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I've got the we're doing a bit of work from home with all the fuel prices and everything, so you might hear the baby in the background. That's all. That's fantastic. Fantastic. Mate, I'm just gonna do a quick little security check with you. So basically today, had a couple of questions on the insurances that we were kind of holding off on for a little while. If that rings a bell. Beauty. So I just need to double check date of birth and address with you. Fantastic. So, basically, when it comes to the insurances, we had there was the the previous health conditions with the shoulder and everything, surgeries and so on. And we've gotten word from insurers to basically hold off until it was twelve months. You've got 40,000 worth of life and disability insurance with ARC, and we were doing a bit of a top up to a 100,000 with possibly Neos or Encompass and a bit of income protection on top of that. Now good news is your birthday's not come up till end of August, So we've got a bit of time in terms of pricing. Perfect. Now we were expecting that if we got that through, there'd probably be some exclusions for the previous conditions and things like that in terms of that sort of thing. So what I wanted to check with you today was a couple of things. One, do you still want me to try and give them a call and see if they're still gonna offer essentially the same thing that we talked about? And do you still wanna go through that application? Cool. No. No. My honest opinion is two things. So I've already done the figures to make sure the premiums aren't too expensive, so they're not gonna butcher you super. The only $50.50 question that I've got is we either get this new cover and it's got some exclusions on it, and the family got a bit extra behind them. That's great. The the question just comes back down to the ART Because if you cancel all that and consolidate the soup at the hub and you've got this policy there, you're gonna have that exclusion for the, you know, the shoulder and the forearm and so on that you can't claim on? Or do we just keep that going and run two policies so that you can claim in both scenarios? So you get a bit extra of insurance, but you also can still claim on those previous conditions with the cover that you do have. So it's really a question of yeah. Do we get the new policy and consolidate and have that risk as a trade off, or do we keep the RTC running for a little while longer? I agree. Yeah. Yep. And do you still want me to do the top up there? So get the extra cover on top. That's a 100,000 worth of life and disability insurance and a little bit of income protection. Through it'd probably be through Encompass is probably the only one. Yeah. So what I'll do is I'm gonna get the team to give them a buzz tomorrow, Monday, just to make sure that it's worth attempting. And then we basically just need to get you booked in to go through a personal statement. Do it off the application. They'll do all the doctor's reports and everything and take their time getting it back. If that goes through all good, we'll basically talk at the next review about what to do with ART at each point in the process. Yep. Yeah. And anything else in terms of, you know, cancer or heart attack or anything like that, that's all gonna be with the new one as well or both, actually? Yeah. You could claim on both. Was it the left shoulder that had the surgery or the right shoulder? Yeah. So that's the outcome we're after is they get specific on the one body part that was preexisting and all the other body parts, illnesses that covered everything else under the sun. Okay. Yeah. No. Ask as many questions as you need. I don't want you spending money on something that doesn't make sense or is it a benefit to you? Yeah. Yeah. Exactly right. Yeah. Awesome. I just wanted to double check it for you before we started trying to put you through paperwork. Cool. Alright. I'll do the calls. We'll get you booked in. Do you want me to kind of put in a bit of a booking tonight if you know when you're available? Yeah. That's awesome. So would I. So would I. So possible sometime between, like it'll be sometime Tuesday to Thursday next week that we do have some people that they're available late night. And Jack there, he'll look after you and do the application pretty quickly there. I'm hoping most of it can just go through the doctor's reports rather than sitting there asking you every question under the sun. I've got all the info that you told me previously, so I'm gonna try and pre bill most of it. But if he does have to ask a couple of questions, because it's this online application perhaps sometimes they go, hey. Plug in this, plug in that before you can hit submit. That will be the only thing. Awesome. If anything else pops up, I'll give you a buzz to let you know. But so far, as long as we get it all submitted in time sometime next week, they can do their doctor's report and everything, and and they've put on on the premium. I just don't want them to try and hype the price up because we got a birthday. Awesome, mate. Yeah. Go for it. Yep. Yeah. Correct. Yeah. In the interim, what we do is when I've got you booked in for that next annual review in a few months' time, we will basically just do a sweep across of anything that doesn't need to be in there for the insurances and roll it across, get it invested for you. But if we can close it, we will. But like I said, we'll maintain it for a little while longer. I'll keep moving a portion across next time we speak to you in the review. And yeah. Exactly. Right. Usually, I'll keep that 10,000 in there, and anything that builds up will move it across. How you doing? Alrighty. Well, leave me to it and just keep an ear out for a call mid to late next week. Awesome. And last thing too is I had a little check of the super just in case because obviously the world melted down like we thought it would after Christmas. And we had the bounce back, thank you. It went from 200 to $1.88. Yeah. The lowest is one eighty eight, and it's bounced back to two hundred and eight. So yeah. It mate, when the market goes up, this thing jumps $10.20, $30 pretty quickly, but it can also go down very quickly as well. So yeah. It's just time frame averages. You know? The the world goes up and down, but over a ten year period, it averages out, and that's what we're aiming for. Cool. Fantastic. Well, thank you for taking my call today, and I shall talk to you next week or the week after. Yeah. Dinner time, and I'll hit the hay, mate. Thank you so much. See you, Tony. Talk soon. 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good evening, sir. It's Tommy from. How you been? Living the dream. Living the dream.\n\nI do do apologize. I've got the we're doing a bit of work from home with all the fuel prices and everything, so you might hear the baby in the background. That's all. That's fantastic. Fantastic.\n\nMate, I'm just gonna do a quick little security check with you. So basically today, had a couple of questions on the insurances that we were kind of holding off on for a little while. If that rings a bell. Beauty. So I just need to double check date of birth and address with you.\n\nFantastic. So, basically, when it comes to the insurances, we had there was the the previous health conditions with the shoulder and everything, surgeries and so on. And we've gotten word from insurers to basically hold off until it was twelve months. You've got 40,000 worth of life and disability insurance with ARC, and we were doing a bit of a top up to a 100,000 with possibly Neos or Encompass and a bit of income protection on top of that. Now good news is your birthday's not come up till end of August, So we've got a bit of time in terms of pricing.\n\nPerfect. Now we were expecting that if we got that through, there'd probably be some exclusions for the previous conditions and things like that in terms of that sort of thing. So what I wanted to check with you today was a couple of things. One, do you still want me to try and give them a call and see if they're still gonna offer essentially the same thing that we talked about? And do you still wanna go through that application?\n\nCool. No. No. My honest opinion is two things. So I've already done the figures to make sure the premiums aren't too expensive, so they're not gonna butcher you super.\n\nThe only $50.50 question that I've got is we either get this new cover and it's got some exclusions on it, and the family got a bit extra behind them. That's great. The the question just comes back down to the ART Because if you cancel all that and consolidate the soup at the hub and you've got this policy there, you're gonna have that exclusion for the, you know, the shoulder and the forearm and so on that you can't claim on? Or do we just keep that going and run two policies so that you can claim in both scenarios? So you get a bit extra of insurance, but you also can still claim on those previous conditions with the cover that you do have.\n\nSo it's really a question of yeah. Do we get the new policy and consolidate and have that risk as a trade off, or do we keep the RTC running for a little while longer? I agree. Yeah. Yep.\n\nAnd do you still want me to do the top up there? So get the extra cover on top. That's a 100,000 worth of life and disability insurance and a little bit of income protection. Through it'd probably be through Encompass is probably the only one. Yeah.\n\nSo what I'll do is I'm gonna get the team to give them a buzz tomorrow, Monday, just to make sure that it's worth attempting. And then we basically just need to get you booked in to go through a personal statement. Do it off the application. They'll do all the doctor's reports and everything and take their time getting it back. If that goes through all good, we'll basically talk at the next review about what to do with ART at each point in the process.\n\nYep. Yeah. And anything else in terms of, you know, cancer or heart attack or anything like that, that's all gonna be with the new one as well or both, actually? Yeah. You could claim on both.\n\nWas it the left shoulder that had the surgery or the right shoulder? Yeah. So that's the outcome we're after is they get specific on the one body part that was preexisting and all the other body parts, illnesses that covered everything else under the sun. Okay. Yeah.\n\nNo. Ask as many questions as you need. I don't want you spending money on something that doesn't make sense or is it a benefit to you? Yeah. Yeah.\n\nExactly right. Yeah. Awesome. I just wanted to double check it for you before we started trying to put you through paperwork. Cool.\n\nAlright. I'll do the calls. We'll get you booked in. Do you want me to kind of put in a bit of a booking tonight if you know when you're available? Yeah.\n\nThat's awesome. So would I. So would I. So possible sometime between, like it'll be sometime Tuesday to Thursday next week that we do have some people that they're available late night. And Jack there, he'll look after you and do the application pretty quickly there.\n\nI'm hoping most of it can just go through the doctor's reports rather than sitting there asking you every question under the sun. I've got all the info that you told me previously, so I'm gonna try and pre bill most of it. But if he does have to ask a couple of questions, because it's this online application perhaps sometimes they go, hey. Plug in this, plug in that before you can hit submit. That will be the only thing.\n\nAwesome. If anything else pops up, I'll give you a buzz to let you know. But so far, as long as we get it all submitted in time sometime next week, they can do their doctor's report and everything, and and they've put on on the premium. I just don't want them to try and hype the price up because we got a birthday. Awesome, mate.\n\nYeah. Go for it. Yep. Yeah. Correct.\n\nYeah. In the interim, what we do is when I've got you booked in for that next annual review in a few months' time, we will basically just do a sweep across of anything that doesn't need to be in there for the insurances and roll it across, get it invested for you. But if we can close it, we will. But like I said, we'll maintain it for a little while longer. I'll keep moving a portion across next time we speak to you in the review.\n\nAnd yeah. Exactly. Right. Usually, I'll keep that 10,000 in there, and anything that builds up will move it across. How you doing?\n\nAlrighty. Well, leave me to it and just keep an ear out for a call mid to late next week. Awesome. And last thing too is I had a little check of the super just in case because obviously the world melted down like we thought it would after Christmas. And we had the bounce back, thank you.\n\nIt went from 200 to $1.88. Yeah. The lowest is one eighty eight, and it's bounced back to two hundred and eight. So yeah. It mate, when the market goes up, this thing jumps $10.20, $30 pretty quickly, but it can also go down very quickly as well.\n\nSo yeah. It's just time frame averages. You know? The the world goes up and down, but over a ten year period, it averages out, and that's what we're aiming for. Cool.\n\nFantastic. Well, thank you for taking my call today, and I shall talk to you next week or the week after. Yeah. Dinner time, and I'll hit the hay, mate. Thank you so much.\n\nSee you, Tony. Talk soon. Bye.","paragraphs":[{"sentences":[{"text":"Donnie, good evening, sir.","start":2.3999999,"end":3.76,"sentiment":"neutral","sentiment_score":0.24710825644433498},{"text":"It's Tommy from.","start":3.76,"end":4.74,"sentiment":"neutral","sentiment_score":0.11886272827784221},{"text":"How you been?","start":4.96,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.10993028432130814},{"text":"Living the dream.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.5050698220729828},{"text":"Living the dream.","start":8.72,"end":9.599999,"sentiment":"positive","sentiment_score":0.5070842305819193}],"sentiment":"neutral","sentiment_score":0.2944546388462186,"num_words":16,"start":2.3999999,"end":9.599999},{"sentences":[{"text":"I do do apologize.","start":9.599999,"end":11.86,"sentiment":"neutral","sentiment_score":-0.013994797132909301},{"text":"I've got the we're doing a bit of work from home with all the fuel prices and everything, so you might hear the baby in the background.","start":12.0,"end":17.475,"sentiment":"neutral","sentiment_score":-0.018310036889656826},{"text":"That's all.","start":17.475,"end":18.215,"sentiment":"neutral","sentiment_score":0.012204278260469437},{"text":"That's fantastic.","start":21.555,"end":22.455,"sentiment":"positive","sentiment_score":0.7551389336585999},{"text":"Fantastic.","start":22.835,"end":23.335,"sentiment":"positive","sentiment_score":0.6316893696784973}],"sentiment":"neutral","sentiment_score":0.044889600249007344,"num_words":36,"start":9.599999,"end":23.335},{"sentences":[{"text":"Mate, I'm just gonna do a quick little security check with you.","start":23.395,"end":26.515,"sentiment":"neutral","sentiment_score":0.1609084059794744},{"text":"So basically today, had a couple of questions on the insurances that we were kind of holding off on for a little while.","start":26.515,"end":32.3,"sentiment":"neutral","sentiment_score":0.0024880958802026253},{"text":"If that rings a bell.","start":32.3,"end":33.36,"sentiment":"neutral","sentiment_score":0.009210826829075813},{"text":"Beauty.","start":34.940002,"end":35.420002,"sentiment":"neutral","sentiment_score":0.09954609721899033},{"text":"So I just need to double check date of birth and address with you.","start":35.420002,"end":38.72,"sentiment":"neutral","sentiment_score":0.02770783200061747}],"sentiment":"neutral","sentiment_score":0.04584794466129758,"num_words":55,"start":23.395,"end":38.72},{"sentences":[{"text":"Fantastic.","start":44.805,"end":45.305,"sentiment":"neutral","sentiment_score":0.30436939001083374},{"text":"So, basically, when it comes to the insurances, we had there was the the previous health conditions with the shoulder and everything, surgeries and so on.","start":45.525,"end":55.86,"sentiment":"neutral","sentiment_score":-0.013290585341075292},{"text":"And we've gotten word from insurers to basically hold off until it was twelve months.","start":56.18,"end":61.08,"sentiment":"neutral","sentiment_score":-0.08955790090064207},{"text":"You've got 40,000 worth of life and disability insurance with ARC, and we were doing a bit of a top up to a 100,000 with possibly Neos or Encompass and a bit of income protection on top of that.","start":63.3,"end":78.185,"sentiment":"neutral","sentiment_score":0.02759292022062418},{"text":"Now good news is your birthday's not come up till end of August, So we've got a bit of time in terms of pricing.","start":79.525,"end":86.509995,"sentiment":"neutral","sentiment_score":0.023948565125465393}],"sentiment":"neutral","sentiment_score":0.0025365248499881654,"num_words":105,"start":44.805,"end":86.509995},{"sentences":[{"text":"Perfect.","start":86.65,"end":87.15,"sentiment":"neutral","sentiment_score":0.2045527994632721},{"text":"Now we were expecting that if we got that through, there'd probably be some exclusions for the previous conditions and things like that in terms of that sort of thing.","start":88.409996,"end":100.395,"sentiment":"neutral","sentiment_score":-0.07295015975832939},{"text":"So what I wanted to check with you today was a couple of things.","start":100.395,"end":103.215,"sentiment":"neutral","sentiment_score":-0.01968801167926618},{"text":"One, do you still want me to try and give them a call and see if they're still gonna offer essentially the same thing that we talked about?","start":104.235,"end":111.19,"sentiment":"neutral","sentiment_score":-0.041127642550106557},{"text":"And do you still wanna go through that application?","start":111.19,"end":113.21,"sentiment":"neutral","sentiment_score":-0.0077364444732666016}],"sentiment":"neutral","sentiment_score":-0.04244861156656975,"num_words":82,"start":86.65,"end":113.21},{"sentences":[{"text":"Cool.","start":116.07,"end":116.57,"sentiment":"positive","sentiment_score":0.4970964789390564},{"text":"No.","start":124.274994,"end":124.435,"sentiment":"neutral","sentiment_score":-0.09803269803524016},{"text":"No.","start":124.435,"end":124.59499,"sentiment":"neutral","sentiment_score":-0.1108555719256401},{"text":"My honest opinion is two things.","start":124.59499,"end":126.195,"sentiment":"neutral","sentiment_score":-0.07616621566315492},{"text":"So I've already done the figures to make sure the premiums aren't too expensive, so they're not gonna butcher you super.","start":126.195,"end":132.61499,"sentiment":"neutral","sentiment_score":-0.011596621324618658}],"sentiment":"neutral","sentiment_score":-0.013743937760591508,"num_words":30,"start":116.07,"end":132.61499},{"sentences":[{"text":"The only $50.50 question that I've got is we either get this new cover and it's got some exclusions on it, and the family got a bit extra behind them.","start":133.555,"end":144.85,"sentiment":"neutral","sentiment_score":-0.08291813886413972},{"text":"That's great.","start":144.85,"end":145.67001,"sentiment":"positive","sentiment_score":0.5886265933513641},{"text":"The the question just comes back down to the ART Because if you cancel all that and consolidate the soup at the hub and you've got this policy there, you're gonna have that exclusion for the, you know, the shoulder and the forearm and so on that you can't claim on?","start":146.93001,"end":163.43001,"sentiment":"neutral","sentiment_score":-0.0880852524264186},{"text":"Or do we just keep that going and run two policies so that you can claim in both scenarios?","start":163.57,"end":168.87,"sentiment":"neutral","sentiment_score":-0.06104794889688492},{"text":"So you get a bit extra of insurance, but you also can still claim on those previous conditions with the cover that you do have.","start":169.41,"end":177.11,"sentiment":"neutral","sentiment_score":-0.04058833532035351}],"sentiment":"neutral","sentiment_score":-0.0628130572048698,"num_words":127,"start":133.555,"end":177.11},{"sentences":[{"text":"So it's really a question of yeah.","start":177.215,"end":179.295,"sentiment":"neutral","sentiment_score":-0.0244721562734672},{"text":"Do we get the new policy and consolidate and have that risk as a trade off, or do we keep the RTC running for a little while longer?","start":179.295,"end":185.95499,"sentiment":"neutral","sentiment_score":-0.03806044201233557},{"text":"I agree.","start":192.11,"end":192.76999,"sentiment":"neutral","sentiment_score":0.03408355452120304},{"text":"Yeah.","start":199.31,"end":199.81,"sentiment":"neutral","sentiment_score":-0.04763638228178024},{"text":"Yep.","start":204.525,"end":204.84499,"sentiment":"neutral","sentiment_score":0.0034647982101887465}],"sentiment":"neutral","sentiment_score":-0.03110261398176543,"num_words":39,"start":177.215,"end":204.84499},{"sentences":[{"text":"And do you still want me to do the top up there?","start":204.84499,"end":207.08499,"sentiment":"neutral","sentiment_score":-0.01722921058535576},{"text":"So get the extra cover on top.","start":207.08499,"end":209.50499,"sentiment":"neutral","sentiment_score":-0.012909128729786192},{"text":"That's a 100,000 worth of life and disability insurance and a little bit of income protection.","start":213.84001,"end":219.22,"sentiment":"neutral","sentiment_score":-0.020785034401342273},{"text":"Through it'd probably be through Encompass is probably the only one.","start":222.8,"end":225.825,"sentiment":"neutral","sentiment_score":-0.007172624749893492},{"text":"Yeah.","start":228.86499,"end":229.185,"sentiment":"neutral","sentiment_score":0.14356346428394318}],"sentiment":"neutral","sentiment_score":-0.012021497585513491,"num_words":47,"start":204.84499,"end":229.185},{"sentences":[{"text":"So what I'll do is I'm gonna get the team to give them a buzz tomorrow, Monday, just to make sure that it's worth attempting.","start":229.185,"end":236.245,"sentiment":"neutral","sentiment_score":0.2766374385356903},{"text":"And then we basically just need to get you booked in to go through a personal statement.","start":236.625,"end":240.64499,"sentiment":"neutral","sentiment_score":0.10953576161580927},{"text":"Do it off the application.","start":241.84001,"end":242.96,"sentiment":"neutral","sentiment_score":0.1069826140999794},{"text":"They'll do all the doctor's reports and everything and take their time getting it back.","start":242.96,"end":247.54001,"sentiment":"neutral","sentiment_score":0.07029873703916868},{"text":"If that goes through all good, we'll basically talk at the next review about what to do with ART at each point in the process.","start":248.56001,"end":255.78,"sentiment":"neutral","sentiment_score":0.1498568780720234}],"sentiment":"neutral","sentiment_score":0.16222827573274745,"num_words":87,"start":229.185,"end":255.78},{"sentences":[{"text":"Yep.","start":273.46,"end":273.7,"sentiment":"neutral","sentiment_score":0.0058333901688456535},{"text":"Yeah.","start":273.7,"end":274.1,"sentiment":"neutral","sentiment_score":-0.009102726355195044},{"text":"And anything else in terms of, you know, cancer or heart attack or anything like that, that's all gonna be with the new one as well or both, actually?","start":274.1,"end":282.68,"sentiment":"neutral","sentiment_score":-0.0629071727523516},{"text":"Yeah.","start":285.49503,"end":285.815,"sentiment":"neutral","sentiment_score":0.008018610998988152},{"text":"You could claim on both.","start":285.815,"end":287.035,"sentiment":"neutral","sentiment_score":-0.009171713143587112}],"sentiment":"neutral","sentiment_score":-0.05041668380333765,"num_words":37,"start":273.46,"end":287.035},{"sentences":[{"text":"Was it the left shoulder that had the surgery or the right shoulder?","start":312.155,"end":315.29498,"sentiment":"neutral","sentiment_score":-0.026715814494169675},{"text":"Yeah.","start":324.13998,"end":324.54,"sentiment":"neutral","sentiment_score":0.04447024688124657},{"text":"So that's the outcome we're after is they get specific on the one body part that was preexisting and all the other body parts, illnesses that covered everything else under the sun.","start":324.54,"end":335.235,"sentiment":"neutral","sentiment_score":0.036046083783730865},{"text":"Okay.","start":339.155,"end":339.655,"sentiment":"neutral","sentiment_score":0.0948551818728447},{"text":"Yeah.","start":339.79498,"end":340.03497,"sentiment":"neutral","sentiment_score":0.07543812692165375}],"sentiment":"neutral","sentiment_score":0.021269430173560977,"num_words":48,"start":312.155,"end":340.03497},{"sentences":[{"text":"No.","start":340.03497,"end":340.51498,"sentiment":"neutral","sentiment_score":0.04598776251077652},{"text":"Ask as many questions as you need.","start":340.51498,"end":341.875,"sentiment":"neutral","sentiment_score":0.06182927159326417},{"text":"I don't want you spending money on something that doesn't make sense or is it a benefit to you?","start":341.875,"end":346.455,"sentiment":"neutral","sentiment_score":-0.3237983929483514},{"text":"Yeah.","start":355.49,"end":355.99,"sentiment":"neutral","sentiment_score":0.062070854008197784},{"text":"Yeah.","start":364.575,"end":364.975,"sentiment":"neutral","sentiment_score":0.19676238298416135}],"sentiment":"neutral","sentiment_score":-0.18670839880561008,"num_words":29,"start":340.03497,"end":364.975},{"sentences":[{"text":"Exactly right.","start":364.975,"end":366.115,"sentiment":"neutral","sentiment_score":0.3000827431678772},{"text":"Yeah.","start":369.135,"end":369.45502,"sentiment":"positive","sentiment_score":0.34059351682662964},{"text":"Awesome.","start":369.45502,"end":369.935,"sentiment":"positive","sentiment_score":0.4909527897834778},{"text":"I just wanted to double check it for you before we started trying to put you through paperwork.","start":369.935,"end":373.475,"sentiment":"neutral","sentiment_score":0.08389765603674783},{"text":"Cool.","start":376.68,"end":376.91998,"sentiment":"neutral","sentiment_score":0.23060555756092072}],"sentiment":"neutral","sentiment_score":0.13793370257253232,"num_words":23,"start":364.975,"end":376.91998},{"sentences":[{"text":"Alright.","start":376.91998,"end":377.15997,"sentiment":"neutral","sentiment_score":0.1986265778541565},{"text":"I'll do the calls.","start":377.15997,"end":378.13998,"sentiment":"neutral","sentiment_score":0.2087765447795391},{"text":"We'll get you booked in.","start":378.28,"end":379.58,"sentiment":"neutral","sentiment_score":0.13740018606185914},{"text":"Do you want me to kind of put in a bit of a booking tonight if you know when you're available?","start":379.87997,"end":383.97998,"sentiment":"neutral","sentiment_score":0.05658114089497498},{"text":"Yeah.","start":394.775,"end":395.095,"sentiment":"neutral","sentiment_score":0.00423149298876524}],"sentiment":"neutral","sentiment_score":0.09103653559577651,"num_words":32,"start":376.91998,"end":395.095},{"sentences":[{"text":"That's awesome.","start":395.095,"end":395.835,"sentiment":"neutral","sentiment_score":0.0601889006793499},{"text":"So would I.","start":405.59003,"end":406.23,"sentiment":"neutral","sentiment_score":0.019203620962798595},{"text":"So would I.","start":406.23,"end":406.95,"sentiment":"neutral","sentiment_score":0.019905727977554005},{"text":"So possible sometime between, like it'll be sometime Tuesday to Thursday next week that we do have some people that they're available late night.","start":406.95,"end":418.855,"sentiment":"neutral","sentiment_score":0.030246639158576727},{"text":"And Jack there, he'll look after you and do the application pretty quickly there.","start":419.315,"end":424.435,"sentiment":"neutral","sentiment_score":0.12681665644049644}],"sentiment":"neutral","sentiment_score":0.059544747351142374,"num_words":46,"start":395.095,"end":424.435},{"sentences":[{"text":"I'm hoping most of it can just go through the doctor's reports rather than sitting there asking you every question under the sun.","start":424.435,"end":430.535,"sentiment":"neutral","sentiment_score":0.05890422282011613},{"text":"I've got all the info that you told me previously, so I'm gonna try and pre bill most of it.","start":430.78,"end":436.16,"sentiment":"neutral","sentiment_score":0.0742268456146121},{"text":"But if he does have to ask a couple of questions, because it's this online application perhaps sometimes they go, hey.","start":436.22,"end":441.68,"sentiment":"neutral","sentiment_score":-0.013801922422966786},{"text":"Plug in this, plug in that before you can hit submit.","start":441.9,"end":444.72,"sentiment":"neutral","sentiment_score":-0.003009942868216471},{"text":"That will be the only thing.","start":445.685,"end":447.065,"sentiment":"neutral","sentiment_score":-0.09497521072626114}],"sentiment":"neutral","sentiment_score":0.024031271979810646,"num_words":81,"start":424.435,"end":447.065},{"sentences":[{"text":"Awesome.","start":449.92502,"end":450.405,"sentiment":"neutral","sentiment_score":0.061503805220127106},{"text":"If anything else pops up, I'll give you a buzz to let you know.","start":450.405,"end":452.885,"sentiment":"neutral","sentiment_score":0.04269638245127031},{"text":"But so far, as long as we get it all submitted in time sometime next week, they can do their doctor's report and everything, and and they've put on on the premium.","start":452.885,"end":461.91,"sentiment":"neutral","sentiment_score":0.06335776147898287},{"text":"I just don't want them to try and hype the price up because we got a birthday.","start":462.69,"end":465.59003,"sentiment":"neutral","sentiment_score":-0.2126418750952272},{"text":"Awesome, mate.","start":468.69,"end":469.59003,"sentiment":"positive","sentiment_score":0.4535834789276123}],"sentiment":"neutral","sentiment_score":-0.0003188392711859761,"num_words":66,"start":449.92502,"end":469.59003},{"sentences":[{"text":"Yeah.","start":470.85,"end":471.09003,"sentiment":"neutral","sentiment_score":0.06649559736251831},{"text":"Go for it.","start":471.09003,"end":471.825,"sentiment":"neutral","sentiment_score":0.08839918673038483},{"text":"Yep.","start":477.98502,"end":478.48502,"sentiment":"neutral","sentiment_score":0.033480580896139145},{"text":"Yeah.","start":506.055,"end":506.375,"sentiment":"neutral","sentiment_score":0.023354995995759964},{"text":"Correct.","start":506.375,"end":506.875,"sentiment":"neutral","sentiment_score":0.025321554392576218}],"sentiment":"neutral","sentiment_score":0.05912146983402116,"num_words":7,"start":470.85,"end":506.875},{"sentences":[{"text":"Yeah.","start":509.11002,"end":509.61002,"sentiment":"neutral","sentiment_score":-0.012450620532035828},{"text":"In the interim, what we do is when I've got you booked in for that next annual review in a few months' time, we will basically just do a sweep across of anything that doesn't need to be in there for the insurances and roll it across, get it invested for you.","start":509.99002,"end":524.925,"sentiment":"neutral","sentiment_score":0.040710540022701025},{"text":"But if we can close it, we will.","start":525.225,"end":527.785,"sentiment":"neutral","sentiment_score":0.01851883204653859},{"text":"But like I said, we'll maintain it for a little while longer.","start":527.785,"end":530.525,"sentiment":"neutral","sentiment_score":0.0414796539892753},{"text":"I'll keep moving a portion across next time we speak to you in the review.","start":530.585,"end":534.925,"sentiment":"neutral","sentiment_score":0.08921043078104655}],"sentiment":"neutral","sentiment_score":0.04646091393872418,"num_words":88,"start":509.11002,"end":534.925},{"sentences":[{"text":"And yeah.","start":535.70996,"end":540.43,"sentiment":"neutral","sentiment_score":0.08928204327821732},{"text":"Exactly.","start":540.43,"end":540.82996,"sentiment":"neutral","sentiment_score":0.15737611055374146},{"text":"Right.","start":540.82996,"end":541.07,"sentiment":"neutral","sentiment_score":0.13940472900867462},{"text":"Usually, I'll keep that 10,000 in there, and anything that builds up will move it across.","start":541.07,"end":545.25,"sentiment":"neutral","sentiment_score":0.10969165130518377},{"text":"How you doing?","start":549.255,"end":549.97504,"sentiment":"neutral","sentiment_score":0.20068207879861197}],"sentiment":"neutral","sentiment_score":0.12315032971294029,"num_words":23,"start":535.70996,"end":549.97504},{"sentences":[{"text":"Alrighty.","start":549.97504,"end":550.47504,"sentiment":"neutral","sentiment_score":0.2379707396030426},{"text":"Well, leave me to it and just keep an ear out for a call mid to late next week.","start":551.495,"end":558.955,"sentiment":"neutral","sentiment_score":0.2046473143916381},{"text":"Awesome.","start":562.15,"end":562.63,"sentiment":"positive","sentiment_score":0.7143679261207581},{"text":"And last thing too is I had a little check of the super just in case because obviously the world melted down like we thought it would after Christmas.","start":562.63,"end":569.69,"sentiment":"neutral","sentiment_score":0.10661413135199711},{"text":"And we had the bounce back, thank you.","start":570.07,"end":573.13,"sentiment":"neutral","sentiment_score":0.21895232610404491}],"sentiment":"neutral","sentiment_score":0.16696665615871034,"num_words":58,"start":549.97504,"end":573.13},{"sentences":[{"text":"It went from 200 to $1.88.","start":573.275,"end":576.09503,"sentiment":"neutral","sentiment_score":0.019470959979419906},{"text":"Yeah.","start":584.395,"end":584.715,"sentiment":"neutral","sentiment_score":0.00062599778175354},{"text":"The lowest is one eighty eight, and it's bounced back to two hundred and eight.","start":584.715,"end":587.915,"sentiment":"neutral","sentiment_score":-0.014447131815056006},{"text":"So yeah.","start":587.915,"end":594.09,"sentiment":"neutral","sentiment_score":0.03920366242527962},{"text":"It mate, when the market goes up, this thing jumps $10.20, $30 pretty quickly, but it can also go down very quickly as well.","start":594.09,"end":602.49,"sentiment":"neutral","sentiment_score":0.037967958875621356}],"sentiment":"neutral","sentiment_score":0.018549648297873016,"num_words":48,"start":573.275,"end":602.49},{"sentences":[{"text":"So yeah.","start":602.49,"end":605.605,"sentiment":"neutral","sentiment_score":-0.07618362829089165},{"text":"It's just time frame averages.","start":605.605,"end":607.225,"sentiment":"neutral","sentiment_score":-0.048475240170955655},{"text":"You know?","start":607.365,"end":607.845,"sentiment":"neutral","sentiment_score":-0.019855191931128502},{"text":"The the world goes up and down, but over a ten year period, it averages out, and that's what we're aiming for.","start":607.845,"end":613.545,"sentiment":"neutral","sentiment_score":-0.01332082334821197},{"text":"Cool.","start":616.09,"end":616.59,"sentiment":"neutral","sentiment_score":0.1507958471775055}],"sentiment":"neutral","sentiment_score":-0.018022378368186764,"num_words":32,"start":602.49,"end":616.59},{"sentences":[{"text":"Fantastic.","start":618.81,"end":619.31,"sentiment":"positive","sentiment_score":0.5745565891265869},{"text":"Well, thank you for taking my call today, and I shall talk to you next week or the week after.","start":619.45,"end":624.27,"sentiment":"positive","sentiment_score":0.38238770961761476},{"text":"Yeah.","start":627.8749,"end":628.1949,"sentiment":"neutral","sentiment_score":0.2226802110671997},{"text":"Dinner time, and I'll hit the hay, mate.","start":628.1949,"end":629.71484,"sentiment":"neutral","sentiment_score":0.31388571485877037},{"text":"Thank you so much.","start":629.71484,"end":630.77484,"sentiment":"positive","sentiment_score":0.6284616142511368}],"sentiment":"positive","sentiment_score":0.39617421083590565,"num_words":34,"start":618.81,"end":630.77484},{"sentences":[{"text":"See you, Tony.","start":633.47485,"end":634.11487,"sentiment":"positive","sentiment_score":0.4928486744562785},{"text":"Talk soon.","start":634.11487,"end":634.85486,"sentiment":"positive","sentiment_score":0.3682157099246979},{"text":"Bye.","start":636.4349,"end":636.9349,"sentiment":"neutral","sentiment_score":-0.09082865715026855}],"sentiment":"positive","sentiment_score":0.3540247976779938,"num_words":6,"start":633.47485,"end":636.9349}]}}]},{"alternatives":[{"transcript":"Hello? Good, mate. How are you going? Business going. Yeah. Okay. Nah. All good, mate. Good to hear that sort of thing. Yep. Yep. Yep. Yeah. 24387458 Haines Road, Ballantine. Yep. Yep. Yep. Yep. Yep. Yep. That's correct. Yep. Yep. Yep. Yep. Mhmm. Yep. Yeah. I think so, mate. Like like, can I ask for your honest opinion, or do I just call my shop? Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. With IRT. Yep. Yeah. Well, I I reckon we keep it going for a little bit longer. Yeah. Yeah. I just yeah. Like, I'm taking big enough risk as it is. Yeah. No. Like, I think yeah. No. I'll I'll keep it going for a bit longer. So what is that for again? Mhmm. Yep. Through through hub. Alright. Alright. Yeah. Yeah. Yeah. Can you do that? Yep. Yep. Yep. Yep. I just went inside there. Yep. Right. So yeah. So if you go through encompass and I accept it and say I'll get hurt, my shoulder and that'll go through ART if I did my shoulder again. But it won't go through Encompass just yet. But it yep. Through through encompass and through IRT. So so just out of like, I hope I never happened to me. Say my say my right child that goes tomorrow. And I'm through I'm I'm covered with Encompass with so if my right child goes and I'm covered with Encompass, I'll get looked after with insurance and and wage, whatever it's called. No. My left child. But I'm just saying to if, for instance, if my right child went tomorrow and I was covered by Encompass, I'll get looked after. Yep. Yep. Yep. That sounds good. Sounds good. Yep. That's all just making sure yet. Yeah. Yeah. No. No. I think it's alright. Yeah. So when I when I did my child, I actually went to IRT about income protection and I didn't have any of them. So, I mean, if I do my right child next week, well, I'm back. I'm I'm no no worse off than where I was before. So if I can get something with Encompass in a few months' time, well, that's a bonus for me. Yeah. Yep. Yep. Yep. No. No. Sounds good. Yep. Yep. Yeah. Pretty well. Anytime 05:30, mate. Whenever it's well, I don't know what time I'm knocking off at 05:30, I'm definitely home. So whenever whatever is gone. As long as it's not the August 24, mate, because I'd probably you probably by 05:30, I'm hoping I'd have a couple of beers on the by then. Yep. Yep. Yep. Oh, yes. Yep. Yep. Yep. No. I got you. Yep. No dramas at all, mate. Yep. Yep. Yep. No. Too easy. That's good. Just a quick question. When so just with my IRT, like, my wages are going I mean, super's going in there now. Do I just let just just keep letting them put it in there? And then when when it all comes down and we decide bugging you, we're just gonna go with hub. We just take it out and change accounts log. Because my super when when so when I if I if I delete ART altogether, all my super money will go into my hub account every four every fortnight. Is that right? That's the plan at the end of the day, ain't it? Yeah. Mhmm. Yeah. Yep. Yep. Alright. Yeah. So you'll take some out of ART and bring it across to the hub. Yep. Yep. Right. Yep. Right. No. That's where I was getting it. Yep. Alright. Alrighty. Yep. No worries at all, mate. We're looking forward to it. Yep. Yep. Yeah. No. I had a I actually had a look. Yeah. I had a look today, so I mean, I think I got about 207 in there today and was 10 to about 192 at one stage. One 98. Oh, it's 200 nightmare. Yeah. That looks like $207,500. Oh, that's good. That's awesome. Yeah. I know. Lack of the draw, ain't it? Yep. Yep. Yeah. No. Too easy. Too easy. Yeah. All good, mate. Sounds good. No worries. You get a bit of sleep before that baby wakes up. No worries, mate. Good luck. Thanks. Bye. 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Good, mate. How are you going? Business going. Yeah.\n\nOkay. Nah. All good, mate. Good to hear that sort of thing. Yep.\n\nYep. Yep. Yeah. 24387458 Haines Road, Ballantine. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nThat's correct. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yeah. I think so, mate. Like like, can I ask for your honest opinion, or do I just call my shop?\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. Yep. With IRT. Yep.\n\nYeah. Well, I I reckon we keep it going for a little bit longer. Yeah. Yeah. I just yeah.\n\nLike, I'm taking big enough risk as it is. Yeah. No. Like, I think yeah. No.\n\nI'll I'll keep it going for a bit longer. So what is that for again? Mhmm. Yep. Through through hub.\n\nAlright. Alright. Yeah. Yeah. Yeah.\n\nCan you do that? Yep. Yep. Yep. Yep.\n\nI just went inside there. Yep. Right. So yeah. So if you go through encompass and I accept it and say I'll get hurt, my shoulder and that'll go through ART if I did my shoulder again.\n\nBut it won't go through Encompass just yet. But it yep. Through through encompass and through IRT. So so just out of like, I hope I never happened to me. Say my say my right child that goes tomorrow.\n\nAnd I'm through I'm I'm covered with Encompass with so if my right child goes and I'm covered with Encompass, I'll get looked after with insurance and and wage, whatever it's called. No. My left child. But I'm just saying to if, for instance, if my right child went tomorrow and I was covered by Encompass, I'll get looked after. Yep.\n\nYep. Yep. That sounds good. Sounds good. Yep.\n\nThat's all just making sure yet. Yeah. Yeah. No. No.\n\nI think it's alright. Yeah. So when I when I did my child, I actually went to IRT about income protection and I didn't have any of them. So, I mean, if I do my right child next week, well, I'm back. I'm I'm no no worse off than where I was before.\n\nSo if I can get something with Encompass in a few months' time, well, that's a bonus for me. Yeah. Yep. Yep. Yep.\n\nNo. No. Sounds good. Yep. Yep.\n\nYeah. Pretty well. Anytime 05:30, mate. Whenever it's well, I don't know what time I'm knocking off at 05:30, I'm definitely home. So whenever whatever is gone.\n\nAs long as it's not the August 24, mate, because I'd probably you probably by 05:30, I'm hoping I'd have a couple of beers on the by then. Yep. Yep. Yep. Oh, yes.\n\nYep. Yep. Yep. No. I got you.\n\nYep. No dramas at all, mate. Yep. Yep. Yep.\n\nNo. Too easy. That's good. Just a quick question. When so just with my IRT, like, my wages are going I mean, super's going in there now.\n\nDo I just let just just keep letting them put it in there? And then when when it all comes down and we decide bugging you, we're just gonna go with hub. We just take it out and change accounts log. Because my super when when so when I if I if I delete ART altogether, all my super money will go into my hub account every four every fortnight. Is that right?\n\nThat's the plan at the end of the day, ain't it? Yeah. Mhmm. Yeah. Yep.\n\nYep. Alright. Yeah. So you'll take some out of ART and bring it across to the hub. Yep.\n\nYep. Right. Yep. Right. No.\n\nThat's where I was getting it. Yep. Alright. Alrighty. Yep.\n\nNo worries at all, mate. We're looking forward to it. Yep. Yep. Yeah.\n\nNo. I had a I actually had a look. Yeah. I had a look today, so I mean, I think I got about 207 in there today and was 10 to about 192 at one stage. One 98.\n\nOh, it's 200 nightmare. Yeah. That looks like $207,500. Oh, that's good. That's awesome.\n\nYeah. I know. Lack of the draw, ain't it? Yep. Yep.\n\nYeah. No. Too easy. Too easy. Yeah.\n\nAll good, mate. Sounds good. No worries. You get a bit of sleep before that baby wakes up. No worries, mate.\n\nGood luck. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.8399997,"end":6.0,"sentiment":"neutral","sentiment_score":0.10417543351650238},{"text":"Good, mate.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.43605607748031616},{"text":"How are you going?","start":6.48,"end":7.2999997,"sentiment":"positive","sentiment_score":0.37851031869649887},{"text":"Business going.","start":9.36,"end":10.26,"sentiment":"neutral","sentiment_score":0.12552104890346527},{"text":"Yeah.","start":16.275,"end":16.595,"sentiment":"neutral","sentiment_score":0.0030935942195355892}],"sentiment":"neutral","sentiment_score":0.27444645552895963,"num_words":10,"start":5.8399997,"end":16.595},{"sentences":[{"text":"Okay.","start":16.595,"end":17.095,"sentiment":"neutral","sentiment_score":0.009135053493082523},{"text":"Nah.","start":18.355,"end":18.675,"sentiment":"neutral","sentiment_score":0.10843682289123537},{"text":"All good, 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that?","start":227.28,"end":228.34,"sentiment":"neutral","sentiment_score":0.11627726629376411},{"text":"Yep.","start":233.6,"end":234.1,"sentiment":"neutral","sentiment_score":0.29459071159362793},{"text":"Yep.","start":236.875,"end":237.375,"sentiment":"neutral","sentiment_score":0.10681211948394775},{"text":"Yep.","start":241.11499,"end":241.61499,"sentiment":"neutral","sentiment_score":0.1426989734172821},{"text":"Yep.","start":247.75499,"end":248.155,"sentiment":"neutral","sentiment_score":0.08391781896352768}],"sentiment":"neutral","sentiment_score":0.13664108607918024,"num_words":8,"start":227.28,"end":248.155},{"sentences":[{"text":"I just went inside there.","start":248.155,"end":249.69499,"sentiment":"neutral","sentiment_score":0.021453307196497916},{"text":"Yep.","start":255.78,"end":256.28,"sentiment":"neutral","sentiment_score":0.06265811622142792},{"text":"Right.","start":256.5,"end":256.82,"sentiment":"neutral","sentiment_score":0.02399742417037487},{"text":"So yeah.","start":256.82,"end":257.3,"sentiment":"neutral","sentiment_score":-0.023940916173160076},{"text":"So if you go through encompass and I accept it and say I'll get hurt, my shoulder and that'll go through ART if I did my shoulder again.","start":257.3,"end":268.855,"sentiment":"neutral","sentiment_score":-0.165132398051875}],"sentiment":"neutral","sentiment_score":-0.12101802436282506,"num_words":37,"start":248.155,"end":268.855},{"sentences":[{"text":"But it won't go through Encompass just yet.","start":270.035,"end":273.095,"sentiment":"neutral","sentiment_score":-0.1578567074611783},{"text":"But it yep.","start":274.83502,"end":278.135,"sentiment":"neutral","sentiment_score":-0.07072129969795544},{"text":"Through through encompass and through IRT.","start":282.72,"end":285.06,"sentiment":"neutral","sentiment_score":-0.009634166800727447},{"text":"So so just out of like, I hope I never happened to 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question.","start":469.075,"end":470.215,"sentiment":"neutral","sentiment_score":0.1938053648918867},{"text":"When so just with my IRT, like, my wages are going I mean, super's going in there now.","start":470.435,"end":477.25,"sentiment":"neutral","sentiment_score":0.04518971105830537}],"sentiment":"neutral","sentiment_score":0.10125126393028984,"num_words":27,"start":466.355,"end":477.25},{"sentences":[{"text":"Do I just let just just keep letting them put it in there?","start":477.71,"end":481.01,"sentiment":"neutral","sentiment_score":0.018980817726025216},{"text":"And then when when it all comes down and we decide bugging you, we're just gonna go with hub.","start":481.22998,"end":486.045,"sentiment":"neutral","sentiment_score":0.00936521383884706},{"text":"We just take it out and change accounts log.","start":486.845,"end":489.905,"sentiment":"neutral","sentiment_score":0.010889943689107895},{"text":"Because my super when when so when I if I if I delete ART altogether, all my super money will go into my hub account every four every fortnight.","start":490.125,"end":504.26,"sentiment":"neutral","sentiment_score":-0.050452292350859476},{"text":"Is that right?","start":504.32,"end":505.22,"sentiment":"neutral","sentiment_score":0.02392348957558473}],"sentiment":"neutral","sentiment_score":-0.011899271546161338,"num_words":73,"start":477.71,"end":505.22},{"sentences":[{"text":"That's the plan at the end of the day, ain't it?","start":506.24002,"end":508.5,"sentiment":"neutral","sentiment_score":-0.13621792095628651},{"text":"Yeah.","start":510.0,"end":510.5,"sentiment":"neutral","sentiment_score":-0.0016483180224895475},{"text":"Mhmm.","start":516.355,"end":516.855,"sentiment":"neutral","sentiment_score":0.02418924495577812},{"text":"Yeah.","start":521.635,"end":522.135,"sentiment":"neutral","sentiment_score":0.07504040002822876},{"text":"Yep.","start":525.15497,"end":525.65497,"sentiment":"neutral","sentiment_score":0.06321501731872559}],"sentiment":"neutral","sentiment_score":-0.08917338574926058,"num_words":15,"start":506.24002,"end":525.65497},{"sentences":[{"text":"Yep.","start":530.83,"end":531.33,"sentiment":"neutral","sentiment_score":0.08623659610748291},{"text":"Alright.","start":535.55,"end":536.02997,"sentiment":"neutral","sentiment_score":0.08313608169555664},{"text":"Yeah.","start":536.02997,"end":536.27,"sentiment":"neutral","sentiment_score":0.07577189803123474},{"text":"So you'll take some out of ART and bring it across to the hub.","start":536.27,"end":539.65,"sentiment":"neutral","sentiment_score":0.06739914337439197},{"text":"Yep.","start":541.035,"end":541.27496,"sentiment":"neutral","sentiment_score":0.10592864453792572}],"sentiment":"neutral","sentiment_score":0.07192562375631598,"num_words":18,"start":530.83,"end":541.27496},{"sentences":[{"text":"Yep.","start":541.27496,"end":541.595,"sentiment":"neutral","sentiment_score":0.06740833818912506},{"text":"Right.","start":541.595,"end":542.095,"sentiment":"neutral","sentiment_score":0.06892052292823792},{"text":"Yep.","start":545.675,"end":546.075,"sentiment":"neutral","sentiment_score":0.08450832962989807},{"text":"Right.","start":546.075,"end":546.395,"sentiment":"neutral","sentiment_score":0.07387906312942505},{"text":"No.","start":546.395,"end":546.555,"sentiment":"neutral","sentiment_score":0.05988684669137001}],"sentiment":"neutral","sentiment_score":0.07092062011361122,"num_words":5,"start":541.27496,"end":546.555},{"sentences":[{"text":"That's where I was getting it.","start":546.555,"end":547.675,"sentiment":"neutral","sentiment_score":0.056146711421509586},{"text":"Yep.","start":547.675,"end":548.175,"sentiment":"neutral","sentiment_score":0.156661257147789},{"text":"Alright.","start":549.915,"end":550.415,"sentiment":"neutral","sentiment_score":0.20174720883369449},{"text":"Alrighty.","start":551.035,"end":551.535,"sentiment":"neutral","sentiment_score":0.2523016631603241},{"text":"Yep.","start":554.875,"end":555.375,"sentiment":"neutral","sentiment_score":0.16990196704864502}],"sentiment":"neutral","sentiment_score":0.11174923647195101,"num_words":10,"start":546.555,"end":555.375},{"sentences":[{"text":"No worries at all, mate.","start":559.19995,"end":560.24,"sentiment":"positive","sentiment_score":0.44932072758674624},{"text":"We're looking forward to it.","start":560.24,"end":561.54,"sentiment":"positive","sentiment_score":0.7127662420272827},{"text":"Yep.","start":569.36,"end":569.86,"sentiment":"neutral","sentiment_score":0.10121782124042512},{"text":"Yep.","start":570.07996,"end":570.57996,"sentiment":"neutral","sentiment_score":0.11726953089237212},{"text":"Yeah.","start":573.355,"end":573.595,"sentiment":"neutral","sentiment_score":0.07757660746574402}],"sentiment":"positive","sentiment_score":0.4697306775129758,"num_words":13,"start":559.19995,"end":573.595},{"sentences":[{"text":"No.","start":573.595,"end":573.83496,"sentiment":"neutral","sentiment_score":0.028051594272255898},{"text":"I had a I actually had a look.","start":573.83496,"end":575.375,"sentiment":"neutral","sentiment_score":0.004096115939319134},{"text":"Yeah.","start":576.15497,"end":576.39496,"sentiment":"neutral","sentiment_score":0.028776906430721283},{"text":"I had a look today, so I mean, I think I got about 207 in there today and was 10 to about 192 at one stage.","start":576.39496,"end":583.615,"sentiment":"neutral","sentiment_score":0.024713546503335238},{"text":"One 98.","start":586.85,"end":587.91,"sentiment":"neutral","sentiment_score":-0.018787582404911518}],"sentiment":"neutral","sentiment_score":0.01827827559195851,"num_words":38,"start":573.595,"end":587.91},{"sentences":[{"text":"Oh, it's 200 nightmare.","start":588.61,"end":589.73,"sentiment":"neutral","sentiment_score":-0.17957491800189018},{"text":"Yeah.","start":589.73,"end":589.97,"sentiment":"neutral","sentiment_score":-0.08712156862020493},{"text":"That looks like $207,500.","start":589.97,"end":592.47,"sentiment":"neutral","sentiment_score":-0.07400285173207521},{"text":"Oh, that's good.","start":593.41,"end":594.37,"sentiment":"neutral","sentiment_score":0.1445031613111496},{"text":"That's awesome.","start":594.37,"end":595.11,"sentiment":"positive","sentiment_score":0.4566759467124939}],"sentiment":"neutral","sentiment_score":0.017530623557312146,"num_words":14,"start":588.61,"end":595.11},{"sentences":[{"text":"Yeah.","start":600.52496,"end":600.68494,"sentiment":"neutral","sentiment_score":0.016718581318855286},{"text":"I know.","start":600.68494,"end":601.345,"sentiment":"neutral","sentiment_score":-0.006723510567098856},{"text":"Lack of the draw, ain't it?","start":603.32495,"end":604.785,"sentiment":"neutral","sentiment_score":-0.1641379048426946},{"text":"Yep.","start":608.445,"end":608.945,"sentiment":"neutral","sentiment_score":-0.016573242843151093},{"text":"Yep.","start":612.20496,"end":612.70496,"sentiment":"neutral","sentiment_score":0.010405227541923525}],"sentiment":"neutral","sentiment_score":-0.08979308037933978,"num_words":11,"start":600.52496,"end":612.70496},{"sentences":[{"text":"Yeah.","start":613.78,"end":614.02,"sentiment":"neutral","sentiment_score":-0.018437029793858528},{"text":"No.","start":614.02,"end":614.26,"sentiment":"neutral","sentiment_score":-0.11645178496837616},{"text":"Too easy.","start":614.26,"end":614.9,"sentiment":"neutral","sentiment_score":-0.10623065382242203},{"text":"Too easy.","start":614.9,"end":615.56,"sentiment":"neutral","sentiment_score":-0.08160050213336945},{"text":"Yeah.","start":616.34,"end":616.58,"sentiment":"neutral","sentiment_score":0.1707298457622528}],"sentiment":"neutral","sentiment_score":-0.04854589727308069,"num_words":7,"start":613.78,"end":616.58},{"sentences":[{"text":"All good, mate.","start":616.58,"end":617.56,"sentiment":"positive","sentiment_score":0.4053000907103221},{"text":"Sounds good.","start":617.94,"end":618.76,"sentiment":"positive","sentiment_score":0.5050734579563141},{"text":"No worries.","start":624.5,"end":624.98004,"sentiment":"neutral","sentiment_score":0.1945239156484604},{"text":"You get a bit of sleep before that baby wakes up.","start":624.98004,"end":627.4,"sentiment":"neutral","sentiment_score":0.25088895992799237},{"text":"No worries, mate.","start":631.355,"end":632.075,"sentiment":"neutral","sentiment_score":0.23350978891054788}],"sentiment":"neutral","sentiment_score":0.28930490215619403,"num_words":21,"start":616.58,"end":632.075},{"sentences":[{"text":"Good luck.","start":632.075,"end":632.735,"sentiment":"neutral","sentiment_score":0.2986767068505287},{"text":"Thanks.","start":635.115,"end":635.595,"sentiment":"positive","sentiment_score":0.7472655773162842},{"text":"Bye.","start":635.595,"end":636.095,"sentiment":"positive","sentiment_score":0.46890267729759216},{"text":"Bye.","start":636.15497,"end":636.65497,"sentiment":"positive","sentiment_score":0.36419761180877686}],"sentiment":"positive","sentiment_score":0.4355438560247421,"num_words":5,"start":632.075,"end":636.65497}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Donnie, good evening, sir. It's Tommy from. How you been?\n\nChannel 1: Hello? Good, mate. How are you going?\n\nChannel 0: Living the dream. Living the dream.\n\nChannel 1: Business\n\nChannel 0: I\n\nChannel 1: going.\n\nChannel 0: do do apologize. I've got the we're doing a bit of work from home with all the fuel prices and everything, so you might\n\nChannel 1: Yeah.\n\nChannel 0: hear the\n\nChannel 1: Okay.\n\nChannel 0: baby in the background. That's all.\n\nChannel 1: Nah. All good, mate. Good to hear that sort of thing.\n\nChannel 0: That's fantastic. Fantastic. Mate, I'm just gonna do a quick little security check with you. So basically\n\nChannel 1: Yep.\n\nChannel 0: today, had a couple of questions on the insurances that we were kind of holding off on for a little while. If that rings a\n\nChannel 1: Yep.\n\nChannel 0: bell.\n\nChannel 1: Yep.\n\nChannel 0: Beauty. So I just need to double check date of birth and address with you.\n\nChannel 1: Yeah. 24387458 Haines Road, Ballantine.\n\nChannel 0: Fantastic. So, basically, when it comes to the insurances, we had there was the the previous health conditions with the shoulder and everything, surgeries and so\n\nChannel 1: Yep.\n\nChannel 0: on. And\n\nChannel 1: Yep.\n\nChannel 0: we've gotten word from insurers to basically hold off until it was twelve months.\n\nChannel 1: Yep.\n\nChannel 0: You've got 40,000 worth of life and disability insurance with ARC,\n\nChannel 1: Yep.\n\nChannel 0: and we were doing a bit of a top up to a 100,000\n\nChannel 1: Yep.\n\nChannel 0: with possibly Neos or Encompass and a bit of income protection on top of that.\n\nChannel 1: Yep.\n\nChannel 0: Now good news is your birthday's not come up till end of August,\n\nChannel 1: That's\n\nChannel 0: So we've\n\nChannel 1: correct.\n\nChannel 0: got a bit of time in terms of pricing. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now we were expecting that if we got that through, there'd probably be some exclusions for the previous conditions and things like that in\n\nChannel 1: Yep.\n\nChannel 0: terms of that sort of thing. So what\n\nChannel 1: Yep.\n\nChannel 0: I wanted to check with you today was a couple of things.\n\nChannel 1: Yep.\n\nChannel 0: One, do you still want me to try and give them a call and see if they're still gonna offer essentially the same thing that we talked about? And do you still\n\nChannel 1: Mhmm.\n\nChannel 0: wanna go through that application?\n\nChannel 1: Yep. Yeah. I think\n\nChannel 0: Cool.\n\nChannel 1: so, mate. Like like, can I ask for your honest opinion, or do I just call my shop?\n\nChannel 0: No. No. My honest opinion is two things. So I've already done the figures to make sure the premiums aren't too expensive, so they're not gonna\n\nChannel 1: Mhmm.\n\nChannel 0: butcher you super. The only $50.50 question that I've got is\n\nChannel 1: Mhmm.\n\nChannel 0: we either get\n\nChannel 1: Yep.\n\nChannel 0: this new cover and it's got some exclusions on it, and the family got a bit extra behind them. That's great.\n\nChannel 1: Yep.\n\nChannel 0: The the question just comes back down to the ART Because\n\nChannel 1: Yep.\n\nChannel 0: if you cancel all that and consolidate the soup at the hub and you've got this policy there, you're gonna have that exclusion for the, you know, the shoulder and the forearm and so on\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: you can't claim on? Or do we just keep that going and run two policies so that you can claim in both scenarios? So you get a bit extra of insurance, but you also can still claim on those previous conditions with the cover that you do have.\n\nChannel 1: Yep.\n\nChannel 0: So it's\n\nChannel 1: With\n\nChannel 0: really a\n\nChannel 1: IRT.\n\nChannel 0: question of yeah. Do we get the new policy and consolidate and have that risk as a trade off, or do\n\nChannel 1: Yep.\n\nChannel 0: we keep the RTC running for a little while longer?\n\nChannel 1: Yeah. Well, I I reckon we keep it going for a little bit longer.\n\nChannel 0: I agree.\n\nChannel 1: Yeah. Yeah. I just yeah. Like, I'm taking big enough risk as it is. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. Like, I think yeah. No. I'll I'll keep it going for a bit longer.\n\nChannel 0: Yep. And do you still want me to do the top up there? So get the extra cover on top.\n\nChannel 1: So what is that for again?\n\nChannel 0: That's a 100,000 worth of life and disability insurance and\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit of income protection.\n\nChannel 1: Yep. Through through hub.\n\nChannel 0: Through it'd probably be through Encompass is probably the only one.\n\nChannel 1: Alright. Alright. Yeah. Yeah. Yeah.\n\nCan you do that?\n\nChannel 0: Yeah. So what I'll do is I'm gonna get the team to give them a buzz tomorrow, Monday, just to make\n\nChannel 1: Yep.\n\nChannel 0: sure that it's worth attempting. And then\n\nChannel 1: Yep.\n\nChannel 0: we basically just need to get you booked in to go through a personal statement.\n\nChannel 1: Yep.\n\nChannel 0: Do it off the application. They'll do all the doctor's reports and everything and take their time getting it back.\n\nChannel 1: Yep. I just went\n\nChannel 0: If that\n\nChannel 1: inside\n\nChannel 0: goes\n\nChannel 1: there.\n\nChannel 0: through all good, we'll basically talk at the next review about what to do with ART at each point in the process.\n\nChannel 1: Yep. Right. So yeah. So if you go through encompass and I accept it and say I'll get hurt, my shoulder and that'll go through ART if I did my shoulder again. But it won't go through Encompass just yet.\n\nChannel 0: Yep. Yeah. And anything else\n\nChannel 1: But\n\nChannel 0: in\n\nChannel 1: it\n\nChannel 0: terms of, you know, cancer or heart\n\nChannel 1: yep.\n\nChannel 0: attack or anything like that, that's all gonna be with the new one as well or both, actually?\n\nChannel 1: Through through encompass and through IRT.\n\nChannel 0: Yeah. You could claim on both.\n\nChannel 1: So so just out of like, I hope I never happened to me. Say my say my right child that goes tomorrow. And I'm through I'm I'm covered with Encompass with so if my right child goes and I'm covered with Encompass, I'll get looked after with insurance and and wage, whatever it's called.\n\nChannel 0: Was it the left shoulder that had the surgery or the right shoulder?\n\nChannel 1: No. My left child. But I'm just saying to if, for instance, if my right child went tomorrow and I was covered by Encompass, I'll get looked after.\n\nChannel 0: Yeah. So that's\n\nChannel 1: Yep.\n\nChannel 0: the outcome we're after is they get specific on the one body part that was preexisting and\n\nChannel 1: Yep.\n\nChannel 0: all the other\n\nChannel 1: Yep.\n\nChannel 0: body parts, illnesses that covered everything else under the sun.\n\nChannel 1: That sounds good. Sounds good. Yep. That's all just making sure yet.\n\nChannel 0: Okay. Yeah. No. Ask as many questions as you need. I don't want you spending money on something that doesn't\n\nChannel 1: Yeah.\n\nChannel 0: make sense\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: a benefit\n\nChannel 1: think it's\n\nChannel 0: to\n\nChannel 1: alright.\n\nChannel 0: you?\n\nChannel 1: Yeah. So when I when I did my child, I actually went to IRT about income protection and I didn't have any of them.\n\nChannel 0: Yeah.\n\nChannel 1: So, I mean, if I do my right child next week, well, I'm back. I'm I'm no no worse off than where I was before. So if I can\n\nChannel 0: Yeah.\n\nChannel 1: get something\n\nChannel 0: Exactly\n\nChannel 1: with Encompass\n\nChannel 0: right.\n\nChannel 1: in a few months' time, well, that's a bonus for me.\n\nChannel 0: Yeah. Awesome.\n\nChannel 1: Yeah.\n\nChannel 0: I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to double check it for you before\n\nChannel 1: Yep.\n\nChannel 0: we started trying to put you through paperwork.\n\nChannel 1: Yep. No. No. Sounds good.\n\nChannel 0: Cool. Alright. I'll do the calls. We'll get you booked\n\nChannel 1: Yep.\n\nChannel 0: in. Do\n\nChannel 1: Yep.\n\nChannel 0: you want me to kind of put in a bit of a booking tonight if you know when you're available?\n\nChannel 1: Yeah. Pretty well. Anytime 05:30, mate. Whenever it's well, I don't know what time I'm knocking off at 05:30, I'm definitely home. So whenever\n\nChannel 0: Yeah.\n\nChannel 1: whatever\n\nChannel 0: That's awesome.\n\nChannel 1: is gone. As long as it's not the August 24, mate, because I'd probably you probably by 05:30, I'm hoping I'd have a couple of beers on the by\n\nChannel 0: So would I. So would I. So possible sometime between, like it'll be sometime Tuesday to Thursday\n\nChannel 1: then.\n\nChannel 0: next week that we do have\n\nChannel 1: Yep.\n\nChannel 0: some people that they're available late night.\n\nChannel 1: Yep.\n\nChannel 0: And Jack there, he'll look after you and do the application pretty quickly there. I'm\n\nChannel 1: Yep.\n\nChannel 0: hoping most of it can just go through the doctor's reports rather than sitting there asking you every question under the sun. I've\n\nChannel 1: Oh,\n\nChannel 0: got\n\nChannel 1: yes. Yep. Yep.\n\nChannel 0: all the info that you told me previously, so I'm gonna try and pre bill most of it. But if he does have to ask a couple of questions, because it's this online application perhaps sometimes they go, hey. Plug in this, plug in that before you can hit submit.\n\nChannel 1: Yep. No. I\n\nChannel 0: That\n\nChannel 1: got\n\nChannel 0: will\n\nChannel 1: you.\n\nChannel 0: be the only thing.\n\nChannel 1: Yep. No\n\nChannel 0: Awesome.\n\nChannel 1: dramas\n\nChannel 0: If anything else pops up, I'll give\n\nChannel 1: at\n\nChannel 0: you a buzz to let you know. But so far,\n\nChannel 1: all,\n\nChannel 0: as long as we get it all submitted\n\nChannel 1: mate.\n\nChannel 0: in time sometime next week,\n\nChannel 1: Yep.\n\nChannel 0: they can do their doctor's report and everything, and and they've put on on the premium.\n\nChannel 1: Yep.\n\nChannel 0: I just don't want them to try and hype the price up because we got a birthday.\n\nChannel 1: Yep. No. Too easy. That's good.\n\nChannel 0: Awesome,\n\nChannel 1: Just\n\nChannel 0: mate.\n\nChannel 1: a quick question. When\n\nChannel 0: Yeah. Go for it.\n\nChannel 1: so just with my IRT, like, my wages are going I mean, super's going in there now. Do I\n\nChannel 0: Yep.\n\nChannel 1: just let just just keep letting them put it in there? And then when when it all comes down and we decide bugging you, we're just gonna go with hub. We just take it out and change accounts log. Because my super when when so when I if I if I delete ART altogether, all my super money will go into my hub account every four every fortnight. Is that right?\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Correct.\n\nChannel 1: the plan at the end of the day, ain't it?\n\nChannel 0: Yeah. In\n\nChannel 1: Yeah.\n\nChannel 0: the interim, what we do is when I've got you booked in for that next annual review in a few months' time,\n\nChannel 1: Mhmm.\n\nChannel 0: we will basically just do a sweep across of anything that doesn't need to be in there for the insurances\n\nChannel 1: Yeah.\n\nChannel 0: and roll it across, get it invested for you.\n\nChannel 1: Yep.\n\nChannel 0: But if we can close it, we will. But like I said, we'll maintain it for a little while longer. I'll keep\n\nChannel 1: Yep.\n\nChannel 0: moving a portion across next time we speak to you in the review.\n\nChannel 1: Alright.\n\nChannel 0: And\n\nChannel 1: Yeah. So you'll take some out of ART and bring it across to the hub.\n\nChannel 0: yeah. Exactly. Right.\n\nChannel 1: Yep.\n\nChannel 0: Usually,\n\nChannel 1: Yep.\n\nChannel 0: I'll keep\n\nChannel 1: Right.\n\nChannel 0: that 10,000 in there, and anything that builds up will move it across.\n\nChannel 1: Yep. Right. No. That's where I was getting it. Yep.\n\nChannel 0: How you doing?\n\nChannel 1: Alright.\n\nChannel 0: Alrighty.\n\nChannel 1: Alrighty.\n\nChannel 0: Well, leave me to it and just\n\nChannel 1: Yep.\n\nChannel 0: keep an ear out for a call mid to late next week.\n\nChannel 1: No worries at all, mate. We're looking forward to it.\n\nChannel 0: Awesome. And last thing too is I had a little check of the super just in case because obviously the world melted down like we thought it would after Christmas.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: we had the bounce back, thank you. It\n\nChannel 1: Yeah. No.\n\nChannel 0: went\n\nChannel 1: I had a\n\nChannel 0: from\n\nChannel 1: I actually\n\nChannel 0: 200\n\nChannel 1: had a look.\n\nChannel 0: to $1.88.\n\nChannel 1: Yeah. I had a look today, so I mean, I think I got about 207 in there today and was 10 to about 192 at one stage.\n\nChannel 0: Yeah. The lowest is one eighty eight, and it's bounced back\n\nChannel 1: One\n\nChannel 0: to\n\nChannel 1: 98.\n\nChannel 0: two hundred and eight. So\n\nChannel 1: Oh, it's 200 nightmare. Yeah. That looks like $207,500. Oh, that's\n\nChannel 0: yeah.\n\nChannel 1: good.\n\nChannel 0: It\n\nChannel 1: That's awesome.\n\nChannel 0: mate, when the market goes up, this thing jumps $10.20, $30 pretty quickly, but it\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: also\n\nChannel 1: know.\n\nChannel 0: go down very quickly as well. So\n\nChannel 1: Lack of the draw, ain't it?\n\nChannel 0: yeah. It's just time frame averages. You know? The the world\n\nChannel 1: Yep.\n\nChannel 0: goes up and down, but over a ten year period, it averages out, and that's\n\nChannel 1: Yep.\n\nChannel 0: what we're aiming for.\n\nChannel 1: Yeah. No. Too easy. Too easy.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. All good, mate. Sounds good.\n\nChannel 0: Fantastic. Well, thank you for taking my call today, and I shall talk to you next week or the week after.\n\nChannel 1: No worries. You get a bit of sleep before that baby wakes up.\n\nChannel 0: Yeah. Dinner time, and I'll hit the hay, mate. Thank you so much.\n\nChannel 1: No worries, mate. Good luck.\n\nChannel 0: See you, Tony. Talk soon.\n\nChannel 1: Thanks. Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Donnie, good evening, sir.","start":2.3999999,"end":3.76,"sentiment":"neutral","sentiment_score":0.24710825644433498},{"text":"It's Tommy from.","start":3.76,"end":4.74,"sentiment":"neutral","sentiment_score":0.11886272827784221},{"text":"How you been?","start":4.96,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.10993028432130814}],"sentiment":"neutral","sentiment_score":0.1674812063574791,"channel":0,"num_words":10,"start":2.3999999,"end":5.8599997},{"sentences":[{"text":"Hello?","start":5.8399997,"end":6.0,"sentiment":"neutral","sentiment_score":0.10417543351650238},{"text":"Good, mate.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.43605607748031616},{"text":"How are you 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down very quickly as well.","start":601.05,"end":602.49,"sentiment":"neutral","sentiment_score":-0.030400364970167477},{"text":"So","start":602.49,"end":602.99,"sentiment":"neutral","sentiment_score":-0.08556924015283585}],"sentiment":"neutral","sentiment_score":-0.038281632853405814,"channel":0,"num_words":7,"start":601.05,"end":602.99},{"sentences":[{"text":"Lack of the draw, ain't it?","start":603.32495,"end":604.785,"sentiment":"neutral","sentiment_score":-0.1641379048426946}],"sentiment":"neutral","sentiment_score":-0.1641379048426946,"channel":1,"num_words":6,"start":603.32495,"end":604.785},{"sentences":[{"text":"yeah.","start":605.285,"end":605.605,"sentiment":"neutral","sentiment_score":-0.06679801642894745},{"text":"It's just time frame averages.","start":605.605,"end":607.225,"sentiment":"neutral","sentiment_score":-0.048475240170955655},{"text":"You know?","start":607.365,"end":607.845,"sentiment":"neutral","sentiment_score":-0.019855191931128502},{"text":"The the 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that's","start":608.485,"end":612.325,"sentiment":"neutral","sentiment_score":-0.010567366704344749}],"sentiment":"neutral","sentiment_score":-0.010567366704344749,"channel":0,"num_words":15,"start":608.485,"end":612.325},{"sentences":[{"text":"Yep.","start":612.20496,"end":612.70496,"sentiment":"neutral","sentiment_score":0.010405227541923525}],"sentiment":"neutral","sentiment_score":0.010405227541923525,"channel":1,"num_words":1,"start":612.20496,"end":612.70496},{"sentences":[{"text":"what we're aiming for.","start":612.325,"end":613.545,"sentiment":"neutral","sentiment_score":-0.005761784384958446}],"sentiment":"neutral","sentiment_score":-0.005761784384958446,"channel":0,"num_words":4,"start":612.325,"end":613.545},{"sentences":[{"text":"Yeah.","start":613.78,"end":614.02,"sentiment":"neutral","sentiment_score":-0.018437029793858528},{"text":"No.","start":614.02,"end":614.26,"sentiment":"neutral","sentiment_score":-0.11645178496837616},{"text":"Too easy.","start":614.26,"end":614.9,"sentiment":"neutral","sentiment_score":-0.10623065382242203},{"text":"Too easy.","start":614.9,"end":615.56,"sentiment":"neutral","sentiment_score":-0.08160050213336945}],"sentiment":"neutral","sentiment_score":-0.08509185444563627,"channel":1,"num_words":6,"start":613.78,"end":615.56},{"sentences":[{"text":"Cool.","start":616.09,"end":616.59,"sentiment":"neutral","sentiment_score":0.1507958471775055}],"sentiment":"neutral","sentiment_score":0.1507958471775055,"channel":0,"num_words":1,"start":616.09,"end":616.59},{"sentences":[{"text":"Yeah.","start":616.34,"end":616.58,"sentiment":"neutral","sentiment_score":0.1707298457622528},{"text":"All good, mate.","start":616.58,"end":617.56,"sentiment":"positive","sentiment_score":0.4053000907103221},{"text":"Sounds good.","start":617.94,"end":618.76,"sentiment":"positive","sentiment_score":0.5050734579563141}],"sentiment":"positive","sentiment_score":0.3994628389676412,"channel":1,"num_words":6,"start":616.34,"end":618.76},{"sentences":[{"text":"Fantastic.","start":618.81,"end":619.31,"sentiment":"positive","sentiment_score":0.5745565891265869},{"text":"Well, thank you for taking my call today, and I shall talk to you next week or the week after.","start":619.45,"end":624.27,"sentiment":"positive","sentiment_score":0.38238770961761476}],"sentiment":"positive","sentiment_score":0.3915386086418515,"channel":0,"num_words":21,"start":618.81,"end":624.27},{"sentences":[{"text":"No worries.","start":624.5,"end":624.98004,"sentiment":"neutral","sentiment_score":0.1945239156484604},{"text":"You get a bit of sleep before that baby wakes up.","start":624.98004,"end":627.4,"sentiment":"neutral","sentiment_score":0.25088895992799237}],"sentiment":"neutral","sentiment_score":0.24221741465421823,"channel":1,"num_words":13,"start":624.5,"end":627.4},{"sentences":[{"text":"Yeah.","start":627.8749,"end":628.1949,"sentiment":"neutral","sentiment_score":0.2226802110671997},{"text":"Dinner time, and I'll hit the hay, mate.","start":628.1949,"end":629.71484,"sentiment":"neutral","sentiment_score":0.31388571485877037},{"text":"Thank you so much.","start":629.71484,"end":630.77484,"sentiment":"positive","sentiment_score":0.6284616142511368}],"sentiment":"positive","sentiment_score":0.40366249130322385,"channel":0,"num_words":13,"start":627.8749,"end":630.77484},{"sentences":[{"text":"No worries, mate.","start":631.355,"end":632.075,"sentiment":"neutral","sentiment_score":0.23350978891054788},{"text":"Good luck.","start":632.075,"end":632.735,"sentiment":"neutral","sentiment_score":0.2986767068505287}],"sentiment":"neutral","sentiment_score":0.25957655608654023,"channel":1,"num_words":5,"start":631.355,"end":632.735},{"sentences":[{"text":"See you, Tony.","start":633.47485,"end":634.11487,"sentiment":"positive","sentiment_score":0.4928486744562785},{"text":"Talk soon.","start":634.11487,"end":634.85486,"sentiment":"positive","sentiment_score":0.3682157099246979}],"sentiment":"positive","sentiment_score":0.44299548864364624,"channel":0,"num_words":5,"start":633.47485,"end":634.85486},{"sentences":[{"text":"Thanks.","start":635.115,"end":635.595,"sentiment":"positive","sentiment_score":0.7472655773162842},{"text":"Bye.","start":635.595,"end":636.095,"sentiment":"positive","sentiment_score":0.46890267729759216},{"text":"Bye.","start":636.15497,"end":636.65497,"sentiment":"positive","sentiment_score":0.36419761180877686}],"sentiment":"positive","sentiment_score":0.5267886221408844,"channel":1,"num_words":3,"start":635.115,"end":636.65497},{"sentences":[{"text":"Bye.","start":636.4349,"end":636.9349,"sentiment":"neutral","sentiment_score":-0.09082865715026855}],"sentiment":"neutral","sentiment_score":-0.09082865715026855,"channel":0,"num_words":1,"start":636.4349,"end":636.9349}]},"summary":{"result":"success","short":"Yep's representative discusses their coverage for their shoulder procedures with Yep, including exclusions for their coverage and the need for a personal statement and review of coverage. They also explain the process for consolidating coverage and the customer's upcoming birthday appointment. The agent explains that the customer will need to fill out paperwork and the review will be done online, and that they will be kept on their insurance policy until the review is complete. The customer will receive a check and bounce back, and the agent will keep the policy until the review is complete."},"intents":{"segments":[{"text":"today, had a couple of questions on the insurances that we were kind of holding off on for a little while. If that rings a Yep. bell. Yep.","start_word":89,"end_word":116,"intents":[{"intent":"Check insurance availability","confidence_score":0.12240445}]},{"text":"so, mate. Like like, can I ask for your honest opinion, or do I just call my shop? No. No.","start_word":342,"end_word":361,"intents":[{"intent":"Get opinion","confidence_score":0.0048868186}]},{"text":"So you get a bit extra of insurance, but you also can still claim on those previous conditions with the cover that you do have. Yep.","start_word":498,"end_word":523,"intents":[{"intent":"Maintain policy","confidence_score":0.08496543}]},{"text":"Do we get the new policy and consolidate and have that risk as a trade off, or do Yep. we keep the RTC running for a little while longer? Yeah.","start_word":533,"end_word":562,"intents":[{"intent":"Consolidate policy","confidence_score":0.47277126}]},{"text":"Like, I'm taking big enough risk as it is. Yeah. Yeah.","start_word":583,"end_word":593,"intents":[{"intent":"Take risk","confidence_score":0.01282166}]},{"text":"That's a 100,000 worth of life and disability insurance and Mhmm. a little bit of income protection.","start_word":635,"end_word":651,"intents":[{"intent":"Get income protection","confidence_score":0.0007489372}]},{"text":"we basically just need to get you booked in to go through a personal statement. Yep.","start_word":706,"end_word":721,"intents":[{"intent":"Schedule personal statement review","confidence_score":0.0016472153}]},{"text":"I'll do the calls. We'll get you booked Yep. in. Do Yep. you want me to kind of put in a bit of a booking tonight if you know when you're available? Yeah.","start_word":1141,"end_word":1173,"intents":[{"intent":"Book appointment","confidence_score":0.030496327}]},{"text":"all the info that you told me previously, so I'm gonna try and pre bill most of it.","start_word":1307,"end_word":1324,"intents":[{"intent":"Provide information","confidence_score":0.04599604}]},{"text":"It's just time frame averages. You know? The the world Yep. goes up and down, but over a ten year period, it averages out, and that's Yep. what we're aiming for. Yeah.","start_word":1891,"end_word":1922,"intents":[{"intent":"Set expectations","confidence_score":0.006764637}]}]},"sentiments":{"segments":[{"text":"Donnie, good evening, sir. It's Tommy from. How you been? Hello?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.16426734626293182},{"text":"Good, mate. How are you going? Living the dream. Living the dream.","start_word":11,"end_word":22,"sentiment":"positive","sentiment_score":0.4522745907306671},{"text":"Business I going. do do apologize. I've got the we're doing a bit of work from home with all the fuel prices and everything, so you might hear Yeah. the baby Okay. in the background. That's all. Nah. All good, mate.","start_word":23,"end_word":63,"sentiment":"neutral","sentiment_score":0.02925604209303856},{"text":"Good to hear that sort of thing. That's fantastic. Fantastic.","start_word":64,"end_word":73,"sentiment":"positive","sentiment_score":0.5993939638137817},{"text":"Mate, I'm just gonna do a quick little security check with you. So basically Yep. today, had a couple of questions on the insurances that we were kind of holding off on for a little while. If that rings a Yep. bell. Yep. Beauty. So I just need to double check date of birth and address with you. Yeah. 24387458 Haines Road, Ballantine. Fantastic. So, basically, when it comes to the insurances, we had there was the the previous health conditions with the shoulder and everything, surgeries and so Yep. on. And Yep. we've gotten word from insurers to basically hold off until it was twelve months. Yep. You've got 40,000 worth of life and disability insurance with ARC, Yep. and we were doing a bit of a top up to a 100,000 Yep. with possibly Neos or Encompass and a bit of income protection on top of that. Yep. Now good news is your birthday's not come up till end of August, That's So we've correct. got a bit of time in terms of pricing. Perfect. Yep. Now we were expecting that if we got that through, there'd probably be some exclusions for the previous conditions and things like that in Yep. terms of that sort of thing. So what Yep. I wanted to check with you today was a couple of things. Yep. One, do you still want me to try and give them a call and see if they're still gonna offer essentially the same thing that we talked about? And do you still Mhmm. wanna go through that application? Yep. Yeah.","start_word":74,"end_word":338,"sentiment":"neutral","sentiment_score":0.003625391296304341},{"text":"I think Cool.","start_word":339,"end_word":341,"sentiment":"positive","sentiment_score":0.4254209399223328},{"text":"so, mate. Like like, can I ask for your honest opinion, or do I just call my shop? No. No. My honest opinion is two things. So I've already done the figures to make sure the premiums aren't too expensive, so they're not gonna Mhmm. butcher you super. The only $50.50 question that I've got is Mhmm. we either get Yep. this new cover and it's got some exclusions on it, and the family got a bit extra behind them.","start_word":342,"end_word":421,"sentiment":"neutral","sentiment_score":-0.016027191653847694},{"text":"That's great.","start_word":422,"end_word":423,"sentiment":"positive","sentiment_score":0.5958539247512817},{"text":"Yep. The the question just comes back down to the ART Because Yep. if you cancel all that and consolidate the soup at the hub and you've got this policy there, you're gonna have that exclusion for the, you know, the shoulder and the forearm and so on Yep. that Yep. you can't claim on? Or do we just keep that going and run two policies so that you can claim in both scenarios? So you get a bit extra of insurance, but you also can still claim on those previous conditions with the cover that you do have. Yep. So it's With really a IRT. question of yeah. Do we get the new policy and consolidate and have that risk as a trade off, or do Yep. we keep the RTC running for a little while longer? Yeah. Well, I I reckon we keep it going for a little bit longer. I agree. Yeah. Yeah. I just yeah. Like, I'm taking big enough risk as it is. Yeah. Yeah. No. Like, I think yeah. No. I'll I'll keep it going for a bit longer. Yep. And do you still want me to do the top up there? So get the extra cover on top. So what is that for again? That's a 100,000 worth of life and disability insurance and Mhmm. a little bit of income protection. Yep. Through through hub. Through it'd probably be through Encompass is probably the only one. Alright. Alright. Yeah. Yeah. Yeah. Can you do that? Yeah. So what I'll do is I'm gonna get the team to give them a buzz tomorrow, Monday, just to make Yep.","start_word":424,"end_word":697,"sentiment":"neutral","sentiment_score":-0.02031847782922487},{"text":"sure that it's worth attempting.","start_word":698,"end_word":702,"sentiment":"positive","sentiment_score":0.3771364986896515},{"text":"And then Yep. we basically just need to get you booked in to go through a personal statement. Yep. Do it off the application. They'll do all the doctor's reports and everything and take their time getting it back. Yep. I just went If that inside goes there. through all good, we'll basically talk at the next review about what to do with ART at each point in the process. Yep. Right. So yeah. So if you go through encompass and I accept it and say I'll get hurt, my shoulder and that'll go through ART if I did my shoulder again. But it won't go through Encompass just yet. Yep. Yeah. And anything else But in it terms of, you know, cancer or heart yep. attack or anything like that, that's all gonna be with the new one as well or both, actually? Through through encompass and through IRT. Yeah. You could claim on both. So so just out of like, I hope I never happened to me. Say my say my right child that goes tomorrow. And I'm through I'm I'm covered with Encompass with so if my right child goes and I'm covered with Encompass, I'll get looked after with insurance and and wage, whatever it's called. Was it the left shoulder that had the surgery or the right shoulder? No. My left child. But I'm just saying to if, for instance, if my right child went tomorrow and I was covered by Encompass, I'll get looked after. Yeah. So that's Yep. the outcome we're after is they get specific on the one body part that was preexisting and Yep. all the other Yep. body parts, illnesses that covered everything else under the sun.","start_word":703,"end_word":989,"sentiment":"neutral","sentiment_score":0.0026925690472126007},{"text":"That sounds good. Sounds good.","start_word":990,"end_word":994,"sentiment":"positive","sentiment_score":0.4750247299671173},{"text":"Yep. That's all just making sure yet. Okay. Yeah. No. Ask as many questions as you need.","start_word":995,"end_word":1011,"sentiment":"neutral","sentiment_score":0.10878365486860277},{"text":"I don't want you spending money on something that doesn't Yeah.","start_word":1012,"end_word":1022,"sentiment":"negative","sentiment_score":-0.428282767534256},{"text":"make sense Yeah. or No. is No. it I a benefit think it's to alright. you? Yeah. So when I when I did my child, I actually went to IRT about income protection and I didn't have any of them. Yeah. So, I mean, if I do my right child next week, well, I'm back. I'm I'm no no worse off than where I was before. So if I can Yeah. get something Exactly with Encompass right.","start_word":1023,"end_word":1099,"sentiment":"neutral","sentiment_score":0.002983027370646596},{"text":"in a few months' time, well, that's a bonus for me. Yeah. Awesome.","start_word":1100,"end_word":1112,"sentiment":"positive","sentiment_score":0.4163394570350647},{"text":"Yeah. I just Yep. wanted to double check it for you before Yep. we started trying to put you through paperwork. Yep. No. No. Sounds good. Cool. Alright. I'll do the calls. We'll get you booked Yep. in. Do Yep. you want me to kind of put in a bit of a booking tonight if you know when you're available? Yeah. Pretty well. Anytime 05:30, mate. Whenever it's well, I don't know what time I'm knocking off at 05:30, I'm definitely home. So whenever Yeah. whatever That's awesome. is gone. As long as it's not the August 24, mate, because I'd probably you probably by 05:30, I'm hoping I'd have a couple of beers on the by So would I. So would I. So possible sometime between, like it'll be sometime Tuesday to Thursday then. next week that we do have Yep. some people that they're available late night. Yep. And Jack there, he'll look after you and do the application pretty quickly there. I'm Yep. hoping most of it can just go through the doctor's reports rather than sitting there asking you every question under the sun. I've Oh, got yes. Yep. Yep. all the info that you told me previously, so I'm gonna try and pre bill most of it. But if he does have to ask a couple of questions, because it's this online application perhaps sometimes they go, hey. Plug in this, plug in that before you can hit submit. Yep. No. I That got will you. be the only thing. Yep. No Awesome. dramas If anything else pops up, I'll give at you a buzz to let you know. But so far, all, as long as we get it all submitted mate. in time sometime next week, Yep. they can do their doctor's report and everything, and and they've put on on the premium. Yep. I just don't want them to try and hype the price up because we got a birthday. Yep. No. Too easy.","start_word":1113,"end_word":1443,"sentiment":"neutral","sentiment_score":0.0316378132262889},{"text":"That's good. Awesome, Just mate.","start_word":1444,"end_word":1448,"sentiment":"positive","sentiment_score":0.471686452627182},{"text":"a quick question. When Yeah. Go for it. so just with my IRT, like, my wages are going I mean, super's going in there now. Do I Yep. just let just just keep letting them put it in there? And then when when it all comes down and we decide bugging you, we're just gonna go with hub. We just take it out and change accounts log. Because my super when when so when I if I if I delete ART altogether, all my super money will go into my hub account every four every fortnight. Is that right? Yeah. That's Correct. the plan at the end of the day, ain't it? Yeah. In Yeah. the interim, what we do is when I've got you booked in for that next annual review in a few months' time, Mhmm. we will basically just do a sweep across of anything that doesn't need to be in there for the insurances Yeah. and roll it across, get it invested for you. Yep. But if we can close it, we will. But like I said, we'll maintain it for a little while longer. I'll keep Yep. moving a portion across next time we speak to you in the review. Alright. And Yeah. So you'll take some out of ART and bring it across to the hub. yeah. Exactly. Right. Yep. Usually, Yep. I'll keep Right. that 10,000 in there, and anything that builds up will move it across. Yep. Right. No. That's where I was getting it. Yep. How you doing? Alright. Alrighty. Alrighty. Well, leave me to it and just Yep. keep an ear out for a call mid to late next week.","start_word":1449,"end_word":1728,"sentiment":"neutral","sentiment_score":0.04635201268164175},{"text":"No worries at all, mate. We're looking forward to it. Awesome.","start_word":1729,"end_word":1739,"sentiment":"positive","sentiment_score":0.6053021550178528},{"text":"And last thing too is I had a little check of the super just in case because obviously the world melted down like we thought it would after Christmas. Yep. And Yep. we had the bounce back, thank you. It Yeah. No. went I had a from I actually 200 had a look. to $1.88. Yeah. I had a look today, so I mean, I think I got about 207 in there today and was 10 to about 192 at one stage. Yeah. The lowest is one eighty eight, and it's bounced back One to 98. two hundred and eight. So Oh, it's 200 nightmare. Yeah. That looks like $207,500. Oh, that's yeah. good.","start_word":1740,"end_word":1853,"sentiment":"neutral","sentiment_score":0.038512539118528366},{"text":"It That's awesome.","start_word":1854,"end_word":1856,"sentiment":"positive","sentiment_score":0.4252684712409973},{"text":"mate, when the market goes up, this thing jumps $10.20, $30 pretty quickly, but it Yeah. can I also know. go down very quickly as well. So Lack of the draw, ain't it? yeah. It's just time frame averages. You know? The the world Yep. goes up and down, but over a ten year period, it averages out, and that's Yep. what we're aiming for. Yeah. No. Too easy. Too easy. Cool. Yeah.","start_word":1857,"end_word":1929,"sentiment":"neutral","sentiment_score":-0.019381092861294743},{"text":"All good, mate. Sounds good. Fantastic. Well, thank you for taking my call today, and I shall talk to you next week or the week after.","start_word":1930,"end_word":1955,"sentiment":"positive","sentiment_score":0.4094527661800385},{"text":"No worries. You get a bit of sleep before that baby wakes up. Yeah. Dinner time, and I'll hit the hay, mate.","start_word":1956,"end_word":1977,"sentiment":"neutral","sentiment_score":0.2741999328136444},{"text":"Thank you so much.","start_word":1978,"end_word":1981,"sentiment":"positive","sentiment_score":0.6126044392585754},{"text":"No worries, mate.","start_word":1982,"end_word":1984,"sentiment":"neutral","sentiment_score":0.2427968382835388},{"text":"Good luck. See you, Tony. Talk soon. Thanks. Bye. Bye.","start_word":1985,"end_word":1994,"sentiment":"positive","sentiment_score":0.45457409620285033},{"text":"Bye.","start_word":1995,"end_word":1995,"sentiment":"neutral","sentiment_score":0.17387235164642334}],"average":{"sentiment":"neutral","sentiment_score":0.04448476082113218}}}}