick look at your super balance as of last year as well just to see for that comparison for you.","start":854.53,"end":866.455,"sentiment":"neutral","sentiment_score":0.10514926474268843},{"text":"And when we spoke doing that in review last year, your super balance was at a 135,993.","start":866.515,"end":874.22003,"sentiment":"neutral","sentiment_score":0.05719010049805922},{"text":"And you can see that it's now up at a 149,721.","start":874.52,"end":879.98004,"sentiment":"neutral","sentiment_score":0.07585917074571956}],"sentiment":"neutral","sentiment_score":0.09424795483199644,"num_words":71,"start":852.93,"end":879.98004},{"sentences":[{"text":"Now underneath that, you then also have your ClearView insurance, and you have your life and total permanent disability insurance, and that is covering you for 327,069 if something were to happen.","start":881.4,"end":899.35504,"sentiment":"neutral","sentiment_score":0.06185647798702121},{"text":"Are you still comfortable with the level of cover you have for life and TPD, or or what are your thoughts on that?","start":900.28,"end":906.7,"sentiment":"neutral","sentiment_score":0.0067031019083831625},{"text":"That that's pretty good.","start":909.4,"end":911.16003,"sentiment":"positive","sentiment_score":0.4123632684350014},{"text":"Yep.","start":911.16003,"end":911.64,"sentiment":"neutral","sentiment_score":0.2970728278160095},{"text":"Beautiful.","start":911.64,"end":912.14,"sentiment":"positive","sentiment_score":0.4862176477909088}],"sentiment":"neutral","sentiment_score":0.07485774080040025,"num_words":61,"start":881.4,"end":912.14},{"sentences":[{"text":"Now you then also have an income protection policy, and that will pay you a monthly amount of $7,631 per month, which pretty much adds up very close to the income of the 130, which would be about 7,583.","start":912.755,"end":933.25995,"sentiment":"neutral","sentiment_score":0.19884406832548288},{"text":"So pretty spot on with the monthly benefit amount.","start":933.25995,"end":936.56,"sentiment":"neutral","sentiment_score":0.29566141466299695},{"text":"You do have that ninety day waiting period and a two year benefit period.","start":937.505,"end":942.005,"sentiment":"neutral","sentiment_score":0.15613133353846415},{"text":"Do you have any questions in regards to the income protection or wanting to make any changes or still happy with that?","start":942.545,"end":951.62,"sentiment":"neutral","sentiment_score":0.08671226318586957},{"text":"Yep.","start":951.62,"end":952.12,"sentiment":"neutral","sentiment_score":0.03996967524290085}],"sentiment":"neutral","sentiment_score":0.1711688180180157,"num_words":85,"start":912.755,"end":952.12},{"sentences":[{"text":"Yes.","start":952.74,"end":953.24,"sentiment":"neutral","sentiment_score":0.09736543148756029},{"text":"Yep.","start":953.54004,"end":953.86,"sentiment":"neutral","sentiment_score":0.14772622287273407},{"text":"Beautiful.","start":953.86,"end":954.36,"sentiment":"positive","sentiment_score":0.4078400135040283},{"text":"Now you have all those three structured from within superannuation.","start":955.38,"end":958.92004,"sentiment":"neutral","sentiment_score":0.19040872156620026},{"text":"You do get a 15% tax rebate, and the premium for those three is 6,595.","start":960.10004,"end":968.735,"sentiment":"neutral","sentiment_score":0.171623199681441}],"sentiment":"neutral","sentiment_score":0.18326310281242644,"num_words":28,"start":952.74,"end":968.735},{"sentences":[{"text":"So, obviously, the insurances does get more more expensive the older you get.","start":969.27496,"end":974.015,"sentiment":"neutral","sentiment_score":-0.1017576980476196},{"text":"You're still happy with all your insurances and everything?","start":974.875,"end":978.10004,"sentiment":"neutral","sentiment_score":0.2954603499836392},{"text":"Yep.","start":980.08,"end":980.4,"sentiment":"neutral","sentiment_score":0.10267767310142516},{"text":"Okay.","start":980.4,"end":980.72003,"sentiment":"neutral","sentiment_score":0.22094032168388367},{"text":"Beautiful.","start":980.72003,"end":981.22003,"sentiment":"neutral","sentiment_score":0.08033671975135803}],"sentiment":"neutral","sentiment_score":0.06960991159081459,"num_words":25,"start":969.27496,"end":981.22003},{"sentences":[{"text":"Now next document for me, Richard, should be a performance report with Net Wealth.","start":981.60004,"end":991.045,"sentiment":"neutral","sentiment_score":0.03911494969257286},{"text":"Yep.","start":991.825,"end":992.325,"sentiment":"neutral","sentiment_score":0.05935482308268547},{"text":"Now you have two added there for you.","start":992.785,"end":995.505,"sentiment":"neutral","sentiment_score":0.06321100099012256},{"text":"So one is twelve months, and one is three months.","start":995.505,"end":999.125,"sentiment":"neutral","sentiment_score":0.03595310766249895},{"text":"And that is just to show the change that we did make to one of your investments.","start":999.505,"end":1004.21,"sentiment":"neutral","sentiment_score":0.05352166404618936}],"sentiment":"neutral","sentiment_score":0.047641029842197896,"num_words":50,"start":981.60004,"end":1004.21},{"sentences":[{"text":"So I'm not sure if you remember receiving an email from us back in March in regards to changing one of the investments for you.","start":1004.83,"end":1013.345,"sentiment":"neutral","sentiment_score":-0.015633880072273315},{"text":"It was Yep.","start":1013.485,"end":1016.125,"sentiment":"neutral","sentiment_score":0.0927814207971096},{"text":"Perfect.","start":1016.125,"end":1016.625,"sentiment":"positive","sentiment_score":0.4573094844818115},{"text":"So if you look at the twelve month report first, it should be the first one.","start":1016.76495,"end":1021.665,"sentiment":"neutral","sentiment_score":0.2723117247223854},{"text":"The one that we did change for you so the investment committee does a lot of research, obviously, on all the investments all the time.","start":1022.925,"end":1030.03,"sentiment":"neutral","sentiment_score":0.18966502472758293}],"sentiment":"neutral","sentiment_score":0.13490599941162926,"num_words":70,"start":1004.83,"end":1030.03},{"sentences":[{"text":"And if there is an investment that is slightly underperforming and we foresee it not being the best investment option for you moving forward, we do wanna take that kind of proactive approach in swapping things for you and making sure that your super and everything continues to grow.","start":1030.49,"end":1047.125,"sentiment":"neutral","sentiment_score":0.09481110089287466},{"text":"That all make sense?","start":1047.125,"end":1048.185,"sentiment":"neutral","sentiment_score":0.09404762648046017},{"text":"Yeah.","start":1048.9651,"end":1049.285,"sentiment":"neutral","sentiment_score":0.1059403195977211},{"text":"Yeah.","start":1049.285,"end":1049.605,"sentiment":"neutral","sentiment_score":0.20847418904304504},{"text":"Beautiful.","start":1049.605,"end":1050.105,"sentiment":"positive","sentiment_score":0.4235906600952149}],"sentiment":"neutral","sentiment_score":0.10285606461444072,"num_words":56,"start":1030.49,"end":1050.105},{"sentences":[{"text":"So, basically correct.","start":1050.405,"end":1053.785,"sentiment":"neutral","sentiment_score":0.14002934098243713},{"text":"So on the twelve month report here, you can see that there was only one investment that was underperforming or was down.","start":1053.925,"end":1061.6,"sentiment":"neutral","sentiment_score":0.03293146184560927},{"text":"Everything else was doing good, and that was the Benelong Australian Equity Investment, so which is the one we changed for you.","start":1061.6,"end":1070.195,"sentiment":"neutral","sentiment_score":0.1283488514071161},{"text":"So then on the next document, the three month period, you can then kind of see the change, and you can see that when having a look at that one, you no longer had the Benelung investment, and instead, you had that substitute of the BetaShares Australia two 100, which is positive and going up, which is good.","start":1070.735,"end":1092.21,"sentiment":"neutral","sentiment_score":0.1866750325365313},{"text":"Yep.","start":1094.11,"end":1094.51,"sentiment":"neutral","sentiment_score":0.04736144840717316}],"sentiment":"neutral","sentiment_score":0.1400261155663515,"num_words":106,"start":1050.405,"end":1094.51},{"sentences":[{"text":"Any questions in regards to any of that?","start":1094.51,"end":1096.755,"sentiment":"neutral","sentiment_score":0.02877040789462626},{"text":"Well, that's pretty straightforward.","start":1096.835,"end":1098.055,"sentiment":"neutral","sentiment_score":0.19304322078824043},{"text":"Makes sense.","start":1100.835,"end":1101.655,"sentiment":"neutral","sentiment_score":0.027016951702535152},{"text":"Yeah.","start":1102.435,"end":1102.935,"sentiment":"neutral","sentiment_score":0.03144156560301781},{"text":"No.","start":1103.235,"end":1103.475,"sentiment":"neutral","sentiment_score":0.015511658042669296}],"sentiment":"neutral","sentiment_score":0.06895770458504558,"num_words":16,"start":1094.51,"end":1103.475},{"sentences":[{"text":"That's all good.","start":1103.475,"end":1104.595,"sentiment":"neutral","sentiment_score":0.16413758198420206},{"text":"Essentially, we just take that one investment, and that was one Australian investment for another Australian investment.","start":1104.595,"end":1110.615,"sentiment":"neutral","sentiment_score":0.07493955050321187},{"text":"The beta share is performing a bit better than the Bennelong, which is great.","start":1111.91,"end":1115.91,"sentiment":"positive","sentiment_score":0.5210268901927131},{"text":"It's a little bit cheaper as well, which again is good.","start":1115.91,"end":1118.89,"sentiment":"positive","sentiment_score":0.4767711582508954},{"text":"And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market.","start":1119.4299,"end":1130.735,"sentiment":"neutral","sentiment_score":0.1375935722527833}],"sentiment":"neutral","sentiment_score":0.2472359176121048,"num_words":74,"start":1103.475,"end":1130.735},{"sentences":[{"text":"Whereas the new one, it's kind of tracking the 200 largest companies in Australia.","start":1132.075,"end":1137.295,"sentiment":"neutral","sentiment_score":0.14667062142065593},{"text":"So very diversified, and if there is a bit of to one company, it won't impact it as much because you do have 200 different companies within just the one investment.","start":1137.675,"end":1147.98,"sentiment":"neutral","sentiment_score":0.154144485871638},{"text":"Does that kind of make sense?","start":1148.6799,"end":1150.22,"sentiment":"neutral","sentiment_score":0.07772351863483588},{"text":"Yep.","start":1151.08,"end":1151.4,"sentiment":"neutral","sentiment_score":0.169134259223938},{"text":"Yep.","start":1151.4,"end":1151.72,"sentiment":"neutral","sentiment_score":0.30611222982406616}],"sentiment":"neutral","sentiment_score":0.14666896910881097,"num_words":53,"start":1132.075,"end":1151.72},{"sentences":[{"text":"Beautiful.","start":1151.72,"end":1152.22,"sentiment":"positive","sentiment_score":0.6413528919219971},{"text":"Now the next document for me there, which should should be your certificate of currency, or it's a Vanguard index charge.","start":1153.08,"end":1163.365,"sentiment":"neutral","sentiment_score":0.16626686177083425},{"text":"What can you see?","start":1164.5449,"end":1165.6849,"sentiment":"neutral","sentiment_score":0.07487166486680508},{"text":"So it's probably the Clearview one for you.","start":1168.225,"end":1170.8849,"sentiment":"neutral","sentiment_score":0.20158864744007587},{"text":"It basically just breaks down your insurances in a bit more information, lets you know that's all paid and up to date for you.","start":1171.0901,"end":1177.8301,"sentiment":"neutral","sentiment_score":0.2038003740211328}],"sentiment":"neutral","sentiment_score":0.18855796214835396,"num_words":58,"start":1151.72,"end":1177.8301},{"sentences":[{"text":"Yep.","start":1178.93,"end":1179.3301,"sentiment":"neutral","sentiment_score":0.2510424852371216},{"text":"Beautiful.","start":1179.3301,"end":1179.8301,"sentiment":"positive","sentiment_score":0.5247330665588379},{"text":"And if you wanna click next for me.","start":1179.89,"end":1181.91,"sentiment":"neutral","sentiment_score":0.1700686113908887},{"text":"Yep.","start":1185.3301,"end":1185.615,"sentiment":"neutral","sentiment_score":0.05427892133593559},{"text":"Yep.","start":1186.495,"end":1186.995,"sentiment":"neutral","sentiment_score":0.04773147404193878}],"sentiment":"neutral","sentiment_score":0.18652790319174528,"num_words":12,"start":1178.93,"end":1186.995},{"sentences":[{"text":"And what does it say at the top?","start":1187.0549,"end":1188.735,"sentiment":"neutral","sentiment_score":0.028032225323840976},{"text":"Is that pink and says clear view?","start":1188.735,"end":1190.755,"sentiment":"neutral","sentiment_score":0.03932432151798691},{"text":"Okay.","start":1198.735,"end":1199.135,"sentiment":"neutral","sentiment_score":0.052834995090961456},{"text":"Yep.","start":1199.135,"end":1199.375,"sentiment":"neutral","sentiment_score":0.055701397359371185},{"text":"So you're kind of still on that report, the one we just kinda went through.","start":1199.375,"end":1203.1001,"sentiment":"neutral","sentiment_score":0.029068176945050556}],"sentiment":"neutral","sentiment_score":0.032627721870085225,"num_words":32,"start":1187.0549,"end":1203.1001},{"sentences":[{"text":"Yes, please.","start":1204.4401,"end":1205.26,"sentiment":"neutral","sentiment_score":0.04300636239349842},{"text":"Yes.","start":1205.4,"end":1205.9,"sentiment":"neutral","sentiment_score":0.03921546787023544},{"text":"Yeah.","start":1209.16,"end":1209.4801,"sentiment":"neutral","sentiment_score":0.059708140790462494},{"text":"So this is the one that shows your insurances again in more information.","start":1209.4801,"end":1214.5549,"sentiment":"neutral","sentiment_score":0.07447166912830792},{"text":"Now if you can press next for me.","start":1216.855,"end":1219.195,"sentiment":"neutral","sentiment_score":0.049651313573122025}],"sentiment":"neutral","sentiment_score":0.06201114162802696,"num_words":25,"start":1204.4401,"end":1219.195},{"sentences":[{"text":"Yep.","start":1223.975,"end":1224.475,"sentiment":"neutral","sentiment_score":0.0953904390335083},{"text":"You probably have seen this a few times.","start":1224.5349,"end":1226.695,"sentiment":"neutral","sentiment_score":0.06974446261301637},{"text":"It is one of those compliance documents.","start":1226.695,"end":1228.955,"sentiment":"neutral","sentiment_score":0.09079931144203458},{"text":"But it basically gives you all the important information in regards to us here at Oakview.","start":1229.49,"end":1234.23,"sentiment":"neutral","sentiment_score":0.12699370784685016},{"text":"None of the important information has changed.","start":1235.25,"end":1237.33,"sentiment":"neutral","sentiment_score":-0.024661660194396973}],"sentiment":"neutral","sentiment_score":0.08072330831335141,"num_words":39,"start":1223.975,"end":1237.33},{"sentences":[{"text":"You can have a bit of a read through all the directors, our advisers, and everybody in there, but I'll let you do that in your own time so I don't keep you for too long.","start":1237.33,"end":1246.315,"sentiment":"neutral","sentiment_score":0.04581536885557903},{"text":"Now if you wanna press next for me, Richard.","start":1248.0549,"end":1250.235,"sentiment":"neutral","sentiment_score":0.06461302563548088},{"text":"Yep.","start":1252.535,"end":1252.775,"sentiment":"neutral","sentiment_score":0.05259542167186737},{"text":"What can you see now?","start":1252.775,"end":1254.075,"sentiment":"neutral","sentiment_score":0.04070754498243332},{"text":"Yep.","start":1258.71,"end":1259.1901,"sentiment":"neutral","sentiment_score":0.015114551410079002}],"sentiment":"neutral","sentiment_score":0.048117657836813196,"num_words":52,"start":1237.33,"end":1259.1901},{"sentences":[{"text":"So this is your ongoing service agreement, which is just to say that you are happy to stay on as a client.","start":1259.1901,"end":1266.57,"sentiment":"positive","sentiment_score":0.6099852608008818},{"text":"Now, Richard, there is no changes whatsoever in regards to the fee structure for you.","start":1267.455,"end":1272.255,"sentiment":"neutral","sentiment_score":0.12530898451805114},{"text":"It stays exactly the same at that 1.65 from super, but no changes at all in regards to that.","start":1272.255,"end":1279.5549,"sentiment":"neutral","sentiment_score":0.2755165802020776},{"text":"And it is also not a lock in contract.","start":1279.775,"end":1280.527,"sentiment":"neutral","sentiment_score":0.0379641457564301},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1280.527,"end":1286.5901,"sentiment":"neutral","sentiment_score":-0.022929758454362553}],"sentiment":"neutral","sentiment_score":0.24654297817902393,"num_words":83,"start":1259.1901,"end":1286.5901},{"sentences":[{"text":"But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime.","start":1286.89,"end":1292.9901,"sentiment":"positive","sentiment_score":0.3520167689947855},{"text":"Yep.","start":1294.3301,"end":1294.4901,"sentiment":"neutral","sentiment_score":0.11077906936407088},{"text":"So if you're happy to do so, this one here will ask for your signature at the bottom.","start":1294.4901,"end":1299.385,"sentiment":"neutral","sentiment_score":0.1467706614898311},{"text":"Yep.","start":1301.125,"end":1301.625,"sentiment":"neutral","sentiment_score":0.198308989405632},{"text":"Perfect.","start":1301.845,"end":1302.345,"sentiment":"positive","sentiment_score":0.5338658690452576}],"sentiment":"neutral","sentiment_score":0.2589804281791051,"num_words":42,"start":1286.89,"end":1302.345},{"sentences":[{"text":"And that should be the last one.","start":1303.445,"end":1305.625,"sentiment":"positive","sentiment_score":0.36118022884641376},{"text":"So once you've added the signature, it should say validate, I believe.","start":1306.325,"end":1310.37,"sentiment":"neutral","sentiment_score":0.19184457634886107},{"text":"Yes.","start":1314.93,"end":1315.41,"sentiment":"neutral","sentiment_score":0.11516613513231276},{"text":"Yep.","start":1315.41,"end":1315.65,"sentiment":"neutral","sentiment_score":0.11169885098934174},{"text":"That's the correct place.","start":1315.65,"end":1316.95,"sentiment":"neutral","sentiment_score":0.1463952213525772}],"sentiment":"neutral","sentiment_score":0.22571369558572768,"num_words":25,"start":1303.445,"end":1316.95},{"sentences":[{"text":"And it should ask you to draw yep.","start":1322.85,"end":1325.835,"sentiment":"neutral","sentiment_score":0.10491264145821333},{"text":"Yes.","start":1328.855,"end":1329.355,"sentiment":"neutral","sentiment_score":0.18793439865112305},{"text":"Perfect.","start":1329.495,"end":1329.995,"sentiment":"positive","sentiment_score":0.3452843427658081},{"text":"And when you press validate, sometimes it takes a minute to load.","start":1331.1749,"end":1335.035,"sentiment":"neutral","sentiment_score":0.08240726217627525},{"text":"Yeah.","start":1336.0549,"end":1336.5549,"sentiment":"neutral","sentiment_score":0.20080843567848208}],"sentiment":"neutral","sentiment_score":0.11140067195114882,"num_words":23,"start":1322.85,"end":1336.5549},{"sentences":[{"text":"Perfect.","start":1337.1749,"end":1337.67,"sentiment":"positive","sentiment_score":0.528393030166626},{"text":"So, basically, what it does, it is just sending it back to me, and I can get that all uploaded for you.","start":1337.75,"end":1343.61,"sentiment":"positive","sentiment_score":0.37462947314435785},{"text":"It will also allow you to download a copy if you ever wanna go back and have a look at the documents.","start":1343.75,"end":1348.9701,"sentiment":"neutral","sentiment_score":0.29993942244486377},{"text":"Yeah.","start":1351.03,"end":1351.27,"sentiment":"neutral","sentiment_score":0.28966426849365234},{"text":"So that's all there for you.","start":1351.27,"end":1352.87,"sentiment":"positive","sentiment_score":0.39627933502197266}],"sentiment":"positive","sentiment_score":0.3468509425337498,"num_words":52,"start":1337.1749,"end":1352.87},{"sentences":[{"text":"So, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you.","start":1352.87,"end":1363.3251,"sentiment":"neutral","sentiment_score":0.27412138832733035},{"text":"It's already in place with Super.","start":1363.3251,"end":1365.345,"sentiment":"neutral","sentiment_score":0.27487020939588547},{"text":"Otherwise, that was essentially everything that I needed to touch off on on my end.","start":1366.285,"end":1370.7101,"sentiment":"neutral","sentiment_score":0.22319815556208292},{"text":"But do you have any other questions for me at this point, Richard?","start":1370.77,"end":1374.0701,"sentiment":"neutral","sentiment_score":0.05681343347980426},{"text":"No.","start":1375.49,"end":1375.99,"sentiment":"neutral","sentiment_score":-0.2681734263896942}],"sentiment":"neutral","sentiment_score":0.2125295406735655,"num_words":67,"start":1352.87,"end":1375.99},{"sentences":[{"text":"Yep.","start":1377.0901,"end":1377.5701,"sentiment":"neutral","sentiment_score":0.06206854805350304},{"text":"Alright.","start":1377.5701,"end":1377.9701,"sentiment":"neutral","sentiment_score":0.27819904685020447},{"text":"Beautiful.","start":1377.9701,"end":1378.4701,"sentiment":"positive","sentiment_score":0.471159964799881},{"text":"If you do, you know, just just let us know.","start":1378.61,"end":1381.7301,"sentiment":"neutral","sentiment_score":0.21019455790519714},{"text":"Just send us an email or give us a call.","start":1381.7301,"end":1384.005,"sentiment":"neutral","sentiment_score":0.10615070313215255}],"sentiment":"neutral","sentiment_score":0.17282087695987328,"num_words":23,"start":1377.0901,"end":1384.005},{"sentences":[{"text":"Or if anything changes for you and you ever wanna review your investments or insurances or anything, you can always just give us a call whenever you want to.","start":1384.245,"end":1394.165,"sentiment":"neutral","sentiment_score":0.15389975520043536},{"text":"Yeah.","start":1394.165,"end":1394.665,"sentiment":"neutral","sentiment_score":0.31271785497665405},{"text":"No problem at all.","start":1394.885,"end":1395.685,"sentiment":"positive","sentiment_score":0.45740070939064026},{"text":"Well, I will let you go, and enjoy the rest of your evening there, Richard.","start":1395.685,"end":1399.45,"sentiment":"positive","sentiment_score":0.6660356521606445},{"text":"And anything you need, just let us know.","start":1399.45,"end":1401.39,"sentiment":"positive","sentiment_score":0.40044231340289116}],"sentiment":"positive","sentiment_score":0.3473594189997305,"num_words":57,"start":1384.245,"end":1401.39},{"sentences":[{"text":"Okay.","start":1402.8099,"end":1403.3099,"sentiment":"positive","sentiment_score":0.5037376880645752},{"text":"No worries.","start":1403.85,"end":1404.4099,"sentiment":"neutral","sentiment_score":0.29447323083877563},{"text":"You too.","start":1404.4099,"end":1404.89,"sentiment":"neutral","sentiment_score":0.29425204545259476},{"text":"Thanks.","start":1404.89,"end":1405.39,"sentiment":"positive","sentiment_score":0.6295740604400635},{"text":"Bye.","start":1405.85,"end":1406.35,"sentiment":"positive","sentiment_score":0.3662011623382568}],"sentiment":"positive","sentiment_score":0.382423351917948,"num_words":7,"start":1402.8099,"end":1406.35}]}}]},{"alternatives":[{"transcript":"Hello. Richard speaking. Yeah. Not bad. How are you? Yep. Yep. Richard Moore. 4477449 Buck Street, Gunline, New South Wales 2380. Yep. Very. Yep. No. No. I think you see them pretty much. Yeah. Nope. Yep. Nice and no. I've got kids. No. They're young young. It's always been like that. Well, I've got a 19 year old, but he's he's got his own job. And I've got a thirty year now, David, 30. And what's that? 12. Yep. And was that? Yep. No. Yep. No. Still the same. It's probably going up a little bit now. I would say well, it's hard to say. It's but it's probably going up to $1.30, but it can be more. Yeah. Yeah. It's probably about the same still. Yep. Yep. Pardon? It's probably a little bit more. I'm sorry. It'd be around 25. Oh, yeah. It was no. It wouldn't be that much. Probably only be at 20. Yeah. Yep. Yeah. Yeah. I was probably a little bit I was probably about 25 now. Probably less than that. But yeah. Yeah. No. Not really. No. I put I put I put batteries on, actually. Yeah. The solar battery backup on the battery, you know, you know, since we're all going green. I think it went through with the missus or something like $25. Yeah. It's one of them. My wife got a loan through her name. Let's get it done. Yeah. I'm not quite sure what's through that's through. No. Not yet. I'm not going anywhere yet, I hope. Yep. Yep. I'm out of. Is that a while ago? Yeah. I think that was something about the wheel and something like that. And I was getting I was gonna get one of my girls that worked up and look it up for me because I wasn't just quite sure about a few wordings. Yes. If you could, please. Yep. Yeah. Yeah. I don't wanna work. Yeah. I'm pretty sure I'll print them off last time. I just sorta understand them a bit more, the legally sort of it. That's all. Because one of our girls used to work at solicitors. I'm not I was just gonna get over. Have you on the road about it. She'll understand it. Explaining in Cayman terms to me. Yep. Will do. Yeah. Yeah. Just trying to get out of here, you know, get those last few bills paid off, get rid of this mortgage, and then yeah. Yep. No. I hope that I I probably get it at 60. Yes. Yeah. Hello. I was probably getting moderate. Just for just get you timed at the moment, I think. Probably no. It's been hard to lose. Whatever, guys. Yeah. It comes back up. So, yeah, for this yeah. Just sort of hold it. Yeah. Not me. I wouldn't. Yeah. Yep. Yep. Not really. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yeah. So what am I in now? I'm in the high growth, am I? Yeah. I might just keep it like that. Yeah. It's yeah. My wife's gotta work for another ten years after I retire anyway, so we should be alright. Yeah. Yes. Yep. Yep. What's the SAW document? Yep. Well, Yeah. I see. Yeah. Yep. Yep. That's yeah. What what does it say? A summary separation insertion. Yep. Yes. Yep. No. That's yeah. Still pretty good, I reckon. Yep. Thanks. Yeah. Still pretty happy. I still cover everything. What's going on? Yep. Yeah. Yep. Yeah. I did save an email there. Yeah. Yep. K. Yep. Yep. I wanna go off, not damn. Yeah. Yep. Please. Can you put me ahead around that? Yep. Yeah. Oh, yeah. Yeah. Yeah. Yeah. Yep. Lots of numbers. Yep. Yep. More numbers. It says net wealth. Asset performance details. Oh, yeah. I know the the next one, next document. Oh, yep. Certificate of currency. Clearview. Yep. Yeah. I view services guide. Yep. Yep. Net wealth, advice fees, concert renewal. Yep. Yep. Yep. Yep. Yep. Yeah. I'm just going into the sewing signature. Yep. Yeah. Updated. Yep. Validate. Yep. Yeah. It's loading loading now. Yep. Oh, yeah. No. No. Not not yet. What I'm thinking. That'd be great. Yeah. Thank you very much for your time. Alright. Bye.","confidence":0.9345703,"words":[{"word":"hello","start":0.39999998,"end":0.88,"confidence":0.7609863,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.034875381737947464},{"word":"richard","start":0.88,"end":1.28,"confidence":0.9716797,"punctuated_word":"Richard","sentiment":"neutral","sentiment_score":0.0357554592192173},{"word":"speaking","start":1.28,"end":1.78,"confidence":0.99902344,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.04445227235555649},{"word":"yeah","start":6.3999996,"end":6.72,"confidence":0.84228516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18623784184455872},{"word":"not","start":6.72,"end":6.8799996,"confidence":0.96533203,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.34813714027404785},{"word":"bad","start":6.8799996,"end":7.12,"confidence":0.9995117,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.30289390683174133},{"word":"how","start":7.12,"end":7.2,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2241460233926773},{"word":"are","start":7.2,"end":7.3599997,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18727055191993713},{"word":"you","start":7.3599997,"end":7.8599997,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2871856391429901},{"word":"yep","start":14.785,"end":15.285,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.34447407722473145},{"word":"yep","start":25.265,"end":25.765,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1329568326473236},{"word":"richard","start":36.64,"end":37.12,"confidence":0.79052734,"punctuated_word":"Richard","sentiment":"neutral","sentiment_score":0.020782597362995148},{"word":"moore","start":37.12,"end":37.44,"confidence":0.5560303,"punctuated_word":"Moore.","sentiment":"neutral","sentiment_score":0.014697098173201084},{"word":"4477449","start":37.44,"end":39.199997,"confidence":0.8275604,"punctuated_word":"4477449","sentiment":"neutral","sentiment_score":0.016377972438931465},{"word":"buck","start":39.199997,"end":39.405,"confidence":0.36157227,"punctuated_word":"Buck","sentiment":"neutral","sentiment_score":0.01990610733628273},{"word":"street","start":39.405,"end":39.645,"confidence":0.9838867,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.02185340970754623},{"word":"gunline","start":39.645,"end":40.125,"confidence":0.68497723,"punctuated_word":"Gunline,","sentiment":"neutral","sentiment_score":0.029503172263503075},{"word":"new","start":40.125,"end":40.285,"confidence":0.99609375,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.04158813878893852},{"word":"south","start":40.285,"end":40.605,"confidence":0.9970703,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.0544467531144619},{"word":"wales","start":40.605,"end":40.844997,"confidence":0.99902344,"punctuated_word":"Wales","sentiment":"neutral","sentiment_score":0.03376122936606407},{"word":"2380","start":40.844997,"end":41.985,"confidence":0.9694824,"punctuated_word":"2380.","sentiment":"neutral","sentiment_score":0.04451349377632141},{"word":"yep","start":45.245,"end":45.565,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01090295147150755},{"word":"very","start":45.565,"end":46.065,"confidence":0.80322266,"punctuated_word":"Very.","sentiment":"neutral","sentiment_score":0.1351500153541565},{"word":"yep","start":51.004997,"end":51.504997,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12806087732315063},{"word":"no","start":64.57,"end":65.07,"confidence":0.90600586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11264439672231674},{"word":"no","start":65.29,"end":65.53,"confidence":0.7088623,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11106590926647186},{"word":"i","start":65.53,"end":65.77,"confidence":0.7583008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1120043620467186},{"word":"think","start":65.77,"end":66.009995,"confidence":0.31811523,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12031757831573486},{"word":"you","start":66.009995,"end":66.09,"confidence":0.25097656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09258807450532912},{"word":"see","start":66.09,"end":66.25,"confidence":0.546875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1265801191329956},{"word":"them","start":66.25,"end":66.49,"confidence":0.35742188,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.11512494832277298},{"word":"pretty","start":66.49,"end":66.81,"confidence":0.96435547,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.13055846095085144},{"word":"much","start":66.81,"end":67.305,"confidence":0.99658203,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.12228594720363616},{"word":"yeah","start":67.625,"end":68.125,"confidence":0.9211426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0138217955827713},{"word":"nope","start":81.145004,"end":81.63,"confidence":0.8190918,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.06411410123109818},{"word":"yep","start":92.509995,"end":92.75,"confidence":0.93066406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023068485781550407},{"word":"nice","start":92.75,"end":93.07,"confidence":0.39624023,"punctuated_word":"Nice","sentiment":"neutral","sentiment_score":0.09916342794895172},{"word":"and","start":93.07,"end":93.229996,"confidence":0.47753906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.033870138227939606},{"word":"no","start":93.31,"end":93.549995,"confidence":0.79956055,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.023483961820602417},{"word":"i've","start":93.549995,"end":93.71,"confidence":0.8618164,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.023528818041086197},{"word":"got","start":93.71,"end":93.95,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.034352123737335205},{"word":"kids","start":93.95,"end":94.45,"confidence":0.99658203,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":-0.013380615040659904},{"word":"no","start":99.185,"end":99.424995,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09837286174297331},{"word":"they're","start":99.424995,"end":99.744995,"confidence":0.86328125,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.0732630118727684},{"word":"young","start":99.744995,"end":99.985,"confidence":0.90234375,"punctuated_word":"young","sentiment":"neutral","sentiment_score":-0.09790121763944626},{"word":"young","start":99.985,"end":100.384995,"confidence":0.7141113,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":-0.09575474262237547},{"word":"it's","start":100.384995,"end":100.545,"confidence":0.88842773,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0727195143699646},{"word":"always","start":100.545,"end":100.784996,"confidence":0.9838867,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.051761019974946976},{"word":"been","start":100.784996,"end":101.104996,"confidence":0.98291016,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.06680524349212646},{"word":"like","start":101.104996,"end":101.604996,"confidence":0.8520508,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04557580128312111},{"word":"that","start":104.625,"end":104.865,"confidence":0.9748535,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.048186346888542175},{"word":"well","start":104.865,"end":105.104996,"confidence":0.9824219,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.045376189053058624},{"word":"i've","start":105.104996,"end":105.265,"confidence":0.9916992,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04500029608607292},{"word":"got","start":105.265,"end":105.505,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.041514426469802856},{"word":"a","start":105.505,"end":105.665,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030227648094296455},{"word":"19","start":105.665,"end":106.064995,"confidence":0.96240234,"punctuated_word":"19","sentiment":"neutral","sentiment_score":-0.02224708721041679},{"word":"year","start":106.064995,"end":106.305,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.026103325188159943},{"word":"old","start":106.305,"end":106.465,"confidence":0.94018555,"punctuated_word":"old,","sentiment":"neutral","sentiment_score":-0.030719470232725143},{"word":"but","start":106.465,"end":106.705,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03494381159543991},{"word":"he's","start":106.705,"end":106.945,"confidence":0.94921875,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.04797891899943352},{"word":"he's","start":106.945,"end":107.185,"confidence":0.98657227,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.03978189453482628},{"word":"got","start":107.185,"end":107.345,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.031436383724212646},{"word":"his","start":107.345,"end":107.505,"confidence":0.9482422,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.03018109500408173},{"word":"own","start":107.505,"end":107.665,"confidence":0.9892578,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.03373189643025398},{"word":"job","start":107.665,"end":108.165,"confidence":0.94433594,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":-0.026629066094756126},{"word":"and","start":108.545,"end":108.865,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0009943656623363497},{"word":"i've","start":108.865,"end":109.024994,"confidence":0.98999023,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0016708237817510962},{"word":"got","start":109.024994,"end":109.265,"confidence":0.9892578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.005970116704702377},{"word":"a","start":109.265,"end":109.765,"confidence":0.5522461,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002715017646551132},{"word":"thirty","start":110.799995,"end":111.119995,"confidence":0.18518066,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.007487036287784576},{"word":"year","start":111.119995,"end":111.36,"confidence":0.6723633,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.012275267392396929},{"word":"now","start":111.36,"end":111.6,"confidence":0.90405273,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.008202346041798592},{"word":"david","start":111.6,"end":112.0,"confidence":0.74609375,"punctuated_word":"David,","sentiment":"neutral","sentiment_score":-0.0057205017656087875},{"word":"30","start":112.0,"end":112.5,"confidence":0.58776855,"punctuated_word":"30.","sentiment":"neutral","sentiment_score":-0.007032455876469612},{"word":"and","start":113.759995,"end":114.0,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02697230875492096},{"word":"what's","start":114.0,"end":114.24,"confidence":0.90649414,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.03241043537855148},{"word":"that","start":114.24,"end":114.479996,"confidence":0.9614258,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.015842553228139877},{"word":"12","start":114.479996,"end":114.979996,"confidence":0.91503906,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":-0.011796120554208755},{"word":"yep","start":120.88,"end":121.38,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04523017629981041},{"word":"and","start":129.465,"end":129.705,"confidence":0.27661133,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.029400436207652092},{"word":"was","start":129.705,"end":129.945,"confidence":0.6582031,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03961344063282013},{"word":"that","start":129.945,"end":130.445,"confidence":0.9445801,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.05969572812318802},{"word":"yep","start":135.145,"end":135.645,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02397606521844864},{"word":"no","start":145.31,"end":145.79,"confidence":0.80371094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04401873797178269},{"word":"yep","start":145.79,"end":146.27,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.058835308998823166},{"word":"no","start":146.27,"end":146.67,"confidence":0.8474121,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.046897515654563904},{"word":"still","start":146.67,"end":146.98999,"confidence":0.9604492,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.017505433410406113},{"word":"the","start":146.98999,"end":147.15,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01804017834365368},{"word":"same","start":147.15,"end":147.65,"confidence":0.99365234,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.0067286137491464615},{"word":"it's","start":152.115,"end":152.35501,"confidence":0.8811035,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.016897985711693764},{"word":"probably","start":152.35501,"end":152.675,"confidence":0.9819336,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03621339425444603},{"word":"going","start":152.675,"end":152.835,"confidence":0.73095703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.006936125457286835},{"word":"up","start":152.835,"end":152.99501,"confidence":0.9633789,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.01544378325343132},{"word":"a","start":152.99501,"end":153.15501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019357917830348015},{"word":"little","start":153.15501,"end":153.315,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02588629722595215},{"word":"bit","start":153.315,"end":153.475,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.024634934961795807},{"word":"now","start":153.475,"end":153.975,"confidence":0.98413086,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.007129751145839691},{"word":"i","start":155.315,"end":155.395,"confidence":0.7607422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01106942631304264},{"word":"would","start":155.395,"end":155.475,"confidence":0.34716797,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.014997290447354317},{"word":"say","start":155.475,"end":155.975,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.013944411650300026},{"word":"well","start":158.035,"end":158.535,"confidence":0.9597168,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.05068451166152954},{"word":"it's","start":159.15501,"end":159.235,"confidence":0.7734375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08086471259593964},{"word":"hard","start":159.235,"end":159.475,"confidence":0.9770508,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.13095000386238098},{"word":"to","start":159.475,"end":159.71501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1166331097483635},{"word":"say","start":159.71501,"end":160.21501,"confidence":0.9819336,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.08365984261035919},{"word":"it's","start":160.35501,"end":160.595,"confidence":0.9543457,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04338134452700615},{"word":"but","start":161.15501,"end":161.395,"confidence":0.42797852,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04702003300189972},{"word":"it's","start":161.395,"end":161.55501,"confidence":0.9748535,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.037169549614191055},{"word":"probably","start":161.55501,"end":161.875,"confidence":0.9770508,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.056454554200172424},{"word":"going","start":161.875,"end":162.035,"confidence":0.5566406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.04949529469013214},{"word":"up","start":162.035,"end":162.195,"confidence":0.703125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.03485981747508049},{"word":"to","start":162.195,"end":162.35501,"confidence":0.8613281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03458395600318909},{"word":"$1.30","start":162.35501,"end":163.095,"confidence":0.86431885,"punctuated_word":"$1.30,","sentiment":"neutral","sentiment_score":-0.02990488149225712},{"word":"but","start":163.235,"end":163.475,"confidence":0.93847656,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03605521470308304},{"word":"it","start":163.475,"end":163.55501,"confidence":0.9165039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.032043296843767166},{"word":"can","start":163.55501,"end":163.79501,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03538828343153},{"word":"be","start":163.79501,"end":164.035,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.051973987370729446},{"word":"more","start":164.035,"end":164.535,"confidence":0.99658203,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.0467856302857399},{"word":"yeah","start":177.11,"end":177.51001,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03129861503839493},{"word":"yeah","start":177.51001,"end":177.83,"confidence":0.97216797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027745485305786133},{"word":"it's","start":177.83,"end":178.07,"confidence":0.9892578,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03201788663864136},{"word":"probably","start":178.07,"end":178.39,"confidence":0.9614258,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.02297955751419067},{"word":"about","start":178.39,"end":178.63,"confidence":0.65283203,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.020061032846570015},{"word":"the","start":178.63,"end":178.79001,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015067968517541884},{"word":"same","start":178.79001,"end":179.11,"confidence":0.97265625,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.002795841544866562},{"word":"still","start":179.11,"end":179.61,"confidence":0.87646484,"punctuated_word":"still.","sentiment":"neutral","sentiment_score":0.006947420537471771},{"word":"yep","start":188.725,"end":189.225,"confidence":0.9394531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08210311830043793},{"word":"yep","start":193.205,"end":193.525,"confidence":0.8186035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043488483875989914},{"word":"pardon","start":193.525,"end":194.025,"confidence":0.9967448,"punctuated_word":"Pardon?","sentiment":"neutral","sentiment_score":0.016159553080797195},{"word":"it's","start":200.14,"end":200.45999,"confidence":0.9753418,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.060227762907743454},{"word":"probably","start":200.45999,"end":200.95999,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09154649078845978},{"word":"a","start":201.01999,"end":201.09999,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07894737273454666},{"word":"little","start":201.09999,"end":201.34,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10520656406879424},{"word":"bit","start":201.34,"end":201.81999,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11064691096544266},{"word":"more","start":201.81999,"end":202.31999,"confidence":0.98168945,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.09313982725143433},{"word":"i'm","start":202.93999,"end":203.01999,"confidence":0.37609863,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09821559488773346},{"word":"sorry","start":203.01999,"end":203.51999,"confidence":0.71362305,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.09048466384410858},{"word":"it'd","start":203.57999,"end":203.65999,"confidence":0.61376953,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":-0.03028310462832451},{"word":"be","start":203.65999,"end":203.81999,"confidence":0.87060547,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03977508470416069},{"word":"around","start":203.81999,"end":204.31999,"confidence":0.9838867,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.030845623463392258},{"word":"25","start":204.54,"end":205.43999,"confidence":0.9975586,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":-0.029746290296316147},{"word":"oh","start":208.735,"end":208.89499,"confidence":0.77783203,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.003647221252322197},{"word":"yeah","start":208.89499,"end":209.295,"confidence":0.95825195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.006629785522818565},{"word":"it","start":209.295,"end":209.375,"confidence":0.35888672,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.060661669820547104},{"word":"was","start":209.375,"end":209.495,"confidence":0.3005371,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0800439789891243},{"word":"no","start":209.61499,"end":209.775,"confidence":0.86376953,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0928555279970169},{"word":"it","start":209.775,"end":209.855,"confidence":0.77246094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.12446105480194092},{"word":"wouldn't","start":209.855,"end":210.095,"confidence":0.829834,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.11103999614715576},{"word":"be","start":210.095,"end":210.33499,"confidence":0.95410156,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1222756952047348},{"word":"that","start":210.33499,"end":210.575,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0975431576371193},{"word":"much","start":210.575,"end":211.075,"confidence":0.98999023,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.07940453290939331},{"word":"probably","start":211.215,"end":211.61499,"confidence":0.96972656,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.06878036260604858},{"word":"only","start":211.61499,"end":211.935,"confidence":0.5732422,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07337979227304459},{"word":"be","start":211.935,"end":212.095,"confidence":0.7709961,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08298704773187637},{"word":"at","start":212.095,"end":212.25499,"confidence":0.8959961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08401037752628326},{"word":"20","start":212.25499,"end":212.75499,"confidence":0.99902344,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":-0.06651380658149719},{"word":"yeah","start":214.575,"end":215.075,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007557198405265808},{"word":"yep","start":217.53499,"end":218.03499,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017020048573613167},{"word":"yeah","start":222.735,"end":223.055,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011460063979029655},{"word":"yeah","start":223.055,"end":223.2,"confidence":0.9680176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009128741919994354},{"word":"i","start":223.36,"end":223.52,"confidence":0.93359375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0008346624672412872},{"word":"was","start":223.52,"end":223.59999,"confidence":0.97509766,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.007411669939756393},{"word":"probably","start":223.59999,"end":224.0,"confidence":0.9604492,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.011647213250398636},{"word":"a","start":224.0,"end":224.08,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0010266602039337158},{"word":"little","start":224.08,"end":224.23999,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.01421910896897316},{"word":"bit","start":224.23999,"end":224.4,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.012829575687646866},{"word":"i","start":224.48,"end":224.56,"confidence":0.8076172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012037452310323715},{"word":"was","start":224.56,"end":224.64,"confidence":0.93359375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.018550552427768707},{"word":"probably","start":224.64,"end":224.95999,"confidence":0.96875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.012836024165153503},{"word":"about","start":224.95999,"end":225.2,"confidence":0.56152344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.014131300151348114},{"word":"25","start":225.2,"end":225.76,"confidence":0.9921875,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.003088075667619705},{"word":"now","start":225.76,"end":226.26,"confidence":0.73828125,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.01189079787582159},{"word":"probably","start":227.92,"end":228.4,"confidence":0.7763672,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.04413250833749771},{"word":"less","start":228.4,"end":228.72,"confidence":0.37646484,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.0636170357465744},{"word":"than","start":228.72,"end":228.87999,"confidence":0.9892578,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.0722220242023468},{"word":"that","start":228.87999,"end":229.2,"confidence":0.71972656,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11076876521110536},{"word":"but","start":229.2,"end":229.28,"confidence":0.55566406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.034577831625938416},{"word":"yeah","start":229.36,"end":229.86,"confidence":0.923584,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.059950120747089386},{"word":"yeah","start":234.56,"end":235.06,"confidence":0.9375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06986858695745468},{"word":"no","start":239.775,"end":240.015,"confidence":0.9736328,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15897467732429504},{"word":"not","start":240.015,"end":240.25499,"confidence":0.99121094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.21350699663162231},{"word":"really","start":240.25499,"end":240.75499,"confidence":0.9995117,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.14688529074192047},{"word":"no","start":250.56999,"end":250.97,"confidence":0.91064453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0655897706747055},{"word":"i","start":250.97,"end":251.05,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07140560448169708},{"word":"put","start":251.05,"end":251.53,"confidence":0.6635742,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.05200246721506119},{"word":"i","start":251.53,"end":251.69,"confidence":0.68847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.055559560656547546},{"word":"put","start":251.69,"end":252.19,"confidence":0.97802734,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.035181351006031036},{"word":"i","start":252.56999,"end":252.81,"confidence":0.7705078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03218178078532219},{"word":"put","start":252.81,"end":253.31,"confidence":0.9941406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.035778142511844635},{"word":"batteries","start":253.37,"end":253.85,"confidence":0.98291016,"punctuated_word":"batteries","sentiment":"neutral","sentiment_score":0.028313729912042614},{"word":"on","start":253.85,"end":254.35,"confidence":0.8786621,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.027015721425414085},{"word":"actually","start":254.65,"end":255.15,"confidence":0.9946289,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.027215614914894104},{"word":"yeah","start":257.45,"end":257.95,"confidence":0.9277344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058057043701410294},{"word":"the","start":258.16998,"end":258.33,"confidence":0.625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.044393014162778854},{"word":"solar","start":258.33,"end":258.65,"confidence":0.9003906,"punctuated_word":"solar","sentiment":"neutral","sentiment_score":0.06874658912420273},{"word":"battery","start":258.65,"end":259.05,"confidence":0.9970703,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":0.04208963364362717},{"word":"backup","start":259.05,"end":259.55,"confidence":0.92578125,"punctuated_word":"backup","sentiment":"neutral","sentiment_score":0.04268237203359604},{"word":"on","start":261.125,"end":261.365,"confidence":0.82666016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09245340526103972},{"word":"the","start":261.365,"end":261.525,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13589641451835632},{"word":"battery","start":261.525,"end":261.925,"confidence":0.72302246,"punctuated_word":"battery,","sentiment":"neutral","sentiment_score":0.1509455144405365},{"word":"you","start":261.925,"end":262.005,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13646969199180603},{"word":"know","start":262.005,"end":262.32498,"confidence":0.8742676,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13138297200202942},{"word":"you","start":262.32498,"end":262.405,"confidence":0.44921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12259788066148758},{"word":"know","start":262.405,"end":262.725,"confidence":0.95214844,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1329592615365982},{"word":"since","start":262.725,"end":263.125,"confidence":0.62158203,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.2152324914932251},{"word":"we're","start":263.125,"end":263.205,"confidence":0.8071289,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.215267151594162},{"word":"all","start":263.205,"end":263.365,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19713395833969116},{"word":"going","start":263.365,"end":263.76498,"confidence":0.7792969,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2823588252067566},{"word":"green","start":263.76498,"end":264.26498,"confidence":0.96875,"punctuated_word":"green.","sentiment":"neutral","sentiment_score":0.15763911604881287},{"word":"i","start":271.04498,"end":271.205,"confidence":0.68652344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05045929551124573},{"word":"think","start":271.205,"end":271.44498,"confidence":0.9326172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04301374405622482},{"word":"it","start":271.44498,"end":271.60498,"confidence":0.8769531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06338846683502197},{"word":"went","start":271.60498,"end":271.925,"confidence":0.9902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.06951484829187393},{"word":"through","start":271.925,"end":272.245,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07382038980722427},{"word":"with","start":272.245,"end":272.485,"confidence":0.9375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0615716353058815},{"word":"the","start":272.485,"end":272.645,"confidence":0.67822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0893157422542572},{"word":"missus","start":272.645,"end":273.145,"confidence":0.74157715,"punctuated_word":"missus","sentiment":"neutral","sentiment_score":0.07755926251411438},{"word":"or","start":273.205,"end":273.365,"confidence":0.44433594,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07033266127109528},{"word":"something","start":273.365,"end":273.685,"confidence":0.82470703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0699349120259285},{"word":"like","start":273.685,"end":273.925,"confidence":0.9394531,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07923906296491623},{"word":"$25","start":273.925,"end":274.985,"confidence":0.97094727,"punctuated_word":"$25.","sentiment":"neutral","sentiment_score":0.08441221714019775},{"word":"yeah","start":280.83,"end":281.23,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06317386031150818},{"word":"it's","start":281.23,"end":281.38998,"confidence":0.9890137,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06104497238993645},{"word":"one","start":281.38998,"end":281.63,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06912697851657867},{"word":"of","start":281.63,"end":281.79,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11897967010736464},{"word":"them","start":281.79,"end":282.29,"confidence":0.71813965,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.09739343822002412},{"word":"my","start":283.15,"end":283.38998,"confidence":0.5996094,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.09896912425756454},{"word":"wife","start":283.38998,"end":283.63,"confidence":0.9951172,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.12144728749990465},{"word":"got","start":283.63,"end":283.87,"confidence":0.9453125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1271313726902008},{"word":"a","start":283.87,"end":283.95,"confidence":0.92578125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10922342538833618},{"word":"loan","start":283.95,"end":284.43,"confidence":0.91748047,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.12132452428340912},{"word":"through","start":284.43,"end":284.75,"confidence":0.9560547,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10671789199113846},{"word":"her","start":284.75,"end":284.91,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.08644293993711472},{"word":"name","start":284.91,"end":285.41,"confidence":0.72229004,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.1147334724664688},{"word":"let's","start":286.35,"end":286.59,"confidence":0.6212158,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.14175620675086975},{"word":"get","start":286.59,"end":286.75,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12220512330532074},{"word":"it","start":286.75,"end":286.91,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11745921522378922},{"word":"done","start":286.91,"end":287.23,"confidence":0.99121094,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.08713600039482117},{"word":"yeah","start":287.23,"end":287.47,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022072218358516693},{"word":"i'm","start":287.47,"end":287.55,"confidence":0.97631836,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03094218298792839},{"word":"not","start":287.55,"end":287.79,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08447279036045074},{"word":"quite","start":287.79,"end":288.11,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.11213426291942596},{"word":"sure","start":288.11,"end":288.51,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.10909481346607208},{"word":"what's","start":288.51,"end":288.75,"confidence":0.51464844,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.04006240889430046},{"word":"through","start":288.75,"end":288.99,"confidence":0.7836914,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03828788548707962},{"word":"that's","start":288.99,"end":289.31,"confidence":0.7849121,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.031768664717674255},{"word":"through","start":289.31,"end":289.81,"confidence":0.98950195,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.059621140360832214},{"word":"no","start":298.935,"end":299.255,"confidence":0.9230957,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06245630979537964},{"word":"not","start":299.255,"end":299.495,"confidence":0.9873047,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.07604176551103592},{"word":"yet","start":299.495,"end":299.975,"confidence":1.0,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.0964946150779724},{"word":"i'm","start":299.975,"end":300.13498,"confidence":0.9790039,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09493206441402437},{"word":"not","start":300.13498,"end":300.29498,"confidence":0.9506836,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08610551059246063},{"word":"going","start":300.29498,"end":300.535,"confidence":0.85498047,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1190987229347229},{"word":"anywhere","start":300.535,"end":300.935,"confidence":0.97998047,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":-0.1516427993774414},{"word":"yet","start":300.935,"end":301.175,"confidence":0.81152344,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":-0.10647519677877426},{"word":"i","start":301.175,"end":301.335,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024049967527389526},{"word":"hope","start":301.335,"end":301.835,"confidence":0.9975586,"punctuated_word":"hope.","sentiment":"neutral","sentiment_score":0.034083276987075806},{"word":"yep","start":314.85,"end":315.35,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2304687798023224},{"word":"yep","start":316.37,"end":316.87,"confidence":0.8095703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.148532435297966},{"word":"i'm","start":330.385,"end":330.545,"confidence":0.7126465,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08060901612043381},{"word":"out","start":330.545,"end":330.785,"confidence":0.6777344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06484000384807587},{"word":"of","start":330.785,"end":331.285,"confidence":0.8781738,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.07028591632843018},{"word":"is","start":332.305,"end":332.385,"confidence":0.6196289,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.02643503248691559},{"word":"that","start":332.385,"end":332.625,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03247552737593651},{"word":"a","start":332.625,"end":332.785,"confidence":0.95947266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.050127074122428894},{"word":"while","start":332.785,"end":333.105,"confidence":0.9970703,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.03538896143436432},{"word":"ago","start":333.105,"end":333.48,"confidence":0.9812012,"punctuated_word":"ago?","sentiment":"neutral","sentiment_score":-0.024440808221697807},{"word":"yeah","start":336.52002,"end":336.84,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0009073223918676376},{"word":"i","start":336.84,"end":336.92,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00746578723192215},{"word":"think","start":336.92,"end":337.16,"confidence":0.984375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0009216666221618652},{"word":"that","start":337.16,"end":337.32,"confidence":0.4790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003069601953029633},{"word":"was","start":337.32,"end":337.48,"confidence":0.9716797,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.010867033153772354},{"word":"something","start":337.48,"end":337.72,"confidence":0.8076172,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.0006811060011386871},{"word":"about","start":337.72,"end":338.22,"confidence":0.734375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012940585613250732},{"word":"the","start":338.36002,"end":338.44,"confidence":0.8959961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015933170914649963},{"word":"wheel","start":338.44,"end":338.84,"confidence":0.9448242,"punctuated_word":"wheel","sentiment":"neutral","sentiment_score":0.006635382771492004},{"word":"and","start":338.84,"end":339.24002,"confidence":0.92089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018264975398778915},{"word":"something","start":339.24002,"end":339.74002,"confidence":0.7236328,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.022496800869703293},{"word":"like","start":339.96002,"end":340.28,"confidence":0.38916016,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.01665375381708145},{"word":"that","start":340.28,"end":340.52002,"confidence":0.8625488,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.00258544459939003},{"word":"and","start":340.52002,"end":340.68002,"confidence":0.7133789,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.016751568764448166},{"word":"i","start":340.68002,"end":340.76,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008739933371543884},{"word":"was","start":340.76,"end":341.0,"confidence":0.9892578,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0013004764914512634},{"word":"getting","start":341.0,"end":341.40002,"confidence":0.9980469,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.01715298742055893},{"word":"i","start":341.80002,"end":341.96002,"confidence":0.8251953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009721331298351288},{"word":"was","start":341.96002,"end":342.12,"confidence":0.8076172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02249833196401596},{"word":"gonna","start":342.12,"end":342.36002,"confidence":0.94140625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.049488991498947144},{"word":"get","start":342.36002,"end":342.44,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03238208591938019},{"word":"one","start":342.44,"end":342.68002,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.030194103717803955},{"word":"of","start":342.68002,"end":342.76,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048124976456165314},{"word":"my","start":342.76,"end":342.84,"confidence":0.48754883,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04357048869132995},{"word":"girls","start":342.84,"end":343.0,"confidence":0.9370117,"punctuated_word":"girls","sentiment":"neutral","sentiment_score":0.04330446571111679},{"word":"that","start":343.0,"end":343.16,"confidence":0.7036133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08996152877807617},{"word":"worked","start":343.16,"end":343.48,"confidence":0.9194336,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.07009480893611908},{"word":"up","start":343.48,"end":343.56,"confidence":0.45385742,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07062800973653793},{"word":"and","start":343.56,"end":343.64,"confidence":0.46044922,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08272838592529297},{"word":"look","start":343.64,"end":343.88,"confidence":0.6699219,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06510650366544724},{"word":"it","start":343.88,"end":343.96002,"confidence":0.54833984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06639447063207626},{"word":"up","start":343.96002,"end":344.12,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05447680503129959},{"word":"for","start":344.12,"end":344.28,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.044798120856285095},{"word":"me","start":344.28,"end":344.36002,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.007408745586872101},{"word":"because","start":344.36002,"end":344.6,"confidence":0.7192383,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0012271478772163391},{"word":"i","start":344.6,"end":344.68002,"confidence":0.97265625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06566908210515976},{"word":"wasn't","start":344.68002,"end":345.0,"confidence":0.8220215,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.04827260971069336},{"word":"just","start":345.0,"end":345.24002,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0420306958258152},{"word":"quite","start":345.24002,"end":345.48,"confidence":0.9970703,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.04881642013788223},{"word":"sure","start":345.48,"end":345.64,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.03325576335191727},{"word":"about","start":345.64,"end":345.88,"confidence":0.9658203,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.031690459698438644},{"word":"a","start":345.88,"end":346.04,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01539074257016182},{"word":"few","start":346.04,"end":346.36002,"confidence":0.9892578,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.00887991115450859},{"word":"wordings","start":346.36002,"end":346.86002,"confidence":0.86588544,"punctuated_word":"wordings.","sentiment":"neutral","sentiment_score":-0.01903005875647068},{"word":"yes","start":355.955,"end":356.195,"confidence":0.9628906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07575103640556335},{"word":"if","start":356.195,"end":356.435,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.05867372080683708},{"word":"you","start":356.435,"end":356.595,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04362618923187256},{"word":"could","start":356.595,"end":356.835,"confidence":0.97094727,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":0.04851744323968887},{"word":"please","start":356.835,"end":357.335,"confidence":0.9848633,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.041521426290273666},{"word":"yep","start":360.275,"end":360.775,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008637920022010803},{"word":"yeah","start":360.835,"end":361.315,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004699753597378731},{"word":"yeah","start":361.315,"end":361.77,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005957876332104206},{"word":"i","start":362.65,"end":362.81,"confidence":0.93847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13042987883090973},{"word":"don't","start":362.81,"end":362.97,"confidence":0.8852539,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10747521370649338},{"word":"wanna","start":362.97,"end":363.28998,"confidence":0.75,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.09438306838274002},{"word":"work","start":363.28998,"end":363.78998,"confidence":0.95996094,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.006007343530654907},{"word":"yeah","start":364.00998,"end":364.33,"confidence":0.8598633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0618356317281723},{"word":"i'm","start":364.33,"end":364.41,"confidence":0.9916992,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20022062957286835},{"word":"pretty","start":364.41,"end":364.56998,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2430957555770874},{"word":"sure","start":364.56998,"end":364.81,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.20817092061042783},{"word":"i'll","start":364.81,"end":364.88998,"confidence":0.6374512,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2048228085041046},{"word":"print","start":364.88998,"end":365.12997,"confidence":0.8378906,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.16909824311733246},{"word":"them","start":365.12997,"end":365.28998,"confidence":0.93359375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.19109773635864255},{"word":"off","start":365.28998,"end":365.61,"confidence":0.8310547,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.13382025063037872},{"word":"last","start":365.61,"end":365.84998,"confidence":0.4116211,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1449875682592392},{"word":"time","start":365.84998,"end":366.34998,"confidence":0.79052734,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.15028516948223114},{"word":"i","start":378.26498,"end":378.50497,"confidence":0.8852539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.000686299055814743},{"word":"just","start":378.50497,"end":378.905,"confidence":0.5336914,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005805980414152145},{"word":"sorta","start":378.905,"end":379.405,"confidence":0.7453613,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.00757753849029541},{"word":"understand","start":379.465,"end":379.94498,"confidence":0.99609375,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.007673036307096481},{"word":"them","start":379.94498,"end":380.185,"confidence":0.9633789,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.007639048621058464},{"word":"a","start":380.185,"end":380.26498,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00004953891038894653},{"word":"bit","start":380.26498,"end":380.585,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.00007436051964759827},{"word":"more","start":380.585,"end":381.065,"confidence":0.72058105,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.0045539867132902145},{"word":"the","start":381.065,"end":381.54498,"confidence":0.8691406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00281573086977005},{"word":"legally","start":381.54498,"end":382.04498,"confidence":0.77246094,"punctuated_word":"legally","sentiment":"neutral","sentiment_score":-0.003611154854297638},{"word":"sort","start":382.50497,"end":382.66498,"confidence":0.91845703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01632101833820343},{"word":"of","start":382.66498,"end":382.82498,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012446021661162376},{"word":"it","start":382.82498,"end":382.985,"confidence":0.4741211,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.01466946303844452},{"word":"that's","start":382.985,"end":383.305,"confidence":0.91674805,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.011170737445354462},{"word":"all","start":383.305,"end":383.805,"confidence":0.9772949,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.001614646054804325},{"word":"because","start":384.425,"end":384.66498,"confidence":0.62890625,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.007680278271436691},{"word":"one","start":384.66498,"end":384.905,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.04464186728000641},{"word":"of","start":384.905,"end":384.985,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.042070791125297546},{"word":"our","start":384.985,"end":385.22498,"confidence":0.8618164,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0413818433880806},{"word":"girls","start":385.22498,"end":385.54498,"confidence":0.9760742,"punctuated_word":"girls","sentiment":"neutral","sentiment_score":-0.05599327012896538},{"word":"used","start":385.54498,"end":385.66498,"confidence":0.9863281,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.04846768081188202},{"word":"to","start":385.66498,"end":385.78497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.047821931540966034},{"word":"work","start":385.78497,"end":386.28497,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.04225381091237068},{"word":"at","start":386.585,"end":386.82498,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05685862898826599},{"word":"solicitors","start":386.82498,"end":387.32498,"confidence":0.64624023,"punctuated_word":"solicitors.","sentiment":"neutral","sentiment_score":-0.03913845866918564},{"word":"i'm","start":387.94498,"end":388.185,"confidence":0.93115234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06774799525737762},{"word":"not","start":388.185,"end":388.345,"confidence":0.96435547,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05094234645366669},{"word":"i","start":388.425,"end":388.585,"confidence":0.9248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07859879732131958},{"word":"was","start":388.585,"end":388.82498,"confidence":0.6933594,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07748690247535706},{"word":"just","start":388.82498,"end":388.985,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.006442137062549591},{"word":"gonna","start":388.985,"end":389.305,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.012526314705610275},{"word":"get","start":389.305,"end":389.54498,"confidence":0.9716797,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02216363325715065},{"word":"over","start":389.54498,"end":390.04498,"confidence":0.5201416,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.014870040118694304},{"word":"have","start":390.68,"end":390.84,"confidence":0.5576172,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.0003387089818716049},{"word":"you","start":390.84,"end":391.0,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0036099888384342194},{"word":"on","start":391.0,"end":391.24,"confidence":0.5185547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0024653617292642593},{"word":"the","start":391.24,"end":391.31998,"confidence":0.66503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00914280954748392},{"word":"road","start":391.31998,"end":391.56,"confidence":0.38256836,"punctuated_word":"road","sentiment":"neutral","sentiment_score":0.01362563855946064},{"word":"about","start":391.56,"end":392.06,"confidence":0.8745117,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.005082176066935062},{"word":"it","start":392.52,"end":392.75998,"confidence":0.71765137,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.046169523149728775},{"word":"she'll","start":392.75998,"end":393.15997,"confidence":0.65185547,"punctuated_word":"She'll","sentiment":"neutral","sentiment_score":0.08461111783981323},{"word":"understand","start":393.15997,"end":393.56,"confidence":0.94970703,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.11528027802705763},{"word":"it","start":393.56,"end":394.06,"confidence":0.52441406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.22606071829795835},{"word":"explaining","start":395.56,"end":396.06,"confidence":0.8803711,"punctuated_word":"Explaining","sentiment":"neutral","sentiment_score":0.09421532601118088},{"word":"in","start":396.19998,"end":396.43997,"confidence":0.7163086,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06258988380432129},{"word":"cayman","start":396.43997,"end":396.84,"confidence":0.6687012,"punctuated_word":"Cayman","sentiment":"neutral","sentiment_score":0.05475731939077377},{"word":"terms","start":396.84,"end":397.15997,"confidence":0.984375,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07011809945106506},{"word":"to","start":397.15997,"end":397.4,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08863620460033417},{"word":"me","start":397.4,"end":397.9,"confidence":0.98339844,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.08025173842906952},{"word":"yep","start":408.48502,"end":408.965,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1297370195388794},{"word":"will","start":408.965,"end":409.20502,"confidence":0.96972656,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.1872909516096115},{"word":"do","start":409.20502,"end":409.70502,"confidence":0.99365234,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.16974860429763794},{"word":"yeah","start":433.095,"end":433.595,"confidence":0.80566406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043580539524555206},{"word":"yeah","start":434.055,"end":434.535,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06313813477754593},{"word":"just","start":434.535,"end":434.775,"confidence":0.8027344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04522347077727318},{"word":"trying","start":434.775,"end":435.015,"confidence":0.98291016,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.07601770758628845},{"word":"to","start":435.015,"end":435.095,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05935637280344963},{"word":"get","start":435.095,"end":435.255,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04469876736402512},{"word":"out","start":435.255,"end":435.495,"confidence":0.8798828,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04311555624008179},{"word":"of","start":435.495,"end":435.575,"confidence":0.8774414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016057297587394714},{"word":"here","start":435.575,"end":436.055,"confidence":0.53344727,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.027178455144166943},{"word":"you","start":436.055,"end":436.215,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02808794751763344},{"word":"know","start":436.215,"end":436.715,"confidence":0.9658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03719257563352585},{"word":"get","start":436.855,"end":437.015,"confidence":0.96972656,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07068288326263428},{"word":"those","start":437.015,"end":437.515,"confidence":0.5986328,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07961636036634445},{"word":"last","start":437.73502,"end":438.055,"confidence":0.88183594,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.016825996339321136},{"word":"few","start":438.055,"end":438.295,"confidence":0.9970703,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.01886113733053207},{"word":"bills","start":438.295,"end":438.61502,"confidence":0.9970703,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.03050887957215309},{"word":"paid","start":438.61502,"end":438.855,"confidence":0.9819336,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.050842128694057465},{"word":"off","start":438.855,"end":439.095,"confidence":0.93847656,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.022627094760537148},{"word":"get","start":439.095,"end":439.255,"confidence":0.77685547,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0445365235209465},{"word":"rid","start":439.255,"end":439.415,"confidence":0.97998047,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":0.00958305597305298},{"word":"of","start":439.415,"end":439.575,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011865399777889252},{"word":"this","start":439.575,"end":439.815,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.015746325254440308},{"word":"mortgage","start":439.815,"end":440.315,"confidence":0.8251953,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.01169237308204174},{"word":"and","start":440.535,"end":440.695,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024192504584789276},{"word":"then","start":440.695,"end":440.935,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04361890256404877},{"word":"yeah","start":441.185,"end":441.685,"confidence":0.98461914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14337259531021118},{"word":"yep","start":459.045,"end":459.545,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0248887836933136},{"word":"no","start":472.54,"end":472.7,"confidence":0.8117676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14749793708324432},{"word":"i","start":472.7,"end":472.86002,"confidence":0.8618164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14844246208667755},{"word":"hope","start":472.86002,"end":473.1,"confidence":0.62597656,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.12794017791748047},{"word":"that","start":473.1,"end":473.26,"confidence":0.24267578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13369004428386688},{"word":"i","start":473.42,"end":473.90002,"confidence":0.8730469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1328948736190796},{"word":"i","start":473.90002,"end":474.14,"confidence":0.4567871,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16325022280216217},{"word":"probably","start":474.14,"end":474.38,"confidence":0.46240234,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2333037555217743},{"word":"get","start":474.38,"end":474.62003,"confidence":0.5288086,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15218302607536316},{"word":"it","start":474.62003,"end":474.7,"confidence":0.7583008,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1485068053007126},{"word":"at","start":474.7,"end":474.86002,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1318359375},{"word":"60","start":474.86002,"end":475.36002,"confidence":0.9975586,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":-0.10593640804290771},{"word":"yes","start":483.5,"end":483.825,"confidence":0.8203125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07785458862781525},{"word":"yeah","start":484.225,"end":484.725,"confidence":0.8388672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09529255330562592},{"word":"hello","start":509.28,"end":509.44,"confidence":0.65649414,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.004566915333271027},{"word":"i","start":509.44,"end":509.52,"confidence":0.79003906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01185787096619606},{"word":"was","start":509.52,"end":509.68,"confidence":0.9614258,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.010081097483634949},{"word":"probably","start":509.68,"end":510.08,"confidence":0.43945312,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01618579775094986},{"word":"getting","start":510.08,"end":510.4,"confidence":0.9482422,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.0032621733844280243},{"word":"moderate","start":510.4,"end":510.9,"confidence":0.763916,"punctuated_word":"moderate.","sentiment":"neutral","sentiment_score":0.00488802045583725},{"word":"just","start":511.765,"end":512.005,"confidence":0.99316406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.018284328281879425},{"word":"for","start":512.005,"end":512.405,"confidence":0.4165039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0071876682341098785},{"word":"just","start":512.485,"end":512.72504,"confidence":0.4206543,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013402797281742096},{"word":"get","start":512.72504,"end":513.045,"confidence":0.7573242,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03631284460425377},{"word":"you","start":513.045,"end":513.125,"confidence":0.62158203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028974805027246475},{"word":"timed","start":513.125,"end":513.445,"confidence":0.31152344,"punctuated_word":"timed","sentiment":"neutral","sentiment_score":0.07595038414001465},{"word":"at","start":513.445,"end":513.525,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0528801828622818},{"word":"the","start":513.525,"end":513.685,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06957520544528961},{"word":"moment","start":513.685,"end":514.005,"confidence":0.9885254,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09581771492958067},{"word":"i","start":514.005,"end":514.085,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07481516152620316},{"word":"think","start":514.085,"end":514.585,"confidence":0.98291016,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.06241277605295181},{"word":"probably","start":553.08,"end":553.58,"confidence":0.8432617,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.2612147927284241},{"word":"no","start":554.12,"end":554.36,"confidence":0.78222656,"punctuated_word":"no.","sentiment":"negative","sentiment_score":-0.34156113862991333},{"word":"it's","start":554.36,"end":554.6,"confidence":0.98291016,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3667007088661194},{"word":"been","start":554.6,"end":554.83997,"confidence":0.48486328,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4609452188014984},{"word":"hard","start":554.83997,"end":555.08,"confidence":0.59765625,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.4561154842376709},{"word":"to","start":555.08,"end":555.16,"confidence":0.8251953,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4972373843193054},{"word":"lose","start":555.16,"end":555.66,"confidence":0.63635254,"punctuated_word":"lose.","sentiment":"negative","sentiment_score":-0.3760249614715576},{"word":"whatever","start":558.36,"end":558.76,"confidence":0.3289795,"punctuated_word":"Whatever,","sentiment":"neutral","sentiment_score":-0.1348232924938202},{"word":"guys","start":558.76,"end":559.0,"confidence":0.7976074,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":-0.10152436792850494},{"word":"yeah","start":559.0,"end":559.24,"confidence":0.72021484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01692013069987297},{"word":"it","start":559.24,"end":559.32,"confidence":0.9116211,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.010877642780542374},{"word":"comes","start":559.32,"end":559.72,"confidence":0.8833008,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.014959536492824554},{"word":"back","start":559.72,"end":559.88,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.002883926033973694},{"word":"up","start":559.88,"end":560.175,"confidence":0.9436035,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.011808212846517565},{"word":"so","start":560.175,"end":560.415,"confidence":0.80688477,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.0004807412624359131},{"word":"yeah","start":560.415,"end":560.775,"confidence":0.9880371,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.002046370878815651},{"word":"for","start":560.775,"end":561.135,"confidence":0.4038086,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0106457881629467},{"word":"this","start":561.135,"end":561.635,"confidence":0.5395508,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.012422697618603706},{"word":"yeah","start":564.815,"end":565.135,"confidence":0.97631836,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07824502885341644},{"word":"just","start":565.135,"end":565.455,"confidence":0.5097656,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.07459848374128342},{"word":"sort","start":565.455,"end":565.615,"confidence":0.4975586,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.059793341904878616},{"word":"of","start":565.615,"end":565.695,"confidence":0.51464844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06303174048662186},{"word":"hold","start":565.695,"end":566.015,"confidence":0.9921875,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.05139626935124397},{"word":"it","start":566.015,"end":566.515,"confidence":0.88134766,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.02436400204896927},{"word":"yeah","start":567.535,"end":568.035,"confidence":0.83618164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07951144129037857},{"word":"not","start":580.91,"end":581.15,"confidence":0.984375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.10900044441223145},{"word":"me","start":581.15,"end":581.39,"confidence":0.94921875,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.09150123596191406},{"word":"i","start":581.39,"end":581.55,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1143655925989151},{"word":"wouldn't","start":581.55,"end":582.05,"confidence":0.9817708,"punctuated_word":"wouldn't.","sentiment":"neutral","sentiment_score":-0.09986629337072372},{"word":"yeah","start":596.175,"end":596.675,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02630852721631527},{"word":"yep","start":602.86,"end":603.36,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05883369967341423},{"word":"yep","start":608.22003,"end":608.72003,"confidence":0.9099121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007430497091263533},{"word":"not","start":611.26,"end":611.5,"confidence":0.9970703,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.054049212485551834},{"word":"really","start":611.5,"end":611.955,"confidence":0.9946289,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.07130230963230133},{"word":"yep","start":622.275,"end":622.775,"confidence":0.7182617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09081422537565231},{"word":"yep","start":625.47504,"end":625.92,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09179212898015976},{"word":"yeah","start":637.83997,"end":638.235,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09679152071475984},{"word":"yep","start":674.585,"end":675.085,"confidence":0.7050781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04916761815547943},{"word":"yep","start":691.555,"end":692.055,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15990297496318817},{"word":"yeah","start":709.32996,"end":709.82996,"confidence":0.84887695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06638950854539871},{"word":"yep","start":717.97,"end":718.365,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0596667155623436},{"word":"yeah","start":724.285,"end":724.785,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03444396331906319},{"word":"so","start":725.40497,"end":725.645,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014533709734678268},{"word":"what","start":725.645,"end":725.885,"confidence":0.80371094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.008950643241405487},{"word":"am","start":725.885,"end":726.045,"confidence":0.7446289,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.030597273260354996},{"word":"i","start":726.045,"end":726.125,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033525556325912476},{"word":"in","start":726.125,"end":726.365,"confidence":0.56640625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015349913388490675},{"word":"now","start":726.365,"end":726.605,"confidence":0.982666,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.020277518779039383},{"word":"i'm","start":726.605,"end":726.765,"confidence":0.9797363,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05131491273641586},{"word":"in","start":726.765,"end":726.925,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05968853831291199},{"word":"the","start":726.925,"end":727.08496,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08703000843524933},{"word":"high","start":727.08496,"end":727.245,"confidence":0.74658203,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.10189549624919891},{"word":"growth","start":727.245,"end":727.645,"confidence":0.43896484,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.12008707970380784},{"word":"am","start":727.645,"end":727.805,"confidence":0.9453125,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.062220413237810135},{"word":"i","start":727.805,"end":728.305,"confidence":0.99902344,"punctuated_word":"I?","sentiment":"neutral","sentiment_score":0.0670589953660965},{"word":"yeah","start":729.805,"end":730.305,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10060994327068327},{"word":"i","start":731.5,"end":731.58,"confidence":0.94921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06052549183368683},{"word":"might","start":731.58,"end":731.82,"confidence":0.99609375,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.060740210115909576},{"word":"just","start":731.82,"end":732.06,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04070386290550232},{"word":"keep","start":732.06,"end":732.22003,"confidence":0.99316406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.04514901340007782},{"word":"it","start":732.22003,"end":732.46,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05281154066324234},{"word":"like","start":732.46,"end":732.7,"confidence":0.99121094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06584220379590988},{"word":"that","start":732.7,"end":733.2,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0864863395690918},{"word":"yeah","start":734.94,"end":735.44,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06730999052524567},{"word":"it's","start":736.78,"end":737.26,"confidence":0.84716797,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10641774535179138},{"word":"yeah","start":743.58,"end":743.865,"confidence":0.9086914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02596196159720421},{"word":"my","start":745.625,"end":745.785,"confidence":0.80810547,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.025353096425533295},{"word":"wife's","start":745.785,"end":746.02496,"confidence":0.99609375,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":-0.00523355370387435},{"word":"gotta","start":746.02496,"end":746.345,"confidence":0.84228516,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.050710953772068024},{"word":"work","start":746.345,"end":746.505,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.05291483551263809},{"word":"for","start":746.505,"end":746.665,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07086922228336334},{"word":"another","start":746.665,"end":746.985,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.03813090920448303},{"word":"ten","start":746.985,"end":747.225,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.02107061818242073},{"word":"years","start":747.225,"end":747.46497,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.02408105880022049},{"word":"after","start":747.46497,"end":747.705,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.02802892029285431},{"word":"i","start":747.705,"end":747.945,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005994617938995361},{"word":"retire","start":747.945,"end":748.345,"confidence":0.96533203,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.01872161030769348},{"word":"anyway","start":748.345,"end":748.665,"confidence":0.83447266,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.0054314956068992615},{"word":"so","start":748.665,"end":748.90497,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.029497921466827393},{"word":"we","start":748.90497,"end":749.065,"confidence":0.95947266,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.015220053493976591},{"word":"should","start":749.065,"end":749.225,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.04053907096385956},{"word":"be","start":749.225,"end":749.385,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01722581684589386},{"word":"alright","start":749.385,"end":749.885,"confidence":0.77441406,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.03408006578683853},{"word":"yeah","start":758.105,"end":758.55,"confidence":0.9633789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04486297816038132},{"word":"yes","start":768.70996,"end":769.20996,"confidence":0.97021484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16610872745513916},{"word":"yep","start":774.725,"end":775.225,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11889033019542694},{"word":"yep","start":790.82,"end":791.32,"confidence":0.9145508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1641668975353241},{"word":"what's","start":811.54,"end":811.94,"confidence":0.6503906,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.06446468830108643},{"word":"the","start":811.94,"end":812.25995,"confidence":0.86865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0704488456249237},{"word":"saw","start":812.25995,"end":812.5,"confidence":0.32183838,"punctuated_word":"SAW","sentiment":"neutral","sentiment_score":0.0641174465417862},{"word":"document","start":812.5,"end":813.0,"confidence":0.9394531,"punctuated_word":"document?","sentiment":"neutral","sentiment_score":0.06197414547204971},{"word":"yep","start":815.22,"end":815.72,"confidence":0.9313965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.044185955077409744},{"word":"well","start":821.45996,"end":821.95996,"confidence":0.7788086,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.00023115496151149273},{"word":"yeah","start":843.64,"end":844.04004,"confidence":0.72265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007856810465455055},{"word":"i","start":844.04004,"end":844.12,"confidence":0.26416016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006877061910927296},{"word":"see","start":844.12,"end":844.44,"confidence":0.68774414,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.006768480874598026},{"word":"yeah","start":844.44,"end":844.76,"confidence":0.9621582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006451283115893602},{"word":"yep","start":844.76,"end":845.26,"confidence":0.9321289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01096714660525322},{"word":"yep","start":847.48004,"end":847.96,"confidence":0.9038086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01462986133992672},{"word":"that's","start":847.96,"end":848.28,"confidence":0.7110596,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.022433273494243625},{"word":"yeah","start":848.36005,"end":848.68,"confidence":0.98657227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.010744431987404823},{"word":"what","start":848.68,"end":848.92004,"confidence":0.47680664,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0005958890542387962},{"word":"what","start":848.92004,"end":849.16003,"confidence":0.36669922,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.002803725190460682},{"word":"does","start":849.16003,"end":849.24,"confidence":0.6010742,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0035252580419182777},{"word":"it","start":849.24,"end":849.495,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012085938826203346},{"word":"say","start":849.495,"end":849.995,"confidence":0.9667969,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.007211670279502869},{"word":"a","start":850.135,"end":850.375,"confidence":0.42773438,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.009148402139544489},{"word":"summary","start":850.375,"end":850.875,"confidence":0.49658203,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.015230112709105017},{"word":"separation","start":850.935,"end":851.435,"confidence":0.83984375,"punctuated_word":"separation","sentiment":"neutral","sentiment_score":0.018312226980924606},{"word":"insertion","start":851.65497,"end":852.15497,"confidence":0.68188477,"punctuated_word":"insertion.","sentiment":"neutral","sentiment_score":0.02274195477366447},{"word":"yep","start":853.575,"end":854.075,"confidence":0.9123535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1727256029844284},{"word":"yes","start":881.245,"end":881.745,"confidence":0.7519531,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07728371024131775},{"word":"yep","start":900.06,"end":900.345,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05131855607032776},{"word":"no","start":907.225,"end":907.70496,"confidence":0.85180664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.051664188504219055},{"word":"that's","start":907.70496,"end":908.105,"confidence":0.9213867,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.005806365516036749},{"word":"yeah","start":908.26495,"end":908.58496,"confidence":0.91186523,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.015060486271977425},{"word":"still","start":908.58496,"end":908.82495,"confidence":0.3251953,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.0003479793667793274},{"word":"pretty","start":908.82495,"end":909.32495,"confidence":0.99121094,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.0819927304983139},{"word":"good","start":909.545,"end":909.785,"confidence":0.8808594,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.4521023631095886},{"word":"i","start":909.785,"end":909.865,"confidence":0.8828125,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.46548378467559814},{"word":"reckon","start":909.865,"end":910.365,"confidence":0.99560547,"punctuated_word":"reckon.","sentiment":"positive","sentiment_score":0.496444970369339},{"word":"yep","start":936.935,"end":937.435,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.138456791639328},{"word":"thanks","start":947.6,"end":948.1,"confidence":0.6320801,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.21117740869522095},{"word":"yeah","start":949.76,"end":950.07996,"confidence":0.9589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15624941885471344},{"word":"still","start":950.07996,"end":950.32,"confidence":0.7626953,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.2049976587295532},{"word":"pretty","start":950.32,"end":950.48,"confidence":0.9951172,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3567992150783539},{"word":"happy","start":950.48,"end":950.88,"confidence":0.6920166,"punctuated_word":"happy.","sentiment":"neutral","sentiment_score":0.28293031454086304},{"word":"i","start":950.88,"end":950.95996,"confidence":0.38476562,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13218049705028534},{"word":"still","start":950.95996,"end":951.27997,"confidence":0.71777344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0769670307636261},{"word":"cover","start":951.27997,"end":951.6,"confidence":0.8959961,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.15937745571136477},{"word":"everything","start":951.6,"end":952.07996,"confidence":0.6491699,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.04158564284443855},{"word":"what's","start":952.07996,"end":952.32,"confidence":0.91186523,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.02068101242184639},{"word":"going","start":952.32,"end":952.72,"confidence":0.99316406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03124953061342239},{"word":"on","start":952.72,"end":953.025,"confidence":0.96069336,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.03433120623230934},{"word":"yep","start":974.63995,"end":975.13995,"confidence":0.87939453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10371676087379456},{"word":"yeah","start":979.19995,"end":979.545,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1180986985564232},{"word":"yep","start":990.90497,"end":991.40497,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05508176609873772},{"word":"yeah","start":1012.96497,"end":1013.365,"confidence":0.8666992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030624665319919583},{"word":"i","start":1013.365,"end":1013.52496,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03967545926570892},{"word":"did","start":1013.52496,"end":1013.765,"confidence":0.9560547,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05749882012605667},{"word":"save","start":1013.765,"end":1014.085,"confidence":0.88671875,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.03691811114549637},{"word":"an","start":1014.085,"end":1014.165,"confidence":0.8491211,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03296017646789551},{"word":"email","start":1014.165,"end":1014.565,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.03976263105869293},{"word":"there","start":1014.565,"end":1014.96497,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.037377241998910904},{"word":"yeah","start":1014.96497,"end":1015.46497,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09201540052890778},{"word":"yep","start":1044.225,"end":1044.69,"confidence":0.79663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22149807214736936},{"word":"k","start":1046.9299,"end":1047.4299,"confidence":0.7036133,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.05858609080314636},{"word":"yep","start":1048.37,"end":1048.7699,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06828422844409943},{"word":"yep","start":1048.7699,"end":1049.2699,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07000255584716797},{"word":"i","start":1050.5299,"end":1050.7699,"confidence":0.36889648,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1392311155796051},{"word":"wanna","start":1050.7699,"end":1051.1699,"confidence":0.8803711,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16329841315746307},{"word":"go","start":1051.1699,"end":1051.33,"confidence":0.8457031,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13322404026985168},{"word":"off","start":1051.33,"end":1051.57,"confidence":0.6680908,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.09690842032432556},{"word":"not","start":1051.57,"end":1051.8099,"confidence":0.69677734,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08041281998157501},{"word":"damn","start":1051.8099,"end":1052.3099,"confidence":0.7224121,"punctuated_word":"damn.","sentiment":"neutral","sentiment_score":0.07095545530319214},{"word":"yeah","start":1067.345,"end":1067.845,"confidence":0.9157715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06788592040538788},{"word":"yep","start":1093.295,"end":1093.62,"confidence":0.7553711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08154338598251343},{"word":"please","start":1099.38,"end":1099.88,"confidence":0.873291,"punctuated_word":"Please.","sentiment":"neutral","sentiment_score":0.18363726139068604},{"word":"can","start":1100.34,"end":1100.58,"confidence":0.5883789,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.04270019382238388},{"word":"you","start":1100.58,"end":1100.66,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050570711493492126},{"word":"put","start":1100.66,"end":1100.82,"confidence":0.18359375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0384192131459713},{"word":"me","start":1100.82,"end":1100.98,"confidence":0.7392578,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03297725319862366},{"word":"ahead","start":1100.98,"end":1101.14,"confidence":0.18444824,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.03771086037158966},{"word":"around","start":1101.14,"end":1101.54,"confidence":0.51220703,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03942055255174637},{"word":"that","start":1101.54,"end":1102.04,"confidence":0.99072266,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.03148343414068222},{"word":"yep","start":1111.635,"end":1112.135,"confidence":0.8540039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28927379846572876},{"word":"yeah","start":1131.52,"end":1131.885,"confidence":0.9421387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14321206510066986},{"word":"oh","start":1148.7001,"end":1148.9401,"confidence":0.82128906,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.07340269535779953},{"word":"yeah","start":1148.9401,"end":1149.4401,"confidence":0.9458008,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07736663520336151},{"word":"yeah","start":1150.14,"end":1150.54,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0827471911907196},{"word":"yeah","start":1150.54,"end":1150.78,"confidence":0.9050293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10058458149433136},{"word":"yeah","start":1150.78,"end":1151.28,"confidence":0.76000977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12485376745462418},{"word":"yep","start":1163.005,"end":1163.505,"confidence":0.95532227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09671753644943236},{"word":"lots","start":1166.0449,"end":1166.365,"confidence":0.88964844,"punctuated_word":"Lots","sentiment":"neutral","sentiment_score":0.10160119086503984},{"word":"of","start":1166.365,"end":1166.5249,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10183300077915192},{"word":"numbers","start":1166.5249,"end":1167.0249,"confidence":0.99853516,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":0.13044041395187378},{"word":"yep","start":1178.0701,"end":1178.5701,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18891510367393496},{"word":"yep","start":1184.395,"end":1184.715,"confidence":0.9255371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05431037396192551},{"word":"more","start":1184.715,"end":1185.115,"confidence":0.9902344,"punctuated_word":"More","sentiment":"neutral","sentiment_score":0.029435738921165463},{"word":"numbers","start":1185.115,"end":1185.615,"confidence":0.9946289,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":0.06438593566417694},{"word":"it","start":1192.715,"end":1192.875,"confidence":0.48950195,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.015698475763201714},{"word":"says","start":1192.875,"end":1193.195,"confidence":0.8774414,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.021971888840198517},{"word":"net","start":1193.195,"end":1193.515,"confidence":0.34472656,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.038122911006212234},{"word":"wealth","start":1193.515,"end":1194.015,"confidence":0.51220703,"punctuated_word":"wealth.","sentiment":"neutral","sentiment_score":0.0451778843998909},{"word":"asset","start":1195.995,"end":1196.495,"confidence":0.48388672,"punctuated_word":"Asset","sentiment":"neutral","sentiment_score":0.04768162965774536},{"word":"performance","start":1196.5549,"end":1197.0549,"confidence":0.95166016,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.04058893769979477},{"word":"details","start":1197.355,"end":1197.855,"confidence":0.9284668,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.050652142614126205},{"word":"oh","start":1201.77,"end":1202.01,"confidence":0.90527344,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.009086517617106438},{"word":"yeah","start":1202.01,"end":1202.17,"confidence":0.77783203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01304138731211424},{"word":"i","start":1202.17,"end":1202.25,"confidence":0.34472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008039841428399086},{"word":"know","start":1202.25,"end":1202.65,"confidence":0.984375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0006770119071006775},{"word":"the","start":1202.65,"end":1202.9701,"confidence":0.43847656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010908368974924088},{"word":"the","start":1202.9701,"end":1203.2101,"confidence":0.6357422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01433352567255497},{"word":"next","start":1203.2101,"end":1203.6101,"confidence":0.94628906,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.022370295599102977},{"word":"one","start":1203.6101,"end":1204.01,"confidence":0.6669922,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.01662169024348259},{"word":"next","start":1204.01,"end":1204.25,"confidence":0.5683594,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.018244747072458267},{"word":"document","start":1204.25,"end":1204.75,"confidence":0.9716797,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.014696257188916206},{"word":"oh","start":1206.7301,"end":1206.89,"confidence":0.89941406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03198915347456932},{"word":"yep","start":1206.89,"end":1207.29,"confidence":0.883138,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.029775340110063553},{"word":"certificate","start":1207.29,"end":1207.79,"confidence":0.96240234,"punctuated_word":"Certificate","sentiment":"neutral","sentiment_score":0.032013170421123505},{"word":"of","start":1207.8501,"end":1208.01,"confidence":0.671875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03952285647392273},{"word":"currency","start":1208.01,"end":1208.51,"confidence":0.72021484,"punctuated_word":"currency.","sentiment":"neutral","sentiment_score":0.035767655819654465},{"word":"clearview","start":1209.4501,"end":1209.9501,"confidence":0.7081706,"punctuated_word":"Clearview.","sentiment":"neutral","sentiment_score":0.06434541195631027},{"word":"yep","start":1210.0901,"end":1210.395,"confidence":0.88623047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07426027953624725},{"word":"yeah","start":1220.9551,"end":1221.355,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04538761079311371},{"word":"i","start":1221.355,"end":1221.515,"confidence":0.7084961,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03620590269565582},{"word":"view","start":1221.515,"end":1221.995,"confidence":0.71484375,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.04773566126823425},{"word":"services","start":1221.995,"end":1222.495,"confidence":0.890625,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.05002593994140625},{"word":"guide","start":1222.795,"end":1223.295,"confidence":0.73583984,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.06926336884498596},{"word":"yep","start":1247.495,"end":1247.995,"confidence":0.9345703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07367230206727982},{"word":"yep","start":1251.26,"end":1251.76,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05605539679527283},{"word":"net","start":1254.9401,"end":1255.18,"confidence":0.8120117,"punctuated_word":"Net","sentiment":"neutral","sentiment_score":0.05864869803190231},{"word":"wealth","start":1255.18,"end":1255.68,"confidence":0.607666,"punctuated_word":"wealth,","sentiment":"neutral","sentiment_score":0.07279162108898163},{"word":"advice","start":1255.7401,"end":1256.2201,"confidence":0.4638672,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06136888638138771},{"word":"fees","start":1256.2201,"end":1256.7201,"confidence":0.8659668,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.045907676219940186},{"word":"concert","start":1256.78,"end":1257.28,"confidence":0.38330078,"punctuated_word":"concert","sentiment":"neutral","sentiment_score":0.07334713637828827},{"word":"renewal","start":1257.3401,"end":1257.8401,"confidence":0.9604492,"punctuated_word":"renewal.","sentiment":"neutral","sentiment_score":0.05986153706908226},{"word":"yep","start":1262.6201,"end":1262.985,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.44901177287101746},{"word":"yep","start":1272.825,"end":1273.325,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31974050402641296},{"word":"yep","start":1279.96,"end":1280.46,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14915572106838226},{"word":"yep","start":1292.855,"end":1293.355,"confidence":0.91552734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1265515834093094},{"word":"yep","start":1299.975,"end":1300.475,"confidence":0.9904785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11890336126089096},{"word":"yeah","start":1311.42,"end":1311.9,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.113374263048172},{"word":"i'm","start":1311.9,"end":1312.0599,"confidence":0.923584,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08603312075138092},{"word":"just","start":1312.0599,"end":1312.3,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07571665197610855},{"word":"going","start":1312.3,"end":1312.62,"confidence":0.98828125,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07204115390777588},{"word":"into","start":1312.62,"end":1312.69,"confidence":0.8925781,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07184550911188126},{"word":"the","start":1312.69,"end":1312.94,"confidence":0.19421387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09790212661027908},{"word":"sewing","start":1312.94,"end":1313.42,"confidence":0.11853027,"punctuated_word":"sewing","sentiment":"neutral","sentiment_score":0.06866931170225143},{"word":"signature","start":1313.42,"end":1313.92,"confidence":0.9658203,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":0.06465329229831696},{"word":"yep","start":1317.385,"end":1317.885,"confidence":0.97875977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08228367567062378},{"word":"yeah","start":1318.1849,"end":1318.6849,"confidence":0.623291,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09554655849933624},{"word":"updated","start":1326.265,"end":1326.765,"confidence":0.77856445,"punctuated_word":"Updated.","sentiment":"neutral","sentiment_score":0.12338574975728989},{"word":"yep","start":1327.145,"end":1327.625,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08832158893346786},{"word":"validate","start":1327.625,"end":1328.125,"confidence":0.9897461,"punctuated_word":"Validate.","sentiment":"neutral","sentiment_score":0.12979882955551147},{"word":"yep","start":1328.265,"end":1328.765,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11190880835056304},{"word":"yeah","start":1334.14,"end":1334.4601,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.056573644280433655},{"word":"it's","start":1334.4601,"end":1334.8601,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06543473899364471},{"word":"loading","start":1334.8601,"end":1335.3601,"confidence":0.99902344,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.07292351871728897},{"word":"loading","start":1335.42,"end":1335.9,"confidence":0.8310547,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.07690256088972092},{"word":"now","start":1335.9,"end":1336.3,"confidence":0.9975586,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1231897920370102},{"word":"yep","start":1336.3,"end":1336.8,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2905695140361786},{"word":"oh","start":1349.5149,"end":1349.755,"confidence":0.8027344,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.26327788829803467},{"word":"yeah","start":1349.755,"end":1350.255,"confidence":0.9345703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.22931206226348877},{"word":"no","start":1374.345,"end":1374.585,"confidence":0.86865234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15751913189888},{"word":"no","start":1374.585,"end":1374.985,"confidence":0.84350586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18764805793762207},{"word":"not","start":1374.985,"end":1375.385,"confidence":0.5722656,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1907655894756317},{"word":"not","start":1375.385,"end":1375.865,"confidence":0.44873047,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2134736031293869},{"word":"yet","start":1375.865,"end":1376.1849,"confidence":0.37426758,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.2523060441017151},{"word":"what","start":1376.1849,"end":1376.345,"confidence":0.34838867,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.20657126605510712},{"word":"i'm","start":1376.345,"end":1376.585,"confidence":0.87597656,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16019335389137268},{"word":"thinking","start":1376.585,"end":1377.085,"confidence":0.7480469,"punctuated_word":"thinking.","sentiment":"neutral","sentiment_score":-0.1329348385334015},{"word":"that'd","start":1393.045,"end":1393.365,"confidence":0.61938477,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.4242822527885437},{"word":"be","start":1393.365,"end":1393.525,"confidence":0.9790039,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.49691125750541687},{"word":"great","start":1393.525,"end":1394.025,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.45215851068496704},{"word":"yeah","start":1401.525,"end":1401.765,"confidence":0.7076416,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4457533359527588},{"word":"thank","start":1401.765,"end":1402.005,"confidence":0.9941406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7664881944656372},{"word":"you","start":1402.005,"end":1402.165,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7815765142440796},{"word":"very","start":1402.165,"end":1402.325,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7726468443870544},{"word":"much","start":1402.325,"end":1402.5651,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.84012371301651},{"word":"for","start":1402.5651,"end":1402.725,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7877197265625},{"word":"your","start":1402.725,"end":1402.885,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7391146421432495},{"word":"time","start":1402.885,"end":1403.385,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.6276910305023193},{"word":"alright","start":1404.5449,"end":1405.0449,"confidence":0.85131836,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2596605718135834},{"word":"bye","start":1408.705,"end":1409.0399,"confidence":0.9628906,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.12339051812887192}],"paragraphs":{"transcript":"\nHello. Richard speaking. Yeah. Not bad. How are you?\n\nYep. Yep. Richard Moore. 4477449 Buck Street, Gunline, New South Wales 2380. Yep.\n\nVery. Yep. No. No. I think you see them pretty much.\n\nYeah. Nope. Yep. Nice and no. I've got kids.\n\nNo. They're young young. It's always been like that. Well, I've got a 19 year old, but he's he's got his own job. And I've got a thirty year now, David, 30.\n\nAnd what's that? 12. Yep. And was that? Yep.\n\nNo. Yep. No. Still the same. It's probably going up a little bit now.\n\nI would say well, it's hard to say. It's but it's probably going up to $1.30, but it can be more. Yeah. Yeah. It's probably about the same still.\n\nYep. Yep. Pardon? It's probably a little bit more. I'm sorry.\n\nIt'd be around 25. Oh, yeah. It was no. It wouldn't be that much. Probably only be at 20.\n\nYeah. Yep. Yeah. Yeah. I was probably a little bit I was probably about 25 now.\n\nProbably less than that. But yeah. Yeah. No. Not really.\n\nNo. I put I put I put batteries on, actually. Yeah. The solar battery backup on the battery, you know, you know, since we're all going green. I think it went through with the missus or something like $25.\n\nYeah. It's one of them. My wife got a loan through her name. Let's get it done. Yeah.\n\nI'm not quite sure what's through that's through. No. Not yet. I'm not going anywhere yet, I hope. Yep.\n\nYep. I'm out of. Is that a while ago? Yeah. I think that was something about the wheel and something like that.\n\nAnd I was getting I was gonna get one of my girls that worked up and look it up for me because I wasn't just quite sure about a few wordings. Yes. If you could, please. Yep. Yeah.\n\nYeah. I don't wanna work. Yeah. I'm pretty sure I'll print them off last time. I just sorta understand them a bit more, the legally sort of it.\n\nThat's all. Because one of our girls used to work at solicitors. I'm not I was just gonna get over. Have you on the road about it. She'll understand it.\n\nExplaining in Cayman terms to me. Yep. Will do. Yeah. Yeah.\n\nJust trying to get out of here, you know, get those last few bills paid off, get rid of this mortgage, and then yeah. Yep. No. I hope that I I probably get it at 60. Yes.\n\nYeah. Hello. I was probably getting moderate. Just for just get you timed at the moment, I think. Probably no.\n\nIt's been hard to lose. Whatever, guys. Yeah. It comes back up. So, yeah, for this yeah.\n\nJust sort of hold it. Yeah. Not me. I wouldn't. Yeah.\n\nYep. Yep. Not really. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. Yep.\n\nYeah. So what am I in now? I'm in the high growth, am I? Yeah. I might just keep it like that.\n\nYeah. It's yeah. My wife's gotta work for another ten years after I retire anyway, so we should be alright. Yeah. Yes.\n\nYep. Yep. What's the SAW document? Yep. Well, Yeah.\n\nI see. Yeah. Yep. Yep. That's yeah.\n\nWhat what does it say? A summary separation insertion. Yep. Yes. Yep.\n\nNo. That's yeah. Still pretty good, I reckon. Yep. Thanks.\n\nYeah. Still pretty happy. I still cover everything. What's going on? Yep.\n\nYeah. Yep. Yeah. I did save an email there. Yeah.\n\nYep. K. Yep. Yep. I wanna go off, not damn.\n\nYeah. Yep. Please. Can you put me ahead around that? Yep.\n\nYeah. Oh, yeah. Yeah. Yeah. Yeah.\n\nYep. Lots of numbers. Yep. Yep. More numbers.\n\nIt says net wealth. Asset performance details. Oh, yeah. I know the the next one, next document. Oh, yep.\n\nCertificate of currency. Clearview. Yep. Yeah. I view services guide.\n\nYep. Yep. Net wealth, advice fees, concert renewal. Yep. Yep.\n\nYep. Yep. Yep. Yeah. I'm just going into the sewing signature.\n\nYep. Yeah. Updated. Yep. Validate.\n\nYep. Yeah. It's loading loading now. Yep. Oh, yeah.\n\nNo. No. Not not yet. What I'm thinking. That'd be great.\n\nYeah. Thank you very much for your time. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.034875381737947464},{"text":"Richard speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.040103865787386894},{"text":"Yeah.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.18623784184455872},{"text":"Not bad.","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.3255155235528946},{"text":"How are you?","start":7.12,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.23286740481853485}],"sentiment":"neutral","sentiment_score":0.18343935741318596,"num_words":9,"start":0.39999998,"end":7.8599997},{"sentences":[{"text":"Yep.","start":14.785,"end":15.285,"sentiment":"positive","sentiment_score":0.34447407722473145},{"text":"Yep.","start":25.265,"end":25.765,"sentiment":"neutral","sentiment_score":0.1329568326473236},{"text":"Richard Moore.","start":36.64,"end":37.44,"sentiment":"neutral","sentiment_score":0.017739847768098116},{"text":"4477449 Buck Street, Gunline, New South Wales 2380.","start":37.44,"end":41.985,"sentiment":"neutral","sentiment_score":0.032743784599006176},{"text":"Yep.","start":45.245,"end":45.565,"sentiment":"neutral","sentiment_score":0.01090295147150755}],"sentiment":"neutral","sentiment_score":0.06044337182090832,"num_words":13,"start":14.785,"end":45.565},{"sentences":[{"text":"Very.","start":45.565,"end":46.065,"sentiment":"neutral","sentiment_score":0.1351500153541565},{"text":"Yep.","start":51.004997,"end":51.504997,"sentiment":"neutral","sentiment_score":0.12806087732315063},{"text":"No.","start":64.57,"end":65.07,"sentiment":"neutral","sentiment_score":-0.11264439672231674},{"text":"No.","start":65.29,"end":65.53,"sentiment":"neutral","sentiment_score":-0.11106590926647186},{"text":"I think you see them pretty much.","start":65.53,"end":67.305,"sentiment":"neutral","sentiment_score":-0.11706564149686269}],"sentiment":"neutral","sentiment_score":-0.07090535488995639,"num_words":11,"start":45.565,"end":67.305},{"sentences":[{"text":"Yeah.","start":67.625,"end":68.125,"sentiment":"neutral","sentiment_score":-0.0138217955827713},{"text":"Nope.","start":81.145004,"end":81.63,"sentiment":"neutral","sentiment_score":-0.06411410123109818},{"text":"Yep.","start":92.509995,"end":92.75,"sentiment":"neutral","sentiment_score":0.023068485781550407},{"text":"Nice and no.","start":92.75,"end":93.549995,"sentiment":"neutral","sentiment_score":0.05217250933249792},{"text":"I've got kids.","start":93.549995,"end":94.45,"sentiment":"neutral","sentiment_score":0.0148334422459205}],"sentiment":"neutral","sentiment_score":0.01623893818921513,"num_words":9,"start":67.625,"end":94.45},{"sentences":[{"text":"No.","start":99.185,"end":99.424995,"sentiment":"neutral","sentiment_score":-0.09837286174297331},{"text":"They're young young.","start":99.424995,"end":100.384995,"sentiment":"neutral","sentiment_score":-0.08897299071153005},{"text":"It's always been like that.","start":100.384995,"end":104.865,"sentiment":"neutral","sentiment_score":-0.057009585201740265},{"text":"Well, I've got a 19 year old, but he's he's got his own job.","start":104.865,"end":108.165,"sentiment":"neutral","sentiment_score":-0.034705107765538354},{"text":"And I've got a thirty year now, David, 30.","start":108.545,"end":112.5,"sentiment":"neutral","sentiment_score":0.0010323781752958894}],"sentiment":"neutral","sentiment_score":-0.035216245782066835,"num_words":32,"start":99.185,"end":112.5},{"sentences":[{"text":"And what's that?","start":113.759995,"end":114.479996,"sentiment":"neutral","sentiment_score":-0.02507509912053744},{"text":"12.","start":114.479996,"end":114.979996,"sentiment":"neutral","sentiment_score":-0.011796120554208755},{"text":"Yep.","start":120.88,"end":121.38,"sentiment":"neutral","sentiment_score":-0.04523017629981041},{"text":"And was that?","start":129.465,"end":130.445,"sentiment":"neutral","sentiment_score":0.04290320165455341},{"text":"Yep.","start":135.145,"end":135.645,"sentiment":"neutral","sentiment_score":0.02397606521844864}],"sentiment":"neutral","sentiment_score":0.0022704528851641547,"num_words":9,"start":113.759995,"end":135.645},{"sentences":[{"text":"No.","start":145.31,"end":145.79,"sentiment":"neutral","sentiment_score":-0.04401873797178269},{"text":"Yep.","start":145.79,"end":146.27,"sentiment":"neutral","sentiment_score":-0.058835308998823166},{"text":"No.","start":146.27,"end":146.67,"sentiment":"neutral","sentiment_score":-0.046897515654563904},{"text":"Still the same.","start":146.67,"end":147.65,"sentiment":"neutral","sentiment_score":-0.009605666001637777},{"text":"It's probably going up a little bit now.","start":152.115,"end":153.975,"sentiment":"neutral","sentiment_score":-0.0190625237300992}],"sentiment":"neutral","sentiment_score":-0.023647767890776907,"num_words":14,"start":145.31,"end":153.975},{"sentences":[{"text":"I would say well, it's hard to say.","start":155.315,"end":160.21501,"sentiment":"neutral","sentiment_score":-0.06285041361115873},{"text":"It's but it's probably going up to $1.30, but it can be more.","start":160.35501,"end":164.535,"sentiment":"neutral","sentiment_score":-0.0411627572029829},{"text":"Yeah.","start":177.11,"end":177.51001,"sentiment":"neutral","sentiment_score":0.03129861503839493},{"text":"Yeah.","start":177.51001,"end":177.83,"sentiment":"neutral","sentiment_score":0.027745485305786133},{"text":"It's probably about the same still.","start":177.83,"end":179.61,"sentiment":"neutral","sentiment_score":0.004003336963554223}],"sentiment":"neutral","sentiment_score":-0.03292603553112211,"num_words":29,"start":155.315,"end":179.61},{"sentences":[{"text":"Yep.","start":188.725,"end":189.225,"sentiment":"neutral","sentiment_score":0.08210311830043793},{"text":"Yep.","start":193.205,"end":193.525,"sentiment":"neutral","sentiment_score":0.043488483875989914},{"text":"Pardon?","start":193.525,"end":194.025,"sentiment":"neutral","sentiment_score":0.016159553080797195},{"text":"It's probably a little bit more.","start":200.14,"end":202.31999,"sentiment":"neutral","sentiment_score":-0.08995248811940353},{"text":"I'm sorry.","start":202.93999,"end":203.51999,"sentiment":"neutral","sentiment_score":-0.09435012936592102}],"sentiment":"neutral","sentiment_score":-0.05333309383554892,"num_words":11,"start":188.725,"end":203.51999},{"sentences":[{"text":"It'd be around 25.","start":203.57999,"end":205.43999,"sentiment":"neutral","sentiment_score":-0.0326625257730484},{"text":"Oh, yeah.","start":208.735,"end":209.295,"sentiment":"neutral","sentiment_score":-0.005138503387570381},{"text":"It was no.","start":209.295,"end":209.775,"sentiment":"neutral","sentiment_score":-0.07785372560222943},{"text":"It wouldn't be that much.","start":209.775,"end":211.075,"sentiment":"neutral","sentiment_score":-0.10694488734006882},{"text":"Probably only be at 20.","start":211.215,"end":212.75499,"sentiment":"neutral","sentiment_score":-0.07513427734375}],"sentiment":"neutral","sentiment_score":-0.06762547947858509,"num_words":19,"start":203.57999,"end":212.75499},{"sentences":[{"text":"Yeah.","start":214.575,"end":215.075,"sentiment":"neutral","sentiment_score":-0.007557198405265808},{"text":"Yep.","start":217.53499,"end":218.03499,"sentiment":"neutral","sentiment_score":0.017020048573613167},{"text":"Yeah.","start":222.735,"end":223.055,"sentiment":"neutral","sentiment_score":0.011460063979029655},{"text":"Yeah.","start":223.055,"end":223.2,"sentiment":"neutral","sentiment_score":0.009128741919994354},{"text":"I was probably a little bit I was probably about 25 now.","start":223.36,"end":226.26,"sentiment":"neutral","sentiment_score":-0.0095272451483955}],"sentiment":"neutral","sentiment_score":-0.005267205357085913,"num_words":16,"start":214.575,"end":226.26},{"sentences":[{"text":"Probably less than that.","start":227.92,"end":229.2,"sentiment":"neutral","sentiment_score":0.07268508337438107},{"text":"But yeah.","start":229.2,"end":229.86,"sentiment":"neutral","sentiment_score":0.0472639761865139},{"text":"Yeah.","start":234.56,"end":235.06,"sentiment":"neutral","sentiment_score":0.06986858695745468},{"text":"No.","start":239.775,"end":240.015,"sentiment":"neutral","sentiment_score":-0.15897467732429504},{"text":"Not really.","start":240.015,"end":240.75499,"sentiment":"neutral","sentiment_score":-0.1801961436867714}],"sentiment":"neutral","sentiment_score":-0.006423009186983108,"num_words":10,"start":227.92,"end":240.75499},{"sentences":[{"text":"No.","start":250.56999,"end":250.97,"sentiment":"neutral","sentiment_score":-0.0655897706747055},{"text":"I put I put I put batteries on, actually.","start":250.97,"end":255.15,"sentiment":"neutral","sentiment_score":-0.007071554867757691},{"text":"Yeah.","start":257.45,"end":257.95,"sentiment":"neutral","sentiment_score":0.058057043701410294},{"text":"The solar battery backup on the battery, you know, you know, since we're all going green.","start":258.16998,"end":264.26498,"sentiment":"neutral","sentiment_score":0.13551551825366914},{"text":"I think it went through with the missus or something like $25.","start":271.04498,"end":274.985,"sentiment":"neutral","sentiment_score":0.06938018649816513}],"sentiment":"neutral","sentiment_score":0.07511881562188649,"num_words":39,"start":250.56999,"end":274.985},{"sentences":[{"text":"Yeah.","start":280.83,"end":281.23,"sentiment":"neutral","sentiment_score":0.06317386031150818},{"text":"It's one of them.","start":281.23,"end":282.29,"sentiment":"neutral","sentiment_score":0.08663626480847597},{"text":"My wife got a loan through her name.","start":283.15,"end":285.41,"sentiment":"neutral","sentiment_score":0.11074875481426716},{"text":"Let's get it done.","start":286.35,"end":287.23,"sentiment":"neutral","sentiment_score":0.11713913641870022},{"text":"Yeah.","start":287.23,"end":287.47,"sentiment":"neutral","sentiment_score":0.022072218358516693}],"sentiment":"neutral","sentiment_score":0.09924098456071483,"num_words":18,"start":280.83,"end":287.47},{"sentences":[{"text":"I'm not quite sure what's through that's through.","start":287.47,"end":289.81,"sentiment":"neutral","sentiment_score":-0.06329801864922047},{"text":"No.","start":298.935,"end":299.255,"sentiment":"neutral","sentiment_score":-0.06245630979537964},{"text":"Not yet.","start":299.255,"end":299.975,"sentiment":"neutral","sentiment_score":-0.08626819029450417},{"text":"I'm not going anywhere yet, I hope.","start":299.975,"end":301.835,"sentiment":"neutral","sentiment_score":-0.07831728351967675},{"text":"Yep.","start":314.85,"end":315.35,"sentiment":"neutral","sentiment_score":0.2304687798023224}],"sentiment":"neutral","sentiment_score":-0.055743633916503506,"num_words":19,"start":287.47,"end":315.35},{"sentences":[{"text":"Yep.","start":316.37,"end":316.87,"sentiment":"neutral","sentiment_score":0.148532435297966},{"text":"I'm out of.","start":330.385,"end":331.285,"sentiment":"neutral","sentiment_score":-0.07191164543231328},{"text":"Is that a while ago?","start":332.305,"end":333.48,"sentiment":"neutral","sentiment_score":-0.03377348072826862},{"text":"Yeah.","start":336.52002,"end":336.84,"sentiment":"neutral","sentiment_score":0.0009073223918676376},{"text":"I think that was something about the wheel and something like that.","start":336.84,"end":340.52002,"sentiment":"neutral","sentiment_score":-0.008770378616948923}],"sentiment":"neutral","sentiment_score":-0.015473051165992563,"num_words":22,"start":316.37,"end":340.52002},{"sentences":[{"text":"And I was getting I was gonna get one of my girls that worked up and look it up for me because I wasn't just quite sure about a few wordings.","start":340.52002,"end":346.86002,"sentiment":"neutral","sentiment_score":0.01808271707305985},{"text":"Yes.","start":355.955,"end":356.195,"sentiment":"neutral","sentiment_score":0.07575103640556335},{"text":"If you could, please.","start":356.195,"end":357.335,"sentiment":"neutral","sentiment_score":0.048084694892168045},{"text":"Yep.","start":360.275,"end":360.775,"sentiment":"neutral","sentiment_score":0.008637920022010803},{"text":"Yeah.","start":360.835,"end":361.315,"sentiment":"neutral","sentiment_score":0.004699753597378731}],"sentiment":"neutral","sentiment_score":0.022157676812065274,"num_words":38,"start":340.52002,"end":361.315},{"sentences":[{"text":"Yeah.","start":361.315,"end":361.77,"sentiment":"neutral","sentiment_score":0.005957876332104206},{"text":"I don't wanna work.","start":362.65,"end":363.78998,"sentiment":"neutral","sentiment_score":-0.08457387611269951},{"text":"Yeah.","start":364.00998,"end":364.33,"sentiment":"neutral","sentiment_score":0.0618356317281723},{"text":"I'm pretty sure I'll print them off last time.","start":364.33,"end":366.34998,"sentiment":"neutral","sentiment_score":0.1828443424569236},{"text":"I just sorta understand them a bit more, the legally sort of it.","start":378.26498,"end":382.985,"sentiment":"neutral","sentiment_score":-0.0030967419823774924}],"sentiment":"neutral","sentiment_score":0.04767283714110298,"num_words":28,"start":361.315,"end":382.985},{"sentences":[{"text":"That's all.","start":382.985,"end":383.805,"sentiment":"neutral","sentiment_score":-0.006392691750079393},{"text":"Because one of our girls used to work at solicitors.","start":384.425,"end":387.32498,"sentiment":"neutral","sentiment_score":-0.0426308561116457},{"text":"I'm not I was just gonna get over.","start":387.94498,"end":390.04498,"sentiment":"neutral","sentiment_score":-0.028957273811101913},{"text":"Have you on the road about it.","start":390.68,"end":392.75998,"sentiment":"neutral","sentiment_score":0.01149060098188264},{"text":"She'll understand it.","start":392.75998,"end":394.06,"sentiment":"neutral","sentiment_score":0.14198403805494308}],"sentiment":"neutral","sentiment_score":-0.005478860468914113,"num_words":30,"start":382.985,"end":394.06},{"sentences":[{"text":"Explaining in Cayman terms to me.","start":395.56,"end":397.9,"sentiment":"neutral","sentiment_score":0.07509476194779079},{"text":"Yep.","start":408.48502,"end":408.965,"sentiment":"neutral","sentiment_score":0.1297370195388794},{"text":"Will do.","start":408.965,"end":409.70502,"sentiment":"neutral","sentiment_score":0.17851977795362473},{"text":"Yeah.","start":433.095,"end":433.595,"sentiment":"neutral","sentiment_score":0.043580539524555206},{"text":"Yeah.","start":434.055,"end":434.535,"sentiment":"neutral","sentiment_score":0.06313813477754593}],"sentiment":"neutral","sentiment_score":0.09491489285772498,"num_words":11,"start":395.56,"end":434.535},{"sentences":[{"text":"Just trying to get out of here, you know, get those last few bills paid off, get rid of this mortgage, and then yeah.","start":434.535,"end":441.685,"sentiment":"neutral","sentiment_score":0.03916698585574826},{"text":"Yep.","start":459.045,"end":459.545,"sentiment":"neutral","sentiment_score":0.0248887836933136},{"text":"No.","start":472.54,"end":472.7,"sentiment":"neutral","sentiment_score":-0.14749793708324432},{"text":"I hope that I I probably get it at 60.","start":472.7,"end":475.36002,"sentiment":"neutral","sentiment_score":-0.14779837131500245},{"text":"Yes.","start":483.5,"end":483.825,"sentiment":"neutral","sentiment_score":0.07785458862781525}],"sentiment":"neutral","sentiment_score":-0.015749476145248156,"num_words":37,"start":434.535,"end":483.825},{"sentences":[{"text":"Yeah.","start":484.225,"end":484.725,"sentiment":"neutral","sentiment_score":0.09529255330562592},{"text":"Hello.","start":509.28,"end":509.44,"sentiment":"neutral","sentiment_score":0.004566915333271027},{"text":"I was probably getting moderate.","start":509.44,"end":510.9,"sentiment":"neutral","sentiment_score":-0.0008254647254943848},{"text":"Just for just get you timed at the moment, I think.","start":511.765,"end":514.585,"sentiment":"neutral","sentiment_score":0.045367746529254044},{"text":"Probably no.","start":553.08,"end":554.36,"sentiment":"neutral","sentiment_score":-0.3013879656791687}],"sentiment":"neutral","sentiment_score":-0.0003999287262558937,"num_words":20,"start":484.225,"end":554.36},{"sentences":[{"text":"It's been hard to lose.","start":554.36,"end":555.66,"sentiment":"negative","sentiment_score":-0.43140475153923036},{"text":"Whatever, guys.","start":558.36,"end":559.0,"sentiment":"neutral","sentiment_score":-0.11817383021116257},{"text":"Yeah.","start":559.0,"end":559.24,"sentiment":"neutral","sentiment_score":-0.01692013069987297},{"text":"It comes back up.","start":559.24,"end":560.175,"sentiment":"neutral","sentiment_score":-0.010132329538464546},{"text":"So, yeah, for this yeah.","start":560.175,"end":565.135,"sentiment":"neutral","sentiment_score":-0.020768125355243684}],"sentiment":"neutral","sentiment_score":-0.15027420551461332,"num_words":17,"start":554.36,"end":565.135},{"sentences":[{"text":"Just sort of hold it.","start":565.135,"end":566.515,"sentiment":"neutral","sentiment_score":-0.054636767506599425},{"text":"Yeah.","start":567.535,"end":568.035,"sentiment":"neutral","sentiment_score":0.07951144129037857},{"text":"Not me.","start":580.91,"end":581.39,"sentiment":"neutral","sentiment_score":-0.10025084018707275},{"text":"I wouldn't.","start":581.39,"end":582.05,"sentiment":"neutral","sentiment_score":-0.10711594298481941},{"text":"Yeah.","start":596.175,"end":596.675,"sentiment":"neutral","sentiment_score":0.02630852721631527}],"sentiment":"neutral","sentiment_score":-0.052917948670007965,"num_words":11,"start":565.135,"end":596.675},{"sentences":[{"text":"Yep.","start":602.86,"end":603.36,"sentiment":"neutral","sentiment_score":0.05883369967341423},{"text":"Yep.","start":608.22003,"end":608.72003,"sentiment":"neutral","sentiment_score":0.007430497091263533},{"text":"Not really.","start":611.26,"end":611.955,"sentiment":"neutral","sentiment_score":-0.06267576105892658},{"text":"Yep.","start":622.275,"end":622.775,"sentiment":"neutral","sentiment_score":0.09081422537565231},{"text":"Yep.","start":625.47504,"end":625.92,"sentiment":"neutral","sentiment_score":0.09179212898015976}],"sentiment":"neutral","sentiment_score":0.02058650483377278,"num_words":6,"start":602.86,"end":625.92},{"sentences":[{"text":"Yeah.","start":637.83997,"end":638.235,"sentiment":"neutral","sentiment_score":0.09679152071475984},{"text":"Yep.","start":674.585,"end":675.085,"sentiment":"neutral","sentiment_score":0.04916761815547943},{"text":"Yep.","start":691.555,"end":692.055,"sentiment":"neutral","sentiment_score":0.15990297496318817},{"text":"Yeah.","start":709.32996,"end":709.82996,"sentiment":"neutral","sentiment_score":0.06638950854539871},{"text":"Yep.","start":717.97,"end":718.365,"sentiment":"neutral","sentiment_score":0.0596667155623436}],"sentiment":"neutral","sentiment_score":0.08638366758823394,"num_words":5,"start":637.83997,"end":718.365},{"sentences":[{"text":"Yeah.","start":724.285,"end":724.785,"sentiment":"neutral","sentiment_score":0.03444396331906319},{"text":"So what am I in now?","start":725.40497,"end":726.605,"sentiment":"neutral","sentiment_score":0.020539102454980213},{"text":"I'm in the high growth, am I?","start":726.605,"end":728.305,"sentiment":"neutral","sentiment_score":0.07847077772021294},{"text":"Yeah.","start":729.805,"end":730.305,"sentiment":"neutral","sentiment_score":0.10060994327068327},{"text":"I might just keep it like that.","start":731.5,"end":733.2,"sentiment":"neutral","sentiment_score":0.058894094611917226}],"sentiment":"neutral","sentiment_score":0.05544739216566086,"num_words":22,"start":724.285,"end":733.2},{"sentences":[{"text":"Yeah.","start":734.94,"end":735.44,"sentiment":"neutral","sentiment_score":0.06730999052524567},{"text":"It's yeah.","start":736.78,"end":743.865,"sentiment":"neutral","sentiment_score":0.0661898534744978},{"text":"My wife's gotta work for another ten years after I retire anyway, so we should be alright.","start":745.625,"end":749.885,"sentiment":"neutral","sentiment_score":-0.011536669725661768},{"text":"Yeah.","start":758.105,"end":758.55,"sentiment":"neutral","sentiment_score":-0.04486297816038132},{"text":"Yes.","start":768.70996,"end":769.20996,"sentiment":"neutral","sentiment_score":0.16610872745513916}],"sentiment":"neutral","sentiment_score":0.00567327551967041,"num_words":22,"start":734.94,"end":769.20996},{"sentences":[{"text":"Yep.","start":774.725,"end":775.225,"sentiment":"neutral","sentiment_score":0.11889033019542694},{"text":"Yep.","start":790.82,"end":791.32,"sentiment":"neutral","sentiment_score":0.1641668975353241},{"text":"What's the SAW document?","start":811.54,"end":813.0,"sentiment":"neutral","sentiment_score":0.06525128148496151},{"text":"Yep.","start":815.22,"end":815.72,"sentiment":"neutral","sentiment_score":0.044185955077409744},{"text":"Well, Yeah.","start":821.45996,"end":844.04004,"sentiment":"neutral","sentiment_score":0.004043982713483274}],"sentiment":"neutral","sentiment_score":0.06625958601944149,"num_words":9,"start":774.725,"end":844.04004},{"sentences":[{"text":"I see.","start":844.04004,"end":844.44,"sentiment":"neutral","sentiment_score":0.006822771392762661},{"text":"Yeah.","start":844.44,"end":844.76,"sentiment":"neutral","sentiment_score":0.006451283115893602},{"text":"Yep.","start":844.76,"end":845.26,"sentiment":"neutral","sentiment_score":0.01096714660525322},{"text":"Yep.","start":847.48004,"end":847.96,"sentiment":"neutral","sentiment_score":0.01462986133992672},{"text":"That's yeah.","start":847.96,"end":848.68,"sentiment":"neutral","sentiment_score":0.016588852740824223}],"sentiment":"neutral","sentiment_score":0.011267362761178188,"num_words":7,"start":844.04004,"end":848.68},{"sentences":[{"text":"What what does it say?","start":848.68,"end":849.995,"sentiment":"neutral","sentiment_score":0.005244496278464794},{"text":"A summary separation insertion.","start":850.135,"end":852.15497,"sentiment":"neutral","sentiment_score":0.016358174150809646},{"text":"Yep.","start":853.575,"end":854.075,"sentiment":"neutral","sentiment_score":0.1727256029844284},{"text":"Yes.","start":881.245,"end":881.745,"sentiment":"neutral","sentiment_score":0.07728371024131775},{"text":"Yep.","start":900.06,"end":900.345,"sentiment":"neutral","sentiment_score":0.05131855607032776}],"sentiment":"neutral","sentiment_score":0.03274858727430304,"num_words":12,"start":848.68,"end":900.345},{"sentences":[{"text":"No.","start":907.225,"end":907.70496,"sentiment":"neutral","sentiment_score":-0.051664188504219055},{"text":"That's yeah.","start":907.70496,"end":908.58496,"sentiment":"neutral","sentiment_score":-0.010433425894007087},{"text":"Still pretty good, I reckon.","start":908.58496,"end":910.365,"sentiment":"neutral","sentiment_score":0.2992743656039238},{"text":"Yep.","start":936.935,"end":937.435,"sentiment":"neutral","sentiment_score":0.138456791639328},{"text":"Thanks.","start":947.6,"end":948.1,"sentiment":"neutral","sentiment_score":0.21117740869522095}],"sentiment":"neutral","sentiment_score":0.17734749880619347,"num_words":10,"start":907.225,"end":948.1},{"sentences":[{"text":"Yeah.","start":949.76,"end":950.07996,"sentiment":"neutral","sentiment_score":0.15624941885471344},{"text":"Still pretty happy.","start":950.07996,"end":950.88,"sentiment":"neutral","sentiment_score":0.28157572944959003},{"text":"I still cover everything.","start":950.88,"end":952.07996,"sentiment":"neutral","sentiment_score":0.10252765659242868},{"text":"What's going on?","start":952.07996,"end":953.025,"sentiment":"neutral","sentiment_score":0.028753916422526043},{"text":"Yep.","start":974.63995,"end":975.13995,"sentiment":"neutral","sentiment_score":0.10371676087379456}],"sentiment":"neutral","sentiment_score":0.13342214530954757,"num_words":12,"start":949.76,"end":975.13995},{"sentences":[{"text":"Yeah.","start":979.19995,"end":979.545,"sentiment":"neutral","sentiment_score":0.1180986985564232},{"text":"Yep.","start":990.90497,"end":991.40497,"sentiment":"neutral","sentiment_score":0.05508176609873772},{"text":"Yeah.","start":1012.96497,"end":1013.365,"sentiment":"neutral","sentiment_score":0.030624665319919583},{"text":"I did save an email there.","start":1013.365,"end":1014.96497,"sentiment":"neutral","sentiment_score":0.04069874001046022},{"text":"Yeah.","start":1014.96497,"end":1015.46497,"sentiment":"neutral","sentiment_score":0.09201540052890778}],"sentiment":"neutral","sentiment_score":0.05400129705667496,"num_words":10,"start":979.19995,"end":1015.46497},{"sentences":[{"text":"Yep.","start":1044.225,"end":1044.69,"sentiment":"neutral","sentiment_score":0.22149807214736936},{"text":"K.","start":1046.9299,"end":1047.4299,"sentiment":"neutral","sentiment_score":0.05858609080314636},{"text":"Yep.","start":1048.37,"end":1048.7699,"sentiment":"neutral","sentiment_score":0.06828422844409943},{"text":"Yep.","start":1048.7699,"end":1049.2699,"sentiment":"neutral","sentiment_score":0.07000255584716797},{"text":"I wanna go off, not damn.","start":1050.5299,"end":1052.3099,"sentiment":"neutral","sentiment_score":0.11400504410266876}],"sentiment":"neutral","sentiment_score":0.11024012118577957,"num_words":10,"start":1044.225,"end":1052.3099},{"sentences":[{"text":"Yeah.","start":1067.345,"end":1067.845,"sentiment":"neutral","sentiment_score":0.06788592040538788},{"text":"Yep.","start":1093.295,"end":1093.62,"sentiment":"neutral","sentiment_score":0.08154338598251343},{"text":"Please.","start":1099.38,"end":1099.88,"sentiment":"neutral","sentiment_score":0.18363726139068604},{"text":"Can you put me ahead around that?","start":1100.34,"end":1102.04,"sentiment":"neutral","sentiment_score":0.039040316960641315},{"text":"Yep.","start":1111.635,"end":1112.135,"sentiment":"neutral","sentiment_score":0.28927379846572876}],"sentiment":"neutral","sentiment_score":0.08142023499716412,"num_words":11,"start":1067.345,"end":1112.135},{"sentences":[{"text":"Yeah.","start":1131.52,"end":1131.885,"sentiment":"neutral","sentiment_score":0.14321206510066986},{"text":"Oh, yeah.","start":1148.7001,"end":1149.4401,"sentiment":"neutral","sentiment_score":0.07538466528058052},{"text":"Yeah.","start":1150.14,"end":1150.54,"sentiment":"neutral","sentiment_score":0.0827471911907196},{"text":"Yeah.","start":1150.54,"end":1150.78,"sentiment":"neutral","sentiment_score":0.10058458149433136},{"text":"Yeah.","start":1150.78,"end":1151.28,"sentiment":"neutral","sentiment_score":0.12485376745462418}],"sentiment":"neutral","sentiment_score":0.10036115596691768,"num_words":6,"start":1131.52,"end":1151.28},{"sentences":[{"text":"Yep.","start":1163.005,"end":1163.505,"sentiment":"neutral","sentiment_score":0.09671753644943236},{"text":"Lots of numbers.","start":1166.0449,"end":1167.0249,"sentiment":"neutral","sentiment_score":0.11129153519868851},{"text":"Yep.","start":1178.0701,"end":1178.5701,"sentiment":"neutral","sentiment_score":0.18891510367393496},{"text":"Yep.","start":1184.395,"end":1184.715,"sentiment":"neutral","sentiment_score":0.05431037396192551},{"text":"More numbers.","start":1184.715,"end":1185.615,"sentiment":"neutral","sentiment_score":0.046910837292671204}],"sentiment":"neutral","sentiment_score":0.0959549117833376,"num_words":8,"start":1163.005,"end":1185.615},{"sentences":[{"text":"It says net wealth.","start":1192.715,"end":1194.015,"sentiment":"neutral","sentiment_score":0.03024279000237584},{"text":"Asset performance details.","start":1195.995,"end":1197.855,"sentiment":"neutral","sentiment_score":0.04630756999055544},{"text":"Oh, yeah.","start":1201.77,"end":1202.17,"sentiment":"neutral","sentiment_score":0.011063952464610338},{"text":"I know the the next one, next document.","start":1202.17,"end":1204.75,"sentiment":"neutral","sentiment_score":0.013067214284092188},{"text":"Oh, yep.","start":1206.7301,"end":1207.29,"sentiment":"neutral","sentiment_score":0.030882246792316437}],"sentiment":"neutral","sentiment_score":0.02359599909304004,"num_words":19,"start":1192.715,"end":1207.29},{"sentences":[{"text":"Certificate of currency.","start":1207.29,"end":1208.51,"sentiment":"neutral","sentiment_score":0.035767894238233566},{"text":"Clearview.","start":1209.4501,"end":1209.9501,"sentiment":"neutral","sentiment_score":0.06434541195631027},{"text":"Yep.","start":1210.0901,"end":1210.395,"sentiment":"neutral","sentiment_score":0.07426027953624725},{"text":"Yeah.","start":1220.9551,"end":1221.355,"sentiment":"neutral","sentiment_score":0.04538761079311371},{"text":"I view services guide.","start":1221.355,"end":1223.295,"sentiment":"neutral","sentiment_score":0.05080771818757057}],"sentiment":"neutral","sentiment_score":0.04945278577506542,"num_words":10,"start":1207.29,"end":1223.295},{"sentences":[{"text":"Yep.","start":1247.495,"end":1247.995,"sentiment":"neutral","sentiment_score":0.07367230206727982},{"text":"Yep.","start":1251.26,"end":1251.76,"sentiment":"neutral","sentiment_score":0.05605539679527283},{"text":"Net wealth, advice fees, concert renewal.","start":1254.9401,"end":1257.8401,"sentiment":"neutral","sentiment_score":0.061987592528263726},{"text":"Yep.","start":1262.6201,"end":1262.985,"sentiment":"positive","sentiment_score":0.44901177287101746},{"text":"Yep.","start":1272.825,"end":1273.325,"sentiment":"neutral","sentiment_score":0.31974050402641296}],"sentiment":"neutral","sentiment_score":0.12704055309295653,"num_words":10,"start":1247.495,"end":1273.325},{"sentences":[{"text":"Yep.","start":1279.96,"end":1280.46,"sentiment":"neutral","sentiment_score":0.14915572106838226},{"text":"Yep.","start":1292.855,"end":1293.355,"sentiment":"neutral","sentiment_score":0.1265515834093094},{"text":"Yep.","start":1299.975,"end":1300.475,"sentiment":"neutral","sentiment_score":0.11890336126089096},{"text":"Yeah.","start":1311.42,"end":1311.9,"sentiment":"neutral","sentiment_score":0.113374263048172},{"text":"I'm just going into the sewing signature.","start":1311.9,"end":1313.92,"sentiment":"neutral","sentiment_score":0.0766944523368563}],"sentiment":"neutral","sentiment_score":0.09498600864952261,"num_words":11,"start":1279.96,"end":1313.92},{"sentences":[{"text":"Yep.","start":1317.385,"end":1317.885,"sentiment":"neutral","sentiment_score":0.08228367567062378},{"text":"Yeah.","start":1318.1849,"end":1318.6849,"sentiment":"neutral","sentiment_score":0.09554655849933624},{"text":"Updated.","start":1326.265,"end":1326.765,"sentiment":"neutral","sentiment_score":0.12338574975728989},{"text":"Yep.","start":1327.145,"end":1327.625,"sentiment":"neutral","sentiment_score":0.08832158893346786},{"text":"Validate.","start":1327.625,"end":1328.125,"sentiment":"neutral","sentiment_score":0.12979882955551147}],"sentiment":"neutral","sentiment_score":0.10386728048324585,"num_words":5,"start":1317.385,"end":1328.125},{"sentences":[{"text":"Yep.","start":1328.265,"end":1328.765,"sentiment":"neutral","sentiment_score":0.11190880835056304},{"text":"Yeah.","start":1334.14,"end":1334.4601,"sentiment":"neutral","sentiment_score":0.056573644280433655},{"text":"It's loading loading now.","start":1334.4601,"end":1336.3,"sentiment":"neutral","sentiment_score":0.0846126526594162},{"text":"Yep.","start":1336.3,"end":1336.8,"sentiment":"neutral","sentiment_score":0.2905695140361786},{"text":"Oh, yeah.","start":1349.5149,"end":1350.255,"sentiment":"neutral","sentiment_score":0.24629497528076172}],"sentiment":"neutral","sentiment_score":0.14334361420737374,"num_words":9,"start":1328.265,"end":1350.255},{"sentences":[{"text":"No.","start":1374.345,"end":1374.585,"sentiment":"neutral","sentiment_score":-0.15751913189888},{"text":"No.","start":1374.585,"end":1374.985,"sentiment":"neutral","sentiment_score":-0.18764805793762207},{"text":"Not not yet.","start":1374.985,"end":1376.1849,"sentiment":"neutral","sentiment_score":-0.2188484122355779},{"text":"What I'm thinking.","start":1376.1849,"end":1377.085,"sentiment":"neutral","sentiment_score":-0.16656648615996042},{"text":"That'd be great.","start":1393.045,"end":1394.025,"sentiment":"positive","sentiment_score":0.4577840069929759}],"sentiment":"neutral","sentiment_score":-0.011641805822199041,"num_words":11,"start":1374.345,"end":1394.025},{"sentences":[{"text":"Yeah.","start":1401.525,"end":1401.765,"sentiment":"positive","sentiment_score":0.4457533359527588},{"text":"Thank you very much for your time.","start":1401.765,"end":1403.385,"sentiment":"positive","sentiment_score":0.75933723790305},{"text":"Alright.","start":1404.5449,"end":1405.0449,"sentiment":"neutral","sentiment_score":0.2596605718135834},{"text":"Bye.","start":1408.705,"end":1409.0399,"sentiment":"neutral","sentiment_score":-0.12339051812887192}],"sentiment":"positive","sentiment_score":0.5897384054958821,"num_words":10,"start":1401.525,"end":1409.0399}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Richard speaking.\n\nChannel 0: Good afternoon, Richard. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Yeah. Not bad. How are you?\n\nChannel 0: Good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for\n\nChannel 1: Yep.\n\nChannel 0: you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Richard Moore. 4477449 Buck Street, Gunline, New South Wales 2380.\n\nChannel 0: Perfect. And how's your day been? Been\n\nChannel 1: Yep.\n\nChannel 0: busy?\n\nChannel 1: Very.\n\nChannel 0: Well, I will try not to keep you for too long. I'll try to make it quick for you, Richard.\n\nChannel 1: Yep.\n\nChannel 0: Before I go any further, I do like to start by asking as well if there is anything specific you are hoping to get out of the review today or any particular questions or just a bit of a catch up really and see where everything's at?\n\nChannel 1: No. No. I think you see them pretty\n\nChannel 0: No.\n\nChannel 1: much. Yeah.\n\nChannel 0: Yep. Alright. Perfect. So what I will do is just quickly run through a bit of an updated fact find with you just to see if there is anything major that has changed and if we need to make any tweaks and changes to your advice.\n\nChannel 1: Nope.\n\nChannel 0: Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that right?\n\nChannel 1: Yep. Nice and no. I've got kids.\n\nChannel 0: Yeah. Are they still financially dependent on you, or are they older?\n\nChannel 1: No. They're young young. It's always been like\n\nChannel 0: Okay. Perfect. And how old are they?\n\nChannel 1: that. Well, I've got a 19 year old, but he's he's got his own job. And\n\nChannel 0: Yep.\n\nChannel 1: I've got a thirty year now, David, 30. And what's that? 12.\n\nChannel 0: Beautiful. Sorry. Kind of two still relying on you financially?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now next up, Ken, I have here Kyla nominated. That's still the case as well?\n\nChannel 1: And was that?\n\nChannel 0: Next up, Ken, I have your wife nominated. Is that\n\nChannel 1: Yep.\n\nChannel 0: the case? That hasn't changed. And her phone number hasn't changed. It's still the same. Yep.\n\nBeautiful. Occupation wise, are you still working as a boilermaker supervisor, or has\n\nChannel 1: No.\n\nChannel 0: any of that\n\nChannel 1: Yep.\n\nChannel 0: changed?\n\nChannel 1: No. Still\n\nChannel 0: Yep.\n\nChannel 1: the same.\n\nChannel 0: Same. Perfect. Income at about 01:20, or has that changed?\n\nChannel 1: It's probably going up a little bit now.\n\nChannel 0: Yeah. How much\n\nChannel 1: I would say\n\nChannel 0: would you think?\n\nChannel 1: well, it's hard to say. It's but it's probably going up to $1.30, but it can\n\nChannel 0: About\n\nChannel 1: be\n\nChannel 0: one\n\nChannel 1: more.\n\nChannel 0: 30. Yep. Alright. Perfect. I'll put roughly $1.30.\n\nAsset wise, I have here your property was last tied at about 580,000.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Is\n\nChannel 1: It's\n\nChannel 0: that still\n\nChannel 1: probably\n\nChannel 0: okay?\n\nChannel 1: about the same still.\n\nChannel 0: Yeah. Perfect. And mortgage about $1.80? Yep. I have three motor vehicle combined value at about $1.20.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. 15 owing combined.\n\nChannel 1: Yep. Pardon?\n\nChannel 0: 15,000 owing combined on on all three. Does that sound about right?\n\nChannel 1: It's probably a little bit more. I'm sorry.\n\nChannel 0: Mhmm.\n\nChannel 1: It'd be around 25.\n\nChannel 0: About 25. Perfect. Do you\n\nChannel 1: Oh, yeah. It was no. It wouldn't be that much. Probably only\n\nChannel 0: No?\n\nChannel 1: be at 20.\n\nChannel 0: About 20? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And do you still have the caravan?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Still about 50 with about 28 owing.\n\nChannel 1: Yeah. Yeah. I was probably a\n\nChannel 0: Yep.\n\nChannel 1: little bit I was probably about 25 now.\n\nChannel 0: About 25. Great.\n\nChannel 1: Probably less than that. But yeah.\n\nChannel 0: Yep. And then about 2,000 in ZipPay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Any other assets? Anything else that's changed for you?\n\nChannel 1: No. Not really.\n\nChannel 0: No. Not easy. Now health and lifestyle wise, has any have you had any changes to your health or injuries or issues or\n\nChannel 1: No.\n\nChannel 0: anything\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: put\n\nChannel 0: the last\n\nChannel 1: I\n\nChannel 0: twelve\n\nChannel 1: put\n\nChannel 0: months?\n\nChannel 1: I put batteries on, actually.\n\nChannel 0: Batteries?\n\nChannel 1: Yeah. The solar battery backup\n\nChannel 0: Ah, yes. Yes.\n\nChannel 1: on\n\nChannel 0: Yes.\n\nChannel 1: the battery, you know, you know, since we're all going\n\nChannel 0: Perfect.\n\nChannel 1: green.\n\nChannel 0: Yes. And how much are they worth? Did you know?\n\nChannel 1: I think it went through with the missus or something like $25.\n\nChannel 0: Okay. Perfect. And did you take a a loan or anything for them, or did you\n\nChannel 1: Yeah.\n\nChannel 0: guys pay them?\n\nChannel 1: It's one of them.\n\nChannel 0: Yeah.\n\nChannel 1: My wife got a loan through her name.\n\nChannel 0: Okay.\n\nChannel 1: Let's get it done. Yeah. I'm not quite sure\n\nChannel 0: Yep.\n\nChannel 1: what's through that's through.\n\nChannel 0: No. That's all good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place, Richard?\n\nChannel 1: No. Not yet. I'm not going\n\nChannel 0: Nope.\n\nChannel 1: anywhere yet, I hope.\n\nChannel 0: That's all good. And I can see here, sir, for your superannuation, in the event that something woulda happened to you, that that goes a 100% to your wife. That's still\n\nChannel 1: Yep.\n\nChannel 0: correct for you as well? Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Now I can see here that we don't\n\nChannel 1: I'm out of. Is that a while\n\nChannel 0: Yes. I think it was a little\n\nChannel 1: ago?\n\nChannel 0: while ago. Yes. I think it was a little while ago.\n\nChannel 1: Yeah. I think that was something about the wheel and something like that. And I was getting I was gonna get one of my girls that worked up and look it up for me because I wasn't\n\nChannel 0: Yep.\n\nChannel 1: just quite sure about a few wordings.\n\nChannel 0: Okay. Yeah. No. That's okay. What I can do is I can get the team to resend them to you.\n\nDo\n\nChannel 1: Yes.\n\nChannel 0: you\n\nChannel 1: If you could,\n\nChannel 0: have\n\nChannel 1: please.\n\nChannel 0: sure. Do you have access to a printer, or do you prefer\n\nChannel 1: Yep.\n\nChannel 0: post?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Printer.\n\nChannel 1: I don't wanna\n\nChannel 0: Alright. So\n\nChannel 1: work.\n\nChannel 0: I'll get\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: I'm pretty sure\n\nChannel 0: Perfect.\n\nChannel 1: I'll print them off last time.\n\nChannel 0: Yeah. Alright. I'll just get them to email that to you again. Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and\n\nChannel 1: I just sorta understand them a bit more, the legally\n\nChannel 0: Yep.\n\nChannel 1: sort of it. That's all. Because\n\nChannel 0: Yeah.\n\nChannel 1: one of our girls used to work at solicitors. I'm not\n\nChannel 0: Oh,\n\nChannel 1: I was\n\nChannel 0: perfect.\n\nChannel 1: just gonna get over. Have you on\n\nChannel 0: How's\n\nChannel 1: the road\n\nChannel 0: it\n\nChannel 1: about\n\nChannel 0: been? Yep.\n\nChannel 1: it. She'll\n\nChannel 0: Okay.\n\nChannel 1: understand\n\nChannel 0: Perfect.\n\nChannel 1: it. Explaining\n\nChannel 0: If you do\n\nChannel 1: in\n\nChannel 0: have\n\nChannel 1: Cayman terms to me.\n\nChannel 0: yeah. And if you do have any questions or she has any questions in regards to it or want me to explain it further, just just let me know. Okay?\n\nChannel 1: Yep. Will do.\n\nChannel 0: Yeah. Alright. Beautiful. Now, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property. Otherwise, just kinda focusing on reducing the mortgage as much as possible.\n\nIs that still\n\nChannel 1: Yeah.\n\nChannel 0: kind of the main priority\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: Just trying to get out of here, you know, get those last few bills paid off, get rid of this mortgage, and then\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. Alright. Good. And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in\n\nChannel 1: Yep.\n\nChannel 0: regards to fluctuations and how you feel about market movements. Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer?\n\nChannel 1: No. I hope that I I probably get it at 60.\n\nChannel 0: Yeah. Perfect. And I have here that, ideally, you would love to draw about $800 per week from super\n\nChannel 1: Yes.\n\nChannel 0: at that time.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect. Yep. And when it comes to the level of risk that you are comfortable with taking for your superannuation, are you willing to accept very high risk, high moderates, or a small amount of risk for your superannuation?\n\nChannel 1: Hello. I was probably getting moderate. Just\n\nChannel 0: Moderate?\n\nChannel 1: for just get you timed at the moment, I think.\n\nChannel 0: Okay. Perfect. So just reducing that a little bit. And when it comes to fluctuations, if you placed an investment and found that the investment had dropped in value, Would you think that if you had the option to do so, now is potentially a good time to put a little bit more money in while the prices are down? Do you think you would rather just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?\n\nChannel 1: Probably no. It's been hard to lose. Whatever, guys. Yeah. It comes back up.\n\nSo, yeah, for this\n\nChannel 0: Just kind of hold it and see\n\nChannel 1: yeah. Just sort of hold\n\nChannel 0: depending.\n\nChannel 1: it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Now would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: Not me. I wouldn't.\n\nChannel 0: No. No. That's all good. Now, Richard, that basically tells me here that you have come out a little bit more defensive than how we currently have you invested in. So\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, we have you invested in a high growth portfolio, and you have come out kind\n\nChannel 1: Yep.\n\nChannel 0: of as more of your growth kind of borderline balance growth investors.\n\nChannel 1: Yep.\n\nChannel 0: Do you know the difference between those at\n\nChannel 1: Not really.\n\nChannel 0: all? Nope. That's all good. Now, essentially, a high growth investor is someone that's looking at getting as much growth as you possibly can out of super while you\n\nChannel 1: Yep.\n\nChannel 0: still have plenty of time until retirement.\n\nChannel 1: Yep.\n\nChannel 0: Also, someone who is comfortable with and understand that there will be some fluctuations in the short term in order to achieve that growth in the long term.\n\nChannel 1: Yeah.\n\nChannel 0: So when we are talking about how the money is invested in a high growth portfolio, we typically see about 90% invested in what we would call your growth assets. Now this is a combination of Australian shares, international shares, and property as well, and that is what's going to maximize those returns for you over the long term. And then you do have about 10% in defensive. So that is like your cash, your gold, your fixed interest limit fluctuations a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations. In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market.\n\nChannel 1: Yep.\n\nChannel 0: Now one step down, so a growth portfolio, it is fairly similar, but it's about a 10% difference. So you then look at about 80% in growth and 20 in defensive, so 10% more in defensive. So\n\nChannel 1: Yeah.\n\nChannel 0: the difference between that is that in your growth portfolio, you might not have as much fluctuations as you do in a higher growth.\n\nChannel 1: Yep.\n\nChannel 0: But then on the long term, you might not have as high returns at the same time.\n\nChannel 1: Yeah. So\n\nChannel 0: A\n\nChannel 1: what\n\nChannel 0: growth\n\nChannel 1: am I in\n\nChannel 0: price\n\nChannel 1: now? I'm in the high growth,\n\nChannel 0: yeah.\n\nChannel 1: am I?\n\nChannel 0: You are in the high growth. Yes.\n\nChannel 1: Yeah. I might just keep it like that.\n\nChannel 0: Keep it like that. Yep. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: It's\n\nChannel 0: And you still have that eight years, you know, until you can get the money.\n\nChannel 1: yeah.\n\nChannel 0: And if anything\n\nChannel 1: My wife's gotta work for another ten years after I retire anyway, so we should be alright.\n\nChannel 0: Yeah. Perfect. No. If anything does change, we can always reassess at HTS. So, obviously, the closer you get, if you\n\nChannel 1: Yeah.\n\nChannel 0: then wanna start looking at reducing that, we can do that. But, otherwise, I will leave that in that high growth for now. And like I said, if you ever change your mind, you can just let us know.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now, Richard, do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time.\n\nChannel 1: Yep.\n\nChannel 0: Now let me know. So it should ask you to click on a link. It will allow you to look at all the documents first, though, just to make sure you are happy before it prompts you to sign anything.\n\nChannel 1: What's the SAW document?\n\nChannel 0: Yes. Yep. If\n\nChannel 1: Yep.\n\nChannel 0: you press that one, it should open up a couple of attachments.\n\nChannel 1: Well,\n\nChannel 0: Doesn't let me know what you can see. The first one should The first one should say summary of superannuation\n\nChannel 1: Yeah. I see.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: insurance.\n\nChannel 1: Yep.\n\nChannel 0: Oh, yeah. You can see that one?\n\nChannel 1: Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: yeah. What what does it say? A summary separation insertion.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So that one here gives you a bit of a breakdown of your super and your Now I did have a quick look at your super balance as of last year as well just to see for that comparison for you. And when we spoke doing that in review last year, your super balance was at a 135,993. And you can see that it's now up at a 149,721.\n\nChannel 1: Yes.\n\nChannel 0: Now underneath that, you then also have your ClearView insurance, and you have your life and total permanent disability insurance, and that is covering you for 327,069 if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: Are you still comfortable with the level of cover you have for life and TPD, or or what are your thoughts on that?\n\nChannel 1: No. That's yeah. Still pretty\n\nChannel 0: That\n\nChannel 1: good, I reckon.\n\nChannel 0: that's pretty good. Yep. Beautiful. Now you then also have an income protection policy, and that will pay you a monthly amount of $7,631 per month, which pretty much adds up very close to the income of the 130, which would be about 7,583. So pretty spot on with the monthly benefit amount.\n\nChannel 1: Yep.\n\nChannel 0: You do have that ninety day waiting period and a two year benefit period. Do you have any questions in regards to the income protection or wanting to make any\n\nChannel 1: Thanks.\n\nChannel 0: changes or still happy\n\nChannel 1: Yeah. Still pretty happy. I still\n\nChannel 0: with\n\nChannel 1: cover\n\nChannel 0: that?\n\nChannel 1: everything.\n\nChannel 0: Yep.\n\nChannel 1: What's going on?\n\nChannel 0: Yes. Yep. Beautiful. Now you have all those three structured from within superannuation. You do get a 15% tax rebate, and the premium for those three is 6,595.\n\nSo, obviously, the insurances does get more more expensive the older you get.\n\nChannel 1: Yep.\n\nChannel 0: You're still happy with all your insurances and everything?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Beautiful. Now next document for me, Richard, should be a performance report with Net Wealth.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you have two added there for you. So one is twelve months, and one is three months. And that is just to show the change that we did make to one of your investments. So I'm not sure if you remember receiving an email from us back in March in regards to changing one of the investments for you.\n\nChannel 1: Yeah. I\n\nChannel 0: It\n\nChannel 1: did\n\nChannel 0: was\n\nChannel 1: save an email there. Yeah.\n\nChannel 0: Yep. Perfect. So if you look at the twelve month report first, it should be the first one. The one that we did change for you so the investment committee does a lot of research, obviously, on all the investments all the time. And if there is an investment that is slightly underperforming and we foresee it not being the best investment option for you moving forward, we do wanna take that kind of proactive approach in swapping things for you and\n\nChannel 1: Yep.\n\nChannel 0: making sure that your super and everything continues to grow.\n\nChannel 1: K.\n\nChannel 0: That all make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Yeah. Beautiful. So,\n\nChannel 1: I wanna\n\nChannel 0: basically\n\nChannel 1: go off, not damn.\n\nChannel 0: correct. So on the twelve month report here, you can see that there was only one investment that was underperforming or was down. Everything else was doing good, and that was the Benelong Australian Equity Investment,\n\nChannel 1: Yeah.\n\nChannel 0: so which is the one we changed for you. So then on the next document, the three month period, you can then kind of see the change, and you can see that when having a look at that one, you no longer had the Benelung investment, and instead, you had that substitute of the BetaShares Australia two 100, which is positive and going up, which is good.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions in regards to any of that? Well, that's pretty straightforward.\n\nChannel 1: Please. Can you put me\n\nChannel 0: Makes\n\nChannel 1: ahead around\n\nChannel 0: sense.\n\nChannel 1: that?\n\nChannel 0: Yeah. No. That's all good. Essentially, we just take that one investment, and that was one Australian investment for another Australian investment.\n\nChannel 1: Yep.\n\nChannel 0: The beta share is performing a bit better than the Bennelong, which is great. It's a little bit cheaper as well, which again is good. And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market.\n\nChannel 1: Yeah.\n\nChannel 0: Whereas the new one, it's kind of tracking the 200 largest companies in Australia. So very diversified, and if there is a bit of to one company, it won't impact it as much because you do have 200 different companies within just the one investment. Does\n\nChannel 1: Oh,\n\nChannel 0: that\n\nChannel 1: yeah.\n\nChannel 0: kind of make sense?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Now the next document for me there, which should should be your certificate of currency, or it's a Vanguard index charge.\n\nChannel 1: Yep.\n\nChannel 0: What can you see?\n\nChannel 1: Lots of numbers.\n\nChannel 0: So it's probably the Clearview one for you. It basically just breaks down your insurances in a bit more information, lets you know that's all paid and up to date for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And if you wanna click next for me.\n\nChannel 1: Yep. More numbers.\n\nChannel 0: Yep. Yep. And what does it say at the top? Is that pink and says clear view?\n\nChannel 1: It says net wealth. Asset performance details.\n\nChannel 0: Okay. Yep. So you're kind of still on that report, the one we just\n\nChannel 1: Oh,\n\nChannel 0: kinda\n\nChannel 1: yeah. I know\n\nChannel 0: went through.\n\nChannel 1: the the next one, next document.\n\nChannel 0: Yes, please. Yes.\n\nChannel 1: Oh, yep. Certificate of currency.\n\nChannel 0: Yeah.\n\nChannel 1: Clearview.\n\nChannel 0: So this is the\n\nChannel 1: Yep.\n\nChannel 0: one that shows your insurances again in more information. Now if you can press next for me.\n\nChannel 1: Yeah. I view services guide.\n\nChannel 0: Yep. You probably have seen this a few times. It is one of those compliance documents. But it basically gives you all the important information in regards to us here at Oakview. None of the important information has changed.\n\nYou can have a bit of a read through all the directors, our advisers, and everybody in there, but I'll let you do that in your own time so I don't keep you for too long.\n\nChannel 1: Yep.\n\nChannel 0: Now if you wanna press next for me, Richard.\n\nChannel 1: Yep.\n\nChannel 0: Yep. What can you see now?\n\nChannel 1: Net wealth, advice fees, concert renewal.\n\nChannel 0: Yep. So this is your ongoing service agreement,\n\nChannel 1: Yep.\n\nChannel 0: which is just to say that you are happy to stay on as a client. Now, Richard, there is no changes whatsoever in regards to the fee structure for you. It stays\n\nChannel 1: Yep.\n\nChannel 0: exactly the same at that 1.65 from super, but no changes at all in regards to that. And it\n\nChannel 1: Yep.\n\nChannel 0: is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So if you're happy to do so, this one here will ask for your signature at the bottom.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And that should be the last one. So once you've added the signature, it should say validate, I believe.\n\nChannel 1: Yeah. I'm just going into the sewing signature.\n\nChannel 0: Yes. Yep. That's the correct place.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: And it should ask you to draw yep.\n\nChannel 1: Updated. Yep. Validate. Yep.\n\nChannel 0: Yes. Perfect. And when you press validate, sometimes it takes a minute\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: It's\n\nChannel 0: load.\n\nChannel 1: loading loading now.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So, basically, what it does, it is just sending it back to me, and I can get that all uploaded for you. It will also allow you to download a copy if you ever wanna go back and have a look at the documents.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. So that's all there for you. So, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you. It's already in place with Super. Otherwise, that was essentially everything that I needed to touch off on on my end.\n\nBut do you have any other questions for me at this point, Richard?\n\nChannel 1: No. No. Not not\n\nChannel 0: No.\n\nChannel 1: yet. What I'm thinking.\n\nChannel 0: Yep. Alright. Beautiful. If you do, you know, just just let us know. Just send us an email or give us a call.\n\nOr if anything changes for you and you ever wanna review your investments or insurances or anything, you can always just give us a call whenever you want\n\nChannel 1: That'd be great.\n\nChannel 0: to. Yeah. No problem at all. Well, I will let you go, and enjoy the rest of your evening there, Richard. And anything you need, just let us know.\n\nChannel 1: Yeah. Thank you very much for your\n\nChannel 0: Okay.\n\nChannel 1: time.\n\nChannel 0: No worries. You\n\nChannel 1: Alright.\n\nChannel 0: too. Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.034875381737947464},{"text":"Richard speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.040103865787386894}],"sentiment":"neutral","sentiment_score":0.03836103777090708,"channel":1,"num_words":3,"start":0.39999998,"end":1.78},{"sentences":[{"text":"Good afternoon, Richard.","start":2.3999999,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3624908725420634},{"text":"This is Veronica from Oakview Financial.","start":3.4399998,"end":5.38,"sentiment":"neutral","sentiment_score":0.30632072190443677},{"text":"How are you?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.21870355804761252}],"sentiment":"neutral","sentiment_score":0.29845896859963733,"channel":0,"num_words":12,"start":2.3999999,"end":6.3399997},{"sentences":[{"text":"Yeah.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.18623784184455872},{"text":"Not bad.","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.3255155235528946},{"text":"How are you?","start":7.12,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.23286740481853485}],"sentiment":"neutral","sentiment_score":0.2559785172343254,"channel":1,"num_words":6,"start":6.3999996,"end":7.8599997},{"sentences":[{"text":"Good.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.5326096415519714},{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.6688947677612305},{"text":"I had you booked in this afternoon to go over your annual review.","start":9.92,"end":12.88,"sentiment":"positive","sentiment_score":0.45403194198241603},{"text":"Is now still a good time for","start":12.88,"end":15.005,"sentiment":"positive","sentiment_score":0.3963299478803362}],"sentiment":"positive","sentiment_score":0.4490104222839529,"channel":0,"num_words":22,"start":8.16,"end":15.005},{"sentences":[{"text":"Yep.","start":14.785,"end":15.285,"sentiment":"positive","sentiment_score":0.34447407722473145}],"sentiment":"positive","sentiment_score":0.34447407722473145,"channel":1,"num_words":1,"start":14.785,"end":15.285},{"sentences":[{"text":"you?","start":15.305,"end":15.625,"sentiment":"neutral","sentiment_score":0.2528609037399292},{"text":"Yep.","start":15.625,"end":16.125,"sentiment":"neutral","sentiment_score":0.18759816884994507},{"text":"Perfect.","start":16.185,"end":16.685,"sentiment":"positive","sentiment_score":0.4392271637916565},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.065,"end":24.685001,"sentiment":"neutral","sentiment_score":0.06762792555422618}],"sentiment":"neutral","sentiment_score":0.08877800242044032,"channel":0,"num_words":32,"start":15.305,"end":24.685001},{"sentences":[{"text":"Yep.","start":25.265,"end":25.765,"sentiment":"neutral","sentiment_score":0.1329568326473236}],"sentiment":"neutral","sentiment_score":0.1329568326473236,"channel":1,"num_words":1,"start":25.265,"end":25.765},{"sentences":[{"text":"Perfect.","start":26.904999,"end":27.404999,"sentiment":"neutral","sentiment_score":0.30907052755355835},{"text":"And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please?","start":27.865,"end":36.9,"sentiment":"neutral","sentiment_score":0.11341931767040683}],"sentiment":"neutral","sentiment_score":0.11953341797925532,"channel":0,"num_words":32,"start":26.904999,"end":36.9},{"sentences":[{"text":"Richard Moore.","start":36.64,"end":37.44,"sentiment":"neutral","sentiment_score":0.017739847768098116},{"text":"4477449 Buck Street, Gunline, New South Wales 2380.","start":37.44,"end":41.985,"sentiment":"neutral","sentiment_score":0.032743784599006176}],"sentiment":"neutral","sentiment_score":0.029742997232824565,"channel":1,"num_words":10,"start":36.64,"end":41.985},{"sentences":[{"text":"Perfect.","start":42.4,"end":42.88,"sentiment":"neutral","sentiment_score":0.29878634214401245},{"text":"And how's your day been?","start":42.88,"end":43.92,"sentiment":"neutral","sentiment_score":0.1533749595284462},{"text":"Been","start":43.92,"end":44.385,"sentiment":"neutral","sentiment_score":0.01877395063638687}],"sentiment":"neutral","sentiment_score":0.15491929863180434,"channel":0,"num_words":7,"start":42.4,"end":44.385},{"sentences":[{"text":"Yep.","start":45.245,"end":45.565,"sentiment":"neutral","sentiment_score":0.01090295147150755}],"sentiment":"neutral","sentiment_score":0.01090295147150755,"channel":1,"num_words":1,"start":45.245,"end":45.565},{"sentences":[{"text":"busy?","start":45.425,"end":45.925,"sentiment":"neutral","sentiment_score":0.021293139085173607}],"sentiment":"neutral","sentiment_score":0.021293139085173607,"channel":0,"num_words":1,"start":45.425,"end":45.925},{"sentences":[{"text":"Very.","start":45.565,"end":46.065,"sentiment":"neutral","sentiment_score":0.1351500153541565}],"sentiment":"neutral","sentiment_score":0.1351500153541565,"channel":1,"num_words":1,"start":45.565,"end":46.065},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":46.785,"end":48.864998,"sentiment":"neutral","sentiment_score":0.0271416035565463},{"text":"I'll try to make it quick for you, Richard.","start":48.864998,"end":50.644997,"sentiment":"neutral","sentiment_score":0.27608993815051186}],"sentiment":"neutral","sentiment_score":0.1391683541238308,"channel":0,"num_words":20,"start":46.785,"end":50.644997},{"sentences":[{"text":"Yep.","start":51.004997,"end":51.504997,"sentiment":"neutral","sentiment_score":0.12806087732315063}],"sentiment":"neutral","sentiment_score":0.12806087732315063,"channel":1,"num_words":1,"start":51.004997,"end":51.504997},{"sentences":[{"text":"Before I go any further, I do like to start by asking as well if there is anything specific you are hoping to get out of the review today or any particular questions or just a bit of a catch up really and see where everything's at?","start":51.905,"end":64.32,"sentiment":"neutral","sentiment_score":0.04672171326076731}],"sentiment":"neutral","sentiment_score":0.04672171326076731,"channel":0,"num_words":47,"start":51.905,"end":64.32},{"sentences":[{"text":"No.","start":64.57,"end":65.07,"sentiment":"neutral","sentiment_score":-0.11264439672231674},{"text":"No.","start":65.29,"end":65.53,"sentiment":"neutral","sentiment_score":-0.11106590926647186},{"text":"I think you see them pretty","start":65.53,"end":66.81,"sentiment":"neutral","sentiment_score":-0.11619559054573377}],"sentiment":"neutral","sentiment_score":-0.1151104811578989,"channel":1,"num_words":8,"start":64.57,"end":66.81},{"sentences":[{"text":"No.","start":66.54,"end":67.04,"sentiment":"neutral","sentiment_score":-0.18039445579051971}],"sentiment":"neutral","sentiment_score":-0.18039445579051971,"channel":0,"num_words":1,"start":66.54,"end":67.04},{"sentences":[{"text":"much.","start":66.81,"end":67.305,"sentiment":"neutral","sentiment_score":-0.12228594720363616},{"text":"Yeah.","start":67.625,"end":68.125,"sentiment":"neutral","sentiment_score":-0.0138217955827713}],"sentiment":"neutral","sentiment_score":-0.06805387139320372,"channel":1,"num_words":2,"start":66.81,"end":68.125},{"sentences":[{"text":"Yep.","start":68.46,"end":68.86,"sentiment":"neutral","sentiment_score":0.030779806897044185},{"text":"Alright.","start":68.86,"end":69.26,"sentiment":"neutral","sentiment_score":0.11898388713598251},{"text":"Perfect.","start":69.26,"end":69.76,"sentiment":"neutral","sentiment_score":0.24004334211349487},{"text":"So what I will do is just quickly run through a bit of an updated fact find with you just to see if there is anything major that has changed and if we need to make any tweaks and changes to your advice.","start":70.14,"end":80.185,"sentiment":"neutral","sentiment_score":0.07357863076897554}],"sentiment":"neutral","sentiment_score":0.07725409041766239,"channel":0,"num_words":46,"start":68.46,"end":80.185},{"sentences":[{"text":"Nope.","start":81.145004,"end":81.63,"sentiment":"neutral","sentiment_score":-0.06411410123109818}],"sentiment":"neutral","sentiment_score":-0.06411410123109818,"channel":1,"num_words":1,"start":81.145004,"end":81.63},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependence.","start":82.085,"end":91.04,"sentiment":"neutral","sentiment_score":-0.03803536041002525},{"text":"Is that right?","start":91.18,"end":92.08,"sentiment":"neutral","sentiment_score":-0.002352734406789144}],"sentiment":"neutral","sentiment_score":-0.03316954777322032,"channel":0,"num_words":22,"start":82.085,"end":92.08},{"sentences":[{"text":"Yep.","start":92.509995,"end":92.75,"sentiment":"neutral","sentiment_score":0.023068485781550407},{"text":"Nice and no.","start":92.75,"end":93.549995,"sentiment":"neutral","sentiment_score":0.05217250933249792},{"text":"I've got kids.","start":93.549995,"end":94.45,"sentiment":"neutral","sentiment_score":0.0148334422459205}],"sentiment":"neutral","sentiment_score":0.03201233435954366,"channel":1,"num_words":7,"start":92.509995,"end":94.45},{"sentences":[{"text":"Yeah.","start":95.100006,"end":95.420006,"sentiment":"neutral","sentiment_score":-0.011808970011770724},{"text":"Are they still financially dependent on you, or are they older?","start":95.420006,"end":98.560005,"sentiment":"neutral","sentiment_score":-0.04468403417955746}],"sentiment":"neutral","sentiment_score":-0.04194444549890856,"channel":0,"num_words":12,"start":95.100006,"end":98.560005},{"sentences":[{"text":"No.","start":99.185,"end":99.424995,"sentiment":"neutral","sentiment_score":-0.09837286174297331},{"text":"They're young young.","start":99.424995,"end":100.384995,"sentiment":"neutral","sentiment_score":-0.08897299071153005},{"text":"It's always been like","start":100.384995,"end":101.604996,"sentiment":"neutral","sentiment_score":-0.05921539478003979}],"sentiment":"neutral","sentiment_score":-0.07526917662471533,"channel":1,"num_words":8,"start":99.185,"end":101.604996},{"sentences":[{"text":"Okay.","start":101.98,"end":102.48,"sentiment":"neutral","sentiment_score":-0.021365858614444733},{"text":"Perfect.","start":102.54,"end":103.04,"sentiment":"neutral","sentiment_score":0.020883282646536827},{"text":"And how old are they?","start":103.215,"end":104.435,"sentiment":"neutral","sentiment_score":-0.027877767011523245}],"sentiment":"neutral","sentiment_score":-0.01998163014650345,"channel":0,"num_words":7,"start":101.98,"end":104.435},{"sentences":[{"text":"that.","start":104.625,"end":104.865,"sentiment":"neutral","sentiment_score":-0.048186346888542175},{"text":"Well, I've got a 19 year old, but he's he's got his own job.","start":104.865,"end":108.165,"sentiment":"neutral","sentiment_score":-0.034705107765538354},{"text":"And","start":108.545,"end":108.865,"sentiment":"neutral","sentiment_score":-0.0009943656623363497}],"sentiment":"neutral","sentiment_score":-0.033440763829275966,"channel":1,"num_words":16,"start":104.625,"end":108.865},{"sentences":[{"text":"Yep.","start":108.73499,"end":109.23499,"sentiment":"neutral","sentiment_score":0.005663249175995588}],"sentiment":"neutral","sentiment_score":0.005663249175995588,"channel":0,"num_words":1,"start":108.73499,"end":109.23499},{"sentences":[{"text":"I've got a thirty year now, David, 30.","start":108.865,"end":112.5,"sentiment":"neutral","sentiment_score":0.0012857211549999192},{"text":"And what's that?","start":113.759995,"end":114.479996,"sentiment":"neutral","sentiment_score":-0.02507509912053744},{"text":"12.","start":114.479996,"end":114.979996,"sentiment":"neutral","sentiment_score":-0.011796120554208755}],"sentiment":"neutral","sentiment_score":-0.00639463738965181,"channel":1,"num_words":12,"start":108.865,"end":114.979996},{"sentences":[{"text":"Beautiful.","start":116.73499,"end":117.23499,"sentiment":"neutral","sentiment_score":-0.002637270838022232},{"text":"Sorry.","start":117.454994,"end":117.774994,"sentiment":"neutral","sentiment_score":-0.28034210205078125},{"text":"Kind of two still relying on you financially?","start":117.774994,"end":120.41,"sentiment":"neutral","sentiment_score":-0.30319315381348133}],"sentiment":"neutral","sentiment_score":-0.2708524603396654,"channel":0,"num_words":10,"start":116.73499,"end":120.41},{"sentences":[{"text":"Yep.","start":120.88,"end":121.38,"sentiment":"neutral","sentiment_score":-0.04523017629981041}],"sentiment":"neutral","sentiment_score":-0.04523017629981041,"channel":1,"num_words":1,"start":120.88,"end":121.38},{"sentences":[{"text":"Yep.","start":121.75,"end":122.25,"sentiment":"neutral","sentiment_score":-0.01096689235419035},{"text":"Perfect.","start":122.310005,"end":122.810005,"sentiment":"neutral","sentiment_score":-0.013581017032265663},{"text":"Now next up, Ken, I have here Kyla nominated.","start":124.310005,"end":127.21,"sentiment":"neutral","sentiment_score":0.08325985736317104},{"text":"That's still the case as well?","start":127.270004,"end":128.81,"sentiment":"neutral","sentiment_score":0.08696664124727249}],"sentiment":"neutral","sentiment_score":0.07332886202151284,"channel":0,"num_words":17,"start":121.75,"end":128.81},{"sentences":[{"text":"And was that?","start":129.465,"end":130.445,"sentiment":"neutral","sentiment_score":0.04290320165455341}],"sentiment":"neutral","sentiment_score":0.04290320165455341,"channel":1,"num_words":3,"start":129.465,"end":130.445},{"sentences":[{"text":"Next up, Ken, I have your wife nominated.","start":131.59,"end":133.69,"sentiment":"neutral","sentiment_score":0.05797925079241395},{"text":"Is that","start":133.83,"end":134.385,"sentiment":"neutral","sentiment_score":0.05955364927649498}],"sentiment":"neutral","sentiment_score":0.058294130489230156,"channel":0,"num_words":10,"start":131.59,"end":134.385},{"sentences":[{"text":"Yep.","start":135.145,"end":135.645,"sentiment":"neutral","sentiment_score":0.02397606521844864}],"sentiment":"neutral","sentiment_score":0.02397606521844864,"channel":1,"num_words":1,"start":135.145,"end":135.645},{"sentences":[{"text":"the case?","start":135.185,"end":135.58499,"sentiment":"neutral","sentiment_score":0.00438337423838675},{"text":"That hasn't changed.","start":135.58499,"end":136.465,"sentiment":"neutral","sentiment_score":-0.20150156815846762},{"text":"And her phone number hasn't changed.","start":136.465,"end":138.22499,"sentiment":"neutral","sentiment_score":-0.1234463465710481},{"text":"It's still the same.","start":138.22499,"end":139.44499,"sentiment":"neutral","sentiment_score":-0.04404641501605511},{"text":"Yep.","start":139.58499,"end":139.905,"sentiment":"neutral","sentiment_score":0.12152224034070969}],"sentiment":"neutral","sentiment_score":-0.08694246594677679,"channel":0,"num_words":16,"start":135.185,"end":139.905},{"sentences":[{"text":"Beautiful.","start":139.905,"end":140.405,"sentiment":"positive","sentiment_score":0.4437206387519837},{"text":"Occupation wise, are you still working as a boilermaker supervisor, or has","start":141.185,"end":145.345,"sentiment":"neutral","sentiment_score":0.02179972128942609}],"sentiment":"neutral","sentiment_score":0.05425517647885359,"channel":0,"num_words":13,"start":139.905,"end":145.345},{"sentences":[{"text":"No.","start":145.31,"end":145.79,"sentiment":"neutral","sentiment_score":-0.04401873797178269}],"sentiment":"neutral","sentiment_score":-0.04401873797178269,"channel":1,"num_words":1,"start":145.31,"end":145.79},{"sentences":[{"text":"any of that","start":145.345,"end":145.905,"sentiment":"neutral","sentiment_score":-0.049040661503871284}],"sentiment":"neutral","sentiment_score":-0.049040661503871284,"channel":0,"num_words":3,"start":145.345,"end":145.905},{"sentences":[{"text":"Yep.","start":145.79,"end":146.27,"sentiment":"neutral","sentiment_score":-0.058835308998823166}],"sentiment":"neutral","sentiment_score":-0.058835308998823166,"channel":1,"num_words":1,"start":145.79,"end":146.27},{"sentences":[{"text":"changed?","start":145.905,"end":146.405,"sentiment":"neutral","sentiment_score":-0.02013501524925232}],"sentiment":"neutral","sentiment_score":-0.02013501524925232,"channel":0,"num_words":1,"start":145.905,"end":146.405},{"sentences":[{"text":"No.","start":146.27,"end":146.67,"sentiment":"neutral","sentiment_score":-0.046897515654563904},{"text":"Still","start":146.67,"end":146.98999,"sentiment":"neutral","sentiment_score":-0.017505433410406113}],"sentiment":"neutral","sentiment_score":-0.03220147453248501,"channel":1,"num_words":2,"start":146.27,"end":146.98999},{"sentences":[{"text":"Yep.","start":146.86499,"end":147.36499,"sentiment":"neutral","sentiment_score":-0.010850328952074053}],"sentiment":"neutral","sentiment_score":-0.010850328952074053,"channel":0,"num_words":1,"start":146.86499,"end":147.36499},{"sentences":[{"text":"the same.","start":146.98999,"end":147.65,"sentiment":"neutral","sentiment_score":-0.005655782297253609}],"sentiment":"neutral","sentiment_score":-0.005655782297253609,"channel":1,"num_words":2,"start":146.98999,"end":147.65},{"sentences":[{"text":"Same.","start":147.42499,"end":147.905,"sentiment":"neutral","sentiment_score":0.047070808708667755},{"text":"Perfect.","start":147.905,"end":148.405,"sentiment":"neutral","sentiment_score":0.22332434356212616},{"text":"Income at about 01:20, or has that changed?","start":149.025,"end":151.82,"sentiment":"neutral","sentiment_score":0.03892093454487622}],"sentiment":"neutral","sentiment_score":0.05817626286298037,"channel":0,"num_words":10,"start":147.42499,"end":151.82},{"sentences":[{"text":"It's probably going up a little bit now.","start":152.115,"end":153.975,"sentiment":"neutral","sentiment_score":-0.0190625237300992}],"sentiment":"neutral","sentiment_score":-0.0190625237300992,"channel":1,"num_words":8,"start":152.115,"end":153.975},{"sentences":[{"text":"Yeah.","start":154.6,"end":155.0,"sentiment":"neutral","sentiment_score":0.00325738824903965},{"text":"How much","start":155.0,"end":155.48,"sentiment":"neutral","sentiment_score":-0.012820831499993801}],"sentiment":"neutral","sentiment_score":-0.007461424916982651,"channel":0,"num_words":3,"start":154.6,"end":155.48},{"sentences":[{"text":"I would say","start":155.315,"end":155.975,"sentiment":"neutral","sentiment_score":-0.01333704280356566}],"sentiment":"neutral","sentiment_score":-0.01333704280356566,"channel":1,"num_words":3,"start":155.315,"end":155.975},{"sentences":[{"text":"would you think?","start":155.48,"end":156.38,"sentiment":"neutral","sentiment_score":-0.014587584882974625}],"sentiment":"neutral","sentiment_score":-0.014587584882974625,"channel":0,"num_words":3,"start":155.48,"end":156.38},{"sentences":[{"text":"well, it's hard to say.","start":158.035,"end":160.21501,"sentiment":"neutral","sentiment_score":-0.09255843609571457},{"text":"It's but it's probably going up to $1.30, but it can","start":160.35501,"end":163.79501,"sentiment":"neutral","sentiment_score":-0.03966874781657349}],"sentiment":"neutral","sentiment_score":-0.05619677540380508,"channel":1,"num_words":16,"start":158.035,"end":163.79501},{"sentences":[{"text":"About","start":163.64,"end":163.88,"sentiment":"neutral","sentiment_score":-0.05173034965991974}],"sentiment":"neutral","sentiment_score":-0.05173034965991974,"channel":0,"num_words":1,"start":163.64,"end":163.88},{"sentences":[{"text":"be","start":163.79501,"end":164.035,"sentiment":"neutral","sentiment_score":-0.051973987370729446}],"sentiment":"neutral","sentiment_score":-0.051973987370729446,"channel":1,"num_words":1,"start":163.79501,"end":164.035},{"sentences":[{"text":"one","start":163.88,"end":164.12,"sentiment":"neutral","sentiment_score":-0.05105874687433243}],"sentiment":"neutral","sentiment_score":-0.05105874687433243,"channel":0,"num_words":1,"start":163.88,"end":164.12},{"sentences":[{"text":"more.","start":164.035,"end":164.535,"sentiment":"neutral","sentiment_score":-0.0467856302857399}],"sentiment":"neutral","sentiment_score":-0.0467856302857399,"channel":1,"num_words":1,"start":164.035,"end":164.535},{"sentences":[{"text":"30.","start":164.12,"end":164.62,"sentiment":"neutral","sentiment_score":0.005989122204482555},{"text":"Yep.","start":165.16,"end":165.66,"sentiment":"neutral","sentiment_score":0.05227116867899895},{"text":"Alright.","start":165.735,"end":166.135,"sentiment":"neutral","sentiment_score":0.16384094953536987},{"text":"Perfect.","start":166.135,"end":166.215,"sentiment":"neutral","sentiment_score":0.32936251163482666},{"text":"I'll put roughly $1.30.","start":166.215,"end":168.155,"sentiment":"neutral","sentiment_score":0.1671992838382721}],"sentiment":"neutral","sentiment_score":0.1525326109258458,"channel":0,"num_words":8,"start":164.12,"end":168.155},{"sentences":[{"text":"Asset wise, I have here your property was last tied at about 580,000.","start":170.855,"end":177.195,"sentiment":"neutral","sentiment_score":0.03244398448329706}],"sentiment":"neutral","sentiment_score":0.03244398448329706,"channel":0,"num_words":13,"start":170.855,"end":177.195},{"sentences":[{"text":"Yeah.","start":177.11,"end":177.51001,"sentiment":"neutral","sentiment_score":0.03129861503839493},{"text":"Yeah.","start":177.51001,"end":177.83,"sentiment":"neutral","sentiment_score":0.027745485305786133}],"sentiment":"neutral","sentiment_score":0.02952205017209053,"channel":1,"num_words":2,"start":177.11,"end":177.83},{"sentences":[{"text":"Is","start":177.735,"end":177.895,"sentiment":"neutral","sentiment_score":0.025045303627848625}],"sentiment":"neutral","sentiment_score":0.025045303627848625,"channel":0,"num_words":1,"start":177.735,"end":177.895},{"sentences":[{"text":"It's","start":177.83,"end":178.07,"sentiment":"neutral","sentiment_score":0.03201788663864136}],"sentiment":"neutral","sentiment_score":0.03201788663864136,"channel":1,"num_words":1,"start":177.83,"end":178.07},{"sentences":[{"text":"that still","start":177.895,"end":178.375,"sentiment":"neutral","sentiment_score":0.02970553562045097}],"sentiment":"neutral","sentiment_score":0.02970553562045097,"channel":0,"num_words":2,"start":177.895,"end":178.375},{"sentences":[{"text":"probably","start":178.07,"end":178.39,"sentiment":"neutral","sentiment_score":0.02297955751419067}],"sentiment":"neutral","sentiment_score":0.02297955751419067,"channel":1,"num_words":1,"start":178.07,"end":178.39},{"sentences":[{"text":"okay?","start":178.375,"end":178.875,"sentiment":"neutral","sentiment_score":0.02561989799141884}],"sentiment":"neutral","sentiment_score":0.02561989799141884,"channel":0,"num_words":1,"start":178.375,"end":178.875},{"sentences":[{"text":"about the same still.","start":178.39,"end":179.61,"sentiment":"neutral","sentiment_score":-0.007744355592876673}],"sentiment":"neutral","sentiment_score":-0.007744355592876673,"channel":1,"num_words":4,"start":178.39,"end":179.61},{"sentences":[{"text":"Yeah.","start":179.735,"end":180.235,"sentiment":"neutral","sentiment_score":0.04767247289419174},{"text":"Perfect.","start":180.47,"end":180.79,"sentiment":"neutral","sentiment_score":0.10376977920532228},{"text":"And mortgage about $1.80?","start":180.79,"end":182.73,"sentiment":"neutral","sentiment_score":0.041276453994214535},{"text":"Yep.","start":184.15,"end":184.55,"sentiment":"neutral","sentiment_score":0.03078876994550228},{"text":"I have three motor vehicle combined value at about $1.20.","start":184.55,"end":188.41,"sentiment":"neutral","sentiment_score":0.034227135591208935}],"sentiment":"neutral","sentiment_score":0.04056518787846846,"channel":0,"num_words":17,"start":179.735,"end":188.41},{"sentences":[{"text":"Yep.","start":188.725,"end":189.225,"sentiment":"neutral","sentiment_score":0.08210311830043793}],"sentiment":"neutral","sentiment_score":0.08210311830043793,"channel":1,"num_words":1,"start":188.725,"end":189.225},{"sentences":[{"text":"Perfect.","start":189.99,"end":190.49,"sentiment":"neutral","sentiment_score":0.1742035299539566},{"text":"15 owing combined.","start":190.79,"end":192.81,"sentiment":"neutral","sentiment_score":0.0893651619553566}],"sentiment":"neutral","sentiment_score":0.1105747539550066,"channel":0,"num_words":4,"start":189.99,"end":192.81},{"sentences":[{"text":"Yep.","start":193.205,"end":193.525,"sentiment":"neutral","sentiment_score":0.043488483875989914},{"text":"Pardon?","start":193.525,"end":194.025,"sentiment":"neutral","sentiment_score":0.016159553080797195}],"sentiment":"neutral","sentiment_score":0.029824018478393555,"channel":1,"num_words":2,"start":193.205,"end":194.025},{"sentences":[{"text":"15,000 owing combined on on all three.","start":194.915,"end":198.03499,"sentiment":"neutral","sentiment_score":0.03070332615503243},{"text":"Does that sound about right?","start":198.03499,"end":199.415,"sentiment":"neutral","sentiment_score":0.024150983057916166}],"sentiment":"neutral","sentiment_score":0.027973183197900653,"channel":0,"num_words":12,"start":194.915,"end":199.415},{"sentences":[{"text":"It's probably a little bit more.","start":200.14,"end":202.31999,"sentiment":"neutral","sentiment_score":-0.08995248811940353},{"text":"I'm sorry.","start":202.93999,"end":203.51999,"sentiment":"neutral","sentiment_score":-0.09435012936592102}],"sentiment":"neutral","sentiment_score":-0.0910518984310329,"channel":1,"num_words":8,"start":200.14,"end":203.51999},{"sentences":[{"text":"Mhmm.","start":203.155,"end":203.655,"sentiment":"neutral","sentiment_score":-0.03349609300494194}],"sentiment":"neutral","sentiment_score":-0.03349609300494194,"channel":0,"num_words":1,"start":203.155,"end":203.655},{"sentences":[{"text":"It'd be around 25.","start":203.57999,"end":205.43999,"sentiment":"neutral","sentiment_score":-0.0326625257730484}],"sentiment":"neutral","sentiment_score":-0.0326625257730484,"channel":1,"num_words":4,"start":203.57999,"end":205.43999},{"sentences":[{"text":"About 25.","start":206.19499,"end":207.34999,"sentiment":"neutral","sentiment_score":-0.007856372278183699},{"text":"Perfect.","start":207.34999,"end":207.84999,"sentiment":"neutral","sentiment_score":0.08509116619825363},{"text":"Do you","start":208.54999,"end":208.79,"sentiment":"neutral","sentiment_score":0.006367191672325134}],"sentiment":"neutral","sentiment_score":0.016422560997307302,"channel":0,"num_words":5,"start":206.19499,"end":208.79},{"sentences":[{"text":"Oh, yeah.","start":208.735,"end":209.295,"sentiment":"neutral","sentiment_score":-0.005138503387570381},{"text":"It was no.","start":209.295,"end":209.775,"sentiment":"neutral","sentiment_score":-0.07785372560222943},{"text":"It wouldn't be that much.","start":209.775,"end":211.075,"sentiment":"neutral","sentiment_score":-0.10694488734006882},{"text":"Probably only","start":211.215,"end":211.935,"sentiment":"neutral","sentiment_score":-0.07108007743954659}],"sentiment":"neutral","sentiment_score":-0.07672689793010552,"channel":1,"num_words":12,"start":208.735,"end":211.935},{"sentences":[{"text":"No?","start":211.90999,"end":212.40999,"sentiment":"neutral","sentiment_score":-0.0802152007818222}],"sentiment":"neutral","sentiment_score":-0.0802152007818222,"channel":0,"num_words":1,"start":211.90999,"end":212.40999},{"sentences":[{"text":"be at 20.","start":211.935,"end":212.75499,"sentiment":"neutral","sentiment_score":-0.0778370772798856}],"sentiment":"neutral","sentiment_score":-0.0778370772798856,"channel":1,"num_words":3,"start":211.935,"end":212.75499},{"sentences":[{"text":"About 20?","start":213.03,"end":213.93,"sentiment":"neutral","sentiment_score":-0.03787091746926308},{"text":"Okay.","start":213.98999,"end":214.48999,"sentiment":"neutral","sentiment_score":-0.013563078828155994}],"sentiment":"neutral","sentiment_score":-0.02976830458889405,"channel":0,"num_words":3,"start":213.03,"end":214.48999},{"sentences":[{"text":"Yeah.","start":214.575,"end":215.075,"sentiment":"neutral","sentiment_score":-0.007557198405265808}],"sentiment":"neutral","sentiment_score":-0.007557198405265808,"channel":1,"num_words":1,"start":214.575,"end":215.075},{"sentences":[{"text":"And do you still have the caravan?","start":215.43,"end":216.96999,"sentiment":"neutral","sentiment_score":-0.0061022524854966575}],"sentiment":"neutral","sentiment_score":-0.0061022524854966575,"channel":0,"num_words":7,"start":215.43,"end":216.96999},{"sentences":[{"text":"Yep.","start":217.53499,"end":218.03499,"sentiment":"neutral","sentiment_score":0.017020048573613167}],"sentiment":"neutral","sentiment_score":0.017020048573613167,"channel":1,"num_words":1,"start":217.53499,"end":218.03499},{"sentences":[{"text":"Yep.","start":218.54999,"end":219.03,"sentiment":"neutral","sentiment_score":0.009205641224980354},{"text":"Still about 50 with about 28 owing.","start":219.03,"end":222.215,"sentiment":"neutral","sentiment_score":-0.002471289730497769}],"sentiment":"neutral","sentiment_score":-0.0010116733610630035,"channel":0,"num_words":8,"start":218.54999,"end":222.215},{"sentences":[{"text":"Yeah.","start":222.735,"end":223.055,"sentiment":"neutral","sentiment_score":0.011460063979029655},{"text":"Yeah.","start":223.055,"end":223.2,"sentiment":"neutral","sentiment_score":0.009128741919994354},{"text":"I was probably a","start":223.36,"end":224.08,"sentiment":"neutral","sentiment_score":-0.005230051465332508}],"sentiment":"neutral","sentiment_score":-0.000055233327051003776,"channel":1,"num_words":6,"start":222.735,"end":224.08},{"sentences":[{"text":"Yep.","start":224.035,"end":224.535,"sentiment":"neutral","sentiment_score":-0.0007335531408898532}],"sentiment":"neutral","sentiment_score":-0.0007335531408898532,"channel":0,"num_words":1,"start":224.035,"end":224.535},{"sentences":[{"text":"little bit I was probably about 25 now.","start":224.08,"end":226.26,"sentiment":"neutral","sentiment_score":-0.011675841989926994}],"sentiment":"neutral","sentiment_score":-0.011675841989926994,"channel":1,"num_words":8,"start":224.08,"end":226.26},{"sentences":[{"text":"About 25.","start":226.675,"end":227.875,"sentiment":"neutral","sentiment_score":0.020478811115026474},{"text":"Great.","start":227.875,"end":228.375,"sentiment":"neutral","sentiment_score":0.1883803904056549}],"sentiment":"neutral","sentiment_score":0.07644600421190262,"channel":0,"num_words":3,"start":226.675,"end":228.375},{"sentences":[{"text":"Probably less than that.","start":227.92,"end":229.2,"sentiment":"neutral","sentiment_score":0.07268508337438107},{"text":"But yeah.","start":229.2,"end":229.86,"sentiment":"neutral","sentiment_score":0.0472639761865139}],"sentiment":"neutral","sentiment_score":0.06421138097842534,"channel":1,"num_words":6,"start":227.92,"end":229.86},{"sentences":[{"text":"Yep.","start":229.955,"end":230.455,"sentiment":"neutral","sentiment_score":0.05478478595614433},{"text":"And then about 2,000 in ZipPay.","start":230.515,"end":233.015,"sentiment":"neutral","sentiment_score":0.06637423858046532}],"sentiment":"neutral","sentiment_score":0.0647186024912766,"channel":0,"num_words":7,"start":229.955,"end":233.015},{"sentences":[{"text":"Yeah.","start":234.56,"end":235.06,"sentiment":"neutral","sentiment_score":0.06986858695745468}],"sentiment":"neutral","sentiment_score":0.06986858695745468,"channel":1,"num_words":1,"start":234.56,"end":235.06},{"sentences":[{"text":"Yep.","start":235.43999,"end":235.76,"sentiment":"neutral","sentiment_score":0.08667202293872833},{"text":"Perfect.","start":235.76,"end":236.15999,"sentiment":"neutral","sentiment_score":0.1721673607826233},{"text":"Any other assets?","start":236.15999,"end":237.2,"sentiment":"neutral","sentiment_score":0.09403309226036072},{"text":"Anything else that's changed for you?","start":237.2,"end":239.14,"sentiment":"neutral","sentiment_score":0.045822207195063434}],"sentiment":"neutral","sentiment_score":0.07417017306116494,"channel":0,"num_words":11,"start":235.43999,"end":239.14},{"sentences":[{"text":"No.","start":239.775,"end":240.015,"sentiment":"neutral","sentiment_score":-0.15897467732429504},{"text":"Not really.","start":240.015,"end":240.75499,"sentiment":"neutral","sentiment_score":-0.1801961436867714}],"sentiment":"neutral","sentiment_score":-0.17312232156594595,"channel":1,"num_words":3,"start":239.775,"end":240.75499},{"sentences":[{"text":"No.","start":240.71999,"end":241.2,"sentiment":"neutral","sentiment_score":-0.19455736875534055},{"text":"Not easy.","start":241.2,"end":242.09999,"sentiment":"neutral","sentiment_score":-0.24298471212387085},{"text":"Now health and lifestyle wise, has any have you had any changes to your health or injuries or issues or","start":242.48,"end":250.725,"sentiment":"neutral","sentiment_score":-0.05145530141890049}],"sentiment":"neutral","sentiment_score":-0.07433186179917792,"channel":0,"num_words":23,"start":240.71999,"end":250.725},{"sentences":[{"text":"No.","start":250.56999,"end":250.97,"sentiment":"neutral","sentiment_score":-0.0655897706747055}],"sentiment":"neutral","sentiment_score":-0.0655897706747055,"channel":1,"num_words":1,"start":250.56999,"end":250.97},{"sentences":[{"text":"anything","start":250.725,"end":251.045,"sentiment":"neutral","sentiment_score":-0.04409999027848244}],"sentiment":"neutral","sentiment_score":-0.04409999027848244,"channel":0,"num_words":1,"start":250.725,"end":251.045},{"sentences":[{"text":"I","start":250.97,"end":251.05,"sentiment":"neutral","sentiment_score":-0.07140560448169708}],"sentiment":"neutral","sentiment_score":-0.07140560448169708,"channel":1,"num_words":1,"start":250.97,"end":251.05},{"sentences":[{"text":"in","start":251.045,"end":251.205,"sentiment":"neutral","sentiment_score":-0.06555119156837463}],"sentiment":"neutral","sentiment_score":-0.06555119156837463,"channel":0,"num_words":1,"start":251.045,"end":251.205},{"sentences":[{"text":"put","start":251.05,"end":251.53,"sentiment":"neutral","sentiment_score":-0.05200246721506119}],"sentiment":"neutral","sentiment_score":-0.05200246721506119,"channel":1,"num_words":1,"start":251.05,"end":251.53},{"sentences":[{"text":"the last","start":251.205,"end":251.605,"sentiment":"neutral","sentiment_score":-0.050402550026774406}],"sentiment":"neutral","sentiment_score":-0.050402550026774406,"channel":0,"num_words":2,"start":251.205,"end":251.605},{"sentences":[{"text":"I","start":251.53,"end":251.69,"sentiment":"neutral","sentiment_score":-0.055559560656547546}],"sentiment":"neutral","sentiment_score":-0.055559560656547546,"channel":1,"num_words":1,"start":251.53,"end":251.69},{"sentences":[{"text":"twelve","start":251.605,"end":251.845,"sentiment":"neutral","sentiment_score":-0.07955309748649597}],"sentiment":"neutral","sentiment_score":-0.07955309748649597,"channel":0,"num_words":1,"start":251.605,"end":251.845},{"sentences":[{"text":"put","start":251.69,"end":252.19,"sentiment":"neutral","sentiment_score":-0.035181351006031036}],"sentiment":"neutral","sentiment_score":-0.035181351006031036,"channel":1,"num_words":1,"start":251.69,"end":252.19},{"sentences":[{"text":"months?","start":251.845,"end":252.345,"sentiment":"neutral","sentiment_score":-0.028462639078497887}],"sentiment":"neutral","sentiment_score":-0.028462639078497887,"channel":0,"num_words":1,"start":251.845,"end":252.345},{"sentences":[{"text":"I put batteries on, actually.","start":252.56999,"end":255.15,"sentiment":"neutral","sentiment_score":0.030100997909903525}],"sentiment":"neutral","sentiment_score":0.030100997909903525,"channel":1,"num_words":5,"start":252.56999,"end":255.15},{"sentences":[{"text":"Batteries?","start":256.165,"end":256.665,"sentiment":"neutral","sentiment_score":0.022421445697546005}],"sentiment":"neutral","sentiment_score":0.022421445697546005,"channel":0,"num_words":1,"start":256.165,"end":256.665},{"sentences":[{"text":"Yeah.","start":257.45,"end":257.95,"sentiment":"neutral","sentiment_score":0.058057043701410294},{"text":"The solar battery backup","start":258.16998,"end":259.55,"sentiment":"neutral","sentiment_score":0.0494779022410512}],"sentiment":"neutral","sentiment_score":0.05119373053312302,"channel":1,"num_words":5,"start":257.45,"end":259.55},{"sentences":[{"text":"Ah, yes.","start":260.405,"end":260.885,"sentiment":"neutral","sentiment_score":0.11606866121292114},{"text":"Yes.","start":260.885,"end":261.125,"sentiment":"neutral","sentiment_score":0.10265742987394331}],"sentiment":"neutral","sentiment_score":0.1115982507665952,"channel":0,"num_words":3,"start":260.405,"end":261.125},{"sentences":[{"text":"on","start":261.125,"end":261.365,"sentiment":"neutral","sentiment_score":0.09245340526103972}],"sentiment":"neutral","sentiment_score":0.09245340526103972,"channel":1,"num_words":1,"start":261.125,"end":261.365},{"sentences":[{"text":"Yes.","start":261.125,"end":261.57,"sentiment":"neutral","sentiment_score":0.11863313615322112}],"sentiment":"neutral","sentiment_score":0.11863313615322112,"channel":0,"num_words":1,"start":261.125,"end":261.57},{"sentences":[{"text":"the battery, you know, you know, since we're all going","start":261.365,"end":263.76498,"sentiment":"neutral","sentiment_score":0.1720244161784649}],"sentiment":"neutral","sentiment_score":0.1720244161784649,"channel":1,"num_words":10,"start":261.365,"end":263.76498},{"sentences":[{"text":"Perfect.","start":263.41,"end":263.91,"sentiment":"positive","sentiment_score":0.4682850241661072}],"sentiment":"positive","sentiment_score":0.4682850241661072,"channel":0,"num_words":1,"start":263.41,"end":263.91},{"sentences":[{"text":"green.","start":263.76498,"end":264.26498,"sentiment":"neutral","sentiment_score":0.15763911604881287}],"sentiment":"neutral","sentiment_score":0.15763911604881287,"channel":1,"num_words":1,"start":263.76498,"end":264.26498},{"sentences":[{"text":"Yes.","start":265.25,"end":265.75,"sentiment":"neutral","sentiment_score":0.10688769072294237},{"text":"And how much are they worth?","start":267.33002,"end":269.67,"sentiment":"neutral","sentiment_score":0.06474449547628562},{"text":"Did you know?","start":269.73,"end":270.55002,"sentiment":"neutral","sentiment_score":0.03349163569509983}],"sentiment":"neutral","sentiment_score":0.059582957066595554,"channel":0,"num_words":10,"start":265.25,"end":270.55002},{"sentences":[{"text":"I think it went through with the missus or something like $25.","start":271.04498,"end":274.985,"sentiment":"neutral","sentiment_score":0.06938018649816513}],"sentiment":"neutral","sentiment_score":0.06938018649816513,"channel":1,"num_words":12,"start":271.04498,"end":274.985},{"sentences":[{"text":"Okay.","start":275.65,"end":276.15,"sentiment":"neutral","sentiment_score":0.200190931558609},{"text":"Perfect.","start":276.21002,"end":276.71002,"sentiment":"positive","sentiment_score":0.472301721572876},{"text":"And did you take a a loan or anything for them, or did you","start":277.85498,"end":280.895,"sentiment":"neutral","sentiment_score":0.1119557214634759}],"sentiment":"neutral","sentiment_score":0.13999204710125923,"channel":0,"num_words":16,"start":275.65,"end":280.895},{"sentences":[{"text":"Yeah.","start":280.83,"end":281.23,"sentiment":"neutral","sentiment_score":0.06317386031150818}],"sentiment":"neutral","sentiment_score":0.06317386031150818,"channel":1,"num_words":1,"start":280.83,"end":281.23},{"sentences":[{"text":"guys pay them?","start":280.895,"end":281.715,"sentiment":"neutral","sentiment_score":0.05208465829491615}],"sentiment":"neutral","sentiment_score":0.05208465829491615,"channel":0,"num_words":3,"start":280.895,"end":281.715},{"sentences":[{"text":"It's one of them.","start":281.23,"end":282.29,"sentiment":"neutral","sentiment_score":0.08663626480847597}],"sentiment":"neutral","sentiment_score":0.08663626480847597,"channel":1,"num_words":4,"start":281.23,"end":282.29},{"sentences":[{"text":"Yeah.","start":282.175,"end":282.675,"sentiment":"neutral","sentiment_score":0.10807473957538603}],"sentiment":"neutral","sentiment_score":0.10807473957538603,"channel":0,"num_words":1,"start":282.175,"end":282.675},{"sentences":[{"text":"My wife got a loan through her name.","start":283.15,"end":285.41,"sentiment":"neutral","sentiment_score":0.11074875481426716}],"sentiment":"neutral","sentiment_score":0.11074875481426716,"channel":1,"num_words":8,"start":283.15,"end":285.41},{"sentences":[{"text":"Okay.","start":286.25497,"end":286.75497,"sentiment":"neutral","sentiment_score":0.1357036530971527}],"sentiment":"neutral","sentiment_score":0.1357036530971527,"channel":0,"num_words":1,"start":286.25497,"end":286.75497},{"sentences":[{"text":"Let's get it done.","start":286.35,"end":287.23,"sentiment":"neutral","sentiment_score":0.11713913641870022},{"text":"Yeah.","start":287.23,"end":287.47,"sentiment":"neutral","sentiment_score":0.022072218358516693},{"text":"I'm not quite sure","start":287.47,"end":288.51,"sentiment":"neutral","sentiment_score":-0.0841610124334693}],"sentiment":"neutral","sentiment_score":0.01710941269993782,"channel":1,"num_words":9,"start":286.35,"end":288.51},{"sentences":[{"text":"Yep.","start":288.175,"end":288.675,"sentiment":"neutral","sentiment_score":-0.07131852209568024}],"sentiment":"neutral","sentiment_score":-0.07131852209568024,"channel":0,"num_words":1,"start":288.175,"end":288.675},{"sentences":[{"text":"what's through that's through.","start":288.51,"end":289.81,"sentiment":"neutral","sentiment_score":-0.04243502486497164}],"sentiment":"neutral","sentiment_score":-0.04243502486497164,"channel":1,"num_words":4,"start":288.51,"end":289.81},{"sentences":[{"text":"No.","start":290.25497,"end":290.495,"sentiment":"neutral","sentiment_score":-0.06325613707304001},{"text":"That's all good.","start":290.495,"end":291.80002,"sentiment":"neutral","sentiment_score":0.16636997958024344},{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place, Richard?","start":292.74002,"end":298.36002,"sentiment":"neutral","sentiment_score":0.040915364399552345}],"sentiment":"neutral","sentiment_score":0.05099656232805164,"channel":0,"num_words":27,"start":290.25497,"end":298.36002},{"sentences":[{"text":"No.","start":298.935,"end":299.255,"sentiment":"neutral","sentiment_score":-0.06245630979537964},{"text":"Not yet.","start":299.255,"end":299.975,"sentiment":"neutral","sentiment_score":-0.08626819029450417},{"text":"I'm not going","start":299.975,"end":300.535,"sentiment":"neutral","sentiment_score":-0.10004543264706929}],"sentiment":"neutral","sentiment_score":-0.08918816472093265,"channel":1,"num_words":6,"start":298.935,"end":300.535},{"sentences":[{"text":"Nope.","start":300.5,"end":301.0,"sentiment":"neutral","sentiment_score":-0.08370782434940338}],"sentiment":"neutral","sentiment_score":-0.08370782434940338,"channel":0,"num_words":1,"start":300.5,"end":301.0},{"sentences":[{"text":"anywhere yet, I hope.","start":300.535,"end":301.835,"sentiment":"neutral","sentiment_score":-0.06202117167413235}],"sentiment":"neutral","sentiment_score":-0.06202117167413235,"channel":1,"num_words":4,"start":300.535,"end":301.835},{"sentences":[{"text":"That's all good.","start":302.74002,"end":303.96002,"sentiment":"positive","sentiment_score":0.42077462871869403},{"text":"And I can see here, sir, for your superannuation, in the event that something woulda happened to you, that that goes a 100% to your wife.","start":304.635,"end":314.315,"sentiment":"positive","sentiment_score":0.38994593689074886},{"text":"That's still","start":314.315,"end":314.875,"sentiment":"neutral","sentiment_score":0.26014865189790726}],"sentiment":"positive","sentiment_score":0.384555340293915,"channel":0,"num_words":31,"start":302.74002,"end":314.875},{"sentences":[{"text":"Yep.","start":314.85,"end":315.35,"sentiment":"neutral","sentiment_score":0.2304687798023224}],"sentiment":"neutral","sentiment_score":0.2304687798023224,"channel":1,"num_words":1,"start":314.85,"end":315.35},{"sentences":[{"text":"correct for you as well?","start":314.875,"end":315.915,"sentiment":"neutral","sentiment_score":0.1922916889190674},{"text":"Yep.","start":315.915,"end":316.235,"sentiment":"neutral","sentiment_score":0.16074514389038086},{"text":"Beautiful.","start":316.235,"end":316.735,"sentiment":"positive","sentiment_score":0.3673557937145233}],"sentiment":"neutral","sentiment_score":0.2127941974571773,"channel":0,"num_words":7,"start":314.875,"end":316.735},{"sentences":[{"text":"Yep.","start":316.37,"end":316.87,"sentiment":"neutral","sentiment_score":0.148532435297966}],"sentiment":"neutral","sentiment_score":0.148532435297966,"channel":1,"num_words":1,"start":316.37,"end":316.87},{"sentences":[{"text":"Now I can see here that we don't","start":317.51498,"end":319.35,"sentiment":"neutral","sentiment_score":-0.006714385002851486}],"sentiment":"neutral","sentiment_score":-0.006714385002851486,"channel":0,"num_words":8,"start":317.51498,"end":319.35},{"sentences":[{"text":"I'm out of.","start":330.385,"end":331.285,"sentiment":"neutral","sentiment_score":-0.07191164543231328},{"text":"Is that a while","start":332.305,"end":333.105,"sentiment":"neutral","sentiment_score":-0.03610664885491133}],"sentiment":"neutral","sentiment_score":-0.051451647388083596,"channel":1,"num_words":7,"start":330.385,"end":333.105},{"sentences":[{"text":"Yes.","start":333.03,"end":333.04144,"sentiment":"neutral","sentiment_score":-0.014674541540443896},{"text":"I think it was a little","start":333.04144,"end":333.11002,"sentiment":"neutral","sentiment_score":-0.026898739549020927}],"sentiment":"neutral","sentiment_score":-0.025152425547795638,"channel":0,"num_words":7,"start":333.03,"end":333.11002},{"sentences":[{"text":"ago?","start":333.105,"end":333.48,"sentiment":"neutral","sentiment_score":-0.024440808221697807}],"sentiment":"neutral","sentiment_score":-0.024440808221697807,"channel":1,"num_words":1,"start":333.105,"end":333.48},{"sentences":[{"text":"while ago.","start":333.11002,"end":333.495,"sentiment":"neutral","sentiment_score":-0.02042870596051216},{"text":"Yes.","start":334.455,"end":334.615,"sentiment":"neutral","sentiment_score":0.0002453438937664032},{"text":"I think it was a little while ago.","start":334.615,"end":336.315,"sentiment":"neutral","sentiment_score":-0.01600794482510537}],"sentiment":"neutral","sentiment_score":-0.015334147875281897,"channel":0,"num_words":11,"start":333.11002,"end":336.315},{"sentences":[{"text":"Yeah.","start":336.52002,"end":336.84,"sentiment":"neutral","sentiment_score":0.0009073223918676376},{"text":"I think that was something about the wheel and something like that.","start":336.84,"end":340.52002,"sentiment":"neutral","sentiment_score":-0.008770378616948923},{"text":"And I was getting I was gonna get one of my girls that worked up and look it up for me because I wasn't","start":340.52002,"end":345.0,"sentiment":"neutral","sentiment_score":0.031652428365002074}],"sentiment":"neutral","sentiment_score":0.017711379993203526,"channel":1,"num_words":37,"start":336.52002,"end":345.0},{"sentences":[{"text":"Yep.","start":344.85498,"end":345.35498,"sentiment":"neutral","sentiment_score":-0.03249078989028931}],"sentiment":"neutral","sentiment_score":-0.03249078989028931,"channel":0,"num_words":1,"start":344.85498,"end":345.35498},{"sentences":[{"text":"just quite sure about a few wordings.","start":345.0,"end":346.86002,"sentiment":"neutral","sentiment_score":-0.02844200735645635}],"sentiment":"neutral","sentiment_score":-0.02844200735645635,"channel":1,"num_words":7,"start":345.0,"end":346.86002},{"sentences":[{"text":"Okay.","start":347.495,"end":347.995,"sentiment":"neutral","sentiment_score":0.027872547507286072},{"text":"Yeah.","start":348.375,"end":348.875,"sentiment":"neutral","sentiment_score":0.00589858740568161},{"text":"No.","start":348.935,"end":349.41,"sentiment":"neutral","sentiment_score":-0.02892139367759228},{"text":"That's okay.","start":349.49,"end":350.23,"sentiment":"neutral","sentiment_score":0.026925545185804367},{"text":"What I can do is I can get the team to resend them to you.","start":351.25,"end":355.67,"sentiment":"neutral","sentiment_score":0.0790595456957817}],"sentiment":"neutral","sentiment_score":0.06222970085218549,"channel":0,"num_words":20,"start":347.495,"end":355.67},{"sentences":[{"text":"Do","start":355.89,"end":356.13,"sentiment":"neutral","sentiment_score":0.0638764351606369}],"sentiment":"neutral","sentiment_score":0.0638764351606369,"channel":0,"num_words":1,"start":355.89,"end":356.13},{"sentences":[{"text":"Yes.","start":355.955,"end":356.195,"sentiment":"neutral","sentiment_score":0.07575103640556335}],"sentiment":"neutral","sentiment_score":0.07575103640556335,"channel":1,"num_words":1,"start":355.955,"end":356.195},{"sentences":[{"text":"you","start":356.13,"end":356.63,"sentiment":"neutral","sentiment_score":0.033308252692222595}],"sentiment":"neutral","sentiment_score":0.033308252692222595,"channel":0,"num_words":1,"start":356.13,"end":356.63},{"sentences":[{"text":"If you could,","start":356.195,"end":356.835,"sentiment":"neutral","sentiment_score":0.05027245109279951}],"sentiment":"neutral","sentiment_score":0.05027245109279951,"channel":1,"num_words":3,"start":356.195,"end":356.835},{"sentences":[{"text":"have","start":356.69,"end":357.19,"sentiment":"neutral","sentiment_score":0.03482229262590408}],"sentiment":"neutral","sentiment_score":0.03482229262590408,"channel":0,"num_words":1,"start":356.69,"end":357.19},{"sentences":[{"text":"please.","start":356.835,"end":357.335,"sentiment":"neutral","sentiment_score":0.041521426290273666}],"sentiment":"neutral","sentiment_score":0.041521426290273666,"channel":1,"num_words":1,"start":356.835,"end":357.335},{"sentences":[{"text":"sure.","start":357.73,"end":358.13,"sentiment":"neutral","sentiment_score":0.038030922412872314},{"text":"Do you have access to a printer, or do you prefer","start":358.13,"end":360.45,"sentiment":"neutral","sentiment_score":0.012431737120178614}],"sentiment":"neutral","sentiment_score":0.01456500256123642,"channel":0,"num_words":12,"start":357.73,"end":360.45},{"sentences":[{"text":"Yep.","start":360.275,"end":360.775,"sentiment":"neutral","sentiment_score":0.008637920022010803}],"sentiment":"neutral","sentiment_score":0.008637920022010803,"channel":1,"num_words":1,"start":360.275,"end":360.775},{"sentences":[{"text":"post?","start":360.45,"end":360.95,"sentiment":"neutral","sentiment_score":0.008718505501747131}],"sentiment":"neutral","sentiment_score":0.008718505501747131,"channel":0,"num_words":1,"start":360.45,"end":360.95},{"sentences":[{"text":"Yeah.","start":360.835,"end":361.315,"sentiment":"neutral","sentiment_score":0.004699753597378731},{"text":"Yeah.","start":361.315,"end":361.77,"sentiment":"neutral","sentiment_score":0.005957876332104206}],"sentiment":"neutral","sentiment_score":0.005328814964741468,"channel":1,"num_words":2,"start":360.835,"end":361.77},{"sentences":[{"text":"Yep.","start":361.81,"end":362.29,"sentiment":"neutral","sentiment_score":0.00024581048637628555},{"text":"Printer.","start":362.29,"end":362.79,"sentiment":"neutral","sentiment_score":-0.03715609014034271}],"sentiment":"neutral","sentiment_score":-0.018455139826983213,"channel":0,"num_words":2,"start":361.81,"end":362.79},{"sentences":[{"text":"I don't wanna","start":362.65,"end":363.28998,"sentiment":"neutral","sentiment_score":-0.11076272030671437}],"sentiment":"neutral","sentiment_score":-0.11076272030671437,"channel":1,"num_words":3,"start":362.65,"end":363.28998},{"sentences":[{"text":"Alright.","start":362.97498,"end":363.055,"sentiment":"neutral","sentiment_score":-0.03535328805446625},{"text":"So","start":363.055,"end":363.29498,"sentiment":"neutral","sentiment_score":-0.002099238336086273}],"sentiment":"neutral","sentiment_score":-0.01872626319527626,"channel":0,"num_words":2,"start":362.97498,"end":363.29498},{"sentences":[{"text":"work.","start":363.28998,"end":363.78998,"sentiment":"neutral","sentiment_score":-0.006007343530654907}],"sentiment":"neutral","sentiment_score":-0.006007343530654907,"channel":1,"num_words":1,"start":363.28998,"end":363.78998},{"sentences":[{"text":"I'll get","start":363.29498,"end":363.85498,"sentiment":"neutral","sentiment_score":0.02689995151013136}],"sentiment":"neutral","sentiment_score":0.02689995151013136,"channel":0,"num_words":2,"start":363.29498,"end":363.85498},{"sentences":[{"text":"Yeah.","start":364.00998,"end":364.33,"sentiment":"neutral","sentiment_score":0.0618356317281723}],"sentiment":"neutral","sentiment_score":0.0618356317281723,"channel":1,"num_words":1,"start":364.00998,"end":364.33},{"sentences":[{"text":"yeah.","start":364.175,"end":364.57498,"sentiment":"neutral","sentiment_score":0.1184992492198944}],"sentiment":"neutral","sentiment_score":0.1184992492198944,"channel":0,"num_words":1,"start":364.175,"end":364.57498},{"sentences":[{"text":"I'm pretty sure","start":364.33,"end":364.81,"sentiment":"neutral","sentiment_score":0.2171624352534612}],"sentiment":"neutral","sentiment_score":0.2171624352534612,"channel":1,"num_words":3,"start":364.33,"end":364.81},{"sentences":[{"text":"Perfect.","start":364.57498,"end":365.07498,"sentiment":"positive","sentiment_score":0.376181423664093}],"sentiment":"positive","sentiment_score":0.376181423664093,"channel":0,"num_words":1,"start":364.57498,"end":365.07498},{"sentences":[{"text":"I'll print them off last time.","start":364.81,"end":366.34998,"sentiment":"neutral","sentiment_score":0.16568529605865479}],"sentiment":"neutral","sentiment_score":0.16568529605865479,"channel":1,"num_words":6,"start":364.81,"end":366.34998},{"sentences":[{"text":"Yeah.","start":366.735,"end":367.13498,"sentiment":"neutral","sentiment_score":0.11167462170124054},{"text":"Alright.","start":367.13498,"end":367.375,"sentiment":"neutral","sentiment_score":0.1367325484752655},{"text":"I'll just get them to email that to you again.","start":367.375,"end":369.875,"sentiment":"neutral","sentiment_score":0.14699023673310876},{"text":"Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and","start":371.455,"end":378.41,"sentiment":"neutral","sentiment_score":0.005052470726271471}],"sentiment":"neutral","sentiment_score":0.04452103950704137,"channel":0,"num_words":42,"start":366.735,"end":378.41},{"sentences":[{"text":"I just sorta understand them a bit more, the legally","start":378.26498,"end":382.04498,"sentiment":"neutral","sentiment_score":0.00031788572669029237}],"sentiment":"neutral","sentiment_score":0.00031788572669029237,"channel":1,"num_words":10,"start":378.26498,"end":382.04498},{"sentences":[{"text":"Yep.","start":381.69,"end":382.19,"sentiment":"neutral","sentiment_score":-0.005280144512653351}],"sentiment":"neutral","sentiment_score":-0.005280144512653351,"channel":0,"num_words":1,"start":381.69,"end":382.19},{"sentences":[{"text":"sort of it.","start":382.50497,"end":382.985,"sentiment":"neutral","sentiment_score":-0.014478834345936775},{"text":"That's all.","start":382.985,"end":383.805,"sentiment":"neutral","sentiment_score":-0.006392691750079393},{"text":"Because","start":384.425,"end":384.66498,"sentiment":"neutral","sentiment_score":-0.007680278271436691}],"sentiment":"neutral","sentiment_score":-0.010650360801567635,"channel":1,"num_words":6,"start":382.50497,"end":384.66498},{"sentences":[{"text":"Yeah.","start":384.49,"end":384.99,"sentiment":"neutral","sentiment_score":-0.012171782553195952}],"sentiment":"neutral","sentiment_score":-0.012171782553195952,"channel":0,"num_words":1,"start":384.49,"end":384.99},{"sentences":[{"text":"one of our girls used to work at solicitors.","start":384.66498,"end":387.32498,"sentiment":"neutral","sentiment_score":-0.046514253649446696},{"text":"I'm not","start":387.94498,"end":388.345,"sentiment":"neutral","sentiment_score":-0.059345170855522156}],"sentiment":"neutral","sentiment_score":-0.04884714768691496,"channel":1,"num_words":11,"start":384.66498,"end":388.345},{"sentences":[{"text":"Oh,","start":388.33,"end":388.635,"sentiment":"neutral","sentiment_score":-0.06524413824081421}],"sentiment":"neutral","sentiment_score":-0.06524413824081421,"channel":0,"num_words":1,"start":388.33,"end":388.635},{"sentences":[{"text":"I was","start":388.425,"end":388.82498,"sentiment":"neutral","sentiment_score":-0.07804284989833832}],"sentiment":"neutral","sentiment_score":-0.07804284989833832,"channel":1,"num_words":2,"start":388.425,"end":388.82498},{"sentences":[{"text":"perfect.","start":388.715,"end":389.215,"sentiment":"neutral","sentiment_score":-0.05411123111844063}],"sentiment":"neutral","sentiment_score":-0.05411123111844063,"channel":0,"num_words":1,"start":388.715,"end":389.215},{"sentences":[{"text":"just gonna get over.","start":388.82498,"end":390.04498,"sentiment":"neutral","sentiment_score":0.01077946275472641},{"text":"Have you on","start":390.68,"end":391.24,"sentiment":"neutral","sentiment_score":0.0021380198498566947}],"sentiment":"neutral","sentiment_score":0.00707598722406796,"channel":1,"num_words":7,"start":388.82498,"end":391.24},{"sentences":[{"text":"How's","start":391.195,"end":391.435,"sentiment":"neutral","sentiment_score":0.006271295249462128}],"sentiment":"neutral","sentiment_score":0.006271295249462128,"channel":0,"num_words":1,"start":391.195,"end":391.435},{"sentences":[{"text":"the road","start":391.24,"end":391.56,"sentiment":"neutral","sentiment_score":0.01138422405347228}],"sentiment":"neutral","sentiment_score":0.01138422405347228,"channel":1,"num_words":2,"start":391.24,"end":391.56},{"sentences":[{"text":"it","start":391.435,"end":391.595,"sentiment":"neutral","sentiment_score":0.0091923326253891}],"sentiment":"neutral","sentiment_score":0.0091923326253891,"channel":0,"num_words":1,"start":391.435,"end":391.595},{"sentences":[{"text":"about","start":391.56,"end":392.06,"sentiment":"neutral","sentiment_score":0.005082176066935062}],"sentiment":"neutral","sentiment_score":0.005082176066935062,"channel":1,"num_words":1,"start":391.56,"end":392.06},{"sentences":[{"text":"been?","start":391.595,"end":392.095,"sentiment":"neutral","sentiment_score":0.01684786006808281},{"text":"Yep.","start":392.475,"end":392.95502,"sentiment":"neutral","sentiment_score":0.04240366071462631}],"sentiment":"neutral","sentiment_score":0.02962576039135456,"channel":0,"num_words":2,"start":391.595,"end":392.95502},{"sentences":[{"text":"it.","start":392.52,"end":392.75998,"sentiment":"neutral","sentiment_score":0.046169523149728775},{"text":"She'll","start":392.75998,"end":393.15997,"sentiment":"neutral","sentiment_score":0.08461111783981323}],"sentiment":"neutral","sentiment_score":0.065390320494771,"channel":1,"num_words":2,"start":392.52,"end":393.15997},{"sentences":[{"text":"Okay.","start":392.95502,"end":393.27502,"sentiment":"neutral","sentiment_score":0.10431060194969176}],"sentiment":"neutral","sentiment_score":0.10431060194969176,"channel":0,"num_words":1,"start":392.95502,"end":393.27502},{"sentences":[{"text":"understand","start":393.15997,"end":393.56,"sentiment":"neutral","sentiment_score":0.11528027802705763}],"sentiment":"neutral","sentiment_score":0.11528027802705763,"channel":1,"num_words":1,"start":393.15997,"end":393.56},{"sentences":[{"text":"Perfect.","start":393.27502,"end":393.77502,"sentiment":"positive","sentiment_score":0.34975117444992065}],"sentiment":"positive","sentiment_score":0.34975117444992065,"channel":0,"num_words":1,"start":393.27502,"end":393.77502},{"sentences":[{"text":"it.","start":393.56,"end":394.06,"sentiment":"neutral","sentiment_score":0.22606071829795835},{"text":"Explaining","start":395.56,"end":396.06,"sentiment":"neutral","sentiment_score":0.09421532601118088}],"sentiment":"neutral","sentiment_score":0.16013802215456963,"channel":1,"num_words":2,"start":393.56,"end":396.06},{"sentences":[{"text":"If you do","start":395.595,"end":396.315,"sentiment":"neutral","sentiment_score":0.07944369688630104}],"sentiment":"neutral","sentiment_score":0.07944369688630104,"channel":0,"num_words":3,"start":395.595,"end":396.315},{"sentences":[{"text":"in","start":396.19998,"end":396.43997,"sentiment":"neutral","sentiment_score":0.06258988380432129}],"sentiment":"neutral","sentiment_score":0.06258988380432129,"channel":1,"num_words":1,"start":396.19998,"end":396.43997},{"sentences":[{"text":"have","start":396.315,"end":396.815,"sentiment":"neutral","sentiment_score":0.06593980640172958}],"sentiment":"neutral","sentiment_score":0.06593980640172958,"channel":0,"num_words":1,"start":396.315,"end":396.815},{"sentences":[{"text":"Cayman terms to me.","start":396.43997,"end":397.9,"sentiment":"neutral","sentiment_score":0.07344084046781063}],"sentiment":"neutral","sentiment_score":0.07344084046781063,"channel":1,"num_words":4,"start":396.43997,"end":397.9},{"sentences":[{"text":"yeah.","start":398.39502,"end":398.875,"sentiment":"neutral","sentiment_score":0.07431399822235107},{"text":"And if you do have any questions or she has any questions in regards to it or want me to explain it further, just just let me know.","start":398.875,"end":407.55002,"sentiment":"neutral","sentiment_score":0.07441337260284595},{"text":"Okay?","start":407.55002,"end":408.05002,"sentiment":"neutral","sentiment_score":0.06649397313594818}],"sentiment":"neutral","sentiment_score":0.07414608014126618,"channel":0,"num_words":30,"start":398.39502,"end":408.05002},{"sentences":[{"text":"Yep.","start":408.48502,"end":408.965,"sentiment":"neutral","sentiment_score":0.1297370195388794},{"text":"Will do.","start":408.965,"end":409.70502,"sentiment":"neutral","sentiment_score":0.17851977795362473}],"sentiment":"neutral","sentiment_score":0.16225885848204294,"channel":1,"num_words":3,"start":408.48502,"end":409.70502},{"sentences":[{"text":"Yeah.","start":409.47,"end":409.87,"sentiment":"neutral","sentiment_score":0.1712454855442047},{"text":"Alright.","start":409.87,"end":410.19,"sentiment":"positive","sentiment_score":0.3648293912410736},{"text":"Beautiful.","start":410.19,"end":410.69,"sentiment":"positive","sentiment_score":0.5827916860580444},{"text":"Now, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property.","start":411.95,"end":427.055,"sentiment":"neutral","sentiment_score":0.10805032180533522},{"text":"Otherwise, just kinda focusing on reducing the mortgage as much as possible.","start":428.155,"end":432.44,"sentiment":"neutral","sentiment_score":-0.01552207519610723}],"sentiment":"neutral","sentiment_score":0.09597745923358098,"channel":0,"num_words":57,"start":409.47,"end":432.44},{"sentences":[{"text":"Is that still","start":432.5,"end":433.13998,"sentiment":"neutral","sentiment_score":0.026162446786959965}],"sentiment":"neutral","sentiment_score":0.026162446786959965,"channel":0,"num_words":3,"start":432.5,"end":433.13998},{"sentences":[{"text":"Yeah.","start":433.095,"end":433.595,"sentiment":"neutral","sentiment_score":0.043580539524555206}],"sentiment":"neutral","sentiment_score":0.043580539524555206,"channel":1,"num_words":1,"start":433.095,"end":433.595},{"sentences":[{"text":"kind of the main priority","start":433.13998,"end":434.34,"sentiment":"neutral","sentiment_score":0.05673912242054939}],"sentiment":"neutral","sentiment_score":0.05673912242054939,"channel":0,"num_words":5,"start":433.13998,"end":434.34},{"sentences":[{"text":"Yeah.","start":434.055,"end":434.535,"sentiment":"neutral","sentiment_score":0.06313813477754593}],"sentiment":"neutral","sentiment_score":0.06313813477754593,"channel":1,"num_words":1,"start":434.055,"end":434.535},{"sentences":[{"text":"for you?","start":434.34,"end":435.0,"sentiment":"neutral","sentiment_score":0.04892979934811592}],"sentiment":"neutral","sentiment_score":0.04892979934811592,"channel":0,"num_words":2,"start":434.34,"end":435.0},{"sentences":[{"text":"Just trying to get out of here, you know, get those last few bills paid off, get rid of this mortgage, and then","start":434.535,"end":440.935,"sentiment":"neutral","sentiment_score":0.034636307183815086}],"sentiment":"neutral","sentiment_score":0.034636307183815086,"channel":1,"num_words":23,"start":434.535,"end":440.935},{"sentences":[{"text":"Yep.","start":441.13998,"end":441.63998,"sentiment":"neutral","sentiment_score":0.031703438609838486}],"sentiment":"neutral","sentiment_score":0.031703438609838486,"channel":0,"num_words":1,"start":441.13998,"end":441.63998},{"sentences":[{"text":"yeah.","start":441.185,"end":441.685,"sentiment":"neutral","sentiment_score":0.14337259531021118}],"sentiment":"neutral","sentiment_score":0.14337259531021118,"channel":1,"num_words":1,"start":441.185,"end":441.685},{"sentences":[{"text":"Perfect.","start":442.97998,"end":443.47998,"sentiment":"positive","sentiment_score":0.38128527998924255},{"text":"Alright.","start":443.62,"end":444.09998,"sentiment":"neutral","sentiment_score":0.2951739430427551},{"text":"Good.","start":444.09998,"end":444.59998,"sentiment":"positive","sentiment_score":0.33735835552215576},{"text":"And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in","start":445.23502,"end":459.155,"sentiment":"neutral","sentiment_score":0.06474848494336412}],"sentiment":"neutral","sentiment_score":0.08523778803646564,"channel":0,"num_words":40,"start":442.97998,"end":459.155},{"sentences":[{"text":"Yep.","start":459.045,"end":459.545,"sentiment":"neutral","sentiment_score":0.0248887836933136}],"sentiment":"neutral","sentiment_score":0.0248887836933136,"channel":1,"num_words":1,"start":459.045,"end":459.545},{"sentences":[{"text":"regards to fluctuations and how you feel about market movements.","start":459.155,"end":463.11,"sentiment":"neutral","sentiment_score":0.020507136918604375},{"text":"Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer?","start":464.44998,"end":471.59,"sentiment":"neutral","sentiment_score":-0.004485301207751036}],"sentiment":"neutral","sentiment_score":0.00332483570673503,"channel":0,"num_words":32,"start":459.155,"end":471.59},{"sentences":[{"text":"No.","start":472.54,"end":472.7,"sentiment":"neutral","sentiment_score":-0.14749793708324432},{"text":"I hope that I I probably get it at 60.","start":472.7,"end":475.36002,"sentiment":"neutral","sentiment_score":-0.14779837131500245}],"sentiment":"neutral","sentiment_score":-0.14777105911211533,"channel":1,"num_words":11,"start":472.54,"end":475.36002},{"sentences":[{"text":"Yeah.","start":476.245,"end":476.565,"sentiment":"neutral","sentiment_score":0.0774640366435051},{"text":"Perfect.","start":476.565,"end":477.065,"sentiment":"neutral","sentiment_score":0.23130232095718384},{"text":"And I have here that, ideally, you would love to draw about $800 per week from super","start":477.76498,"end":483.065,"sentiment":"neutral","sentiment_score":0.15487146377563477}],"sentiment":"neutral","sentiment_score":0.15482006535718315,"channel":0,"num_words":19,"start":476.245,"end":483.065},{"sentences":[{"text":"Yes.","start":483.5,"end":483.825,"sentiment":"neutral","sentiment_score":0.07785458862781525}],"sentiment":"neutral","sentiment_score":0.07785458862781525,"channel":1,"num_words":1,"start":483.5,"end":483.825},{"sentences":[{"text":"at that time.","start":483.60498,"end":484.425,"sentiment":"neutral","sentiment_score":0.07031043246388435}],"sentiment":"neutral","sentiment_score":0.07031043246388435,"channel":0,"num_words":3,"start":483.60498,"end":484.425},{"sentences":[{"text":"Yeah.","start":484.225,"end":484.725,"sentiment":"neutral","sentiment_score":0.09529255330562592}],"sentiment":"neutral","sentiment_score":0.09529255330562592,"channel":1,"num_words":1,"start":484.225,"end":484.725},{"sentences":[{"text":"Yep.","start":484.565,"end":485.04498,"sentiment":"neutral","sentiment_score":0.09273968636989594},{"text":"Okay.","start":485.04498,"end":485.365,"sentiment":"neutral","sentiment_score":0.19210948050022125},{"text":"Perfect.","start":485.365,"end":485.865,"sentiment":"neutral","sentiment_score":0.29492056369781494},{"text":"Yep.","start":486.32498,"end":486.82498,"sentiment":"neutral","sentiment_score":0.11745887994766235},{"text":"And when it comes to the level of risk that you are comfortable with taking for your superannuation, are you willing to accept very high risk, high moderates, or a small amount of risk for your superannuation?","start":487.845,"end":503.28,"sentiment":"neutral","sentiment_score":0.0007364387447769577}],"sentiment":"neutral","sentiment_score":0.017670166928593706,"channel":0,"num_words":41,"start":484.565,"end":503.28},{"sentences":[{"text":"Hello.","start":509.28,"end":509.44,"sentiment":"neutral","sentiment_score":0.004566915333271027},{"text":"I was probably getting moderate.","start":509.44,"end":510.9,"sentiment":"neutral","sentiment_score":-0.0008254647254943848},{"text":"Just","start":511.765,"end":512.005,"sentiment":"neutral","sentiment_score":-0.018284328281879425}],"sentiment":"neutral","sentiment_score":-0.002549248082297189,"channel":1,"num_words":7,"start":509.28,"end":512.005},{"sentences":[{"text":"Moderate?","start":511.83502,"end":512.335,"sentiment":"neutral","sentiment_score":-0.006670159753412008}],"sentiment":"neutral","sentiment_score":-0.006670159753412008,"channel":0,"num_words":1,"start":511.83502,"end":512.335},{"sentences":[{"text":"for just get you timed at the moment, I think.","start":512.005,"end":514.585,"sentiment":"neutral","sentiment_score":0.05173295401036739}],"sentiment":"neutral","sentiment_score":0.05173295401036739,"channel":1,"num_words":10,"start":512.005,"end":514.585},{"sentences":[{"text":"Okay.","start":515.995,"end":516.47504,"sentiment":"positive","sentiment_score":0.35386985540390015},{"text":"Perfect.","start":516.47504,"end":516.97504,"sentiment":"positive","sentiment_score":0.602878212928772},{"text":"So just reducing that a little bit.","start":517.03503,"end":519.33,"sentiment":"neutral","sentiment_score":0.08684717171958514},{"text":"And when it comes to fluctuations, if you placed an investment and found that the investment had dropped in value, Would you think that if you had the option to do so, now is potentially a good time to put a little bit more money in while the prices are down?","start":519.33,"end":538.795,"sentiment":"neutral","sentiment_score":-0.05548248863687702},{"text":"Do you think you would rather just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?","start":539.33496,"end":551.96,"sentiment":"neutral","sentiment_score":-0.14092605312665304}],"sentiment":"neutral","sentiment_score":-0.06829338103081241,"channel":0,"num_words":99,"start":515.995,"end":551.96},{"sentences":[{"text":"Probably no.","start":553.08,"end":554.36,"sentiment":"neutral","sentiment_score":-0.3013879656791687},{"text":"It's been hard to lose.","start":554.36,"end":555.66,"sentiment":"negative","sentiment_score":-0.43140475153923036},{"text":"Whatever, guys.","start":558.36,"end":559.0,"sentiment":"neutral","sentiment_score":-0.11817383021116257},{"text":"Yeah.","start":559.0,"end":559.24,"sentiment":"neutral","sentiment_score":-0.01692013069987297},{"text":"It comes back up.","start":559.24,"end":560.175,"sentiment":"neutral","sentiment_score":-0.010132329538464546}],"sentiment":"neutral","sentiment_score":-0.2181140570236104,"channel":1,"num_words":14,"start":553.08,"end":560.175},{"sentences":[{"text":"So, yeah, for this","start":560.175,"end":561.635,"sentiment":"neutral","sentiment_score":-0.006398899480700493}],"sentiment":"neutral","sentiment_score":-0.006398899480700493,"channel":1,"num_words":4,"start":560.175,"end":561.635},{"sentences":[{"text":"Just kind of hold it and see","start":563.315,"end":565.175,"sentiment":"neutral","sentiment_score":-0.06761993042060307}],"sentiment":"neutral","sentiment_score":-0.06761993042060307,"channel":0,"num_words":7,"start":563.315,"end":565.175},{"sentences":[{"text":"yeah.","start":564.815,"end":565.135,"sentiment":"neutral","sentiment_score":-0.07824502885341644},{"text":"Just sort of hold","start":565.135,"end":566.015,"sentiment":"neutral","sentiment_score":-0.062204958871006966}],"sentiment":"neutral","sentiment_score":-0.06541297286748886,"channel":1,"num_words":5,"start":564.815,"end":566.015},{"sentences":[{"text":"depending.","start":565.715,"end":566.215,"sentiment":"neutral","sentiment_score":-0.06776898354291916}],"sentiment":"neutral","sentiment_score":-0.06776898354291916,"channel":0,"num_words":1,"start":565.715,"end":566.215},{"sentences":[{"text":"it.","start":566.015,"end":566.515,"sentiment":"neutral","sentiment_score":-0.02436400204896927}],"sentiment":"neutral","sentiment_score":-0.02436400204896927,"channel":1,"num_words":1,"start":566.015,"end":566.515},{"sentences":[{"text":"Yep.","start":566.91504,"end":567.41504,"sentiment":"neutral","sentiment_score":0.05617176741361618}],"sentiment":"neutral","sentiment_score":0.05617176741361618,"channel":0,"num_words":1,"start":566.91504,"end":567.41504},{"sentences":[{"text":"Yeah.","start":567.535,"end":568.035,"sentiment":"neutral","sentiment_score":0.07951144129037857}],"sentiment":"neutral","sentiment_score":0.07951144129037857,"channel":1,"num_words":1,"start":567.535,"end":568.035},{"sentences":[{"text":"Okay.","start":568.91504,"end":569.395,"sentiment":"neutral","sentiment_score":0.1612207144498825},{"text":"Perfect.","start":569.395,"end":569.895,"sentiment":"positive","sentiment_score":0.3645327687263489},{"text":"Now would you ever consider taking out a loan to buy an investment property?","start":571.8,"end":577.74,"sentiment":"neutral","sentiment_score":0.09586044108229023}],"sentiment":"neutral","sentiment_score":0.11673747864551842,"channel":0,"num_words":16,"start":568.91504,"end":577.74},{"sentences":[{"text":"Not me.","start":580.91,"end":581.39,"sentiment":"neutral","sentiment_score":-0.10025084018707275},{"text":"I wouldn't.","start":581.39,"end":582.05,"sentiment":"neutral","sentiment_score":-0.10711594298481941}],"sentiment":"neutral","sentiment_score":-0.10368339158594608,"channel":1,"num_words":4,"start":580.91,"end":582.05},{"sentences":[{"text":"No.","start":583.07996,"end":583.56,"sentiment":"neutral","sentiment_score":-0.17270290851593018},{"text":"No.","start":583.56,"end":583.8,"sentiment":"neutral","sentiment_score":-0.18517820537090304},{"text":"That's all good.","start":583.8,"end":585.01996,"sentiment":"neutral","sentiment_score":0.022684132680296898},{"text":"Now, Richard, that basically tells me here that you have come out a little bit more defensive than how we currently have you invested in.","start":586.675,"end":595.655,"sentiment":"neutral","sentiment_score":-0.03739671289920807},{"text":"So","start":596.035,"end":596.535,"sentiment":"neutral","sentiment_score":0.0002850741147994995}],"sentiment":"neutral","sentiment_score":-0.03949875691004338,"channel":0,"num_words":31,"start":583.07996,"end":596.535},{"sentences":[{"text":"Yeah.","start":596.175,"end":596.675,"sentiment":"neutral","sentiment_score":0.02630852721631527}],"sentiment":"neutral","sentiment_score":0.02630852721631527,"channel":1,"num_words":1,"start":596.175,"end":596.675},{"sentences":[{"text":"at the moment, we have you invested in a high growth portfolio, and you have come out kind","start":596.59503,"end":602.89,"sentiment":"neutral","sentiment_score":0.05639756450222598}],"sentiment":"neutral","sentiment_score":0.05639756450222598,"channel":0,"num_words":18,"start":596.59503,"end":602.89},{"sentences":[{"text":"Yep.","start":602.86,"end":603.36,"sentiment":"neutral","sentiment_score":0.05883369967341423}],"sentiment":"neutral","sentiment_score":0.05883369967341423,"channel":1,"num_words":1,"start":602.86,"end":603.36},{"sentences":[{"text":"of as more of your growth kind of borderline balance growth investors.","start":602.89,"end":607.31,"sentiment":"neutral","sentiment_score":0.031935732501248516}],"sentiment":"neutral","sentiment_score":0.031935732501248516,"channel":0,"num_words":12,"start":602.89,"end":607.31},{"sentences":[{"text":"Yep.","start":608.22003,"end":608.72003,"sentiment":"neutral","sentiment_score":0.007430497091263533}],"sentiment":"neutral","sentiment_score":0.007430497091263533,"channel":1,"num_words":1,"start":608.22003,"end":608.72003},{"sentences":[{"text":"Do you know the difference between those at","start":608.33,"end":610.925,"sentiment":"neutral","sentiment_score":-0.015824533067643642}],"sentiment":"neutral","sentiment_score":-0.015824533067643642,"channel":0,"num_words":8,"start":608.33,"end":610.925},{"sentences":[{"text":"Not really.","start":611.26,"end":611.955,"sentiment":"neutral","sentiment_score":-0.06267576105892658}],"sentiment":"neutral","sentiment_score":-0.06267576105892658,"channel":1,"num_words":2,"start":611.26,"end":611.955},{"sentences":[{"text":"all?","start":611.945,"end":612.445,"sentiment":"neutral","sentiment_score":-0.05331091210246086},{"text":"Nope.","start":612.585,"end":613.085,"sentiment":"neutral","sentiment_score":-0.040512025356292725},{"text":"That's all good.","start":613.22504,"end":614.425,"sentiment":"neutral","sentiment_score":0.1567009836435318},{"text":"Now, essentially, a high growth investor is someone that's looking at getting as much growth as you possibly can out of super while you","start":614.425,"end":622.34503,"sentiment":"neutral","sentiment_score":0.14990368345752358}],"sentiment":"neutral","sentiment_score":0.1370333936707727,"channel":0,"num_words":29,"start":611.945,"end":622.34503},{"sentences":[{"text":"Yep.","start":622.275,"end":622.775,"sentiment":"neutral","sentiment_score":0.09081422537565231}],"sentiment":"neutral","sentiment_score":0.09081422537565231,"channel":1,"num_words":1,"start":622.275,"end":622.775},{"sentences":[{"text":"still have plenty of time until retirement.","start":622.34503,"end":625.07996,"sentiment":"neutral","sentiment_score":0.09554510989359447}],"sentiment":"neutral","sentiment_score":0.09554510989359447,"channel":0,"num_words":7,"start":622.34503,"end":625.07996},{"sentences":[{"text":"Yep.","start":625.47504,"end":625.92,"sentiment":"neutral","sentiment_score":0.09179212898015976}],"sentiment":"neutral","sentiment_score":0.09179212898015976,"channel":1,"num_words":1,"start":625.47504,"end":625.92},{"sentences":[{"text":"Also, someone who is comfortable with and understand that there will be some fluctuations in the short term in order to achieve that growth in the long term.","start":625.7,"end":637.39996,"sentiment":"neutral","sentiment_score":0.0772116303976093}],"sentiment":"neutral","sentiment_score":0.0772116303976093,"channel":0,"num_words":28,"start":625.7,"end":637.39996},{"sentences":[{"text":"Yeah.","start":637.83997,"end":638.235,"sentiment":"neutral","sentiment_score":0.09679152071475984}],"sentiment":"neutral","sentiment_score":0.09679152071475984,"channel":1,"num_words":1,"start":637.83997,"end":638.235},{"sentences":[{"text":"So when we are talking about how the money is invested in a high growth portfolio, we typically see about 90% invested in what we would call your growth assets.","start":638.255,"end":652.11005,"sentiment":"neutral","sentiment_score":0.15654451871911684},{"text":"Now this is a combination of Australian shares, international shares, and property as well, and that is what's going to maximize those returns for you over the long term.","start":652.57,"end":664.175,"sentiment":"neutral","sentiment_score":0.30555027671929064},{"text":"And then you do have about 10% in defensive.","start":664.555,"end":668.095,"sentiment":"neutral","sentiment_score":0.21295961737632751},{"text":"So that is like your cash, your gold, your fixed interest limit fluctuations a little bit.","start":668.71497,"end":674.255,"sentiment":"neutral","sentiment_score":0.20218688435852528}],"sentiment":"neutral","sentiment_score":0.22272524157805101,"channel":0,"num_words":84,"start":638.255,"end":674.255},{"sentences":[{"text":"Yep.","start":674.585,"end":675.085,"sentiment":"neutral","sentiment_score":0.04916761815547943}],"sentiment":"neutral","sentiment_score":0.04916761815547943,"channel":1,"num_words":1,"start":674.585,"end":675.085},{"sentences":[{"text":"Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations.","start":675.115,"end":680.87,"sentiment":"neutral","sentiment_score":0.034988710191100836},{"text":"In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market.","start":681.97003,"end":691.03,"sentiment":"neutral","sentiment_score":0.06210458010435104}],"sentiment":"neutral","sentiment_score":0.048823337697861145,"channel":0,"num_words":49,"start":675.115,"end":691.03},{"sentences":[{"text":"Yep.","start":691.555,"end":692.055,"sentiment":"neutral","sentiment_score":0.15990297496318817}],"sentiment":"neutral","sentiment_score":0.15990297496318817,"channel":1,"num_words":1,"start":691.555,"end":692.055},{"sentences":[{"text":"Now one step down, so a growth portfolio, it is fairly similar, but it's about a 10% difference.","start":691.875,"end":700.53503,"sentiment":"neutral","sentiment_score":0.09388397716813618},{"text":"So you then look at about 80% in growth and 20 in defensive, so 10% more in defensive.","start":700.59503,"end":708.44,"sentiment":"neutral","sentiment_score":0.09138904015223186},{"text":"So","start":709.22003,"end":709.62006,"sentiment":"neutral","sentiment_score":0.0636017918586731}],"sentiment":"neutral","sentiment_score":0.0918517865844675,"channel":0,"num_words":37,"start":691.875,"end":709.62006},{"sentences":[{"text":"Yeah.","start":709.32996,"end":709.82996,"sentiment":"neutral","sentiment_score":0.06638950854539871}],"sentiment":"neutral","sentiment_score":0.06638950854539871,"channel":1,"num_words":1,"start":709.32996,"end":709.82996},{"sentences":[{"text":"the difference between that is that in your growth portfolio, you might not have as much fluctuations as you do in a higher growth.","start":709.62006,"end":717.64,"sentiment":"neutral","sentiment_score":0.041101701402415834}],"sentiment":"neutral","sentiment_score":0.041101701402415834,"channel":0,"num_words":24,"start":709.62006,"end":717.64},{"sentences":[{"text":"Yep.","start":717.97,"end":718.365,"sentiment":"neutral","sentiment_score":0.0596667155623436}],"sentiment":"neutral","sentiment_score":0.0596667155623436,"channel":1,"num_words":1,"start":717.97,"end":718.365},{"sentences":[{"text":"But then on the long term, you might not have as high returns at the same time.","start":718.145,"end":723.445,"sentiment":"neutral","sentiment_score":-0.040823448887642694}],"sentiment":"neutral","sentiment_score":-0.040823448887642694,"channel":0,"num_words":17,"start":718.145,"end":723.445},{"sentences":[{"text":"Yeah.","start":724.285,"end":724.785,"sentiment":"neutral","sentiment_score":0.03444396331906319},{"text":"So","start":725.40497,"end":725.645,"sentiment":"neutral","sentiment_score":0.014533709734678268}],"sentiment":"neutral","sentiment_score":0.024488836526870728,"channel":1,"num_words":2,"start":724.285,"end":725.645},{"sentences":[{"text":"A","start":725.585,"end":725.745,"sentiment":"neutral","sentiment_score":0.01685900241136551}],"sentiment":"neutral","sentiment_score":0.01685900241136551,"channel":0,"num_words":1,"start":725.585,"end":725.745},{"sentences":[{"text":"what","start":725.645,"end":725.885,"sentiment":"neutral","sentiment_score":0.008950643241405487}],"sentiment":"neutral","sentiment_score":0.008950643241405487,"channel":1,"num_words":1,"start":725.645,"end":725.885},{"sentences":[{"text":"growth","start":725.745,"end":726.145,"sentiment":"neutral","sentiment_score":0.05801563709974289}],"sentiment":"neutral","sentiment_score":0.05801563709974289,"channel":0,"num_words":1,"start":725.745,"end":726.145},{"sentences":[{"text":"am I in","start":725.885,"end":726.365,"sentiment":"neutral","sentiment_score":0.026490914324919384}],"sentiment":"neutral","sentiment_score":0.026490914324919384,"channel":1,"num_words":3,"start":725.885,"end":726.365},{"sentences":[{"text":"price","start":726.145,"end":726.465,"sentiment":"neutral","sentiment_score":0.03901275247335434}],"sentiment":"neutral","sentiment_score":0.03901275247335434,"channel":0,"num_words":1,"start":726.145,"end":726.465},{"sentences":[{"text":"now?","start":726.365,"end":726.605,"sentiment":"neutral","sentiment_score":0.020277518779039383},{"text":"I'm in the high growth,","start":726.605,"end":727.645,"sentiment":"neutral","sentiment_score":0.08400320708751678}],"sentiment":"neutral","sentiment_score":0.07338225903610389,"channel":1,"num_words":6,"start":726.365,"end":727.645},{"sentences":[{"text":"yeah.","start":727.34503,"end":727.84503,"sentiment":"neutral","sentiment_score":0.10260556638240814}],"sentiment":"neutral","sentiment_score":0.10260556638240814,"channel":0,"num_words":1,"start":727.34503,"end":727.84503},{"sentences":[{"text":"am I?","start":727.645,"end":728.305,"sentiment":"neutral","sentiment_score":0.06463970430195332}],"sentiment":"neutral","sentiment_score":0.06463970430195332,"channel":1,"num_words":2,"start":727.645,"end":728.305},{"sentences":[{"text":"You are in the high growth.","start":728.145,"end":729.505,"sentiment":"neutral","sentiment_score":0.11600095344086488},{"text":"Yes.","start":729.505,"end":730.005,"sentiment":"neutral","sentiment_score":0.1189240738749504}],"sentiment":"neutral","sentiment_score":0.11641854207430567,"channel":0,"num_words":7,"start":728.145,"end":730.005},{"sentences":[{"text":"Yeah.","start":729.805,"end":730.305,"sentiment":"neutral","sentiment_score":0.10060994327068327},{"text":"I might just keep it like that.","start":731.5,"end":733.2,"sentiment":"neutral","sentiment_score":0.058894094611917226}],"sentiment":"neutral","sentiment_score":0.06410857569426298,"channel":1,"num_words":8,"start":729.805,"end":733.2},{"sentences":[{"text":"Keep it like that.","start":733.39,"end":734.26996,"sentiment":"neutral","sentiment_score":0.0866729412227869},{"text":"Yep.","start":734.26996,"end":734.67,"sentiment":"neutral","sentiment_score":0.07200606167316437},{"text":"No.","start":734.67,"end":734.91,"sentiment":"neutral","sentiment_score":0.007622212171554565},{"text":"That's","start":734.91,"end":735.23,"sentiment":"neutral","sentiment_score":0.040210265666246414}],"sentiment":"neutral","sentiment_score":0.066647186343159,"channel":0,"num_words":7,"start":733.39,"end":735.23},{"sentences":[{"text":"Yeah.","start":734.94,"end":735.44,"sentiment":"neutral","sentiment_score":0.06730999052524567}],"sentiment":"neutral","sentiment_score":0.06730999052524567,"channel":1,"num_words":1,"start":734.94,"end":735.44},{"sentences":[{"text":"okay.","start":735.23,"end":735.73,"sentiment":"neutral","sentiment_score":0.151897132396698}],"sentiment":"neutral","sentiment_score":0.151897132396698,"channel":0,"num_words":1,"start":735.23,"end":735.73},{"sentences":[{"text":"It's","start":736.78,"end":737.26,"sentiment":"neutral","sentiment_score":0.10641774535179138}],"sentiment":"neutral","sentiment_score":0.10641774535179138,"channel":1,"num_words":1,"start":736.78,"end":737.26},{"sentences":[{"text":"And you still have that eight years, you know, until you can get the money.","start":736.83,"end":743.57,"sentiment":"neutral","sentiment_score":0.05439962868889173}],"sentiment":"neutral","sentiment_score":0.05439962868889173,"channel":0,"num_words":15,"start":736.83,"end":743.57},{"sentences":[{"text":"yeah.","start":743.58,"end":743.865,"sentiment":"neutral","sentiment_score":0.02596196159720421}],"sentiment":"neutral","sentiment_score":0.02596196159720421,"channel":1,"num_words":1,"start":743.58,"end":743.865},{"sentences":[{"text":"And if anything","start":744.67,"end":745.97,"sentiment":"neutral","sentiment_score":0.026815056800842285}],"sentiment":"neutral","sentiment_score":0.026815056800842285,"channel":0,"num_words":3,"start":744.67,"end":745.97},{"sentences":[{"text":"My wife's gotta work for another ten years after I retire anyway, so we should be alright.","start":745.625,"end":749.885,"sentiment":"neutral","sentiment_score":-0.011536669725661768}],"sentiment":"neutral","sentiment_score":-0.011536669725661768,"channel":1,"num_words":17,"start":745.625,"end":749.885},{"sentences":[{"text":"Yeah.","start":750.15497,"end":750.65497,"sentiment":"neutral","sentiment_score":0.1737678050994873},{"text":"Perfect.","start":751.035,"end":751.535,"sentiment":"neutral","sentiment_score":0.3021870255470276},{"text":"No.","start":752.955,"end":753.275,"sentiment":"neutral","sentiment_score":-0.01124044507741928},{"text":"If anything does change, we can always reassess at HTS.","start":753.275,"end":755.755,"sentiment":"neutral","sentiment_score":-0.02476324455346912},{"text":"So, obviously, the closer you get, if you","start":755.755,"end":758.15497,"sentiment":"neutral","sentiment_score":-0.029990385752171278}],"sentiment":"neutral","sentiment_score":-0.001087673618236468,"channel":0,"num_words":21,"start":750.15497,"end":758.15497},{"sentences":[{"text":"Yeah.","start":758.105,"end":758.55,"sentiment":"neutral","sentiment_score":-0.04486297816038132}],"sentiment":"neutral","sentiment_score":-0.04486297816038132,"channel":1,"num_words":1,"start":758.105,"end":758.55},{"sentences":[{"text":"then wanna start looking at reducing that, we can do that.","start":758.15497,"end":761.54004,"sentiment":"neutral","sentiment_score":-0.07722318578850139},{"text":"But, otherwise, I will leave that in that high growth for now.","start":761.54004,"end":764.84,"sentiment":"neutral","sentiment_score":0.00511356412122647},{"text":"And like I said, if you ever change your mind, you can just let us know.","start":764.9,"end":768.36005,"sentiment":"neutral","sentiment_score":0.09059236757457256}],"sentiment":"neutral","sentiment_score":0.016958605307034958,"channel":0,"num_words":39,"start":758.15497,"end":768.36005},{"sentences":[{"text":"Yes.","start":768.70996,"end":769.20996,"sentiment":"neutral","sentiment_score":0.16610872745513916}],"sentiment":"neutral","sentiment_score":0.16610872745513916,"channel":1,"num_words":1,"start":768.70996,"end":769.20996},{"sentences":[{"text":"Yep.","start":769.46,"end":769.86005,"sentiment":"neutral","sentiment_score":0.22071248292922976},{"text":"Perfect.","start":769.86005,"end":770.36005,"sentiment":"positive","sentiment_score":0.3628236651420593},{"text":"Now, Richard, do you have access to your emails at the moment?","start":770.955,"end":774.09503,"sentiment":"neutral","sentiment_score":0.1330056426425775}],"sentiment":"neutral","sentiment_score":0.15568598998444422,"channel":0,"num_words":14,"start":769.46,"end":774.09503},{"sentences":[{"text":"Yep.","start":774.725,"end":775.225,"sentiment":"neutral","sentiment_score":0.11889033019542694}],"sentiment":"neutral","sentiment_score":0.11889033019542694,"channel":1,"num_words":1,"start":774.725,"end":775.225},{"sentences":[{"text":"Yep.","start":775.67505,"end":776.075,"sentiment":"neutral","sentiment_score":0.13726243376731873},{"text":"Okay.","start":776.075,"end":776.55505,"sentiment":"neutral","sentiment_score":0.17969851195812225},{"text":"So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time.","start":776.55505,"end":788.82,"sentiment":"neutral","sentiment_score":0.2812924372988778}],"sentiment":"neutral","sentiment_score":0.27499438784061336,"channel":0,"num_words":39,"start":775.67505,"end":788.82},{"sentences":[{"text":"Yep.","start":790.82,"end":791.32,"sentiment":"neutral","sentiment_score":0.1641668975353241}],"sentiment":"neutral","sentiment_score":0.1641668975353241,"channel":1,"num_words":1,"start":790.82,"end":791.32},{"sentences":[{"text":"Now let me know.","start":792.72,"end":794.08,"sentiment":"neutral","sentiment_score":0.17611604183912277},{"text":"So it should ask you to click on a link.","start":794.08,"end":796.66,"sentiment":"neutral","sentiment_score":0.1959687203168869},{"text":"It will allow you to look at all the documents first, though, just to make sure you are happy before it prompts you to sign anything.","start":797.6,"end":804.555,"sentiment":"neutral","sentiment_score":0.2208200515462802}],"sentiment":"neutral","sentiment_score":0.21013681776821613,"channel":0,"num_words":40,"start":792.72,"end":804.555},{"sentences":[{"text":"What's the SAW document?","start":811.54,"end":813.0,"sentiment":"neutral","sentiment_score":0.06525128148496151}],"sentiment":"neutral","sentiment_score":0.06525128148496151,"channel":1,"num_words":4,"start":811.54,"end":813.0},{"sentences":[{"text":"Yes.","start":813.815,"end":814.26,"sentiment":"neutral","sentiment_score":0.08066444098949432},{"text":"Yep.","start":814.5,"end":815.0,"sentiment":"neutral","sentiment_score":0.08466371148824692},{"text":"If","start":815.06,"end":815.22003,"sentiment":"neutral","sentiment_score":0.06506849825382233}],"sentiment":"neutral","sentiment_score":0.07679888357718785,"channel":0,"num_words":3,"start":813.815,"end":815.22003},{"sentences":[{"text":"Yep.","start":815.22,"end":815.72,"sentiment":"neutral","sentiment_score":0.044185955077409744}],"sentiment":"neutral","sentiment_score":0.044185955077409744,"channel":1,"num_words":1,"start":815.22,"end":815.72},{"sentences":[{"text":"you press that one, it should open up a couple of attachments.","start":815.22003,"end":818.12,"sentiment":"neutral","sentiment_score":0.02090212159479658}],"sentiment":"neutral","sentiment_score":0.02090212159479658,"channel":0,"num_words":12,"start":815.22003,"end":818.12},{"sentences":[{"text":"Well,","start":821.45996,"end":821.95996,"sentiment":"neutral","sentiment_score":0.00023115496151149273}],"sentiment":"neutral","sentiment_score":0.00023115496151149273,"channel":1,"num_words":1,"start":821.45996,"end":821.95996},{"sentences":[{"text":"Doesn't let me know what you can see.","start":824.66003,"end":826.755,"sentiment":"neutral","sentiment_score":-0.031707750633358955},{"text":"The first one should The first one should say summary of superannuation","start":840.355,"end":843.83,"sentiment":"neutral","sentiment_score":0.0016116861952468753}],"sentiment":"neutral","sentiment_score":-0.011716088536195457,"channel":0,"num_words":20,"start":824.66003,"end":843.83},{"sentences":[{"text":"Yeah.","start":843.64,"end":844.04004,"sentiment":"neutral","sentiment_score":0.007856810465455055},{"text":"I see.","start":844.04004,"end":844.44,"sentiment":"neutral","sentiment_score":0.006822771392762661}],"sentiment":"neutral","sentiment_score":0.007167451083660126,"channel":1,"num_words":3,"start":843.64,"end":844.44},{"sentences":[{"text":"and","start":844.29,"end":844.61,"sentiment":"neutral","sentiment_score":0.0033116652630269527}],"sentiment":"neutral","sentiment_score":0.0033116652630269527,"channel":0,"num_words":1,"start":844.29,"end":844.61},{"sentences":[{"text":"Yeah.","start":844.44,"end":844.76,"sentiment":"neutral","sentiment_score":0.006451283115893602}],"sentiment":"neutral","sentiment_score":0.006451283115893602,"channel":1,"num_words":1,"start":844.44,"end":844.76},{"sentences":[{"text":"insurance.","start":844.61,"end":845.11,"sentiment":"neutral","sentiment_score":0.003304482204839587}],"sentiment":"neutral","sentiment_score":0.003304482204839587,"channel":0,"num_words":1,"start":844.61,"end":845.11},{"sentences":[{"text":"Yep.","start":844.76,"end":845.26,"sentiment":"neutral","sentiment_score":0.01096714660525322}],"sentiment":"neutral","sentiment_score":0.01096714660525322,"channel":1,"num_words":1,"start":844.76,"end":845.26},{"sentences":[{"text":"Oh, yeah.","start":845.89,"end":846.21,"sentiment":"neutral","sentiment_score":0.011170197743922472},{"text":"You can see that one?","start":846.21,"end":847.35,"sentiment":"neutral","sentiment_score":0.01070801317691803}],"sentiment":"neutral","sentiment_score":0.010840065910347871,"channel":0,"num_words":7,"start":845.89,"end":847.35},{"sentences":[{"text":"Yep.","start":847.48004,"end":847.96,"sentiment":"neutral","sentiment_score":0.01462986133992672},{"text":"That's","start":847.96,"end":848.28,"sentiment":"neutral","sentiment_score":0.022433273494243625}],"sentiment":"neutral","sentiment_score":0.01853156741708517,"channel":1,"num_words":2,"start":847.48004,"end":848.28},{"sentences":[{"text":"Yep.","start":848.29,"end":848.79,"sentiment":"neutral","sentiment_score":0.017217358574271202}],"sentiment":"neutral","sentiment_score":0.017217358574271202,"channel":0,"num_words":1,"start":848.29,"end":848.79},{"sentences":[{"text":"yeah.","start":848.36005,"end":848.68,"sentiment":"neutral","sentiment_score":0.010744431987404823},{"text":"What what does it say?","start":848.68,"end":849.995,"sentiment":"neutral","sentiment_score":0.005244496278464794},{"text":"A summary separation insertion.","start":850.135,"end":852.15497,"sentiment":"neutral","sentiment_score":0.016358174150809646}],"sentiment":"neutral","sentiment_score":0.010239960998296738,"channel":1,"num_words":10,"start":848.36005,"end":852.15497},{"sentences":[{"text":"Yep.","start":852.93,"end":853.33,"sentiment":"neutral","sentiment_score":0.13885653018951416},{"text":"Perfect.","start":853.33,"end":853.83,"sentiment":"positive","sentiment_score":0.43494582176208496}],"sentiment":"neutral","sentiment_score":0.28690117597579956,"channel":0,"num_words":2,"start":852.93,"end":853.83},{"sentences":[{"text":"Yep.","start":853.575,"end":854.075,"sentiment":"neutral","sentiment_score":0.1727256029844284}],"sentiment":"neutral","sentiment_score":0.1727256029844284,"channel":1,"num_words":1,"start":853.575,"end":854.075},{"sentences":[{"text":"So that one here gives you a bit of a breakdown of your super and your Now I did have a quick look at your super balance as of last year as well just to see for that comparison for you.","start":854.53,"end":866.455,"sentiment":"neutral","sentiment_score":0.10514926474268843},{"text":"And when we spoke doing that in review last year, your super balance was at a 135,993.","start":866.515,"end":874.22003,"sentiment":"neutral","sentiment_score":0.05719010049805922},{"text":"And you can see that it's now up at a 149,721.","start":874.52,"end":879.98004,"sentiment":"neutral","sentiment_score":0.07585917074571956}],"sentiment":"neutral","sentiment_score":0.08866380349449489,"channel":0,"num_words":69,"start":854.53,"end":879.98004},{"sentences":[{"text":"Yes.","start":881.245,"end":881.745,"sentiment":"neutral","sentiment_score":0.07728371024131775}],"sentiment":"neutral","sentiment_score":0.07728371024131775,"channel":1,"num_words":1,"start":881.245,"end":881.745},{"sentences":[{"text":"Now underneath that, you then also have your ClearView insurance, and you have your life and total permanent disability insurance, and that is covering you for 327,069 if something were to happen.","start":881.4,"end":899.35504,"sentiment":"neutral","sentiment_score":0.06185647798702121}],"sentiment":"neutral","sentiment_score":0.06185647798702121,"channel":0,"num_words":32,"start":881.4,"end":899.35504},{"sentences":[{"text":"Yep.","start":900.06,"end":900.345,"sentiment":"neutral","sentiment_score":0.05131855607032776}],"sentiment":"neutral","sentiment_score":0.05131855607032776,"channel":1,"num_words":1,"start":900.06,"end":900.345},{"sentences":[{"text":"Are you still comfortable with the level of cover you have for life and TPD, or or what are your thoughts on that?","start":900.28,"end":906.7,"sentiment":"neutral","sentiment_score":0.0067031019083831625}],"sentiment":"neutral","sentiment_score":0.0067031019083831625,"channel":0,"num_words":23,"start":900.28,"end":906.7},{"sentences":[{"text":"No.","start":907.225,"end":907.70496,"sentiment":"neutral","sentiment_score":-0.051664188504219055},{"text":"That's yeah.","start":907.70496,"end":908.58496,"sentiment":"neutral","sentiment_score":-0.010433425894007087},{"text":"Still pretty","start":908.58496,"end":909.32495,"sentiment":"neutral","sentiment_score":0.041170354932546616}],"sentiment":"neutral","sentiment_score":0.0019619339145720005,"channel":1,"num_words":5,"start":907.225,"end":909.32495},{"sentences":[{"text":"That","start":909.4,"end":909.9,"sentiment":"neutral","sentiment_score":0.1773764193058014}],"sentiment":"neutral","sentiment_score":0.1773764193058014,"channel":0,"num_words":1,"start":909.4,"end":909.9},{"sentences":[{"text":"good, I reckon.","start":909.545,"end":910.365,"sentiment":"positive","sentiment_score":0.4713437060515086}],"sentiment":"positive","sentiment_score":0.4713437060515086,"channel":1,"num_words":3,"start":909.545,"end":910.365},{"sentences":[{"text":"that's pretty good.","start":910.12,"end":911.16003,"sentiment":"positive","sentiment_score":0.4906922181447347},{"text":"Yep.","start":911.16003,"end":911.64,"sentiment":"neutral","sentiment_score":0.2970728278160095},{"text":"Beautiful.","start":911.64,"end":912.14,"sentiment":"positive","sentiment_score":0.4862176477909088},{"text":"Now you then also have an income protection policy, and that will pay you a monthly amount of $7,631 per month, which pretty much adds up very close to the income of the 130, which would be about 7,583.","start":912.755,"end":933.25995,"sentiment":"neutral","sentiment_score":0.19884406832548288},{"text":"So pretty spot on with the monthly benefit amount.","start":933.25995,"end":936.56,"sentiment":"neutral","sentiment_score":0.29566141466299695}],"sentiment":"neutral","sentiment_score":0.23907997220192315,"channel":0,"num_words":53,"start":910.12,"end":936.56},{"sentences":[{"text":"Yep.","start":936.935,"end":937.435,"sentiment":"neutral","sentiment_score":0.138456791639328}],"sentiment":"neutral","sentiment_score":0.138456791639328,"channel":1,"num_words":1,"start":936.935,"end":937.435},{"sentences":[{"text":"You do have that ninety day waiting period and a two year benefit period.","start":937.505,"end":942.005,"sentiment":"neutral","sentiment_score":0.15613133353846415},{"text":"Do you have any questions in regards to the income protection or wanting to make any","start":942.545,"end":947.745,"sentiment":"neutral","sentiment_score":0.0886186920106411}],"sentiment":"neutral","sentiment_score":0.12012459139029184,"channel":0,"num_words":30,"start":937.505,"end":947.745},{"sentences":[{"text":"Thanks.","start":947.6,"end":948.1,"sentiment":"neutral","sentiment_score":0.21117740869522095}],"sentiment":"neutral","sentiment_score":0.21117740869522095,"channel":1,"num_words":1,"start":947.6,"end":948.1},{"sentences":[{"text":"changes or still happy","start":947.745,"end":949.14,"sentiment":"neutral","sentiment_score":0.06938967294991016}],"sentiment":"neutral","sentiment_score":0.06938967294991016,"channel":0,"num_words":4,"start":947.745,"end":949.14},{"sentences":[{"text":"Yeah.","start":949.76,"end":950.07996,"sentiment":"neutral","sentiment_score":0.15624941885471344},{"text":"Still pretty happy.","start":950.07996,"end":950.88,"sentiment":"neutral","sentiment_score":0.28157572944959003},{"text":"I still","start":950.88,"end":951.27997,"sentiment":"neutral","sentiment_score":0.10457376390695572}],"sentiment":"neutral","sentiment_score":0.2016873558362325,"channel":1,"num_words":6,"start":949.76,"end":951.27997},{"sentences":[{"text":"with","start":951.22003,"end":951.46,"sentiment":"neutral","sentiment_score":0.11677157878875732}],"sentiment":"neutral","sentiment_score":0.11677157878875732,"channel":0,"num_words":1,"start":951.22003,"end":951.46},{"sentences":[{"text":"cover","start":951.27997,"end":951.6,"sentiment":"neutral","sentiment_score":0.15937745571136477}],"sentiment":"neutral","sentiment_score":0.15937745571136477,"channel":1,"num_words":1,"start":951.27997,"end":951.6},{"sentences":[{"text":"that?","start":951.46,"end":951.62,"sentiment":"neutral","sentiment_score":0.09544044733047484}],"sentiment":"neutral","sentiment_score":0.09544044733047484,"channel":0,"num_words":1,"start":951.46,"end":951.62},{"sentences":[{"text":"everything.","start":951.6,"end":952.07996,"sentiment":"neutral","sentiment_score":0.04158564284443855}],"sentiment":"neutral","sentiment_score":0.04158564284443855,"channel":1,"num_words":1,"start":951.6,"end":952.07996},{"sentences":[{"text":"Yep.","start":951.62,"end":952.12,"sentiment":"neutral","sentiment_score":0.03996967524290085}],"sentiment":"neutral","sentiment_score":0.03996967524290085,"channel":0,"num_words":1,"start":951.62,"end":952.12},{"sentences":[{"text":"What's going on?","start":952.07996,"end":953.025,"sentiment":"neutral","sentiment_score":0.028753916422526043}],"sentiment":"neutral","sentiment_score":0.028753916422526043,"channel":1,"num_words":3,"start":952.07996,"end":953.025},{"sentences":[{"text":"Yes.","start":952.74,"end":953.24,"sentiment":"neutral","sentiment_score":0.09736543148756029},{"text":"Yep.","start":953.54004,"end":953.86,"sentiment":"neutral","sentiment_score":0.14772622287273407},{"text":"Beautiful.","start":953.86,"end":954.36,"sentiment":"positive","sentiment_score":0.4078400135040283},{"text":"Now you have all those three structured from within superannuation.","start":955.38,"end":958.92004,"sentiment":"neutral","sentiment_score":0.19040872156620026},{"text":"You do get a 15% tax rebate, and the premium for those three is 6,595.","start":960.10004,"end":968.735,"sentiment":"neutral","sentiment_score":0.171623199681441}],"sentiment":"neutral","sentiment_score":0.18326310281242644,"channel":0,"num_words":28,"start":952.74,"end":968.735},{"sentences":[{"text":"So, obviously, the insurances does get more more expensive the older you get.","start":969.27496,"end":974.015,"sentiment":"neutral","sentiment_score":-0.1017576980476196}],"sentiment":"neutral","sentiment_score":-0.1017576980476196,"channel":0,"num_words":13,"start":969.27496,"end":974.015},{"sentences":[{"text":"Yep.","start":974.63995,"end":975.13995,"sentiment":"neutral","sentiment_score":0.10371676087379456}],"sentiment":"neutral","sentiment_score":0.10371676087379456,"channel":1,"num_words":1,"start":974.63995,"end":975.13995},{"sentences":[{"text":"You're still happy with all your insurances and everything?","start":974.875,"end":978.10004,"sentiment":"neutral","sentiment_score":0.2954603499836392}],"sentiment":"neutral","sentiment_score":0.2954603499836392,"channel":0,"num_words":9,"start":974.875,"end":978.10004},{"sentences":[{"text":"Yeah.","start":979.19995,"end":979.545,"sentiment":"neutral","sentiment_score":0.1180986985564232}],"sentiment":"neutral","sentiment_score":0.1180986985564232,"channel":1,"num_words":1,"start":979.19995,"end":979.545},{"sentences":[{"text":"Yep.","start":980.08,"end":980.4,"sentiment":"neutral","sentiment_score":0.10267767310142516},{"text":"Okay.","start":980.4,"end":980.72003,"sentiment":"neutral","sentiment_score":0.22094032168388367},{"text":"Beautiful.","start":980.72003,"end":981.22003,"sentiment":"neutral","sentiment_score":0.08033671975135803},{"text":"Now next document for me, Richard, should be a performance report with Net Wealth.","start":981.60004,"end":991.045,"sentiment":"neutral","sentiment_score":0.03911494969257286}],"sentiment":"neutral","sentiment_score":0.05597435354309924,"channel":0,"num_words":17,"start":980.08,"end":991.045},{"sentences":[{"text":"Yep.","start":990.90497,"end":991.40497,"sentiment":"neutral","sentiment_score":0.05508176609873772}],"sentiment":"neutral","sentiment_score":0.05508176609873772,"channel":1,"num_words":1,"start":990.90497,"end":991.40497},{"sentences":[{"text":"Yep.","start":991.825,"end":992.325,"sentiment":"neutral","sentiment_score":0.05935482308268547},{"text":"Now you have two added there for you.","start":992.785,"end":995.505,"sentiment":"neutral","sentiment_score":0.06321100099012256},{"text":"So one is twelve months, and one is three months.","start":995.505,"end":999.125,"sentiment":"neutral","sentiment_score":0.03595310766249895},{"text":"And that is just to show the change that we did make to one of your investments.","start":999.505,"end":1004.21,"sentiment":"neutral","sentiment_score":0.05352166404618936},{"text":"So I'm not sure if you remember receiving an email from us back in March in regards to changing one of the investments for you.","start":1004.83,"end":1013.345,"sentiment":"neutral","sentiment_score":-0.015633880072273315}],"sentiment":"neutral","sentiment_score":0.02366549499355806,"channel":0,"num_words":61,"start":991.825,"end":1013.345},{"sentences":[{"text":"Yeah.","start":1012.96497,"end":1013.365,"sentiment":"neutral","sentiment_score":0.030624665319919583},{"text":"I","start":1013.365,"end":1013.52496,"sentiment":"neutral","sentiment_score":0.03967545926570892}],"sentiment":"neutral","sentiment_score":0.035150062292814255,"channel":1,"num_words":2,"start":1012.96497,"end":1013.52496},{"sentences":[{"text":"It","start":1013.485,"end":1013.725,"sentiment":"neutral","sentiment_score":0.04591432958841324}],"sentiment":"neutral","sentiment_score":0.04591432958841324,"channel":0,"num_words":1,"start":1013.485,"end":1013.725},{"sentences":[{"text":"did","start":1013.52496,"end":1013.765,"sentiment":"neutral","sentiment_score":0.05749882012605667}],"sentiment":"neutral","sentiment_score":0.05749882012605667,"channel":1,"num_words":1,"start":1013.52496,"end":1013.765},{"sentences":[{"text":"was","start":1013.725,"end":1013.96497,"sentiment":"neutral","sentiment_score":0.04110279306769371}],"sentiment":"neutral","sentiment_score":0.04110279306769371,"channel":0,"num_words":1,"start":1013.725,"end":1013.96497},{"sentences":[{"text":"save an email there.","start":1013.765,"end":1014.96497,"sentiment":"neutral","sentiment_score":0.03675454016774893},{"text":"Yeah.","start":1014.96497,"end":1015.46497,"sentiment":"neutral","sentiment_score":0.09201540052890778}],"sentiment":"neutral","sentiment_score":0.047806712239980696,"channel":1,"num_words":5,"start":1013.765,"end":1015.46497},{"sentences":[{"text":"Yep.","start":1015.64496,"end":1016.125,"sentiment":"neutral","sentiment_score":0.19132713973522184},{"text":"Perfect.","start":1016.125,"end":1016.625,"sentiment":"positive","sentiment_score":0.4573094844818115},{"text":"So if you look at the twelve month report first, it should be the first one.","start":1016.76495,"end":1021.665,"sentiment":"neutral","sentiment_score":0.2723117247223854},{"text":"The one that we did change for you so the investment committee does a lot of research, obviously, on all the investments all the time.","start":1022.925,"end":1030.03,"sentiment":"neutral","sentiment_score":0.18966502472758293},{"text":"And if there is an investment that is slightly underperforming and we foresee it not being the best investment option for you moving forward, we do wanna take that kind of proactive approach in swapping things for you and","start":1030.49,"end":1044.405,"sentiment":"neutral","sentiment_score":0.04304481221315188}],"sentiment":"neutral","sentiment_score":0.13934143310094751,"channel":0,"num_words":82,"start":1015.64496,"end":1044.405},{"sentences":[{"text":"Yep.","start":1044.225,"end":1044.69,"sentiment":"neutral","sentiment_score":0.22149807214736936}],"sentiment":"neutral","sentiment_score":0.22149807214736936,"channel":1,"num_words":1,"start":1044.225,"end":1044.69},{"sentences":[{"text":"making sure that your super and everything continues to grow.","start":1044.405,"end":1047.125,"sentiment":"neutral","sentiment_score":0.29669962674379347}],"sentiment":"neutral","sentiment_score":0.29669962674379347,"channel":0,"num_words":10,"start":1044.405,"end":1047.125},{"sentences":[{"text":"K.","start":1046.9299,"end":1047.4299,"sentiment":"neutral","sentiment_score":0.05858609080314636}],"sentiment":"neutral","sentiment_score":0.05858609080314636,"channel":1,"num_words":1,"start":1046.9299,"end":1047.4299},{"sentences":[{"text":"That all make sense?","start":1047.125,"end":1048.185,"sentiment":"neutral","sentiment_score":0.09404762648046017}],"sentiment":"neutral","sentiment_score":0.09404762648046017,"channel":0,"num_words":4,"start":1047.125,"end":1048.185},{"sentences":[{"text":"Yep.","start":1048.37,"end":1048.7699,"sentiment":"neutral","sentiment_score":0.06828422844409943},{"text":"Yep.","start":1048.7699,"end":1049.2699,"sentiment":"neutral","sentiment_score":0.07000255584716797}],"sentiment":"neutral","sentiment_score":0.0691433921456337,"channel":1,"num_words":2,"start":1048.37,"end":1049.2699},{"sentences":[{"text":"Yeah.","start":1048.9651,"end":1049.285,"sentiment":"neutral","sentiment_score":0.1059403195977211},{"text":"Yeah.","start":1049.285,"end":1049.605,"sentiment":"neutral","sentiment_score":0.20847418904304504},{"text":"Beautiful.","start":1049.605,"end":1050.105,"sentiment":"positive","sentiment_score":0.4235906600952149},{"text":"So,","start":1050.405,"end":1050.805,"sentiment":"neutral","sentiment_score":0.2001777291297913}],"sentiment":"neutral","sentiment_score":0.23454572446644306,"channel":0,"num_words":4,"start":1048.9651,"end":1050.805},{"sentences":[{"text":"I wanna","start":1050.5299,"end":1051.1699,"sentiment":"neutral","sentiment_score":0.1512647643685341}],"sentiment":"neutral","sentiment_score":0.1512647643685341,"channel":1,"num_words":2,"start":1050.5299,"end":1051.1699},{"sentences":[{"text":"basically","start":1050.805,"end":1051.305,"sentiment":"neutral","sentiment_score":0.1450606733560562}],"sentiment":"neutral","sentiment_score":0.1450606733560562,"channel":0,"num_words":1,"start":1050.805,"end":1051.305},{"sentences":[{"text":"go off, not damn.","start":1051.1699,"end":1052.3099,"sentiment":"neutral","sentiment_score":0.0953751839697361}],"sentiment":"neutral","sentiment_score":0.0953751839697361,"channel":1,"num_words":4,"start":1051.1699,"end":1052.3099},{"sentences":[{"text":"correct.","start":1053.285,"end":1053.785,"sentiment":"neutral","sentiment_score":0.07484962046146393},{"text":"So on the twelve month report here, you can see that there was only one investment that was underperforming or was down.","start":1053.925,"end":1061.6,"sentiment":"neutral","sentiment_score":0.03293146184560927},{"text":"Everything else was doing good, and that was the Benelong Australian Equity Investment,","start":1061.6,"end":1066.34,"sentiment":"neutral","sentiment_score":0.14965288169108903}],"sentiment":"neutral","sentiment_score":0.07624525675136182,"channel":0,"num_words":36,"start":1053.285,"end":1066.34},{"sentences":[{"text":"Yeah.","start":1067.345,"end":1067.845,"sentiment":"neutral","sentiment_score":0.06788592040538788}],"sentiment":"neutral","sentiment_score":0.06788592040538788,"channel":1,"num_words":1,"start":1067.345,"end":1067.845},{"sentences":[{"text":"so which is the one we changed for you.","start":1067.6799,"end":1070.195,"sentiment":"neutral","sentiment_score":0.09757636321915521},{"text":"So then on the next document, the three month period, you can then kind of see the change, and you can see that when having a look at that one, you no longer had the Benelung investment, and instead, you had that substitute of the BetaShares Australia two 100, which is positive and going up, which is good.","start":1070.735,"end":1092.21,"sentiment":"neutral","sentiment_score":0.1866750325365313}],"sentiment":"neutral","sentiment_score":0.17470655456852557,"channel":0,"num_words":67,"start":1067.6799,"end":1092.21},{"sentences":[{"text":"Yep.","start":1093.295,"end":1093.62,"sentiment":"neutral","sentiment_score":0.08154338598251343}],"sentiment":"neutral","sentiment_score":0.08154338598251343,"channel":1,"num_words":1,"start":1093.295,"end":1093.62},{"sentences":[{"text":"Yep.","start":1094.11,"end":1094.51,"sentiment":"neutral","sentiment_score":0.04736144840717316},{"text":"Any questions in regards to any of that?","start":1094.51,"end":1096.755,"sentiment":"neutral","sentiment_score":0.02877040789462626},{"text":"Well, that's pretty straightforward.","start":1096.835,"end":1098.055,"sentiment":"neutral","sentiment_score":0.19304322078824043}],"sentiment":"neutral","sentiment_score":0.08074596882439576,"channel":0,"num_words":13,"start":1094.11,"end":1098.055},{"sentences":[{"text":"Please.","start":1099.38,"end":1099.88,"sentiment":"neutral","sentiment_score":0.18363726139068604},{"text":"Can you put me","start":1100.34,"end":1100.98,"sentiment":"neutral","sentiment_score":0.04116684291511774}],"sentiment":"neutral","sentiment_score":0.0696609266102314,"channel":1,"num_words":5,"start":1099.38,"end":1100.98},{"sentences":[{"text":"Makes","start":1100.835,"end":1101.155,"sentiment":"neutral","sentiment_score":0.03134813904762268}],"sentiment":"neutral","sentiment_score":0.03134813904762268,"channel":0,"num_words":1,"start":1100.835,"end":1101.155},{"sentences":[{"text":"ahead around","start":1100.98,"end":1101.54,"sentiment":"neutral","sentiment_score":0.038565706461668015}],"sentiment":"neutral","sentiment_score":0.038565706461668015,"channel":1,"num_words":2,"start":1100.98,"end":1101.54},{"sentences":[{"text":"sense.","start":1101.155,"end":1101.655,"sentiment":"neutral","sentiment_score":0.022685764357447624}],"sentiment":"neutral","sentiment_score":0.022685764357447624,"channel":0,"num_words":1,"start":1101.155,"end":1101.655},{"sentences":[{"text":"that?","start":1101.54,"end":1102.04,"sentiment":"neutral","sentiment_score":0.03148343414068222}],"sentiment":"neutral","sentiment_score":0.03148343414068222,"channel":1,"num_words":1,"start":1101.54,"end":1102.04},{"sentences":[{"text":"Yeah.","start":1102.435,"end":1102.935,"sentiment":"neutral","sentiment_score":0.03144156560301781},{"text":"No.","start":1103.235,"end":1103.475,"sentiment":"neutral","sentiment_score":0.015511658042669296},{"text":"That's all good.","start":1103.475,"end":1104.595,"sentiment":"neutral","sentiment_score":0.16413758198420206},{"text":"Essentially, we just take that one investment, and that was one Australian investment for another Australian investment.","start":1104.595,"end":1110.615,"sentiment":"neutral","sentiment_score":0.07493955050321187}],"sentiment":"neutral","sentiment_score":0.08242446946149523,"channel":0,"num_words":22,"start":1102.435,"end":1110.615},{"sentences":[{"text":"Yep.","start":1111.635,"end":1112.135,"sentiment":"neutral","sentiment_score":0.28927379846572876}],"sentiment":"neutral","sentiment_score":0.28927379846572876,"channel":1,"num_words":1,"start":1111.635,"end":1112.135},{"sentences":[{"text":"The beta share is performing a bit better than the Bennelong, which is great.","start":1111.91,"end":1115.91,"sentiment":"positive","sentiment_score":0.5210268901927131},{"text":"It's a little bit cheaper as well, which again is good.","start":1115.91,"end":1118.89,"sentiment":"positive","sentiment_score":0.4767711582508954},{"text":"And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market.","start":1119.4299,"end":1130.735,"sentiment":"neutral","sentiment_score":0.1375935722527833}],"sentiment":"neutral","sentiment_score":0.3060939407183064,"channel":0,"num_words":54,"start":1111.91,"end":1130.735},{"sentences":[{"text":"Yeah.","start":1131.52,"end":1131.885,"sentiment":"neutral","sentiment_score":0.14321206510066986}],"sentiment":"neutral","sentiment_score":0.14321206510066986,"channel":1,"num_words":1,"start":1131.52,"end":1131.885},{"sentences":[{"text":"Whereas the new one, it's kind of tracking the 200 largest companies in Australia.","start":1132.075,"end":1137.295,"sentiment":"neutral","sentiment_score":0.14667062142065593},{"text":"So very diversified, and if there is a bit of to one company, it won't impact it as much because you do have 200 different companies within just the one investment.","start":1137.675,"end":1147.98,"sentiment":"neutral","sentiment_score":0.154144485871638},{"text":"Does","start":1148.6799,"end":1148.84,"sentiment":"neutral","sentiment_score":0.05161013826727867}],"sentiment":"neutral","sentiment_score":0.14964082391689654,"channel":0,"num_words":46,"start":1132.075,"end":1148.84},{"sentences":[{"text":"Oh,","start":1148.7001,"end":1148.9401,"sentiment":"neutral","sentiment_score":0.07340269535779953}],"sentiment":"neutral","sentiment_score":0.07340269535779953,"channel":1,"num_words":1,"start":1148.7001,"end":1148.9401},{"sentences":[{"text":"that","start":1148.84,"end":1149.08,"sentiment":"neutral","sentiment_score":0.10025666654109956}],"sentiment":"neutral","sentiment_score":0.10025666654109956,"channel":0,"num_words":1,"start":1148.84,"end":1149.08},{"sentences":[{"text":"yeah.","start":1148.9401,"end":1149.4401,"sentiment":"neutral","sentiment_score":0.07736663520336151}],"sentiment":"neutral","sentiment_score":0.07736663520336151,"channel":1,"num_words":1,"start":1148.9401,"end":1149.4401},{"sentences":[{"text":"kind of make sense?","start":1149.08,"end":1150.22,"sentiment":"neutral","sentiment_score":0.07861857675015926}],"sentiment":"neutral","sentiment_score":0.07861857675015926,"channel":0,"num_words":4,"start":1149.08,"end":1150.22},{"sentences":[{"text":"Yeah.","start":1150.14,"end":1150.54,"sentiment":"neutral","sentiment_score":0.0827471911907196},{"text":"Yeah.","start":1150.54,"end":1150.78,"sentiment":"neutral","sentiment_score":0.10058458149433136},{"text":"Yeah.","start":1150.78,"end":1151.28,"sentiment":"neutral","sentiment_score":0.12485376745462418}],"sentiment":"neutral","sentiment_score":0.10272851337989171,"channel":1,"num_words":3,"start":1150.14,"end":1151.28},{"sentences":[{"text":"Yep.","start":1151.08,"end":1151.4,"sentiment":"neutral","sentiment_score":0.169134259223938},{"text":"Yep.","start":1151.4,"end":1151.72,"sentiment":"neutral","sentiment_score":0.30611222982406616},{"text":"Beautiful.","start":1151.72,"end":1152.22,"sentiment":"positive","sentiment_score":0.6413528919219971},{"text":"Now the next document for me there, which should should be your certificate of currency, or it's a Vanguard index charge.","start":1153.08,"end":1163.365,"sentiment":"neutral","sentiment_score":0.16626686177083425}],"sentiment":"neutral","sentiment_score":0.19200847825656334,"channel":0,"num_words":24,"start":1151.08,"end":1163.365},{"sentences":[{"text":"Yep.","start":1163.005,"end":1163.505,"sentiment":"neutral","sentiment_score":0.09671753644943236}],"sentiment":"neutral","sentiment_score":0.09671753644943236,"channel":1,"num_words":1,"start":1163.005,"end":1163.505},{"sentences":[{"text":"What can you see?","start":1164.5449,"end":1165.6849,"sentiment":"neutral","sentiment_score":0.07487166486680508}],"sentiment":"neutral","sentiment_score":0.07487166486680508,"channel":0,"num_words":4,"start":1164.5449,"end":1165.6849},{"sentences":[{"text":"Lots of numbers.","start":1166.0449,"end":1167.0249,"sentiment":"neutral","sentiment_score":0.11129153519868851}],"sentiment":"neutral","sentiment_score":0.11129153519868851,"channel":1,"num_words":3,"start":1166.0449,"end":1167.0249},{"sentences":[{"text":"So it's probably the Clearview one for you.","start":1168.225,"end":1170.8849,"sentiment":"neutral","sentiment_score":0.20158864744007587},{"text":"It basically just breaks down your insurances in a bit more information, lets you know that's all paid and up to date for you.","start":1171.0901,"end":1177.8301,"sentiment":"neutral","sentiment_score":0.2038003740211328}],"sentiment":"neutral","sentiment_score":0.20324744237586856,"channel":0,"num_words":32,"start":1168.225,"end":1177.8301},{"sentences":[{"text":"Yep.","start":1178.0701,"end":1178.5701,"sentiment":"neutral","sentiment_score":0.18891510367393496}],"sentiment":"neutral","sentiment_score":0.18891510367393496,"channel":1,"num_words":1,"start":1178.0701,"end":1178.5701},{"sentences":[{"text":"Yep.","start":1178.93,"end":1179.3301,"sentiment":"neutral","sentiment_score":0.2510424852371216},{"text":"Beautiful.","start":1179.3301,"end":1179.8301,"sentiment":"positive","sentiment_score":0.5247330665588379},{"text":"And if you wanna click next for me.","start":1179.89,"end":1181.91,"sentiment":"neutral","sentiment_score":0.1700686113908887}],"sentiment":"neutral","sentiment_score":0.2136324442923069,"channel":0,"num_words":10,"start":1178.93,"end":1181.91},{"sentences":[{"text":"Yep.","start":1184.395,"end":1184.715,"sentiment":"neutral","sentiment_score":0.05431037396192551},{"text":"More numbers.","start":1184.715,"end":1185.615,"sentiment":"neutral","sentiment_score":0.046910837292671204}],"sentiment":"neutral","sentiment_score":0.049377349515755974,"channel":1,"num_words":3,"start":1184.395,"end":1185.615},{"sentences":[{"text":"Yep.","start":1185.3301,"end":1185.615,"sentiment":"neutral","sentiment_score":0.05427892133593559},{"text":"Yep.","start":1186.495,"end":1186.995,"sentiment":"neutral","sentiment_score":0.04773147404193878},{"text":"And what does it say at the top?","start":1187.0549,"end":1188.735,"sentiment":"neutral","sentiment_score":0.028032225323840976},{"text":"Is that pink and says clear view?","start":1188.735,"end":1190.755,"sentiment":"neutral","sentiment_score":0.03932432151798691}],"sentiment":"neutral","sentiment_score":0.0353846146232065,"channel":0,"num_words":17,"start":1185.3301,"end":1190.755},{"sentences":[{"text":"It says net wealth.","start":1192.715,"end":1194.015,"sentiment":"neutral","sentiment_score":0.03024279000237584},{"text":"Asset performance details.","start":1195.995,"end":1197.855,"sentiment":"neutral","sentiment_score":0.04630756999055544}],"sentiment":"neutral","sentiment_score":0.037127695711595674,"channel":1,"num_words":7,"start":1192.715,"end":1197.855},{"sentences":[{"text":"Okay.","start":1198.735,"end":1199.135,"sentiment":"neutral","sentiment_score":0.052834995090961456},{"text":"Yep.","start":1199.135,"end":1199.375,"sentiment":"neutral","sentiment_score":0.055701397359371185},{"text":"So you're kind of still on that report, the one we just","start":1199.375,"end":1201.9601,"sentiment":"neutral","sentiment_score":0.032691534608602524}],"sentiment":"neutral","sentiment_score":0.03577391483954021,"channel":0,"num_words":14,"start":1198.735,"end":1201.9601},{"sentences":[{"text":"Oh,","start":1201.77,"end":1202.01,"sentiment":"neutral","sentiment_score":0.009086517617106438}],"sentiment":"neutral","sentiment_score":0.009086517617106438,"channel":1,"num_words":1,"start":1201.77,"end":1202.01},{"sentences":[{"text":"kinda","start":1201.9601,"end":1202.28,"sentiment":"neutral","sentiment_score":0.007547119632363319}],"sentiment":"neutral","sentiment_score":0.007547119632363319,"channel":0,"num_words":1,"start":1201.9601,"end":1202.28},{"sentences":[{"text":"yeah.","start":1202.01,"end":1202.17,"sentiment":"neutral","sentiment_score":0.01304138731211424},{"text":"I know","start":1202.17,"end":1202.65,"sentiment":"neutral","sentiment_score":0.0036814147606492043}],"sentiment":"neutral","sentiment_score":0.006801405611137549,"channel":1,"num_words":3,"start":1202.01,"end":1202.65},{"sentences":[{"text":"went through.","start":1202.28,"end":1203.1001,"sentiment":"neutral","sentiment_score":0.01808855962008238}],"sentiment":"neutral","sentiment_score":0.01808855962008238,"channel":0,"num_words":2,"start":1202.28,"end":1203.1001},{"sentences":[{"text":"the the next one, next document.","start":1202.65,"end":1204.75,"sentiment":"neutral","sentiment_score":0.01619581412523985}],"sentiment":"neutral","sentiment_score":0.01619581412523985,"channel":1,"num_words":6,"start":1202.65,"end":1204.75},{"sentences":[{"text":"Yes, please.","start":1204.4401,"end":1205.26,"sentiment":"neutral","sentiment_score":0.04300636239349842},{"text":"Yes.","start":1205.4,"end":1205.9,"sentiment":"neutral","sentiment_score":0.03921546787023544}],"sentiment":"neutral","sentiment_score":0.041742730885744095,"channel":0,"num_words":3,"start":1204.4401,"end":1205.9},{"sentences":[{"text":"Oh, yep.","start":1206.7301,"end":1207.29,"sentiment":"neutral","sentiment_score":0.030882246792316437},{"text":"Certificate of currency.","start":1207.29,"end":1208.51,"sentiment":"neutral","sentiment_score":0.035767894238233566}],"sentiment":"neutral","sentiment_score":0.03381363525986671,"channel":1,"num_words":5,"start":1206.7301,"end":1208.51},{"sentences":[{"text":"Yeah.","start":1209.16,"end":1209.4801,"sentiment":"neutral","sentiment_score":0.059708140790462494}],"sentiment":"neutral","sentiment_score":0.059708140790462494,"channel":0,"num_words":1,"start":1209.16,"end":1209.4801},{"sentences":[{"text":"Clearview.","start":1209.4501,"end":1209.9501,"sentiment":"neutral","sentiment_score":0.06434541195631027}],"sentiment":"neutral","sentiment_score":0.06434541195631027,"channel":1,"num_words":1,"start":1209.4501,"end":1209.9501},{"sentences":[{"text":"So this is the","start":1209.4801,"end":1210.2001,"sentiment":"neutral","sentiment_score":0.07694598846137524}],"sentiment":"neutral","sentiment_score":0.07694598846137524,"channel":0,"num_words":4,"start":1209.4801,"end":1210.2001},{"sentences":[{"text":"Yep.","start":1210.0901,"end":1210.395,"sentiment":"neutral","sentiment_score":0.07426027953624725}],"sentiment":"neutral","sentiment_score":0.07426027953624725,"channel":1,"num_words":1,"start":1210.0901,"end":1210.395},{"sentences":[{"text":"one that shows your insurances again in more information.","start":1210.2001,"end":1214.5549,"sentiment":"neutral","sentiment_score":0.07337197164694469},{"text":"Now if you can press next for me.","start":1216.855,"end":1219.195,"sentiment":"neutral","sentiment_score":0.049651313573122025}],"sentiment":"neutral","sentiment_score":0.06220930902396932,"channel":0,"num_words":17,"start":1210.2001,"end":1219.195},{"sentences":[{"text":"Yeah.","start":1220.9551,"end":1221.355,"sentiment":"neutral","sentiment_score":0.04538761079311371},{"text":"I view services guide.","start":1221.355,"end":1223.295,"sentiment":"neutral","sentiment_score":0.05080771818757057}],"sentiment":"neutral","sentiment_score":0.049723696708679196,"channel":1,"num_words":5,"start":1220.9551,"end":1223.295},{"sentences":[{"text":"Yep.","start":1223.975,"end":1224.475,"sentiment":"neutral","sentiment_score":0.0953904390335083},{"text":"You probably have seen this a few times.","start":1224.5349,"end":1226.695,"sentiment":"neutral","sentiment_score":0.06974446261301637},{"text":"It is one of those compliance documents.","start":1226.695,"end":1228.955,"sentiment":"neutral","sentiment_score":0.09079931144203458},{"text":"But it basically gives you all the important information in regards to us here at Oakview.","start":1229.49,"end":1234.23,"sentiment":"neutral","sentiment_score":0.12699370784685016},{"text":"None of the important information has changed.","start":1235.25,"end":1237.33,"sentiment":"neutral","sentiment_score":-0.024661660194396973}],"sentiment":"neutral","sentiment_score":0.08072330831335141,"channel":0,"num_words":39,"start":1223.975,"end":1237.33},{"sentences":[{"text":"You can have a bit of a read through all the directors, our advisers, and everybody in there, but I'll let you do that in your own time so I don't keep you for too long.","start":1237.33,"end":1246.315,"sentiment":"neutral","sentiment_score":0.04581536885557903}],"sentiment":"neutral","sentiment_score":0.04581536885557903,"channel":0,"num_words":36,"start":1237.33,"end":1246.315},{"sentences":[{"text":"Yep.","start":1247.495,"end":1247.995,"sentiment":"neutral","sentiment_score":0.07367230206727982}],"sentiment":"neutral","sentiment_score":0.07367230206727982,"channel":1,"num_words":1,"start":1247.495,"end":1247.995},{"sentences":[{"text":"Now if you wanna press next for me, Richard.","start":1248.0549,"end":1250.235,"sentiment":"neutral","sentiment_score":0.06461302563548088}],"sentiment":"neutral","sentiment_score":0.06461302563548088,"channel":0,"num_words":9,"start":1248.0549,"end":1250.235},{"sentences":[{"text":"Yep.","start":1251.26,"end":1251.76,"sentiment":"neutral","sentiment_score":0.05605539679527283}],"sentiment":"neutral","sentiment_score":0.05605539679527283,"channel":1,"num_words":1,"start":1251.26,"end":1251.76},{"sentences":[{"text":"Yep.","start":1252.535,"end":1252.775,"sentiment":"neutral","sentiment_score":0.05259542167186737},{"text":"What can you see now?","start":1252.775,"end":1254.075,"sentiment":"neutral","sentiment_score":0.04070754498243332}],"sentiment":"neutral","sentiment_score":0.04268885776400566,"channel":0,"num_words":6,"start":1252.535,"end":1254.075},{"sentences":[{"text":"Net wealth, advice fees, concert renewal.","start":1254.9401,"end":1257.8401,"sentiment":"neutral","sentiment_score":0.061987592528263726}],"sentiment":"neutral","sentiment_score":0.061987592528263726,"channel":1,"num_words":6,"start":1254.9401,"end":1257.8401},{"sentences":[{"text":"Yep.","start":1258.71,"end":1259.1901,"sentiment":"neutral","sentiment_score":0.015114551410079002},{"text":"So this is your ongoing service agreement,","start":1259.1901,"end":1261.85,"sentiment":"neutral","sentiment_score":0.3321836122444698}],"sentiment":"neutral","sentiment_score":0.29254997964017093,"channel":0,"num_words":8,"start":1258.71,"end":1261.85},{"sentences":[{"text":"Yep.","start":1262.6201,"end":1262.985,"sentiment":"positive","sentiment_score":0.44901177287101746}],"sentiment":"positive","sentiment_score":0.44901177287101746,"channel":1,"num_words":1,"start":1262.6201,"end":1262.985},{"sentences":[{"text":"which is just to say that you are happy to stay on as a client.","start":1262.63,"end":1266.57,"sentiment":"positive","sentiment_score":0.7396260301272074},{"text":"Now, Richard, there is no changes whatsoever in regards to the fee structure for you.","start":1267.455,"end":1272.255,"sentiment":"neutral","sentiment_score":0.12530898451805114},{"text":"It stays","start":1272.255,"end":1272.895,"sentiment":"positive","sentiment_score":0.35727277398109436}],"sentiment":"positive","sentiment_score":0.42776783648878336,"channel":0,"num_words":32,"start":1262.63,"end":1272.895},{"sentences":[{"text":"Yep.","start":1272.825,"end":1273.325,"sentiment":"neutral","sentiment_score":0.31974050402641296}],"sentiment":"neutral","sentiment_score":0.31974050402641296,"channel":1,"num_words":1,"start":1272.825,"end":1273.325},{"sentences":[{"text":"exactly the same at that 1.65 from super, but no changes at all in regards to that.","start":1272.895,"end":1279.5549,"sentiment":"neutral","sentiment_score":0.2658982044633697},{"text":"And it","start":1279.775,"end":1280.095,"sentiment":"neutral","sentiment_score":0.15948256105184555}],"sentiment":"neutral","sentiment_score":0.25469655778847244,"channel":0,"num_words":19,"start":1272.895,"end":1280.095},{"sentences":[{"text":"Yep.","start":1279.96,"end":1280.46,"sentiment":"neutral","sentiment_score":0.14915572106838226}],"sentiment":"neutral","sentiment_score":0.14915572106838226,"channel":1,"num_words":1,"start":1279.96,"end":1280.46},{"sentences":[{"text":"is also not a lock in contract.","start":1280.095,"end":1280.527,"sentiment":"neutral","sentiment_score":0.0032445985291685376},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1280.527,"end":1286.5901,"sentiment":"neutral","sentiment_score":-0.022929758454362553},{"text":"But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime.","start":1286.89,"end":1292.9901,"sentiment":"positive","sentiment_score":0.3520167689947855}],"sentiment":"neutral","sentiment_score":0.15222453666122063,"channel":0,"num_words":46,"start":1280.095,"end":1292.9901},{"sentences":[{"text":"Yep.","start":1292.855,"end":1293.355,"sentiment":"neutral","sentiment_score":0.1265515834093094}],"sentiment":"neutral","sentiment_score":0.1265515834093094,"channel":1,"num_words":1,"start":1292.855,"end":1293.355},{"sentences":[{"text":"Yep.","start":1294.3301,"end":1294.4901,"sentiment":"neutral","sentiment_score":0.11077906936407088},{"text":"So if you're happy to do so, this one here will ask for your signature at the bottom.","start":1294.4901,"end":1299.385,"sentiment":"neutral","sentiment_score":0.1467706614898311}],"sentiment":"neutral","sentiment_score":0.14487636716742264,"channel":0,"num_words":19,"start":1294.3301,"end":1299.385},{"sentences":[{"text":"Yep.","start":1299.975,"end":1300.475,"sentiment":"neutral","sentiment_score":0.11890336126089096}],"sentiment":"neutral","sentiment_score":0.11890336126089096,"channel":1,"num_words":1,"start":1299.975,"end":1300.475},{"sentences":[{"text":"Yep.","start":1301.125,"end":1301.625,"sentiment":"neutral","sentiment_score":0.198308989405632},{"text":"Perfect.","start":1301.845,"end":1302.345,"sentiment":"positive","sentiment_score":0.5338658690452576},{"text":"And that should be the last one.","start":1303.445,"end":1305.625,"sentiment":"positive","sentiment_score":0.36118022884641376},{"text":"So once you've added the signature, it should say validate, I believe.","start":1306.325,"end":1310.37,"sentiment":"neutral","sentiment_score":0.19184457634886107}],"sentiment":"neutral","sentiment_score":0.26488435126486276,"channel":0,"num_words":21,"start":1301.125,"end":1310.37},{"sentences":[{"text":"Yeah.","start":1311.42,"end":1311.9,"sentiment":"neutral","sentiment_score":0.113374263048172},{"text":"I'm just going into the sewing signature.","start":1311.9,"end":1313.92,"sentiment":"neutral","sentiment_score":0.0766944523368563}],"sentiment":"neutral","sentiment_score":0.08127942867577076,"channel":1,"num_words":8,"start":1311.42,"end":1313.92},{"sentences":[{"text":"Yes.","start":1314.93,"end":1315.41,"sentiment":"neutral","sentiment_score":0.11516613513231276},{"text":"Yep.","start":1315.41,"end":1315.65,"sentiment":"neutral","sentiment_score":0.11169885098934174},{"text":"That's the correct place.","start":1315.65,"end":1316.95,"sentiment":"neutral","sentiment_score":0.1463952213525772}],"sentiment":"neutral","sentiment_score":0.13540764525532722,"channel":0,"num_words":6,"start":1314.93,"end":1316.95},{"sentences":[{"text":"Yep.","start":1317.385,"end":1317.885,"sentiment":"neutral","sentiment_score":0.08228367567062378},{"text":"Yeah.","start":1318.1849,"end":1318.6849,"sentiment":"neutral","sentiment_score":0.09554655849933624}],"sentiment":"neutral","sentiment_score":0.08891511708498001,"channel":1,"num_words":2,"start":1317.385,"end":1318.6849},{"sentences":[{"text":"And it should ask you to draw yep.","start":1322.85,"end":1325.835,"sentiment":"neutral","sentiment_score":0.10491264145821333}],"sentiment":"neutral","sentiment_score":0.10491264145821333,"channel":0,"num_words":8,"start":1322.85,"end":1325.835},{"sentences":[{"text":"Updated.","start":1326.265,"end":1326.765,"sentiment":"neutral","sentiment_score":0.12338574975728989},{"text":"Yep.","start":1327.145,"end":1327.625,"sentiment":"neutral","sentiment_score":0.08832158893346786},{"text":"Validate.","start":1327.625,"end":1328.125,"sentiment":"neutral","sentiment_score":0.12979882955551147},{"text":"Yep.","start":1328.265,"end":1328.765,"sentiment":"neutral","sentiment_score":0.11190880835056304}],"sentiment":"neutral","sentiment_score":0.11335374414920807,"channel":1,"num_words":4,"start":1326.265,"end":1328.765},{"sentences":[{"text":"Yes.","start":1328.855,"end":1329.355,"sentiment":"neutral","sentiment_score":0.18793439865112305},{"text":"Perfect.","start":1329.495,"end":1329.995,"sentiment":"positive","sentiment_score":0.3452843427658081},{"text":"And when you press validate, sometimes it takes a minute","start":1331.1749,"end":1334.075,"sentiment":"neutral","sentiment_score":0.08845202662050725}],"sentiment":"neutral","sentiment_score":0.11814491730183363,"channel":0,"num_words":12,"start":1328.855,"end":1334.075},{"sentences":[{"text":"Yeah.","start":1334.14,"end":1334.4601,"sentiment":"neutral","sentiment_score":0.056573644280433655}],"sentiment":"neutral","sentiment_score":0.056573644280433655,"channel":1,"num_words":1,"start":1334.14,"end":1334.4601},{"sentences":[{"text":"to","start":1334.2949,"end":1334.535,"sentiment":"neutral","sentiment_score":0.02889169380068779}],"sentiment":"neutral","sentiment_score":0.02889169380068779,"channel":0,"num_words":1,"start":1334.2949,"end":1334.535},{"sentences":[{"text":"It's","start":1334.4601,"end":1334.8601,"sentiment":"neutral","sentiment_score":0.06543473899364471}],"sentiment":"neutral","sentiment_score":0.06543473899364471,"channel":1,"num_words":1,"start":1334.4601,"end":1334.8601},{"sentences":[{"text":"load.","start":1334.535,"end":1335.035,"sentiment":"neutral","sentiment_score":0.07547518610954285}],"sentiment":"neutral","sentiment_score":0.07547518610954285,"channel":0,"num_words":1,"start":1334.535,"end":1335.035},{"sentences":[{"text":"loading loading now.","start":1334.8601,"end":1336.3,"sentiment":"neutral","sentiment_score":0.0910052905480067}],"sentiment":"neutral","sentiment_score":0.0910052905480067,"channel":1,"num_words":3,"start":1334.8601,"end":1336.3},{"sentences":[{"text":"Yeah.","start":1336.0549,"end":1336.5549,"sentiment":"neutral","sentiment_score":0.20080843567848208}],"sentiment":"neutral","sentiment_score":0.20080843567848208,"channel":0,"num_words":1,"start":1336.0549,"end":1336.5549},{"sentences":[{"text":"Yep.","start":1336.3,"end":1336.8,"sentiment":"neutral","sentiment_score":0.2905695140361786}],"sentiment":"neutral","sentiment_score":0.2905695140361786,"channel":1,"num_words":1,"start":1336.3,"end":1336.8},{"sentences":[{"text":"Perfect.","start":1337.1749,"end":1337.67,"sentiment":"positive","sentiment_score":0.528393030166626},{"text":"So, basically, what it does, it is just sending it back to me, and I can get that all uploaded for you.","start":1337.75,"end":1343.61,"sentiment":"positive","sentiment_score":0.37462947314435785},{"text":"It will also allow you to download a copy if you ever wanna go back and have a look at the documents.","start":1343.75,"end":1348.9701,"sentiment":"neutral","sentiment_score":0.29993942244486377}],"sentiment":"positive","sentiment_score":0.3415313051806556,"channel":0,"num_words":45,"start":1337.1749,"end":1348.9701},{"sentences":[{"text":"Oh, yeah.","start":1349.5149,"end":1350.255,"sentiment":"neutral","sentiment_score":0.24629497528076172}],"sentiment":"neutral","sentiment_score":0.24629497528076172,"channel":1,"num_words":2,"start":1349.5149,"end":1350.255},{"sentences":[{"text":"Yeah.","start":1351.03,"end":1351.27,"sentiment":"neutral","sentiment_score":0.28966426849365234},{"text":"So that's all there for you.","start":1351.27,"end":1352.87,"sentiment":"positive","sentiment_score":0.39627933502197266},{"text":"So, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you.","start":1352.87,"end":1363.3251,"sentiment":"neutral","sentiment_score":0.27412138832733035},{"text":"It's already in place with Super.","start":1363.3251,"end":1365.345,"sentiment":"neutral","sentiment_score":0.27487020939588547},{"text":"Otherwise, that was essentially everything that I needed to touch off on on my end.","start":1366.285,"end":1370.7101,"sentiment":"neutral","sentiment_score":0.22319815556208292}],"sentiment":"neutral","sentiment_score":0.2739403049151103,"channel":0,"num_words":60,"start":1351.03,"end":1370.7101},{"sentences":[{"text":"But do you have any other questions for me at this point, Richard?","start":1370.77,"end":1374.0701,"sentiment":"neutral","sentiment_score":0.05681343347980426}],"sentiment":"neutral","sentiment_score":0.05681343347980426,"channel":0,"num_words":13,"start":1370.77,"end":1374.0701},{"sentences":[{"text":"No.","start":1374.345,"end":1374.585,"sentiment":"neutral","sentiment_score":-0.15751913189888},{"text":"No.","start":1374.585,"end":1374.985,"sentiment":"neutral","sentiment_score":-0.18764805793762207},{"text":"Not not","start":1374.985,"end":1375.865,"sentiment":"neutral","sentiment_score":-0.2021195963025093}],"sentiment":"neutral","sentiment_score":-0.18735159561038017,"channel":1,"num_words":4,"start":1374.345,"end":1375.865},{"sentences":[{"text":"No.","start":1375.49,"end":1375.99,"sentiment":"neutral","sentiment_score":-0.2681734263896942}],"sentiment":"neutral","sentiment_score":-0.2681734263896942,"channel":0,"num_words":1,"start":1375.49,"end":1375.99},{"sentences":[{"text":"yet.","start":1375.865,"end":1376.1849,"sentiment":"neutral","sentiment_score":-0.2523060441017151},{"text":"What I'm thinking.","start":1376.1849,"end":1377.085,"sentiment":"neutral","sentiment_score":-0.16656648615996042}],"sentiment":"neutral","sentiment_score":-0.1880013756453991,"channel":1,"num_words":4,"start":1375.865,"end":1377.085},{"sentences":[{"text":"Yep.","start":1377.0901,"end":1377.5701,"sentiment":"neutral","sentiment_score":0.06206854805350304},{"text":"Alright.","start":1377.5701,"end":1377.9701,"sentiment":"neutral","sentiment_score":0.27819904685020447},{"text":"Beautiful.","start":1377.9701,"end":1378.4701,"sentiment":"positive","sentiment_score":0.471159964799881},{"text":"If you do, you know, just just let us know.","start":1378.61,"end":1381.7301,"sentiment":"neutral","sentiment_score":0.21019455790519714},{"text":"Just send us an email or give us a call.","start":1381.7301,"end":1384.005,"sentiment":"neutral","sentiment_score":0.10615070313215255}],"sentiment":"neutral","sentiment_score":0.17282087695987328,"channel":0,"num_words":23,"start":1377.0901,"end":1384.005},{"sentences":[{"text":"Or if anything changes for you and you ever wanna review your investments or insurances or anything, you can always just give us a call whenever you want","start":1384.245,"end":1392.505,"sentiment":"neutral","sentiment_score":0.15466074139944144}],"sentiment":"neutral","sentiment_score":0.15466074139944144,"channel":0,"num_words":28,"start":1384.245,"end":1392.505},{"sentences":[{"text":"That'd be great.","start":1393.045,"end":1394.025,"sentiment":"positive","sentiment_score":0.4577840069929759}],"sentiment":"positive","sentiment_score":0.4577840069929759,"channel":1,"num_words":3,"start":1393.045,"end":1394.025},{"sentences":[{"text":"to.","start":1394.005,"end":1394.165,"sentiment":"neutral","sentiment_score":0.13259214162826538},{"text":"Yeah.","start":1394.165,"end":1394.665,"sentiment":"neutral","sentiment_score":0.31271785497665405},{"text":"No problem at all.","start":1394.885,"end":1395.685,"sentiment":"positive","sentiment_score":0.45740070939064026},{"text":"Well, I will let you go, and enjoy the rest of your evening there, Richard.","start":1395.685,"end":1399.45,"sentiment":"positive","sentiment_score":0.6660356521606445},{"text":"And anything you need, just let us know.","start":1399.45,"end":1401.39,"sentiment":"positive","sentiment_score":0.40044231340289116}],"sentiment":"positive","sentiment_score":0.5334133146138027,"channel":0,"num_words":29,"start":1394.005,"end":1401.39},{"sentences":[{"text":"Yeah.","start":1401.525,"end":1401.765,"sentiment":"positive","sentiment_score":0.4457533359527588},{"text":"Thank you very much for your","start":1401.765,"end":1402.885,"sentiment":"positive","sentiment_score":0.7812782724698385}],"sentiment":"positive","sentiment_score":0.7333461386816842,"channel":1,"num_words":7,"start":1401.525,"end":1402.885},{"sentences":[{"text":"Okay.","start":1402.8099,"end":1403.3099,"sentiment":"positive","sentiment_score":0.5037376880645752}],"sentiment":"positive","sentiment_score":0.5037376880645752,"channel":0,"num_words":1,"start":1402.8099,"end":1403.3099},{"sentences":[{"text":"time.","start":1402.885,"end":1403.385,"sentiment":"positive","sentiment_score":0.6276910305023193}],"sentiment":"positive","sentiment_score":0.6276910305023193,"channel":1,"num_words":1,"start":1402.885,"end":1403.385},{"sentences":[{"text":"No worries.","start":1403.85,"end":1404.4099,"sentiment":"neutral","sentiment_score":0.29447323083877563},{"text":"You","start":1404.4099,"end":1404.65,"sentiment":"neutral","sentiment_score":0.23479719460010529}],"sentiment":"neutral","sentiment_score":0.27458121875921887,"channel":0,"num_words":3,"start":1403.85,"end":1404.65},{"sentences":[{"text":"Alright.","start":1404.5449,"end":1405.0449,"sentiment":"neutral","sentiment_score":0.2596605718135834}],"sentiment":"neutral","sentiment_score":0.2596605718135834,"channel":1,"num_words":1,"start":1404.5449,"end":1405.0449},{"sentences":[{"text":"too.","start":1404.65,"end":1404.89,"sentiment":"positive","sentiment_score":0.35370689630508423},{"text":"Thanks.","start":1404.89,"end":1405.39,"sentiment":"positive","sentiment_score":0.6295740604400635},{"text":"Bye.","start":1405.85,"end":1406.35,"sentiment":"positive","sentiment_score":0.3662011623382568}],"sentiment":"positive","sentiment_score":0.4498273730278015,"channel":0,"num_words":3,"start":1404.65,"end":1406.35},{"sentences":[{"text":"Bye.","start":1408.705,"end":1409.0399,"sentiment":"neutral","sentiment_score":-0.12339051812887192}],"sentiment":"neutral","sentiment_score":-0.12339051812887192,"channel":1,"num_words":1,"start":1408.705,"end":1409.0399}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Richard to confirm personal information and review his annual review. They discuss his financial situation, property, and personal information, including his retirement plans and estate planning. The representatives emphasize reducing risk and staying in a high growth portfolio for maximum returns. They provide detailed instructions for reviewing and signing documents, providing information on investment portfolios and risk tolerance, and providing advice on changing investments and staying happy with them. They also provide performance reports and provide information on signing and updating insurance information."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":47,"end_word":76,"intents":[{"intent":"Inform about call recording","confidence_score":0.006752889}]},{"text":"And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Richard Moore.","start_word":78,"end_word":110,"intents":[{"intent":"Confirm identity","confidence_score":0.84963995},{"intent":"Confirm information","confidence_score":0.023661602}]},{"text":"Well, I will try not to keep you for too long. I'll try to make it quick for you, Richard.","start_word":129,"end_word":148,"intents":[{"intent":"Express desire to keep call","confidence_score":0.00028257715}]},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that right? Yep.","start_word":255,"end_word":277,"intents":[{"intent":"Inquire about financial dependence","confidence_score":0.030726124}]},{"text":"Income at about 01:20, or has that changed? It's probably going up a little bit now. Yeah.","start_word":424,"end_word":440,"intents":[{"intent":"Determine income level","confidence_score":0.00022694182}]},{"text":"And how much are they worth? Did you know?","start_word":701,"end_word":709,"intents":[{"intent":"Determine amount of debt","confidence_score":0.00038788927}]},{"text":"And did you take a a loan or anything for them, or did you Yeah.","start_word":724,"end_word":738,"intents":[{"intent":"Address battery backup/loan","confidence_score":5.0507634e-8},{"intent":"Confirm eligibility of loan","confidence_score":0.0004841352}]},{"text":"What I can do is I can get the team to resend them to you. Do Yes.","start_word":932,"end_word":948,"intents":[{"intent":"Confirm resend","confidence_score":0.00047392605}]},{"text":"Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and I just sorta understand them a bit more, the legally Yep. sort of it.","start_word":1006,"end_word":1049,"intents":[{"intent":"Answer questions","confidence_score":0.01501482},{"intent":"Understand forms","confidence_score":0.32909027}]},{"text":"Explaining If you do in have Cayman terms to me. yeah.","start_word":1088,"end_word":1098,"intents":[{"intent":"Explain cayman terms","confidence_score":0.27299362}]},{"text":"Now, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property. Otherwise, just kinda focusing on reducing the mortgage as much as possible. Is that still Yeah.","start_word":1134,"end_word":1191,"intents":[{"intent":"Focus on superannuation","confidence_score":0.0067026243}]},{"text":"Otherwise, just kinda focusing on reducing the mortgage as much as possible.","start_word":1176,"end_word":1187,"intents":[{"intent":"Reduce mortgage","confidence_score":0.5952664}]},{"text":"And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in Yep. regards to fluctuations and how you feel about market movements. Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer? No.","start_word":1228,"end_word":1298,"intents":[{"intent":"Inquire about financial level","confidence_score":0.0004945724}]},{"text":"Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations.","start_word":1772,"end_word":1795,"intents":[{"intent":"Ensure market availability","confidence_score":0.0009785477}]},{"text":"In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market. Yep.","start_word":1795,"end_word":1820,"intents":[{"intent":"Determine growth portfolio duration","confidence_score":0.004873232}]},{"text":"And if anything My wife's gotta work for another ten years after I retire anyway, so we should be alright. Yeah.","start_word":1960,"end_word":1980,"intents":[{"intent":"Determine future plans","confidence_score":0.06674009},{"intent":"Determine future plans","confidence_score":0.18203096}]},{"text":"If anything does change, we can always reassess at HTS. So, obviously, the closer you get, if you Yeah.","start_word":1983,"end_word":2001,"intents":[{"intent":"Consider reassessing asset","confidence_score":0.00004090545}]},{"text":"Now, Richard, do you have access to your emails at the moment? Yep.","start_word":2044,"end_word":2056,"intents":[{"intent":"Confirm access to documents","confidence_score":0.1871661}]},{"text":"Now, Richard, do you have access to your emails at the moment? Yep. Yep. Okay. So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time.","start_word":2044,"end_word":2095,"intents":[{"intent":"Provide email","confidence_score":0.0033946144}]},{"text":"The first one should The first one should say summary of superannuation Yeah.","start_word":2166,"end_word":2178,"intents":[{"intent":"Analyze superannuation coverage","confidence_score":0.019211302}]},{"text":"And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market. Yeah.","start_word":2875,"end_word":2904,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.0011020892}]},{"text":"Now, Richard, there is no changes whatsoever in regards to the fee structure for you. It stays Yep.","start_word":3248,"end_word":3265,"intents":[{"intent":"Understand fee structure and signature","confidence_score":0.000012793793}]},{"text":"So, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you.","start_word":3477,"end_word":3508,"intents":[{"intent":"Update insurance form","confidence_score":0.33056474}]},{"text":"But do you have any other questions for me at this point, Richard?","start_word":3530,"end_word":3542,"intents":[{"intent":"Provide assistance","confidence_score":0.023164207}]}]},"sentiments":{"segments":[{"text":"Hello. Richard speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03888215497136116},{"text":"Good afternoon, Richard.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3678496479988098},{"text":"This is Veronica from Oakview Financial. How are you? Yeah. Not bad. How are you?","start_word":6,"end_word":20,"sentiment":"neutral","sentiment_score":0.2662355303764343},{"text":"Good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for Yep.","start_word":21,"end_word":43,"sentiment":"positive","sentiment_score":0.44250649213790894},{"text":"you? Yep.","start_word":44,"end_word":45,"sentiment":"neutral","sentiment_score":0.21370325982570648},{"text":"Perfect.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.4392271637916565},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I'm speaking with the right person, for security purposes, could I please get you to confirm your full name, date of birth, and address for me, please? Richard Moore. 4477449 Buck Street, Gunline, New South Wales 2380. Perfect. And how's your day been? Been Yep. busy? Very. Well, I will try not to keep you for too long. I'll try to make it quick for you, Richard. Yep. Before I go any further, I do like to start by asking as well if there is anything specific you are hoping to get out of the review today or any particular questions or just a bit of a catch up really and see where everything's at? No. No. I think you see them pretty No. much. Yeah. Yep. Alright. Perfect. So what I will do is just quickly run through a bit of an updated fact find with you just to see if there is anything major that has changed and if we need to make any tweaks and changes to your advice. Nope. Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that right? Yep. Nice and no. I've got kids. Yeah. Are they still financially dependent on you, or are they older? No. They're young young. It's always been like Okay. Perfect. And how old are they? that. Well, I've got a 19 year old, but he's he's got his own job. And Yep. I've got a thirty year now, David, 30. And what's that? 12. Beautiful. Sorry. Kind of two still relying on you financially? Yep. Yep. Perfect. Now next up, Ken, I have here Kyla nominated. That's still the case as well? And was that? Next up, Ken, I have your wife nominated. Is that Yep. the case? That hasn't changed. And her phone number hasn't changed. It's still the same. Yep.","start_word":47,"end_word":397,"sentiment":"neutral","sentiment_score":0.02634386135599552},{"text":"Beautiful.","start_word":398,"end_word":398,"sentiment":"positive","sentiment_score":0.4437206387519837},{"text":"Occupation wise, are you still working as a boilermaker supervisor, or has No. any of that Yep. changed? No. Still Yep. the same. Same. Perfect. Income at about 01:20, or has that changed? It's probably going up a little bit now. Yeah. How much I would say would you think? well, it's hard to say. It's but it's probably going up to $1.30, but it can About be one more. 30. Yep. Alright. Perfect. I'll put roughly $1.30. Asset wise, I have here your property was last tied at about 580,000. Yeah. Yeah. Is It's that still probably okay? about the same still. Yeah. Perfect. And mortgage about $1.80? Yep. I have three motor vehicle combined value at about $1.20. Yep. Perfect. 15 owing combined. Yep. Pardon? 15,000 owing combined on on all three. Does that sound about right? It's probably a little bit more. I'm sorry. Mhmm. It'd be around 25. About 25. Perfect. Do you Oh, yeah. It was no. It wouldn't be that much. Probably only No? be at 20. About 20? Okay. Yeah. And do you still have the caravan? Yep. Yep. Still about 50 with about 28 owing. Yeah. Yeah. I was probably a Yep. little bit I was probably about 25 now. About 25. Great. Probably less than that. But yeah. Yep. And then about 2,000 in ZipPay. Yeah. Yep. Perfect. Any other assets? Anything else that's changed for you? No. Not really. No. Not easy. Now health and lifestyle wise, has any have you had any changes to your health or injuries or issues or No. anything I in put the last I twelve put months? I put batteries on, actually. Batteries? Yeah. The solar battery backup Ah, yes. Yes. Yes. on the battery, you know, you know, since we're all going Perfect. green. Yes. And how much are they worth? Did you know? I think it went through with the missus or something like $25. Okay.","start_word":399,"end_word":722,"sentiment":"neutral","sentiment_score":0.019641195167356205},{"text":"Perfect.","start_word":723,"end_word":723,"sentiment":"positive","sentiment_score":0.472301721572876},{"text":"And did you take a a loan or anything for them, or did you Yeah. guys pay them? It's one of them. Yeah. My wife got a loan through her name. Okay. Let's get it done. Yeah. I'm not quite sure Yep. what's through that's through. No. That's all good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place, Richard? No. Not yet. I'm not going Nope. anywhere yet, I hope.","start_word":724,"end_word":807,"sentiment":"neutral","sentiment_score":0.038540322333574295},{"text":"That's all good. And I can see here, sir, for your superannuation, in the event that something woulda happened to you, that that goes a 100% to your wife.","start_word":808,"end_word":836,"sentiment":"positive","sentiment_score":0.3956259787082672},{"text":"That's still Yep. correct for you as well? Yep.","start_word":837,"end_word":845,"sentiment":"neutral","sentiment_score":0.2127915918827057},{"text":"Beautiful.","start_word":846,"end_word":846,"sentiment":"positive","sentiment_score":0.3673557937145233},{"text":"Yep. Now I can see here that we don't I'm out of. Is that a while Yes. I think it was a little ago? while ago. Yes. I think it was a little while ago. Yeah. I think that was something about the wheel and something like that. And I was getting I was gonna get one of my girls that worked up and look it up for me because I wasn't Yep. just quite sure about a few wordings. Okay. Yeah. No. That's okay. What I can do is I can get the team to resend them to you. Do Yes. you If you could, have please. sure. Do you have access to a printer, or do you prefer Yep. post? Yeah. Yeah. Yep. Printer. I don't wanna Alright. So work. I'll get Yeah. yeah. I'm pretty sure Perfect. I'll print them off last time. Yeah. Alright. I'll just get them to email that to you again. Do you have any questions at like, on top of your head in regards to those forms, or was it just a matter of kind of reading through them and I just sorta understand them a bit more, the legally Yep. sort of it. That's all. Because Yeah. one of our girls used to work at solicitors. I'm not Oh, I was perfect. just gonna get over. Have you on How's the road it about been? Yep. it. She'll Okay. understand Perfect. it. Explaining If you do in have Cayman terms to me. yeah. And if you do have any questions or she has any questions in regards to it or want me to explain it further, just just let me know. Okay? Yep. Will do. Yeah.","start_word":847,"end_word":1131,"sentiment":"neutral","sentiment_score":0.033181135565565345},{"text":"Alright. Beautiful.","start_word":1132,"end_word":1133,"sentiment":"positive","sentiment_score":0.452014297246933},{"text":"Now, otherwise, I guess, goal stuff that you are working towards, I can see here that last time we spoke to you, your main focus was to pretty much take things pretty easy, maybe have a look at moving to another property. Otherwise, just kinda focusing on reducing the mortgage as much as possible. Is that still Yeah. kind of the main priority Yeah. for you? Just trying to get out of here, you know, get those last few bills paid off, get rid of this mortgage, and then Yep. yeah.","start_word":1134,"end_word":1224,"sentiment":"neutral","sentiment_score":0.06354102492332458},{"text":"Perfect.","start_word":1225,"end_word":1225,"sentiment":"positive","sentiment_score":0.38128527998924255},{"text":"Alright.","start_word":1226,"end_word":1226,"sentiment":"neutral","sentiment_score":0.2951739430427551},{"text":"Good.","start_word":1227,"end_word":1227,"sentiment":"positive","sentiment_score":0.33735835552215576},{"text":"And when it comes to your superannuation and how your money is invested, I'll do quickly go through just a couple of multiple choice questions just to see if anything has changed with your risk tolerance in Yep. regards to fluctuations and how you feel about market movements. Now at the moment, are you planning on accessing super at 60, or do you think you'll work a little bit longer? No. I hope that I I probably get it at 60. Yeah. Perfect. And I have here that, ideally, you would love to draw about $800 per week from super Yes. at that time. Yeah. Yep. Okay. Perfect. Yep. And when it comes to the level of risk that you are comfortable with taking for your superannuation, are you willing to accept very high risk, high moderates, or a small amount of risk for your superannuation? Hello. I was probably getting moderate. Just Moderate? for just get you timed at the moment, I think.","start_word":1228,"end_word":1391,"sentiment":"neutral","sentiment_score":0.04015067083443083},{"text":"Okay. Perfect.","start_word":1392,"end_word":1393,"sentiment":"positive","sentiment_score":0.47837403416633606},{"text":"So just reducing that a little bit. And when it comes to fluctuations, if you placed an investment and found that the investment had dropped in value, Would you think that if you had the option to do so, now is potentially a good time to put a little bit more money in while the prices are down? Do you think you would rather just kind of hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? Probably no.","start_word":1394,"end_word":1492,"sentiment":"neutral","sentiment_score":-0.08281715959310532},{"text":"It's been hard to lose.","start_word":1493,"end_word":1497,"sentiment":"negative","sentiment_score":-0.4083062708377838},{"text":"Whatever, guys. Yeah. It comes back up. So, yeah, for this Just kind of hold it and see yeah. Just sort of hold depending. it. Yep. Yeah. Okay.","start_word":1498,"end_word":1525,"sentiment":"neutral","sentiment_score":-0.024388572201132774},{"text":"Perfect.","start_word":1526,"end_word":1526,"sentiment":"positive","sentiment_score":0.3645327687263489},{"text":"Now would you ever consider taking out a loan to buy an investment property? Not me. I wouldn't. No. No. That's all good. Now, Richard, that basically tells me here that you have come out a little bit more defensive than how we currently have you invested in. So Yeah. at the moment, we have you invested in a high growth portfolio, and you have come out kind Yep. of as more of your growth kind of borderline balance growth investors. Yep. Do you know the difference between those at Not really. all? Nope. That's all good. Now, essentially, a high growth investor is someone that's looking at getting as much growth as you possibly can out of super while you Yep. still have plenty of time until retirement. Yep. Also, someone who is comfortable with and understand that there will be some fluctuations in the short term in order to achieve that growth in the long term. Yeah. So when we are talking about how the money is invested in a high growth portfolio, we typically see about 90% invested in what we would call your growth assets. Now this is a combination of Australian shares, international shares, and property as well, and that is what's going to maximize those returns for you over the long term. And then you do have about 10% in defensive. So that is like your cash, your gold, your fixed interest limit fluctuations a little bit. Yep. Now, also, when it comes to a time frame, so we wanna make sure we have enough time in the market for those fluctuations. In a high growth portfolio, we typically want to see about eight years until retirement to make sure you have enough time in the market. Yep. Now one step down, so a growth portfolio, it is fairly similar, but it's about a 10% difference. So you then look at about 80% in growth and 20 in defensive, so 10% more in defensive. So Yeah. the difference between that is that in your growth portfolio, you might not have as much fluctuations as you do in a higher growth. Yep. But then on the long term, you might not have as high returns at the same time. Yeah. So A what growth am I in price now? I'm in the high growth, yeah. am I? You are in the high growth. Yes. Yeah. I might just keep it like that. Keep it like that. Yep. No. That's Yeah. okay. It's And you still have that eight years, you know, until you can get the money. yeah. And if anything My wife's gotta work for another ten years after I retire anyway, so we should be alright. Yeah. Perfect. No. If anything does change, we can always reassess at HTS. So, obviously, the closer you get, if you Yeah. then wanna start looking at reducing that, we can do that. But, otherwise, I will leave that in that high growth for now. And like I said, if you ever change your mind, you can just let us know. Yes. Yep.","start_word":1527,"end_word":2042,"sentiment":"neutral","sentiment_score":0.07164785138858382},{"text":"Perfect.","start_word":2043,"end_word":2043,"sentiment":"positive","sentiment_score":0.3628236651420593},{"text":"Now, Richard, do you have access to your emails at the moment? Yep. Yep. Okay. So I have just sent you an email with some documents to run through quickly, and it just makes it a little bit easier for you if you are able to see that at the same time. Yep. Now let me know. So it should ask you to click on a link. It will allow you to look at all the documents first, though, just to make sure you are happy before it prompts you to sign anything. What's the SAW document? Yes. Yep. If Yep. you press that one, it should open up a couple of attachments. Well, Doesn't let me know what you can see. The first one should The first one should say summary of superannuation Yeah. I see. and Yeah. insurance. Yep. Oh, yeah. You can see that one? Yep. That's Yep. yeah. What what does it say? A summary separation insertion. Yep.","start_word":2044,"end_word":2205,"sentiment":"neutral","sentiment_score":0.12939649034452474},{"text":"Perfect.","start_word":2206,"end_word":2206,"sentiment":"positive","sentiment_score":0.43494582176208496},{"text":"Yep. So that one here gives you a bit of a breakdown of your super and your Now I did have a quick look at your super balance as of last year as well just to see for that comparison for you. And when we spoke doing that in review last year, your super balance was at a 135,993. And you can see that it's now up at a 149,721. Yes. Now underneath that, you then also have your ClearView insurance, and you have your life and total permanent disability insurance, and that is covering you for 327,069 if something were to happen. Yep. Are you still comfortable with the level of cover you have for life and TPD, or or what are your thoughts on that? No. That's yeah. Still pretty That good, I reckon.","start_word":2207,"end_word":2342,"sentiment":"neutral","sentiment_score":0.07544244080781937},{"text":"that's pretty good.","start_word":2343,"end_word":2345,"sentiment":"positive","sentiment_score":0.5086092352867126},{"text":"Yep.","start_word":2346,"end_word":2346,"sentiment":"neutral","sentiment_score":0.2970728278160095},{"text":"Beautiful.","start_word":2347,"end_word":2347,"sentiment":"positive","sentiment_score":0.4862176477909088},{"text":"Now you then also have an income protection policy, and that will pay you a monthly amount of $7,631 per month, which pretty much adds up very close to the income of the 130, which would be about 7,583. So pretty spot on with the monthly benefit amount. Yep. You do have that ninety day waiting period and a two year benefit period. Do you have any questions in regards to the income protection or wanting to make any Thanks. changes or still happy Yeah. Still pretty happy. I still with cover that? everything. Yep. What's going on? Yes. Yep.","start_word":2348,"end_word":2447,"sentiment":"neutral","sentiment_score":0.15995073318481445},{"text":"Beautiful.","start_word":2448,"end_word":2448,"sentiment":"positive","sentiment_score":0.4078400135040283},{"text":"Now you have all those three structured from within superannuation. You do get a 15% tax rebate, and the premium for those three is 6,595. So, obviously, the insurances does get more more expensive the older you get. Yep. You're still happy with all your insurances and everything? Yeah. Yep. Okay.","start_word":2449,"end_word":2499,"sentiment":"neutral","sentiment_score":0.12716151773929596},{"text":"Beautiful.","start_word":2500,"end_word":2500,"sentiment":"positive","sentiment_score":0.4893573820590973},{"text":"Now next document for me, Richard, should be a performance report with Net Wealth. Yep. Yep. Now you have two added there for you. So one is twelve months, and one is three months. And that is just to show the change that we did make to one of your investments. So I'm not sure if you remember receiving an email from us back in March in regards to changing one of the investments for you. Yeah. I It did was save an email there. Yeah. Yep.","start_word":2501,"end_word":2587,"sentiment":"neutral","sentiment_score":0.03477739542722702},{"text":"Perfect.","start_word":2588,"end_word":2588,"sentiment":"positive","sentiment_score":0.4573094844818115},{"text":"So if you look at the twelve month report first, it should be the first one. The one that we did change for you so the investment committee does a lot of research, obviously, on all the investments all the time. And if there is an investment that is slightly underperforming and we foresee it not being the best investment option for you moving forward, we do wanna take that kind of proactive approach in swapping things for you and Yep. making sure that your super and everything continues to grow. K. That all make sense? Yep. Yep. Yeah. Yeah.","start_word":2589,"end_word":2688,"sentiment":"neutral","sentiment_score":0.14405496418476105},{"text":"Beautiful.","start_word":2689,"end_word":2689,"sentiment":"positive","sentiment_score":0.4235906600952149},{"text":"So, I wanna basically go off, not damn. correct. So on the twelve month report here, you can see that there was only one investment that was underperforming or was down. Everything else was doing good, and that was the Benelong Australian Equity Investment, Yeah. so which is the one we changed for you. So then on the next document, the three month period, you can then kind of see the change, and you can see that when having a look at that one, you no longer had the Benelung investment, and instead, you had that substitute of the BetaShares Australia two 100, which is positive and going up, which is good. Yep. Yep. Any questions in regards to any of that? Well, that's pretty straightforward. Please. Can you put me Makes ahead around sense. that? Yeah. No. That's all good. Essentially, we just take that one investment, and that was one Australian investment for another Australian investment. Yep.","start_word":2690,"end_word":2848,"sentiment":"neutral","sentiment_score":0.12175637483596802},{"text":"The beta share is performing a bit better than the Bennelong, which is great. It's a little bit cheaper as well, which again is good.","start_word":2849,"end_word":2873,"sentiment":"positive","sentiment_score":0.5257965922355652},{"text":"And it is more diversified in that the Bennelong, so your old investment, was kind of focusing on actively buying and selling investments to try to outperform the market. Yeah. Whereas the new one, it's kind of tracking the 200 largest companies in Australia. So very diversified, and if there is a bit of to one company, it won't impact it as much because you do have 200 different companies within just the one investment. Does Oh, that yeah. kind of make sense? Yeah. Yeah. Yeah. Yep. Yep.","start_word":2874,"end_word":2961,"sentiment":"neutral","sentiment_score":0.1418757140636444},{"text":"Beautiful.","start_word":2962,"end_word":2962,"sentiment":"positive","sentiment_score":0.6413528919219971},{"text":"Now the next document for me there, which should should be your certificate of currency, or it's a Vanguard index charge. Yep. What can you see? Lots of numbers. So it's probably the Clearview one for you. It basically just breaks down your insurances in a bit more information, lets you know that's all paid and up to date for you. Yep. Yep.","start_word":2963,"end_word":3025,"sentiment":"neutral","sentiment_score":0.17219386994838717},{"text":"Beautiful.","start_word":3026,"end_word":3026,"sentiment":"positive","sentiment_score":0.5247330665588379},{"text":"And if you wanna click next for me. Yep. More numbers. Yep. Yep. And what does it say at the top? Is that pink and says clear view? It says net wealth. Asset performance details. Okay. Yep. So you're kind of still on that report, the one we just Oh, kinda yeah. I know went through. the the next one, next document. Yes, please. Yes. Oh, yep. Certificate of currency. Yeah. Clearview. So this is the Yep. one that shows your insurances again in more information. Now if you can press next for me. Yeah. I view services guide. Yep. You probably have seen this a few times. It is one of those compliance documents. But it basically gives you all the important information in regards to us here at Oakview. None of the important information has changed. You can have a bit of a read through all the directors, our advisers, and everybody in there, but I'll let you do that in your own time so I don't keep you for too long. Yep. Now if you wanna press next for me, Richard. Yep. Yep. What can you see now? Net wealth, advice fees, concert renewal. Yep.","start_word":3027,"end_word":3224,"sentiment":"neutral","sentiment_score":0.056490734219551086},{"text":"So this is your ongoing service agreement, Yep. which is just to say that you are happy to stay on as a client.","start_word":3225,"end_word":3247,"sentiment":"positive","sentiment_score":0.5930732488632202},{"text":"Now, Richard, there is no changes whatsoever in regards to the fee structure for you.","start_word":3248,"end_word":3262,"sentiment":"neutral","sentiment_score":0.1483408659696579},{"text":"It stays Yep.","start_word":3263,"end_word":3265,"sentiment":"positive","sentiment_score":0.3347534239292145},{"text":"exactly the same at that 1.65 from super, but no changes at all in regards to that. And it Yep. is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.","start_word":3266,"end_word":3310,"sentiment":"neutral","sentiment_score":0.10350921005010603},{"text":"But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime.","start_word":3311,"end_word":3331,"sentiment":"positive","sentiment_score":0.3422505855560303},{"text":"Yep. Yep. So if you're happy to do so, this one here will ask for your signature at the bottom. Yep. Yep.","start_word":3332,"end_word":3353,"sentiment":"neutral","sentiment_score":0.14530467987060547},{"text":"Perfect. And that should be the last one.","start_word":3354,"end_word":3361,"sentiment":"positive","sentiment_score":0.3857411444187164},{"text":"So once you've added the signature, it should say validate, I believe. Yeah. I'm just going into the sewing signature. Yes. Yep. That's the correct place. Yep. Yeah. And it should ask you to draw yep. Updated. Yep. Validate. Yep. Yes.","start_word":3362,"end_word":3402,"sentiment":"neutral","sentiment_score":0.12565267086029053},{"text":"Perfect.","start_word":3403,"end_word":3403,"sentiment":"positive","sentiment_score":0.3452843427658081},{"text":"And when you press validate, sometimes it takes a minute Yeah. to It's load. loading loading now. Yeah. Yep.","start_word":3404,"end_word":3422,"sentiment":"neutral","sentiment_score":0.11129237711429596},{"text":"Perfect. So, basically, what it does, it is just sending it back to me, and I can get that all uploaded for you.","start_word":3423,"end_word":3445,"sentiment":"positive","sentiment_score":0.3789980113506317},{"text":"It will also allow you to download a copy if you ever wanna go back and have a look at the documents. Oh, yeah. Yeah.","start_word":3446,"end_word":3470,"sentiment":"neutral","sentiment_score":0.2938075661659241},{"text":"So that's all there for you.","start_word":3471,"end_word":3476,"sentiment":"positive","sentiment_score":0.3943351209163666},{"text":"So, basically, after the call as well, I will get the team in the next few days to email you that insurance form just so we can get that updated for you. It's already in place with Super. Otherwise, that was essentially everything that I needed to touch off on on my end. But do you have any other questions for me at this point, Richard? No. No. Not not No. yet. What I'm thinking. Yep. Alright.","start_word":3477,"end_word":3553,"sentiment":"neutral","sentiment_score":0.1513320654630661},{"text":"Beautiful.","start_word":3554,"end_word":3554,"sentiment":"positive","sentiment_score":0.471159964799881},{"text":"If you do, you know, just just let us know. Just send us an email or give us a call. Or if anything changes for you and you ever wanna review your investments or insurances or anything, you can always just give us a call whenever you want That'd be great. to. Yeah.","start_word":3555,"end_word":3607,"sentiment":"neutral","sentiment_score":0.1898483454056506},{"text":"No problem at all. Well, I will let you go, and enjoy the rest of your evening there, Richard. And anything you need, just let us know. Yeah. Thank you very much for your Okay. time.","start_word":3608,"end_word":3643,"sentiment":"positive","sentiment_score":0.5748608112335205},{"text":"No worries. You Alright.","start_word":3644,"end_word":3647,"sentiment":"neutral","sentiment_score":0.27244940400123596},{"text":"too. Thanks. Bye.","start_word":3648,"end_word":3650,"sentiment":"positive","sentiment_score":0.4378807842731476},{"text":"Bye.","start_word":3651,"end_word":3651,"sentiment":"neutral","sentiment_score":0.28254199028015137}],"average":{"sentiment":"neutral","sentiment_score":0.09585729013575184}}}}