{"metadata":{"transaction_key":"deprecated","request_id":"01a08a2d-deac-7002-af16-67d4b7c416a6","sha256":"ab1aa82fb7f149dc68fe274700f43da619063efbd29356bb07c76d5a507974cc","created":"2026-09-10T07:17:40.699Z","duration":2713.104,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":8286,"output_tokens":136},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9379,"output_tokens":9397},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9379,"output_tokens":704}},"results":{"channels":[{"alternatives":[{"transcript":"Yeah. It's way better on my line, so perfect. Because this is a new call, I do need to let you know. Call's recorded, and sorry to do it to you, but I do need to complete security. There's a there's a a password on file? Thank you. Okay. So Caden gave me a really brief rundown, but just to recap my knowledge, partner doesn't work, hasn't worked in seven years. We have a baby not intending on returning to work anytime soon, if ever. ATO has claimed super that's been accumulated, and it's now sitting as basically ATO unclaimed funds. Cool. No. I love. What? Perfection. Man of Mary and Hart. Well, there's a couple of ways it can be done. Can I ask how much money is there? Can you repeat the amount? Sorry. Okay. Alright. Yeah. Yeah. No. That's okay. Cool. Okay. So Just kind of like the the non easiest way, but the the way that I can think of that probably the quickest is technically it's it's not quick. It's not easy, actually. But the one that's coming to mind is realistically, like, a separation of assets. Basically, it it comes down to, like, a divorce agreement where funds are then transferred over from her to you, super wise. It becomes a family law flag with the super fund, and it can be done that way. Alternatively to that, which obviously is a whole heap of paperwork and a whole lot of nonsense, you can do it without obviously paying fees. You can do it by yourself. It's just it's a lot of paperwork that $8 be transferred. That is one of the ways to kinda get around it. There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is something that's called sorry. What was that? Oh, no. Sorry. Okay. Sorry. I Yep. Okay. So yep. Okay. So you you were nonworking June, July? Like, transitioning between jobs? Okay. So transitioning between jobs doesn't allow you to claim hardship on the super. There's really, really, really specific requirements for it. Can I ask how much how like, what is your annual income? Okay. So you are a high income earner, like, in terms of sort of tax bracket. Okay. So there's there's sort of three avenues I'm kind of spitballing at the moment. If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting. Generally, we can only transfer about 85% of the funds. I need to just investigate it because, obviously, she hasn't contributed anything into the fund. How we can sort of navigate that caveat, That that could be an avenue that we could look down. Yeah? It's individual across the board. Yeah. So, like, in a in a divorce, superannuation can form part of the marital assets and can be utilized to basically transition across. So theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super. Outside of that, like, even an like a even a self no. Like, you don't have to proceed with the actual divorce. It would it's just basically paperwork wise, like, financial planning, but it's still a split headache to to go through that. She wouldn't be receiving Centrelink payments, would she? Because your income's too high. Yep. Okay. What what did we put in a claim for under Fintech Link? Like, family tax? Okay. And you said she's receiving carer's payments or allowed? Okay. Correct. Okay. So this this might actually help you. A pay a carer's allowance is about a $114 a fortnight. Carer's payment is 6 something per fortnight. Okay. Might might still be the allowance. The the allowance figures increased in March. It's I haven't quite memorized them all yet. Okay. So $1.50. Realistically, if you can confirm what the payment type is, she may actually be able to withdraw the money under possibly some type of financial hardship, and that'll just remove it from the super environment. It will no longer exist in the super environment, and, basically, she'll never have the super funds, and the money comes to you guys and as it like, in your bank account. The downside to this is she has to pay tax on that money because currently, the money in super is only paid superannuation tax, which is 15%, she has to she'll have to pay up to it's up to 22% of the amount. Yeah. So, like, essentially, it'd be under $2. You'd still end up walking away with sort of 6 3 six 2 something. So they will ask for confirmation of Centrelink. So first and foremost, what I'd probably do is, as simple as they are, call Centrelink, and I can email you this. It's called q two thirty. It's basically with authority document that stipulates that you are eligible under the superannuation hardship ruling. That is the first thing that I would do before you even entertain jumping onto the APO. From there, I would then once you get that, you can then jump onto the APO website and go through the financial hardship clause. They will ask the supporting evidence. That supporting evidence will be unpaid bills, bank statements from her showing no comp no money coming in type of thing. They will ask for and when I say unpaid bills, you like, you need to show unpaid bills. If if there's invoices for, like like, you know, for example, kids at school or dentist bills or, you know, anything that you guys are needing to do in the near future, and you can go like, receipts of not receipts, but bills for or invoices for, include those. The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim. We're we're we're we're caught we're we're caught up. Yeah. Yeah. That's the only thing. We do. That's my favorite bank. I don't have one of those, but I I get the concept. Well so under that, would dad be willing to go to a JP, like a justice of the peace, and sign a statutory declaration state stating that he loaned x amount of money to you guys with the caveat that had to be repaid by Xdate showing a debt, and he and, like, you could you could write like, your partner could write a a stat deck being like, this happened. Like, you know, Christopher lost job. We had all of these bills that were unpaid. We were gonna default on, lose whatever. Tell the story. Don't lie. Tell the story. Sign off under a stat deck, and then go to dad and be like, dad loaned us this money. Then dad has the intention of paying it. Blah blah blah. Dad has to do that one, obviously. Because because a loan from a from a a friend or family member still counts under the ATO claim. Yeah. But that's that's kind of the way you could do it. The only yeah. You still need the q two thirty. Because you're you're going it's the q 230 is it's not a form. It's it's it's basically a document of approval that you meet Centrelink requirements. It has a really long stupid name, but it's it's in the industry, it's known as a q two thirty. If you call Centrelink and say, hey. We're we're looking for a q two thirty, any of the the administration team are gonna know what you're talking about. If they don't, they're probably new, and it's just I'm looking to claim financial hardship. Can you provide confirmation that I am that I do get correct correct support payments? I'm just I'm just trying to look up whether the payments that she's on are approved payments because, basically, I'm cool. Family tax a and b don't. Carers allowance doesn't. It's the carers payment that does because it is an income support payment. So it's gonna come down to whether she gets the carers payment or not. Who can I ask who she cares for? Yep. Yep. Yeah. Yeah. Yep. Okay. So that's the care's allowance. Look. It's not looking good if that's the one she's on, because it's a payment that is the eligible component. However, carer's payments income tested and granted your income is yeah. Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff. So, yeah, you would you yeah. She wouldn't be eligible for that. Yeah. Okay. So we're back down to our other avenues. Family tax, carers payment, job seeker, disability support pension, parenting payments. Are we planning on having more kids? Oh, you want one more with me? Three feet of the back seat. It was that was good enough. Okay. How old's the youngest? Oh, cute. Good. They are, aren't they? We're sleeping through yet? Is your daughter sleeping through? Yeah. Oh, she she just likes to snuggle. That's fair. Absolutely. Okay. So based on no. You can't blame them at all. Like, honestly, they're adorable. My youngest is five. I kinda miss the baby days. Anyway, I've just had a quick look, and realistically speaking, yeah. Like, the the money is pretty much locked in. She's not gonna get hardship because her the payments that she received are not eligible for the q 02/30. Look. You can give it a shot in the dark. It's only a phone call to Centrelink, but if it's the carer's allowance that she's getting, it's not an income support payment, so it doesn't meet requirements. You earn too much for her to get parenting payment. You earn too much for her to get carers payments, which what is you will only get one of them. You don't ever get both. No. It's not. It's not considered income support. Yeah. Not under not under, like, the q two thirty. Yeah. I know. It's a pay. Yeah. Yeah. It's the the frustrating part is, like like, when I say it's a q two thirty form, it's not a it's not a form. It's a q two thirty letter of approval, basically. The app the application for it is literally a phone call saying, hi. Do I meet the requirements for q two thirty? And the requirements are twenty six weeks of ongoing continuous income support payments, which if you if you get assessed and they back pay you, that that would basically cover your, like, your your period of time because they'll back pay you, and, basically, it will be as if you had ongoing payments during that period. But it'll all come down to that assessment. Obviously, you have to get approved for the payment first and then just give them a call and have a chat to them. But I'm not exactly hopeful, to be completely honest. I'll have a look, and I'll have a bit of a dig and start brainstorming a little bit just to see if there's any other avenues that I can that are not, like, glaringly obvious or, you know, straight up that I can kinda think of that obviously don't go down the let's financially separate and have a cute document. Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else. So not necessarily an avenue you wanna go. You can always stay with hub twenty you can stay with hub twenty four under an SMSF. Like, it's not impossible. Yeah. Let me have a look into it and see if there's a way that I can maybe operate it. Let me let me look into it because I don't think that I'm really I'm racking my head and talking out loud, but let let me look yeah. Let me look into it and see if there's, like, a a weird, wonderful way that we can do it. But it's $8, so it's that weird kind of it's a bit of money, but it's not a heap of money. It was like yeah. Yeah. And, like, the frustrating part is as well, the APO holding it, they invested on your behalf and do nothing much with it. Can I ask? Would you, like I will look into the other avenue, but would you be interested in possibly boosting the account? We can invest the money. We can boost it and get things happening for retirement for her. Because, like, realistically, we're planning on being together long term year and year, what, thirty four? So, you know, we've got thirty years. I'm assuming wife is of the same age. Would you wanna, like, look at possibly doing some stuff in that avenue where you could contribute to the fund? Mhmm. Because what yeah. Because what we could do and, again, I will look at this as option b and look at option a as the first one, like, you know, see if we can get cash out. Option b is there's two types of contribute well, there's three types of contributions. One the first one doesn't work for her because she's not working, so we're gonna write that off. The two that remain are personal and spousal. Because she doesn't earn a taxable income, unless there's something you haven't told me about, but because she doesn't earn a taxable income, her and you are out of a higher tax bracket, you you could basically put a thousand dollars in under what's called a personal contribution, and the government will co contribute into the fund. So you put a thousand dollars in, the government will pay 500. So it's basically $500 of free money. Avenue number two is you can put up to $3 in per year, and you, as in Christopher, gets a personal tax rebate. So it's it's $3 in. You'll get 18% of that $3, which is $540 back on your tax. Exactly. So it's a tax free rate there. So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500. So that is an avenue which would see her basically grow her account by $4.5 a year in contributions, and you get that cute little tax rebate on your income, drop down the tax. Super her super fund pays no tax on that amount because of the avenue that it contributed, and it's a way to kinda grow the account that way. It obviously affects cash flow for the family and needs to be considered in that avenue, but that is a possibility that we could go down as well and we could look at how that would work strategically. Yep. No. Over the year. Can't be pretax. It's post tax money. You there's there's a couple of ways that we can set it up. We could basically have her account just auto deduct from a bank account each week, fortnight, and a month, whatever cycle you wanna do it on, and pay it that way. I'd have to look at the spousal contribution because these are two two different contribution types. They have to be they have to be paid in under different reference codes. So it does like, it it it matters how they the money lands, really. But I I can investigate the the specifics of whether I can get that basically withdrawn from your account. The other avenue is you just set up a automatic transfer from your bank account over to, like, the hub pay for bank account or whatever super fund, like, we go with. I mean, it's an intriguing thought process. I I'm gonna be honest, been in the decades been in the industry for over a decade, haven't had that one posed to me. But let me have a look into it and see whether it's actually a possibility. Because because, like, your employer would have an an has an obligation to ensure that they pay your SG. So your super like, your super guarantee contributions. They have to make sure that they meet their their legislative obligation. Anything on top of that? Yeah. Yes. Yeah. But think about it. Like, the you were in a 100 I I I'm gonna double check. Your $175 income, is that your base salary super on top, or is that inclusive? So the 12.5 that you get paid on top of that, that's $218.75. So from that money goes into your super. You actually can split that amount of money, and it gets paid into you can actually transfer that into your wife's super. But it happens after the money's landed in your account. It's called spousal splitting, and up to 70 up to 85 of the contributions in a year can be split and transferred to a spouse's account. But I'm I'm I'm gonna be pretty clear about this. More money makes more money. Your income and the contributions going into your account your account would generally make more sense. The only time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where we're at for this kind of avenue. Because $4,000 did you say you get paid fortnightly? So $4,000 a fortnight is a 100 and just call it a $154 a fortnight. That like, for the $4, if you want to put the three plus the one into the like, into your wife's account, it'd be a hun $154 a fortnight that you would transfer over to the super fund. So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else? Yep. Alright. Well, why don't we do this? Why don't I organize a time that I can sit down sit down? We can video call. I don't I don't mind. Where I can speak to yourself and I'm sorry. What was your wife's name? Perfect. I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting. I can do a little bit of research we've kinda talked about to see whether there's any other avenues that pop up. We can involve her in the conversation, and we are able to maybe do some joint financial advice planning with the two of you. I can get a little bit more information about her. And, obviously, it's a consent conversation as well, to be honest, because it is technically her money. So I'm legally not allowed to act on your instruction. It has to be hers. And but this this conversation's fine because it it's it's general in nature when you're not telling me to go do a thing, and I'm irrespective. I can't go do a thing. I need her to sign off on it. But we can realistically go and do some planning, strategizing, and I can kind of, I guess, wrap the realistically, your annual review's due. So I can wrap that all up into one big conversation. We can do a nice big strategy meeting with the the the three of us and and look at how we can plan. Not only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything. Talk about Okay. We can maybe look at some like, if you wanted to do some investing for the kids, put money away from to them, any other avenues that, you know, we can kinda come up with and just make it a bigger conversation. Okay. Okay. Okay. Okay. So I will go down Avenue A and see if I can pull the $8 and and see what that looks like. I will do a little bit of research this afternoon tomorrow and get you an email tomorrow at the latest and just provide you with, like, a little bit more clarity and, I guess, stop talking while I'm trying to think and actually just stop and think. And then you can hear the cogs turning. And then from there, we can sort of, I guess, still sit down and have that conversation. Because even if it is just that we're gonna withdraw the money, we can maybe have a meeting about what that what the tax is, whether we wanna go down that avenue. Is that what she wants? I can issue I can send the paperwork to you, and we can still have a broader conversation. Can I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that? Because I can I can literally just book it in now? I was gonna kinda go from there. How about I can do you one better? Tuesday after 05:00. Oh, I can do that. Yeah. Okay. Do you just want 5PM on the dock, 05:30, give you a little bit of time to put your bag down and make coffee? Okay. Alright. Perfect. I will pop it in my calendar. I will send you a meeting and, like, I'll invite you into the calendar invite as well. Do you wanna do it, like, a Meet meeting and we can have a video conference, or do you wanna just have a phone call? Cool. Yeah. That's fine. Cool. Let's just we'll keep it at Google Meet, face to face and go from there. Face to name type of thing. And that way you have it in your calendar. I'll do my research. We can have a little bit more of a a planning strategy. Loans. Do you know where the loans currently sit roughly? You don't have to give me exact figures. Yeah. Yep. Regalco. Yep. Yep. Oh. I mean, that that that one's fine. Okay. What did can I ask? What did what did grandma loan money for? Yep. It's clear. Yeah. Yeah. Fair. It just gets gets us in a little bit better in cash flow position. Okay. So do we currently have a broker that we're talking to? Yep. Yep. Okay. Did we go direct to CBA, or did we go through a barcode? Okay. Yep. Okay. No. That's okay. Alright. Yep. Yeah. No. No. It it it wouldn't have been like, if you made the payment within, like, pretty quickly, it's fine. Everyone has a missed payment. Okay. So alright. So we're currently going down broker route. Looks like we should have enough coverage. So if we're approved for yeah? Six zero six bowing? Did you say? Okay. Yeah. Can I ask, did we have the discussion with the broker about doing alternatives to putting it all on the mortgage? Like, having a couple of different loans on the mortgage where we just use, like, we put, say, grandma home loan. My biggest concern is and I I like and I I'm again, I'm just kind of without having a look at the proposal, I'm just kind of looking at it. Grandma's interest rate's really low when it's a family loan, so it's not really like, by the time of it, it's not really an interest rate that's compounding. And we're gonna go and put a $100 on our home loan that we're then gonna pay off over thirty years at, let's say, a six point something percent interest rate. So over the next thirty years, we're gonna end up compounding that, and it's gonna be much more than we would have paid grandma. While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan? I'm gonna be clear. Not a mortgage broker, but have seen it plenty of times where we can structure the loan to have the mortgage two loans consolidated and then have, like, the smaller ZIP credit card, dad, mom, grandma on another loan that is using the equity of the house using the ex like, using the home loan rate, but not over thirty years. Or have it over thirty years to have it on a second account where we smash money into that one. Pay minimums on the home loan and smash off the rest of it and have two loans on the house rather than just I'm just concerned about putting all of it into one mortgage and having I mean, dad and grandma, we're not paying interest really. If I'm being frank, that's a $113,500 that is currently technically interest free that you're gonna go and put 6% interest for thirty years on. Yep. Yeah. Basically, just pinball the money around, let people get equity in their home, and then throw it back out and handball it again. No. I get that from her point of view. Okay. So hands tied behind back. Okay. Alright. No. No. That that's okay. I just I mhmm. Sorry. Yes. No. I I don't have an answer. I'm I'm just I'm just expressing concern over the specific structuring and not potentially looking at don't be wrong. Like, it like, what I'm suggesting is a little bit, like, left field, but it's not stupid insane. It's just structuring it a little bit differently to save on interest over the long term. So it just depend on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before. It's, like, structuring loans in different ways to specifically get these kinds of benefit. Because consolidate like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off. Granted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you. And different brokers work in different ways. So it could be something that's restricted from us being able to do that right now. It it just all depends on circumstance and your broker and what avenues they've looked at. Because even in my industry, every adviser is different. Can be. Yes. Yep. It also depends on equity in your house. So, like, what your LVR is. It it has a so it it it depends on all the variables that are that are sitting there. But yeah. Look. I'm I'm I'm literally just spitballing with you ahead of our meeting because you've now got the thoughts flowing. But look. I what I might do is I'll just I'll reach out to one of my broker friends and colleagues, and I'll just have a conversation, about whether CBA offer this avenues just as a general, obviously, not disclosing of your personal information, and just kind of spitball with them to see if it's the avenue it could have. And then we'll meet next Tuesday. I can give you all the information that I've found, everything that I've got that I've got. I'll send the invite, and we can we can just kind of go from there and just see where we land the options that we have available. Cool. Perfect. Well, I have def definitely choose your ear off for more than you probably intended, but I think we can probably get a pretty decent plan going. Me either, but that's okay. I think we can get a pretty decent plan going ahead. I'm actually kind of excited for it. So let me get my notes in. Let me start doing some research happening, and I'll meet with you next Tuesday. Nope. That's okay, Crystal. Looking forward to it. Bye.","confidence":0.99609375,"words":[{"word":"yeah","start":0.0,"end":0.5,"confidence":0.6131592,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.143445685505867},{"word":"it's","start":1.56,"end":2.06,"confidence":0.39245605,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2005351483821869},{"word":"way","start":3.12,"end":3.62,"confidence":0.7631836,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.31530678272247314},{"word":"better","start":7.04,"end":7.2799997,"confidence":0.9448242,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.4952296614646912},{"word":"on","start":7.2799997,"end":7.3599997,"confidence":0.38305664,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6049662828445435},{"word":"my","start":7.3599997,"end":7.52,"confidence":0.9980469,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6142422556877136},{"word":"line","start":7.52,"end":7.7599998,"confidence":0.6768799,"punctuated_word":"line,","sentiment":"positive","sentiment_score":0.6740090847015381},{"word":"so","start":7.7599998,"end":8.24,"confidence":0.84228516,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8396767973899841},{"word":"perfect","start":8.24,"end":8.74,"confidence":0.7541504,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6945368051528931},{"word":"because","start":9.44,"end":9.76,"confidence":0.71191406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.12411613017320632},{"word":"this","start":9.76,"end":9.92,"confidence":0.9472656,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0990101546049118},{"word":"is","start":9.92,"end":10.08,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09051990509033205},{"word":"a","start":10.08,"end":10.16,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09780530631542206},{"word":"new","start":10.16,"end":10.24,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.06904898583889008},{"word":"call","start":10.24,"end":10.4,"confidence":0.97314453,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.04201140254735947},{"word":"i","start":10.4,"end":10.559999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022393010556697845},{"word":"do","start":10.559999,"end":10.639999,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.014668650925159454},{"word":"need","start":10.639999,"end":10.8,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02777808904647827},{"word":"to","start":10.8,"end":10.88,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027659710496664047},{"word":"let","start":10.88,"end":11.04,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03654279559850693},{"word":"you","start":11.04,"end":11.12,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03185074031352997},{"word":"know","start":11.12,"end":11.28,"confidence":0.7709961,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.033087994903326035},{"word":"call's","start":11.28,"end":11.5199995,"confidence":0.552124,"punctuated_word":"Call's","sentiment":"neutral","sentiment_score":0.00032319006277248263},{"word":"recorded","start":11.5199995,"end":12.0,"confidence":0.73547363,"punctuated_word":"recorded,","sentiment":"neutral","sentiment_score":-0.0028770631179213524},{"word":"and","start":12.0,"end":12.24,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.023154612630605698},{"word":"sorry","start":12.24,"end":12.559999,"confidence":0.5283203,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.052759312093257904},{"word":"to","start":12.559999,"end":12.639999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04512595385313034},{"word":"do","start":12.639999,"end":12.799999,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04265537112951279},{"word":"it","start":12.799999,"end":12.88,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.020891280844807625},{"word":"to","start":12.88,"end":13.04,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.037131186574697495},{"word":"you","start":13.04,"end":13.2,"confidence":0.89697266,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.03368049114942551},{"word":"but","start":13.2,"end":13.36,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.035874828696250916},{"word":"i","start":13.36,"end":13.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04178278148174286},{"word":"do","start":13.44,"end":13.599999,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04343469440937042},{"word":"need","start":13.599999,"end":13.759999,"confidence":0.99609375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.037968069314956665},{"word":"to","start":13.759999,"end":13.92,"confidence":0.5180664,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03263922035694122},{"word":"complete","start":13.92,"end":14.24,"confidence":0.74853516,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":-0.040655601769685745},{"word":"security","start":14.24,"end":14.74,"confidence":0.99902344,"punctuated_word":"security.","sentiment":"neutral","sentiment_score":-0.022722460329532623},{"word":"there's","start":15.715,"end":16.195,"confidence":0.984375,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.012957846745848656},{"word":"a","start":16.195,"end":16.675,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00012604519724845886},{"word":"there's","start":16.675,"end":16.994999,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0005255894502624869},{"word":"a","start":16.994999,"end":17.475,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005906819365918636},{"word":"a","start":17.475,"end":17.555,"confidence":0.77246094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004151257686316967},{"word":"password","start":17.555,"end":18.055,"confidence":0.9980469,"punctuated_word":"password","sentiment":"neutral","sentiment_score":-0.0031802766025066376},{"word":"on","start":18.115,"end":18.275,"confidence":0.9394531,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.011447004042565824},{"word":"file","start":18.275,"end":18.775,"confidence":0.7104492,"punctuated_word":"file?","sentiment":"neutral","sentiment_score":-0.004755331669002771},{"word":"thank","start":21.075,"end":21.314999,"confidence":0.99316406,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.3305477499961853},{"word":"you","start":21.314999,"end":21.814999,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.30090802907943726},{"word":"okay","start":22.435,"end":22.914999,"confidence":0.967041,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.036165185272693634},{"word":"so","start":22.914999,"end":23.414999,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00954052433371544},{"word":"caden","start":23.555,"end":23.955,"confidence":0.6522217,"punctuated_word":"Caden","sentiment":"neutral","sentiment_score":0.011586422100663183},{"word":"gave","start":23.955,"end":24.195,"confidence":0.9980469,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.0044979527592659},{"word":"me","start":24.195,"end":24.355,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0004282742738723755},{"word":"a","start":24.355,"end":24.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.001724960282444954},{"word":"really","start":24.435,"end":24.755,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0010098181664943695},{"word":"brief","start":24.755,"end":24.994999,"confidence":1.0,"punctuated_word":"brief","sentiment":"neutral","sentiment_score":0.03969092667102814},{"word":"rundown","start":24.994999,"end":25.494999,"confidence":0.82250977,"punctuated_word":"rundown,","sentiment":"neutral","sentiment_score":0.009939413517713548},{"word":"but","start":25.555,"end":26.055,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.004362650215625763},{"word":"just","start":27.075,"end":27.235,"confidence":0.90234375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0108600165694952},{"word":"to","start":27.235,"end":27.314999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006124265491962433},{"word":"recap","start":27.314999,"end":27.715,"confidence":0.99902344,"punctuated_word":"recap","sentiment":"neutral","sentiment_score":0.0006303992122411728},{"word":"my","start":27.715,"end":27.875,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.022626681253314015},{"word":"knowledge","start":27.875,"end":28.375,"confidence":0.9099121,"punctuated_word":"knowledge,","sentiment":"neutral","sentiment_score":-0.019157905131578445},{"word":"partner","start":28.994999,"end":29.494999,"confidence":0.9760742,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.0853218361735344},{"word":"doesn't","start":30.09,"end":30.33,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.06600351631641388},{"word":"work","start":30.33,"end":30.81,"confidence":0.9338379,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.07758305966854095},{"word":"hasn't","start":30.81,"end":31.050001,"confidence":0.9914551,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.06971240788698196},{"word":"worked","start":31.050001,"end":31.29,"confidence":0.9941406,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":-0.0838935598731041},{"word":"in","start":31.29,"end":31.45,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06692540645599365},{"word":"seven","start":31.45,"end":31.69,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.08422276377677917},{"word":"years","start":31.69,"end":32.190002,"confidence":0.88134766,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.06910719722509384},{"word":"we","start":32.41,"end":32.91,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0788324698805809},{"word":"have","start":32.97,"end":33.21,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06754487752914429},{"word":"a","start":33.21,"end":33.37,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.056394174695014954},{"word":"baby","start":33.37,"end":33.87,"confidence":1.0,"punctuated_word":"baby","sentiment":"neutral","sentiment_score":-0.07942194491624832},{"word":"not","start":34.09,"end":34.25,"confidence":0.5722656,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08887175470590591},{"word":"intending","start":34.25,"end":34.49,"confidence":0.92822266,"punctuated_word":"intending","sentiment":"neutral","sentiment_score":-0.07153704017400742},{"word":"on","start":34.49,"end":34.65,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09151781350374222},{"word":"returning","start":34.65,"end":34.97,"confidence":0.9941406,"punctuated_word":"returning","sentiment":"neutral","sentiment_score":-0.10654693841934204},{"word":"to","start":34.97,"end":35.13,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0828082412481308},{"word":"work","start":35.13,"end":35.37,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07076775282621384},{"word":"anytime","start":35.37,"end":35.85,"confidence":0.8828125,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":-0.123054601252079},{"word":"soon","start":35.85,"end":36.17,"confidence":0.79248047,"punctuated_word":"soon,","sentiment":"neutral","sentiment_score":-0.09161031991243362},{"word":"if","start":36.17,"end":36.33,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07853858172893524},{"word":"ever","start":36.33,"end":36.83,"confidence":0.98339844,"punctuated_word":"ever.","sentiment":"neutral","sentiment_score":-0.06509774923324585},{"word":"ato","start":38.73,"end":39.23,"confidence":0.98950195,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":-0.035583190619945526},{"word":"has","start":39.29,"end":39.61,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.055554069578647614},{"word":"claimed","start":39.61,"end":40.11,"confidence":0.97314453,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":-0.03739790990948677},{"word":"super","start":40.81,"end":41.13,"confidence":0.9604492,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0350952222943306},{"word":"that's","start":41.13,"end":41.37,"confidence":0.9926758,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.035983189940452576},{"word":"been","start":41.37,"end":41.61,"confidence":0.94140625,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04011114686727524},{"word":"accumulated","start":41.61,"end":42.09,"confidence":0.86743164,"punctuated_word":"accumulated,","sentiment":"neutral","sentiment_score":-0.035544201731681824},{"word":"and","start":42.09,"end":42.25,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.025193359702825543},{"word":"it's","start":42.25,"end":42.489998,"confidence":0.98999023,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.026272213086485863},{"word":"now","start":42.489998,"end":42.73,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.040581390261650085},{"word":"sitting","start":42.73,"end":42.97,"confidence":0.9892578,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.021780699491500854},{"word":"as","start":42.97,"end":43.13,"confidence":0.9707031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.014640314504504204},{"word":"basically","start":43.13,"end":43.61,"confidence":0.8574219,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.016027303412556648},{"word":"ato","start":43.61,"end":44.11,"confidence":0.98657227,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":-0.023833375424146652},{"word":"unclaimed","start":45.405,"end":45.905,"confidence":0.9921875,"punctuated_word":"unclaimed","sentiment":"neutral","sentiment_score":-0.02823375165462494},{"word":"funds","start":46.285,"end":46.785,"confidence":0.98095703,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.04455018416047096},{"word":"cool","start":49.085,"end":49.585,"confidence":0.9885254,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.03874053433537483},{"word":"no","start":62.3,"end":62.46,"confidence":0.83251953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06820088624954224},{"word":"i","start":62.46,"end":62.62,"confidence":0.8857422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0916106104850769},{"word":"love","start":62.62,"end":63.12,"confidence":0.7729492,"punctuated_word":"love.","sentiment":"neutral","sentiment_score":0.13826122879981995},{"word":"what","start":63.18,"end":63.5,"confidence":0.701416,"punctuated_word":"What?","sentiment":"neutral","sentiment_score":0.12017211318016052},{"word":"perfection","start":63.5,"end":64.0,"confidence":0.97233075,"punctuated_word":"Perfection.","sentiment":"positive","sentiment_score":0.5775448083877563},{"word":"man","start":65.5,"end":65.74,"confidence":0.6308594,"punctuated_word":"Man","sentiment":"neutral","sentiment_score":0.256547749042511},{"word":"of","start":65.74,"end":65.9,"confidence":0.82128906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23231008648872375},{"word":"mary","start":65.9,"end":66.14,"confidence":0.23571777,"punctuated_word":"Mary","sentiment":"neutral","sentiment_score":0.2901783883571625},{"word":"and","start":66.14,"end":66.22,"confidence":0.91748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3106641471385956},{"word":"hart","start":66.22,"end":66.7,"confidence":0.7253418,"punctuated_word":"Hart.","sentiment":"neutral","sentiment_score":0.2165442407131195},{"word":"well","start":66.7,"end":67.2,"confidence":0.9970703,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03556901961565018},{"word":"there's","start":68.619995,"end":68.94,"confidence":0.9482422,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.03600194305181503},{"word":"a","start":68.94,"end":69.1,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03297048062086105},{"word":"couple","start":69.1,"end":69.42,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.026255007833242416},{"word":"of","start":69.42,"end":69.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051667310297489166},{"word":"ways","start":69.58,"end":70.08,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.05889333784580231},{"word":"it","start":70.38,"end":70.619995,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08002445846796036},{"word":"can","start":70.619995,"end":70.94,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05992970988154411},{"word":"be","start":70.94,"end":71.34,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05607619881629944},{"word":"done","start":71.34,"end":71.84,"confidence":0.99902344,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.0313769206404686},{"word":"can","start":72.825005,"end":73.065,"confidence":0.9902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.0006382409483194351},{"word":"i","start":73.065,"end":73.225006,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007162639871239662},{"word":"ask","start":73.225006,"end":73.705,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.007690172642469406},{"word":"how","start":73.705,"end":73.945,"confidence":0.5058594,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.002123462036252022},{"word":"much","start":73.945,"end":74.105,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.005727309733629227},{"word":"money","start":74.105,"end":74.265,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.009915405884385107},{"word":"is","start":74.265,"end":74.425,"confidence":0.93359375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0016469601541757584},{"word":"there","start":74.425,"end":74.925,"confidence":0.9838867,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.003375005908310414},{"word":"can","start":84.185005,"end":84.505005,"confidence":0.90234375,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.004726838320493698},{"word":"you","start":84.505005,"end":84.665,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001924792304635048},{"word":"repeat","start":84.665,"end":85.065,"confidence":1.0,"punctuated_word":"repeat","sentiment":"neutral","sentiment_score":-0.000815998762845993},{"word":"the","start":85.065,"end":85.145004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003258095122873783},{"word":"amount","start":85.145004,"end":85.545006,"confidence":0.9885254,"punctuated_word":"amount?","sentiment":"neutral","sentiment_score":-0.012241827324032784},{"word":"sorry","start":85.545006,"end":86.045006,"confidence":0.97216797,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.044058751314878464},{"word":"okay","start":90.49,"end":90.89,"confidence":0.9550781,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.013319880701601504},{"word":"alright","start":90.89,"end":91.369995,"confidence":0.98217773,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.024230284616351128},{"word":"yeah","start":91.369995,"end":91.61,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02038043737411499},{"word":"yeah","start":91.61,"end":91.85,"confidence":0.90625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017496103420853615},{"word":"no","start":91.85,"end":91.93,"confidence":0.94750977,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.009174654260277748},{"word":"that's","start":91.93,"end":92.17,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.054408617317676544},{"word":"okay","start":92.17,"end":92.49,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0668291300535202},{"word":"cool","start":92.49,"end":92.99,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.10435827821493147},{"word":"okay","start":94.009995,"end":94.49,"confidence":0.9741211,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02027868665754795},{"word":"so","start":94.49,"end":94.99,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.010799143463373184},{"word":"just","start":105.024994,"end":105.265,"confidence":0.44677734,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.014654610306024551},{"word":"kind","start":105.265,"end":105.424995,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.026989705860614777},{"word":"of","start":105.424995,"end":105.585,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030100181698799133},{"word":"like","start":105.585,"end":106.085,"confidence":0.5830078,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02833598107099533},{"word":"the","start":108.30499,"end":108.80499,"confidence":0.3996582,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03925945609807968},{"word":"the","start":109.104996,"end":109.185,"confidence":0.86621094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05524611473083496},{"word":"non","start":109.185,"end":109.505,"confidence":0.8076172,"punctuated_word":"non","sentiment":"neutral","sentiment_score":-0.0491943396627903},{"word":"easiest","start":109.505,"end":109.905,"confidence":0.6245117,"punctuated_word":"easiest","sentiment":"neutral","sentiment_score":-0.05270220339298248},{"word":"way","start":109.905,"end":110.145,"confidence":0.92456055,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.05330418795347214},{"word":"but","start":110.145,"end":110.384995,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04912620782852173},{"word":"the","start":110.384995,"end":110.704994,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08686321973800659},{"word":"the","start":110.704994,"end":110.865,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0854913592338562},{"word":"way","start":110.865,"end":111.104996,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.054807014763355255},{"word":"that","start":111.104996,"end":111.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07570746541023254},{"word":"i","start":111.265,"end":111.34499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0718766376376152},{"word":"can","start":111.34499,"end":111.66499,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.06365931034088135},{"word":"think","start":111.66499,"end":111.905,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04237132519483566},{"word":"of","start":111.905,"end":112.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0804373100399971},{"word":"that","start":112.784996,"end":113.104996,"confidence":0.51904297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.058963365852832794},{"word":"probably","start":113.104996,"end":113.604996,"confidence":0.3972168,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07606833428144455},{"word":"the","start":113.66499,"end":113.905,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08728883415460587},{"word":"quickest","start":113.905,"end":114.405,"confidence":1.0,"punctuated_word":"quickest","sentiment":"neutral","sentiment_score":-0.07128046452999115},{"word":"is","start":115.024994,"end":115.34499,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09359171986579896},{"word":"technically","start":115.34499,"end":115.84499,"confidence":0.9404297,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.08415058255195618},{"word":"it's","start":118.29,"end":118.689995,"confidence":0.9716797,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10965277999639512},{"word":"it's","start":118.689995,"end":118.85,"confidence":0.96118164,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.12874430418014526},{"word":"not","start":118.85,"end":119.09,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.137364000082016},{"word":"quick","start":119.09,"end":119.33,"confidence":0.98583984,"punctuated_word":"quick.","sentiment":"neutral","sentiment_score":-0.1594727337360382},{"word":"it's","start":119.33,"end":119.49,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14889070391654968},{"word":"not","start":119.49,"end":119.65,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15149936079978943},{"word":"easy","start":119.65,"end":119.97,"confidence":0.87109375,"punctuated_word":"easy,","sentiment":"neutral","sentiment_score":-0.14484669268131256},{"word":"actually","start":119.97,"end":120.47,"confidence":0.951416,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":-0.12329097092151642},{"word":"but","start":120.93,"end":121.09,"confidence":0.7739258,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06594351679086685},{"word":"the","start":121.09,"end":121.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033881429582834244},{"word":"one","start":121.25,"end":121.409996,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.014111176133155824},{"word":"that's","start":121.409996,"end":121.57,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.024838602170348167},{"word":"coming","start":121.57,"end":121.97,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.004537902772426605},{"word":"to","start":121.97,"end":122.13,"confidence":0.71972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029900267720222473},{"word":"mind","start":122.13,"end":122.53,"confidence":0.9277344,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":-0.004698343575000763},{"word":"is","start":122.53,"end":122.77,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03782397508621216},{"word":"realistically","start":122.77,"end":123.27,"confidence":0.8659668,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.017872251570224762},{"word":"like","start":125.49,"end":125.729996,"confidence":0.9584961,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.012908115983009338},{"word":"a","start":125.729996,"end":126.229996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028802014887332916},{"word":"separation","start":127.09,"end":127.57,"confidence":0.99902344,"punctuated_word":"separation","sentiment":"neutral","sentiment_score":-0.05513763800263405},{"word":"of","start":127.57,"end":127.81,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.035277627408504486},{"word":"assets","start":127.81,"end":128.31,"confidence":0.99902344,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.045489534735679626},{"word":"basically","start":129.33,"end":129.81,"confidence":0.9921875,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.004256682004779577},{"word":"it","start":129.81,"end":130.13,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02335003763437271},{"word":"it","start":130.13,"end":130.45,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019289731979370117},{"word":"comes","start":130.45,"end":130.77,"confidence":0.9980469,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.0197957307100296},{"word":"down","start":130.77,"end":130.93,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02107464149594307},{"word":"to","start":130.93,"end":131.09,"confidence":0.9663086,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.002081140875816345},{"word":"like","start":131.09,"end":131.25,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.008359964936971664},{"word":"a","start":131.25,"end":131.33,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005319699645042419},{"word":"divorce","start":131.33,"end":131.83,"confidence":0.99902344,"punctuated_word":"divorce","sentiment":"neutral","sentiment_score":-0.029366932809352875},{"word":"agreement","start":131.97,"end":132.47,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.0032715871930122375},{"word":"where","start":132.85501,"end":133.015,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02437140792608261},{"word":"funds","start":133.015,"end":133.41501,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.043281637132167816},{"word":"are","start":133.41501,"end":133.49501,"confidence":0.9760742,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03490662947297096},{"word":"then","start":133.49501,"end":133.735,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.050049155950546265},{"word":"transferred","start":133.735,"end":134.21501,"confidence":0.99902344,"punctuated_word":"transferred","sentiment":"neutral","sentiment_score":0.03990495949983597},{"word":"over","start":134.21501,"end":134.695,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0621560662984848},{"word":"from","start":134.695,"end":135.195,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.058513760566711426},{"word":"her","start":135.57501,"end":135.815,"confidence":0.9980469,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.04779675602912903},{"word":"to","start":135.815,"end":136.05501,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08566364645957947},{"word":"you","start":136.05501,"end":136.55501,"confidence":0.7878418,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.08207178115844727},{"word":"super","start":137.015,"end":137.335,"confidence":0.84277344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2081347107887268},{"word":"wise","start":137.335,"end":137.835,"confidence":0.9765625,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.09218015521764757},{"word":"it","start":137.895,"end":138.05501,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07330361753702164},{"word":"becomes","start":138.05501,"end":138.375,"confidence":1.0,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.10489995032548904},{"word":"a","start":138.375,"end":138.455,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07846005260944366},{"word":"family","start":138.455,"end":138.77501,"confidence":0.99902344,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.0760822594165802},{"word":"law","start":138.77501,"end":139.015,"confidence":0.98535156,"punctuated_word":"law","sentiment":"neutral","sentiment_score":0.07702779769897461},{"word":"flag","start":139.015,"end":139.255,"confidence":0.98828125,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.03998897969722748},{"word":"with","start":139.255,"end":139.41501,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05686134099960327},{"word":"the","start":139.41501,"end":139.57501,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051051586866378784},{"word":"super","start":139.57501,"end":139.895,"confidence":0.7714844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08176194131374359},{"word":"fund","start":139.895,"end":140.395,"confidence":0.9057617,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.1058582216501236},{"word":"and","start":141.015,"end":141.175,"confidence":0.90722656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10306255519390106},{"word":"it","start":141.175,"end":141.335,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0961604341864586},{"word":"can","start":141.335,"end":141.49501,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05578724667429924},{"word":"be","start":141.49501,"end":141.57501,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04976914823055267},{"word":"done","start":141.57501,"end":141.895,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.06536272913217545},{"word":"that","start":141.895,"end":142.05501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03530962020158768},{"word":"way","start":142.05501,"end":142.55501,"confidence":0.99658203,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.007895369082689285},{"word":"alternatively","start":143.57501,"end":144.07501,"confidence":1.0,"punctuated_word":"Alternatively","sentiment":"neutral","sentiment_score":-0.04240094870328903},{"word":"to","start":144.375,"end":144.535,"confidence":0.79296875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05278094485402107},{"word":"that","start":144.535,"end":145.035,"confidence":0.9909668,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.06228986009955406},{"word":"which","start":146.375,"end":146.875,"confidence":0.9951172,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.09393896162509918},{"word":"obviously","start":147.5,"end":147.66,"confidence":1.0,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.07517264038324356},{"word":"is","start":147.66,"end":147.81999,"confidence":0.86621094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08964601159095764},{"word":"a","start":147.81999,"end":148.06,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11657152324914932},{"word":"whole","start":148.06,"end":148.14,"confidence":0.9921875,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.17578701674938202},{"word":"heap","start":148.14,"end":148.29999,"confidence":0.9951172,"punctuated_word":"heap","sentiment":"neutral","sentiment_score":-0.25158870220184326},{"word":"of","start":148.29999,"end":148.37999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18361827731132507},{"word":"paperwork","start":148.37999,"end":148.7,"confidence":0.9838867,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":-0.2266118675470352},{"word":"and","start":148.7,"end":148.85999,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20651794970035553},{"word":"a","start":148.85999,"end":148.93999,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19813232123851776},{"word":"whole","start":148.93999,"end":149.09999,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.19309592247009277},{"word":"lot","start":149.09999,"end":149.18,"confidence":0.98095703,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2078583538532257},{"word":"of","start":149.18,"end":149.34,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.196643128991127},{"word":"nonsense","start":149.34,"end":149.81999,"confidence":0.9147949,"punctuated_word":"nonsense,","sentiment":"neutral","sentiment_score":-0.1308019906282425},{"word":"you","start":149.81999,"end":149.98,"confidence":0.9472656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019243687391281128},{"word":"can","start":149.98,"end":150.21999,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.00020711123943328855},{"word":"do","start":150.21999,"end":150.37999,"confidence":0.9580078,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007660724222660065},{"word":"it","start":150.37999,"end":150.45999,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.002470850944519043},{"word":"without","start":150.45999,"end":150.95999,"confidence":1.0,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.03300286829471588},{"word":"obviously","start":151.42,"end":151.92,"confidence":0.7290039,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.07971236854791641},{"word":"paying","start":151.98,"end":152.29999,"confidence":0.99316406,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.13173633813858032},{"word":"fees","start":152.29999,"end":152.7,"confidence":0.9633789,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":-0.09983712434768675},{"word":"you","start":152.7,"end":152.78,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.006427794694900513},{"word":"can","start":152.78,"end":152.93999,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03407619148492813},{"word":"do","start":152.93999,"end":153.18,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.021442338824272156},{"word":"it","start":153.18,"end":153.34,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003344520926475525},{"word":"by","start":153.34,"end":153.57999,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.028262056410312653},{"word":"yourself","start":153.57999,"end":153.9,"confidence":0.99316406,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":-0.003416389226913452},{"word":"it's","start":153.9,"end":154.06,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05891052633523941},{"word":"just","start":154.06,"end":154.37999,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0540720596909523},{"word":"it's","start":154.45999,"end":154.7,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1313515603542328},{"word":"a","start":154.7,"end":154.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14596623182296753},{"word":"lot","start":154.78,"end":155.01999,"confidence":0.9941406,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.15562671422958374},{"word":"of","start":155.01999,"end":155.09999,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1690230816602707},{"word":"paperwork","start":155.09999,"end":155.59999,"confidence":0.9951172,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":-0.16856002807617188},{"word":"that","start":155.65999,"end":155.98,"confidence":0.5966797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18323759734630585},{"word":"$8","start":155.98,"end":156.45999,"confidence":0.41796875,"punctuated_word":"$8","sentiment":"neutral","sentiment_score":-0.1129988580942154},{"word":"be","start":156.45999,"end":156.62,"confidence":0.3642578,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13605982065200806},{"word":"transferred","start":156.62,"end":157.12,"confidence":0.99902344,"punctuated_word":"transferred.","sentiment":"neutral","sentiment_score":-0.11856913566589355},{"word":"that","start":159.42,"end":159.65999,"confidence":0.9707031,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.12789899110794067},{"word":"is","start":159.65999,"end":159.98,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12138929963111876},{"word":"one","start":159.98,"end":160.14,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07470766454935074},{"word":"of","start":160.14,"end":160.29999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.062249988317489624},{"word":"the","start":160.29999,"end":160.37999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08991189301013947},{"word":"ways","start":160.37999,"end":160.62,"confidence":0.9970703,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.07538467645645142},{"word":"to","start":160.62,"end":160.78,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0859651044011116},{"word":"kinda","start":160.78,"end":161.09999,"confidence":0.92578125,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.08720579743385315},{"word":"get","start":161.09999,"end":161.34,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08079623430967331},{"word":"around","start":161.34,"end":161.65999,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.07926282286643982},{"word":"it","start":161.65999,"end":162.075,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06671405583620071},{"word":"there","start":165.995,"end":166.495,"confidence":0.7734375,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.030699580907821655},{"word":"is","start":167.035,"end":167.355,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007494114339351654},{"word":"an","start":167.355,"end":167.595,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.001050122082233429},{"word":"avenue","start":167.595,"end":168.095,"confidence":0.9980469,"punctuated_word":"avenue","sentiment":"neutral","sentiment_score":-0.009567111730575562},{"word":"i'd","start":168.235,"end":168.555,"confidence":0.751709,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.028196442872285843},{"word":"have","start":168.555,"end":168.795,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06606425344944},{"word":"to","start":168.795,"end":168.875,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04999803751707077},{"word":"look","start":168.875,"end":169.19499,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.054415419697761536},{"word":"into","start":169.19499,"end":169.515,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0448746420443058},{"word":"it","start":169.515,"end":169.915,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11552205681800842},{"word":"legislatively","start":169.915,"end":170.415,"confidence":0.9770508,"punctuated_word":"legislatively","sentiment":"neutral","sentiment_score":-0.09994079172611237},{"word":"because","start":171.83499,"end":172.235,"confidence":0.8198242,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1086033061146736},{"word":"it's","start":172.235,"end":172.315,"confidence":0.97753906,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08762818574905396},{"word":"been","start":172.315,"end":172.815,"confidence":0.9526367,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0811539888381958},{"word":"a","start":172.875,"end":173.035,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07751183956861496},{"word":"little","start":173.035,"end":173.435,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06971009820699692},{"word":"bit","start":173.435,"end":173.75499,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08423148095607758},{"word":"since","start":173.75499,"end":173.995,"confidence":0.9921875,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.09391889721155168},{"word":"i've","start":173.995,"end":174.235,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.06154121086001396},{"word":"kind","start":174.235,"end":174.39499,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06344065070152283},{"word":"of","start":174.39499,"end":174.89499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.049000468105077744},{"word":"looked","start":175.275,"end":175.595,"confidence":0.9980469,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.05462472885847092},{"word":"into","start":175.595,"end":175.915,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0424843467772007},{"word":"it","start":175.915,"end":176.155,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07089928537607193},{"word":"in","start":176.155,"end":176.315,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.025307662785053253},{"word":"this","start":176.315,"end":176.555,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.008630070835351944},{"word":"avenue","start":176.555,"end":177.055,"confidence":0.8286133,"punctuated_word":"avenue,","sentiment":"neutral","sentiment_score":-0.022840823978185657},{"word":"but","start":177.19499,"end":177.69499,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03369268774986267},{"word":"there","start":178.42,"end":178.5,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.034488849341869354},{"word":"is","start":178.5,"end":178.90001,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.035349041223526},{"word":"something","start":178.90001,"end":179.22,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.0556916780769825},{"word":"that's","start":179.22,"end":179.46,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06795541942119598},{"word":"called","start":179.46,"end":179.78,"confidence":0.99902344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.09631065279245377},{"word":"sorry","start":180.82,"end":181.14,"confidence":0.94506836,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.13647103309631348},{"word":"what","start":181.14,"end":181.22,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.1557416319847107},{"word":"was","start":181.22,"end":181.38,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1546834260225296},{"word":"that","start":181.38,"end":181.88,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.11509482562541962},{"word":"oh","start":185.46,"end":185.7,"confidence":0.82373047,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.13574069738388062},{"word":"no","start":185.7,"end":186.2,"confidence":0.99902344,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.21018581092357635},{"word":"sorry","start":186.34,"end":186.84,"confidence":1.0,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.18988727033138275},{"word":"okay","start":187.38,"end":187.88,"confidence":0.90722656,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.10865148901939392},{"word":"sorry","start":188.66,"end":189.06,"confidence":0.8798828,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1844916939735413},{"word":"i","start":189.06,"end":189.3,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18880759179592133},{"word":"yep","start":202.705,"end":203.205,"confidence":0.9526367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.18022851645946503},{"word":"okay","start":211.07,"end":211.47,"confidence":0.9716797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.058124154806137085},{"word":"so","start":211.47,"end":211.95001,"confidence":0.8769531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06857004761695862},{"word":"yep","start":212.27,"end":212.77,"confidence":0.9667969,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.02824276126921177},{"word":"okay","start":214.83,"end":215.23001,"confidence":0.9460449,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.03281078115105629},{"word":"so","start":215.23001,"end":215.63,"confidence":0.96435547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07525739073753357},{"word":"you","start":215.63,"end":216.13,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08605924248695374},{"word":"you","start":217.07,"end":217.23001,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08987369388341904},{"word":"were","start":217.23001,"end":217.55,"confidence":0.9892578,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.09189573675394058},{"word":"nonworking","start":217.55,"end":218.05,"confidence":0.8701172,"punctuated_word":"nonworking","sentiment":"neutral","sentiment_score":-0.15439309179782867},{"word":"june","start":218.27,"end":218.59001,"confidence":0.9543457,"punctuated_word":"June,","sentiment":"neutral","sentiment_score":-0.11461985111236572},{"word":"july","start":218.59001,"end":219.09001,"confidence":0.71032715,"punctuated_word":"July?","sentiment":"neutral","sentiment_score":-0.11652248352766036},{"word":"like","start":219.95001,"end":220.19,"confidence":0.625,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.07669901102781296},{"word":"transitioning","start":220.19,"end":220.67001,"confidence":0.99902344,"punctuated_word":"transitioning","sentiment":"neutral","sentiment_score":-0.10037252306938171},{"word":"between","start":220.67001,"end":221.07,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.08322280645370483},{"word":"jobs","start":221.07,"end":221.415,"confidence":0.9794922,"punctuated_word":"jobs?","sentiment":"neutral","sentiment_score":-0.0675860345363617},{"word":"okay","start":224.61499,"end":225.11499,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.038388658314943314},{"word":"so","start":227.495,"end":227.995,"confidence":0.9111328,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11098262667655943},{"word":"transitioning","start":231.97499,"end":232.47499,"confidence":0.97314453,"punctuated_word":"transitioning","sentiment":"neutral","sentiment_score":-0.16017678380012512},{"word":"between","start":232.53499,"end":232.855,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.15022099018096924},{"word":"jobs","start":232.855,"end":233.355,"confidence":0.99316406,"punctuated_word":"jobs","sentiment":"neutral","sentiment_score":-0.15391361713409424},{"word":"doesn't","start":233.575,"end":234.075,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.25784122943878174},{"word":"allow","start":234.61499,"end":235.11499,"confidence":1.0,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.2735527753829956},{"word":"you","start":235.73499,"end":236.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31800180673599243},{"word":"to","start":236.135,"end":236.635,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2583979368209839},{"word":"claim","start":239.01,"end":239.51,"confidence":0.99316406,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.2558705806732178},{"word":"hardship","start":239.65,"end":240.15,"confidence":0.99609375,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.21350544691085815},{"word":"on","start":240.45,"end":240.61,"confidence":0.6640625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2931520342826843},{"word":"the","start":240.61,"end":240.76999,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2210465669631958},{"word":"super","start":240.76999,"end":241.26999,"confidence":0.8532715,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.18070149421691897},{"word":"there's","start":241.65,"end":241.97,"confidence":0.9812012,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.27118295431137085},{"word":"really","start":241.97,"end":242.29,"confidence":0.97436523,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.22753573954105377},{"word":"really","start":242.29,"end":242.69,"confidence":0.9970703,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.22243639826774597},{"word":"really","start":242.69,"end":243.01,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.19475799798965457},{"word":"specific","start":243.01,"end":243.51,"confidence":0.97802734,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.1915356069803238},{"word":"requirements","start":243.73,"end":244.23,"confidence":0.97265625,"punctuated_word":"requirements","sentiment":"neutral","sentiment_score":-0.22106952965259552},{"word":"for","start":244.29,"end":244.53,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2295258343219757},{"word":"it","start":244.53,"end":245.03,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1928081512451172},{"word":"can","start":247.89,"end":248.12999,"confidence":0.89453125,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.006334416568279266},{"word":"i","start":248.12999,"end":248.29,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0073712170124053955},{"word":"ask","start":248.29,"end":248.53,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.0015106201171875},{"word":"how","start":248.53,"end":248.69,"confidence":0.7470703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.014720220118761064},{"word":"much","start":248.69,"end":249.01,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.011325482279062273},{"word":"how","start":249.25,"end":249.33,"confidence":0.55810547,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0209781713783741},{"word":"like","start":249.41,"end":249.56999,"confidence":0.9890137,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.006325656548142433},{"word":"what","start":249.56999,"end":249.73,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01151067391037941},{"word":"is","start":249.73,"end":249.89,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01500963419675827},{"word":"your","start":249.89,"end":250.39,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008130323141813278},{"word":"annual","start":250.53,"end":250.93,"confidence":0.9980469,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.02470112591981888},{"word":"income","start":250.93,"end":251.43,"confidence":0.99902344,"punctuated_word":"income?","sentiment":"neutral","sentiment_score":-0.004914039745926857},{"word":"okay","start":254.825,"end":255.325,"confidence":0.8796387,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03337017446756363},{"word":"so","start":255.705,"end":255.945,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019108526408672333},{"word":"you","start":255.945,"end":256.105,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03361503779888153},{"word":"are","start":256.105,"end":256.265,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02813638001680374},{"word":"a","start":256.265,"end":256.425,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06177584081888199},{"word":"high","start":256.425,"end":256.665,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.09973248094320296},{"word":"income","start":256.665,"end":257.065,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11980853229761124},{"word":"earner","start":257.065,"end":257.565,"confidence":0.875,"punctuated_word":"earner,","sentiment":"neutral","sentiment_score":0.06236659735441208},{"word":"like","start":259.145,"end":259.645,"confidence":0.9448242,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.016837228089571},{"word":"in","start":259.785,"end":259.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007561661303043365},{"word":"terms","start":259.945,"end":260.345,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.017787322402000427},{"word":"of","start":260.345,"end":260.745,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.038426823914051056},{"word":"sort","start":260.745,"end":260.905,"confidence":0.8959961,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01866638660430908},{"word":"of","start":260.905,"end":261.065,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0005820170044898987},{"word":"tax","start":261.065,"end":261.385,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03920263051986694},{"word":"bracket","start":261.385,"end":261.885,"confidence":0.78686523,"punctuated_word":"bracket.","sentiment":"neutral","sentiment_score":0.044711701571941376},{"word":"okay","start":265.85,"end":266.17,"confidence":0.98657227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05459306761622429},{"word":"so","start":266.17,"end":266.67,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015079528093338013},{"word":"there's","start":266.81,"end":267.21002,"confidence":0.67944336,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0331682488322258},{"word":"there's","start":267.21002,"end":267.71002,"confidence":0.953125,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.02484780550003052},{"word":"sort","start":268.33002,"end":268.49002,"confidence":0.86035156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.020216137170791623},{"word":"of","start":268.49002,"end":268.65,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004656769335269928},{"word":"three","start":268.65,"end":268.97,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.018463365733623505},{"word":"avenues","start":268.97,"end":269.29,"confidence":0.9980469,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":0.00479087233543396},{"word":"i'm","start":269.29,"end":269.45,"confidence":0.9890137,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04223138093948364},{"word":"kind","start":269.45,"end":269.61002,"confidence":0.63427734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09666138887405396},{"word":"of","start":269.61002,"end":269.77002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08020086586475372},{"word":"spitballing","start":269.77002,"end":270.25,"confidence":0.96744794,"punctuated_word":"spitballing","sentiment":"neutral","sentiment_score":-0.16795213520526886},{"word":"at","start":270.25,"end":270.41,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13928985595703125},{"word":"the","start":270.41,"end":270.49002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1133718267083168},{"word":"moment","start":270.49002,"end":270.99002,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.06082882732152939},{"word":"if","start":271.77002,"end":271.93002,"confidence":0.81640625,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.010945692658424376},{"word":"you","start":271.93002,"end":272.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00875004380941391},{"word":"wanna","start":272.09,"end":272.33002,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.002986166626214981},{"word":"get","start":272.33002,"end":272.49002,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.017023354768753052},{"word":"the","start":272.49002,"end":272.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01330862194299698},{"word":"whole","start":272.65,"end":272.89,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.019539617002010345},{"word":"amount","start":272.89,"end":273.29,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.000974409282207489},{"word":"over","start":273.29,"end":273.53,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.003960661590099335},{"word":"into","start":273.53,"end":273.93,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.024814054369926453},{"word":"like","start":274.09,"end":274.41,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01313846930861473},{"word":"if","start":274.41,"end":274.49002,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024243179708719257},{"word":"you","start":274.49002,"end":274.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0006520599126815796},{"word":"wanna","start":274.65,"end":274.89,"confidence":0.9013672,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.02891836315393448},{"word":"transfer","start":274.89,"end":275.21002,"confidence":0.99902344,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.029951483011245728},{"word":"the","start":275.21002,"end":275.37,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007185697555541992},{"word":"whole","start":275.37,"end":275.53,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.016066379845142365},{"word":"amount","start":275.53,"end":275.77002,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.005060836672782898},{"word":"over","start":275.77002,"end":276.01,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03279031813144684},{"word":"into","start":276.01,"end":276.25,"confidence":0.9760742,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0591476708650589},{"word":"your","start":276.25,"end":276.49002,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.031186357140541077},{"word":"super","start":276.49002,"end":276.89,"confidence":0.84814453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06448063254356384},{"word":"fund","start":276.89,"end":277.305,"confidence":0.93603516,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.0649232268333435},{"word":"and","start":278.26498,"end":278.585,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08171994239091873},{"word":"sort","start":278.585,"end":278.745,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01909875869750977},{"word":"of","start":278.745,"end":278.985,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06346720457077026},{"word":"consolidate","start":278.985,"end":279.38498,"confidence":0.99902344,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.08859030902385712},{"word":"that","start":279.38498,"end":279.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0983794406056404},{"word":"way","start":279.625,"end":280.125,"confidence":0.98583984,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.075856514275074},{"word":"we","start":280.26498,"end":280.425,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09224479645490646},{"word":"could","start":280.425,"end":280.66498,"confidence":0.99316406,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.10547183454036713},{"word":"essentially","start":280.66498,"end":281.145,"confidence":0.98828125,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08929044008255005},{"word":"do","start":281.145,"end":281.38498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0556655079126358},{"word":"what's","start":281.38498,"end":281.705,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.07357518374919891},{"word":"called","start":281.705,"end":282.205,"confidence":0.73791504,"punctuated_word":"called,","sentiment":"neutral","sentiment_score":0.027818463742733},{"word":"like","start":283.945,"end":284.445,"confidence":0.83740234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01183786243200302},{"word":"it's","start":284.745,"end":284.985,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.003042372642084956},{"word":"called","start":284.985,"end":285.38498,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.020001254975795742},{"word":"spousal","start":285.38498,"end":285.865,"confidence":0.8282878,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":-0.04138892889022827},{"word":"splitting","start":285.865,"end":286.365,"confidence":0.9970703,"punctuated_word":"splitting","sentiment":"neutral","sentiment_score":-0.03330109268426895},{"word":"or","start":286.585,"end":286.905,"confidence":0.8359375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014590740203857422},{"word":"spousal","start":286.905,"end":287.225,"confidence":0.9658203,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":-0.04524289071559906},{"word":"contribution","start":287.225,"end":287.705,"confidence":0.98828125,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.03989921510219574},{"word":"splitting","start":287.705,"end":288.205,"confidence":0.99853516,"punctuated_word":"splitting.","sentiment":"neutral","sentiment_score":-0.004869967699050903},{"word":"generally","start":289.305,"end":289.705,"confidence":0.9885254,"punctuated_word":"Generally,","sentiment":"neutral","sentiment_score":-0.03474416583776474},{"word":"we","start":289.705,"end":289.785,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.023894168436527252},{"word":"can","start":289.785,"end":289.945,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.039498426020145416},{"word":"only","start":289.945,"end":290.185,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07457484304904938},{"word":"transfer","start":290.185,"end":290.66498,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.05359272658824921},{"word":"about","start":290.66498,"end":290.905,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08478987216949463},{"word":"85%","start":290.905,"end":291.965,"confidence":0.9996745,"punctuated_word":"85%","sentiment":"neutral","sentiment_score":-0.05663717910647392},{"word":"of","start":293.25,"end":293.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07488242536783218},{"word":"the","start":293.49,"end":293.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0802992507815361},{"word":"funds","start":293.65,"end":294.15,"confidence":0.76342773,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.06828095018863678},{"word":"i","start":294.21,"end":294.53,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08649753034114838},{"word":"need","start":294.53,"end":294.85,"confidence":0.6748047,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0823376402258873},{"word":"to","start":294.85,"end":295.01,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1306706815958023},{"word":"just","start":295.01,"end":295.25,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08949803560972214},{"word":"investigate","start":295.25,"end":295.73,"confidence":0.9819336,"punctuated_word":"investigate","sentiment":"neutral","sentiment_score":-0.11734677106142044},{"word":"it","start":295.73,"end":295.88998,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13834261894226074},{"word":"because","start":295.88998,"end":296.21,"confidence":0.90478516,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.18237817287445068},{"word":"obviously","start":296.21,"end":296.69,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.19770726561546328},{"word":"she","start":296.69,"end":296.77,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.2458658218383789},{"word":"hasn't","start":296.77,"end":297.17,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.2262825071811676},{"word":"contributed","start":297.17,"end":297.67,"confidence":1.0,"punctuated_word":"contributed","sentiment":"neutral","sentiment_score":-0.2320392429828644},{"word":"anything","start":297.88998,"end":298.37,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.22029083967208865},{"word":"into","start":298.37,"end":298.69,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.226888045668602},{"word":"the","start":298.69,"end":298.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20931948721408844},{"word":"fund","start":298.85,"end":299.35,"confidence":0.7729492,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.16103586554527283},{"word":"how","start":300.85,"end":301.09,"confidence":0.6826172,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.06639769673347473},{"word":"we","start":301.09,"end":301.25,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04373595863580704},{"word":"can","start":301.25,"end":301.41,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03028300404548645},{"word":"sort","start":301.41,"end":301.57,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04387181997299194},{"word":"of","start":301.57,"end":301.81,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05461600422859192},{"word":"navigate","start":301.81,"end":302.21,"confidence":1.0,"punctuated_word":"navigate","sentiment":"neutral","sentiment_score":-0.04827915132045746},{"word":"that","start":302.21,"end":302.71,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10070756077766418},{"word":"caveat","start":302.93,"end":303.43,"confidence":0.67419434,"punctuated_word":"caveat,","sentiment":"neutral","sentiment_score":-0.11232301592826845},{"word":"that","start":305.445,"end":305.605,"confidence":0.92089844,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.03468221426010132},{"word":"that","start":305.605,"end":305.685,"confidence":0.53271484,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09837467223405838},{"word":"could","start":305.685,"end":305.925,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.06536760926246643},{"word":"be","start":305.925,"end":306.005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0725838914513588},{"word":"an","start":306.005,"end":306.165,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05731287598609924},{"word":"avenue","start":306.165,"end":306.485,"confidence":0.99902344,"punctuated_word":"avenue","sentiment":"neutral","sentiment_score":-0.04373730719089508},{"word":"that","start":306.485,"end":306.565,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06718352437019348},{"word":"we","start":306.565,"end":306.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08166845887899399},{"word":"could","start":306.725,"end":306.885,"confidence":0.8886719,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.07266050577163696},{"word":"look","start":306.885,"end":307.125,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.11683008074760436},{"word":"down","start":307.125,"end":307.625,"confidence":0.99194336,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.015226822346448898},{"word":"yeah","start":308.005,"end":308.505,"confidence":0.6591797,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.02830493450164795},{"word":"it's","start":324.26,"end":324.5,"confidence":0.84399414,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.023191412910819057},{"word":"individual","start":324.5,"end":325.0,"confidence":0.9770508,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.003756821155548096},{"word":"across","start":325.06,"end":325.38,"confidence":0.9980469,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.015547920018434525},{"word":"the","start":325.38,"end":325.62,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007692866027355194},{"word":"board","start":325.62,"end":326.12,"confidence":0.9975586,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":-0.021313488483428955},{"word":"yeah","start":328.42,"end":328.90002,"confidence":0.9099121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06419812142848969},{"word":"so","start":328.90002,"end":329.14,"confidence":0.92700195,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07259495556354523},{"word":"like","start":329.14,"end":329.46002,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08584997057914734},{"word":"in","start":329.46002,"end":329.54,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11860126256942748},{"word":"a","start":329.54,"end":330.04,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11499860882759094},{"word":"in","start":331.685,"end":331.845,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08808261156082153},{"word":"a","start":331.845,"end":332.005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08999235928058624},{"word":"divorce","start":332.005,"end":332.505,"confidence":0.99365234,"punctuated_word":"divorce,","sentiment":"neutral","sentiment_score":0.090866819024086},{"word":"superannuation","start":334.005,"end":334.505,"confidence":0.95491534,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.16110797226428986},{"word":"can","start":334.965,"end":335.465,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13003948330879211},{"word":"form","start":335.605,"end":336.08502,"confidence":0.99902344,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.21543298661708832},{"word":"part","start":336.08502,"end":336.325,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.1607293337583542},{"word":"of","start":336.325,"end":336.565,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18334370851516724},{"word":"the","start":336.565,"end":336.80502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16408869624137878},{"word":"marital","start":336.80502,"end":337.285,"confidence":1.0,"punctuated_word":"marital","sentiment":"neutral","sentiment_score":0.1502322554588318},{"word":"assets","start":337.285,"end":337.685,"confidence":0.63183594,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.16590087115764618},{"word":"and","start":337.685,"end":337.845,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.219762921333313},{"word":"can","start":337.845,"end":338.005,"confidence":0.9370117,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18391375243663788},{"word":"be","start":338.005,"end":338.165,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1906626969575882},{"word":"utilized","start":338.165,"end":338.665,"confidence":0.99902344,"punctuated_word":"utilized","sentiment":"neutral","sentiment_score":0.2046103328466415},{"word":"to","start":338.885,"end":339.045,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1847686469554901},{"word":"basically","start":339.045,"end":339.545,"confidence":0.90722656,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1886174976825714},{"word":"transition","start":340.08502,"end":340.565,"confidence":0.99609375,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.2100229561328888},{"word":"across","start":340.565,"end":341.065,"confidence":0.9980469,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.13400611281394958},{"word":"so","start":341.125,"end":341.445,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15353916585445404},{"word":"theoretically","start":341.445,"end":341.92502,"confidence":0.5449219,"punctuated_word":"theoretically","sentiment":"neutral","sentiment_score":0.15117499232292175},{"word":"speaking","start":341.92502,"end":342.325,"confidence":0.99609375,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.1640320122241974},{"word":"if","start":342.325,"end":342.48502,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2254571169614792},{"word":"you","start":342.48502,"end":342.64502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16969680786132812},{"word":"wanted","start":342.64502,"end":342.885,"confidence":0.9667969,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.16926059126853943},{"word":"to","start":342.885,"end":342.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15613673627376556},{"word":"kind","start":342.965,"end":343.20502,"confidence":0.8457031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13402363657951355},{"word":"of","start":343.20502,"end":343.285,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1893417239189148},{"word":"just","start":343.285,"end":343.52502,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2019038200378418},{"word":"move","start":343.52502,"end":343.765,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.21594883501529696},{"word":"all","start":343.765,"end":344.005,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2114930897951126},{"word":"that","start":344.005,"end":344.165,"confidence":0.70947266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20464670658111572},{"word":"money","start":344.165,"end":344.405,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16010519862174988},{"word":"across","start":344.405,"end":344.725,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.21409107744693756},{"word":"into","start":344.725,"end":344.885,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2318398356437683},{"word":"your","start":344.885,"end":345.125,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18782128393650055},{"word":"super","start":345.125,"end":345.42,"confidence":0.93115234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1980646550655365},{"word":"fund","start":345.42,"end":345.66,"confidence":0.99072266,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.23130571842193604},{"word":"we","start":345.66,"end":345.82,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22801892459392548},{"word":"could","start":345.82,"end":345.90002,"confidence":0.96533203,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.21017776429653168},{"word":"kind","start":345.90002,"end":346.38,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2203427255153656},{"word":"of","start":346.38,"end":346.46002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2673220932483673},{"word":"do","start":346.46002,"end":346.96002,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23139190673828125},{"word":"that","start":347.58002,"end":348.08002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21304085850715637},{"word":"through","start":348.38,"end":348.78,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1581430286169052},{"word":"basically","start":348.78,"end":349.26,"confidence":0.66064453,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.17395006120204926},{"word":"submission","start":349.26,"end":349.66,"confidence":0.9873047,"punctuated_word":"submission","sentiment":"neutral","sentiment_score":0.15688855946063995},{"word":"of","start":349.66,"end":349.82,"confidence":0.94873047,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.11539395153522491},{"word":"like","start":349.82,"end":349.98,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12185843288898468},{"word":"a","start":349.98,"end":350.06003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1274450421333313},{"word":"family","start":350.06003,"end":350.46002,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.11671794950962068},{"word":"law","start":350.46002,"end":350.7,"confidence":0.8540039,"punctuated_word":"law","sentiment":"neutral","sentiment_score":0.1095159500837326},{"word":"like","start":350.94,"end":351.1,"confidence":0.76464844,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13336747884750366},{"word":"a","start":351.1,"end":351.18002,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15489014983177185},{"word":"family","start":351.18002,"end":351.58002,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.12564238905906677},{"word":"agreement","start":351.58002,"end":352.08002,"confidence":0.99902344,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.12270379066467284},{"word":"from","start":352.62003,"end":352.94,"confidence":0.99121094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1231509894132614},{"word":"her","start":352.94,"end":353.18002,"confidence":0.9790039,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.05915738642215729},{"word":"super","start":353.18002,"end":353.42,"confidence":0.9892578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14227712154388428},{"word":"to","start":353.42,"end":353.5,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16049611568450928},{"word":"your","start":353.5,"end":353.74002,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10218599438667296},{"word":"super","start":353.74002,"end":354.24002,"confidence":0.99853516,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.09555185586214066},{"word":"outside","start":355.58002,"end":355.98,"confidence":0.8730469,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.04575111344456673},{"word":"of","start":355.98,"end":356.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.043367207050323486},{"word":"that","start":356.14,"end":356.64,"confidence":0.95458984,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.025625625625252724},{"word":"like","start":358.22,"end":358.46002,"confidence":0.9448242,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.012299641966819763},{"word":"even","start":358.46002,"end":358.66003,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.022457964718341827},{"word":"an","start":358.66003,"end":358.86002,"confidence":0.7011719,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.016978628933429718},{"word":"like","start":359.02002,"end":359.26,"confidence":0.8964844,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.23045209050178528},{"word":"a","start":359.26,"end":359.34003,"confidence":0.49658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1677519977092743},{"word":"even","start":359.42,"end":359.74002,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.10841178894042967},{"word":"a","start":359.74002,"end":359.985,"confidence":0.9394531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10491172969341278},{"word":"self","start":360.06497,"end":360.56497,"confidence":0.89208984,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.12205454707145692},{"word":"no","start":361.34497,"end":361.84497,"confidence":0.9916992,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.09003110229969025},{"word":"like","start":362.06497,"end":362.22498,"confidence":0.9279785,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.04208896309137344},{"word":"you","start":362.22498,"end":362.38498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08941710740327835},{"word":"don't","start":362.38498,"end":362.625,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.024554651230573658},{"word":"have","start":362.625,"end":362.705,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0006588995456695557},{"word":"to","start":362.705,"end":362.78497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.092181459069252},{"word":"proceed","start":362.78497,"end":363.185,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":-0.11287646740674973},{"word":"with","start":363.185,"end":363.34497,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09174003452062608},{"word":"the","start":363.34497,"end":363.50497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11360763013362885},{"word":"actual","start":363.50497,"end":363.82498,"confidence":1.0,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.1183452159166336},{"word":"divorce","start":363.82498,"end":364.305,"confidence":0.9880371,"punctuated_word":"divorce.","sentiment":"neutral","sentiment_score":-0.1228582113981247},{"word":"it","start":364.305,"end":364.465,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.02698381245136261},{"word":"would","start":364.465,"end":364.625,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.007363617420196533},{"word":"it's","start":364.705,"end":364.865,"confidence":0.73706055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04022083058953285},{"word":"just","start":364.865,"end":365.185,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09188517183065414},{"word":"basically","start":365.185,"end":365.685,"confidence":0.27294922,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.08385217189788818},{"word":"paperwork","start":365.745,"end":366.245,"confidence":0.90234375,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":-0.16190078854560852},{"word":"wise","start":366.305,"end":366.805,"confidence":0.65844727,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.15619108080863953},{"word":"like","start":367.425,"end":367.745,"confidence":0.8076172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16126661002635956},{"word":"financial","start":367.745,"end":368.245,"confidence":0.8574219,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.18876081705093384},{"word":"planning","start":368.305,"end":368.805,"confidence":0.5045166,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":-0.19109609723091123},{"word":"but","start":368.865,"end":369.10498,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14107804000377655},{"word":"it's","start":369.10498,"end":369.50497,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3129759728908539},{"word":"still","start":369.50497,"end":369.82498,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2796390652656555},{"word":"a","start":369.82498,"end":369.905,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29212450981140137},{"word":"split","start":369.905,"end":370.145,"confidence":0.9482422,"punctuated_word":"split","sentiment":"negative","sentiment_score":-0.39608341455459595},{"word":"headache","start":370.145,"end":370.645,"confidence":0.99902344,"punctuated_word":"headache","sentiment":"neutral","sentiment_score":-0.322443425655365},{"word":"to","start":373.425,"end":373.66498,"confidence":0.3251953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.025372132658958435},{"word":"to","start":373.66498,"end":373.745,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03653896600008011},{"word":"go","start":373.745,"end":373.985,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.03246479853987694},{"word":"through","start":373.985,"end":374.22498,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.018653832376003265},{"word":"that","start":374.22498,"end":374.72498,"confidence":0.91503906,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.01193004846572876},{"word":"she","start":377.22,"end":377.38,"confidence":0.97314453,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.08366011828184128},{"word":"wouldn't","start":377.38,"end":377.54,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.12632927298545835},{"word":"be","start":377.54,"end":377.78,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1292734444141388},{"word":"receiving","start":377.78,"end":378.1,"confidence":1.0,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":-0.1850799024105072},{"word":"centrelink","start":378.1,"end":378.58002,"confidence":0.9791667,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.17998728156089783},{"word":"payments","start":378.58002,"end":378.9,"confidence":0.9729004,"punctuated_word":"payments,","sentiment":"neutral","sentiment_score":-0.0968286320567131},{"word":"would","start":378.9,"end":379.06,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08968523144721985},{"word":"she","start":379.06,"end":379.30002,"confidence":0.8479004,"punctuated_word":"she?","sentiment":"neutral","sentiment_score":-0.10367441177368164},{"word":"because","start":379.30002,"end":379.7,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.21081268787384033},{"word":"your","start":379.7,"end":380.1,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.212626650929451},{"word":"income's","start":380.1,"end":380.6,"confidence":0.9199219,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":-0.25985395908355713},{"word":"too","start":381.14,"end":381.38,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.28378695249557495},{"word":"high","start":381.38,"end":381.88,"confidence":0.98339844,"punctuated_word":"high.","sentiment":"neutral","sentiment_score":-0.20256204903125763},{"word":"yep","start":402.09003,"end":402.59003,"confidence":0.77368164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008123917505145073},{"word":"okay","start":408.09003,"end":408.59003,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00018467940390110016},{"word":"what","start":410.49002,"end":410.99002,"confidence":0.8774414,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.013614095747470856},{"word":"what","start":411.05002,"end":411.45,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01259266957640648},{"word":"did","start":411.45,"end":411.61002,"confidence":0.96875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.009849011898040771},{"word":"we","start":411.61002,"end":411.93002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.012063995003700256},{"word":"put","start":411.93002,"end":412.17,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0039601679891347885},{"word":"in","start":412.17,"end":412.33002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004000771790742874},{"word":"a","start":412.33002,"end":412.49002,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00591695960611105},{"word":"claim","start":412.49002,"end":412.97,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.013537602499127388},{"word":"for","start":412.97,"end":413.45,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005833344534039497},{"word":"under","start":413.45,"end":413.61002,"confidence":0.78515625,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.020079541951417923},{"word":"fintech","start":413.61002,"end":413.93002,"confidence":0.30395508,"punctuated_word":"Fintech","sentiment":"neutral","sentiment_score":0.01549128908663988},{"word":"link","start":413.93002,"end":414.195,"confidence":0.73876953,"punctuated_word":"Link?","sentiment":"neutral","sentiment_score":0.011523919180035593},{"word":"like","start":415.715,"end":416.215,"confidence":0.86621094,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.008147847838699818},{"word":"family","start":416.83502,"end":417.33502,"confidence":0.7998047,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.016047518700361252},{"word":"tax","start":417.39502,"end":417.89502,"confidence":0.91625977,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":-0.005212442018091679},{"word":"okay","start":418.195,"end":418.695,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.007054065354168415},{"word":"and","start":420.995,"end":421.23502,"confidence":0.82910156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0048674410209059715},{"word":"you","start":421.23502,"end":421.39502,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0002974923700094223},{"word":"said","start":421.39502,"end":421.635,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.004213916137814522},{"word":"she's","start":421.635,"end":421.95502,"confidence":0.9885254,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.007557302713394165},{"word":"receiving","start":421.95502,"end":422.45502,"confidence":1.0,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":0.00515214167535305},{"word":"carer's","start":422.595,"end":423.095,"confidence":0.7911784,"punctuated_word":"carer's","sentiment":"neutral","sentiment_score":0.01209807675331831},{"word":"payments","start":424.595,"end":425.095,"confidence":0.921875,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.020693378522992138},{"word":"or","start":425.795,"end":426.035,"confidence":0.9086914,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.002664734609425068},{"word":"allowed","start":426.035,"end":426.435,"confidence":0.69262695,"punctuated_word":"allowed?","sentiment":"neutral","sentiment_score":0.0011262213811278343},{"word":"okay","start":426.435,"end":426.935,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0059173861518502235},{"word":"correct","start":433.05,"end":433.55,"confidence":0.9638672,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.046314217150211334},{"word":"okay","start":434.33,"end":434.81,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06080739200115204},{"word":"so","start":434.81,"end":435.31,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08061055839061737},{"word":"this","start":435.85,"end":436.09,"confidence":0.7319336,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11811554431915285},{"word":"this","start":436.09,"end":436.33,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1214146614074707},{"word":"might","start":436.33,"end":436.65,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1942371279001236},{"word":"actually","start":436.65,"end":436.97,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1656617969274521},{"word":"help","start":436.97,"end":437.21,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.20606093108654025},{"word":"you","start":437.21,"end":437.71,"confidence":0.99365234,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15294066071510315},{"word":"a","start":438.25,"end":438.49,"confidence":0.96435547,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.12272205203771593},{"word":"pay","start":438.49,"end":438.65,"confidence":0.9716797,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.10332048684358595},{"word":"a","start":438.97,"end":439.05,"confidence":0.45239258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1482124775648117},{"word":"carer's","start":439.05,"end":439.53,"confidence":0.92041016,"punctuated_word":"carer's","sentiment":"neutral","sentiment_score":0.09225640445947648},{"word":"allowance","start":439.53,"end":440.03,"confidence":1.0,"punctuated_word":"allowance","sentiment":"neutral","sentiment_score":0.0927930399775505},{"word":"is","start":440.09,"end":440.33,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07589907199144363},{"word":"about","start":440.33,"end":440.57,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08582816272974014},{"word":"a","start":440.57,"end":440.65,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07829920947551727},{"word":"$114","start":440.65,"end":442.01,"confidence":0.99918616,"punctuated_word":"$114","sentiment":"neutral","sentiment_score":0.0853925496339798},{"word":"a","start":442.01,"end":442.09,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08763018250465393},{"word":"fortnight","start":442.09,"end":442.59,"confidence":0.9770508,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.07964729517698288},{"word":"carer's","start":443.135,"end":443.635,"confidence":0.99088544,"punctuated_word":"Carer's","sentiment":"neutral","sentiment_score":0.05333608388900757},{"word":"payment","start":443.855,"end":444.255,"confidence":0.9951172,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.05541954189538956},{"word":"is","start":444.255,"end":444.755,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04593539610505104},{"word":"6","start":447.135,"end":447.45502,"confidence":0.9707031,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.04840467870235443},{"word":"something","start":447.45502,"end":447.95502,"confidence":0.9951172,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.04353740066289902},{"word":"per","start":449.215,"end":449.715,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.01725650578737259},{"word":"fortnight","start":452.495,"end":452.995,"confidence":0.98339844,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.022767700254917145},{"word":"okay","start":455.295,"end":455.795,"confidence":0.9753418,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04613595083355904},{"word":"might","start":456.575,"end":456.99,"confidence":0.78466797,"punctuated_word":"Might","sentiment":"neutral","sentiment_score":0.046515487134456635},{"word":"might","start":457.55,"end":457.87,"confidence":0.6015625,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.024299398064613342},{"word":"still","start":457.87,"end":458.03,"confidence":0.9941406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04136873409152031},{"word":"be","start":458.03,"end":458.19,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03278769180178642},{"word":"the","start":458.19,"end":458.27,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033086635172367096},{"word":"allowance","start":458.27,"end":458.77,"confidence":0.92871094,"punctuated_word":"allowance.","sentiment":"neutral","sentiment_score":0.0235489122569561},{"word":"the","start":458.99,"end":459.49,"confidence":0.94189453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02536991611123085},{"word":"the","start":459.87,"end":459.94998,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03523990884423256},{"word":"allowance","start":459.94998,"end":460.34998,"confidence":0.99902344,"punctuated_word":"allowance","sentiment":"neutral","sentiment_score":0.03708326444029808},{"word":"figures","start":460.34998,"end":460.83,"confidence":0.89746094,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.04317104443907738},{"word":"increased","start":460.83,"end":461.33,"confidence":0.9921875,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.047552648931741714},{"word":"in","start":461.63,"end":462.13,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026460066437721252},{"word":"march","start":462.50998,"end":462.91,"confidence":0.9296875,"punctuated_word":"March.","sentiment":"neutral","sentiment_score":0.018778907135128975},{"word":"it's","start":462.91,"end":463.15,"confidence":0.6838379,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0068327561020851135},{"word":"i","start":463.22998,"end":463.38998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.038025617599487305},{"word":"haven't","start":463.38998,"end":463.71,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.02847883105278015},{"word":"quite","start":463.71,"end":464.21,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.04936382547020912},{"word":"memorized","start":464.43,"end":464.91,"confidence":0.9926758,"punctuated_word":"memorized","sentiment":"neutral","sentiment_score":0.013587042689323424},{"word":"them","start":464.91,"end":464.99,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.005465246737003326},{"word":"all","start":464.99,"end":465.15,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0134614035487175},{"word":"yet","start":465.15,"end":465.65,"confidence":0.99902344,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.007569378241896629},{"word":"okay","start":466.91,"end":467.15,"confidence":0.9304199,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04011790454387665},{"word":"so","start":467.15,"end":467.47,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032080650329589844},{"word":"$1.50","start":467.47,"end":468.61,"confidence":0.96936035,"punctuated_word":"$1.50.","sentiment":"neutral","sentiment_score":0.051757507026195526},{"word":"realistically","start":470.50998,"end":471.00998,"confidence":0.9938151,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.044875368475914},{"word":"if","start":471.06998,"end":471.22998,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05361047387123108},{"word":"you","start":471.22998,"end":471.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.041106365621089935},{"word":"can","start":471.31,"end":471.55,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03205996751785278},{"word":"confirm","start":471.55,"end":472.05,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.03459528088569641},{"word":"what","start":472.19,"end":472.50998,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03954143822193146},{"word":"the","start":472.50998,"end":472.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02745894528925419},{"word":"payment","start":473.205,"end":473.525,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.022379763424396515},{"word":"type","start":473.525,"end":474.005,"confidence":0.99902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.009283419698476791},{"word":"is","start":474.005,"end":474.505,"confidence":0.9785156,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.015551360324025154},{"word":"she","start":475.685,"end":475.925,"confidence":0.84472656,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.26845693588256836},{"word":"may","start":475.925,"end":476.165,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.18735702335834503},{"word":"actually","start":476.165,"end":476.485,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.36305171251297},{"word":"be","start":476.485,"end":476.645,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.43751245737075806},{"word":"able","start":476.645,"end":476.885,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4916739463806152},{"word":"to","start":476.885,"end":477.04498,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6006393432617188},{"word":"withdraw","start":477.04498,"end":477.445,"confidence":0.99902344,"punctuated_word":"withdraw","sentiment":"positive","sentiment_score":0.43046778440475464},{"word":"the","start":477.445,"end":477.605,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4586105346679687},{"word":"money","start":477.605,"end":478.005,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.38163429498672485},{"word":"under","start":478.005,"end":478.505,"confidence":0.99902344,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.4434056282043457},{"word":"possibly","start":480.245,"end":480.745,"confidence":0.8413086,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.3258956968784332},{"word":"some","start":480.805,"end":480.965,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3469797968864441},{"word":"type","start":480.965,"end":481.205,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.218857079744339},{"word":"of","start":481.205,"end":481.445,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36069798469543457},{"word":"financial","start":481.445,"end":481.945,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.1462399959564209},{"word":"hardship","start":482.165,"end":482.665,"confidence":0.8808594,"punctuated_word":"hardship,","sentiment":"neutral","sentiment_score":0.3144538402557373},{"word":"and","start":483.445,"end":483.60498,"confidence":0.96972656,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4061248004436493},{"word":"that'll","start":483.60498,"end":483.845,"confidence":0.9328613,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.4061048924922943},{"word":"just","start":483.845,"end":484.085,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26005393266677856},{"word":"remove","start":484.085,"end":484.405,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.28101491928100586},{"word":"it","start":484.405,"end":484.485,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3732765018939972},{"word":"from","start":484.485,"end":484.725,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.217214897274971},{"word":"the","start":484.725,"end":484.805,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3432180881500244},{"word":"super","start":484.805,"end":485.125,"confidence":0.9550781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16148637235164642},{"word":"environment","start":485.125,"end":485.60498,"confidence":0.96777344,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":0.32665446400642395},{"word":"it","start":485.60498,"end":485.685,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2563374638557434},{"word":"will","start":485.685,"end":485.925,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14179304242134094},{"word":"no","start":485.925,"end":486.085,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.04741145670413971},{"word":"longer","start":486.085,"end":486.32498,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.019872725009918213},{"word":"exist","start":486.32498,"end":486.565,"confidence":0.9892578,"punctuated_word":"exist","sentiment":"neutral","sentiment_score":0.11185026168823242},{"word":"in","start":486.565,"end":486.645,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0464215874671936},{"word":"the","start":486.645,"end":486.805,"confidence":0.84277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12490248680114746},{"word":"super","start":486.805,"end":487.04498,"confidence":0.984375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.02070745825767517},{"word":"environment","start":487.04498,"end":487.445,"confidence":0.7663574,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.1156398355960846},{"word":"and","start":487.445,"end":487.60498,"confidence":0.73657227,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.16275039315223694},{"word":"basically","start":487.60498,"end":488.10498,"confidence":0.9658203,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.18313121795654297},{"word":"she'll","start":488.93,"end":489.25,"confidence":0.9970703,"punctuated_word":"she'll","sentiment":"neutral","sentiment_score":0.3180193305015564},{"word":"never","start":489.25,"end":489.49,"confidence":0.42749023,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.14273689687252045},{"word":"have","start":489.49,"end":489.57,"confidence":0.98828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3111211657524109},{"word":"the","start":489.57,"end":489.81,"confidence":0.89746094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21817006170749664},{"word":"super","start":489.81,"end":489.97,"confidence":0.98828125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20156511664390564},{"word":"funds","start":489.97,"end":490.21,"confidence":0.63061523,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.3102036714553833},{"word":"and","start":490.21,"end":490.37,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33706218004226685},{"word":"the","start":490.37,"end":490.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4021254479885102},{"word":"money","start":490.53,"end":490.85,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4156791567802429},{"word":"comes","start":490.85,"end":491.16998,"confidence":0.98535156,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.4510544538497925},{"word":"to","start":491.16998,"end":491.49,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.492137610912323},{"word":"you","start":491.49,"end":491.99,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5179775953292847},{"word":"guys","start":492.37,"end":492.69,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.4430166482925415},{"word":"and","start":492.69,"end":492.93,"confidence":0.57421875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4315016269683838},{"word":"as","start":492.93,"end":493.01,"confidence":0.38256836,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4054899215698242},{"word":"it","start":493.01,"end":493.09,"confidence":0.43164062,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4137212932109833},{"word":"like","start":493.16998,"end":493.33,"confidence":0.97216797,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.27713513374328613},{"word":"in","start":493.33,"end":493.41,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3425639569759369},{"word":"your","start":493.41,"end":493.57,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4052882790565491},{"word":"bank","start":493.57,"end":493.72998,"confidence":0.9980469,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.3114929497241974},{"word":"account","start":493.72998,"end":494.22998,"confidence":0.9831543,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.2408347874879837},{"word":"the","start":494.53,"end":494.61,"confidence":0.63183594,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08860816806554794},{"word":"downside","start":494.61,"end":495.01,"confidence":0.9951172,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.22554849088191983},{"word":"to","start":495.01,"end":495.41,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28099578619003296},{"word":"this","start":495.41,"end":495.65,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.28276515007019043},{"word":"is","start":495.65,"end":496.15,"confidence":0.99902344,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3775123059749603},{"word":"she","start":496.69,"end":496.85,"confidence":0.8935547,"punctuated_word":"she","sentiment":"negative","sentiment_score":-0.497949093580246},{"word":"has","start":496.85,"end":497.09,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.597273588180542},{"word":"to","start":497.09,"end":497.16998,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6768649220466614},{"word":"pay","start":497.16998,"end":497.49,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.7047352194786072},{"word":"tax","start":497.49,"end":497.99,"confidence":0.99316406,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.5166444778442383},{"word":"on","start":498.29,"end":498.44998,"confidence":0.99902344,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.5575502514839172},{"word":"that","start":498.44998,"end":498.61,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5992845892906189},{"word":"money","start":498.61,"end":499.01,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.5089232921600342},{"word":"because","start":499.01,"end":499.33,"confidence":0.6220703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.30637866258621216},{"word":"currently","start":499.33,"end":499.81,"confidence":0.7092285,"punctuated_word":"currently,","sentiment":"negative","sentiment_score":-0.4594074487686157},{"word":"the","start":499.81,"end":500.05,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.47411587834358215},{"word":"money","start":500.05,"end":500.21,"confidence":0.9980469,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3990141451358795},{"word":"in","start":500.21,"end":500.44998,"confidence":0.9667969,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4860968589782715},{"word":"super","start":500.44998,"end":500.85,"confidence":0.85546875,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.4118087589740753},{"word":"is","start":500.85,"end":501.01,"confidence":0.7265625,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3638615012168884},{"word":"only","start":501.01,"end":501.25,"confidence":0.9951172,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3464549481868744},{"word":"paid","start":501.25,"end":501.75,"confidence":0.9951172,"punctuated_word":"paid","sentiment":"negative","sentiment_score":-0.35705798864364624},{"word":"superannuation","start":502.77,"end":503.27,"confidence":0.9897461,"punctuated_word":"superannuation","sentiment":"negative","sentiment_score":-0.4165450632572174},{"word":"tax","start":503.49,"end":503.72998,"confidence":0.9367676,"punctuated_word":"tax,","sentiment":"negative","sentiment_score":-0.4049721956253052},{"word":"which","start":503.72998,"end":503.88998,"confidence":0.9716797,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.4556114673614502},{"word":"is","start":503.88998,"end":504.345,"confidence":0.9741211,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.42606398463249207},{"word":"15%","start":504.425,"end":505.085,"confidence":0.8111572,"punctuated_word":"15%,","sentiment":"negative","sentiment_score":-0.37901318073272705},{"word":"she","start":505.465,"end":505.625,"confidence":0.9980469,"punctuated_word":"she","sentiment":"negative","sentiment_score":-0.3459756672382355},{"word":"has","start":505.625,"end":505.865,"confidence":0.9951172,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.38631442189216614},{"word":"to","start":505.865,"end":506.365,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12920130789279938},{"word":"she'll","start":507.065,"end":507.385,"confidence":0.9941406,"punctuated_word":"she'll","sentiment":"neutral","sentiment_score":-0.04109589755535126},{"word":"have","start":507.385,"end":507.545,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02745365723967552},{"word":"to","start":507.545,"end":507.705,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011967532336711884},{"word":"pay","start":507.705,"end":508.025,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.007385373115539551},{"word":"up","start":508.025,"end":508.265,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.041713640093803406},{"word":"to","start":508.265,"end":508.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027941901236772537},{"word":"it's","start":509.465,"end":509.785,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03234652057290077},{"word":"up","start":509.785,"end":509.945,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0093371644616127},{"word":"to","start":509.945,"end":510.025,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.036224931478500366},{"word":"22%","start":510.025,"end":510.905,"confidence":0.95198566,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":-0.029136668890714645},{"word":"of","start":510.905,"end":511.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06853607296943665},{"word":"the","start":511.065,"end":511.305,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08306904137134552},{"word":"amount","start":511.305,"end":511.805,"confidence":0.9975586,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.05327378958463669},{"word":"yeah","start":521.22003,"end":521.46,"confidence":0.8623047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024459999054670337},{"word":"so","start":521.46,"end":521.7,"confidence":0.79174805,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.013673420995473862},{"word":"like","start":521.7,"end":522.02,"confidence":0.92626953,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0047933124005794525},{"word":"essentially","start":522.02,"end":522.52,"confidence":0.9797363,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.005713800899684429},{"word":"it'd","start":522.58,"end":522.74,"confidence":0.86328125,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.0015261794906109571},{"word":"be","start":522.74,"end":522.9,"confidence":0.90722656,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0011331066489219666},{"word":"under","start":522.9,"end":523.14,"confidence":0.98828125,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.02706359326839447},{"word":"$2","start":523.14,"end":523.54,"confidence":0.9078369,"punctuated_word":"$2.","sentiment":"neutral","sentiment_score":-0.021998893469572067},{"word":"you'd","start":523.54,"end":523.86,"confidence":0.97998047,"punctuated_word":"You'd","sentiment":"neutral","sentiment_score":-0.22652332484722135},{"word":"still","start":523.86,"end":524.1,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.20990878343582153},{"word":"end","start":524.1,"end":524.26,"confidence":0.9980469,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.2364438772201538},{"word":"up","start":524.26,"end":524.42,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2514829635620117},{"word":"walking","start":524.42,"end":524.74,"confidence":0.99316406,"punctuated_word":"walking","sentiment":"neutral","sentiment_score":-0.211834579706192},{"word":"away","start":524.74,"end":524.98,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.2231860458850861},{"word":"with","start":524.98,"end":525.06,"confidence":0.9194336,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2318213582038879},{"word":"sort","start":525.06,"end":525.3,"confidence":0.95947266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1897989809513092},{"word":"of","start":525.3,"end":525.54,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19939011335372925},{"word":"6","start":525.54,"end":526.04,"confidence":0.9941406,"punctuated_word":"6","sentiment":"neutral","sentiment_score":-0.14176766574382782},{"word":"3","start":526.74,"end":527.22003,"confidence":0.9428711,"punctuated_word":"3","sentiment":"neutral","sentiment_score":-0.0182699766010046},{"word":"six","start":527.22003,"end":527.62,"confidence":0.48632812,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.01143227331340313},{"word":"2","start":527.62,"end":527.86,"confidence":0.9316406,"punctuated_word":"2","sentiment":"neutral","sentiment_score":-0.01055343821644783},{"word":"something","start":527.86,"end":528.36,"confidence":0.9782715,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.008314191363751888},{"word":"so","start":542.565,"end":542.805,"confidence":0.68603516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06824598461389542},{"word":"they","start":542.805,"end":543.045,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07584676146507263},{"word":"will","start":543.045,"end":543.44495,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09717853367328644},{"word":"ask","start":543.44495,"end":543.845,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.07700277864933014},{"word":"for","start":543.845,"end":544.345,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06540654599666595},{"word":"confirmation","start":545.77,"end":546.17,"confidence":0.9951172,"punctuated_word":"confirmation","sentiment":"neutral","sentiment_score":0.08833041787147522},{"word":"of","start":546.17,"end":546.33,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12930826842784882},{"word":"centrelink","start":546.33,"end":546.83,"confidence":0.920166,"punctuated_word":"Centrelink.","sentiment":"neutral","sentiment_score":0.1746361255645752},{"word":"so","start":547.05,"end":547.52997,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11695410311222076},{"word":"first","start":547.52997,"end":547.85,"confidence":0.79248047,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0961240604519844},{"word":"and","start":547.85,"end":547.93,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12477941066026688},{"word":"foremost","start":547.93,"end":548.33,"confidence":0.9638672,"punctuated_word":"foremost,","sentiment":"neutral","sentiment_score":0.10916686058044434},{"word":"what","start":548.33,"end":548.49,"confidence":0.96777344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15582449734210968},{"word":"i'd","start":548.49,"end":548.57,"confidence":0.8071289,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.13835598528385162},{"word":"probably","start":548.57,"end":549.07,"confidence":0.98828125,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1178165078163147},{"word":"do","start":549.13,"end":549.63,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11212387681007384},{"word":"is","start":550.08997,"end":550.33,"confidence":0.7114258,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.13979607820510864},{"word":"as","start":550.33,"end":550.57,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16375058889389038},{"word":"simple","start":550.57,"end":550.89,"confidence":0.8925781,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.172944113612175},{"word":"as","start":550.89,"end":551.05,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12782403826713562},{"word":"they","start":551.05,"end":551.21,"confidence":0.9770508,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14058718085289},{"word":"are","start":551.21,"end":551.71,"confidence":0.9946289,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.14780279994010925},{"word":"call","start":552.17,"end":552.41,"confidence":0.7314453,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.17685052752494812},{"word":"centrelink","start":552.41,"end":552.91,"confidence":0.92004395,"punctuated_word":"Centrelink,","sentiment":"neutral","sentiment_score":0.21001207828521729},{"word":"and","start":552.97,"end":553.45,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14842988550662994},{"word":"i","start":553.45,"end":553.61,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1917904168367386},{"word":"can","start":553.61,"end":553.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18020929396152496},{"word":"email","start":553.77,"end":554.17,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.16286605596542358},{"word":"you","start":554.17,"end":554.57,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15168200433254242},{"word":"this","start":554.57,"end":555.07,"confidence":0.5689697,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.14118333160877228},{"word":"it's","start":555.29,"end":555.52997,"confidence":0.8557129,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1386791169643402},{"word":"called","start":555.52997,"end":555.93,"confidence":0.93115234,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.12267541140317915},{"word":"q","start":555.93,"end":556.25,"confidence":0.96777344,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.11965972930192947},{"word":"two","start":556.25,"end":556.49,"confidence":0.9658203,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08953621983528137},{"word":"thirty","start":556.49,"end":556.99,"confidence":0.99853516,"punctuated_word":"thirty.","sentiment":"neutral","sentiment_score":0.10820569097995758},{"word":"it's","start":558.41,"end":558.57,"confidence":0.9785156,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08207684755325317},{"word":"basically","start":558.57,"end":559.07,"confidence":0.6225586,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07315429300069809},{"word":"with","start":559.53503,"end":559.695,"confidence":0.18823242,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05595911666750908},{"word":"authority","start":559.695,"end":560.09503,"confidence":0.59277344,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.09365249425172806},{"word":"document","start":560.09503,"end":560.59503,"confidence":0.8769531,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.05871301144361496},{"word":"that","start":560.655,"end":561.135,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08258862793445587},{"word":"stipulates","start":561.135,"end":561.61505,"confidence":0.9628906,"punctuated_word":"stipulates","sentiment":"neutral","sentiment_score":0.12603294849395752},{"word":"that","start":561.61505,"end":561.775,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12881891429424286},{"word":"you","start":561.775,"end":561.85504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15007004141807556},{"word":"are","start":561.85504,"end":562.09503,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1277901530265808},{"word":"eligible","start":562.09503,"end":562.59503,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.19999748468399048},{"word":"under","start":562.815,"end":563.315,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.20010006427764893},{"word":"the","start":564.17505,"end":564.49506,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14324133098125458},{"word":"superannuation","start":564.49506,"end":564.99506,"confidence":0.9970703,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.0850665494799614},{"word":"hardship","start":565.29504,"end":565.79504,"confidence":0.99902344,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":0.03733024001121521},{"word":"ruling","start":566.335,"end":566.835,"confidence":0.9921875,"punctuated_word":"ruling.","sentiment":"neutral","sentiment_score":0.10735977441072464},{"word":"that","start":567.695,"end":567.85504,"confidence":0.94140625,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06848785281181335},{"word":"is","start":567.85504,"end":568.09503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05734313279390335},{"word":"the","start":568.09503,"end":568.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04301758855581283},{"word":"first","start":568.255,"end":568.49506,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03062143176794052},{"word":"thing","start":568.49506,"end":568.73505,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05114549398422241},{"word":"that","start":568.73505,"end":568.895,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04645977169275284},{"word":"i","start":568.895,"end":569.05505,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02691654860973358},{"word":"would","start":569.05505,"end":569.215,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.015031389892101288},{"word":"do","start":569.215,"end":569.455,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.022388741374015808},{"word":"before","start":569.455,"end":569.695,"confidence":0.9980469,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.0024344176054000854},{"word":"you","start":569.695,"end":569.85504,"confidence":0.87841797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05359356105327606},{"word":"even","start":569.85504,"end":570.255,"confidence":0.99121094,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.03309604525566101},{"word":"entertain","start":570.255,"end":570.755,"confidence":0.98828125,"punctuated_word":"entertain","sentiment":"neutral","sentiment_score":-0.08617176860570908},{"word":"jumping","start":570.97504,"end":571.215,"confidence":0.9980469,"punctuated_word":"jumping","sentiment":"neutral","sentiment_score":-0.009630903601646423},{"word":"onto","start":571.215,"end":571.53503,"confidence":0.75341797,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":-0.05066622793674469},{"word":"the","start":571.53503,"end":571.695,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07613381743431091},{"word":"apo","start":571.695,"end":572.195,"confidence":0.9767253,"punctuated_word":"APO.","sentiment":"neutral","sentiment_score":-0.015246143564581873},{"word":"from","start":573.01,"end":573.33,"confidence":0.984375,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.061949484050273895},{"word":"there","start":573.33,"end":573.83,"confidence":0.9975586,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04619352146983147},{"word":"i","start":574.61,"end":574.85,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07565302401781082},{"word":"would","start":574.85,"end":575.01,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07562433183193207},{"word":"then","start":575.01,"end":575.51,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0968884378671646},{"word":"once","start":576.45,"end":576.77,"confidence":0.9970703,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06880795210599899},{"word":"you","start":576.77,"end":576.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06273660063743591},{"word":"get","start":576.85,"end":577.17,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.057131461799144745},{"word":"that","start":577.17,"end":577.49,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0596664696931839},{"word":"you","start":577.49,"end":577.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06985210627317429},{"word":"can","start":577.65,"end":577.81,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06931309401988983},{"word":"then","start":577.81,"end":577.97,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08505392074584961},{"word":"jump","start":577.97,"end":578.13,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.08976778388023376},{"word":"onto","start":578.13,"end":578.45,"confidence":0.7265625,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.07052608579397202},{"word":"the","start":578.45,"end":578.77,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07946199923753738},{"word":"apo","start":578.77,"end":579.08997,"confidence":0.9033203,"punctuated_word":"APO","sentiment":"neutral","sentiment_score":0.0428856760263443},{"word":"website","start":579.08997,"end":579.58997,"confidence":1.0,"punctuated_word":"website","sentiment":"neutral","sentiment_score":0.07829435914754868},{"word":"and","start":579.65,"end":579.81,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07033315300941467},{"word":"go","start":579.81,"end":580.05,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09797761589288712},{"word":"through","start":580.05,"end":580.21,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0438397079706192},{"word":"the","start":580.21,"end":580.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026341840624809265},{"word":"financial","start":580.29,"end":580.77,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.016553305089473724},{"word":"hardship","start":580.77,"end":581.27,"confidence":1.0,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.05885113775730133},{"word":"clause","start":581.89,"end":582.39,"confidence":0.96191406,"punctuated_word":"clause.","sentiment":"neutral","sentiment_score":0.06251712143421173},{"word":"they","start":582.69,"end":582.93,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.03306478261947632},{"word":"will","start":582.93,"end":583.17,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03230257332324982},{"word":"ask","start":583.17,"end":583.41,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.0444970428943634},{"word":"the","start":583.41,"end":583.57,"confidence":0.8881836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04061565548181534},{"word":"supporting","start":583.57,"end":584.05,"confidence":1.0,"punctuated_word":"supporting","sentiment":"neutral","sentiment_score":-0.03573518246412277},{"word":"evidence","start":584.05,"end":584.55,"confidence":0.94262695,"punctuated_word":"evidence.","sentiment":"neutral","sentiment_score":-0.014508511871099472},{"word":"that","start":584.91504,"end":585.155,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.035261765122413635},{"word":"supporting","start":585.155,"end":585.47504,"confidence":0.9980469,"punctuated_word":"supporting","sentiment":"neutral","sentiment_score":-0.04717601090669632},{"word":"evidence","start":585.47504,"end":585.875,"confidence":1.0,"punctuated_word":"evidence","sentiment":"neutral","sentiment_score":-0.026913434267044067},{"word":"will","start":585.875,"end":586.375,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.010677292943000792},{"word":"be","start":586.67505,"end":586.835,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.003354974091053009},{"word":"unpaid","start":586.835,"end":587.315,"confidence":1.0,"punctuated_word":"unpaid","sentiment":"neutral","sentiment_score":-0.15918667614459991},{"word":"bills","start":587.315,"end":587.815,"confidence":0.9382324,"punctuated_word":"bills,","sentiment":"neutral","sentiment_score":-0.09781985729932784},{"word":"bank","start":588.67505,"end":588.995,"confidence":0.99609375,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.14431065320968628},{"word":"statements","start":588.995,"end":589.395,"confidence":0.9980469,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":-0.11183545738458632},{"word":"from","start":589.395,"end":589.635,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.19806623458862305},{"word":"her","start":589.635,"end":590.135,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.16091154515743256},{"word":"showing","start":590.755,"end":591.155,"confidence":0.50097656,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":-0.22628185153007507},{"word":"no","start":591.155,"end":591.315,"confidence":0.95947266,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.21866805851459503},{"word":"comp","start":591.315,"end":591.555,"confidence":0.2631836,"punctuated_word":"comp","sentiment":"neutral","sentiment_score":-0.1800065040588379},{"word":"no","start":591.635,"end":591.79504,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2471548467874527},{"word":"money","start":591.79504,"end":592.03503,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.24043165147304535},{"word":"coming","start":592.03503,"end":592.275,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.2074902355670929},{"word":"in","start":592.275,"end":592.515,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1968899816274643},{"word":"type","start":592.515,"end":592.67505,"confidence":0.9873047,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.1585790514945984},{"word":"of","start":592.67505,"end":592.835,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1027521789073944},{"word":"thing","start":592.835,"end":593.335,"confidence":0.99609375,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.04988478869199753},{"word":"they","start":593.47504,"end":593.715,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.028444651514291763},{"word":"will","start":593.715,"end":594.03503,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.01991456374526024},{"word":"ask","start":594.03503,"end":594.435,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.048908405005931854},{"word":"for","start":594.435,"end":594.935,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09611130505800249},{"word":"and","start":596.67505,"end":596.91504,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07650171220302582},{"word":"when","start":596.91504,"end":597.075,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1150398701429367},{"word":"i","start":597.075,"end":597.23505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13114213943481445},{"word":"say","start":597.23505,"end":597.395,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.13514705002307892},{"word":"unpaid","start":597.395,"end":597.715,"confidence":1.0,"punctuated_word":"unpaid","sentiment":"neutral","sentiment_score":-0.2768399119377136},{"word":"bills","start":597.715,"end":598.03503,"confidence":0.97558594,"punctuated_word":"bills,","sentiment":"neutral","sentiment_score":-0.19129319489002228},{"word":"you","start":598.03503,"end":598.11505,"confidence":0.65722656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2124035656452179},{"word":"like","start":598.195,"end":598.35504,"confidence":0.9838867,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.17575272917747498},{"word":"you","start":598.35504,"end":598.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2819629907608032},{"word":"need","start":598.515,"end":598.67505,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2334136664867401},{"word":"to","start":598.67505,"end":598.835,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21346229314804077},{"word":"show","start":598.835,"end":598.995,"confidence":0.9902344,"punctuated_word":"show","sentiment":"neutral","sentiment_score":-0.31512248516082764},{"word":"unpaid","start":598.995,"end":599.395,"confidence":1.0,"punctuated_word":"unpaid","sentiment":"neutral","sentiment_score":-0.32599949836730957},{"word":"bills","start":599.395,"end":599.895,"confidence":0.9765625,"punctuated_word":"bills.","sentiment":"neutral","sentiment_score":-0.09973342716693878},{"word":"if","start":600.94995,"end":601.43,"confidence":0.9941406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.042083028703927994},{"word":"if","start":601.43,"end":601.75,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04691543802618981},{"word":"there's","start":601.75,"end":602.25,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.03665775805711746},{"word":"invoices","start":603.35,"end":603.85,"confidence":0.9943034,"punctuated_word":"invoices","sentiment":"neutral","sentiment_score":-0.07384345680475235},{"word":"for","start":604.06995,"end":604.55,"confidence":0.9411621,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0424874909222126},{"word":"like","start":604.55,"end":605.05,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04144817590713501},{"word":"like","start":605.35,"end":605.67,"confidence":0.8034668,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04173651337623596},{"word":"you","start":605.67,"end":605.91,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.046862225979566574},{"word":"know","start":605.91,"end":606.41,"confidence":0.9802246,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0405799075961113},{"word":"for","start":606.55,"end":606.70996,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04562201723456383},{"word":"example","start":606.70996,"end":607.11,"confidence":0.9880371,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.03589490056037903},{"word":"kids","start":607.11,"end":607.35,"confidence":0.9980469,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.023515848442912105},{"word":"at","start":607.35,"end":607.43,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03843193128705025},{"word":"school","start":607.43,"end":607.82996,"confidence":1.0,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.025299223139882088},{"word":"or","start":607.82996,"end":608.32996,"confidence":0.93359375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03300056234002113},{"word":"dentist","start":609.02997,"end":609.52997,"confidence":0.88134766,"punctuated_word":"dentist","sentiment":"neutral","sentiment_score":-0.017297863960266113},{"word":"bills","start":609.58997,"end":609.99,"confidence":0.95410156,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.03541877120733261},{"word":"or","start":609.99,"end":610.14996,"confidence":0.98828125,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.03687278926372528},{"word":"you","start":610.14996,"end":610.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04917614161968231},{"word":"know","start":610.23,"end":610.47,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05151941254734993},{"word":"anything","start":610.47,"end":610.87,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05544828996062279},{"word":"that","start":610.87,"end":611.11,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.050115711987018585},{"word":"you","start":611.11,"end":611.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05707506090402603},{"word":"guys","start":611.19,"end":611.50995,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.06525527685880661},{"word":"are","start":611.50995,"end":611.67,"confidence":0.9790039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04350969567894936},{"word":"needing","start":611.67,"end":611.99,"confidence":0.99902344,"punctuated_word":"needing","sentiment":"neutral","sentiment_score":-0.05466576665639877},{"word":"to","start":611.99,"end":612.14996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06084631755948067},{"word":"do","start":612.14996,"end":612.31,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05656294897198677},{"word":"in","start":612.31,"end":612.47,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03904079645872116},{"word":"the","start":612.47,"end":612.62994,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036254435777664185},{"word":"near","start":612.62994,"end":612.87,"confidence":1.0,"punctuated_word":"near","sentiment":"neutral","sentiment_score":-0.03594658896327019},{"word":"future","start":612.87,"end":613.19,"confidence":0.80322266,"punctuated_word":"future,","sentiment":"neutral","sentiment_score":-0.047657281160354614},{"word":"and","start":613.19,"end":613.35,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03477296233177185},{"word":"you","start":613.35,"end":613.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027162468060851097},{"word":"can","start":613.43,"end":613.58997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.022781161591410637},{"word":"go","start":613.58997,"end":613.995,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.020973285660147667},{"word":"like","start":614.955,"end":615.195,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03312312066555023},{"word":"receipts","start":615.195,"end":615.595,"confidence":0.96875,"punctuated_word":"receipts","sentiment":"neutral","sentiment_score":-0.045565053820610046},{"word":"of","start":615.595,"end":615.755,"confidence":0.44995117,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0519322045147419},{"word":"not","start":615.835,"end":615.995,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04692455008625984},{"word":"receipts","start":615.995,"end":616.475,"confidence":0.9003906,"punctuated_word":"receipts,","sentiment":"neutral","sentiment_score":-0.05056661367416382},{"word":"but","start":616.475,"end":616.635,"confidence":0.9448242,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05418660491704941},{"word":"bills","start":616.635,"end":617.035,"confidence":0.9892578,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.06072733551263809},{"word":"for","start":617.035,"end":617.275,"confidence":0.9111328,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0690663754940033},{"word":"or","start":617.275,"end":617.675,"confidence":0.85253906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.054964229464530945},{"word":"invoices","start":617.675,"end":618.15497,"confidence":1.0,"punctuated_word":"invoices","sentiment":"neutral","sentiment_score":-0.07523667067289352},{"word":"for","start":618.15497,"end":618.65497,"confidence":0.83154297,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0742567777633667},{"word":"include","start":618.795,"end":619.275,"confidence":0.9980469,"punctuated_word":"include","sentiment":"neutral","sentiment_score":-0.08797261118888855},{"word":"those","start":619.275,"end":619.775,"confidence":0.9812012,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":-0.10120867192745207},{"word":"the","start":621.195,"end":621.355,"confidence":0.77441406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.16572383046150208},{"word":"fact","start":621.355,"end":621.515,"confidence":1.0,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":-0.2711474597454071},{"word":"that","start":621.515,"end":621.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2413957566022873},{"word":"you","start":621.675,"end":621.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.29938173294067383},{"word":"were","start":621.835,"end":621.995,"confidence":0.9892578,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.3073418438434601},{"word":"off","start":621.995,"end":622.15497,"confidence":0.9980469,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.33828917145729065},{"word":"work","start":622.15497,"end":622.315,"confidence":0.9980469,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.4591090977191925},{"word":"for","start":622.315,"end":622.475,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4071239829063415},{"word":"two","start":622.475,"end":622.635,"confidence":0.99902344,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.4351090788841248},{"word":"months","start":622.635,"end":622.875,"confidence":0.9460449,"punctuated_word":"months,","sentiment":"negative","sentiment_score":-0.3736029863357544},{"word":"if","start":622.875,"end":623.115,"confidence":0.99609375,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.34441813826560974},{"word":"there's","start":623.115,"end":623.275,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.28768977522850037},{"word":"anything","start":623.275,"end":623.515,"confidence":1.0,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.34854957461357117},{"word":"that's","start":623.515,"end":623.755,"confidence":0.95581055,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.3139055371284485},{"word":"kind","start":623.755,"end":623.915,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.3182973265647888},{"word":"of","start":623.915,"end":623.995,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.34748026728630066},{"word":"hanging","start":623.995,"end":624.315,"confidence":0.9970703,"punctuated_word":"hanging","sentiment":"negative","sentiment_score":-0.5064802169799805},{"word":"overhead","start":624.315,"end":624.635,"confidence":0.8017578,"punctuated_word":"overhead","sentiment":"negative","sentiment_score":-0.49538105726242065},{"word":"because","start":624.635,"end":624.955,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2797345817089081},{"word":"of","start":624.955,"end":625.115,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29811379313468933},{"word":"that","start":625.115,"end":625.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3064844012260437},{"word":"that","start":625.275,"end":625.355,"confidence":0.8935547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.27753838896751404},{"word":"you're","start":625.355,"end":625.595,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2977127730846405},{"word":"trying","start":625.595,"end":625.835,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.2768728733062744},{"word":"to","start":625.835,"end":625.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3024516999721527},{"word":"catch","start":625.995,"end":626.15497,"confidence":1.0,"punctuated_word":"catch","sentiment":"negative","sentiment_score":-0.3359876871109009},{"word":"up","start":626.15497,"end":626.395,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2888246178627014},{"word":"on","start":626.395,"end":626.85,"confidence":0.99560547,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.30397605895996094},{"word":"try","start":627.41,"end":627.56995,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.2688375413417816},{"word":"not","start":627.56995,"end":627.81,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.22301219403743744},{"word":"to","start":627.81,"end":627.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2787169814109802},{"word":"catch","start":627.97,"end":628.13,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.31040021777153015},{"word":"up","start":628.13,"end":628.29,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.3068799674510956},{"word":"on","start":628.29,"end":628.37,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.33533206582069397},{"word":"it","start":628.37,"end":628.52997,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2949639558792114},{"word":"until","start":628.52997,"end":628.76996,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.3023037910461426},{"word":"you","start":628.76996,"end":629.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2000742703676224},{"word":"submit","start":629.17,"end":629.67,"confidence":0.9970703,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":-0.1964724063873291},{"word":"the","start":630.29,"end":630.52997,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17235451936721802},{"word":"claim","start":630.52997,"end":631.02997,"confidence":0.97680664,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.16609206795692444},{"word":"we're","start":633.00995,"end":633.25,"confidence":0.9013672,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.0807027667760849},{"word":"we're","start":633.25,"end":633.73,"confidence":0.8918457,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08600521087646484},{"word":"we're","start":633.73,"end":633.77,"confidence":0.9736328,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.10783331096172331},{"word":"we're","start":633.77,"end":633.81,"confidence":0.92578125,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.14797919988632202},{"word":"caught","start":633.81,"end":634.05,"confidence":0.54248047,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":-0.1388125121593475},{"word":"we're","start":634.05,"end":634.29,"confidence":0.75341797,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.1768837571144104},{"word":"we're","start":634.29,"end":634.44995,"confidence":0.828125,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.1829131543636322},{"word":"caught","start":634.44995,"end":634.69,"confidence":0.9819336,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":-0.1531912237405777},{"word":"up","start":634.69,"end":635.19,"confidence":0.9851074,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.13829901814460754},{"word":"yeah","start":637.00995,"end":637.50995,"confidence":0.88793945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01077486388385296},{"word":"yeah","start":639.555,"end":639.795,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005703719332814217},{"word":"that's","start":639.795,"end":640.035,"confidence":0.97094727,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.006894047372043133},{"word":"the","start":640.035,"end":640.195,"confidence":0.3725586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01366380788385868},{"word":"only","start":640.195,"end":640.355,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01962054893374443},{"word":"thing","start":640.355,"end":640.855,"confidence":0.7963867,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.01158265955746174},{"word":"we","start":641.395,"end":641.635,"confidence":0.99316406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10944101959466934},{"word":"do","start":641.635,"end":642.135,"confidence":0.99853516,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.11452431976795197},{"word":"that's","start":643.635,"end":643.875,"confidence":0.7937012,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16451981663703918},{"word":"my","start":643.875,"end":644.035,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1468818038702011},{"word":"favorite","start":644.035,"end":644.435,"confidence":0.99902344,"punctuated_word":"favorite","sentiment":"neutral","sentiment_score":0.17675627768039703},{"word":"bank","start":644.435,"end":644.755,"confidence":0.98950195,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":0.1382468342781067},{"word":"i","start":644.755,"end":644.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022290892899036407},{"word":"don't","start":644.835,"end":645.075,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.014590831473469734},{"word":"have","start":645.075,"end":645.235,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.004836156964302063},{"word":"one","start":645.235,"end":645.395,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.011190377175807951},{"word":"of","start":645.395,"end":645.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02421591430902481},{"word":"those","start":645.475,"end":645.715,"confidence":0.97021484,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.002919387072324753},{"word":"but","start":645.715,"end":646.035,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.016288135200738907},{"word":"i","start":646.035,"end":646.275,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025169607251882553},{"word":"i","start":646.275,"end":646.435,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05833946913480759},{"word":"get","start":646.435,"end":646.675,"confidence":0.9902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04917243495583534},{"word":"the","start":646.675,"end":646.755,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02292914316058159},{"word":"concept","start":646.755,"end":647.255,"confidence":0.9873047,"punctuated_word":"concept.","sentiment":"neutral","sentiment_score":0.04281817749142647},{"word":"well","start":652.755,"end":653.235,"confidence":0.9760742,"punctuated_word":"Well","sentiment":"neutral","sentiment_score":-0.04648538678884506},{"word":"so","start":654.24,"end":654.74,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01497155986726284},{"word":"under","start":655.44,"end":655.84,"confidence":0.8959961,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.020298641175031665},{"word":"that","start":655.84,"end":656.34,"confidence":0.9746094,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.014991363510489464},{"word":"would","start":657.44,"end":657.84,"confidence":0.7675781,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.002911515533924103},{"word":"dad","start":657.84,"end":658.24,"confidence":0.94628906,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":0.017979837954044342},{"word":"be","start":658.24,"end":658.56,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.018788080662488937},{"word":"willing","start":658.56,"end":659.06,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":0.0245048888027668},{"word":"to","start":659.28,"end":659.6,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022259123623371124},{"word":"go","start":659.6,"end":660.0,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02153411880135536},{"word":"to","start":660.0,"end":660.48,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029956556856632233},{"word":"a","start":660.48,"end":660.88,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022416850551962852},{"word":"jp","start":660.88,"end":661.38,"confidence":0.8630371,"punctuated_word":"JP,","sentiment":"neutral","sentiment_score":0.0011154289823025465},{"word":"like","start":661.92,"end":662.08,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02888745814561844},{"word":"a","start":662.08,"end":662.16,"confidence":0.5991211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04835525155067444},{"word":"justice","start":662.16,"end":662.48,"confidence":0.86328125,"punctuated_word":"justice","sentiment":"neutral","sentiment_score":0.04076535254716873},{"word":"of","start":662.48,"end":662.64,"confidence":0.9536133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07045817375183105},{"word":"the","start":662.64,"end":662.72,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041201263666152954},{"word":"peace","start":662.72,"end":663.22,"confidence":0.9128418,"punctuated_word":"peace,","sentiment":"neutral","sentiment_score":0.05317075550556183},{"word":"and","start":663.52,"end":663.92,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03702483698725701},{"word":"sign","start":663.92,"end":664.4,"confidence":0.91259766,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.028361592441797256},{"word":"a","start":664.4,"end":664.88,"confidence":0.91845703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03390353173017502},{"word":"statutory","start":664.88,"end":665.38,"confidence":0.984375,"punctuated_word":"statutory","sentiment":"neutral","sentiment_score":0.022847307845950127},{"word":"declaration","start":665.44,"end":665.94,"confidence":0.8959961,"punctuated_word":"declaration","sentiment":"neutral","sentiment_score":0.016245968639850616},{"word":"state","start":666.0,"end":666.32,"confidence":0.56396484,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.025113806128501892},{"word":"stating","start":666.4,"end":666.8,"confidence":0.98535156,"punctuated_word":"stating","sentiment":"neutral","sentiment_score":0.020925115793943405},{"word":"that","start":666.8,"end":667.04,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008479572832584381},{"word":"he","start":667.04,"end":667.36,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.006596891209483147},{"word":"loaned","start":667.36,"end":667.86,"confidence":0.9970703,"punctuated_word":"loaned","sentiment":"neutral","sentiment_score":-0.007466680370271206},{"word":"x","start":669.245,"end":669.405,"confidence":0.96777344,"punctuated_word":"x","sentiment":"neutral","sentiment_score":-0.001806207001209259},{"word":"amount","start":669.405,"end":669.72504,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.02743922919034958},{"word":"of","start":669.72504,"end":669.885,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018754784017801285},{"word":"money","start":669.885,"end":670.28503,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.031581588089466095},{"word":"to","start":670.28503,"end":670.605,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022214442491531372},{"word":"you","start":670.605,"end":670.765,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03276565298438072},{"word":"guys","start":670.765,"end":671.165,"confidence":0.9838867,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.0480736568570137},{"word":"with","start":671.165,"end":671.405,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04119034856557846},{"word":"the","start":671.405,"end":671.565,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05156050622463226},{"word":"caveat","start":671.565,"end":671.965,"confidence":0.99609375,"punctuated_word":"caveat","sentiment":"neutral","sentiment_score":-0.07978957891464233},{"word":"that","start":671.965,"end":672.125,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08814774453639984},{"word":"had","start":672.125,"end":672.28503,"confidence":0.4128418,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.09389206767082214},{"word":"to","start":672.28503,"end":672.445,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11616910994052888},{"word":"be","start":672.445,"end":672.525,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10814277827739716},{"word":"repaid","start":672.525,"end":672.925,"confidence":0.99902344,"punctuated_word":"repaid","sentiment":"neutral","sentiment_score":-0.16288411617279053},{"word":"by","start":672.925,"end":673.325,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.10090460628271104},{"word":"xdate","start":673.325,"end":673.825,"confidence":0.309021,"punctuated_word":"Xdate","sentiment":"neutral","sentiment_score":-0.08742621541023254},{"word":"showing","start":674.445,"end":674.765,"confidence":0.6669922,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":-0.08730554580688477},{"word":"a","start":674.765,"end":674.925,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.051489390432834625},{"word":"debt","start":674.925,"end":675.405,"confidence":0.71875,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.04294377565383911},{"word":"and","start":675.405,"end":675.645,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0038157515227794647},{"word":"he","start":675.645,"end":675.885,"confidence":0.99609375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.008079806342720985},{"word":"and","start":675.965,"end":676.205,"confidence":0.9770508,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.01231500506401062},{"word":"like","start":676.205,"end":676.605,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.022337110713124275},{"word":"you","start":676.605,"end":676.84503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01103728637099266},{"word":"could","start":676.84503,"end":677.245,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.008892238140106201},{"word":"you","start":677.245,"end":677.485,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012927494943141936},{"word":"could","start":677.485,"end":677.72504,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.01219039037823677},{"word":"write","start":677.72504,"end":678.045,"confidence":0.9980469,"punctuated_word":"write","sentiment":"neutral","sentiment_score":-0.013452541083097458},{"word":"like","start":678.125,"end":678.625,"confidence":0.98657227,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.014698101207613943},{"word":"your","start":679.085,"end":679.325,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02844154462218285},{"word":"partner","start":679.325,"end":679.645,"confidence":0.99902344,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.05299932509660721},{"word":"could","start":679.645,"end":679.805,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.02303993329405785},{"word":"write","start":679.805,"end":680.045,"confidence":0.99902344,"punctuated_word":"write","sentiment":"neutral","sentiment_score":-0.027273058891296387},{"word":"a","start":680.045,"end":680.205,"confidence":0.8745117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02716362103819847},{"word":"a","start":680.205,"end":680.365,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02859175950288773},{"word":"stat","start":680.365,"end":680.525,"confidence":0.6464844,"punctuated_word":"stat","sentiment":"neutral","sentiment_score":-0.04561446234583855},{"word":"deck","start":680.525,"end":680.765,"confidence":0.63134766,"punctuated_word":"deck","sentiment":"neutral","sentiment_score":-0.011190909892320631},{"word":"being","start":680.765,"end":681.005,"confidence":0.81933594,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.03940841928124428},{"word":"like","start":681.005,"end":681.505,"confidence":0.6516113,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.047159161418676376},{"word":"this","start":681.87994,"end":682.12,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06563719362020493},{"word":"happened","start":682.12,"end":682.57996,"confidence":0.75683594,"punctuated_word":"happened.","sentiment":"neutral","sentiment_score":-0.06647734344005585},{"word":"like","start":682.57996,"end":683.04,"confidence":0.9975586,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.098778635263443},{"word":"you","start":683.04,"end":683.5,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.114337220788002},{"word":"know","start":683.5,"end":683.95996,"confidence":0.9926758,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10806669294834136},{"word":"christopher","start":683.95996,"end":684.43994,"confidence":0.9453125,"punctuated_word":"Christopher","sentiment":"neutral","sentiment_score":-0.212092787027359},{"word":"lost","start":684.43994,"end":684.75995,"confidence":0.99121094,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.21104951202869415},{"word":"job","start":684.75995,"end":685.24,"confidence":0.93969727,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":-0.20365175604820251},{"word":"we","start":685.24,"end":685.39996,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.12033192813396454},{"word":"had","start":685.39996,"end":685.63995,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.15475213527679443},{"word":"all","start":685.63995,"end":685.8,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.23430849611759183},{"word":"of","start":685.8,"end":685.95996,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2556900978088379},{"word":"these","start":685.95996,"end":686.12,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.24610130488872528},{"word":"bills","start":686.12,"end":686.36,"confidence":0.99902344,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.25943994522094727},{"word":"that","start":686.36,"end":686.51996,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22325529158115387},{"word":"were","start":686.51996,"end":686.68,"confidence":0.60253906,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1985038220882416},{"word":"unpaid","start":686.68,"end":687.18,"confidence":0.9785156,"punctuated_word":"unpaid.","sentiment":"neutral","sentiment_score":-0.2904120683670044},{"word":"we","start":687.56,"end":687.8,"confidence":0.9941406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.18512210249900815},{"word":"were","start":687.8,"end":687.95996,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.23732537031173703},{"word":"gonna","start":687.95996,"end":688.36,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2524566650390625},{"word":"default","start":688.36,"end":688.75995,"confidence":0.99902344,"punctuated_word":"default","sentiment":"neutral","sentiment_score":-0.25591105222702026},{"word":"on","start":688.75995,"end":689.07996,"confidence":0.96850586,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.26457658410072327},{"word":"lose","start":689.07996,"end":689.39996,"confidence":0.99609375,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.21553021669387817},{"word":"whatever","start":689.39996,"end":689.89996,"confidence":0.6123047,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":-0.20445159077644348},{"word":"tell","start":690.19995,"end":690.43994,"confidence":0.82714844,"punctuated_word":"Tell","sentiment":"neutral","sentiment_score":-0.09603851288557053},{"word":"the","start":690.43994,"end":690.6,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06891967356204987},{"word":"story","start":690.6,"end":691.1,"confidence":0.98583984,"punctuated_word":"story.","sentiment":"neutral","sentiment_score":-0.07849052548408508},{"word":"don't","start":691.24,"end":691.56,"confidence":0.9970703,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.09125745296478271},{"word":"lie","start":691.56,"end":692.06,"confidence":0.99902344,"punctuated_word":"lie.","sentiment":"neutral","sentiment_score":-0.12012803554534912},{"word":"tell","start":692.68,"end":692.92,"confidence":0.99902344,"punctuated_word":"Tell","sentiment":"neutral","sentiment_score":-0.04163220152258873},{"word":"the","start":692.92,"end":693.07996,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021054571494460102},{"word":"story","start":693.07996,"end":693.57996,"confidence":0.8581543,"punctuated_word":"story.","sentiment":"neutral","sentiment_score":-0.025869209319353104},{"word":"sign","start":693.63995,"end":694.04,"confidence":0.9941406,"punctuated_word":"Sign","sentiment":"neutral","sentiment_score":0.034031204879283905},{"word":"off","start":694.04,"end":694.19995,"confidence":0.82470703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.017113637179136276},{"word":"under","start":694.19995,"end":694.43994,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.06057509034872055},{"word":"a","start":694.43994,"end":694.6,"confidence":0.9326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.048684194684028625},{"word":"stat","start":694.6,"end":694.75995,"confidence":1.0,"punctuated_word":"stat","sentiment":"neutral","sentiment_score":0.008729986846446991},{"word":"deck","start":694.75995,"end":695.085,"confidence":0.763916,"punctuated_word":"deck,","sentiment":"neutral","sentiment_score":0.03664764016866684},{"word":"and","start":695.16504,"end":695.405,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01424417644739151},{"word":"then","start":695.405,"end":695.645,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.020550917834043503},{"word":"go","start":695.645,"end":695.965,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0226324200630188},{"word":"to","start":695.965,"end":696.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026459477841854095},{"word":"dad","start":696.125,"end":696.28503,"confidence":0.98828125,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":0.019777141511440277},{"word":"and","start":696.28503,"end":696.445,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00644528865814209},{"word":"be","start":696.445,"end":696.60504,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01619669795036316},{"word":"like","start":696.60504,"end":696.765,"confidence":0.892334,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.007776793092489243},{"word":"dad","start":696.765,"end":697.085,"confidence":0.9951172,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":0.03092750906944275},{"word":"loaned","start":697.085,"end":697.405,"confidence":0.9970703,"punctuated_word":"loaned","sentiment":"neutral","sentiment_score":0.012797219678759577},{"word":"us","start":697.405,"end":697.645,"confidence":0.99316406,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.012733682990074158},{"word":"this","start":697.645,"end":697.885,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02468142658472061},{"word":"money","start":697.885,"end":698.385,"confidence":0.81689453,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.0015422478318214417},{"word":"then","start":698.685,"end":698.92505,"confidence":0.55078125,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":-0.008489014580845833},{"word":"dad","start":698.92505,"end":699.16504,"confidence":0.9951172,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.009619876742362976},{"word":"has","start":699.16504,"end":699.405,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03371678665280342},{"word":"the","start":699.405,"end":699.48505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0376194566488266},{"word":"intention","start":699.48505,"end":699.805,"confidence":1.0,"punctuated_word":"intention","sentiment":"neutral","sentiment_score":-0.023651182651519775},{"word":"of","start":699.805,"end":699.965,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06032268702983856},{"word":"paying","start":699.965,"end":700.125,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.12371416389942168},{"word":"it","start":700.125,"end":700.625,"confidence":0.8874512,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.09603936225175858},{"word":"blah","start":700.84503,"end":700.92505,"confidence":0.7128906,"punctuated_word":"Blah","sentiment":"neutral","sentiment_score":-0.16243183612823486},{"word":"blah","start":700.92505,"end":701.085,"confidence":0.86328125,"punctuated_word":"blah","sentiment":"neutral","sentiment_score":-0.12188627570867538},{"word":"blah","start":701.085,"end":701.565,"confidence":0.9765625,"punctuated_word":"blah.","sentiment":"neutral","sentiment_score":-0.10641232132911682},{"word":"dad","start":701.565,"end":701.885,"confidence":0.99121094,"punctuated_word":"Dad","sentiment":"neutral","sentiment_score":0.017877690494060516},{"word":"has","start":701.885,"end":702.04504,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.003783676773309707},{"word":"to","start":702.04504,"end":702.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01164286583662033},{"word":"do","start":702.125,"end":702.28503,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008220180869102478},{"word":"that","start":702.28503,"end":702.445,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023796021938323975},{"word":"one","start":702.445,"end":702.60504,"confidence":0.9355469,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.0008697845041751862},{"word":"obviously","start":702.60504,"end":703.10504,"confidence":0.84887695,"punctuated_word":"obviously.","sentiment":"neutral","sentiment_score":0.016907989978790283},{"word":"because","start":704.04504,"end":704.54504,"confidence":0.7421875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05979907885193825},{"word":"because","start":704.765,"end":705.085,"confidence":0.9604492,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06665447354316711},{"word":"a","start":705.085,"end":705.245,"confidence":0.9160156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17832501232624054},{"word":"loan","start":705.245,"end":705.565,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.20088154077529907},{"word":"from","start":705.565,"end":705.805,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16671617329120636},{"word":"a","start":705.805,"end":706.305,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16110050678253174},{"word":"from","start":706.445,"end":706.765,"confidence":0.9892578,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12702836096286774},{"word":"a","start":706.765,"end":707.265,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11530238389968872},{"word":"a","start":707.325,"end":707.405,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09263290464878082},{"word":"friend","start":707.405,"end":707.72504,"confidence":0.9980469,"punctuated_word":"friend","sentiment":"neutral","sentiment_score":0.09082344174385072},{"word":"or","start":707.72504,"end":707.805,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10514985769987106},{"word":"family","start":707.805,"end":708.125,"confidence":0.99316406,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.0932806059718132},{"word":"member","start":708.125,"end":708.60504,"confidence":0.9838867,"punctuated_word":"member","sentiment":"neutral","sentiment_score":0.08835809677839279},{"word":"still","start":708.60504,"end":708.92505,"confidence":0.9760742,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14100070297718048},{"word":"counts","start":708.92505,"end":709.38,"confidence":0.9404297,"punctuated_word":"counts","sentiment":"neutral","sentiment_score":0.10883412510156631},{"word":"under","start":710.26,"end":710.5,"confidence":0.9970703,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.12674418091773987},{"word":"the","start":710.5,"end":710.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13785630464553833},{"word":"ato","start":710.74,"end":711.24,"confidence":0.9250488,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":0.15408699214458466},{"word":"claim","start":716.34,"end":716.42,"confidence":0.8947754,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":0.09290646761655807},{"word":"yeah","start":716.42,"end":716.92,"confidence":0.9448242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013776985928416252},{"word":"but","start":718.5,"end":718.74,"confidence":0.94384766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05867278575897217},{"word":"that's","start":718.74,"end":719.06,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.10303375124931335},{"word":"that's","start":719.06,"end":719.38,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.089808389544487},{"word":"kind","start":719.38,"end":719.54,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.10321007668972015},{"word":"of","start":719.54,"end":720.04,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09402336180210114},{"word":"the","start":721.06,"end":721.3,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03906751424074173},{"word":"way","start":721.3,"end":721.46,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.044348545372486115},{"word":"you","start":721.46,"end":721.54,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06138067692518234},{"word":"could","start":721.54,"end":721.7,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08923915773630142},{"word":"do","start":721.7,"end":721.86,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12728874385356903},{"word":"it","start":721.86,"end":722.18,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08841709047555923},{"word":"the","start":722.18,"end":722.34,"confidence":0.9091797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.021006405353546143},{"word":"only","start":722.34,"end":722.775,"confidence":0.97509766,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.019978420808911324},{"word":"yeah","start":724.135,"end":724.455,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.004368712194263935},{"word":"you","start":724.455,"end":724.61505,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0360504612326622},{"word":"still","start":724.61505,"end":724.85504,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.016713518649339676},{"word":"need","start":724.85504,"end":724.935,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.022594287991523743},{"word":"the","start":724.935,"end":725.09503,"confidence":0.81396484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012871023267507551},{"word":"q","start":725.09503,"end":725.215,"confidence":0.9951172,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.003119390457868576},{"word":"two","start":725.215,"end":725.335,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.009944219142198564},{"word":"thirty","start":725.335,"end":725.835,"confidence":0.7277832,"punctuated_word":"thirty.","sentiment":"neutral","sentiment_score":0.014189496636390686},{"word":"because","start":727.575,"end":727.97504,"confidence":0.51171875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.008080512285232544},{"word":"you're","start":727.97504,"end":728.215,"confidence":0.8876953,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.010725430212914944},{"word":"you're","start":728.215,"end":728.375,"confidence":0.9802246,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.004512353800237179},{"word":"going","start":728.375,"end":728.61505,"confidence":0.9863281,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.014529354870319366},{"word":"it's","start":728.695,"end":728.935,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.010162360966205595},{"word":"the","start":729.09503,"end":729.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013621848076581957},{"word":"q","start":729.255,"end":729.495,"confidence":0.99902344,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.012636326253414154},{"word":"230","start":729.495,"end":730.05505,"confidence":0.9980469,"punctuated_word":"230","sentiment":"neutral","sentiment_score":-0.005274353548884392},{"word":"is","start":730.05505,"end":730.29504,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03643268719315529},{"word":"it's","start":730.375,"end":730.53503,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.057708751410245895},{"word":"not","start":730.53503,"end":730.775,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09099476039409636},{"word":"a","start":730.775,"end":730.85504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07111157476902008},{"word":"form","start":730.85504,"end":731.17505,"confidence":0.9387207,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":-0.09580236673355104},{"word":"it's","start":731.17505,"end":731.495,"confidence":0.9597168,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0400928370654583},{"word":"it's","start":731.495,"end":731.995,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.00017148753977380693},{"word":"it's","start":732.775,"end":733.17505,"confidence":0.98999023,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.005666948854923248},{"word":"basically","start":733.17505,"end":733.495,"confidence":0.95410156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.006703726947307587},{"word":"a","start":733.495,"end":733.655,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002528645098209381},{"word":"document","start":733.655,"end":734.05505,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.016806192696094513},{"word":"of","start":734.05505,"end":734.215,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015008322894573212},{"word":"approval","start":734.215,"end":734.715,"confidence":1.0,"punctuated_word":"approval","sentiment":"neutral","sentiment_score":0.0385453999042511},{"word":"that","start":734.775,"end":734.935,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0452326163649559},{"word":"you","start":734.935,"end":735.09503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05247056484222412},{"word":"meet","start":735.09503,"end":735.335,"confidence":0.9873047,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.098361074924469},{"word":"centrelink","start":735.335,"end":735.835,"confidence":0.8569336,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.049913790076971054},{"word":"requirements","start":735.97504,"end":736.47504,"confidence":0.86157227,"punctuated_word":"requirements.","sentiment":"neutral","sentiment_score":0.03940233215689659},{"word":"it","start":739.66,"end":739.89996,"confidence":0.9902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08243787288665771},{"word":"has","start":739.89996,"end":740.06,"confidence":0.9667969,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.11007244884967804},{"word":"a","start":740.06,"end":740.13995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09684057533740996},{"word":"really","start":740.13995,"end":740.38,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.14966517686843872},{"word":"long","start":740.38,"end":740.62,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.16659970581531525},{"word":"stupid","start":740.62,"end":741.1,"confidence":0.64208984,"punctuated_word":"stupid","sentiment":"neutral","sentiment_score":-0.2400469332933426},{"word":"name","start":741.1,"end":741.42,"confidence":0.98168945,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":-0.24648287892341617},{"word":"but","start":741.42,"end":741.74,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13850444555282593},{"word":"it's","start":741.74,"end":741.98,"confidence":0.9082031,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13182619214057922},{"word":"it's","start":741.98,"end":742.38,"confidence":0.86083984,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08714532852172852},{"word":"in","start":742.45996,"end":742.62,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05395455285906792},{"word":"the","start":742.62,"end":742.69995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.059844017028808594},{"word":"industry","start":742.69995,"end":743.01996,"confidence":0.93408203,"punctuated_word":"industry,","sentiment":"neutral","sentiment_score":-0.06067228317260742},{"word":"it's","start":743.01996,"end":743.18,"confidence":0.97680664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05402180552482605},{"word":"known","start":743.18,"end":743.33997,"confidence":0.9892578,"punctuated_word":"known","sentiment":"neutral","sentiment_score":-0.09785469621419908},{"word":"as","start":743.33997,"end":743.5,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06687834113836288},{"word":"a","start":743.5,"end":743.57996,"confidence":0.7480469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05947575718164444},{"word":"q","start":743.57996,"end":743.74,"confidence":0.99609375,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.07037083804607391},{"word":"two","start":743.74,"end":743.89996,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.07030266523361206},{"word":"thirty","start":743.89996,"end":744.39996,"confidence":1.0,"punctuated_word":"thirty.","sentiment":"neutral","sentiment_score":-0.058363012969493866},{"word":"if","start":744.54,"end":744.69995,"confidence":0.93359375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0644463449716568},{"word":"you","start":744.69995,"end":744.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05362354964017868},{"word":"call","start":744.86,"end":745.18,"confidence":0.97802734,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.08494122326374054},{"word":"centrelink","start":745.18,"end":745.57996,"confidence":0.99609375,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.014367666095495224},{"word":"and","start":745.57996,"end":745.74,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08882811665534973},{"word":"say","start":745.74,"end":745.98,"confidence":0.9824219,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.06209757179021835},{"word":"hey","start":745.98,"end":746.13995,"confidence":0.92163086,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.03521716594696045},{"word":"we're","start":746.13995,"end":746.38,"confidence":0.94384766,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.06025001406669617},{"word":"we're","start":746.38,"end":746.54,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.05798979848623276},{"word":"looking","start":746.54,"end":746.77997,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.05609450861811638},{"word":"for","start":746.77997,"end":746.94,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06461877375841141},{"word":"a","start":746.94,"end":747.01996,"confidence":0.80566406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.049428243190050125},{"word":"q","start":747.01996,"end":747.25995,"confidence":1.0,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.06123590469360352},{"word":"two","start":747.25995,"end":747.42,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.045951589941978455},{"word":"thirty","start":747.42,"end":747.92,"confidence":0.82788086,"punctuated_word":"thirty,","sentiment":"neutral","sentiment_score":-0.04523136839270592},{"word":"any","start":748.86,"end":749.1,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09397923201322556},{"word":"of","start":749.1,"end":749.25995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17215994000434875},{"word":"the","start":749.25995,"end":749.66,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15067526698112488},{"word":"the","start":749.66,"end":750.16,"confidence":0.32617188,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16504789888858795},{"word":"administration","start":750.22,"end":750.72,"confidence":0.21472168,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":-0.15298277139663696},{"word":"team","start":751.1,"end":751.42,"confidence":0.9980469,"punctuated_word":"team","sentiment":"neutral","sentiment_score":-0.2487664371728897},{"word":"are","start":751.42,"end":751.57996,"confidence":0.93603516,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.22466865181922913},{"word":"gonna","start":751.57996,"end":751.81995,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17531394958496094},{"word":"know","start":751.81995,"end":751.98,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.16495691239833832},{"word":"what","start":751.98,"end":752.13995,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19931378960609436},{"word":"you're","start":752.13995,"end":752.38,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.17316846549510956},{"word":"talking","start":752.38,"end":752.69995,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.1426418125629425},{"word":"about","start":752.69995,"end":753.075,"confidence":0.9980469,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.16186991333961487},{"word":"if","start":753.555,"end":753.635,"confidence":0.9248047,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.2492995411157608},{"word":"they","start":753.635,"end":753.795,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2882196009159088},{"word":"don't","start":753.795,"end":754.03503,"confidence":0.99934894,"punctuated_word":"don't,","sentiment":"neutral","sentiment_score":-0.31098079681396484},{"word":"they're","start":754.03503,"end":754.275,"confidence":0.9941406,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.5033777952194214},{"word":"probably","start":754.275,"end":754.59503,"confidence":1.0,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.5307257175445557},{"word":"new","start":754.59503,"end":755.09503,"confidence":0.7697754,"punctuated_word":"new,","sentiment":"negative","sentiment_score":-0.4244251847267151},{"word":"and","start":755.235,"end":755.395,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3153288960456848},{"word":"it's","start":755.395,"end":755.635,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3186997175216675},{"word":"just","start":755.635,"end":755.795,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.26492223143577576},{"word":"i'm","start":755.795,"end":755.955,"confidence":0.892334,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2668798863887787},{"word":"looking","start":755.955,"end":756.195,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.3199693560600281},{"word":"to","start":756.195,"end":756.275,"confidence":0.9902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.36454540491104126},{"word":"claim","start":756.275,"end":756.515,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.3259844481945038},{"word":"financial","start":756.515,"end":756.91504,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"negative","sentiment_score":-0.3374439477920532},{"word":"hardship","start":756.91504,"end":757.235,"confidence":0.99316406,"punctuated_word":"hardship.","sentiment":"neutral","sentiment_score":-0.3117581903934479},{"word":"can","start":757.235,"end":757.395,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.03484411537647247},{"word":"you","start":757.395,"end":757.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004675239324569702},{"word":"provide","start":758.115,"end":758.615,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.06166373193264008},{"word":"confirmation","start":759.075,"end":759.575,"confidence":0.9863281,"punctuated_word":"confirmation","sentiment":"neutral","sentiment_score":0.013724535703659058},{"word":"that","start":759.635,"end":759.955,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06693673133850098},{"word":"i","start":759.955,"end":760.455,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1486797034740448},{"word":"am","start":762.59503,"end":762.675,"confidence":0.91845703,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.2054641842842102},{"word":"that","start":762.995,"end":763.235,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18228915333747864},{"word":"i","start":763.235,"end":763.395,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2222580313682556},{"word":"do","start":763.395,"end":763.555,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2681494951248169},{"word":"get","start":763.555,"end":764.055,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21671989560127256},{"word":"correct","start":764.755,"end":765.255,"confidence":0.97314453,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.11195561289787292},{"word":"correct","start":765.395,"end":765.795,"confidence":0.99609375,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.1116621345281601},{"word":"support","start":765.795,"end":766.195,"confidence":0.99121094,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.014882177114486694},{"word":"payments","start":766.195,"end":766.695,"confidence":0.84936523,"punctuated_word":"payments?","sentiment":"neutral","sentiment_score":0.10125800222158432},{"word":"i'm","start":773.04,"end":773.27997,"confidence":0.904541,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09866710007190704},{"word":"just","start":773.27997,"end":773.68,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08532217144966125},{"word":"i'm","start":773.68,"end":773.92,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07376837730407715},{"word":"just","start":773.92,"end":774.16,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0640743151307106},{"word":"trying","start":774.16,"end":774.39996,"confidence":0.9941406,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.05292694270610809},{"word":"to","start":774.39996,"end":774.48,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07528971880674362},{"word":"look","start":774.48,"end":774.63995,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.039759911596775055},{"word":"up","start":774.63995,"end":774.95996,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0367906391620636},{"word":"whether","start":774.95996,"end":775.44,"confidence":0.9658203,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06765628606081009},{"word":"the","start":775.44,"end":775.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09546123445034028},{"word":"payments","start":775.6,"end":775.92,"confidence":0.9375,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.06295463442802429},{"word":"that","start":775.92,"end":776.07996,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0766400471329689},{"word":"she's","start":776.07996,"end":776.39996,"confidence":0.9975586,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.05487517639994621},{"word":"on","start":776.39996,"end":776.8,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04438472539186478},{"word":"are","start":776.8,"end":777.19995,"confidence":0.8359375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09849204868078232},{"word":"approved","start":777.19995,"end":777.6,"confidence":0.9873047,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.07876478135585785},{"word":"payments","start":777.6,"end":778.1,"confidence":0.94384766,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.07754292339086533},{"word":"because","start":780.07996,"end":780.57996,"confidence":0.6335449,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.031208235770463943},{"word":"basically","start":780.72,"end":781.22,"confidence":0.8947754,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.003560507670044899},{"word":"i'm","start":797.49,"end":797.99,"confidence":0.83569336,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.006433318369090557},{"word":"cool","start":801.41,"end":801.91,"confidence":0.9875488,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.08725246042013168},{"word":"family","start":805.65,"end":806.05,"confidence":0.96533203,"punctuated_word":"Family","sentiment":"neutral","sentiment_score":-0.1341227889060974},{"word":"tax","start":806.05,"end":806.37,"confidence":0.7470703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.12011179327964784},{"word":"a","start":806.37,"end":806.52997,"confidence":0.71777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10661181807518004},{"word":"and","start":806.52997,"end":806.69,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1711953580379486},{"word":"b","start":806.69,"end":806.93,"confidence":0.9970703,"punctuated_word":"b","sentiment":"neutral","sentiment_score":-0.13824647665023804},{"word":"don't","start":806.93,"end":807.41,"confidence":0.8860677,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.11089801788330078},{"word":"carers","start":807.41,"end":807.81,"confidence":0.6767578,"punctuated_word":"Carers","sentiment":"neutral","sentiment_score":-0.14241045713424683},{"word":"allowance","start":807.81,"end":808.31,"confidence":0.9038086,"punctuated_word":"allowance","sentiment":"neutral","sentiment_score":-0.16146402060985565},{"word":"doesn't","start":808.52997,"end":809.02997,"confidence":0.9951172,"punctuated_word":"doesn't.","sentiment":"neutral","sentiment_score":-0.0926164537668228},{"word":"it's","start":809.535,"end":809.695,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.026892341673374176},{"word":"the","start":809.695,"end":809.77496,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0454663410782814},{"word":"carers","start":809.77496,"end":810.27496,"confidence":0.86279297,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":-0.04575945436954498},{"word":"payment","start":810.33496,"end":810.83496,"confidence":0.73339844,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.009941637516021729},{"word":"that","start":810.975,"end":811.21497,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02523614466190338},{"word":"does","start":811.21497,"end":811.535,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.02416603267192841},{"word":"because","start":811.535,"end":811.855,"confidence":0.78808594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.005345433950424194},{"word":"it","start":811.855,"end":811.935,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005537383258342743},{"word":"is","start":811.935,"end":812.095,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03168325126171112},{"word":"an","start":812.095,"end":812.33496,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.017204269766807556},{"word":"income","start":812.33496,"end":812.815,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1111389696598053},{"word":"support","start":812.815,"end":813.295,"confidence":0.9970703,"punctuated_word":"support","sentiment":"neutral","sentiment_score":-0.1122046709060669},{"word":"payment","start":813.295,"end":813.795,"confidence":0.9663086,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":-0.01908077672123909},{"word":"so","start":816.415,"end":816.65497,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.017608240246772766},{"word":"it's","start":816.65497,"end":816.815,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.00734556233510375},{"word":"gonna","start":816.815,"end":817.315,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.0100153386592865},{"word":"come","start":817.375,"end":817.535,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.011459723114967346},{"word":"down","start":817.535,"end":817.855,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.013497941195964811},{"word":"to","start":817.855,"end":818.095,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06352166831493378},{"word":"whether","start":818.095,"end":818.415,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.07815203815698624},{"word":"she","start":818.415,"end":818.65497,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.13351142406463623},{"word":"gets","start":818.65497,"end":819.15497,"confidence":0.9448242,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.09880943596363068},{"word":"the","start":819.295,"end":819.45496,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07150819897651672},{"word":"carers","start":819.45496,"end":819.95496,"confidence":0.99121094,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":-0.0691002607345581},{"word":"payment","start":820.095,"end":820.595,"confidence":0.95166016,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.03853932023048401},{"word":"or","start":820.65497,"end":820.89496,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09877484291791916},{"word":"not","start":820.89496,"end":821.39496,"confidence":0.9916992,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.08188292384147644},{"word":"who","start":821.83,"end":821.91,"confidence":0.984375,"punctuated_word":"Who","sentiment":"neutral","sentiment_score":-0.0742301344871521},{"word":"can","start":822.14996,"end":822.31,"confidence":0.90722656,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07467186450958252},{"word":"i","start":822.31,"end":822.39,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06040029972791672},{"word":"ask","start":822.39,"end":822.63,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.061010681092739105},{"word":"who","start":822.63,"end":822.79,"confidence":0.9970703,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.06352999061346054},{"word":"she","start":822.79,"end":823.11,"confidence":0.99121094,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.05358242988586426},{"word":"cares","start":823.11,"end":823.51,"confidence":0.9970703,"punctuated_word":"cares","sentiment":"neutral","sentiment_score":-0.05056169629096985},{"word":"for","start":823.51,"end":824.01,"confidence":0.99658203,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.033673711121082306},{"word":"yep","start":830.47,"end":830.97,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03542337566614151},{"word":"yep","start":834.975,"end":835.475,"confidence":0.7895508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02097255736589432},{"word":"yeah","start":838.91626,"end":839.41626,"confidence":0.7751465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006973350420594215},{"word":"yeah","start":842.8575,"end":843.3575,"confidence":0.8925781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03611581772565842},{"word":"yep","start":846.7987,"end":847.2987,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11803166568279266},{"word":"okay","start":870.135,"end":870.375,"confidence":0.8786621,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.036879975348711014},{"word":"so","start":870.375,"end":870.535,"confidence":0.5678711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05191532149910927},{"word":"that's","start":870.535,"end":870.615,"confidence":0.9284668,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03629106283187866},{"word":"the","start":870.615,"end":870.855,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02104949951171875},{"word":"care's","start":870.855,"end":871.355,"confidence":0.73583984,"punctuated_word":"care's","sentiment":"neutral","sentiment_score":0.01864682510495186},{"word":"allowance","start":871.495,"end":871.995,"confidence":0.84765625,"punctuated_word":"allowance.","sentiment":"neutral","sentiment_score":0.02198852226138115},{"word":"look","start":876.215,"end":876.455,"confidence":0.9013672,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.06012857332825661},{"word":"it's","start":876.455,"end":876.775,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.4797786474227905},{"word":"not","start":876.775,"end":877.275,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5236287713050842},{"word":"looking","start":877.495,"end":877.995,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.3013520836830139},{"word":"good","start":879.81,"end":880.31,"confidence":1.0,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.46546435356140137},{"word":"if","start":880.93,"end":881.17,"confidence":0.93115234,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5547640323638916},{"word":"that's","start":881.17,"end":881.49,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.5928446054458618},{"word":"the","start":881.49,"end":881.56995,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4854784905910492},{"word":"one","start":881.56995,"end":881.81,"confidence":0.9980469,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.48436546325683594},{"word":"she's","start":881.81,"end":882.29,"confidence":0.99902344,"punctuated_word":"she's","sentiment":"negative","sentiment_score":-0.39995646476745605},{"word":"on","start":882.29,"end":882.79,"confidence":0.67370605,"punctuated_word":"on,","sentiment":"negative","sentiment_score":-0.383942186832428},{"word":"because","start":882.85,"end":883.08997,"confidence":0.5317383,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.3161057233810425},{"word":"it's","start":883.08997,"end":883.32996,"confidence":0.97387695,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.34560614824295044},{"word":"a","start":883.32996,"end":883.49,"confidence":0.7348633,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3458603024482727},{"word":"payment","start":883.49,"end":883.97,"confidence":0.99902344,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.27655526995658875},{"word":"that","start":883.97,"end":884.13,"confidence":0.9892578,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3684086203575134},{"word":"is","start":884.13,"end":884.37,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3641554117202759},{"word":"the","start":884.37,"end":884.61,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3501023054122925},{"word":"eligible","start":884.61,"end":885.11,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.23896753787994385},{"word":"component","start":887.41,"end":887.91,"confidence":0.94189453,"punctuated_word":"component.","sentiment":"neutral","sentiment_score":-0.28155773878097534},{"word":"however","start":889.00995,"end":889.50995,"confidence":0.9941406,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.17877395451068878},{"word":"carer's","start":891.88995,"end":892.29,"confidence":0.7057292,"punctuated_word":"carer's","sentiment":"neutral","sentiment_score":-0.12391944229602814},{"word":"payments","start":892.29,"end":892.76996,"confidence":0.6772461,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":-0.10735897719860076},{"word":"income","start":892.76996,"end":893.25,"confidence":0.97509766,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.11891457438468932},{"word":"tested","start":893.25,"end":893.75,"confidence":0.99609375,"punctuated_word":"tested","sentiment":"neutral","sentiment_score":-0.11159668862819672},{"word":"and","start":894.52496,"end":894.76495,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1689891219139099},{"word":"granted","start":894.76495,"end":895.165,"confidence":0.97998047,"punctuated_word":"granted","sentiment":"neutral","sentiment_score":-0.1218416467308998},{"word":"your","start":895.165,"end":895.565,"confidence":0.6064453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10686110705137251},{"word":"income","start":895.565,"end":895.88495,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.14537681639194489},{"word":"is","start":895.88495,"end":896.20496,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11408133804798126},{"word":"yeah","start":899.00494,"end":899.32495,"confidence":0.98779297,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.14615336060523987},{"word":"your","start":899.32495,"end":899.565,"confidence":0.9970703,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.252849817276001},{"word":"income","start":899.565,"end":900.065,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.27743515372276306},{"word":"would","start":900.365,"end":900.865,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.20085430145263672},{"word":"remove","start":901.165,"end":901.485,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.2098063826560974},{"word":"her","start":901.485,"end":901.725,"confidence":0.99609375,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.25118696689605713},{"word":"from","start":901.725,"end":902.20496,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.24551069736480713},{"word":"the","start":902.20496,"end":902.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.287928968667984},{"word":"eligibility","start":902.365,"end":902.865,"confidence":1.0,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":-0.3216979503631592},{"word":"because","start":904.125,"end":904.44495,"confidence":0.4609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2644554078578949},{"word":"your","start":904.44495,"end":904.76495,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.31674426794052124},{"word":"income","start":904.76495,"end":905.26495,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.30392488837242126},{"word":"your","start":905.565,"end":905.805,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2668491005897522},{"word":"income","start":905.805,"end":906.125,"confidence":1.0,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.35900112986564636},{"word":"would","start":906.125,"end":906.285,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.26536837220191956},{"word":"basically","start":906.285,"end":906.76495,"confidence":0.9716797,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.17773081362247467},{"word":"be","start":906.76495,"end":906.925,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.28003451228141785},{"word":"about","start":906.925,"end":907.425,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.25401434302330017},{"word":"6,700","start":907.68,"end":909.84,"confidence":0.9967448,"punctuated_word":"6,700","sentiment":"neutral","sentiment_score":-0.1891481578350067},{"word":"per","start":909.84,"end":910.08,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.2094764709472656},{"word":"fortnight","start":910.08,"end":910.58,"confidence":0.9562988,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":-0.22682292759418488},{"word":"which","start":911.04,"end":911.2,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1975913643836975},{"word":"is","start":911.2,"end":911.44,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20385487377643585},{"word":"above","start":911.44,"end":911.76,"confidence":0.99902344,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.191095232963562},{"word":"the","start":911.76,"end":912.0,"confidence":0.8925781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2393709272146225},{"word":"$4","start":912.0,"end":912.82,"confidence":0.98095703,"punctuated_word":"$4","sentiment":"neutral","sentiment_score":-0.25712233781814575},{"word":"cutoff","start":913.76,"end":914.26,"confidence":0.78881836,"punctuated_word":"cutoff.","sentiment":"neutral","sentiment_score":-0.23589299619197843},{"word":"so","start":914.32,"end":914.72003,"confidence":0.90478516,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.18735496699810028},{"word":"yeah","start":914.72003,"end":914.96,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.20516358315944672},{"word":"you","start":914.96,"end":915.28,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2235303521156311},{"word":"would","start":915.28,"end":915.78,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.23649433255195615},{"word":"you","start":916.0,"end":916.16,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.26184266805648804},{"word":"yeah","start":916.24,"end":916.56,"confidence":0.97558594,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.23666517436504364},{"word":"she","start":916.56,"end":916.72003,"confidence":0.99902344,"punctuated_word":"She","sentiment":"negative","sentiment_score":-0.38643795251846313},{"word":"wouldn't","start":916.72003,"end":916.88,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.293479859828949},{"word":"be","start":916.88,"end":917.04,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.24987924098968503},{"word":"eligible","start":917.04,"end":917.44,"confidence":0.99902344,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.2523384392261505},{"word":"for","start":917.44,"end":917.52,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2703631818294525},{"word":"that","start":917.52,"end":918.02,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.28054583072662354},{"word":"yeah","start":919.2,"end":919.68,"confidence":0.96240234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01061517745256424},{"word":"okay","start":919.68,"end":920.18,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.004448817111551762},{"word":"so","start":920.24,"end":920.48,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.002767285332083702},{"word":"we're","start":920.48,"end":920.8,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.012838726863265038},{"word":"back","start":920.8,"end":921.04,"confidence":0.99609375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.023708347231149673},{"word":"down","start":921.04,"end":921.36,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.014846591278910635},{"word":"to","start":921.36,"end":921.86,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020178155973553658},{"word":"our","start":923.335,"end":923.835,"confidence":0.96777344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.01970638521015644},{"word":"other","start":925.09503,"end":925.415,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.017327042296528816},{"word":"avenues","start":925.415,"end":925.915,"confidence":0.9790039,"punctuated_word":"avenues.","sentiment":"neutral","sentiment_score":0.029668770730495453},{"word":"family","start":936.22003,"end":936.62006,"confidence":0.78759766,"punctuated_word":"Family","sentiment":"neutral","sentiment_score":0.013075807131826878},{"word":"tax","start":936.62006,"end":937.12006,"confidence":0.9099121,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.018141862004995343},{"word":"carers","start":937.42004,"end":937.9,"confidence":0.7976074,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":0.004494400229305029},{"word":"payment","start":937.9,"end":938.4,"confidence":0.85595703,"punctuated_word":"payment,","sentiment":"neutral","sentiment_score":0.008413692004978657},{"word":"job","start":938.7,"end":939.02,"confidence":0.7578125,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.005938075482845306},{"word":"seeker","start":939.02,"end":939.52,"confidence":0.87768555,"punctuated_word":"seeker,","sentiment":"neutral","sentiment_score":0.006644615437835455},{"word":"disability","start":939.58,"end":940.06,"confidence":0.8256836,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.0064055901020765305},{"word":"support","start":940.06,"end":940.38,"confidence":0.99902344,"punctuated_word":"support","sentiment":"neutral","sentiment_score":-0.0031808167695999146},{"word":"pension","start":940.38,"end":940.88,"confidence":0.9838867,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":0.007441911846399307},{"word":"parenting","start":941.26,"end":941.76,"confidence":0.9970703,"punctuated_word":"parenting","sentiment":"neutral","sentiment_score":-0.0002155601978302002},{"word":"payments","start":941.98004,"end":942.48004,"confidence":0.7248535,"punctuated_word":"payments.","sentiment":"neutral","sentiment_score":0.01075400784611702},{"word":"are","start":945.26,"end":945.5,"confidence":0.7421875,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.009989891201257706},{"word":"we","start":945.5,"end":945.66003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014323040843009949},{"word":"planning","start":945.66003,"end":945.98004,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.01348818838596344},{"word":"on","start":945.98004,"end":946.14,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0032427217811346054},{"word":"having","start":946.14,"end":946.46,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.00813131034374237},{"word":"more","start":946.46,"end":946.62006,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.011723972856998444},{"word":"kids","start":946.62006,"end":947.12006,"confidence":0.9995117,"punctuated_word":"kids?","sentiment":"neutral","sentiment_score":-0.0033280309289693832},{"word":"oh","start":952.055,"end":952.215,"confidence":0.9304199,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.00972379930317402},{"word":"you","start":952.215,"end":952.295,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010851770639419556},{"word":"want","start":952.295,"end":952.535,"confidence":0.8144531,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.004574494436383247},{"word":"one","start":952.535,"end":952.615,"confidence":0.96240234,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02866869792342186},{"word":"more","start":952.615,"end":952.855,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.02796538546681404},{"word":"with","start":952.855,"end":953.015,"confidence":0.9038086,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.015161359682679176},{"word":"me","start":953.015,"end":953.415,"confidence":0.8359375,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.02427322044968605},{"word":"three","start":953.415,"end":953.655,"confidence":0.92822266,"punctuated_word":"Three","sentiment":"neutral","sentiment_score":0.04246772825717926},{"word":"feet","start":953.655,"end":953.735,"confidence":0.12213135,"punctuated_word":"feet","sentiment":"neutral","sentiment_score":0.031613707542419434},{"word":"of","start":953.735,"end":953.815,"confidence":0.43603516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03442075476050377},{"word":"the","start":953.815,"end":953.895,"confidence":0.56689453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05368442460894585},{"word":"back","start":953.895,"end":954.135,"confidence":0.984375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05477230250835419},{"word":"seat","start":954.135,"end":954.295,"confidence":0.8623047,"punctuated_word":"seat.","sentiment":"neutral","sentiment_score":0.060506515204906464},{"word":"it","start":954.295,"end":954.375,"confidence":0.95703125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1482296884059906},{"word":"was","start":954.375,"end":954.695,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1461183875799179},{"word":"that","start":954.775,"end":954.935,"confidence":0.8803711,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2222803831100464},{"word":"was","start":954.935,"end":955.095,"confidence":0.9838867,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17696112394332886},{"word":"good","start":955.095,"end":955.255,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.12938159704208374},{"word":"enough","start":955.255,"end":955.755,"confidence":0.9975586,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.10828875005245207},{"word":"okay","start":956.935,"end":957.435,"confidence":0.9499512,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.022625621408224102},{"word":"how","start":957.815,"end":958.055,"confidence":0.9326172,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.008442888967692852},{"word":"old's","start":958.055,"end":958.375,"confidence":0.83496094,"punctuated_word":"old's","sentiment":"neutral","sentiment_score":0.008431153371930122},{"word":"the","start":958.375,"end":958.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0046770768240094185},{"word":"youngest","start":958.615,"end":959.115,"confidence":0.9980469,"punctuated_word":"youngest?","sentiment":"neutral","sentiment_score":0.011104289442300797},{"word":"oh","start":962.85,"end":963.25,"confidence":0.9152832,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.32891738414764404},{"word":"cute","start":963.25,"end":963.64996,"confidence":0.99365234,"punctuated_word":"cute.","sentiment":"positive","sentiment_score":0.44917595386505127},{"word":"good","start":963.64996,"end":964.14996,"confidence":0.9758301,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4321511387825012},{"word":"they","start":969.57,"end":969.73,"confidence":0.9140625,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.16969536244869232},{"word":"are","start":969.73,"end":969.97,"confidence":0.84228516,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.050901032984256744},{"word":"aren't","start":969.97,"end":970.13,"confidence":0.9941406,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.033749040216207504},{"word":"they","start":970.13,"end":970.45,"confidence":0.9926758,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":0.02958858199417591},{"word":"we're","start":970.45,"end":970.61,"confidence":0.6588135,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.0046333568170666695},{"word":"sleeping","start":970.61,"end":970.93,"confidence":0.9941406,"punctuated_word":"sleeping","sentiment":"neutral","sentiment_score":0.013879945501685144},{"word":"through","start":970.93,"end":971.17,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.003252960741519928},{"word":"yet","start":971.17,"end":971.67,"confidence":0.8955078,"punctuated_word":"yet?","sentiment":"neutral","sentiment_score":0.0037149526178836823},{"word":"is","start":976.38495,"end":976.625,"confidence":0.5830078,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.017495661973953247},{"word":"your","start":976.625,"end":976.785,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01350801344960928},{"word":"daughter","start":976.785,"end":977.02496,"confidence":0.99902344,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":-0.011216143146157265},{"word":"sleeping","start":977.02496,"end":977.425,"confidence":0.9970703,"punctuated_word":"sleeping","sentiment":"neutral","sentiment_score":-0.016195667907595634},{"word":"through","start":977.425,"end":977.925,"confidence":0.99902344,"punctuated_word":"through?","sentiment":"neutral","sentiment_score":-0.02084144577383995},{"word":"yeah","start":981.425,"end":981.925,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026319310069084167},{"word":"oh","start":986.225,"end":986.725,"confidence":0.75756836,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.22482383251190183},{"word":"she","start":987.345,"end":987.745,"confidence":0.99609375,"punctuated_word":"she","sentiment":"positive","sentiment_score":0.3717595338821411},{"word":"she","start":987.745,"end":987.90497,"confidence":0.9902344,"punctuated_word":"she","sentiment":"positive","sentiment_score":0.3959236741065979},{"word":"just","start":987.90497,"end":988.065,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.33880314230918884},{"word":"likes","start":988.065,"end":988.305,"confidence":0.94189453,"punctuated_word":"likes","sentiment":"positive","sentiment_score":0.4794471263885498},{"word":"to","start":988.305,"end":988.46497,"confidence":0.6152344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5606683492660522},{"word":"snuggle","start":988.46497,"end":988.945,"confidence":0.9923503,"punctuated_word":"snuggle.","sentiment":"positive","sentiment_score":0.48066872358322144},{"word":"that's","start":988.945,"end":989.26495,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2711622416973114},{"word":"fair","start":989.26495,"end":989.64,"confidence":0.9970703,"punctuated_word":"fair.","sentiment":"neutral","sentiment_score":0.20931337773799896},{"word":"absolutely","start":999.4,"end":999.9,"confidence":0.8125,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.288051038980484},{"word":"okay","start":1001.24,"end":1001.74,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13761159777641296},{"word":"so","start":1001.985,"end":1002.485,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03137288987636566},{"word":"based","start":1002.705,"end":1003.025,"confidence":0.85498047,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.08517435193061829},{"word":"on","start":1003.025,"end":1003.525,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05579711124300957},{"word":"no","start":1004.385,"end":1004.785,"confidence":0.90844727,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.04476660117506981},{"word":"you","start":1004.785,"end":1004.865,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.05921359360218048},{"word":"can't","start":1004.865,"end":1005.105,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.05910394340753555},{"word":"blame","start":1005.105,"end":1005.345,"confidence":0.9980469,"punctuated_word":"blame","sentiment":"neutral","sentiment_score":-0.08376844227313995},{"word":"them","start":1005.345,"end":1005.505,"confidence":0.99609375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.0005590617656707764},{"word":"at","start":1005.505,"end":1005.745,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05696800351142883},{"word":"all","start":1005.745,"end":1006.225,"confidence":0.984375,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.017703205347061157},{"word":"like","start":1006.225,"end":1006.545,"confidence":0.99609375,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.21241961419582367},{"word":"honestly","start":1006.545,"end":1006.945,"confidence":0.9655762,"punctuated_word":"honestly,","sentiment":"positive","sentiment_score":0.35202592611312866},{"word":"they're","start":1006.945,"end":1007.185,"confidence":0.99902344,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.5892733335494995},{"word":"adorable","start":1007.185,"end":1007.665,"confidence":1.0,"punctuated_word":"adorable.","sentiment":"positive","sentiment_score":0.47675010561943054},{"word":"my","start":1007.665,"end":1007.825,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.03821198642253876},{"word":"youngest","start":1007.825,"end":1008.225,"confidence":1.0,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":0.057310327887535095},{"word":"is","start":1008.225,"end":1008.385,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0004886463284492493},{"word":"five","start":1008.385,"end":1008.705,"confidence":0.99560547,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":-0.008994758129119873},{"word":"i","start":1008.705,"end":1008.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22825810313224792},{"word":"kinda","start":1008.785,"end":1009.105,"confidence":0.96972656,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.2270448207855225},{"word":"miss","start":1009.105,"end":1009.265,"confidence":0.93408203,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":-0.16562485694885254},{"word":"the","start":1009.265,"end":1009.425,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19526544213294983},{"word":"baby","start":1009.425,"end":1009.665,"confidence":0.984375,"punctuated_word":"baby","sentiment":"neutral","sentiment_score":-0.1491326242685318},{"word":"days","start":1009.665,"end":1010.165,"confidence":0.99853516,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":-0.16696245968341827},{"word":"anyway","start":1011.265,"end":1011.765,"confidence":0.9765625,"punctuated_word":"Anyway,","sentiment":"neutral","sentiment_score":-0.10067126154899596},{"word":"i've","start":1011.90497,"end":1012.145,"confidence":0.87231445,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1085452437400818},{"word":"just","start":1012.145,"end":1012.305,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08863044530153275},{"word":"had","start":1012.305,"end":1012.46497,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07166658341884613},{"word":"a","start":1012.46497,"end":1012.545,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07382160425186157},{"word":"quick","start":1012.545,"end":1012.865,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":-0.03490275889635086},{"word":"look","start":1012.865,"end":1013.185,"confidence":0.7357178,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.05094145983457565},{"word":"and","start":1013.185,"end":1013.685,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04941088706254959},{"word":"realistically","start":1013.825,"end":1014.325,"confidence":0.6982422,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":-0.0883721113204956},{"word":"speaking","start":1014.625,"end":1015.125,"confidence":0.8457031,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":-0.08175782859325409},{"word":"yeah","start":1019.45996,"end":1019.94,"confidence":0.9584961,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08215973526239395},{"word":"like","start":1019.94,"end":1020.44,"confidence":0.9753418,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.12940877676010132},{"word":"the","start":1021.45996,"end":1021.69995,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15775126218795776},{"word":"the","start":1021.69995,"end":1021.86,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16868510842323303},{"word":"money","start":1021.86,"end":1022.1,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.17731623351573944},{"word":"is","start":1022.1,"end":1022.18,"confidence":0.5649414,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1631154716014862},{"word":"pretty","start":1022.18,"end":1022.33997,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.1694168746471405},{"word":"much","start":1022.33997,"end":1022.66,"confidence":0.9902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1720830351114273},{"word":"locked","start":1022.66,"end":1022.98,"confidence":0.47705078,"punctuated_word":"locked","sentiment":"neutral","sentiment_score":-0.1564231514930725},{"word":"in","start":1022.98,"end":1023.48,"confidence":0.9980469,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.1525285542011261},{"word":"she's","start":1023.69995,"end":1024.02,"confidence":0.9511719,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.1528555005788803},{"word":"not","start":1024.02,"end":1024.1799,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1982859969139099},{"word":"gonna","start":1024.1799,"end":1024.34,"confidence":0.94189453,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.26219651103019714},{"word":"get","start":1024.34,"end":1024.58,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.29532724618911743},{"word":"hardship","start":1024.58,"end":1024.98,"confidence":0.9770508,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.322511225938797},{"word":"because","start":1024.98,"end":1025.38,"confidence":0.9248047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.22490347921848297},{"word":"her","start":1025.38,"end":1025.5399,"confidence":0.57714844,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.3062969744205475},{"word":"the","start":1025.62,"end":1025.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26636961102485657},{"word":"payments","start":1025.78,"end":1026.1,"confidence":0.9902344,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":-0.29035189747810364},{"word":"that","start":1026.1,"end":1026.26,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3416874408721924},{"word":"she","start":1026.26,"end":1026.4199,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.32957565784454346},{"word":"received","start":1026.4199,"end":1026.9,"confidence":0.8310547,"punctuated_word":"received","sentiment":"negative","sentiment_score":-0.36119964718818665},{"word":"are","start":1026.9,"end":1026.98,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2749943733215332},{"word":"not","start":1026.98,"end":1027.22,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23259419202804563},{"word":"eligible","start":1027.22,"end":1027.72,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.19763557612895968},{"word":"for","start":1027.78,"end":1028.28,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.25370708107948303},{"word":"the","start":1029.205,"end":1029.445,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24210461974143985},{"word":"q","start":1029.445,"end":1029.6849,"confidence":0.9951172,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.19808651506900787},{"word":"02/30","start":1029.6849,"end":1030.345,"confidence":0.9779053,"punctuated_word":"02/30.","sentiment":"neutral","sentiment_score":-0.221301332116127},{"word":"look","start":1030.485,"end":1030.725,"confidence":0.83203125,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.06512417644262314},{"word":"you","start":1030.725,"end":1030.885,"confidence":0.9892578,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06778451800346375},{"word":"can","start":1030.885,"end":1030.965,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07497653365135193},{"word":"give","start":1030.965,"end":1031.0449,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.12915992736816406},{"word":"it","start":1031.0449,"end":1031.205,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13386458158493042},{"word":"a","start":1031.205,"end":1031.2849,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15018530189990997},{"word":"shot","start":1031.2849,"end":1031.445,"confidence":0.99902344,"punctuated_word":"shot","sentiment":"neutral","sentiment_score":-0.16006416082382202},{"word":"in","start":1031.445,"end":1031.4849,"confidence":0.97509766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16509969532489777},{"word":"the","start":1031.4849,"end":1031.5249,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14514216780662537},{"word":"dark","start":1031.5249,"end":1031.7649,"confidence":0.9875488,"punctuated_word":"dark.","sentiment":"neutral","sentiment_score":-0.08040213584899902},{"word":"it's","start":1031.7649,"end":1031.845,"confidence":0.98535156,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1039734110236168},{"word":"only","start":1031.845,"end":1032.085,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.11630047857761384},{"word":"a","start":1032.085,"end":1032.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10477793216705322},{"word":"phone","start":1032.245,"end":1032.4049,"confidence":0.9980469,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.07678455114364624},{"word":"call","start":1032.4049,"end":1032.565,"confidence":0.9970703,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.07225418835878372},{"word":"to","start":1032.565,"end":1032.725,"confidence":0.8701172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06295840442180634},{"word":"centrelink","start":1032.725,"end":1033.205,"confidence":0.8765869,"punctuated_word":"Centrelink,","sentiment":"neutral","sentiment_score":-0.04932098090648651},{"word":"but","start":1033.205,"end":1033.705,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07806490361690521},{"word":"if","start":1034.325,"end":1034.565,"confidence":0.96777344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11041100323200226},{"word":"it's","start":1034.565,"end":1034.8049,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.12229928374290466},{"word":"the","start":1034.8049,"end":1035.0449,"confidence":0.8256836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15445178747177124},{"word":"carer's","start":1035.0449,"end":1035.445,"confidence":0.8120117,"punctuated_word":"carer's","sentiment":"neutral","sentiment_score":-0.13344144821166992},{"word":"allowance","start":1035.445,"end":1035.845,"confidence":0.99902344,"punctuated_word":"allowance","sentiment":"neutral","sentiment_score":-0.0959155410528183},{"word":"that","start":1035.845,"end":1036.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10474231094121932},{"word":"she's","start":1036.005,"end":1036.1649,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.11563395708799362},{"word":"getting","start":1036.1649,"end":1036.485,"confidence":0.9946289,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":-0.11129183322191238},{"word":"it's","start":1036.485,"end":1036.725,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14594870805740356},{"word":"not","start":1036.725,"end":1036.885,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2264345586299896},{"word":"an","start":1036.885,"end":1037.0449,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.20237788558006287},{"word":"income","start":1037.0449,"end":1037.365,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.2134339809417725},{"word":"support","start":1037.365,"end":1037.6849,"confidence":0.9980469,"punctuated_word":"support","sentiment":"neutral","sentiment_score":-0.22080038487911224},{"word":"payment","start":1037.6849,"end":1038.005,"confidence":0.8515625,"punctuated_word":"payment,","sentiment":"neutral","sentiment_score":-0.20404042303562164},{"word":"so","start":1038.005,"end":1038.1649,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.22825053334236145},{"word":"it","start":1038.1649,"end":1038.325,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2855457365512848},{"word":"doesn't","start":1038.325,"end":1038.6449,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.29986175894737244},{"word":"meet","start":1038.6449,"end":1038.885,"confidence":0.9951172,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.21593821048736572},{"word":"requirements","start":1038.885,"end":1039.385,"confidence":0.99609375,"punctuated_word":"requirements.","sentiment":"neutral","sentiment_score":-0.2631164491176605},{"word":"you","start":1041.9501,"end":1042.1901,"confidence":0.97998047,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.4148006141185761},{"word":"earn","start":1042.1901,"end":1042.51,"confidence":0.78125,"punctuated_word":"earn","sentiment":"negative","sentiment_score":-0.3754354417324066},{"word":"too","start":1042.51,"end":1042.5901,"confidence":0.99902344,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.4437660872936249},{"word":"much","start":1042.5901,"end":1042.8301,"confidence":1.0,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.34620290994644165},{"word":"for","start":1042.8301,"end":1042.99,"confidence":0.95947266,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.40024492144584656},{"word":"her","start":1042.99,"end":1043.0701,"confidence":0.9941406,"punctuated_word":"her","sentiment":"negative","sentiment_score":-0.35527926683425903},{"word":"to","start":1043.0701,"end":1043.15,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34532201290130615},{"word":"get","start":1043.15,"end":1043.31,"confidence":0.99902344,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.39574480056762695},{"word":"parenting","start":1043.31,"end":1043.63,"confidence":0.9873047,"punctuated_word":"parenting","sentiment":"negative","sentiment_score":-0.37896090745925903},{"word":"payment","start":1043.63,"end":1043.9501,"confidence":0.94555664,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":-0.12305384874343872},{"word":"you","start":1043.9501,"end":1044.11,"confidence":1.0,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.4565645158290863},{"word":"earn","start":1044.11,"end":1044.27,"confidence":0.95703125,"punctuated_word":"earn","sentiment":"negative","sentiment_score":-0.34376904368400574},{"word":"too","start":1044.27,"end":1044.35,"confidence":0.99902344,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.5167694091796875},{"word":"much","start":1044.35,"end":1044.5901,"confidence":1.0,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.35925233364105225},{"word":"for","start":1044.5901,"end":1044.75,"confidence":0.98291016,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.46545255184173584},{"word":"her","start":1044.75,"end":1044.91,"confidence":0.99902344,"punctuated_word":"her","sentiment":"negative","sentiment_score":-0.4350391030311585},{"word":"to","start":1044.91,"end":1044.99,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.41235753893852234},{"word":"get","start":1044.99,"end":1045.0701,"confidence":0.9941406,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4038601815700531},{"word":"carers","start":1045.0701,"end":1045.5701,"confidence":0.8688965,"punctuated_word":"carers","sentiment":"neutral","sentiment_score":-0.31259870529174805},{"word":"payments","start":1046.67,"end":1047.17,"confidence":0.7265625,"punctuated_word":"payments,","sentiment":"neutral","sentiment_score":-0.23815350234508512},{"word":"which","start":1047.4701,"end":1047.9701,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.34750431776046753},{"word":"what","start":1048.11,"end":1048.35,"confidence":0.41333008,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3654448986053467},{"word":"is","start":1048.35,"end":1048.4299,"confidence":0.3798828,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3737773001194},{"word":"you","start":1048.51,"end":1048.67,"confidence":0.9892578,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.417815238237381},{"word":"will","start":1048.67,"end":1048.75,"confidence":0.4086914,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.4899028539657593},{"word":"only","start":1048.75,"end":1048.99,"confidence":0.99902344,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3609653115272522},{"word":"get","start":1048.99,"end":1049.15,"confidence":0.99609375,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.3509373068809509},{"word":"one","start":1049.15,"end":1049.31,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.4129113554954529},{"word":"of","start":1049.31,"end":1049.39,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3714046776294708},{"word":"them","start":1049.39,"end":1049.55,"confidence":0.88061523,"punctuated_word":"them.","sentiment":"negative","sentiment_score":-0.37807172536849976},{"word":"you","start":1049.55,"end":1049.63,"confidence":0.99902344,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.4079558849334717},{"word":"don't","start":1049.63,"end":1049.87,"confidence":0.9638672,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3401937186717987},{"word":"ever","start":1049.87,"end":1050.11,"confidence":0.9604492,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.27890831232070923},{"word":"get","start":1050.11,"end":1050.35,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2920413017272949},{"word":"both","start":1050.35,"end":1050.85,"confidence":0.9770508,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":-0.3134725093841553},{"word":"no","start":1054.67,"end":1055.0701,"confidence":0.9692383,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2989746332168579},{"word":"it's","start":1055.0701,"end":1055.31,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.3071107864379883},{"word":"not","start":1055.31,"end":1055.81,"confidence":0.90722656,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.28558504581451416},{"word":"it's","start":1055.9149,"end":1056.075,"confidence":0.9108887,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.22293369472026825},{"word":"not","start":1056.075,"end":1056.235,"confidence":0.9741211,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15976093709468842},{"word":"considered","start":1056.235,"end":1056.715,"confidence":0.9902344,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.14895793795585632},{"word":"income","start":1056.715,"end":1057.0349,"confidence":0.98535156,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.19356197118759155},{"word":"support","start":1057.0349,"end":1057.515,"confidence":0.9880371,"punctuated_word":"support.","sentiment":"neutral","sentiment_score":-0.1500908136367798},{"word":"yeah","start":1057.515,"end":1057.9149,"confidence":0.81152344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0904971957206726},{"word":"not","start":1057.9149,"end":1058.1549,"confidence":0.9267578,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1679239571094513},{"word":"under","start":1058.1549,"end":1058.635,"confidence":0.9951172,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.12639155983924866},{"word":"not","start":1058.635,"end":1058.875,"confidence":0.9770508,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15399107336997986},{"word":"under","start":1058.875,"end":1059.2749,"confidence":0.96972656,"punctuated_word":"under,","sentiment":"neutral","sentiment_score":-0.14095516502857208},{"word":"like","start":1059.2749,"end":1059.4349,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.20858511328697205},{"word":"the","start":1059.4349,"end":1059.595,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18703344464302063},{"word":"q","start":1059.595,"end":1059.835,"confidence":0.9902344,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.1561962366104126},{"word":"two","start":1059.835,"end":1059.995,"confidence":0.9892578,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.16506341099739075},{"word":"thirty","start":1059.995,"end":1060.495,"confidence":0.99902344,"punctuated_word":"thirty.","sentiment":"neutral","sentiment_score":-0.1583947241306305},{"word":"yeah","start":1061.595,"end":1061.995,"confidence":0.95874023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07378633320331573},{"word":"i","start":1061.995,"end":1062.1549,"confidence":0.96240234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1302449256181717},{"word":"know","start":1062.1549,"end":1062.5549,"confidence":0.99609375,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.10761581361293791},{"word":"it's","start":1062.5549,"end":1062.7949,"confidence":0.9951172,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.24653439223766327},{"word":"a","start":1062.7949,"end":1062.875,"confidence":0.83935547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2425388544797897},{"word":"pay","start":1062.875,"end":1063.375,"confidence":0.9926758,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":-0.25804322957992554},{"word":"yeah","start":1074.05,"end":1074.55,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.150672048330307},{"word":"yeah","start":1078.13,"end":1078.63,"confidence":0.9692383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09004028141498566},{"word":"it's","start":1090.215,"end":1090.375,"confidence":0.73132324,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.02793357335031033},{"word":"the","start":1090.615,"end":1090.855,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.045011233538389206},{"word":"the","start":1090.855,"end":1091.095,"confidence":0.9013672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019249338656663895},{"word":"frustrating","start":1091.095,"end":1091.415,"confidence":0.95166016,"punctuated_word":"frustrating","sentiment":"negative","sentiment_score":-0.4277409315109253},{"word":"part","start":1091.415,"end":1091.655,"confidence":0.9980469,"punctuated_word":"part","sentiment":"negative","sentiment_score":-0.4324010610580444},{"word":"is","start":1091.655,"end":1091.735,"confidence":0.83862305,"punctuated_word":"is,","sentiment":"negative","sentiment_score":-0.5244901180267334},{"word":"like","start":1091.735,"end":1091.975,"confidence":1.0,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.5180492997169495},{"word":"like","start":1091.975,"end":1092.135,"confidence":0.87841797,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.5193644165992737},{"word":"when","start":1092.135,"end":1092.295,"confidence":1.0,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.5800426006317139},{"word":"i","start":1092.295,"end":1092.455,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4780467450618744},{"word":"say","start":1092.455,"end":1092.615,"confidence":0.9892578,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.33151644468307495},{"word":"it's","start":1092.615,"end":1092.655,"confidence":0.82055664,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3896786868572235},{"word":"a","start":1092.655,"end":1092.695,"confidence":0.84472656,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4189397394657135},{"word":"q","start":1092.695,"end":1092.9349,"confidence":0.9951172,"punctuated_word":"q","sentiment":"negative","sentiment_score":-0.463208943605423},{"word":"two","start":1092.9349,"end":1093.015,"confidence":0.9902344,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.5033530592918396},{"word":"thirty","start":1093.015,"end":1093.255,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"negative","sentiment_score":-0.3753959238529206},{"word":"form","start":1093.255,"end":1093.495,"confidence":0.98999023,"punctuated_word":"form,","sentiment":"negative","sentiment_score":-0.4942604899406433},{"word":"it's","start":1093.495,"end":1093.735,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5265249013900757},{"word":"not","start":1093.735,"end":1093.975,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.46569517254829407},{"word":"a","start":1093.975,"end":1094.135,"confidence":0.9506836,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5032953023910522},{"word":"it's","start":1094.135,"end":1094.375,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5135944485664368},{"word":"not","start":1094.375,"end":1094.535,"confidence":0.9951172,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4026098549365998},{"word":"a","start":1094.535,"end":1094.695,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4806067943572998},{"word":"form","start":1094.695,"end":1095.095,"confidence":0.9248047,"punctuated_word":"form.","sentiment":"negative","sentiment_score":-0.4878562092781067},{"word":"it's","start":1095.095,"end":1095.335,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.33650144934654236},{"word":"a","start":1095.335,"end":1095.495,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31533282995224},{"word":"q","start":1095.495,"end":1095.655,"confidence":1.0,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.2873992919921875},{"word":"two","start":1095.655,"end":1095.815,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.3001384735107422},{"word":"thirty","start":1095.815,"end":1096.135,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.1973519027233124},{"word":"letter","start":1096.135,"end":1096.455,"confidence":1.0,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":-0.2315247654914856},{"word":"of","start":1096.455,"end":1096.615,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.321696937084198},{"word":"approval","start":1096.615,"end":1097.115,"confidence":0.9667969,"punctuated_word":"approval,","sentiment":"neutral","sentiment_score":-0.2940690517425537},{"word":"basically","start":1097.255,"end":1097.755,"confidence":0.9995117,"punctuated_word":"basically.","sentiment":"neutral","sentiment_score":-0.2985077500343323},{"word":"the","start":1098.135,"end":1098.215,"confidence":0.9667969,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.022354833781719208},{"word":"app","start":1098.215,"end":1098.375,"confidence":0.5073242,"punctuated_word":"app","sentiment":"neutral","sentiment_score":0.06677423417568207},{"word":"the","start":1098.535,"end":1098.615,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12010318040847778},{"word":"application","start":1098.615,"end":1099.095,"confidence":0.99902344,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.169744074344635},{"word":"for","start":1099.095,"end":1099.335,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13006334006786346},{"word":"it","start":1099.335,"end":1099.415,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11631642282009123},{"word":"is","start":1099.415,"end":1099.575,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06556442379951477},{"word":"literally","start":1099.575,"end":1099.975,"confidence":0.9838867,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.008137151598930359},{"word":"a","start":1099.975,"end":1100.0549,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05124770849943161},{"word":"phone","start":1100.0549,"end":1100.295,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.031226806342601776},{"word":"call","start":1100.295,"end":1100.535,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.011634089052677156},{"word":"saying","start":1100.535,"end":1100.855,"confidence":0.93237305,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":-0.011151399463415146},{"word":"hi","start":1100.855,"end":1101.355,"confidence":0.9169922,"punctuated_word":"hi.","sentiment":"neutral","sentiment_score":0.03135543689131737},{"word":"do","start":1101.6799,"end":1101.84,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.018322326242923737},{"word":"i","start":1101.84,"end":1102.08,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020023740828037265},{"word":"meet","start":1102.08,"end":1102.32,"confidence":0.9970703,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.01392091065645218},{"word":"the","start":1102.32,"end":1102.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04407221823930741},{"word":"requirements","start":1102.4,"end":1102.9,"confidence":0.67529297,"punctuated_word":"requirements","sentiment":"neutral","sentiment_score":0.02647726982831955},{"word":"for","start":1103.36,"end":1103.6,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04356936365365982},{"word":"q","start":1103.6,"end":1103.92,"confidence":0.99316406,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.07292234897613525},{"word":"two","start":1103.92,"end":1104.0,"confidence":0.7363281,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.07631705701351166},{"word":"thirty","start":1104.0,"end":1104.5,"confidence":0.98706055,"punctuated_word":"thirty?","sentiment":"neutral","sentiment_score":-0.02894609048962593},{"word":"and","start":1105.04,"end":1105.28,"confidence":0.7939453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1153060421347618},{"word":"the","start":1105.28,"end":1105.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06236310303211212},{"word":"requirements","start":1105.44,"end":1105.92,"confidence":1.0,"punctuated_word":"requirements","sentiment":"neutral","sentiment_score":-0.0412125326693058},{"word":"are","start":1105.92,"end":1106.4,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0911157801747322},{"word":"twenty","start":1106.4,"end":1106.7999,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.06640065461397171},{"word":"six","start":1106.7999,"end":1107.04,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.04731012135744095},{"word":"weeks","start":1107.04,"end":1107.54,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.0573127418756485},{"word":"of","start":1108.08,"end":1108.48,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06441344320774078},{"word":"ongoing","start":1108.48,"end":1108.98,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":-0.03354988619685173},{"word":"continuous","start":1109.12,"end":1109.62,"confidence":0.92822266,"punctuated_word":"continuous","sentiment":"neutral","sentiment_score":-0.02331489324569702},{"word":"income","start":1109.92,"end":1110.32,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.034171029925346375},{"word":"support","start":1110.32,"end":1110.72,"confidence":0.99902344,"punctuated_word":"support","sentiment":"neutral","sentiment_score":-0.015512607991695404},{"word":"payments","start":1110.72,"end":1111.22,"confidence":0.69677734,"punctuated_word":"payments,","sentiment":"neutral","sentiment_score":-0.04219156503677368},{"word":"which","start":1112.5599,"end":1113.0599,"confidence":0.97998047,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.035939596593379974},{"word":"if","start":1115.6,"end":1115.84,"confidence":0.71435547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04860201478004456},{"word":"you","start":1115.84,"end":1116.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04259347915649414},{"word":"if","start":1117.0851,"end":1117.3251,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.049954380840063095},{"word":"you","start":1117.3251,"end":1117.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04865443706512451},{"word":"get","start":1117.485,"end":1117.725,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07375689595937729},{"word":"assessed","start":1117.725,"end":1118.045,"confidence":0.98828125,"punctuated_word":"assessed","sentiment":"neutral","sentiment_score":-0.01358579844236374},{"word":"and","start":1118.045,"end":1118.2051,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0562642440199852},{"word":"they","start":1118.2051,"end":1118.4451,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.047786250710487366},{"word":"back","start":1118.4451,"end":1118.685,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.03729601204395294},{"word":"pay","start":1118.685,"end":1118.925,"confidence":0.84277344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.11257678270339966},{"word":"you","start":1118.925,"end":1119.425,"confidence":0.98168945,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.10815306752920152},{"word":"that","start":1120.125,"end":1120.625,"confidence":0.88671875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1709328591823578},{"word":"that","start":1120.765,"end":1120.925,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1717594414949417},{"word":"would","start":1120.925,"end":1121.165,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12259089946746826},{"word":"basically","start":1121.165,"end":1121.665,"confidence":0.9819336,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.123514786362648},{"word":"cover","start":1121.805,"end":1122.125,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.11488362401723862},{"word":"your","start":1122.125,"end":1122.625,"confidence":0.9477539,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":-0.13312584161758423},{"word":"like","start":1125.0851,"end":1125.405,"confidence":0.9309082,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.17005741596221924},{"word":"your","start":1125.405,"end":1125.805,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.20607613027095795},{"word":"your","start":1125.805,"end":1126.125,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.18382638692855835},{"word":"period","start":1126.125,"end":1126.525,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.006469264626502991},{"word":"of","start":1126.525,"end":1126.685,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16829128563404083},{"word":"time","start":1126.685,"end":1126.925,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.1064555048942566},{"word":"because","start":1126.925,"end":1127.165,"confidence":0.84228516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11847233772277832},{"word":"they'll","start":1127.165,"end":1127.405,"confidence":0.99853516,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.10271959751844406},{"word":"back","start":1127.405,"end":1127.5651,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.03527627885341644},{"word":"pay","start":1127.5651,"end":1127.725,"confidence":0.9770508,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.09769142419099808},{"word":"you","start":1127.725,"end":1127.885,"confidence":0.6750488,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.12735900282859802},{"word":"and","start":1127.885,"end":1128.045,"confidence":0.8430176,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.19477924704551697},{"word":"basically","start":1128.045,"end":1128.365,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.2199997901916504},{"word":"it","start":1128.365,"end":1128.525,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.25283345580101013},{"word":"will","start":1128.525,"end":1128.685,"confidence":0.74365234,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2712790369987488},{"word":"be","start":1128.685,"end":1128.845,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2628061771392822},{"word":"as","start":1128.845,"end":1129.005,"confidence":0.9526367,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.24188651144504547},{"word":"if","start":1129.005,"end":1129.165,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15510378777980804},{"word":"you","start":1129.165,"end":1129.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2040930986404419},{"word":"had","start":1129.405,"end":1129.645,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.21445640921592712},{"word":"ongoing","start":1129.645,"end":1130.045,"confidence":0.9970703,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":-0.09576723724603652},{"word":"payments","start":1130.045,"end":1130.365,"confidence":0.98095703,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":-0.16007456183433533},{"word":"during","start":1130.365,"end":1130.605,"confidence":1.0,"punctuated_word":"during","sentiment":"neutral","sentiment_score":-0.15911123156547546},{"word":"that","start":1130.605,"end":1130.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2444787919521332},{"word":"period","start":1130.765,"end":1131.265,"confidence":0.9111328,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":-0.1390078365802765},{"word":"but","start":1133.42,"end":1133.74,"confidence":0.9790039,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06350551545619965},{"word":"it'll","start":1133.74,"end":1134.06,"confidence":0.9812012,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.08163686841726303},{"word":"all","start":1134.06,"end":1134.2201,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1118350550532341},{"word":"come","start":1134.2201,"end":1134.38,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.09984076023101808},{"word":"down","start":1134.38,"end":1134.62,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.09572240710258484},{"word":"to","start":1134.62,"end":1134.7001,"confidence":0.9199219,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16770662367343905},{"word":"that","start":1134.7001,"end":1134.78,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17075452208518982},{"word":"assessment","start":1134.78,"end":1135.26,"confidence":0.9951172,"punctuated_word":"assessment.","sentiment":"neutral","sentiment_score":-0.10681168735027312},{"word":"obviously","start":1135.26,"end":1135.5,"confidence":0.99609375,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.18490129709243777},{"word":"you","start":1135.5,"end":1135.5801,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2100733518600464},{"word":"have","start":1135.5801,"end":1135.74,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.19687430560588837},{"word":"to","start":1135.74,"end":1135.8201,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2157668769359589},{"word":"get","start":1135.8201,"end":1135.9801,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1959858238697052},{"word":"approved","start":1135.9801,"end":1136.2201,"confidence":0.9375,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":-0.08484801650047302},{"word":"for","start":1136.2201,"end":1136.38,"confidence":0.8442383,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01654994487762451},{"word":"the","start":1136.38,"end":1136.4601,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13053004443645477},{"word":"payment","start":1136.4601,"end":1136.78,"confidence":0.87890625,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.04659430682659149},{"word":"first","start":1136.78,"end":1137.28,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.23105961084365845},{"word":"and","start":1137.9,"end":1138.14,"confidence":0.50097656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0779009684920311},{"word":"then","start":1138.14,"end":1138.64,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1385258138179779},{"word":"just","start":1138.78,"end":1138.9401,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06389977782964706},{"word":"give","start":1138.9401,"end":1139.1001,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.11406685411930084},{"word":"them","start":1139.1001,"end":1139.3401,"confidence":0.9951172,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.08786161988973618},{"word":"a","start":1139.3401,"end":1139.42,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10960642248392104},{"word":"call","start":1139.42,"end":1139.66,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.13128207623958588},{"word":"and","start":1139.66,"end":1139.8201,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0944371148943901},{"word":"have","start":1139.8201,"end":1140.06,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05036206543445587},{"word":"a","start":1140.06,"end":1140.2201,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08909787237644196},{"word":"chat","start":1140.2201,"end":1140.54,"confidence":1.0,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":-0.08598074316978455},{"word":"to","start":1140.54,"end":1140.7001,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16721245646476746},{"word":"them","start":1140.7001,"end":1141.2001,"confidence":0.76293945,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.10249470174312592},{"word":"but","start":1141.26,"end":1141.76,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.13869966566562653},{"word":"i'm","start":1142.4601,"end":1142.9601,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.6277048587799072},{"word":"not","start":1143.1001,"end":1143.42,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6704409718513489},{"word":"exactly","start":1143.42,"end":1143.92,"confidence":1.0,"punctuated_word":"exactly","sentiment":"negative","sentiment_score":-0.5781296491622925},{"word":"hopeful","start":1144.2201,"end":1144.7201,"confidence":0.8869629,"punctuated_word":"hopeful,","sentiment":"negative","sentiment_score":-0.5792280435562134},{"word":"to","start":1144.86,"end":1144.9401,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6587656140327454},{"word":"be","start":1144.9401,"end":1145.1001,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5813989043235779},{"word":"completely","start":1145.1001,"end":1145.5,"confidence":1.0,"punctuated_word":"completely","sentiment":"negative","sentiment_score":-0.621681272983551},{"word":"honest","start":1145.5,"end":1146.0,"confidence":0.99609375,"punctuated_word":"honest.","sentiment":"negative","sentiment_score":-0.49880677461624146},{"word":"i'll","start":1146.4249,"end":1146.745,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.2235746383666992},{"word":"have","start":1146.745,"end":1146.825,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11799564957618712},{"word":"a","start":1146.825,"end":1146.905,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13996857404708862},{"word":"look","start":1146.905,"end":1147.405,"confidence":0.87646484,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.11720854789018632},{"word":"and","start":1147.865,"end":1148.105,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12479634582996368},{"word":"i'll","start":1148.105,"end":1148.1849,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13280710577964783},{"word":"have","start":1148.1849,"end":1148.345,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16831238567829132},{"word":"a","start":1148.345,"end":1148.4249,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17287689447402954},{"word":"bit","start":1148.4249,"end":1148.585,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16796378791332245},{"word":"of","start":1148.585,"end":1148.745,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1938943713903427},{"word":"a","start":1148.745,"end":1148.825,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17340034246444702},{"word":"dig","start":1148.825,"end":1149.325,"confidence":0.99902344,"punctuated_word":"dig","sentiment":"neutral","sentiment_score":0.1534218788146973},{"word":"and","start":1149.625,"end":1149.945,"confidence":0.59033203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12428639084100725},{"word":"start","start":1149.945,"end":1150.1849,"confidence":0.99121094,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.14251989126205444},{"word":"brainstorming","start":1150.1849,"end":1150.6849,"confidence":0.9812012,"punctuated_word":"brainstorming","sentiment":"neutral","sentiment_score":0.1882338523864746},{"word":"a","start":1150.905,"end":1150.985,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1760701835155487},{"word":"little","start":1150.985,"end":1151.225,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.16735343635082245},{"word":"bit","start":1151.225,"end":1151.725,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18398308753967285},{"word":"just","start":1152.825,"end":1153.065,"confidence":0.8457031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18677251040935516},{"word":"to","start":1153.065,"end":1153.225,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.168308824300766},{"word":"see","start":1153.225,"end":1153.385,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1933395266532898},{"word":"if","start":1153.385,"end":1153.5449,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21087703108787537},{"word":"there's","start":1153.5449,"end":1153.705,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1975899040699005},{"word":"any","start":1153.705,"end":1153.865,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19264234602451324},{"word":"other","start":1153.865,"end":1154.105,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1531185805797577},{"word":"avenues","start":1154.105,"end":1154.505,"confidence":0.95410156,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":0.17014439404010773},{"word":"that","start":1154.505,"end":1154.6649,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2208717465400696},{"word":"i","start":1154.6649,"end":1154.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17433364689350128},{"word":"can","start":1154.745,"end":1155.245,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16890260577201843},{"word":"that","start":1155.5449,"end":1155.7849,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16372159123420715},{"word":"are","start":1155.7849,"end":1155.865,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.115312859416008},{"word":"not","start":1155.865,"end":1156.105,"confidence":0.9880371,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.01431865245103836},{"word":"like","start":1156.105,"end":1156.345,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1089213639497757},{"word":"glaringly","start":1156.345,"end":1156.825,"confidence":0.9941406,"punctuated_word":"glaringly","sentiment":"neutral","sentiment_score":-0.3191646933555603},{"word":"obvious","start":1156.825,"end":1157.225,"confidence":0.9980469,"punctuated_word":"obvious","sentiment":"neutral","sentiment_score":-0.3128989338874817},{"word":"or","start":1157.225,"end":1157.5449,"confidence":0.9897461,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.16574838757514954},{"word":"you","start":1157.5449,"end":1157.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1237531304359436},{"word":"know","start":1157.705,"end":1158.205,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10446882247924805},{"word":"straight","start":1158.76,"end":1159.26,"confidence":0.99902344,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":-0.18269604444503784},{"word":"up","start":1159.72,"end":1159.96,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09096455574035645},{"word":"that","start":1159.96,"end":1160.2,"confidence":0.47583008,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.025649622082710263},{"word":"i","start":1160.2,"end":1160.36,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025870732963085175},{"word":"can","start":1160.36,"end":1160.52,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02758360654115677},{"word":"kinda","start":1160.52,"end":1160.6799,"confidence":0.59277344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.0032114051282405853},{"word":"think","start":1160.6799,"end":1161.0,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05049263685941696},{"word":"of","start":1161.0,"end":1161.24,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04854084551334381},{"word":"that","start":1161.24,"end":1161.64,"confidence":0.9448242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06610466539859772},{"word":"obviously","start":1161.64,"end":1161.96,"confidence":0.53466797,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.15104752779006958},{"word":"don't","start":1161.96,"end":1162.2,"confidence":0.9812012,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04238756746053696},{"word":"go","start":1162.2,"end":1162.28,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05711580812931061},{"word":"down","start":1162.28,"end":1162.52,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12328271567821504},{"word":"the","start":1162.52,"end":1162.6799,"confidence":0.6074219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09524092823266984},{"word":"let's","start":1162.6799,"end":1163.08,"confidence":0.8876953,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.013497283682227136},{"word":"financially","start":1163.08,"end":1163.5599,"confidence":0.9838867,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":0.045365720987319946},{"word":"separate","start":1163.5599,"end":1163.88,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":0.029509983956813812},{"word":"and","start":1163.88,"end":1164.0399,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14629250764846802},{"word":"have","start":1164.0399,"end":1164.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3148418068885803},{"word":"a","start":1164.28,"end":1164.36,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25158917903900146},{"word":"cute","start":1164.36,"end":1164.6799,"confidence":0.8959961,"punctuated_word":"cute","sentiment":"positive","sentiment_score":0.5316900014877319},{"word":"document","start":1164.6799,"end":1165.1799,"confidence":0.9916992,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.3110768496990204},{"word":"other","start":1166.76,"end":1167.08,"confidence":0.9472656,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.19249074161052704},{"word":"than","start":1167.08,"end":1167.16,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1292542964220047},{"word":"that","start":1167.16,"end":1167.32,"confidence":0.98291016,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11899568140506744},{"word":"it's","start":1167.32,"end":1167.5599,"confidence":0.8833008,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17846857011318207},{"word":"smsf","start":1167.5599,"end":1168.0599,"confidence":0.93375653,"punctuated_word":"SMSF,","sentiment":"neutral","sentiment_score":0.15575683116912842},{"word":"like","start":1168.12,"end":1168.28,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1468527764081955},{"word":"a","start":1168.28,"end":1168.36,"confidence":0.7963867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1776863932609558},{"word":"self","start":1168.36,"end":1168.6,"confidence":0.97998047,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.2193097025156021},{"word":"managed","start":1168.6,"end":1168.9199,"confidence":0.96777344,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.1738760471343994},{"word":"super","start":1168.9199,"end":1169.16,"confidence":0.9716797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2712904214859009},{"word":"fund","start":1169.16,"end":1169.32,"confidence":0.86572266,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.28314071893692017},{"word":"to","start":1169.32,"end":1169.48,"confidence":0.6689453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18698805570602417},{"word":"basically","start":1169.48,"end":1169.96,"confidence":0.9614258,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.161819726228714},{"word":"combine","start":1169.96,"end":1170.46,"confidence":0.99316406,"punctuated_word":"combine","sentiment":"neutral","sentiment_score":0.2078540027141571},{"word":"the","start":1170.6799,"end":1171.1799,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18949346244335177},{"word":"two","start":1171.32,"end":1171.72,"confidence":0.9941406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.18637962639331815},{"word":"monies","start":1171.72,"end":1172.22,"confidence":0.9394531,"punctuated_word":"monies","sentiment":"neutral","sentiment_score":0.20072856545448303},{"word":"into","start":1172.28,"end":1172.6799,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.23555566370487213},{"word":"one","start":1172.6799,"end":1173.1799,"confidence":0.8312988,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.14908012747764587},{"word":"but","start":1173.355,"end":1173.6749,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06390130519866943},{"word":"irrespective","start":1173.6749,"end":1174.1749,"confidence":0.78686523,"punctuated_word":"irrespective,","sentiment":"neutral","sentiment_score":0.04836084693670273},{"word":"under","start":1175.115,"end":1175.4349,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.10039087384939194},{"word":"an","start":1175.4349,"end":1175.595,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08258441090583801},{"word":"smsf","start":1175.595,"end":1176.095,"confidence":0.90250653,"punctuated_word":"SMSF,","sentiment":"neutral","sentiment_score":0.05253756791353226},{"word":"while","start":1176.1549,"end":1176.475,"confidence":0.95166016,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04265963286161423},{"word":"it's","start":1176.475,"end":1176.715,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06454217433929443},{"word":"basically","start":1176.715,"end":1177.195,"confidence":0.97802734,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.05074218660593033},{"word":"one","start":1177.195,"end":1177.4349,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0786028504371643},{"word":"bank","start":1177.4349,"end":1177.6749,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.05642964690923691},{"word":"account","start":1177.6749,"end":1178.075,"confidence":0.9921875,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.04575733467936516},{"word":"there","start":1178.075,"end":1178.315,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06403467059135437},{"word":"are","start":1178.315,"end":1178.475,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06382738053798676},{"word":"still","start":1178.475,"end":1178.975,"confidence":0.3317871,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07088319957256317},{"word":"still","start":1179.115,"end":1179.2749,"confidence":0.7607422,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06914664059877396},{"word":"two","start":1179.2749,"end":1179.7749,"confidence":0.9921875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08462382853031158},{"word":"owners","start":1180.875,"end":1181.375,"confidence":0.9980469,"punctuated_word":"owners","sentiment":"neutral","sentiment_score":0.10469040274620056},{"word":"of","start":1181.5149,"end":1181.755,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08959457278251648},{"word":"that","start":1181.755,"end":1182.255,"confidence":0.8117676,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08447273820638657},{"word":"and","start":1182.3949,"end":1182.715,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17530548572540283},{"word":"the","start":1182.715,"end":1182.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1567918062210083},{"word":"operation","start":1182.875,"end":1183.2749,"confidence":0.9863281,"punctuated_word":"operation","sentiment":"neutral","sentiment_score":0.2015353292226791},{"word":"cost","start":1183.2749,"end":1183.5149,"confidence":0.6464844,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2082529067993164},{"word":"from","start":1183.5149,"end":1183.755,"confidence":0.69677734,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3122677206993103},{"word":"an","start":1183.755,"end":1183.995,"confidence":0.7763672,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22588570415973663},{"word":"smsf","start":1183.995,"end":1184.495,"confidence":0.9777832,"punctuated_word":"SMSF","sentiment":"neutral","sentiment_score":0.1324593722820282},{"word":"are","start":1184.715,"end":1185.0349,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2864704132080078},{"word":"exuberant","start":1185.0349,"end":1185.5349,"confidence":0.99576825,"punctuated_word":"exuberant","sentiment":"positive","sentiment_score":0.41458290815353394},{"word":"and","start":1185.8201,"end":1186.06,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1219027042388916},{"word":"also","start":1186.06,"end":1186.2201,"confidence":0.85058594,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11506812274456024},{"word":"put","start":1186.2201,"end":1186.38,"confidence":0.98828125,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1589374542236328},{"word":"all","start":1186.38,"end":1186.62,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17226552963256836},{"word":"the","start":1186.62,"end":1186.7001,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17680375277996063},{"word":"tax","start":1186.7001,"end":1186.9401,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.18215665221214297},{"word":"obligations","start":1186.9401,"end":1187.3401,"confidence":0.984375,"punctuated_word":"obligations","sentiment":"neutral","sentiment_score":0.0406515896320343},{"word":"onto","start":1187.3401,"end":1187.66,"confidence":0.82373047,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.11622446030378342},{"word":"you","start":1187.66,"end":1187.8201,"confidence":0.9399414,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12220197170972824},{"word":"the","start":1187.8201,"end":1188.06,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11085766553878784},{"word":"monitoring","start":1188.06,"end":1188.56,"confidence":0.89404297,"punctuated_word":"monitoring,","sentiment":"neutral","sentiment_score":0.1118425950407982},{"word":"and","start":1188.62,"end":1188.7001,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09912116825580596},{"word":"everything","start":1188.7001,"end":1189.02,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.09043014049530028},{"word":"else","start":1189.02,"end":1189.52,"confidence":0.9506836,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.08541407436132431},{"word":"so","start":1191.02,"end":1191.52,"confidence":0.82128906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018238835036754608},{"word":"not","start":1191.66,"end":1191.98,"confidence":0.9873047,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08359336853027344},{"word":"necessarily","start":1191.98,"end":1192.48,"confidence":0.99902344,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.07983603328466415},{"word":"an","start":1192.54,"end":1192.7001,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.09816958010196686},{"word":"avenue","start":1192.7001,"end":1193.02,"confidence":0.99609375,"punctuated_word":"avenue","sentiment":"neutral","sentiment_score":-0.04227812215685845},{"word":"you","start":1193.02,"end":1193.1,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06184796243906021},{"word":"wanna","start":1193.1,"end":1193.42,"confidence":0.86279297,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.03446793183684349},{"word":"go","start":1193.42,"end":1193.92,"confidence":0.99560547,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.052756622433662415},{"word":"you","start":1195.5801,"end":1195.74,"confidence":0.82128906,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03828805312514305},{"word":"can","start":1195.74,"end":1195.9,"confidence":0.86865234,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06953184306621552},{"word":"always","start":1195.9,"end":1196.3,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.09976041316986084},{"word":"stay","start":1196.3,"end":1196.54,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.05309069901704788},{"word":"with","start":1196.54,"end":1196.78,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.019265256822109222},{"word":"hub","start":1196.78,"end":1196.9401,"confidence":0.49658203,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.02588888257741928},{"word":"twenty","start":1196.9401,"end":1197.18,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.028731266036629677},{"word":"you","start":1197.3401,"end":1197.5,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09234754741191864},{"word":"can","start":1197.5,"end":1197.66,"confidence":0.84277344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10500282049179076},{"word":"stay","start":1197.66,"end":1197.8201,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.0979934185743332},{"word":"with","start":1197.8201,"end":1198.06,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0720243752002716},{"word":"hub","start":1198.06,"end":1198.2201,"confidence":0.9838867,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.07743941992521286},{"word":"twenty","start":1198.2201,"end":1198.4601,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11672630906105042},{"word":"four","start":1198.4601,"end":1198.7001,"confidence":0.99121094,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07118971645832062},{"word":"under","start":1198.7001,"end":1198.9401,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.0961100533604622},{"word":"an","start":1198.9401,"end":1199.1,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07041289657354355},{"word":"smsf","start":1199.1,"end":1199.6,"confidence":0.93147784,"punctuated_word":"SMSF.","sentiment":"neutral","sentiment_score":0.05957700312137604},{"word":"like","start":1199.66,"end":1199.9,"confidence":0.98095703,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.06379149854183197},{"word":"it's","start":1199.9,"end":1199.98,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07357209920883179},{"word":"not","start":1199.98,"end":1200.465,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.023290149867534637},{"word":"impossible","start":1201.105,"end":1201.605,"confidence":0.9926758,"punctuated_word":"impossible.","sentiment":"neutral","sentiment_score":-0.01033032312989235},{"word":"yeah","start":1202.945,"end":1203.445,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10551896691322328},{"word":"let","start":1204.3049,"end":1204.5449,"confidence":0.98291016,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.1186024621129036},{"word":"me","start":1204.5449,"end":1204.705,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13075795769691467},{"word":"have","start":1204.705,"end":1204.7849,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1497272253036499},{"word":"a","start":1204.7849,"end":1204.865,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17046530544757843},{"word":"look","start":1204.865,"end":1205.105,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13782261312007904},{"word":"into","start":1205.105,"end":1205.345,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13421054184436798},{"word":"it","start":1205.345,"end":1205.4249,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10833397507667542},{"word":"and","start":1205.4249,"end":1205.585,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10696960985660552},{"word":"see","start":1205.585,"end":1205.745,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1620340496301651},{"word":"if","start":1205.745,"end":1205.825,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11828751862049104},{"word":"there's","start":1205.825,"end":1206.065,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.13959041237831116},{"word":"a","start":1206.065,"end":1206.145,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14958301186561584},{"word":"way","start":1206.145,"end":1206.385,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.09933948516845705},{"word":"that","start":1206.385,"end":1206.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15631437301635742},{"word":"i","start":1206.625,"end":1206.7849,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13506358861923218},{"word":"can","start":1206.7849,"end":1207.025,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14768899977207184},{"word":"maybe","start":1207.025,"end":1207.525,"confidence":0.9277344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.14283733069896698},{"word":"operate","start":1209.1849,"end":1209.585,"confidence":0.99121094,"punctuated_word":"operate","sentiment":"neutral","sentiment_score":0.13092564046382904},{"word":"it","start":1209.585,"end":1210.085,"confidence":0.9807129,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.124372236430645},{"word":"let","start":1211.4249,"end":1211.6649,"confidence":0.99902344,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.07861395180225372},{"word":"me","start":1211.6649,"end":1211.825,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07336664944887161},{"word":"let","start":1211.825,"end":1211.985,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08095933496952057},{"word":"me","start":1211.985,"end":1212.145,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07822287827730179},{"word":"look","start":1212.145,"end":1212.3049,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06113447993993759},{"word":"into","start":1212.3049,"end":1212.5449,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08523280918598175},{"word":"it","start":1212.5449,"end":1212.625,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.058663491159677505},{"word":"because","start":1212.625,"end":1212.865,"confidence":0.7558594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0089750736951828},{"word":"i","start":1212.865,"end":1212.945,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.034419216215610504},{"word":"don't","start":1212.945,"end":1213.1849,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06950084865093231},{"word":"think","start":1213.1849,"end":1213.4249,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10044019669294356},{"word":"that","start":1213.4249,"end":1213.9249,"confidence":0.63720703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08477938920259476},{"word":"i'm","start":1214.59,"end":1214.6699,"confidence":0.8293457,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14126327633857727},{"word":"really","start":1214.6699,"end":1215.1499,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.11143451184034348},{"word":"i'm","start":1215.3899,"end":1215.5499,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15479961037635803},{"word":"racking","start":1215.5499,"end":1215.95,"confidence":0.76953125,"punctuated_word":"racking","sentiment":"neutral","sentiment_score":-0.18988972902297976},{"word":"my","start":1215.95,"end":1216.0299,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2478290498256683},{"word":"head","start":1216.0299,"end":1216.19,"confidence":1.0,"punctuated_word":"head","sentiment":"neutral","sentiment_score":-0.29152464866638184},{"word":"and","start":1216.19,"end":1216.35,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20297420024871823},{"word":"talking","start":1216.35,"end":1216.85,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.1684836447238922},{"word":"out","start":1217.23,"end":1217.3899,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.21149857342243197},{"word":"loud","start":1217.3899,"end":1217.7899,"confidence":0.80200195,"punctuated_word":"loud,","sentiment":"neutral","sentiment_score":-0.10614171624183656},{"word":"but","start":1217.7899,"end":1218.2899,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.019252639263868332},{"word":"let","start":1219.3899,"end":1219.71,"confidence":0.86035156,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.031012948602437973},{"word":"let","start":1219.71,"end":1219.95,"confidence":0.9350586,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.05336157605051994},{"word":"me","start":1219.95,"end":1220.11,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04659822955727577},{"word":"look","start":1220.11,"end":1220.4299,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.015722554177045822},{"word":"yeah","start":1220.6699,"end":1221.07,"confidence":0.98657227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.037780359387397766},{"word":"let","start":1221.07,"end":1221.23,"confidence":0.99902344,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.08572842925786972},{"word":"me","start":1221.23,"end":1221.3099,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12051774561405182},{"word":"look","start":1221.3099,"end":1221.5499,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08478157222270966},{"word":"into","start":1221.5499,"end":1221.71,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1012853980064392},{"word":"it","start":1221.71,"end":1221.7899,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08721329271793365},{"word":"and","start":1221.7899,"end":1221.95,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09981599450111388},{"word":"see","start":1221.95,"end":1222.11,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13955947756767273},{"word":"if","start":1222.11,"end":1222.19,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11813484877347946},{"word":"there's","start":1222.19,"end":1222.4299,"confidence":0.9746094,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.1686330288648605},{"word":"like","start":1222.4299,"end":1222.6699,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10330326110124588},{"word":"a","start":1222.6699,"end":1222.83,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17421594262123108},{"word":"a","start":1222.83,"end":1222.9099,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10924765467643738},{"word":"weird","start":1222.9099,"end":1223.1499,"confidence":0.75683594,"punctuated_word":"weird,","sentiment":"neutral","sentiment_score":0.23333141207695007},{"word":"wonderful","start":1223.1499,"end":1223.47,"confidence":1.0,"punctuated_word":"wonderful","sentiment":"positive","sentiment_score":0.5596409440040588},{"word":"way","start":1223.47,"end":1223.6299,"confidence":0.9980469,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4412636458873749},{"word":"that","start":1223.6299,"end":1223.7899,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46011441946029663},{"word":"we","start":1223.7899,"end":1223.87,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4766126275062561},{"word":"can","start":1223.87,"end":1224.0299,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.48041191697120667},{"word":"do","start":1224.0299,"end":1224.2699,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5599280595779419},{"word":"it","start":1224.2699,"end":1224.6699,"confidence":0.88720703,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5164735913276672},{"word":"but","start":1224.6699,"end":1224.83,"confidence":0.9863281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01958892121911049},{"word":"it's","start":1224.83,"end":1225.07,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02605556510388851},{"word":"$8","start":1225.07,"end":1225.5499,"confidence":0.9453125,"punctuated_word":"$8,","sentiment":"neutral","sentiment_score":-0.040795356035232544},{"word":"so","start":1225.5499,"end":1225.71,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0672612413764},{"word":"it's","start":1225.71,"end":1225.87,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08331818878650665},{"word":"that","start":1225.87,"end":1226.0299,"confidence":0.96777344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07966140657663345},{"word":"weird","start":1226.0299,"end":1226.35,"confidence":0.9941406,"punctuated_word":"weird","sentiment":"neutral","sentiment_score":-0.16459545493125916},{"word":"kind","start":1226.35,"end":1226.6699,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.13298766314983368},{"word":"of","start":1226.6699,"end":1226.83,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15855135023593905},{"word":"it's","start":1226.99,"end":1227.49,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1632423996925354},{"word":"a","start":1227.87,"end":1227.95,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15553538501262665},{"word":"bit","start":1227.95,"end":1228.19,"confidence":0.99121094,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0983210951089859},{"word":"of","start":1228.19,"end":1228.2699,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17961670458316803},{"word":"money","start":1228.2699,"end":1228.5099,"confidence":0.97094727,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.12255063652992249},{"word":"but","start":1228.5099,"end":1228.75,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06072196736931801},{"word":"it's","start":1228.75,"end":1228.9099,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11682596057653429},{"word":"not","start":1228.9099,"end":1229.175,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08756014704704285},{"word":"a","start":1229.255,"end":1229.3351,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1738514006137848},{"word":"heap","start":1229.3351,"end":1229.655,"confidence":0.99121094,"punctuated_word":"heap","sentiment":"neutral","sentiment_score":-0.1621316373348236},{"word":"of","start":1229.655,"end":1230.155,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13725729286670685},{"word":"money","start":1230.4551,"end":1230.9551,"confidence":0.97753906,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.13390107452869415},{"word":"it","start":1231.0951,"end":1231.255,"confidence":0.5966797,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.058170925825834274},{"word":"was","start":1231.255,"end":1231.415,"confidence":0.97314453,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2228334844112396},{"word":"like","start":1231.415,"end":1231.915,"confidence":0.63964844,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.19452893733978271},{"word":"yeah","start":1232.375,"end":1232.875,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0752001404762268},{"word":"yeah","start":1234.055,"end":1234.535,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06832136958837509},{"word":"and","start":1234.535,"end":1234.775,"confidence":0.98217773,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.20415504276752472},{"word":"like","start":1234.775,"end":1234.935,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.20860880613327024},{"word":"the","start":1234.935,"end":1235.0951,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3559778332710266},{"word":"frustrating","start":1235.0951,"end":1235.495,"confidence":0.9951172,"punctuated_word":"frustrating","sentiment":"negative","sentiment_score":-0.4555225968360901},{"word":"part","start":1235.495,"end":1235.7351,"confidence":0.99609375,"punctuated_word":"part","sentiment":"negative","sentiment_score":-0.36682212352752686},{"word":"is","start":1235.7351,"end":1235.9751,"confidence":0.98828125,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5325608253479004},{"word":"as","start":1235.9751,"end":1236.055,"confidence":0.6425781,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5693167448043823},{"word":"well","start":1236.055,"end":1236.295,"confidence":0.8183594,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.5453052520751953},{"word":"the","start":1236.295,"end":1236.4551,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5811055898666382},{"word":"apo","start":1236.4551,"end":1236.935,"confidence":0.8635254,"punctuated_word":"APO","sentiment":"negative","sentiment_score":-0.3956125676631927},{"word":"holding","start":1236.935,"end":1237.175,"confidence":0.5776367,"punctuated_word":"holding","sentiment":"negative","sentiment_score":-0.3964021503925323},{"word":"it","start":1237.175,"end":1237.495,"confidence":0.94189453,"punctuated_word":"it,","sentiment":"negative","sentiment_score":-0.3937111496925354},{"word":"they","start":1237.495,"end":1237.895,"confidence":1.0,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.43003061413764954},{"word":"invested","start":1237.895,"end":1238.395,"confidence":0.6616211,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.319851279258728},{"word":"on","start":1238.4551,"end":1238.615,"confidence":0.94189453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.29857751727104187},{"word":"your","start":1238.615,"end":1238.775,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3591730296611786},{"word":"behalf","start":1238.775,"end":1239.015,"confidence":1.0,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":-0.3301500976085663},{"word":"and","start":1239.015,"end":1239.175,"confidence":0.9941406,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3478730022907257},{"word":"do","start":1239.175,"end":1239.3351,"confidence":0.9428711,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.4436200559139252},{"word":"nothing","start":1239.3351,"end":1239.655,"confidence":1.0,"punctuated_word":"nothing","sentiment":"negative","sentiment_score":-0.4039106369018554},{"word":"much","start":1239.655,"end":1239.895,"confidence":0.99902344,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.34843844175338745},{"word":"with","start":1239.895,"end":1240.055,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2709270119667053},{"word":"it","start":1240.055,"end":1240.555,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.2819247245788574},{"word":"can","start":1241.895,"end":1242.135,"confidence":0.9770508,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.06933378428220749},{"word":"i","start":1242.135,"end":1242.295,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06824886053800583},{"word":"ask","start":1242.295,"end":1242.795,"confidence":0.77124023,"punctuated_word":"ask?","sentiment":"neutral","sentiment_score":-0.06275445222854614},{"word":"would","start":1242.8551,"end":1243.175,"confidence":0.95947266,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.036101214587688446},{"word":"you","start":1243.175,"end":1243.675,"confidence":0.9519043,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.05175366625189781},{"word":"like","start":1243.98,"end":1244.22,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06831322610378265},{"word":"i","start":1244.46,"end":1244.62,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008911073207855225},{"word":"will","start":1244.62,"end":1244.78,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06830410659313202},{"word":"look","start":1244.78,"end":1245.02,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.017416134476661682},{"word":"into","start":1245.02,"end":1245.26,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06524048000574112},{"word":"the","start":1245.26,"end":1245.34,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06714347749948502},{"word":"other","start":1245.34,"end":1245.5,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.041203394532203674},{"word":"avenue","start":1245.5,"end":1245.82,"confidence":0.9355469,"punctuated_word":"avenue,","sentiment":"neutral","sentiment_score":0.0438011959195137},{"word":"but","start":1245.82,"end":1246.0599,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06711562722921371},{"word":"would","start":1246.0599,"end":1246.14,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06558326631784439},{"word":"you","start":1246.14,"end":1246.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03155425190925598},{"word":"be","start":1246.3,"end":1246.54,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05778960883617401},{"word":"interested","start":1246.54,"end":1247.02,"confidence":1.0,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":0.07070503383874893},{"word":"in","start":1247.02,"end":1247.52,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08322790265083313},{"word":"possibly","start":1249.9,"end":1250.14,"confidence":0.9770508,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.06785573065280914},{"word":"boosting","start":1250.14,"end":1250.62,"confidence":0.99902344,"punctuated_word":"boosting","sentiment":"neutral","sentiment_score":0.09771323204040527},{"word":"the","start":1250.62,"end":1250.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13441264629364014},{"word":"account","start":1250.86,"end":1251.36,"confidence":0.98583984,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.18397068977355957},{"word":"we","start":1251.58,"end":1251.74,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.23499205708503723},{"word":"can","start":1251.74,"end":1251.98,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2627946138381958},{"word":"invest","start":1251.98,"end":1252.46,"confidence":0.9970703,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.21481256186962128},{"word":"the","start":1252.46,"end":1252.62,"confidence":0.8745117,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37262412905693054},{"word":"money","start":1252.62,"end":1253.02,"confidence":0.7161865,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.3557007908821106},{"word":"we","start":1253.02,"end":1253.1799,"confidence":0.9892578,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.403533548116684},{"word":"can","start":1253.1799,"end":1253.34,"confidence":0.96972656,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3930314779281616},{"word":"boost","start":1253.34,"end":1253.74,"confidence":0.69628906,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.5115942358970642},{"word":"it","start":1253.74,"end":1253.82,"confidence":0.8461914,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6074067950248718},{"word":"and","start":1253.82,"end":1253.98,"confidence":0.96533203,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.46867266297340393},{"word":"get","start":1253.98,"end":1254.38,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5397493839263916},{"word":"things","start":1254.38,"end":1254.7,"confidence":0.9941406,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.7363890409469604},{"word":"happening","start":1254.7,"end":1255.2,"confidence":1.0,"punctuated_word":"happening","sentiment":"positive","sentiment_score":0.6985448002815247},{"word":"for","start":1255.34,"end":1255.66,"confidence":0.9394531,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5576903223991394},{"word":"retirement","start":1255.66,"end":1256.16,"confidence":0.9970703,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.4828929603099823},{"word":"for","start":1256.46,"end":1256.7,"confidence":0.9941406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5408477187156677},{"word":"her","start":1256.7,"end":1257.2,"confidence":0.9169922,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.024396492168307304},{"word":"because","start":1257.455,"end":1257.615,"confidence":0.93408203,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.10186655074357986},{"word":"like","start":1257.615,"end":1257.775,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1179429218173027},{"word":"realistically","start":1257.775,"end":1258.275,"confidence":0.99609375,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.1489398628473282},{"word":"we're","start":1258.335,"end":1258.575,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2409062683582306},{"word":"planning","start":1258.575,"end":1258.895,"confidence":1.0,"punctuated_word":"planning","sentiment":"positive","sentiment_score":0.4439285397529602},{"word":"on","start":1258.895,"end":1259.055,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4455975890159607},{"word":"being","start":1259.055,"end":1259.295,"confidence":1.0,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.494768351316452},{"word":"together","start":1259.295,"end":1259.695,"confidence":0.97265625,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.4508152902126312},{"word":"long","start":1259.695,"end":1259.935,"confidence":0.98828125,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4362187087535858},{"word":"term","start":1259.935,"end":1260.175,"confidence":0.99902344,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.40519455075263977},{"word":"year","start":1260.175,"end":1260.335,"confidence":0.40405273,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.4869253933429718},{"word":"and","start":1260.335,"end":1260.495,"confidence":0.64990234,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35542675852775574},{"word":"year","start":1260.495,"end":1260.995,"confidence":0.47802734,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2975428104400635},{"word":"what","start":1261.535,"end":1261.935,"confidence":0.7548828,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":0.1161552220582962},{"word":"thirty","start":1261.935,"end":1262.335,"confidence":0.9941406,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.17557233572006226},{"word":"four","start":1262.335,"end":1262.835,"confidence":0.8059082,"punctuated_word":"four?","sentiment":"neutral","sentiment_score":0.15175089240074158},{"word":"so","start":1263.7749,"end":1264.2749,"confidence":0.8977051,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07556205242872238},{"word":"you","start":1265.215,"end":1265.295,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0429023876786232},{"word":"know","start":1265.295,"end":1265.615,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07229255139827728},{"word":"we've","start":1265.615,"end":1265.935,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.08390434831380844},{"word":"got","start":1265.935,"end":1266.095,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09240223467350006},{"word":"thirty","start":1266.095,"end":1266.335,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.08928040415048599},{"word":"years","start":1266.335,"end":1266.575,"confidence":0.9399414,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.07520157098770142},{"word":"i'm","start":1266.575,"end":1266.735,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06942003965377808},{"word":"assuming","start":1266.735,"end":1267.235,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.09214305877685548},{"word":"wife","start":1267.535,"end":1267.775,"confidence":0.9790039,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.08003300428390503},{"word":"is","start":1267.775,"end":1268.175,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.058368030935525894},{"word":"of","start":1268.175,"end":1268.415,"confidence":0.9536133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04299400746822357},{"word":"the","start":1268.415,"end":1268.575,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04115867614746094},{"word":"same","start":1268.575,"end":1268.815,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.06419038772583008},{"word":"age","start":1268.815,"end":1269.315,"confidence":0.9941406,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":0.036469683051109314},{"word":"would","start":1269.8899,"end":1270.0499,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.09505530446767808},{"word":"you","start":1270.0499,"end":1270.2899,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1198124885559082},{"word":"wanna","start":1270.2899,"end":1270.61,"confidence":0.99316406,"punctuated_word":"wanna,","sentiment":"neutral","sentiment_score":0.13255316019058228},{"word":"like","start":1270.61,"end":1270.85,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1136997416615486},{"word":"look","start":1270.85,"end":1271.09,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13226288557052612},{"word":"at","start":1271.09,"end":1271.49,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15173467993736267},{"word":"possibly","start":1271.49,"end":1271.99,"confidence":0.9790039,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.1821916103363037},{"word":"doing","start":1272.7699,"end":1273.09,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.14960597455501556},{"word":"some","start":1273.09,"end":1273.25,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11453656852245332},{"word":"stuff","start":1273.25,"end":1273.57,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.16835004091262817},{"word":"in","start":1273.57,"end":1273.73,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13425253331661224},{"word":"that","start":1273.73,"end":1273.8899,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.121917262673378},{"word":"avenue","start":1273.8899,"end":1274.3899,"confidence":0.9902344,"punctuated_word":"avenue","sentiment":"neutral","sentiment_score":0.13736633956432345},{"word":"where","start":1274.61,"end":1274.9299,"confidence":0.88964844,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0852399691939354},{"word":"you","start":1274.9299,"end":1275.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1328238546848297},{"word":"could","start":1275.09,"end":1275.33,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09089002758264542},{"word":"contribute","start":1275.33,"end":1275.73,"confidence":1.0,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.1444159597158432},{"word":"to","start":1275.73,"end":1275.8899,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10887952148914336},{"word":"the","start":1275.8899,"end":1276.0499,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08102574944496155},{"word":"fund","start":1276.0499,"end":1276.5499,"confidence":0.98461914,"punctuated_word":"fund?","sentiment":"neutral","sentiment_score":0.12944403290748596},{"word":"mhmm","start":1285.645,"end":1286.145,"confidence":0.8812256,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.25093671679496765},{"word":"because","start":1295.77,"end":1296.17,"confidence":0.85546875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.04838419333100319},{"word":"what","start":1296.17,"end":1296.49,"confidence":0.97998047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0749003142118454},{"word":"yeah","start":1298.49,"end":1298.89,"confidence":0.9802246,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.13940712809562683},{"word":"because","start":1298.89,"end":1299.13,"confidence":0.99609375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0931992158293724},{"word":"what","start":1299.13,"end":1299.29,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10801645368337633},{"word":"we","start":1299.29,"end":1299.6901,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1758282482624054},{"word":"could","start":1299.6901,"end":1300.09,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2280728220939636},{"word":"do","start":1300.09,"end":1300.59,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1882338970899582},{"word":"and","start":1301.05,"end":1301.29,"confidence":0.8757324,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.14667139947414398},{"word":"again","start":1301.29,"end":1301.61,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.15011832118034363},{"word":"i","start":1301.61,"end":1301.77,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2036873698234558},{"word":"will","start":1301.77,"end":1302.01,"confidence":0.9921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.191079705953598},{"word":"look","start":1302.01,"end":1302.17,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17833641171455383},{"word":"at","start":1302.17,"end":1302.25,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16561666131019592},{"word":"this","start":1302.25,"end":1302.41,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1499844491481781},{"word":"as","start":1302.41,"end":1302.57,"confidence":0.98095703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16128668189048767},{"word":"option","start":1302.57,"end":1302.89,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.13115213811397552},{"word":"b","start":1302.89,"end":1303.13,"confidence":0.99902344,"punctuated_word":"b","sentiment":"neutral","sentiment_score":0.17819207906723022},{"word":"and","start":1303.13,"end":1303.37,"confidence":0.93408203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10527029633522034},{"word":"look","start":1303.37,"end":1303.61,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1205163300037384},{"word":"at","start":1303.61,"end":1303.6901,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15990541875362396},{"word":"option","start":1303.6901,"end":1304.09,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1409742385149002},{"word":"a","start":1304.09,"end":1304.33,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2103717625141144},{"word":"as","start":1304.33,"end":1304.57,"confidence":0.9760742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14984337985515594},{"word":"the","start":1304.57,"end":1304.81,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17082363367080688},{"word":"first","start":1304.81,"end":1305.05,"confidence":0.96972656,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.15048065781593323},{"word":"one","start":1305.05,"end":1305.29,"confidence":0.8798828,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.12250080704689026},{"word":"like","start":1305.29,"end":1305.45,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12348224222660063},{"word":"you","start":1305.45,"end":1305.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08741838485002518},{"word":"know","start":1305.61,"end":1305.77,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10905292630195618},{"word":"see","start":1305.77,"end":1305.93,"confidence":0.9633789,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1604626178741455},{"word":"if","start":1305.93,"end":1306.01,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16080161929130554},{"word":"we","start":1306.01,"end":1306.17,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17188018560409546},{"word":"can","start":1306.17,"end":1306.33,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1263592392206192},{"word":"get","start":1306.33,"end":1306.49,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12158264219760896},{"word":"cash","start":1306.49,"end":1306.73,"confidence":0.97802734,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.14205893874168396},{"word":"out","start":1306.73,"end":1307.175,"confidence":0.99121094,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.13147343695163727},{"word":"option","start":1308.4551,"end":1308.935,"confidence":0.90771484,"punctuated_word":"Option","sentiment":"neutral","sentiment_score":0.1584257185459137},{"word":"b","start":1308.935,"end":1309.255,"confidence":0.9980469,"punctuated_word":"b","sentiment":"neutral","sentiment_score":0.13934341073036194},{"word":"is","start":1309.255,"end":1309.5751,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1161414235830307},{"word":"there's","start":1309.5751,"end":1309.8151,"confidence":0.9355469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07908613979816437},{"word":"two","start":1309.8151,"end":1310.055,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04812194034457207},{"word":"types","start":1310.055,"end":1310.295,"confidence":0.99902344,"punctuated_word":"types","sentiment":"neutral","sentiment_score":0.019008655101060867},{"word":"of","start":1310.295,"end":1310.4551,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.055696651339530945},{"word":"contribute","start":1310.4551,"end":1310.655,"confidence":0.9091797,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.05252471566200256},{"word":"well","start":1310.8551,"end":1310.935,"confidence":0.96313477,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06503450125455856},{"word":"there's","start":1310.935,"end":1311.0951,"confidence":0.99316406,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.026596203446388245},{"word":"three","start":1311.0951,"end":1311.255,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.011805038899183272},{"word":"types","start":1311.255,"end":1311.495,"confidence":0.9941406,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.000581156462430954},{"word":"of","start":1311.495,"end":1311.655,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0030409246683120728},{"word":"contributions","start":1311.655,"end":1312.155,"confidence":0.90478516,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":-0.001256268471479416},{"word":"one","start":1313.015,"end":1313.415,"confidence":0.9526367,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.1156664937734604},{"word":"the","start":1313.8151,"end":1313.9751,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0965995341539383},{"word":"first","start":1313.9751,"end":1314.135,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.17162823677062988},{"word":"one","start":1314.135,"end":1314.375,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1558380126953125},{"word":"doesn't","start":1314.375,"end":1314.535,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.1595655381679535},{"word":"work","start":1314.535,"end":1314.6951,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.05208873748779297},{"word":"for","start":1314.6951,"end":1314.8551,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09708740562200546},{"word":"her","start":1314.8551,"end":1314.935,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.14679424464702606},{"word":"because","start":1314.935,"end":1315.175,"confidence":0.94140625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17278337478637695},{"word":"she's","start":1315.175,"end":1315.3351,"confidence":0.9592285,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.2597668766975403},{"word":"not","start":1315.3351,"end":1315.415,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21209311485290527},{"word":"working","start":1315.415,"end":1315.8151,"confidence":0.91015625,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.27666959166526794},{"word":"so","start":1315.8151,"end":1316.055,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1772870123386383},{"word":"we're","start":1316.055,"end":1316.2151,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.18338219821453097},{"word":"gonna","start":1316.2151,"end":1316.4551,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.15726107358932495},{"word":"write","start":1316.4551,"end":1316.615,"confidence":0.99902344,"punctuated_word":"write","sentiment":"neutral","sentiment_score":-0.1645803302526474},{"word":"that","start":1316.615,"end":1316.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1970660239458084},{"word":"off","start":1316.775,"end":1317.255,"confidence":0.9995117,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.12990787625312805},{"word":"the","start":1317.255,"end":1317.415,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.002961769700050354},{"word":"two","start":1317.415,"end":1317.5751,"confidence":0.9941406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03516910970211029},{"word":"that","start":1317.5751,"end":1317.8151,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005718059837818146},{"word":"remain","start":1317.8151,"end":1318.3151,"confidence":0.9873047,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.01778440922498703},{"word":"are","start":1318.535,"end":1318.6951,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02799329161643982},{"word":"personal","start":1318.6951,"end":1319.175,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0532795786857605},{"word":"and","start":1319.175,"end":1319.3351,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03227926045656204},{"word":"spousal","start":1319.3351,"end":1319.8351,"confidence":0.92407227,"punctuated_word":"spousal.","sentiment":"neutral","sentiment_score":0.05059418827295303},{"word":"because","start":1320.1901,"end":1320.43,"confidence":1.0,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.018230758607387543},{"word":"she","start":1320.43,"end":1320.67,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.03621118515729904},{"word":"doesn't","start":1320.67,"end":1320.99,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.005027349106967449},{"word":"earn","start":1320.99,"end":1321.23,"confidence":0.99609375,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.05378611385822296},{"word":"a","start":1321.23,"end":1321.39,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0318453349173069},{"word":"taxable","start":1321.39,"end":1321.89,"confidence":0.99902344,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":-0.05731244012713432},{"word":"income","start":1322.03,"end":1322.53,"confidence":0.9099121,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.07421053946018219},{"word":"unless","start":1323.55,"end":1323.9501,"confidence":0.9980469,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.019011061638593674},{"word":"there's","start":1323.9501,"end":1324.11,"confidence":0.9602051,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.01466556452214718},{"word":"something","start":1324.11,"end":1324.35,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.009717002511024477},{"word":"you","start":1324.35,"end":1324.43,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010440610349178314},{"word":"haven't","start":1324.43,"end":1324.5901,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.0091200340539217},{"word":"told","start":1324.5901,"end":1324.75,"confidence":1.0,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.04031630605459213},{"word":"me","start":1324.75,"end":1324.91,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.005081430077552795},{"word":"about","start":1324.91,"end":1325.15,"confidence":0.8996582,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.006573952734470367},{"word":"but","start":1325.15,"end":1325.65,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.021077975630760193},{"word":"because","start":1325.9501,"end":1326.1901,"confidence":0.68115234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.022148936986923214},{"word":"she","start":1326.1901,"end":1326.35,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.04218781739473343},{"word":"doesn't","start":1326.35,"end":1326.67,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.006734868045896292},{"word":"earn","start":1326.67,"end":1326.8301,"confidence":0.9526367,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.04035785794258118},{"word":"a","start":1326.8301,"end":1326.91,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011939562857151031},{"word":"taxable","start":1326.91,"end":1327.31,"confidence":0.9941406,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":-0.03878594562411308},{"word":"income","start":1327.31,"end":1327.81,"confidence":0.97265625,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.041573379188776016},{"word":"her","start":1328.5901,"end":1329.0901,"confidence":0.9604492,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.0009542852640151978},{"word":"and","start":1331.63,"end":1331.87,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013969384133815764},{"word":"you","start":1331.87,"end":1332.03,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09572182595729828},{"word":"are","start":1332.03,"end":1332.1901,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.103701613843441},{"word":"out","start":1332.1901,"end":1332.43,"confidence":0.39916992,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05475671589374542},{"word":"of","start":1332.43,"end":1332.5901,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03832046687602997},{"word":"a","start":1332.5901,"end":1332.67,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013290435075759888},{"word":"higher","start":1332.67,"end":1332.99,"confidence":0.99609375,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.08048266172409058},{"word":"tax","start":1332.99,"end":1333.23,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.017578259110450745},{"word":"bracket","start":1333.23,"end":1333.73,"confidence":0.9675293,"punctuated_word":"bracket,","sentiment":"neutral","sentiment_score":0.028366267681121823},{"word":"you","start":1334.205,"end":1334.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1590898036956787},{"word":"you","start":1334.9249,"end":1335.1649,"confidence":0.85546875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2164458930492401},{"word":"could","start":1335.1649,"end":1335.325,"confidence":0.9892578,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2391543984413147},{"word":"basically","start":1335.325,"end":1335.725,"confidence":0.97314453,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.14059576392173767},{"word":"put","start":1335.725,"end":1335.885,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1544438898563385},{"word":"a","start":1335.885,"end":1335.965,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2145371288061142},{"word":"thousand","start":1335.965,"end":1336.365,"confidence":0.9970703,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.23055461049079895},{"word":"dollars","start":1336.365,"end":1336.605,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.22243694961071017},{"word":"in","start":1336.605,"end":1336.845,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2127861529588699},{"word":"under","start":1336.845,"end":1337.085,"confidence":0.99609375,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.23786091804504397},{"word":"what's","start":1337.085,"end":1337.325,"confidence":0.9980469,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.2040144056081772},{"word":"called","start":1337.325,"end":1337.565,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.11620153486728668},{"word":"a","start":1337.565,"end":1337.725,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2075282633304596},{"word":"personal","start":1337.725,"end":1338.205,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.09196242690086363},{"word":"contribution","start":1338.205,"end":1338.705,"confidence":0.88012695,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.16434644162654877},{"word":"and","start":1339.085,"end":1339.325,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20451512932777405},{"word":"the","start":1339.325,"end":1339.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19158139824867249},{"word":"government","start":1339.565,"end":1340.065,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.1982399821281433},{"word":"will","start":1340.125,"end":1340.625,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15698973834514618},{"word":"co","start":1340.765,"end":1341.1649,"confidence":0.6748047,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.22272759675979617},{"word":"contribute","start":1341.1649,"end":1341.645,"confidence":0.99609375,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.1449131965637207},{"word":"into","start":1341.645,"end":1341.885,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.19034485518932345},{"word":"the","start":1341.885,"end":1342.0449,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19913798570632937},{"word":"fund","start":1342.0449,"end":1342.445,"confidence":0.923584,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.19502979516983032},{"word":"so","start":1342.445,"end":1342.525,"confidence":0.9291992,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2273099720478058},{"word":"you","start":1342.525,"end":1342.6849,"confidence":0.9404297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2699410915374756},{"word":"put","start":1342.6849,"end":1342.845,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2754158675670624},{"word":"a","start":1342.845,"end":1342.9249,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3137679398059845},{"word":"thousand","start":1342.9249,"end":1343.1649,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.2861468195915222},{"word":"dollars","start":1343.1649,"end":1343.4049,"confidence":0.99902344,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.26590868830680847},{"word":"in","start":1343.4049,"end":1343.485,"confidence":0.90722656,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.2521316409111023},{"word":"the","start":1343.485,"end":1343.645,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23119059205055237},{"word":"government","start":1343.645,"end":1343.965,"confidence":0.9980469,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.24117246270179749},{"word":"will","start":1343.965,"end":1344.125,"confidence":0.98828125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18108563125133512},{"word":"pay","start":1344.125,"end":1344.2849,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.14463874697685242},{"word":"500","start":1344.2849,"end":1344.9249,"confidence":0.984375,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.2593660354614258},{"word":"so","start":1344.9249,"end":1345.1649,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24355775117874143},{"word":"it's","start":1345.1649,"end":1345.245,"confidence":0.9265137,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3107321560382843},{"word":"basically","start":1345.245,"end":1345.745,"confidence":0.91748047,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.3040027916431427},{"word":"$500","start":1345.8049,"end":1346.445,"confidence":0.99108887,"punctuated_word":"$500","sentiment":"positive","sentiment_score":0.5702911615371704},{"word":"of","start":1346.445,"end":1346.525,"confidence":0.95703125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4787431061267853},{"word":"free","start":1346.525,"end":1346.765,"confidence":1.0,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.4044045209884643},{"word":"money","start":1346.765,"end":1347.265,"confidence":1.0,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.41144925355911255},{"word":"avenue","start":1348.47,"end":1348.97,"confidence":1.0,"punctuated_word":"Avenue","sentiment":"neutral","sentiment_score":0.2136915922164917},{"word":"number","start":1349.03,"end":1349.53,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.22163493931293488},{"word":"two","start":1349.8301,"end":1350.3301,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.20581845939159393},{"word":"is","start":1351.03,"end":1351.53,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1727193295955658},{"word":"you","start":1352.0701,"end":1352.23,"confidence":0.93603516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23737862706184387},{"word":"can","start":1352.23,"end":1352.47,"confidence":0.9770508,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2435547560453415},{"word":"put","start":1352.47,"end":1352.87,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.23093122243881223},{"word":"up","start":1352.87,"end":1353.11,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2703709006309509},{"word":"to","start":1353.11,"end":1353.43,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23524439334869385},{"word":"$3","start":1353.43,"end":1354.25,"confidence":0.9980469,"punctuated_word":"$3","sentiment":"neutral","sentiment_score":0.2915481626987457},{"word":"in","start":1354.31,"end":1354.55,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25980865955352783},{"word":"per","start":1354.55,"end":1354.87,"confidence":0.96972656,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.2465187907218933},{"word":"year","start":1354.87,"end":1355.37,"confidence":0.82543945,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2221272587776184},{"word":"and","start":1355.67,"end":1356.15,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17444315552711487},{"word":"you","start":1356.15,"end":1356.65,"confidence":0.9370117,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.259989857673645},{"word":"as","start":1356.9501,"end":1357.11,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3301292359828949},{"word":"in","start":1357.11,"end":1357.35,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21508178114891052},{"word":"christopher","start":1357.35,"end":1357.85,"confidence":0.9851074,"punctuated_word":"Christopher,","sentiment":"neutral","sentiment_score":0.27218931913375854},{"word":"gets","start":1358.55,"end":1358.9501,"confidence":0.9003906,"punctuated_word":"gets","sentiment":"positive","sentiment_score":0.33920156955718994},{"word":"a","start":1358.9501,"end":1359.27,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31063827872276306},{"word":"personal","start":1359.27,"end":1359.77,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.2618383467197418},{"word":"tax","start":1362.645,"end":1362.885,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.3288842737674713},{"word":"rebate","start":1362.885,"end":1363.385,"confidence":0.9748535,"punctuated_word":"rebate.","sentiment":"neutral","sentiment_score":0.27156656980514526},{"word":"so","start":1364.0851,"end":1364.405,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23903699219226837},{"word":"it's","start":1364.405,"end":1364.905,"confidence":0.9875488,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.25654131174087524},{"word":"it's","start":1366.3251,"end":1366.8251,"confidence":0.9519043,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27744364738464355},{"word":"$3","start":1367.925,"end":1368.5651,"confidence":0.967041,"punctuated_word":"$3","sentiment":"positive","sentiment_score":0.3683227598667145},{"word":"in","start":1368.5651,"end":1368.805,"confidence":0.83618164,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.2883760929107666},{"word":"you'll","start":1368.805,"end":1369.045,"confidence":0.99365234,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.30614617466926575},{"word":"get","start":1369.045,"end":1369.2051,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3798169195652008},{"word":"18%","start":1369.2051,"end":1369.845,"confidence":1.0,"punctuated_word":"18%","sentiment":"positive","sentiment_score":0.38649240136146545},{"word":"of","start":1369.845,"end":1369.925,"confidence":0.9819336,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3530995845794678},{"word":"that","start":1369.925,"end":1370.0851,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3298431932926178},{"word":"$3","start":1370.0851,"end":1370.5651,"confidence":0.9671631,"punctuated_word":"$3,","sentiment":"neutral","sentiment_score":0.29628729820251465},{"word":"which","start":1370.5651,"end":1371.0651,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2747657299041748},{"word":"is","start":1371.525,"end":1371.845,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16643138229846954},{"word":"$540","start":1371.845,"end":1373.4651,"confidence":0.9974365,"punctuated_word":"$540","sentiment":"neutral","sentiment_score":0.32144027948379517},{"word":"back","start":1376.165,"end":1376.405,"confidence":0.7734375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0708332285284996},{"word":"on","start":1376.405,"end":1376.5651,"confidence":0.52246094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1100599840283394},{"word":"your","start":1376.5651,"end":1376.805,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11601628363132475},{"word":"tax","start":1376.805,"end":1377.09,"confidence":0.97631836,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.13647164404392242},{"word":"exactly","start":1378.69,"end":1379.09,"confidence":0.8947754,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.2655594050884247},{"word":"so","start":1379.09,"end":1379.33,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2130078226327896},{"word":"it's","start":1379.33,"end":1379.4099,"confidence":0.9692383,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2514425814151764},{"word":"a","start":1379.4099,"end":1379.49,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27820074558258057},{"word":"tax","start":1379.49,"end":1379.73,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2837197482585907},{"word":"free","start":1379.73,"end":1379.89,"confidence":0.6020508,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2240947782993317},{"word":"rate","start":1379.89,"end":1380.13,"confidence":0.73876953,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.16127556562423706},{"word":"there","start":1380.13,"end":1380.63,"confidence":0.99560547,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.014694291166961191},{"word":"so","start":1381.33,"end":1381.73,"confidence":0.80737305,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07747616618871689},{"word":"essentially","start":1381.73,"end":1382.23,"confidence":0.9970703,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.07388503849506378},{"word":"all","start":1382.37,"end":1382.5299,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09518653154373168},{"word":"in","start":1382.5299,"end":1382.69,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07265534996986389},{"word":"all","start":1382.69,"end":1383.19,"confidence":0.9951172,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.0842667892575264},{"word":"you","start":1383.73,"end":1383.97,"confidence":0.9375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14440827071666718},{"word":"would","start":1383.97,"end":1384.21,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.107620969414711},{"word":"end","start":1384.21,"end":1384.37,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.13994231820106506},{"word":"up","start":1384.37,"end":1384.5299,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0959463268518448},{"word":"putting","start":1384.5299,"end":1384.85,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.1260901689529419},{"word":"in","start":1384.85,"end":1385.1699,"confidence":0.88378906,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.0940963476896286},{"word":"you","start":1385.1699,"end":1385.4099,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09083712100982666},{"word":"know","start":1385.4099,"end":1385.65,"confidence":0.9406738,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06522244215011597},{"word":"say","start":1385.65,"end":1386.13,"confidence":0.7248535,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.07274051010608673},{"word":"just","start":1386.13,"end":1386.37,"confidence":0.82666016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07364019751548767},{"word":"call","start":1386.37,"end":1386.45,"confidence":0.69921875,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.06120210140943527},{"word":"it","start":1386.45,"end":1386.5299,"confidence":0.8691406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09063200652599336},{"word":"$2.5","start":1386.5299,"end":1387.6699,"confidence":0.9949951,"punctuated_word":"$2.5","sentiment":"neutral","sentiment_score":0.07781559228897095},{"word":"into","start":1388.77,"end":1389.09,"confidence":0.9760742,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09703174233436584},{"word":"the","start":1389.09,"end":1389.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09332560002803802},{"word":"fund","start":1389.25,"end":1389.73,"confidence":0.89990234,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.1005995199084282},{"word":"$3","start":1389.73,"end":1390.21,"confidence":0.94799805,"punctuated_word":"$3","sentiment":"neutral","sentiment_score":0.0933925062417984},{"word":"and","start":1390.37,"end":1390.5299,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07363096624612808},{"word":"then","start":1390.5299,"end":1390.61,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08747386187314987},{"word":"and","start":1390.69,"end":1390.9299,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0791543573141098},{"word":"$3","start":1390.9299,"end":1391.49,"confidence":0.99853516,"punctuated_word":"$3","sentiment":"neutral","sentiment_score":0.07800362259149551},{"word":"lands","start":1391.49,"end":1391.8099,"confidence":0.60058594,"punctuated_word":"lands","sentiment":"neutral","sentiment_score":0.08228453993797302},{"word":"in","start":1391.8099,"end":1392.285,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08486294746398926},{"word":"and","start":1392.8451,"end":1393.245,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07421629875898361},{"word":"an","start":1393.245,"end":1393.485,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0934341549873352},{"word":"additional","start":1393.485,"end":1393.985,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.07546152919530869},{"word":"thousand","start":1394.2051,"end":1394.7051,"confidence":0.9941406,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.10068906098604202},{"word":"and","start":1395.165,"end":1395.665,"confidence":0.73828125,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.05756969377398491},{"word":"you","start":1395.725,"end":1396.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06346498429775238},{"word":"know","start":1396.525,"end":1396.8451,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.061953987926244736},{"word":"government","start":1396.8451,"end":1397.245,"confidence":0.984375,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.09790749847888948},{"word":"pays","start":1397.245,"end":1397.5651,"confidence":0.99609375,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.06390690803527832},{"word":"$500","start":1397.5651,"end":1398.545,"confidence":0.9970703,"punctuated_word":"$500.","sentiment":"neutral","sentiment_score":0.13270717859268188},{"word":"so","start":1400.285,"end":1400.605,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3599632680416107},{"word":"that","start":1400.605,"end":1400.8451,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4842882454395294},{"word":"is","start":1400.8451,"end":1401.005,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4069213569164276},{"word":"an","start":1401.005,"end":1401.165,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.5220744013786316},{"word":"avenue","start":1401.165,"end":1401.645,"confidence":0.9921875,"punctuated_word":"avenue","sentiment":"positive","sentiment_score":0.5363649725914001},{"word":"which","start":1401.645,"end":1401.885,"confidence":0.8613281,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5479638576507568},{"word":"would","start":1401.885,"end":1402.125,"confidence":0.9980469,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5125381350517273},{"word":"see","start":1402.125,"end":1402.365,"confidence":0.98828125,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.47485482692718506},{"word":"her","start":1402.365,"end":1402.605,"confidence":0.99902344,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.5213049054145813},{"word":"basically","start":1402.605,"end":1403.105,"confidence":0.8925781,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.5569197535514832},{"word":"grow","start":1403.245,"end":1403.5651,"confidence":0.9941406,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.6604381203651428},{"word":"her","start":1403.5651,"end":1403.725,"confidence":1.0,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.5846731066703796},{"word":"account","start":1403.725,"end":1404.2051,"confidence":1.0,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.621031641960144},{"word":"by","start":1404.2051,"end":1404.7051,"confidence":1.0,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.5646612644195557},{"word":"$4.5","start":1405.0851,"end":1406.045,"confidence":0.99694824,"punctuated_word":"$4.5","sentiment":"positive","sentiment_score":0.5393838882446289},{"word":"a","start":1406.045,"end":1406.2051,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5741477012634277},{"word":"year","start":1406.2051,"end":1406.7051,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.5003554821014404},{"word":"in","start":1406.8451,"end":1407.165,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5359815955162048},{"word":"contributions","start":1407.165,"end":1407.665,"confidence":0.85009766,"punctuated_word":"contributions,","sentiment":"positive","sentiment_score":0.3975669741630554},{"word":"and","start":1409.22,"end":1409.54,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4502318501472473},{"word":"you","start":1409.54,"end":1410.04,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5449681282043457},{"word":"get","start":1410.9,"end":1411.22,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5825479030609131},{"word":"that","start":1411.22,"end":1411.46,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5864309668540955},{"word":"cute","start":1411.46,"end":1411.7,"confidence":0.99902344,"punctuated_word":"cute","sentiment":"positive","sentiment_score":0.6330313086509705},{"word":"little","start":1411.7,"end":1412.02,"confidence":0.98291016,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.632082998752594},{"word":"tax","start":1412.02,"end":1412.26,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.6758800745010376},{"word":"rebate","start":1412.26,"end":1412.76,"confidence":1.0,"punctuated_word":"rebate","sentiment":"positive","sentiment_score":0.587526261806488},{"word":"on","start":1413.06,"end":1413.22,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5658959746360779},{"word":"your","start":1413.22,"end":1413.72,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.54102623462677},{"word":"income","start":1414.26,"end":1414.76,"confidence":0.84765625,"punctuated_word":"income,","sentiment":"positive","sentiment_score":0.4841664135456085},{"word":"drop","start":1415.14,"end":1415.38,"confidence":0.94970703,"punctuated_word":"drop","sentiment":"positive","sentiment_score":0.3836953341960907},{"word":"down","start":1415.38,"end":1415.62,"confidence":0.99609375,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.34991583228111267},{"word":"the","start":1415.62,"end":1415.78,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30962762236595154},{"word":"tax","start":1415.78,"end":1416.28,"confidence":0.81884766,"punctuated_word":"tax.","sentiment":"positive","sentiment_score":0.3503013253211975},{"word":"super","start":1417.22,"end":1417.46,"confidence":0.9013672,"punctuated_word":"Super","sentiment":"positive","sentiment_score":0.5726556181907654},{"word":"her","start":1417.62,"end":1417.78,"confidence":0.98095703,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.518136203289032},{"word":"super","start":1417.78,"end":1418.02,"confidence":0.76953125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5821098685264587},{"word":"fund","start":1418.02,"end":1418.26,"confidence":0.59033203,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.5967388153076172},{"word":"pays","start":1418.26,"end":1418.58,"confidence":0.99609375,"punctuated_word":"pays","sentiment":"positive","sentiment_score":0.4664865732192993},{"word":"no","start":1418.58,"end":1418.8201,"confidence":0.99902344,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.42188504338264465},{"word":"tax","start":1418.8201,"end":1419.14,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4384288787841797},{"word":"on","start":1419.14,"end":1419.3,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5013840794563293},{"word":"that","start":1419.3,"end":1419.46,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4653278589248657},{"word":"amount","start":1419.46,"end":1419.96,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.4338662624359131},{"word":"because","start":1420.58,"end":1420.9,"confidence":0.84814453,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.434181272983551},{"word":"of","start":1420.9,"end":1421.22,"confidence":0.9951172,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4613892138004303},{"word":"the","start":1421.22,"end":1421.46,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5098512172698975},{"word":"avenue","start":1421.46,"end":1421.86,"confidence":0.9819336,"punctuated_word":"avenue","sentiment":"positive","sentiment_score":0.5066563487052917},{"word":"that","start":1421.86,"end":1422.34,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5727211236953735},{"word":"it","start":1422.34,"end":1422.84,"confidence":0.96533203,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5346333384513855},{"word":"contributed","start":1422.9,"end":1423.4,"confidence":0.49902344,"punctuated_word":"contributed,","sentiment":"positive","sentiment_score":0.5134623050689697},{"word":"and","start":1425.465,"end":1425.965,"confidence":0.98828125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5476688146591187},{"word":"it's","start":1426.905,"end":1427.225,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6315326690673828},{"word":"a","start":1427.225,"end":1427.305,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6421419978141785},{"word":"way","start":1427.305,"end":1427.465,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.641450822353363},{"word":"to","start":1427.465,"end":1427.625,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6269254088401794},{"word":"kinda","start":1427.625,"end":1427.865,"confidence":0.7573242,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.6463414430618286},{"word":"grow","start":1427.865,"end":1428.105,"confidence":0.9951172,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.6444880366325378},{"word":"the","start":1428.105,"end":1428.265,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6408522129058838},{"word":"account","start":1428.265,"end":1428.5851,"confidence":1.0,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.6223026514053345},{"word":"that","start":1428.5851,"end":1428.745,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6381454467773438},{"word":"way","start":1428.745,"end":1429.245,"confidence":1.0,"punctuated_word":"way.","sentiment":"positive","sentiment_score":0.5099062323570251},{"word":"it","start":1429.305,"end":1429.545,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1962774395942688},{"word":"obviously","start":1429.545,"end":1429.9451,"confidence":0.97802734,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.11837464570999146},{"word":"affects","start":1429.9451,"end":1430.265,"confidence":0.99121094,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":0.22868052124977112},{"word":"cash","start":1430.265,"end":1430.505,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.2324950098991394},{"word":"flow","start":1430.505,"end":1430.905,"confidence":0.9560547,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.2879844307899475},{"word":"for","start":1430.905,"end":1431.0651,"confidence":0.61376953,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24940350651741028},{"word":"the","start":1431.0651,"end":1431.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2314811199903488},{"word":"family","start":1431.225,"end":1431.545,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.31443163752555847},{"word":"and","start":1431.545,"end":1431.785,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06023208796977997},{"word":"needs","start":1431.785,"end":1431.9451,"confidence":0.9941406,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.1365944892168045},{"word":"to","start":1431.9451,"end":1432.105,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12921366095542908},{"word":"be","start":1432.105,"end":1432.185,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13632658123970032},{"word":"considered","start":1432.185,"end":1432.5851,"confidence":0.99902344,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.12103626132011414},{"word":"in","start":1432.5851,"end":1432.745,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20556166768074036},{"word":"that","start":1432.745,"end":1432.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2295772135257721},{"word":"avenue","start":1432.985,"end":1433.485,"confidence":0.9145508,"punctuated_word":"avenue,","sentiment":"neutral","sentiment_score":0.1912623792886734},{"word":"but","start":1434.025,"end":1434.345,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.20488858222961423},{"word":"that","start":1434.345,"end":1434.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2178325355052948},{"word":"is","start":1434.505,"end":1434.665,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1944354772567749},{"word":"a","start":1434.665,"end":1434.8251,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2787098288536072},{"word":"possibility","start":1434.8251,"end":1435.3251,"confidence":1.0,"punctuated_word":"possibility","sentiment":"positive","sentiment_score":0.35552510619163513},{"word":"that","start":1435.385,"end":1435.545,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3410263657569885},{"word":"we","start":1435.545,"end":1435.7051,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.33148905634880066},{"word":"could","start":1435.7051,"end":1436.025,"confidence":0.99902344,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4243209660053253},{"word":"go","start":1436.025,"end":1436.265,"confidence":0.9980469,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3851672112941742},{"word":"down","start":1436.265,"end":1436.5851,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.36979907751083374},{"word":"as","start":1436.5851,"end":1436.745,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26899680495262146},{"word":"well","start":1436.745,"end":1436.985,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.34020501375198364},{"word":"and","start":1436.985,"end":1437.145,"confidence":0.46240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29357433319091797},{"word":"we","start":1437.145,"end":1437.305,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3320796489715576},{"word":"could","start":1437.305,"end":1437.72,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.38544961810112},{"word":"look","start":1438.6,"end":1438.84,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.32163330912590027},{"word":"at","start":1438.84,"end":1438.9199,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26205289363861084},{"word":"how","start":1438.9199,"end":1439.0399,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.3206899166107178},{"word":"that","start":1439.0399,"end":1439.1599,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37070488929748535},{"word":"would","start":1439.1599,"end":1439.32,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.3278779685497284},{"word":"work","start":1439.32,"end":1439.5599,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.29945114254951477},{"word":"strategically","start":1439.5599,"end":1440.0599,"confidence":0.99902344,"punctuated_word":"strategically.","sentiment":"neutral","sentiment_score":0.22223913669586184},{"word":"yep","start":1448.6,"end":1449.1,"confidence":0.92041016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05835340544581413},{"word":"no","start":1457.335,"end":1457.835,"confidence":0.7277832,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08083569258451462},{"word":"over","start":1462.695,"end":1463.015,"confidence":0.83984375,"punctuated_word":"Over","sentiment":"neutral","sentiment_score":-0.03139534592628479},{"word":"the","start":1463.015,"end":1463.1749,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03233203664422035},{"word":"year","start":1463.1749,"end":1463.6749,"confidence":0.83740234,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.03263786435127258},{"word":"can't","start":1465.38,"end":1465.62,"confidence":0.9050293,"punctuated_word":"Can't","sentiment":"neutral","sentiment_score":-0.04139827936887741},{"word":"be","start":1465.62,"end":1465.86,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02639723569154739},{"word":"pretax","start":1465.86,"end":1466.36,"confidence":0.96809894,"punctuated_word":"pretax.","sentiment":"neutral","sentiment_score":-0.03890332952141762},{"word":"it's","start":1467.2999,"end":1467.7,"confidence":0.9885254,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.009934775531291962},{"word":"post","start":1467.7,"end":1468.0199,"confidence":0.99902344,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.0068518295884132385},{"word":"tax","start":1468.0199,"end":1468.26,"confidence":0.9135742,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.023042231798171997},{"word":"money","start":1468.26,"end":1468.76,"confidence":0.99853516,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.02699870243668556},{"word":"you","start":1469.0599,"end":1469.5599,"confidence":0.98291016,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0896453708410263},{"word":"there's","start":1471.1399,"end":1471.62,"confidence":0.9223633,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.15033426880836487},{"word":"there's","start":1471.62,"end":1471.94,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1875939220190048},{"word":"a","start":1471.94,"end":1472.0199,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19142335653305056},{"word":"couple","start":1472.0199,"end":1472.26,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1647985875606537},{"word":"of","start":1472.26,"end":1472.34,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17247454822063446},{"word":"ways","start":1472.34,"end":1472.58,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.1704469472169876},{"word":"that","start":1472.58,"end":1472.74,"confidence":0.5288086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2511787414550781},{"word":"we","start":1472.74,"end":1472.82,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.260736346244812},{"word":"can","start":1472.82,"end":1473.0599,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2681914269924164},{"word":"set","start":1473.0599,"end":1473.22,"confidence":1.0,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.22248458862304688},{"word":"it","start":1473.22,"end":1473.38,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24973958730697632},{"word":"up","start":1473.38,"end":1473.88,"confidence":0.9995117,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.19633018970489505},{"word":"we","start":1473.94,"end":1474.1,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.20858028531074524},{"word":"could","start":1474.1,"end":1474.26,"confidence":0.9760742,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2418600618839264},{"word":"basically","start":1474.26,"end":1474.74,"confidence":0.9716797,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2060227245092392},{"word":"have","start":1474.74,"end":1474.98,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24438555538654327},{"word":"her","start":1474.98,"end":1475.1399,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.21167036890983584},{"word":"account","start":1475.1399,"end":1475.6399,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.23585814237594604},{"word":"just","start":1475.7,"end":1476.2,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1851673424243927},{"word":"auto","start":1476.82,"end":1477.32,"confidence":0.95947266,"punctuated_word":"auto","sentiment":"neutral","sentiment_score":0.231463685631752},{"word":"deduct","start":1477.38,"end":1477.815,"confidence":0.9980469,"punctuated_word":"deduct","sentiment":"neutral","sentiment_score":0.13311493396759033},{"word":"from","start":1477.975,"end":1478.475,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11691761016845705},{"word":"a","start":1479.6549,"end":1479.815,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11869988590478896},{"word":"bank","start":1479.815,"end":1480.0549,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.10322779417037964},{"word":"account","start":1480.0549,"end":1480.5549,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.08780831098556519},{"word":"each","start":1481.4149,"end":1481.9149,"confidence":0.8339844,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.1409449279308319},{"word":"week","start":1482.5349,"end":1482.7749,"confidence":0.9733887,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.17079201340675354},{"word":"fortnight","start":1482.7749,"end":1483.1749,"confidence":0.79907227,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.16523870825767517},{"word":"and","start":1483.1749,"end":1483.2549,"confidence":0.8720703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2028781622648239},{"word":"a","start":1483.2549,"end":1483.335,"confidence":0.8569336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18989437818527224},{"word":"month","start":1483.335,"end":1483.575,"confidence":0.9753418,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.18122781813144684},{"word":"whatever","start":1483.575,"end":1483.815,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.1475698947906494},{"word":"cycle","start":1483.815,"end":1484.1349,"confidence":1.0,"punctuated_word":"cycle","sentiment":"neutral","sentiment_score":0.1431921422481537},{"word":"you","start":1484.1349,"end":1484.2949,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17998912930488586},{"word":"wanna","start":1484.2949,"end":1484.5349,"confidence":0.9667969,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19570645689964297},{"word":"do","start":1484.5349,"end":1484.615,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18990981578826904},{"word":"it","start":1484.615,"end":1484.7749,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2073937952518463},{"word":"on","start":1484.7749,"end":1485.2749,"confidence":0.7692871,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.194974884390831},{"word":"and","start":1485.975,"end":1486.2949,"confidence":0.83203125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.163870707154274},{"word":"pay","start":1486.2949,"end":1486.455,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.17867422103881836},{"word":"it","start":1486.455,"end":1486.615,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23298223316669464},{"word":"that","start":1486.615,"end":1486.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22686824202537537},{"word":"way","start":1486.855,"end":1487.355,"confidence":0.98657227,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.1538043916225433},{"word":"i'd","start":1487.8949,"end":1488.1349,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.1018807291984558},{"word":"have","start":1488.1349,"end":1488.375,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0984947234392166},{"word":"to","start":1488.375,"end":1488.455,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07888834923505783},{"word":"look","start":1488.455,"end":1488.695,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04758717119693756},{"word":"at","start":1488.695,"end":1488.7749,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022425159811973572},{"word":"the","start":1488.7749,"end":1489.0149,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04413509368896485},{"word":"spousal","start":1489.0149,"end":1489.495,"confidence":0.9983724,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":0.02892502024769783},{"word":"contribution","start":1489.495,"end":1489.975,"confidence":0.96972656,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.01771394908428192},{"word":"because","start":1489.975,"end":1490.375,"confidence":0.6425781,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.027368992567062374},{"word":"these","start":1490.375,"end":1490.5349,"confidence":0.9970703,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0284116268157959},{"word":"are","start":1490.5349,"end":1490.695,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.016907572746276855},{"word":"two","start":1490.695,"end":1490.82,"confidence":0.9160156,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.025575608015060425},{"word":"two","start":1490.98,"end":1491.0599,"confidence":0.95166016,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.006116654723882675},{"word":"different","start":1491.0599,"end":1491.2999,"confidence":0.9951172,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.010869108140468596},{"word":"contribution","start":1491.2999,"end":1491.7,"confidence":0.99121094,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.012665659189224243},{"word":"types","start":1491.7,"end":1492.0199,"confidence":0.9165039,"punctuated_word":"types.","sentiment":"neutral","sentiment_score":0.029731178656220436},{"word":"they","start":1492.0199,"end":1492.1799,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.02528589963912964},{"word":"have","start":1492.1799,"end":1492.34,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02551807463169098},{"word":"to","start":1492.34,"end":1492.4199,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033856503665447235},{"word":"be","start":1492.4199,"end":1492.9199,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.021184127777814865},{"word":"they","start":1493.38,"end":1493.62,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.008311457931995392},{"word":"have","start":1493.62,"end":1493.7799,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01460336148738861},{"word":"to","start":1493.7799,"end":1493.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016218744218349457},{"word":"be","start":1493.94,"end":1494.1799,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0191454216837883},{"word":"paid","start":1494.1799,"end":1494.58,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.009331822395324709},{"word":"in","start":1494.58,"end":1495.08,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010379992425441742},{"word":"under","start":1495.94,"end":1496.1799,"confidence":0.7026367,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.02877897396683693},{"word":"different","start":1496.1799,"end":1496.6599,"confidence":0.9838867,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0019425079226493835},{"word":"reference","start":1496.6599,"end":1497.1599,"confidence":0.98828125,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":-0.008481577038764954},{"word":"codes","start":1497.22,"end":1497.72,"confidence":0.72436523,"punctuated_word":"codes.","sentiment":"neutral","sentiment_score":0.012535039335489271},{"word":"so","start":1498.58,"end":1499.08,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.061854079365730286},{"word":"it","start":1499.1399,"end":1499.38,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0958440750837326},{"word":"does","start":1499.38,"end":1499.62,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0927247628569603},{"word":"like","start":1501.1399,"end":1501.46,"confidence":0.8925781,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08267410099506378},{"word":"it","start":1501.46,"end":1501.7799,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10074713081121443},{"word":"it","start":1501.7799,"end":1501.86,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.060837358236312866},{"word":"it","start":1501.86,"end":1501.94,"confidence":0.6489258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.058666713535785675},{"word":"matters","start":1501.94,"end":1502.2599,"confidence":0.9941406,"punctuated_word":"matters","sentiment":"neutral","sentiment_score":0.02508088201284409},{"word":"how","start":1502.2599,"end":1502.4199,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02809092402458191},{"word":"they","start":1502.4199,"end":1502.58,"confidence":0.9658203,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.014374174177646635},{"word":"the","start":1502.74,"end":1502.8999,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0023878738284111023},{"word":"money","start":1502.8999,"end":1503.22,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.007858671247959137},{"word":"lands","start":1503.22,"end":1503.5399,"confidence":0.80981445,"punctuated_word":"lands,","sentiment":"neutral","sentiment_score":0.007675792090594768},{"word":"really","start":1503.5399,"end":1504.0399,"confidence":0.9641113,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.02724700048565865},{"word":"but","start":1504.975,"end":1505.375,"confidence":0.9760742,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08466559648513794},{"word":"i","start":1505.375,"end":1505.875,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08438557386398315},{"word":"i","start":1505.9349,"end":1506.015,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10690145194530488},{"word":"can","start":1506.015,"end":1506.255,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10345709323883057},{"word":"investigate","start":1506.255,"end":1506.735,"confidence":0.9980469,"punctuated_word":"investigate","sentiment":"neutral","sentiment_score":0.05629254877567291},{"word":"the","start":1506.735,"end":1507.0549,"confidence":0.8730469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06884630024433136},{"word":"the","start":1507.0549,"end":1507.215,"confidence":0.48583984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06185174733400345},{"word":"specifics","start":1507.215,"end":1507.695,"confidence":0.93408203,"punctuated_word":"specifics","sentiment":"neutral","sentiment_score":0.07573142647743225},{"word":"of","start":1507.695,"end":1507.775,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10923494398593904},{"word":"whether","start":1507.775,"end":1508.095,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06766021996736526},{"word":"i","start":1508.095,"end":1508.255,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0976402312517166},{"word":"can","start":1508.255,"end":1508.4149,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0908590406179428},{"word":"get","start":1508.4149,"end":1508.575,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05263441056013107},{"word":"that","start":1508.575,"end":1508.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045903243124485016},{"word":"basically","start":1508.815,"end":1509.215,"confidence":0.75927734,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.030489042401313785},{"word":"withdrawn","start":1509.215,"end":1509.695,"confidence":0.6557617,"punctuated_word":"withdrawn","sentiment":"neutral","sentiment_score":0.08328678458929062},{"word":"from","start":1509.695,"end":1509.775,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0050760358572006226},{"word":"your","start":1509.775,"end":1509.9349,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09118400514125824},{"word":"account","start":1509.9349,"end":1510.4149,"confidence":0.9980469,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.06240060180425644},{"word":"the","start":1510.4149,"end":1510.575,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11979280412197112},{"word":"other","start":1510.575,"end":1510.735,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.11799953132867812},{"word":"avenue","start":1510.735,"end":1511.0549,"confidence":0.9951172,"punctuated_word":"avenue","sentiment":"neutral","sentiment_score":0.1282382607460022},{"word":"is","start":1511.0549,"end":1511.375,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15775910019874573},{"word":"you","start":1511.375,"end":1511.455,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19505929946899417},{"word":"just","start":1511.455,"end":1511.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19110530614852905},{"word":"set","start":1511.695,"end":1511.855,"confidence":0.99121094,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.23906023800373075},{"word":"up","start":1511.855,"end":1512.015,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.25835853815078735},{"word":"a","start":1512.015,"end":1512.1749,"confidence":0.7265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27313685417175293},{"word":"automatic","start":1512.1749,"end":1512.655,"confidence":0.99902344,"punctuated_word":"automatic","sentiment":"neutral","sentiment_score":0.1887072920799255},{"word":"transfer","start":1512.655,"end":1513.135,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.12808853387832642},{"word":"from","start":1513.135,"end":1513.2949,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12287663668394087},{"word":"your","start":1513.2949,"end":1513.455,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12034161388874054},{"word":"bank","start":1513.455,"end":1513.695,"confidence":0.9980469,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.13587795197963717},{"word":"account","start":1513.695,"end":1514.195,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.0909460186958313},{"word":"over","start":1514.815,"end":1515.135,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.16116610169410706},{"word":"to","start":1515.135,"end":1515.635,"confidence":0.98706055,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.11379357427358627},{"word":"like","start":1516.1749,"end":1516.4149,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13952094316482544},{"word":"the","start":1516.4149,"end":1516.575,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13894125819206238},{"word":"hub","start":1516.575,"end":1516.895,"confidence":0.5366211,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1234314739704132},{"word":"pay","start":1516.895,"end":1517.2949,"confidence":0.23791504,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1055505871772766},{"word":"for","start":1517.2949,"end":1517.55,"confidence":0.7734375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09268206357955933},{"word":"bank","start":1517.87,"end":1518.03,"confidence":0.98095703,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.11775264143943788},{"word":"account","start":1518.03,"end":1518.27,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.09881700575351716},{"word":"or","start":1518.27,"end":1518.51,"confidence":0.9589844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1741403490304947},{"word":"whatever","start":1518.51,"end":1518.91,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.13484443724155426},{"word":"super","start":1518.91,"end":1519.2301,"confidence":0.6489258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16193188726902008},{"word":"fund","start":1519.2301,"end":1519.4701,"confidence":0.7927246,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.16003474593162537},{"word":"like","start":1519.4701,"end":1519.9701,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.193294957280159},{"word":"we","start":1520.3501,"end":1520.51,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18903671205043793},{"word":"go","start":1520.51,"end":1520.67,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16571331024169922},{"word":"with","start":1520.67,"end":1521.17,"confidence":0.9655762,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.13473832607269287},{"word":"i","start":1552.18,"end":1552.3401,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0541488379240036},{"word":"mean","start":1552.3401,"end":1552.8201,"confidence":0.99072266,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.07243075966835022},{"word":"it's","start":1552.8201,"end":1553.06,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11355381458997726},{"word":"an","start":1553.06,"end":1553.2201,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05742153525352478},{"word":"intriguing","start":1553.2201,"end":1553.7201,"confidence":1.0,"punctuated_word":"intriguing","sentiment":"neutral","sentiment_score":-0.10007721185684204},{"word":"thought","start":1554.02,"end":1554.42,"confidence":0.9921875,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.21370796859264377},{"word":"process","start":1554.42,"end":1554.92,"confidence":0.99902344,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":-0.10903716832399368},{"word":"i","start":1556.435,"end":1556.8351,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01381714642047882},{"word":"i'm","start":1559.475,"end":1559.635,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03984491527080536},{"word":"gonna","start":1559.635,"end":1559.795,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06918610632419586},{"word":"be","start":1559.795,"end":1559.9551,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.040433987975120544},{"word":"honest","start":1559.9551,"end":1560.275,"confidence":0.77197266,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.03361450508236885},{"word":"been","start":1560.275,"end":1560.435,"confidence":0.9350586,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02657458186149597},{"word":"in","start":1560.435,"end":1560.515,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03663837909698486},{"word":"the","start":1560.515,"end":1560.675,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04192158579826355},{"word":"decades","start":1560.675,"end":1561.155,"confidence":0.7753906,"punctuated_word":"decades","sentiment":"neutral","sentiment_score":0.026254475116729736},{"word":"been","start":1561.3151,"end":1561.555,"confidence":0.77441406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.029671549797058105},{"word":"in","start":1561.555,"end":1561.635,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03248977288603783},{"word":"the","start":1561.635,"end":1561.795,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04685808718204498},{"word":"industry","start":1561.795,"end":1562.115,"confidence":1.0,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.02543926239013672},{"word":"for","start":1562.115,"end":1562.355,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.016413044184446335},{"word":"over","start":1562.355,"end":1562.595,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.01609865576028824},{"word":"a","start":1562.595,"end":1562.675,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020243972539901733},{"word":"decade","start":1562.675,"end":1563.0751,"confidence":0.7529297,"punctuated_word":"decade,","sentiment":"neutral","sentiment_score":0.01590881496667862},{"word":"haven't","start":1563.0751,"end":1563.3151,"confidence":0.9885254,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.014167810790240765},{"word":"had","start":1563.3151,"end":1563.475,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.014224573969841003},{"word":"that","start":1563.475,"end":1563.635,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07985000312328339},{"word":"one","start":1563.635,"end":1563.875,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.035330042243003845},{"word":"posed","start":1563.875,"end":1564.115,"confidence":0.40966797,"punctuated_word":"posed","sentiment":"neutral","sentiment_score":-0.0035546980798244476},{"word":"to","start":1564.115,"end":1564.275,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0034428462386131287},{"word":"me","start":1564.275,"end":1564.515,"confidence":0.7844238,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.0378987193107605},{"word":"but","start":1564.515,"end":1565.015,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.026440799236297607},{"word":"let","start":1565.3151,"end":1565.555,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08756167441606522},{"word":"me","start":1565.555,"end":1565.7151,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17236101627349854},{"word":"have","start":1565.7151,"end":1565.875,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16346503794193268},{"word":"a","start":1565.875,"end":1565.9551,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17441889643669128},{"word":"look","start":1565.9551,"end":1566.115,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11589300632476808},{"word":"into","start":1566.115,"end":1566.355,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15296661853790283},{"word":"it","start":1566.355,"end":1566.515,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10268621891736984},{"word":"and","start":1566.515,"end":1566.675,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16620522737503052},{"word":"see","start":1566.675,"end":1566.8351,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16087773442268372},{"word":"whether","start":1566.8351,"end":1567.0751,"confidence":0.84472656,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.19306573271751404},{"word":"it's","start":1567.0751,"end":1567.3151,"confidence":0.9699707,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20565035939216617},{"word":"actually","start":1567.3151,"end":1567.635,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2434622049331665},{"word":"a","start":1567.635,"end":1567.7151,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2086346596479416},{"word":"possibility","start":1567.7151,"end":1568.2151,"confidence":0.7651367,"punctuated_word":"possibility.","sentiment":"neutral","sentiment_score":0.17872706055641174},{"word":"because","start":1570.08,"end":1570.58,"confidence":0.95410156,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.07507096230983734},{"word":"because","start":1572.5599,"end":1572.88,"confidence":0.78100586,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.08669377863407135},{"word":"like","start":1572.88,"end":1573.2,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13017477095127106},{"word":"your","start":1573.2,"end":1573.5199,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11059115827083588},{"word":"employer","start":1573.5199,"end":1573.84,"confidence":1.0,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.03453001379966736},{"word":"would","start":1573.84,"end":1574.0,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07932418584823608},{"word":"have","start":1574.0,"end":1574.32,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07111310213804245},{"word":"an","start":1574.32,"end":1574.48,"confidence":0.7817383,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07540855556726456},{"word":"an","start":1574.48,"end":1574.64,"confidence":0.67822266,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.017800651490688324},{"word":"has","start":1574.72,"end":1574.88,"confidence":0.99316406,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.024252384901046753},{"word":"an","start":1574.88,"end":1575.0399,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04444804787635803},{"word":"obligation","start":1575.0399,"end":1575.44,"confidence":1.0,"punctuated_word":"obligation","sentiment":"neutral","sentiment_score":0.043598853051662445},{"word":"to","start":1575.44,"end":1575.6,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04155974090099335},{"word":"ensure","start":1575.6,"end":1575.84,"confidence":0.99902344,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.04031812399625778},{"word":"that","start":1575.84,"end":1576.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03301075100898743},{"word":"they","start":1576.08,"end":1576.24,"confidence":0.9902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.021070390939712524},{"word":"pay","start":1576.24,"end":1576.48,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.033522605895996094},{"word":"your","start":1576.48,"end":1576.98,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.033078692853450775},{"word":"sg","start":1577.12,"end":1577.62,"confidence":0.5822754,"punctuated_word":"SG.","sentiment":"neutral","sentiment_score":0.06266152858734131},{"word":"so","start":1577.84,"end":1578.08,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09355386346578598},{"word":"your","start":1578.08,"end":1578.3999,"confidence":0.7602539,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10174326598644257},{"word":"super","start":1578.3999,"end":1578.64,"confidence":0.93115234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1310548186302185},{"word":"like","start":1578.7999,"end":1578.96,"confidence":0.9560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10824386775493622},{"word":"your","start":1578.96,"end":1579.2,"confidence":0.9741211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1528516411781311},{"word":"super","start":1579.2,"end":1579.44,"confidence":0.89990234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1776277720928192},{"word":"guarantee","start":1579.44,"end":1579.76,"confidence":0.5957031,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":0.1385447382926941},{"word":"contributions","start":1579.76,"end":1580.26,"confidence":0.9472656,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.09212962538003922},{"word":"they","start":1580.96,"end":1581.12,"confidence":0.99902344,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.09746093302965164},{"word":"have","start":1581.12,"end":1581.2799,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07947147637605667},{"word":"to","start":1581.2799,"end":1581.44,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06995408236980438},{"word":"make","start":1581.44,"end":1581.6,"confidence":0.6699219,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08494725823402405},{"word":"sure","start":1581.6,"end":1581.76,"confidence":0.9951172,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07926923036575317},{"word":"that","start":1581.76,"end":1581.9199,"confidence":0.9165039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10792704671621324},{"word":"they","start":1581.9199,"end":1582.08,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0478544682264328},{"word":"meet","start":1582.08,"end":1582.32,"confidence":0.96435547,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.0785728245973587},{"word":"their","start":1582.32,"end":1582.64,"confidence":0.9223633,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.022602684795856476},{"word":"their","start":1582.64,"end":1583.055,"confidence":0.9941406,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.025186747312545776},{"word":"legislative","start":1583.295,"end":1583.6951,"confidence":0.9980469,"punctuated_word":"legislative","sentiment":"neutral","sentiment_score":0.04223760962486267},{"word":"obligation","start":1583.6951,"end":1584.1951,"confidence":0.98706055,"punctuated_word":"obligation.","sentiment":"neutral","sentiment_score":-0.018326804041862488},{"word":"anything","start":1585.135,"end":1585.6151,"confidence":0.9921875,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":-0.007807493209838867},{"word":"on","start":1585.6151,"end":1585.8551,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.019044863060116768},{"word":"top","start":1585.8551,"end":1586.0951,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.011765804141759872},{"word":"of","start":1586.0951,"end":1586.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014278024435043337},{"word":"that","start":1586.255,"end":1586.755,"confidence":0.71777344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.0048067159950733185},{"word":"yeah","start":1588.015,"end":1588.515,"confidence":0.56469727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030197210609912872},{"word":"yes","start":1599.92,"end":1600.24,"confidence":0.87402344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07600964605808258},{"word":"yeah","start":1600.24,"end":1600.56,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07056041061878204},{"word":"but","start":1600.56,"end":1601.06,"confidence":0.60009766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03358737379312515},{"word":"think","start":1601.36,"end":1601.68,"confidence":0.9589844,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0017871782183647156},{"word":"about","start":1601.68,"end":1602.0,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.012660026550292969},{"word":"it","start":1602.0,"end":1602.08,"confidence":0.9321289,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.034691374748945236},{"word":"like","start":1602.08,"end":1602.32,"confidence":0.9616699,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.036355528980493546},{"word":"the","start":1602.32,"end":1602.3999,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029988877475261688},{"word":"you","start":1602.48,"end":1602.72,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02117248624563217},{"word":"were","start":1602.72,"end":1602.88,"confidence":0.5,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.028406821191310883},{"word":"in","start":1602.88,"end":1603.04,"confidence":0.88183594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.020983166992664337},{"word":"a","start":1603.04,"end":1603.12,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04089585691690445},{"word":"100","start":1603.12,"end":1603.44,"confidence":0.9970703,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.05606663227081299},{"word":"i","start":1603.68,"end":1603.92,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012682385742664335},{"word":"i","start":1603.92,"end":1604.16,"confidence":0.46289062,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026212617754936215},{"word":"i'm","start":1604.24,"end":1604.32,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02648211643099785},{"word":"gonna","start":1604.32,"end":1604.64,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02523361518979073},{"word":"double","start":1604.64,"end":1604.88,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.0015504807233810425},{"word":"check","start":1604.88,"end":1605.28,"confidence":0.9980469,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.0038330592215061183},{"word":"your","start":1605.28,"end":1605.52,"confidence":0.86572266,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.015059366822242737},{"word":"$175","start":1605.52,"end":1606.8,"confidence":0.9105835,"punctuated_word":"$175","sentiment":"neutral","sentiment_score":0.037145476788282394},{"word":"income","start":1606.8,"end":1607.3,"confidence":0.9758301,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.005551241338253021},{"word":"is","start":1607.68,"end":1607.92,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04897748678922653},{"word":"that","start":1607.92,"end":1608.315,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008871860802173615},{"word":"your","start":1608.875,"end":1609.375,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02730080857872963},{"word":"base","start":1609.4349,"end":1609.7549,"confidence":0.9970703,"punctuated_word":"base","sentiment":"neutral","sentiment_score":-0.01735483855009079},{"word":"salary","start":1609.7549,"end":1610.2549,"confidence":0.99609375,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.012057848274707794},{"word":"super","start":1610.315,"end":1610.715,"confidence":0.71777344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.012812115252017977},{"word":"on","start":1610.715,"end":1610.875,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01118755340576172},{"word":"top","start":1610.875,"end":1611.195,"confidence":0.810791,"punctuated_word":"top,","sentiment":"neutral","sentiment_score":-0.007579434663057327},{"word":"or","start":1611.195,"end":1611.355,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04556334763765335},{"word":"is","start":1611.355,"end":1611.4349,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03760654479265213},{"word":"that","start":1611.4349,"end":1611.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0026213601231575012},{"word":"inclusive","start":1611.595,"end":1612.095,"confidence":1.0,"punctuated_word":"inclusive?","sentiment":"neutral","sentiment_score":-0.035969462245702744},{"word":"so","start":1617.6749,"end":1617.9149,"confidence":0.88183594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.020194098353385925},{"word":"the","start":1617.9149,"end":1618.1549,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05171872675418854},{"word":"12.5","start":1618.1549,"end":1618.955,"confidence":0.9987793,"punctuated_word":"12.5","sentiment":"neutral","sentiment_score":0.015606723725795746},{"word":"that","start":1618.955,"end":1619.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07210204750299454},{"word":"you","start":1619.115,"end":1619.4349,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027624070644378666},{"word":"get","start":1619.4349,"end":1619.6749,"confidence":0.9140625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03157360851764679},{"word":"paid","start":1619.6749,"end":1619.995,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.0000976771116256714},{"word":"on","start":1619.995,"end":1620.1549,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009682521224021912},{"word":"top","start":1620.1549,"end":1620.3949,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.0822875052690506},{"word":"of","start":1620.3949,"end":1620.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023034989833831787},{"word":"that","start":1620.475,"end":1620.715,"confidence":0.99316406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04304978623986244},{"word":"that's","start":1620.715,"end":1621.215,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.028369685634970665},{"word":"$218.75","start":1621.2749,"end":1623.375,"confidence":0.99780273,"punctuated_word":"$218.75.","sentiment":"neutral","sentiment_score":-0.002889195224270225},{"word":"so","start":1623.7999,"end":1624.2,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00033223628997802734},{"word":"from","start":1624.2,"end":1624.7,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.043030381202697754},{"word":"that","start":1625.48,"end":1625.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08474988490343094},{"word":"money","start":1625.72,"end":1626.04,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.058767169713974},{"word":"goes","start":1626.04,"end":1626.28,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.1273350715637207},{"word":"into","start":1626.28,"end":1626.52,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14537225663661957},{"word":"your","start":1626.52,"end":1626.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08727887272834778},{"word":"super","start":1626.76,"end":1627.26,"confidence":0.98413086,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.13497397303581238},{"word":"you","start":1627.72,"end":1627.96,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08317216485738754},{"word":"actually","start":1627.96,"end":1628.46,"confidence":0.9902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1211426854133606},{"word":"can","start":1628.52,"end":1629.02,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17699027061462402},{"word":"split","start":1629.08,"end":1629.48,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.1239285096526146},{"word":"that","start":1629.48,"end":1629.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15769608318805697},{"word":"amount","start":1629.72,"end":1630.04,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.07504905015230179},{"word":"of","start":1630.04,"end":1630.12,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16170956194400787},{"word":"money","start":1630.12,"end":1630.44,"confidence":0.76538086,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.11226710677146912},{"word":"and","start":1630.44,"end":1630.6799,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1638612449169159},{"word":"it","start":1630.6799,"end":1630.9199,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.111752487719059},{"word":"gets","start":1630.9199,"end":1631.16,"confidence":1.0,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.10123847424983978},{"word":"paid","start":1631.16,"end":1631.4,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.09778591990470886},{"word":"into","start":1631.4,"end":1631.72,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13902929425239563},{"word":"you","start":1632.12,"end":1632.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1394091248512268},{"word":"can","start":1632.28,"end":1632.52,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15077736973762512},{"word":"actually","start":1632.52,"end":1632.84,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11814462393522264},{"word":"transfer","start":1632.84,"end":1633.32,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.10585151612758636},{"word":"that","start":1633.32,"end":1633.5599,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06092502176761627},{"word":"into","start":1633.5599,"end":1634.0599,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0768795907497406},{"word":"your","start":1634.28,"end":1634.52,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0348861962556839},{"word":"wife's","start":1634.52,"end":1634.9199,"confidence":0.97875977,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":0.051580965518951416},{"word":"super","start":1634.9199,"end":1635.4199,"confidence":0.7980957,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.09680783003568648},{"word":"but","start":1636.12,"end":1636.62,"confidence":0.80322266,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02747037261724472},{"word":"it","start":1637.145,"end":1637.385,"confidence":0.36572266,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.029370173811912537},{"word":"happens","start":1637.385,"end":1637.885,"confidence":0.4951172,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.036772698163986206},{"word":"after","start":1637.9451,"end":1638.185,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.037047989666461945},{"word":"the","start":1638.185,"end":1638.3451,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02291777729988098},{"word":"money's","start":1638.3451,"end":1638.5851,"confidence":0.7939453,"punctuated_word":"money's","sentiment":"neutral","sentiment_score":0.007797956466674805},{"word":"landed","start":1638.5851,"end":1638.8251,"confidence":0.98535156,"punctuated_word":"landed","sentiment":"neutral","sentiment_score":0.01618071272969246},{"word":"in","start":1638.8251,"end":1638.985,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0018016695976257324},{"word":"your","start":1638.985,"end":1639.145,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008247852325439453},{"word":"account","start":1639.145,"end":1639.645,"confidence":0.9719238,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.015000205487012863},{"word":"it's","start":1639.865,"end":1640.105,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03583594039082527},{"word":"called","start":1640.105,"end":1640.505,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.02102804183959961},{"word":"spousal","start":1640.505,"end":1641.005,"confidence":0.9973958,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":0.029814304783940315},{"word":"splitting","start":1641.0651,"end":1641.5651,"confidence":0.7644043,"punctuated_word":"splitting,","sentiment":"neutral","sentiment_score":0.0021190717816352844},{"word":"and","start":1642.265,"end":1642.505,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018781602382659912},{"word":"up","start":1642.505,"end":1642.745,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.057659462094306946},{"word":"to","start":1642.745,"end":1642.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046459048986434937},{"word":"70","start":1642.905,"end":1643.2251,"confidence":0.9921875,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.07287583500146866},{"word":"up","start":1643.4651,"end":1643.625,"confidence":0.94189453,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09839549660682678},{"word":"to","start":1643.625,"end":1643.785,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0782860592007637},{"word":"85","start":1643.785,"end":1644.425,"confidence":0.99934894,"punctuated_word":"85","sentiment":"neutral","sentiment_score":0.10943825542926788},{"word":"of","start":1644.425,"end":1644.5851,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05533858388662338},{"word":"the","start":1644.5851,"end":1644.8251,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05251865088939667},{"word":"contributions","start":1644.8251,"end":1645.3251,"confidence":0.94628906,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.00477880984544754},{"word":"in","start":1645.385,"end":1645.545,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07117001712322235},{"word":"a","start":1645.545,"end":1645.625,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08298294246196747},{"word":"year","start":1645.625,"end":1645.9451,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06585444509983063},{"word":"can","start":1645.9451,"end":1646.105,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12474096566438676},{"word":"be","start":1646.105,"end":1646.265,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1198013871908188},{"word":"split","start":1646.265,"end":1646.665,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.06291729211807251},{"word":"and","start":1646.665,"end":1646.8251,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004099905490875244},{"word":"transferred","start":1646.8251,"end":1647.3251,"confidence":0.9980469,"punctuated_word":"transferred","sentiment":"neutral","sentiment_score":0.037767037749290466},{"word":"to","start":1647.4651,"end":1647.9651,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00785757601261139},{"word":"a","start":1648.025,"end":1648.265,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033020466566085815},{"word":"spouse's","start":1648.265,"end":1648.665,"confidence":0.9580078,"punctuated_word":"spouse's","sentiment":"neutral","sentiment_score":0.010836809873580933},{"word":"account","start":1648.665,"end":1649.04,"confidence":0.9916992,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.009844183921813965},{"word":"but","start":1650.8,"end":1650.9601,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07976435124874115},{"word":"i'm","start":1650.9601,"end":1651.4601,"confidence":0.7279053,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0911554917693138},{"word":"i'm","start":1651.6001,"end":1651.8401,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12207656353712082},{"word":"i'm","start":1651.8401,"end":1651.92,"confidence":0.8601074,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13948854804039},{"word":"gonna","start":1651.92,"end":1652.24,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1453515738248825},{"word":"be","start":1652.24,"end":1652.4,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10041562467813492},{"word":"pretty","start":1652.4,"end":1652.7201,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.19670362770557404},{"word":"clear","start":1652.7201,"end":1653.04,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.051265791058540344},{"word":"about","start":1653.04,"end":1653.28,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1001209318637848},{"word":"this","start":1653.28,"end":1653.78,"confidence":0.93603516,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.09553058445453644},{"word":"more","start":1654.16,"end":1654.4,"confidence":1.0,"punctuated_word":"More","sentiment":"neutral","sentiment_score":0.28284159302711487},{"word":"money","start":1654.4,"end":1654.7201,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3048773407936096},{"word":"makes","start":1654.7201,"end":1655.04,"confidence":0.99121094,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.21443094313144684},{"word":"more","start":1655.04,"end":1655.2001,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2650647759437561},{"word":"money","start":1655.2001,"end":1655.7001,"confidence":0.90185547,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.2849195897579193},{"word":"your","start":1656.0,"end":1656.4,"confidence":0.99902344,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.34082573652267456},{"word":"income","start":1656.4,"end":1656.88,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3823859095573426},{"word":"and","start":1656.88,"end":1657.12,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32301151752471924},{"word":"the","start":1657.12,"end":1657.28,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38292545080184937},{"word":"contributions","start":1657.28,"end":1657.78,"confidence":0.9707031,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2291552573442459},{"word":"going","start":1657.8401,"end":1658.0,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.40285444259643555},{"word":"into","start":1658.0,"end":1658.24,"confidence":0.9838867,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.34296488761901855},{"word":"your","start":1658.24,"end":1658.4,"confidence":0.98535156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4156852960586548},{"word":"account","start":1658.4,"end":1658.8,"confidence":0.9560547,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.32358843088150024},{"word":"your","start":1658.88,"end":1659.12,"confidence":0.6699219,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43049123883247375},{"word":"account","start":1659.12,"end":1659.62,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.293451189994812},{"word":"would","start":1659.92,"end":1660.42,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.30470728874206543},{"word":"generally","start":1660.7201,"end":1661.2201,"confidence":0.9921875,"punctuated_word":"generally","sentiment":"positive","sentiment_score":0.4037680923938751},{"word":"make","start":1661.28,"end":1661.6001,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27928611636161804},{"word":"more","start":1661.6001,"end":1661.8401,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2481062263250351},{"word":"sense","start":1661.8401,"end":1662.285,"confidence":0.9995117,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.13453331589698792},{"word":"the","start":1662.8451,"end":1663.165,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.009307168424129486},{"word":"only","start":1663.165,"end":1663.485,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.06772499531507492},{"word":"time","start":1663.485,"end":1663.805,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.08570331335067749},{"word":"that","start":1663.805,"end":1664.285,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07017338275909424},{"word":"i","start":1664.285,"end":1664.685,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06915703415870667},{"word":"generally","start":1664.685,"end":1665.165,"confidence":0.9951172,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.04674883186817169},{"word":"look","start":1665.165,"end":1665.405,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06328990310430527},{"word":"at","start":1665.405,"end":1665.645,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03960011526942253},{"word":"doing","start":1665.645,"end":1665.9651,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.04708408936858177},{"word":"spousal","start":1665.9651,"end":1666.4451,"confidence":0.98014325,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":-0.04655824974179268},{"word":"splitting","start":1666.4451,"end":1666.9451,"confidence":0.9941406,"punctuated_word":"splitting","sentiment":"neutral","sentiment_score":-0.05881405249238014},{"word":"is","start":1667.245,"end":1667.485,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.035117730498313904},{"word":"if","start":1667.485,"end":1667.645,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.040117762982845306},{"word":"i'm","start":1667.645,"end":1668.145,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06267128884792328},{"word":"very","start":1668.2051,"end":1668.7051,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.05798009783029556},{"word":"strategically","start":1668.765,"end":1669.265,"confidence":0.9951172,"punctuated_word":"strategically","sentiment":"neutral","sentiment_score":-0.08881377428770065},{"word":"trying","start":1669.725,"end":1670.045,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.05474817007780075},{"word":"to","start":1670.045,"end":1670.2051,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06867825984954834},{"word":"keep","start":1670.2051,"end":1670.4451,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.0562804602086544},{"word":"a","start":1670.4451,"end":1670.525,"confidence":0.9194336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.055312491953372955},{"word":"client's","start":1670.525,"end":1671.025,"confidence":0.8898926,"punctuated_word":"client's","sentiment":"neutral","sentiment_score":-0.08096694946289062},{"word":"account","start":1671.0851,"end":1671.5851,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.04676514118909836},{"word":"under","start":1672.125,"end":1672.4451,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.0217878557741642},{"word":"a","start":1672.4451,"end":1672.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10028325021266936},{"word":"specific","start":1672.605,"end":1673.005,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.05248698219656944},{"word":"amount","start":1673.005,"end":1673.3251,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.06909379363059998},{"word":"of","start":1673.3251,"end":1673.405,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08888895809650421},{"word":"money","start":1673.405,"end":1673.905,"confidence":0.76538086,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.06562887132167816},{"word":"and","start":1674.9801,"end":1675.3,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06225107237696648},{"word":"that's","start":1675.3,"end":1675.62,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1245691180229187},{"word":"not","start":1675.62,"end":1675.86,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13073968887329102},{"word":"gonna","start":1675.86,"end":1676.1001,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.11107830703258514},{"word":"really","start":1676.1001,"end":1676.3401,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.08725251257419586},{"word":"be","start":1676.3401,"end":1676.5801,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07700371742248535},{"word":"where","start":1676.5801,"end":1676.9801,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0445462241768837},{"word":"we're","start":1676.9801,"end":1677.38,"confidence":0.9812012,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.00897179078310728},{"word":"at","start":1677.38,"end":1677.62,"confidence":0.9394531,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.012977555394172668},{"word":"for","start":1677.62,"end":1677.78,"confidence":0.9316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014682088047266006},{"word":"this","start":1677.78,"end":1678.1001,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.023911498486995697},{"word":"kind","start":1678.1001,"end":1678.42,"confidence":0.98095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.023043494671583176},{"word":"of","start":1678.42,"end":1678.74,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027838371694087986},{"word":"avenue","start":1678.74,"end":1679.24,"confidence":0.9716797,"punctuated_word":"avenue.","sentiment":"neutral","sentiment_score":0.01685861125588417},{"word":"because","start":1687.945,"end":1688.345,"confidence":0.7524414,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0631851851940155},{"word":"$4,000","start":1688.345,"end":1688.985,"confidence":0.9621582,"punctuated_word":"$4,000","sentiment":"neutral","sentiment_score":0.07429874688386917},{"word":"did","start":1689.065,"end":1689.225,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.018263842910528183},{"word":"you","start":1689.225,"end":1689.385,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021595261991024017},{"word":"say","start":1689.385,"end":1689.465,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03974124044179917},{"word":"you","start":1689.465,"end":1689.5449,"confidence":0.96533203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034860946238040924},{"word":"get","start":1689.5449,"end":1689.7849,"confidence":0.9760742,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05540679022669792},{"word":"paid","start":1689.7849,"end":1690.0249,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.05433223024010658},{"word":"fortnightly","start":1690.0249,"end":1690.5249,"confidence":0.9980469,"punctuated_word":"fortnightly?","sentiment":"neutral","sentiment_score":0.01764172874391079},{"word":"so","start":1694.1849,"end":1694.505,"confidence":0.96875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06899596750736237},{"word":"$4,000","start":1694.505,"end":1695.3049,"confidence":0.9926758,"punctuated_word":"$4,000","sentiment":"neutral","sentiment_score":0.08969835191965103},{"word":"a","start":1695.3049,"end":1695.385,"confidence":0.8833008,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11876656115055084},{"word":"fortnight","start":1695.385,"end":1695.7849,"confidence":1.0,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.08050264418125153},{"word":"is","start":1695.7849,"end":1695.945,"confidence":0.96435547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.048705365508794785},{"word":"a","start":1695.945,"end":1696.105,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05707290768623352},{"word":"100","start":1696.105,"end":1696.345,"confidence":0.99902344,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.07061038166284561},{"word":"and","start":1696.345,"end":1696.505,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04721622169017792},{"word":"just","start":1696.825,"end":1696.985,"confidence":0.95703125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05408613383769989},{"word":"call","start":1696.985,"end":1697.225,"confidence":0.96875,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.04228484630584717},{"word":"it","start":1697.225,"end":1697.3049,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06132464110851288},{"word":"a","start":1697.3049,"end":1697.385,"confidence":0.9038086,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0654713362455368},{"word":"$154","start":1697.385,"end":1698.84,"confidence":0.9938965,"punctuated_word":"$154","sentiment":"neutral","sentiment_score":0.07848554849624634},{"word":"a","start":1699.32,"end":1699.4,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06812617927789688},{"word":"fortnight","start":1699.4,"end":1699.9,"confidence":0.75878906,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.06267428398132324},{"word":"that","start":1700.84,"end":1701.32,"confidence":0.8935547,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06811186671257019},{"word":"like","start":1701.5599,"end":1701.7999,"confidence":0.94921875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07500062882900238},{"word":"for","start":1701.7999,"end":1701.96,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08228328824043274},{"word":"the","start":1701.96,"end":1702.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08968532085418701},{"word":"$4","start":1702.12,"end":1702.6799,"confidence":0.9744873,"punctuated_word":"$4,","sentiment":"neutral","sentiment_score":0.09603570401668549},{"word":"if","start":1702.6799,"end":1702.84,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10582002997398376},{"word":"you","start":1702.84,"end":1702.9199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09348342567682266},{"word":"want","start":1702.9199,"end":1703.08,"confidence":0.81396484,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08191518485546112},{"word":"to","start":1703.08,"end":1703.1599,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0884639173746109},{"word":"put","start":1703.1599,"end":1703.32,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09324489533901216},{"word":"the","start":1703.32,"end":1703.4,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08398284018039703},{"word":"three","start":1703.4,"end":1703.72,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08528092503547668},{"word":"plus","start":1703.72,"end":1703.96,"confidence":0.9970703,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.06939248740673065},{"word":"the","start":1703.96,"end":1704.12,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10949460417032242},{"word":"one","start":1704.12,"end":1704.6,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11937925219535828},{"word":"into","start":1704.6,"end":1705.1,"confidence":0.984375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10635337233543396},{"word":"the","start":1705.24,"end":1705.74,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09613200277090073},{"word":"like","start":1706.6799,"end":1706.84,"confidence":0.83862305,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06177622824907303},{"word":"into","start":1706.84,"end":1707.08,"confidence":0.99121094,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10445787012577055},{"word":"your","start":1707.08,"end":1707.24,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10662230104207993},{"word":"wife's","start":1707.24,"end":1707.5599,"confidence":0.984375,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":0.0827813372015953},{"word":"account","start":1707.5599,"end":1708.0599,"confidence":0.9863281,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.10587739944458008},{"word":"it'd","start":1708.36,"end":1708.52,"confidence":0.9921875,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.08716728538274765},{"word":"be","start":1708.52,"end":1708.6799,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06070752814412117},{"word":"a","start":1708.6799,"end":1708.76,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06505639851093292},{"word":"hun","start":1708.76,"end":1708.9199,"confidence":0.62890625,"punctuated_word":"hun","sentiment":"neutral","sentiment_score":0.08350396156311035},{"word":"$154","start":1709.08,"end":1710.7799,"confidence":0.95458984,"punctuated_word":"$154","sentiment":"neutral","sentiment_score":0.08699081093072891},{"word":"a","start":1710.84,"end":1711.08,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09481331706047058},{"word":"fortnight","start":1711.08,"end":1711.58,"confidence":1.0,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.07613666355609894},{"word":"that","start":1711.845,"end":1712.085,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10376293212175368},{"word":"you","start":1712.085,"end":1712.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10598018765449524},{"word":"would","start":1712.245,"end":1712.485,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1020187959074974},{"word":"transfer","start":1712.485,"end":1712.985,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.10910938680171968},{"word":"over","start":1713.0449,"end":1713.5449,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.13174039125442505},{"word":"to","start":1713.845,"end":1714.085,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1296815574169159},{"word":"the","start":1714.085,"end":1714.1649,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13888338208198547},{"word":"super","start":1714.1649,"end":1714.485,"confidence":0.58203125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16416768729686737},{"word":"fund","start":1714.485,"end":1714.985,"confidence":0.935791,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.1013130396604538},{"word":"so","start":1715.0449,"end":1715.365,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07290101051330566},{"word":"the","start":1715.365,"end":1715.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08016576617956161},{"word":"the","start":1715.605,"end":1715.6849,"confidence":0.8183594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05136638134717941},{"word":"question","start":1715.6849,"end":1715.9249,"confidence":0.9980469,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.0696481317281723},{"word":"you","start":1715.9249,"end":1716.085,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05749689042568207},{"word":"need","start":1716.085,"end":1716.165,"confidence":0.9375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.018661484122276303},{"word":"to","start":1716.165,"end":1716.245,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04746751487255096},{"word":"ask","start":1716.245,"end":1716.485,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.02886366844177246},{"word":"yourself","start":1716.485,"end":1716.8049,"confidence":0.9980469,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.019803985953330994},{"word":"and","start":1716.8049,"end":1716.965,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04622189700603485},{"word":"really","start":1716.965,"end":1717.205,"confidence":0.9941406,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.0014824271202087402},{"word":"look","start":1717.205,"end":1717.365,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.006446540355682373},{"word":"at","start":1717.365,"end":1717.445,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0071946680545806885},{"word":"your","start":1717.445,"end":1717.605,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028986245393753052},{"word":"budget","start":1717.605,"end":1718.005,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.04055821895599365},{"word":"and","start":1718.005,"end":1718.085,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016249030828475952},{"word":"do","start":1718.085,"end":1718.585,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.020519495010375977},{"word":"is","start":1718.725,"end":1719.225,"confidence":0.96777344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02935256063938141},{"word":"is","start":1719.605,"end":1719.765,"confidence":0.5371094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04104253649711609},{"word":"this","start":1719.765,"end":1720.085,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.020194068551063538},{"word":"budgetarily","start":1720.085,"end":1720.585,"confidence":0.9663086,"punctuated_word":"budgetarily","sentiment":"neutral","sentiment_score":0.11765967309474944},{"word":"going","start":1721.525,"end":1721.765,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05379416048526764},{"word":"to","start":1721.765,"end":1721.845,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1115400493144989},{"word":"work","start":1721.845,"end":1722.085,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.15595929324626925},{"word":"for","start":1722.085,"end":1722.325,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05774455517530441},{"word":"us","start":1722.325,"end":1722.825,"confidence":0.86499023,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.03482704982161522},{"word":"or","start":1722.885,"end":1723.125,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04357938468456268},{"word":"am","start":1723.125,"end":1723.365,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.0660615786910057},{"word":"i","start":1723.365,"end":1723.525,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03708374500274658},{"word":"now","start":1723.525,"end":1723.765,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.05200337618589401},{"word":"taking","start":1723.765,"end":1724.245,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.010851465165615082},{"word":"from","start":1724.245,"end":1724.745,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.04177355021238327},{"word":"something","start":1725.605,"end":1726.005,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.05352137237787247},{"word":"else","start":1726.005,"end":1726.38,"confidence":0.9926758,"punctuated_word":"else?","sentiment":"neutral","sentiment_score":-0.05321696773171425},{"word":"yep","start":1764.49,"end":1764.99,"confidence":0.76831055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15742993354797363},{"word":"alright","start":1767.05,"end":1767.55,"confidence":0.7788086,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1678125113248825},{"word":"well","start":1767.77,"end":1768.09,"confidence":0.9753418,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.051178041845560074},{"word":"why","start":1768.09,"end":1768.17,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.01498480886220932},{"word":"don't","start":1768.17,"end":1768.41,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.02622070722281933},{"word":"we","start":1768.41,"end":1768.57,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.005031317472457886},{"word":"do","start":1768.57,"end":1768.73,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.041172534227371216},{"word":"this","start":1768.73,"end":1769.23,"confidence":0.9951172,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":0.020038511604070663},{"word":"why","start":1770.73,"end":1770.97,"confidence":0.99316406,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.03981161117553711},{"word":"don't","start":1770.97,"end":1771.47,"confidence":0.9926758,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.04144821688532829},{"word":"i","start":1771.7051,"end":1771.9451,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06407778710126877},{"word":"organize","start":1771.9451,"end":1772.3451,"confidence":0.9970703,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.05067878216505051},{"word":"a","start":1772.3451,"end":1772.425,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1546412855386734},{"word":"time","start":1772.425,"end":1772.745,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.14854899048805237},{"word":"that","start":1772.745,"end":1772.905,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13717584311962128},{"word":"i","start":1772.905,"end":1773.0651,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10754229128360748},{"word":"can","start":1773.0651,"end":1773.2251,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13195355236530304},{"word":"sit","start":1773.2251,"end":1773.305,"confidence":1.0,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.15634609758853912},{"word":"down","start":1773.305,"end":1773.805,"confidence":0.99609375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14938923716545105},{"word":"sit","start":1774.185,"end":1774.425,"confidence":0.7626953,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.11649075150489809},{"word":"down","start":1774.425,"end":1774.665,"confidence":0.78271484,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":0.10239745676517488},{"word":"we","start":1774.665,"end":1774.8251,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07434339821338654},{"word":"can","start":1774.8251,"end":1774.985,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09440282732248306},{"word":"video","start":1774.985,"end":1775.305,"confidence":0.9980469,"punctuated_word":"video","sentiment":"neutral","sentiment_score":0.07412709295749664},{"word":"call","start":1775.305,"end":1775.545,"confidence":0.8359375,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.05501130223274231},{"word":"i","start":1775.545,"end":1775.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010040484368801115},{"word":"don't","start":1775.625,"end":1775.785,"confidence":0.9638672,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.014995308592915537},{"word":"i","start":1775.785,"end":1775.865,"confidence":0.9667969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03493596613407135},{"word":"don't","start":1775.865,"end":1776.1051,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.008183064870536327},{"word":"mind","start":1776.1051,"end":1776.505,"confidence":0.7167969,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":0.0026736781001091003},{"word":"where","start":1776.505,"end":1776.665,"confidence":0.5161133,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.013329535722732544},{"word":"i","start":1776.665,"end":1776.745,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019078128039836884},{"word":"can","start":1776.745,"end":1776.905,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04018618166446686},{"word":"speak","start":1776.905,"end":1777.2251,"confidence":1.0,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.0027652084827423096},{"word":"to","start":1777.2251,"end":1777.4651,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006024599075317383},{"word":"yourself","start":1777.4651,"end":1777.9451,"confidence":0.99609375,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.033552199602127075},{"word":"and","start":1777.9451,"end":1778.265,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.025508470833301544},{"word":"i'm","start":1778.425,"end":1778.5851,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05782739445567131},{"word":"sorry","start":1778.5851,"end":1778.8251,"confidence":0.9753418,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.10844361037015916},{"word":"what","start":1778.8251,"end":1778.985,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.08897899836301804},{"word":"was","start":1778.985,"end":1779.145,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08442377299070358},{"word":"your","start":1779.145,"end":1779.305,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0626661479473114},{"word":"wife's","start":1779.305,"end":1779.625,"confidence":0.9980469,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":-0.056909263134002686},{"word":"name","start":1779.625,"end":1780.125,"confidence":0.9995117,"punctuated_word":"name?","sentiment":"neutral","sentiment_score":-0.01578240469098091},{"word":"perfect","start":1782.5851,"end":1782.905,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4726817011833191},{"word":"i","start":1782.905,"end":1782.985,"confidence":0.9404297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28978976607322693},{"word":"can","start":1782.985,"end":1783.145,"confidence":0.8989258,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2680824398994446},{"word":"sit","start":1783.145,"end":1783.305,"confidence":0.97265625,"punctuated_word":"sit","sentiment":"positive","sentiment_score":0.34295812249183655},{"word":"down","start":1783.305,"end":1783.4651,"confidence":0.9980469,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3891947865486145},{"word":"with","start":1783.4651,"end":1783.625,"confidence":0.984375,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3931810259819031},{"word":"yourself","start":1783.625,"end":1783.865,"confidence":0.9267578,"punctuated_word":"yourself","sentiment":"positive","sentiment_score":0.45765745639801025},{"word":"and","start":1783.865,"end":1783.9451,"confidence":0.86865234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28736165165901184},{"word":"tamika","start":1783.9451,"end":1784.3451,"confidence":0.7515462,"punctuated_word":"Tamika,","sentiment":"neutral","sentiment_score":0.28058677911758423},{"word":"and","start":1784.3451,"end":1784.5851,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30177006125450134},{"word":"we","start":1784.5851,"end":1784.745,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4070046246051788},{"word":"can","start":1784.745,"end":1785.06,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31686636805534363},{"word":"maybe","start":1785.2201,"end":1785.3801,"confidence":1.0,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.26540255546569824},{"word":"have","start":1785.3801,"end":1785.54,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3007534146308899},{"word":"a","start":1785.54,"end":1785.6201,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2869880795478821},{"word":"bit","start":1785.6201,"end":1785.78,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26903045177459717},{"word":"of","start":1785.78,"end":1785.9401,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3530120551586151},{"word":"a","start":1785.9401,"end":1786.1001,"confidence":0.9873047,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34207236766815186},{"word":"strategy","start":1786.1001,"end":1786.5,"confidence":0.99902344,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.26179802417755127},{"word":"planning","start":1786.5,"end":1787.0,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.2455551028251648},{"word":"meeting","start":1787.14,"end":1787.64,"confidence":0.9885254,"punctuated_word":"meeting.","sentiment":"neutral","sentiment_score":0.02211472764611244},{"word":"i","start":1787.8601,"end":1788.02,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18677379190921783},{"word":"can","start":1788.02,"end":1788.18,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2133035808801651},{"word":"do","start":1788.18,"end":1788.3401,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1942279040813446},{"word":"a","start":1788.3401,"end":1788.5,"confidence":0.7631836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21704068779945376},{"word":"little","start":1788.5,"end":1788.66,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17343169450759888},{"word":"bit","start":1788.66,"end":1788.7401,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19331514835357663},{"word":"of","start":1788.7401,"end":1788.9,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2349545657634735},{"word":"research","start":1788.9,"end":1789.14,"confidence":0.9970703,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.15494924783706665},{"word":"we've","start":1789.14,"end":1789.38,"confidence":0.7092285,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12671135365962982},{"word":"kinda","start":1789.38,"end":1789.6201,"confidence":0.6274414,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.12925776839256287},{"word":"talked","start":1789.6201,"end":1789.78,"confidence":0.9980469,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.13775639235973358},{"word":"about","start":1789.78,"end":1790.02,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2274995893239975},{"word":"to","start":1790.02,"end":1790.18,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1814298778772354},{"word":"see","start":1790.18,"end":1790.68,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18850310146808624},{"word":"whether","start":1790.9,"end":1791.14,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.1815151572227478},{"word":"there's","start":1791.14,"end":1791.38,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.18238544464111328},{"word":"any","start":1791.38,"end":1791.54,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16838321089744568},{"word":"other","start":1791.54,"end":1791.8601,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.16831672191619873},{"word":"avenues","start":1791.8601,"end":1792.3401,"confidence":0.9819336,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":0.17458178102970123},{"word":"that","start":1792.3401,"end":1792.66,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18309015035629272},{"word":"pop","start":1792.66,"end":1792.9801,"confidence":0.9819336,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.23353970050811768},{"word":"up","start":1792.9801,"end":1793.4801,"confidence":0.9926758,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.19925421476364136},{"word":"we","start":1793.6201,"end":1793.78,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2491598129272461},{"word":"can","start":1793.78,"end":1794.02,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.257783442735672},{"word":"involve","start":1794.02,"end":1794.3401,"confidence":0.99609375,"punctuated_word":"involve","sentiment":"neutral","sentiment_score":0.23296450078487396},{"word":"her","start":1794.3401,"end":1794.5801,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.2357490062713623},{"word":"in","start":1794.5801,"end":1794.66,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19452176988124847},{"word":"the","start":1794.66,"end":1794.8201,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23674310743808744},{"word":"conversation","start":1794.8201,"end":1795.3201,"confidence":0.93603516,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.23881720006465912},{"word":"and","start":1796.66,"end":1796.9,"confidence":0.63964844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2491123229265213},{"word":"we","start":1796.9,"end":1797.3,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24368347227573395},{"word":"are","start":1797.3,"end":1797.4601,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.31192195415496826},{"word":"able","start":1797.4601,"end":1797.78,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3610564172267914},{"word":"to","start":1797.78,"end":1798.02,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3520347476005554},{"word":"maybe","start":1798.02,"end":1798.26,"confidence":0.95166016,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.31554245948791504},{"word":"do","start":1798.26,"end":1798.5,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3770594000816345},{"word":"some","start":1798.5,"end":1798.7401,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.362168550491333},{"word":"joint","start":1798.7401,"end":1799.2401,"confidence":1.0,"punctuated_word":"joint","sentiment":"positive","sentiment_score":0.3651947379112244},{"word":"financial","start":1799.78,"end":1800.28,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.3038206398487091},{"word":"advice","start":1800.3401,"end":1800.765,"confidence":0.9902344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.23764236271381375},{"word":"planning","start":1801.005,"end":1801.505,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.322872519493103},{"word":"with","start":1801.645,"end":1801.885,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.340943306684494},{"word":"the","start":1801.885,"end":1802.045,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39487576484680176},{"word":"two","start":1802.045,"end":1802.285,"confidence":1.0,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.38497161865234375},{"word":"of","start":1802.285,"end":1802.365,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35139164328575134},{"word":"you","start":1802.365,"end":1802.685,"confidence":0.828125,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.28015851974487305},{"word":"i","start":1802.685,"end":1802.765,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28541070222854614},{"word":"can","start":1802.765,"end":1803.005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2352043092250824},{"word":"get","start":1803.005,"end":1803.085,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2289573550224304},{"word":"a","start":1803.085,"end":1803.165,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.208785817027092},{"word":"little","start":1803.165,"end":1803.3251,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1861407905817032},{"word":"bit","start":1803.3251,"end":1803.485,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18871746957302096},{"word":"more","start":1803.485,"end":1803.725,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.21041226387023929},{"word":"information","start":1803.725,"end":1804.125,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1943115741014481},{"word":"about","start":1804.125,"end":1804.625,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15742462873458862},{"word":"her","start":1804.925,"end":1805.425,"confidence":0.765625,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.1657991111278534},{"word":"and","start":1805.965,"end":1806.205,"confidence":0.6582031,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07071606814861298},{"word":"obviously","start":1806.205,"end":1806.705,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0436609759926796},{"word":"it's","start":1807.485,"end":1807.645,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03457272797822952},{"word":"a","start":1807.645,"end":1807.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01715424843132496},{"word":"consent","start":1807.885,"end":1808.285,"confidence":1.0,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":-0.002126045525074005},{"word":"conversation","start":1808.285,"end":1808.785,"confidence":0.99902344,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.021981365978717804},{"word":"as","start":1808.925,"end":1809.165,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.090488463640213},{"word":"well","start":1809.165,"end":1809.405,"confidence":0.9128418,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06701041013002396},{"word":"to","start":1809.405,"end":1809.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021389871835708615},{"word":"be","start":1809.485,"end":1809.645,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0008264854550361633},{"word":"honest","start":1809.645,"end":1809.965,"confidence":0.9199219,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.013831675052642822},{"word":"because","start":1809.965,"end":1810.205,"confidence":0.9980469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.005902610719203949},{"word":"it","start":1810.205,"end":1810.365,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07751698791980743},{"word":"is","start":1810.365,"end":1810.525,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0592624805867672},{"word":"technically","start":1810.525,"end":1811.005,"confidence":0.9526367,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.07560154795646667},{"word":"her","start":1811.005,"end":1811.165,"confidence":0.9970703,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.12647385895252228},{"word":"money","start":1811.165,"end":1811.485,"confidence":0.74243164,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.06417839229106903},{"word":"so","start":1811.485,"end":1811.645,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10889996588230132},{"word":"i'm","start":1811.645,"end":1812.145,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.172478049993515},{"word":"legally","start":1812.685,"end":1813.165,"confidence":0.9980469,"punctuated_word":"legally","sentiment":"neutral","sentiment_score":-0.14733755588531494},{"word":"not","start":1813.165,"end":1813.3251,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1754731684923172},{"word":"allowed","start":1813.3251,"end":1813.645,"confidence":1.0,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":-0.19312776625156405},{"word":"to","start":1813.645,"end":1813.965,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2056388407945633},{"word":"act","start":1813.965,"end":1814.285,"confidence":1.0,"punctuated_word":"act","sentiment":"neutral","sentiment_score":-0.1876210421323776},{"word":"on","start":1814.285,"end":1814.605,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1443939507007599},{"word":"your","start":1814.605,"end":1814.845,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.22968518733978271},{"word":"instruction","start":1814.845,"end":1815.345,"confidence":0.9741211,"punctuated_word":"instruction.","sentiment":"neutral","sentiment_score":-0.17965610325336456},{"word":"it","start":1815.5651,"end":1815.725,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08618368953466415},{"word":"has","start":1815.725,"end":1815.965,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.07315060496330261},{"word":"to","start":1815.965,"end":1816.045,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.032381244003772736},{"word":"be","start":1816.045,"end":1816.205,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06847526133060455},{"word":"hers","start":1816.205,"end":1816.705,"confidence":0.9785156,"punctuated_word":"hers.","sentiment":"neutral","sentiment_score":-0.06809747219085693},{"word":"and","start":1819.78,"end":1819.9,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.043375346809625626},{"word":"but","start":1820.02,"end":1820.26,"confidence":0.47094727,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.028164267539978027},{"word":"this","start":1820.26,"end":1820.58,"confidence":0.7368164,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.051067546010017395},{"word":"this","start":1820.58,"end":1820.66,"confidence":0.54785156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06172880530357361},{"word":"conversation's","start":1820.66,"end":1821.0599,"confidence":0.4572754,"punctuated_word":"conversation's","sentiment":"neutral","sentiment_score":0.13840678334236145},{"word":"fine","start":1821.0599,"end":1821.22,"confidence":0.99902344,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.19443589448928833},{"word":"because","start":1821.22,"end":1821.46,"confidence":0.7470703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17852763831615448},{"word":"it","start":1821.46,"end":1821.54,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28576305508613586},{"word":"it's","start":1821.62,"end":1821.86,"confidence":0.98657227,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27187830209732056},{"word":"it's","start":1821.86,"end":1822.02,"confidence":0.96118164,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2171756476163864},{"word":"general","start":1822.02,"end":1822.34,"confidence":0.9892578,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.18693670630455017},{"word":"in","start":1822.34,"end":1822.42,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17777720093727112},{"word":"nature","start":1822.42,"end":1822.74,"confidence":1.0,"punctuated_word":"nature","sentiment":"neutral","sentiment_score":0.1184474527835846},{"word":"when","start":1822.74,"end":1822.98,"confidence":0.89453125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1430445909500122},{"word":"you're","start":1822.98,"end":1823.22,"confidence":0.80615234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0818789154291153},{"word":"not","start":1823.22,"end":1823.38,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.02702530473470688},{"word":"telling","start":1823.38,"end":1823.54,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.12000700831413268},{"word":"me","start":1823.54,"end":1823.7,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.012107796967029572},{"word":"to","start":1823.7,"end":1823.86,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05385136604309082},{"word":"go","start":1823.86,"end":1824.02,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05156521499156952},{"word":"do","start":1824.02,"end":1824.1799,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07173463702201843},{"word":"a","start":1824.1799,"end":1824.26,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02266979217529297},{"word":"thing","start":1824.26,"end":1824.5,"confidence":0.74853516,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.02369564399123192},{"word":"and","start":1824.5,"end":1824.82,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04558228701353073},{"word":"i'm","start":1824.82,"end":1824.98,"confidence":0.97265625,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.032207190990448},{"word":"irrespective","start":1824.98,"end":1825.46,"confidence":0.71069336,"punctuated_word":"irrespective.","sentiment":"neutral","sentiment_score":0.01915542408823967},{"word":"i","start":1825.46,"end":1825.54,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15981516242027283},{"word":"can't","start":1825.54,"end":1825.86,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.0993056297302246},{"word":"go","start":1825.86,"end":1826.02,"confidence":0.9448242,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2061951905488968},{"word":"do","start":1826.02,"end":1826.1,"confidence":0.98291016,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1702386438846588},{"word":"a","start":1826.1,"end":1826.1799,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10585494339466096},{"word":"thing","start":1826.1799,"end":1826.34,"confidence":0.99365234,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.0995849072933197},{"word":"i","start":1826.34,"end":1826.42,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1224573329091072},{"word":"need","start":1826.42,"end":1826.58,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.17132800817489624},{"word":"her","start":1826.58,"end":1826.82,"confidence":0.9951172,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.1437302529811859},{"word":"to","start":1826.82,"end":1826.9,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18432116508483887},{"word":"sign","start":1826.9,"end":1827.14,"confidence":0.9970703,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.15816611051559448},{"word":"off","start":1827.14,"end":1827.22,"confidence":0.9199219,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.10124580562114716},{"word":"on","start":1827.22,"end":1827.38,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.053559809923172},{"word":"it","start":1827.38,"end":1827.86,"confidence":0.9321289,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0962841734290123},{"word":"but","start":1827.86,"end":1828.34,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11399248242378236},{"word":"we","start":1828.34,"end":1828.58,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2076939195394516},{"word":"can","start":1828.58,"end":1828.74,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2352324426174164},{"word":"realistically","start":1828.74,"end":1829.24,"confidence":0.9194336,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.19024822115898132},{"word":"go","start":1829.46,"end":1829.62,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3060843348503113},{"word":"and","start":1829.62,"end":1830.12,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2939704656600952},{"word":"do","start":1830.74,"end":1830.98,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2409997284412384},{"word":"some","start":1830.98,"end":1831.14,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.27000728249549866},{"word":"planning","start":1831.14,"end":1831.64,"confidence":0.9848633,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.27312472462654114},{"word":"strategizing","start":1832.375,"end":1832.875,"confidence":0.9345703,"punctuated_word":"strategizing,","sentiment":"positive","sentiment_score":0.3408459722995758},{"word":"and","start":1833.2549,"end":1833.575,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3221079707145691},{"word":"i","start":1833.575,"end":1833.735,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35324305295944214},{"word":"can","start":1833.735,"end":1833.8949,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31277740001678467},{"word":"kind","start":1833.8949,"end":1834.0549,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.26078224182128906},{"word":"of","start":1834.0549,"end":1834.1349,"confidence":0.98217773,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.2415655255317688},{"word":"i","start":1834.1349,"end":1834.215,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1566600203514099},{"word":"guess","start":1834.215,"end":1834.455,"confidence":0.99365234,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.16081377863883972},{"word":"wrap","start":1834.455,"end":1834.955,"confidence":0.99902344,"punctuated_word":"wrap","sentiment":"neutral","sentiment_score":0.19532768428325653},{"word":"the","start":1835.095,"end":1835.2549,"confidence":0.3251953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2543460726737976},{"word":"realistically","start":1835.575,"end":1836.075,"confidence":0.9338379,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.227456197142601},{"word":"your","start":1836.1349,"end":1836.2949,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2733823359012604},{"word":"annual","start":1836.2949,"end":1836.615,"confidence":0.9970703,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.2281615287065506},{"word":"review's","start":1836.615,"end":1837.115,"confidence":0.6430664,"punctuated_word":"review's","sentiment":"neutral","sentiment_score":0.19465097784996033},{"word":"due","start":1837.735,"end":1838.235,"confidence":0.9711914,"punctuated_word":"due.","sentiment":"neutral","sentiment_score":0.1945851743221283},{"word":"so","start":1838.9349,"end":1839.2549,"confidence":0.86865234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3136613965034485},{"word":"i","start":1839.2549,"end":1839.335,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.37082812190055847},{"word":"can","start":1839.335,"end":1839.575,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.40234532952308655},{"word":"wrap","start":1839.575,"end":1839.735,"confidence":1.0,"punctuated_word":"wrap","sentiment":"positive","sentiment_score":0.3809620141983032},{"word":"that","start":1839.735,"end":1839.975,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.393250584602356},{"word":"all","start":1839.975,"end":1840.215,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.290607750415802},{"word":"up","start":1840.215,"end":1840.375,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.377623975276947},{"word":"into","start":1840.375,"end":1840.875,"confidence":1.0,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.344991534948349},{"word":"one","start":1841.095,"end":1841.4149,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3485392928123474},{"word":"big","start":1841.4149,"end":1841.6549,"confidence":0.9980469,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.3646559119224548},{"word":"conversation","start":1841.6549,"end":1842.1349,"confidence":0.9951172,"punctuated_word":"conversation.","sentiment":"positive","sentiment_score":0.3773095905780792},{"word":"we","start":1842.1349,"end":1842.2949,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.4401271343231201},{"word":"can","start":1842.2949,"end":1842.5349,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4711395800113678},{"word":"do","start":1842.5349,"end":1842.695,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5415220260620117},{"word":"a","start":1842.695,"end":1842.855,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5694437026977539},{"word":"nice","start":1842.855,"end":1843.1749,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6645943522453308},{"word":"big","start":1843.1749,"end":1843.575,"confidence":0.8432617,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.6164363622665405},{"word":"strategy","start":1843.575,"end":1844.0549,"confidence":0.9980469,"punctuated_word":"strategy","sentiment":"positive","sentiment_score":0.49619871377944946},{"word":"meeting","start":1844.0549,"end":1844.2949,"confidence":1.0,"punctuated_word":"meeting","sentiment":"positive","sentiment_score":0.5077469348907471},{"word":"with","start":1844.2949,"end":1844.455,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5419138669967651},{"word":"the","start":1844.455,"end":1844.7749,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5534392595291138},{"word":"the","start":1844.7749,"end":1844.9349,"confidence":0.9760742,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4620455503463745},{"word":"the","start":1844.9349,"end":1845.0149,"confidence":0.5654297,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41472572088241577},{"word":"three","start":1845.0149,"end":1845.2549,"confidence":0.9892578,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.3407260775566101},{"word":"of","start":1845.2549,"end":1845.4149,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36022552847862244},{"word":"us","start":1845.4149,"end":1845.87,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.3241431415081024},{"word":"and","start":1846.91,"end":1847.15,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3786602914333343},{"word":"and","start":1847.15,"end":1847.39,"confidence":0.96240234,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38366949558258057},{"word":"look","start":1847.39,"end":1847.63,"confidence":0.99902344,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4010685384273529},{"word":"at","start":1847.63,"end":1848.13,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.40796923637390137},{"word":"how","start":1848.19,"end":1848.43,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.399348109960556},{"word":"we","start":1848.43,"end":1848.51,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.43323764204978943},{"word":"can","start":1848.51,"end":1848.75,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.49431660771369934},{"word":"plan","start":1848.75,"end":1849.25,"confidence":0.7988281,"punctuated_word":"plan.","sentiment":"positive","sentiment_score":0.43183064460754395},{"word":"not","start":1849.47,"end":1849.71,"confidence":0.9873047,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.15985797345638275},{"word":"only","start":1849.71,"end":1849.95,"confidence":0.9941406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.09545310586690904},{"word":"necessarily","start":1849.95,"end":1850.45,"confidence":0.96875,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":0.14954553544521332},{"word":"for","start":1850.51,"end":1850.75,"confidence":0.9291992,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1842634677886963},{"word":"just","start":1850.75,"end":1850.91,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2049751877784729},{"word":"her","start":1850.91,"end":1851.15,"confidence":0.97265625,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.1734415888786316},{"word":"super","start":1851.15,"end":1851.47,"confidence":0.8989258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2200893759727478},{"word":"fund","start":1851.47,"end":1851.79,"confidence":0.74658203,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.17221474647521973},{"word":"and","start":1851.79,"end":1852.19,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1380862593650818},{"word":"some","start":1852.19,"end":1852.43,"confidence":0.59375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1732008159160614},{"word":"tax","start":1852.43,"end":1852.75,"confidence":0.9941406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.20296582579612732},{"word":"planning","start":1852.75,"end":1853.15,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.2115764617919922},{"word":"and","start":1853.15,"end":1853.65,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1420544683933258},{"word":"your","start":1853.71,"end":1853.95,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2299489974975586},{"word":"super","start":1853.95,"end":1854.19,"confidence":0.99902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16522987186908722},{"word":"fund","start":1854.19,"end":1854.43,"confidence":0.9880371,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.14936426281929016},{"word":"but","start":1854.43,"end":1854.59,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18413786590099335},{"word":"we","start":1854.59,"end":1854.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27291223406791687},{"word":"can","start":1854.75,"end":1854.91,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22192208468914032},{"word":"look","start":1854.91,"end":1855.07,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17280730605125427},{"word":"at","start":1855.07,"end":1855.57,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15307706594467163},{"word":"everything","start":1856.35,"end":1856.85,"confidence":0.8977051,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.13205981254577637},{"word":"talk","start":1857.55,"end":1857.79,"confidence":0.9873047,"punctuated_word":"Talk","sentiment":"neutral","sentiment_score":0.04097609221935272},{"word":"about","start":1857.79,"end":1858.19,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03903385251760483},{"word":"okay","start":1859.23,"end":1859.55,"confidence":0.6654053,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14139321446418762},{"word":"we","start":1859.63,"end":1859.79,"confidence":0.28198242,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.14763665199279785},{"word":"can","start":1859.79,"end":1859.95,"confidence":0.7211914,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17398466169834137},{"word":"maybe","start":1859.95,"end":1860.19,"confidence":0.9892578,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15843170881271362},{"word":"look","start":1860.19,"end":1860.35,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13442295789718628},{"word":"at","start":1860.35,"end":1860.59,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14522936940193176},{"word":"some","start":1860.59,"end":1860.75,"confidence":0.9921875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1376071721315384},{"word":"like","start":1860.99,"end":1861.035,"confidence":0.9555664,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13003414869308472},{"word":"if","start":1861.1951,"end":1861.355,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1737760305404663},{"word":"you","start":1861.355,"end":1861.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16746532917022705},{"word":"wanted","start":1861.435,"end":1861.4751,"confidence":0.71240234,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.13209690153598783},{"word":"to","start":1861.4751,"end":1861.515,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17168301343917847},{"word":"do","start":1861.515,"end":1861.755,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19467619061470032},{"word":"some","start":1861.755,"end":1861.995,"confidence":0.9951172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.19422557950019836},{"word":"investing","start":1861.995,"end":1862.3151,"confidence":0.9980469,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.15346300601959229},{"word":"for","start":1862.3151,"end":1862.395,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1206151843070984},{"word":"the","start":1862.395,"end":1862.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1293899118900299},{"word":"kids","start":1862.475,"end":1862.7151,"confidence":0.97436523,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.1334121972322464},{"word":"put","start":1862.7151,"end":1862.875,"confidence":0.9941406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.10202516615390778},{"word":"money","start":1862.875,"end":1863.115,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05676586925983429},{"word":"away","start":1863.115,"end":1863.355,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.10264880210161208},{"word":"from","start":1863.355,"end":1863.515,"confidence":0.97998047,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10110384225845336},{"word":"to","start":1863.675,"end":1863.8351,"confidence":0.8520508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10983806848526},{"word":"them","start":1863.8351,"end":1864.3351,"confidence":0.7595215,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.10243290662765504},{"word":"any","start":1864.395,"end":1864.635,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11836925148963928},{"word":"other","start":1864.635,"end":1864.875,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0840507298707962},{"word":"avenues","start":1864.875,"end":1865.1951,"confidence":1.0,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":0.1357307732105255},{"word":"that","start":1865.1951,"end":1865.435,"confidence":0.9980469,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.13408415019512177},{"word":"you","start":1865.435,"end":1865.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14009003341197968},{"word":"know","start":1865.515,"end":1865.675,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1692623794078827},{"word":"we","start":1865.675,"end":1865.8351,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2826923429965973},{"word":"can","start":1865.8351,"end":1865.995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30744317173957825},{"word":"kinda","start":1865.995,"end":1866.3151,"confidence":0.93115234,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.26800909638404846},{"word":"come","start":1866.3151,"end":1866.395,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.265306293964386},{"word":"up","start":1866.395,"end":1866.555,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2870192527770996},{"word":"with","start":1866.555,"end":1866.7151,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23939988017082217},{"word":"and","start":1866.7151,"end":1866.9551,"confidence":0.8613281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.200268030166626},{"word":"just","start":1866.9551,"end":1867.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19188636541366577},{"word":"make","start":1867.275,"end":1867.515,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23475715517997744},{"word":"it","start":1867.515,"end":1867.5951,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.284504234790802},{"word":"a","start":1867.5951,"end":1867.675,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2645837664604187},{"word":"bigger","start":1867.675,"end":1867.995,"confidence":0.99902344,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.28612273931503296},{"word":"conversation","start":1867.995,"end":1868.495,"confidence":0.9650879,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.21205569803714752},{"word":"okay","start":1875.675,"end":1876.175,"confidence":0.9172363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.24786901473999023},{"word":"okay","start":1884.07,"end":1884.57,"confidence":0.8937988,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3513120412826538},{"word":"okay","start":1897.085,"end":1897.585,"confidence":0.8569336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11991928517818452},{"word":"okay","start":1899.6449,"end":1900.1449,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10535429418087006},{"word":"so","start":1900.6849,"end":1901.1849,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10499675571918488},{"word":"i","start":1903.245,"end":1903.325,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13189075887203217},{"word":"will","start":1903.325,"end":1903.485,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12451957911252975},{"word":"go","start":1903.485,"end":1903.725,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1484865844249725},{"word":"down","start":1903.725,"end":1904.0449,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13920409977436066},{"word":"avenue","start":1904.0449,"end":1904.5249,"confidence":0.82714844,"punctuated_word":"Avenue","sentiment":"neutral","sentiment_score":0.1172972321510315},{"word":"a","start":1904.5249,"end":1904.6849,"confidence":0.9838867,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.12097851186990738},{"word":"and","start":1904.6849,"end":1904.9249,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14790542423725128},{"word":"see","start":1904.9249,"end":1905.1649,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1618521511554718},{"word":"if","start":1905.1649,"end":1905.325,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15781480073928833},{"word":"i","start":1905.325,"end":1905.4049,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15613916516304016},{"word":"can","start":1905.4049,"end":1905.8049,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18326571583747864},{"word":"pull","start":1905.8049,"end":1906.125,"confidence":0.9951172,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.19335585832595825},{"word":"the","start":1906.125,"end":1906.205,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1416177600622177},{"word":"$8","start":1906.205,"end":1906.945,"confidence":0.9909668,"punctuated_word":"$8","sentiment":"neutral","sentiment_score":0.15811358392238617},{"word":"and","start":1907.41,"end":1907.5701,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0635952353477478},{"word":"and","start":1907.5701,"end":1907.81,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14722928404808044},{"word":"see","start":1907.81,"end":1908.05,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18629157543182373},{"word":"what","start":1908.05,"end":1908.21,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1566304713487625},{"word":"that","start":1908.21,"end":1908.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16573558747768402},{"word":"looks","start":1908.29,"end":1908.53,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1368711143732071},{"word":"like","start":1908.53,"end":1908.93,"confidence":0.99902344,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.01443055272102356},{"word":"i","start":1908.93,"end":1909.09,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25417637825012207},{"word":"will","start":1909.09,"end":1909.41,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2076348066329956},{"word":"do","start":1909.41,"end":1909.5701,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2322099208831787},{"word":"a","start":1909.5701,"end":1909.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25387006998062134},{"word":"little","start":1909.65,"end":1909.81,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.22673293948173523},{"word":"bit","start":1909.81,"end":1909.97,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23868294060230255},{"word":"of","start":1909.97,"end":1910.05,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25721368193626404},{"word":"research","start":1910.05,"end":1910.45,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.12473181635141373},{"word":"this","start":1910.45,"end":1910.6901,"confidence":0.9716797,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16021354496479034},{"word":"afternoon","start":1910.6901,"end":1911.1901,"confidence":0.9243164,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.21461179852485657},{"word":"tomorrow","start":1911.89,"end":1912.39,"confidence":0.93115234,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.2060515135526657},{"word":"and","start":1913.33,"end":1913.5701,"confidence":0.93359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1588386744260788},{"word":"get","start":1913.5701,"end":1913.73,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1900168210268021},{"word":"you","start":1913.73,"end":1913.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2231004238128662},{"word":"an","start":1913.89,"end":1914.13,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2168627381324768},{"word":"email","start":1914.13,"end":1914.53,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2466202825307846},{"word":"tomorrow","start":1914.53,"end":1915.03,"confidence":1.0,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.20186370611190796},{"word":"at","start":1915.17,"end":1915.33,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22874636948108673},{"word":"the","start":1915.33,"end":1915.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1904214322566986},{"word":"latest","start":1915.41,"end":1915.91,"confidence":1.0,"punctuated_word":"latest","sentiment":"neutral","sentiment_score":0.1882929503917694},{"word":"and","start":1917.97,"end":1918.47,"confidence":0.6352539,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2103212922811508},{"word":"just","start":1919.09,"end":1919.41,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2250086814165115},{"word":"provide","start":1919.41,"end":1919.73,"confidence":0.9980469,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.2623779773712158},{"word":"you","start":1919.73,"end":1919.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31899023056030273},{"word":"with","start":1919.81,"end":1919.97,"confidence":0.9951172,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.2716110944747925},{"word":"like","start":1919.97,"end":1920.21,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2461988925933838},{"word":"a","start":1920.21,"end":1920.29,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25139689445495605},{"word":"little","start":1920.29,"end":1920.53,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15318264067173004},{"word":"bit","start":1920.53,"end":1920.61,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14466941356658936},{"word":"more","start":1920.61,"end":1920.77,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1255113184452057},{"word":"clarity","start":1920.77,"end":1921.25,"confidence":1.0,"punctuated_word":"clarity","sentiment":"neutral","sentiment_score":0.13009880483150482},{"word":"and","start":1921.25,"end":1921.665,"confidence":0.8569336,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.12925861775875092},{"word":"i","start":1921.905,"end":1921.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12513110041618347},{"word":"guess","start":1921.985,"end":1922.485,"confidence":0.99853516,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.11580086499452592},{"word":"stop","start":1922.545,"end":1922.865,"confidence":0.9980469,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.0815519168972969},{"word":"talking","start":1922.865,"end":1923.365,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.07506042718887329},{"word":"while","start":1923.5851,"end":1923.905,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.08675964176654816},{"word":"i'm","start":1923.905,"end":1924.0651,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1028747409582138},{"word":"trying","start":1924.0651,"end":1924.305,"confidence":0.99902344,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.0733247697353363},{"word":"to","start":1924.305,"end":1924.4651,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07044990360736847},{"word":"think","start":1924.4651,"end":1924.865,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09041281789541245},{"word":"and","start":1924.865,"end":1925.105,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08919215947389603},{"word":"actually","start":1925.105,"end":1925.425,"confidence":0.86621094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.10487499833106996},{"word":"just","start":1925.425,"end":1925.665,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09740080684423448},{"word":"stop","start":1925.665,"end":1925.8251,"confidence":0.99902344,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.10246934741735458},{"word":"and","start":1925.8251,"end":1925.985,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10467872023582458},{"word":"think","start":1925.985,"end":1926.485,"confidence":0.9550781,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.10420481115579604},{"word":"and","start":1927.665,"end":1927.8251,"confidence":0.8935547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13917769491672516},{"word":"then","start":1927.8251,"end":1928.3251,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12623554468154907},{"word":"you","start":1929.905,"end":1929.985,"confidence":0.7270508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14758563041687012},{"word":"can","start":1929.985,"end":1930.2251,"confidence":0.7246094,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12624353170394895},{"word":"hear","start":1930.2251,"end":1930.385,"confidence":0.99902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.12087490409612656},{"word":"the","start":1930.385,"end":1930.545,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13236206769943237},{"word":"cogs","start":1930.545,"end":1930.865,"confidence":0.8442383,"punctuated_word":"cogs","sentiment":"neutral","sentiment_score":0.099422886967659},{"word":"turning","start":1930.865,"end":1931.365,"confidence":0.90185547,"punctuated_word":"turning.","sentiment":"neutral","sentiment_score":0.12487812340259552},{"word":"and","start":1931.905,"end":1932.0651,"confidence":0.9819336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1314607560634613},{"word":"then","start":1932.0651,"end":1932.4651,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09411075711250304},{"word":"from","start":1932.4651,"end":1932.7051,"confidence":0.9941406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1201840043067932},{"word":"there","start":1932.7051,"end":1933.2051,"confidence":0.9680176,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.10894274711608888},{"word":"we","start":1935.49,"end":1935.57,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1926889419555664},{"word":"can","start":1935.57,"end":1935.8099,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16937313973903656},{"word":"sort","start":1935.8099,"end":1935.97,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10967451333999634},{"word":"of","start":1935.97,"end":1936.13,"confidence":0.98999023,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.13768208026885986},{"word":"i","start":1936.13,"end":1936.2899,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15770436823368073},{"word":"guess","start":1936.2899,"end":1936.61,"confidence":0.9980469,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.17495769262313843},{"word":"still","start":1936.61,"end":1936.85,"confidence":0.98828125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1637408882379532},{"word":"sit","start":1936.85,"end":1937.01,"confidence":0.99902344,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.20294985175132751},{"word":"down","start":1937.01,"end":1937.1699,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2003124952316284},{"word":"and","start":1937.1699,"end":1937.33,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2074505984783173},{"word":"have","start":1937.33,"end":1937.49,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21201781928539276},{"word":"that","start":1937.49,"end":1937.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25512897968292236},{"word":"conversation","start":1937.65,"end":1938.0499,"confidence":0.76782227,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.20249298214912417},{"word":"because","start":1938.0499,"end":1938.2899,"confidence":0.9482422,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.12775996327400208},{"word":"even","start":1938.2899,"end":1938.45,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.12378476560115814},{"word":"if","start":1938.45,"end":1938.61,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09513185918331146},{"word":"it","start":1938.61,"end":1938.69,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12088045477867126},{"word":"is","start":1938.69,"end":1938.85,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10340681672096252},{"word":"just","start":1938.85,"end":1939.09,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09588371962308884},{"word":"that","start":1939.09,"end":1939.1699,"confidence":0.44873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09221823513507844},{"word":"we're","start":1939.1699,"end":1939.33,"confidence":0.99121094,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.11172743886709212},{"word":"gonna","start":1939.33,"end":1939.57,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13342389464378357},{"word":"withdraw","start":1939.57,"end":1939.89,"confidence":0.99902344,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":0.08983811736106873},{"word":"the","start":1939.89,"end":1939.97,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09406334906816484},{"word":"money","start":1939.97,"end":1940.47,"confidence":0.9970703,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.09229563176631927},{"word":"we","start":1940.61,"end":1940.77,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1667979657649994},{"word":"can","start":1940.77,"end":1941.01,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14056484401226044},{"word":"maybe","start":1941.01,"end":1941.33,"confidence":0.97802734,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.13598594069480896},{"word":"have","start":1941.33,"end":1941.49,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1445249617099762},{"word":"a","start":1941.49,"end":1941.57,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13586768507957458},{"word":"meeting","start":1941.57,"end":1941.89,"confidence":0.99902344,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.11454510688781738},{"word":"about","start":1941.89,"end":1942.13,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1212719976902008},{"word":"what","start":1942.13,"end":1942.2899,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10346975922584534},{"word":"that","start":1942.2899,"end":1942.5299,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08457066118717194},{"word":"what","start":1942.61,"end":1942.85,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08350234478712082},{"word":"the","start":1942.85,"end":1943.01,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.078231081366539},{"word":"tax","start":1943.01,"end":1943.33,"confidence":0.68359375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1127396747469902},{"word":"is","start":1943.33,"end":1943.49,"confidence":0.9680176,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.08746053278446198},{"word":"whether","start":1943.49,"end":1943.8099,"confidence":0.9980469,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.1375940889120102},{"word":"we","start":1943.8099,"end":1943.89,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09366001188755035},{"word":"wanna","start":1943.89,"end":1944.13,"confidence":0.98535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1324138045310974},{"word":"go","start":1944.13,"end":1944.2899,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10508435219526292},{"word":"down","start":1944.2899,"end":1944.45,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09924140572547913},{"word":"that","start":1944.45,"end":1944.61,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15117527544498444},{"word":"avenue","start":1944.61,"end":1945.11,"confidence":0.93774414,"punctuated_word":"avenue.","sentiment":"neutral","sentiment_score":0.1062009334564209},{"word":"is","start":1945.8099,"end":1945.97,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.11963272094726562},{"word":"that","start":1945.97,"end":1946.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10716444253921507},{"word":"what","start":1946.13,"end":1946.37,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0904819592833519},{"word":"she","start":1946.37,"end":1946.5299,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.10143068432807922},{"word":"wants","start":1946.5299,"end":1947.0299,"confidence":0.9577637,"punctuated_word":"wants?","sentiment":"neutral","sentiment_score":0.09365897625684738},{"word":"i","start":1947.265,"end":1947.4249,"confidence":0.5751953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10249704122543336},{"word":"can","start":1947.4249,"end":1947.585,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07820532470941544},{"word":"issue","start":1947.585,"end":1947.7849,"confidence":0.9790039,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":0.10554274916648863},{"word":"i","start":1947.985,"end":1948.145,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12637190520763397},{"word":"can","start":1948.145,"end":1948.3049,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13775129616260529},{"word":"send","start":1948.3049,"end":1948.5449,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10336166620254517},{"word":"the","start":1948.5449,"end":1948.625,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11118721961975098},{"word":"paperwork","start":1948.625,"end":1949.025,"confidence":0.9970703,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":0.1061733290553093},{"word":"to","start":1949.025,"end":1949.1849,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11975370347499847},{"word":"you","start":1949.1849,"end":1949.345,"confidence":0.91552734,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12993265688419342},{"word":"and","start":1949.345,"end":1949.585,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10012521594762802},{"word":"we","start":1949.585,"end":1949.665,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13305728137493134},{"word":"can","start":1949.665,"end":1949.825,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12120665609836578},{"word":"still","start":1949.825,"end":1950.065,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1248929426074028},{"word":"have","start":1950.065,"end":1950.145,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11477331072092056},{"word":"a","start":1950.145,"end":1950.3049,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1055382639169693},{"word":"broader","start":1950.3049,"end":1950.625,"confidence":0.9970703,"punctuated_word":"broader","sentiment":"neutral","sentiment_score":0.12127501517534256},{"word":"conversation","start":1950.625,"end":1951.125,"confidence":0.99902344,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.11968620121479034},{"word":"can","start":1952.705,"end":1952.945,"confidence":0.8520508,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.17553620040416718},{"word":"i","start":1952.945,"end":1953.1849,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20033253729343417},{"word":"ask","start":1953.1849,"end":1953.4249,"confidence":0.9970703,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.20778888463974},{"word":"just","start":1953.4249,"end":1953.585,"confidence":0.7741699,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.24085919559001925},{"word":"i","start":1953.585,"end":1953.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.195573627948761},{"word":"guess","start":1953.745,"end":1953.985,"confidence":0.99365234,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.23946289718151093},{"word":"to","start":1953.985,"end":1954.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22802002727985385},{"word":"get","start":1954.145,"end":1954.3049,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.20113253593444824},{"word":"me","start":1954.3049,"end":1954.465,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2361574620008469},{"word":"mentally","start":1954.465,"end":1954.865,"confidence":1.0,"punctuated_word":"mentally","sentiment":"neutral","sentiment_score":0.2927204966545105},{"word":"prepared","start":1954.865,"end":1955.365,"confidence":1.0,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.19478720426559448},{"word":"for","start":1955.505,"end":1956.005,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31915390491485596},{"word":"said","start":1956.465,"end":1956.785,"confidence":0.8852539,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.17483021318912506},{"word":"meeting","start":1956.785,"end":1957.285,"confidence":0.80615234,"punctuated_word":"meeting,","sentiment":"neutral","sentiment_score":0.19375304877758023},{"word":"a","start":1958.3049,"end":1958.625,"confidence":0.9880371,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.217332124710083},{"word":"what's","start":1958.625,"end":1958.865,"confidence":0.9941406,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.17168131470680237},{"word":"the","start":1958.865,"end":1958.945,"confidence":0.63134766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.155086949467659},{"word":"best","start":1958.945,"end":1959.105,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.16298310458660126},{"word":"day","start":1959.105,"end":1959.265,"confidence":0.9970703,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.17685198783874512},{"word":"that","start":1959.265,"end":1959.4249,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25298672914505005},{"word":"we","start":1959.4249,"end":1959.505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27596649527549744},{"word":"can","start":1959.505,"end":1959.665,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26925477385520935},{"word":"sort","start":1959.665,"end":1959.825,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2231377065181732},{"word":"of","start":1959.825,"end":1959.985,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28815558552742004},{"word":"schedule","start":1959.985,"end":1960.3049,"confidence":1.0,"punctuated_word":"schedule","sentiment":"neutral","sentiment_score":0.2388698160648346},{"word":"that","start":1960.3049,"end":1960.465,"confidence":0.90966797,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.2198820412158966},{"word":"because","start":1960.465,"end":1960.585,"confidence":0.9560547,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.185384064912796},{"word":"i","start":1960.585,"end":1960.705,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2215064167976379},{"word":"can","start":1960.705,"end":1960.825,"confidence":0.9921875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20691856741905212},{"word":"i","start":1960.825,"end":1960.945,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24075523018836975},{"word":"can","start":1960.945,"end":1961.105,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19416356086730957},{"word":"literally","start":1961.105,"end":1961.4249,"confidence":0.98828125,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.16971775889396667},{"word":"just","start":1961.4249,"end":1961.585,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18258363008499143},{"word":"book","start":1961.585,"end":1961.825,"confidence":0.9951172,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.1619773805141449},{"word":"it","start":1961.825,"end":1961.905,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17657649517059326},{"word":"in","start":1961.905,"end":1962.065,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13579878211021423},{"word":"now","start":1962.065,"end":1962.48,"confidence":0.9951172,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.1162281408905983},{"word":"i","start":1963.2,"end":1963.28,"confidence":0.5419922,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01896628364920616},{"word":"was","start":1963.28,"end":1963.44,"confidence":0.55810547,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.011430632323026655},{"word":"gonna","start":1963.44,"end":1963.6,"confidence":0.84814453,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.037884507328271866},{"word":"kinda","start":1963.6,"end":1963.91,"confidence":0.63671875,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.03421689569950104},{"word":"go","start":1963.91,"end":1964.16,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02288128063082695},{"word":"from","start":1964.16,"end":1964.4,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.016927305608987808},{"word":"there","start":1964.4,"end":1964.9,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03613802790641785},{"word":"how","start":1999.5701,"end":1999.81,"confidence":0.73779297,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.018517017364501953},{"word":"about","start":1999.81,"end":2000.2101,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02066122367978096},{"word":"i","start":2000.2101,"end":2000.29,"confidence":0.7216797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01380431279540062},{"word":"can","start":2000.29,"end":2000.4501,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.00885070115327835},{"word":"do","start":2000.4501,"end":2000.61,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.010214194655418396},{"word":"you","start":2000.61,"end":2000.77,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02018085867166519},{"word":"one","start":2000.77,"end":2001.01,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.036534104496240616},{"word":"better","start":2001.01,"end":2001.51,"confidence":0.8408203,"punctuated_word":"better?","sentiment":"neutral","sentiment_score":-0.017687538638710976},{"word":"tuesday","start":2002.13,"end":2002.63,"confidence":0.9980469,"punctuated_word":"Tuesday","sentiment":"neutral","sentiment_score":-0.003095299005508423},{"word":"after","start":2003.9701,"end":2004.4501,"confidence":0.8491211,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.006881875917315483},{"word":"05:00","start":2004.4501,"end":2005.125,"confidence":0.9536743,"punctuated_word":"05:00.","sentiment":"neutral","sentiment_score":-0.007407360710203648},{"word":"oh","start":2009.205,"end":2009.365,"confidence":0.9626465,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.1251135915517807},{"word":"i","start":2009.365,"end":2009.445,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15507401525974274},{"word":"can","start":2009.445,"end":2009.605,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12355995923280716},{"word":"do","start":2009.605,"end":2009.845,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09188918024301528},{"word":"that","start":2009.845,"end":2010.345,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08876976370811462},{"word":"yeah","start":2015.445,"end":2015.925,"confidence":0.8544922,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09566669166088104},{"word":"okay","start":2015.925,"end":2016.425,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08621515333652496},{"word":"do","start":2016.645,"end":2016.805,"confidence":0.99609375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05436008051037789},{"word":"you","start":2016.805,"end":2016.885,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0537540540099144},{"word":"just","start":2016.885,"end":2017.045,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06946352869272232},{"word":"want","start":2017.045,"end":2017.445,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.05044756457209587},{"word":"5pm","start":2017.445,"end":2017.925,"confidence":0.99072266,"punctuated_word":"5PM","sentiment":"neutral","sentiment_score":0.06685562431812286},{"word":"on","start":2017.925,"end":2018.005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04366306960582733},{"word":"the","start":2018.005,"end":2018.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06655602157115936},{"word":"dock","start":2018.085,"end":2018.325,"confidence":0.80859375,"punctuated_word":"dock,","sentiment":"neutral","sentiment_score":0.07192099094390869},{"word":"05:30","start":2018.325,"end":2018.805,"confidence":0.8670044,"punctuated_word":"05:30,","sentiment":"neutral","sentiment_score":0.06806793063879013},{"word":"give","start":2018.805,"end":2018.885,"confidence":0.9873047,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0670844241976738},{"word":"you","start":2018.885,"end":2019.045,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07941446453332901},{"word":"a","start":2019.045,"end":2019.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07428088784217834},{"word":"little","start":2019.125,"end":2019.285,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08338942378759384},{"word":"bit","start":2019.285,"end":2019.445,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07421007752418518},{"word":"of","start":2019.445,"end":2019.525,"confidence":0.8569336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07508503645658493},{"word":"time","start":2019.525,"end":2019.765,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0802052766084671},{"word":"to","start":2019.765,"end":2019.925,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09313182532787324},{"word":"put","start":2019.925,"end":2020.085,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08057988435029984},{"word":"your","start":2020.085,"end":2020.245,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07793460041284561},{"word":"bag","start":2020.245,"end":2020.485,"confidence":0.98828125,"punctuated_word":"bag","sentiment":"neutral","sentiment_score":0.068201944231987},{"word":"down","start":2020.485,"end":2020.725,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09430086612701416},{"word":"and","start":2020.725,"end":2021.1,"confidence":0.9370117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06040578335523605},{"word":"make","start":2021.58,"end":2022.08,"confidence":0.9301758,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07037495821714401},{"word":"coffee","start":2025.34,"end":2025.84,"confidence":0.7626953,"punctuated_word":"coffee?","sentiment":"neutral","sentiment_score":0.06535287946462631},{"word":"okay","start":2030.46,"end":2030.96,"confidence":0.99316406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3098108172416687},{"word":"alright","start":2037.375,"end":2037.855,"confidence":0.83496094,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4848766326904297},{"word":"perfect","start":2037.855,"end":2038.355,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6505273580551147},{"word":"i","start":2038.495,"end":2038.735,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.40000954270362854},{"word":"will","start":2038.735,"end":2039.235,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.40873631834983826},{"word":"pop","start":2040.015,"end":2040.255,"confidence":0.95947266,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.5475330352783203},{"word":"it","start":2040.255,"end":2040.335,"confidence":0.8642578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4605275094509125},{"word":"in","start":2040.335,"end":2040.4149,"confidence":0.85839844,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.48735132813453674},{"word":"my","start":2040.4149,"end":2040.495,"confidence":0.99316406,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.5101495981216431},{"word":"calendar","start":2040.495,"end":2040.815,"confidence":0.9675293,"punctuated_word":"calendar.","sentiment":"positive","sentiment_score":0.40316838026046753},{"word":"i","start":2040.815,"end":2040.975,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.394087016582489},{"word":"will","start":2040.975,"end":2041.215,"confidence":0.99902344,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.33591634035110474},{"word":"send","start":2041.215,"end":2041.455,"confidence":0.99902344,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.3507775664329529},{"word":"you","start":2041.455,"end":2041.615,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39425820112228394},{"word":"a","start":2041.615,"end":2041.7749,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35423344373703003},{"word":"meeting","start":2041.7749,"end":2042.095,"confidence":1.0,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.33042261004447937},{"word":"and","start":2042.095,"end":2042.335,"confidence":0.61450195,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.34804898500442505},{"word":"like","start":2042.335,"end":2042.495,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.39931344985961914},{"word":"i'll","start":2042.495,"end":2042.815,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4316774010658264},{"word":"invite","start":2042.815,"end":2043.135,"confidence":1.0,"punctuated_word":"invite","sentiment":"positive","sentiment_score":0.4812894463539123},{"word":"you","start":2043.135,"end":2043.2949,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3796834349632263},{"word":"into","start":2043.2949,"end":2043.5349,"confidence":0.9135742,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3521624505519867},{"word":"the","start":2043.5349,"end":2043.695,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3761518597602844},{"word":"calendar","start":2043.695,"end":2044.095,"confidence":0.99902344,"punctuated_word":"calendar","sentiment":"positive","sentiment_score":0.35870641469955444},{"word":"invite","start":2044.095,"end":2044.4149,"confidence":0.99316406,"punctuated_word":"invite","sentiment":"positive","sentiment_score":0.415617436170578},{"word":"as","start":2044.4149,"end":2044.575,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3164168894290924},{"word":"well","start":2044.575,"end":2045.075,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.27386748790740967},{"word":"do","start":2045.215,"end":2045.455,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.11105094105005264},{"word":"you","start":2045.455,"end":2045.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17380133271217346},{"word":"wanna","start":2045.615,"end":2046.095,"confidence":0.98535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.20901334285736084},{"word":"do","start":2046.095,"end":2046.255,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18827463686466217},{"word":"it","start":2046.255,"end":2046.755,"confidence":0.73950195,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1782805323600769},{"word":"like","start":2046.815,"end":2047.0549,"confidence":0.9494629,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16501988470554352},{"word":"a","start":2047.0549,"end":2047.5549,"confidence":0.7680664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22562122344970703},{"word":"meet","start":2048.31,"end":2048.71,"confidence":0.4663086,"punctuated_word":"Meet","sentiment":"neutral","sentiment_score":0.18368810415267944},{"word":"meeting","start":2048.71,"end":2049.03,"confidence":0.76953125,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.18395869433879852},{"word":"and","start":2049.03,"end":2049.19,"confidence":0.5722656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1770881563425064},{"word":"we","start":2049.19,"end":2049.27,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23257507383823395},{"word":"can","start":2049.27,"end":2049.43,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.186382457613945},{"word":"have","start":2049.43,"end":2049.67,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24144572019577024},{"word":"a","start":2049.67,"end":2049.75,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18989375233650208},{"word":"video","start":2049.75,"end":2050.23,"confidence":0.9951172,"punctuated_word":"video","sentiment":"neutral","sentiment_score":0.13574133813381195},{"word":"conference","start":2050.23,"end":2050.63,"confidence":0.7188721,"punctuated_word":"conference,","sentiment":"neutral","sentiment_score":0.15563622117042542},{"word":"or","start":2050.63,"end":2050.79,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09346410632133484},{"word":"do","start":2050.79,"end":2050.8699,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09424646198749542},{"word":"you","start":2050.8699,"end":2051.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1445775032043457},{"word":"wanna","start":2051.03,"end":2051.27,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15398681163787842},{"word":"just","start":2051.27,"end":2051.5898,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11136111617088318},{"word":"have","start":2051.5898,"end":2051.83,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16277408599853516},{"word":"a","start":2051.83,"end":2051.91,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12642531096935272},{"word":"phone","start":2051.91,"end":2052.23,"confidence":0.99902344,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.06333497166633606},{"word":"call","start":2052.23,"end":2052.73,"confidence":0.9970703,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.07477319240570068},{"word":"cool","start":2056.71,"end":2057.21,"confidence":0.94091797,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.33368176221847534},{"word":"yeah","start":2060.63,"end":2060.8699,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2419985234737396},{"word":"that's","start":2060.8699,"end":2061.19,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3853607773780823},{"word":"fine","start":2061.19,"end":2061.3499,"confidence":0.99853516,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.41262418031692505},{"word":"cool","start":2061.3499,"end":2061.67,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.0846891701221466},{"word":"let's","start":2061.67,"end":2061.83,"confidence":0.9650879,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.1790263056755066},{"word":"just","start":2061.83,"end":2061.91,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.202104851603508},{"word":"we'll","start":2061.99,"end":2062.23,"confidence":0.9970703,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.18564707040786743},{"word":"keep","start":2062.23,"end":2062.39,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2863232493400574},{"word":"it","start":2062.39,"end":2062.55,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25601673126220703},{"word":"at","start":2062.55,"end":2062.63,"confidence":0.8911133,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17122803628444672},{"word":"google","start":2062.63,"end":2062.95,"confidence":0.9980469,"punctuated_word":"Google","sentiment":"neutral","sentiment_score":0.21322815120220184},{"word":"meet","start":2062.95,"end":2063.45,"confidence":0.6904297,"punctuated_word":"Meet,","sentiment":"neutral","sentiment_score":0.2434293031692505},{"word":"face","start":2063.5552,"end":2063.635,"confidence":0.9404297,"punctuated_word":"face","sentiment":"neutral","sentiment_score":0.2927127182483673},{"word":"to","start":2063.635,"end":2063.7952,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21282503008842468},{"word":"face","start":2063.7952,"end":2063.955,"confidence":0.99902344,"punctuated_word":"face","sentiment":"neutral","sentiment_score":0.2122298628091812},{"word":"and","start":2063.955,"end":2064.355,"confidence":0.8569336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15616212785243988},{"word":"go","start":2064.355,"end":2064.5151,"confidence":0.9614258,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1640297919511795},{"word":"from","start":2064.5151,"end":2064.675,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1689295768737793},{"word":"there","start":2064.675,"end":2065.175,"confidence":0.7824707,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16163671016693115},{"word":"face","start":2065.955,"end":2066.195,"confidence":0.9375,"punctuated_word":"Face","sentiment":"neutral","sentiment_score":0.24059216678142548},{"word":"to","start":2066.195,"end":2066.2751,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.189615398645401},{"word":"name","start":2066.2751,"end":2066.5151,"confidence":0.9921875,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.25429660081863403},{"word":"type","start":2066.5151,"end":2066.675,"confidence":0.97802734,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.2268074005842209},{"word":"of","start":2066.675,"end":2066.8352,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3028789162635803},{"word":"thing","start":2066.8352,"end":2067.3352,"confidence":0.9177246,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.3066210150718689},{"word":"and","start":2068.355,"end":2068.855,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2506278157234192},{"word":"that","start":2070.8352,"end":2070.995,"confidence":0.95947266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2458466589450836},{"word":"way","start":2070.995,"end":2071.235,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2982666790485382},{"word":"you","start":2071.235,"end":2071.3152,"confidence":0.55078125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3429887890815735},{"word":"have","start":2071.3152,"end":2071.475,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34044328331947327},{"word":"it","start":2071.475,"end":2071.5552,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3325825035572052},{"word":"in","start":2071.5552,"end":2071.715,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3692527413368225},{"word":"your","start":2071.715,"end":2071.955,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4173720479011536},{"word":"calendar","start":2071.955,"end":2072.455,"confidence":0.9885254,"punctuated_word":"calendar.","sentiment":"positive","sentiment_score":0.34241288900375366},{"word":"i'll","start":2072.5151,"end":2072.7551,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3086088001728058},{"word":"do","start":2072.7551,"end":2072.915,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.30338889360427856},{"word":"my","start":2072.915,"end":2073.155,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3211973309516907},{"word":"research","start":2073.155,"end":2073.655,"confidence":0.9921875,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.2839322090148926},{"word":"we","start":2073.955,"end":2074.0352,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.27693137526512146},{"word":"can","start":2074.0352,"end":2074.195,"confidence":0.984375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28815019130706787},{"word":"have","start":2074.195,"end":2074.355,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3370366394519806},{"word":"a","start":2074.355,"end":2074.435,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29416537284851074},{"word":"little","start":2074.435,"end":2074.5952,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2367798388004303},{"word":"bit","start":2074.5952,"end":2074.7551,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24880431592464447},{"word":"more","start":2074.7551,"end":2074.915,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.24845676124095917},{"word":"of","start":2074.915,"end":2075.0752,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.286124587059021},{"word":"a","start":2075.0752,"end":2075.235,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2763408422470093},{"word":"a","start":2075.235,"end":2075.3152,"confidence":0.93847656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2799029052257538},{"word":"planning","start":2075.3152,"end":2075.635,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.3133963942527771},{"word":"strategy","start":2075.635,"end":2076.135,"confidence":0.99365234,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.18995042145252228},{"word":"loans","start":2077.395,"end":2077.895,"confidence":0.7714844,"punctuated_word":"Loans.","sentiment":"neutral","sentiment_score":0.03641973435878754},{"word":"do","start":2078.44,"end":2078.6,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.00939367339015007},{"word":"you","start":2078.6,"end":2078.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015330426394939424},{"word":"know","start":2078.76,"end":2079.0,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.009858734905719755},{"word":"where","start":2079.0,"end":2079.24,"confidence":0.9941406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.005213826894760132},{"word":"the","start":2079.24,"end":2079.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004697626456618309},{"word":"loans","start":2079.48,"end":2079.8801,"confidence":0.9506836,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.004859697073698044},{"word":"currently","start":2079.8801,"end":2080.36,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.01979570835828781},{"word":"sit","start":2080.36,"end":2080.86,"confidence":0.55029297,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.01720437780022621},{"word":"roughly","start":2080.92,"end":2081.32,"confidence":0.8840332,"punctuated_word":"roughly?","sentiment":"neutral","sentiment_score":0.02517769485712051},{"word":"you","start":2081.32,"end":2081.48,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00029139965772628784},{"word":"don't","start":2081.48,"end":2081.72,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0009179661865346134},{"word":"have","start":2081.72,"end":2081.8801,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005918119102716446},{"word":"to","start":2081.8801,"end":2081.96,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029565289616584774},{"word":"give","start":2081.96,"end":2082.12,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.04568486660718918},{"word":"me","start":2082.12,"end":2082.28,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.020342640578746796},{"word":"exact","start":2082.28,"end":2082.6,"confidence":0.9921875,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":-0.03623746708035469},{"word":"figures","start":2082.6,"end":2083.1,"confidence":0.99316406,"punctuated_word":"figures.","sentiment":"neutral","sentiment_score":-0.0158357135951519},{"word":"yeah","start":2087.6401,"end":2088.1401,"confidence":0.85913086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06146509572863579},{"word":"yep","start":2119.845,"end":2120.345,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05892358347773552},{"word":"regalco","start":2127.1575,"end":2127.6575,"confidence":0.34657288,"punctuated_word":"Regalco.","sentiment":"neutral","sentiment_score":0.01875919848680496},{"word":"yep","start":2134.47,"end":2134.97,"confidence":0.76831055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03608987480401993},{"word":"yep","start":2142.4275,"end":2142.9275,"confidence":0.9338379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07965569943189621},{"word":"oh","start":2150.385,"end":2150.885,"confidence":0.52111816,"punctuated_word":"Oh.","sentiment":"neutral","sentiment_score":0.1669360250234604},{"word":"i","start":2153.985,"end":2154.065,"confidence":0.33447266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11390450596809389},{"word":"mean","start":2154.065,"end":2154.545,"confidence":0.845459,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1633792370557785},{"word":"that","start":2154.545,"end":2155.025,"confidence":0.87841797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.235114261507988},{"word":"that","start":2155.025,"end":2155.185,"confidence":0.8330078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26482537388801575},{"word":"that","start":2155.185,"end":2155.265,"confidence":0.5878906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.280872642993927},{"word":"one's","start":2155.265,"end":2155.585,"confidence":0.77734375,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.22871869802474976},{"word":"fine","start":2155.585,"end":2156.085,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.16351425647735596},{"word":"okay","start":2156.785,"end":2157.285,"confidence":0.8852539,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05172509327530861},{"word":"what","start":2157.345,"end":2157.585,"confidence":0.98291016,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.028153065592050552},{"word":"did","start":2157.585,"end":2157.825,"confidence":0.97314453,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.009604014456272124},{"word":"can","start":2157.985,"end":2158.145,"confidence":0.9873047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.016656648367643356},{"word":"i","start":2158.145,"end":2158.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004134602844715118},{"word":"ask","start":2158.305,"end":2158.705,"confidence":0.83862305,"punctuated_word":"ask?","sentiment":"neutral","sentiment_score":-0.03361331298947334},{"word":"what","start":2158.705,"end":2159.025,"confidence":0.98535156,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.08314356207847595},{"word":"did","start":2159.025,"end":2159.5051,"confidence":0.91259766,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05170980095863342},{"word":"what","start":2159.5051,"end":2159.665,"confidence":0.96240234,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05564536899328232},{"word":"did","start":2159.665,"end":2159.905,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.03613925352692604},{"word":"grandma","start":2159.905,"end":2160.385,"confidence":0.96777344,"punctuated_word":"grandma","sentiment":"neutral","sentiment_score":-0.03801055997610092},{"word":"loan","start":2160.385,"end":2160.625,"confidence":0.9716797,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.01843305677175522},{"word":"money","start":2160.625,"end":2160.945,"confidence":0.9790039,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.019135337322950363},{"word":"for","start":2160.945,"end":2161.445,"confidence":0.99658203,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.0269866194576025},{"word":"yep","start":2172.09,"end":2172.59,"confidence":0.8742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03646647557616234},{"word":"it's","start":2204.52,"end":2204.76,"confidence":0.98657227,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03857967257499695},{"word":"clear","start":2204.76,"end":2205.26,"confidence":0.9892578,"punctuated_word":"clear.","sentiment":"neutral","sentiment_score":0.033439286053180695},{"word":"yeah","start":2207.355,"end":2207.855,"confidence":0.96606445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.256724089384079},{"word":"yeah","start":2208.955,"end":2209.2751,"confidence":0.95166016,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3524819016456604},{"word":"fair","start":2209.2751,"end":2209.675,"confidence":0.94750977,"punctuated_word":"Fair.","sentiment":"positive","sentiment_score":0.4893205165863037},{"word":"it","start":2209.675,"end":2209.835,"confidence":0.9892578,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5260416865348816},{"word":"just","start":2209.835,"end":2210.155,"confidence":0.97314453,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4865320920944214},{"word":"gets","start":2210.155,"end":2210.475,"confidence":0.5395508,"punctuated_word":"gets","sentiment":"positive","sentiment_score":0.5056439638137817},{"word":"gets","start":2210.475,"end":2210.715,"confidence":0.90478516,"punctuated_word":"gets","sentiment":"positive","sentiment_score":0.4967118799686432},{"word":"us","start":2210.715,"end":2210.875,"confidence":0.9633789,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.5619968175888062},{"word":"in","start":2210.875,"end":2211.0352,"confidence":0.5800781,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6200642585754395},{"word":"a","start":2211.0352,"end":2211.115,"confidence":0.9375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5972371101379395},{"word":"little","start":2211.115,"end":2211.355,"confidence":0.9941406,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3871263861656189},{"word":"bit","start":2211.355,"end":2211.5151,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4278565645217895},{"word":"better","start":2211.5151,"end":2211.7551,"confidence":0.94970703,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.37652263045310974},{"word":"in","start":2211.7551,"end":2211.835,"confidence":0.72216797,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5316232442855835},{"word":"cash","start":2211.835,"end":2211.995,"confidence":0.50390625,"punctuated_word":"cash","sentiment":"positive","sentiment_score":0.5239878296852112},{"word":"flow","start":2211.995,"end":2212.155,"confidence":0.7783203,"punctuated_word":"flow","sentiment":"positive","sentiment_score":0.5413236618041992},{"word":"position","start":2212.155,"end":2212.655,"confidence":0.99560547,"punctuated_word":"position.","sentiment":"positive","sentiment_score":0.41766244173049927},{"word":"okay","start":2212.715,"end":2213.215,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10004444420337676},{"word":"so","start":2213.835,"end":2214.335,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0274040549993515},{"word":"do","start":2214.715,"end":2214.955,"confidence":0.6953125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.014513693749904633},{"word":"we","start":2214.955,"end":2215.115,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02595141902565956},{"word":"currently","start":2215.115,"end":2215.355,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.004340328276157379},{"word":"have","start":2215.355,"end":2215.5151,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017339296638965607},{"word":"a","start":2215.5151,"end":2215.595,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018497144803404808},{"word":"broker","start":2215.595,"end":2215.835,"confidence":0.9980469,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.03692017495632171},{"word":"that","start":2215.835,"end":2215.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014473449438810349},{"word":"we're","start":2215.995,"end":2216.155,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.02760368213057518},{"word":"talking","start":2216.155,"end":2216.475,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.038464292883872986},{"word":"to","start":2216.475,"end":2216.975,"confidence":0.9975586,"punctuated_word":"to?","sentiment":"neutral","sentiment_score":0.054408811032772064},{"word":"yep","start":2237.735,"end":2238.235,"confidence":0.87524414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15392343699932098},{"word":"yep","start":2246.775,"end":2247.275,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11251866817474364},{"word":"okay","start":2247.415,"end":2247.915,"confidence":0.9604492,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08782042562961578},{"word":"did","start":2250.1902,"end":2250.4302,"confidence":0.9921875,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.05803312733769417},{"word":"we","start":2250.4302,"end":2250.59,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10852211713790894},{"word":"go","start":2250.59,"end":2250.9102,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10613510757684708},{"word":"direct","start":2250.9102,"end":2251.1501,"confidence":0.9873047,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.07742548733949661},{"word":"to","start":2251.1501,"end":2251.31,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06029987335205078},{"word":"cba","start":2251.31,"end":2251.79,"confidence":0.8203125,"punctuated_word":"CBA,","sentiment":"neutral","sentiment_score":0.05089978501200676},{"word":"or","start":2251.79,"end":2251.87,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03695585951209068},{"word":"did","start":2251.87,"end":2252.03,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.02779584750533104},{"word":"we","start":2252.03,"end":2252.11,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0427270345389843},{"word":"go","start":2252.11,"end":2252.225,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03498934581875801},{"word":"through","start":2252.225,"end":2252.34,"confidence":0.86865234,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03896964713931084},{"word":"a","start":2252.34,"end":2252.59,"confidence":0.328125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.037706099450588226},{"word":"barcode","start":2252.59,"end":2253.09,"confidence":0.7393392,"punctuated_word":"barcode?","sentiment":"neutral","sentiment_score":0.03341955319046974},{"word":"okay","start":2256.9102,"end":2257.4102,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15706902742385864},{"word":"yep","start":2266.865,"end":2267.3452,"confidence":0.7717285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12989705801010132},{"word":"okay","start":2267.3452,"end":2267.8452,"confidence":0.9313965,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07176549732685089},{"word":"no","start":2268.225,"end":2268.385,"confidence":0.9230957,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.037404995411634445},{"word":"that's","start":2268.385,"end":2268.705,"confidence":0.9875488,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09300348162651062},{"word":"okay","start":2268.705,"end":2269.205,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.02375856786966324},{"word":"alright","start":2269.2651,"end":2269.7651,"confidence":0.99853516,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.12505528330802915},{"word":"yep","start":2286.64,"end":2287.035,"confidence":0.873291,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10020153969526292},{"word":"yeah","start":2289.595,"end":2290.095,"confidence":0.9638672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05605897679924965},{"word":"no","start":2290.4749,"end":2290.7148,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21228355169296265},{"word":"no","start":2290.7148,"end":2290.875,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2736800014972687},{"word":"it","start":2290.875,"end":2291.035,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.29990923404693604},{"word":"it","start":2291.035,"end":2291.275,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3199070990085602},{"word":"it","start":2291.275,"end":2291.355,"confidence":0.8095703,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3701586127281189},{"word":"wouldn't","start":2291.355,"end":2291.6748,"confidence":0.97314453,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.35294896364212036},{"word":"have","start":2291.6748,"end":2291.835,"confidence":0.95410156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3161776661872864},{"word":"been","start":2291.835,"end":2291.9949,"confidence":0.3779297,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3388495445251465},{"word":"like","start":2292.155,"end":2292.395,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2645600438117981},{"word":"if","start":2292.395,"end":2292.555,"confidence":1.0,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.359477162361145},{"word":"you","start":2292.555,"end":2292.795,"confidence":0.93359375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2782643437385559},{"word":"made","start":2292.795,"end":2293.035,"confidence":0.56152344,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.22310888767242432},{"word":"the","start":2293.035,"end":2293.115,"confidence":0.88183594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2491497099399567},{"word":"payment","start":2293.115,"end":2293.515,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.1892573833465576},{"word":"within","start":2293.515,"end":2294.015,"confidence":0.7895508,"punctuated_word":"within,","sentiment":"neutral","sentiment_score":-0.2960602045059204},{"word":"like","start":2294.795,"end":2295.035,"confidence":0.9921875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.33189505338668823},{"word":"pretty","start":2295.035,"end":2295.275,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.28666025400161743},{"word":"quickly","start":2295.275,"end":2295.595,"confidence":0.9807129,"punctuated_word":"quickly,","sentiment":"neutral","sentiment_score":-0.2819904386997223},{"word":"it's","start":2295.595,"end":2295.835,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.32392069697380066},{"word":"fine","start":2295.835,"end":2296.335,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.17286357283592224},{"word":"everyone","start":2297.4348,"end":2297.835,"confidence":0.6645508,"punctuated_word":"Everyone","sentiment":"neutral","sentiment_score":-0.278652161359787},{"word":"has","start":2297.835,"end":2297.9949,"confidence":0.39257812,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.24180454015731812},{"word":"a","start":2297.9949,"end":2298.075,"confidence":0.9277344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2674073278903961},{"word":"missed","start":2298.075,"end":2298.2349,"confidence":0.99121094,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.2962794005870819},{"word":"payment","start":2298.2349,"end":2298.7349,"confidence":0.9980469,"punctuated_word":"payment.","sentiment":"negative","sentiment_score":-0.3462945818901062},{"word":"okay","start":2299.275,"end":2299.775,"confidence":0.9135742,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.04273901879787445},{"word":"so","start":2301.75,"end":2302.25,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.003000915050506592},{"word":"alright","start":2303.27,"end":2303.67,"confidence":0.9980469,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.06544353812932968},{"word":"so","start":2303.67,"end":2303.91,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05359700322151184},{"word":"we're","start":2303.91,"end":2304.15,"confidence":0.97924805,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09575335681438446},{"word":"currently","start":2304.15,"end":2304.55,"confidence":0.9980469,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.12677693367004397},{"word":"going","start":2304.55,"end":2304.79,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.15360254049301147},{"word":"down","start":2304.79,"end":2305.03,"confidence":0.90283203,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16537940502166748},{"word":"broker","start":2305.03,"end":2305.27,"confidence":0.41479492,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.10963378101587296},{"word":"route","start":2305.27,"end":2305.77,"confidence":0.90893555,"punctuated_word":"route.","sentiment":"neutral","sentiment_score":0.11278662085533142},{"word":"looks","start":2306.15,"end":2306.3901,"confidence":0.80126953,"punctuated_word":"Looks","sentiment":"neutral","sentiment_score":0.2106505781412125},{"word":"like","start":2306.3901,"end":2306.55,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2302837073802948},{"word":"we","start":2306.55,"end":2306.6301,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1758577674627304},{"word":"should","start":2306.6301,"end":2306.79,"confidence":0.9980469,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.23542220890522003},{"word":"have","start":2306.79,"end":2307.03,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17831267416477203},{"word":"enough","start":2307.03,"end":2307.35,"confidence":0.9970703,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.1849214732646942},{"word":"coverage","start":2307.35,"end":2307.85,"confidence":0.8691406,"punctuated_word":"coverage.","sentiment":"neutral","sentiment_score":0.12370149791240692},{"word":"so","start":2308.95,"end":2309.45,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.056151729077100754},{"word":"if","start":2309.51,"end":2309.75,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04105263575911522},{"word":"we're","start":2309.75,"end":2310.23,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05740169808268547},{"word":"approved","start":2310.23,"end":2310.73,"confidence":0.97509766,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.10513146221637726},{"word":"for","start":2310.79,"end":2311.29,"confidence":0.78515625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0878133624792099},{"word":"yeah","start":2312.15,"end":2312.65,"confidence":0.73095703,"punctuated_word":"yeah?","sentiment":"neutral","sentiment_score":0.035941652953624725},{"word":"six","start":2315.75,"end":2315.99,"confidence":0.9902344,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.0044103143736720085},{"word":"zero","start":2315.99,"end":2316.23,"confidence":0.9838867,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.0018924959003925323},{"word":"six","start":2316.23,"end":2316.47,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.003209194168448448},{"word":"bowing","start":2316.47,"end":2316.97,"confidence":0.6175537,"punctuated_word":"bowing?","sentiment":"neutral","sentiment_score":0.005281166173517704},{"word":"did","start":2319.1648,"end":2319.4048,"confidence":0.7788086,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.007102448493242264},{"word":"you","start":2319.4048,"end":2319.4849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015061656013131142},{"word":"say","start":2319.4849,"end":2319.9849,"confidence":0.99853516,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":-0.016745366156101227},{"word":"okay","start":2327.8848,"end":2328.3848,"confidence":0.9616699,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02499204128980637},{"word":"yeah","start":2331.085,"end":2331.585,"confidence":0.7459717,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034878820180892944},{"word":"can","start":2333.22,"end":2333.46,"confidence":0.9941406,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.00951114296913147},{"word":"i","start":2333.46,"end":2333.78,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02471724897623062},{"word":"ask","start":2333.78,"end":2334.28,"confidence":0.85131836,"punctuated_word":"ask,","sentiment":"neutral","sentiment_score":0.011157061904668808},{"word":"did","start":2334.34,"end":2334.58,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.027799874544143677},{"word":"we","start":2334.58,"end":2335.08,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0031879395246505737},{"word":"have","start":2335.38,"end":2335.54,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02221213281154633},{"word":"the","start":2335.54,"end":2335.7,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01458018273115158},{"word":"discussion","start":2335.7,"end":2336.1,"confidence":1.0,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.0074481964111328125},{"word":"with","start":2336.1,"end":2336.34,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.015636615455150604},{"word":"the","start":2336.34,"end":2336.42,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011964194476604462},{"word":"broker","start":2336.42,"end":2336.92,"confidence":0.99902344,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.0012708231806755066},{"word":"about","start":2336.98,"end":2337.48,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.015589594841003418},{"word":"doing","start":2337.54,"end":2338.04,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.01305372267961502},{"word":"alternatives","start":2338.66,"end":2339.16,"confidence":0.85498047,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":-0.008667699992656708},{"word":"to","start":2339.54,"end":2339.8599,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002513118088245392},{"word":"putting","start":2339.8599,"end":2340.18,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.020026303827762604},{"word":"it","start":2340.18,"end":2340.34,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02927121520042419},{"word":"all","start":2340.34,"end":2340.58,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.008326247334480286},{"word":"on","start":2340.58,"end":2340.74,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.008441522717475891},{"word":"the","start":2340.74,"end":2340.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0001913011074066162},{"word":"mortgage","start":2340.82,"end":2341.32,"confidence":0.83569336,"punctuated_word":"mortgage?","sentiment":"neutral","sentiment_score":-0.00883081741631031},{"word":"like","start":2342.5,"end":2342.82,"confidence":0.91503906,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.007490538060665131},{"word":"having","start":2342.82,"end":2343.32,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.013580940663814545},{"word":"a","start":2343.94,"end":2344.18,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00314900279045105},{"word":"couple","start":2344.18,"end":2344.58,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.009489335119724274},{"word":"of","start":2344.58,"end":2344.74,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0020286068320274353},{"word":"different","start":2344.74,"end":2345.06,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.008692167699337006},{"word":"loans","start":2345.06,"end":2345.3,"confidence":0.98535156,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.03031327575445175},{"word":"on","start":2345.3,"end":2345.46,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02968377247452736},{"word":"the","start":2345.46,"end":2345.54,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014315351843833923},{"word":"mortgage","start":2345.54,"end":2345.94,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.009276185184717178},{"word":"where","start":2345.94,"end":2346.18,"confidence":0.93408203,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.013519983738660812},{"word":"we","start":2346.18,"end":2346.34,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0019269734621047976},{"word":"just","start":2346.34,"end":2346.58,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002391710877418518},{"word":"use","start":2346.58,"end":2347.08,"confidence":0.88793945,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":0.0013264678418636322},{"word":"like","start":2347.175,"end":2347.575,"confidence":0.7910156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.005185674875974655},{"word":"we","start":2347.575,"end":2347.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03201160579919815},{"word":"put","start":2347.815,"end":2348.055,"confidence":0.85717773,"punctuated_word":"put,","sentiment":"neutral","sentiment_score":0.008260488510131836},{"word":"say","start":2348.055,"end":2348.555,"confidence":0.99658203,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.013212274760007858},{"word":"grandma","start":2349.575,"end":2350.075,"confidence":0.9838867,"punctuated_word":"grandma","sentiment":"neutral","sentiment_score":0.0377032607793808},{"word":"home","start":2350.135,"end":2350.455,"confidence":0.9838867,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.01062621921300888},{"word":"loan","start":2350.455,"end":2350.955,"confidence":0.9042969,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.005198365077376366},{"word":"my","start":2352.615,"end":2352.855,"confidence":0.98291016,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2232271134853363},{"word":"biggest","start":2352.855,"end":2353.255,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.2275062799453735},{"word":"concern","start":2353.255,"end":2353.4949,"confidence":1.0,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.24835047125816345},{"word":"is","start":2353.4949,"end":2353.575,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2700235843658447},{"word":"and","start":2353.655,"end":2353.815,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2275695949792862},{"word":"i","start":2353.815,"end":2354.055,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2828642427921295},{"word":"i","start":2354.055,"end":2354.135,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2928602397441864},{"word":"like","start":2354.135,"end":2354.375,"confidence":0.75097656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2174324691295624},{"word":"and","start":2354.535,"end":2354.695,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17583653330802915},{"word":"i","start":2354.695,"end":2354.935,"confidence":0.9160156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2632562518119812},{"word":"i'm","start":2355.015,"end":2355.095,"confidence":0.88793945,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1872638463973999},{"word":"again","start":2355.175,"end":2355.575,"confidence":0.9975586,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.13459840416908264},{"word":"i'm","start":2355.575,"end":2355.7349,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2661859095096588},{"word":"just","start":2355.7349,"end":2356.055,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2682189345359802},{"word":"kind","start":2356.055,"end":2356.295,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.28979983925819397},{"word":"of","start":2356.295,"end":2356.455,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28984522819519043},{"word":"without","start":2356.535,"end":2356.855,"confidence":1.0,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.31958216428756714},{"word":"having","start":2356.855,"end":2357.095,"confidence":1.0,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.3526975214481354},{"word":"a","start":2357.095,"end":2357.175,"confidence":0.6220703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3526183068752289},{"word":"look","start":2357.175,"end":2357.255,"confidence":1.0,"punctuated_word":"look","sentiment":"negative","sentiment_score":-0.3536756932735443},{"word":"at","start":2357.255,"end":2357.415,"confidence":0.99902344,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3478270173072815},{"word":"the","start":2357.415,"end":2357.4949,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26848161220550537},{"word":"proposal","start":2357.4949,"end":2357.895,"confidence":0.95825195,"punctuated_word":"proposal,","sentiment":"neutral","sentiment_score":-0.30645036697387695},{"word":"i'm","start":2357.895,"end":2358.055,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2861069142818451},{"word":"just","start":2358.055,"end":2358.455,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.3136782646179199},{"word":"kind","start":2358.455,"end":2358.695,"confidence":0.5957031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.24989473819732663},{"word":"of","start":2358.695,"end":2359.015,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22852644324302673},{"word":"looking","start":2359.015,"end":2359.335,"confidence":0.99609375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.25717246532440186},{"word":"at","start":2359.335,"end":2359.4949,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2864968478679657},{"word":"it","start":2359.4949,"end":2359.98,"confidence":0.9904785,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.26658621430397034},{"word":"grandma's","start":2360.6199,"end":2361.1199,"confidence":0.9951172,"punctuated_word":"Grandma's","sentiment":"neutral","sentiment_score":-0.3025970757007599},{"word":"interest","start":2361.66,"end":2362.06,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.32390427589416504},{"word":"rate's","start":2362.06,"end":2362.54,"confidence":0.77246094,"punctuated_word":"rate's","sentiment":"neutral","sentiment_score":-0.27033138275146484},{"word":"really","start":2362.54,"end":2362.94,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.28602325916290283},{"word":"low","start":2362.94,"end":2363.18,"confidence":0.9980469,"punctuated_word":"low","sentiment":"neutral","sentiment_score":-0.20988905429840088},{"word":"when","start":2363.18,"end":2363.42,"confidence":0.67089844,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1979203969240189},{"word":"it's","start":2363.42,"end":2363.5,"confidence":0.98999023,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.25514188408851624},{"word":"a","start":2363.5,"end":2363.66,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2377445250749588},{"word":"family","start":2363.66,"end":2364.06,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.29508185386657715},{"word":"loan","start":2364.06,"end":2364.3,"confidence":0.87524414,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":-0.26845240592956543},{"word":"so","start":2364.3,"end":2364.46,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.321297287940979},{"word":"it's","start":2364.46,"end":2364.7,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.360062837600708},{"word":"not","start":2364.7,"end":2364.94,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3868910074234009},{"word":"really","start":2364.94,"end":2365.44,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.3429567813873291},{"word":"like","start":2365.82,"end":2366.06,"confidence":0.94091797,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3635788559913635},{"word":"by","start":2366.06,"end":2366.22,"confidence":0.7036133,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.3729347288608551},{"word":"the","start":2366.22,"end":2366.3,"confidence":0.8198242,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3398312032222748},{"word":"time","start":2366.3,"end":2366.46,"confidence":0.97802734,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.23906049132347107},{"word":"of","start":2366.46,"end":2366.54,"confidence":0.27661133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.287922739982605},{"word":"it","start":2366.54,"end":2366.7,"confidence":0.77197266,"punctuated_word":"it,","sentiment":"negative","sentiment_score":-0.3350658416748047},{"word":"it's","start":2366.7,"end":2366.8599,"confidence":0.9543457,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3622559905052185},{"word":"not","start":2366.8599,"end":2367.02,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3702507019042969},{"word":"really","start":2367.02,"end":2367.18,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.3114362955093384},{"word":"an","start":2367.18,"end":2367.34,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2986503839492798},{"word":"interest","start":2367.34,"end":2367.66,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.3118968605995178},{"word":"rate","start":2367.66,"end":2367.9,"confidence":0.98535156,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.24404653906822205},{"word":"that's","start":2367.9,"end":2368.3,"confidence":0.94750977,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4298885762691498},{"word":"compounding","start":2368.3,"end":2368.8,"confidence":0.85465497,"punctuated_word":"compounding.","sentiment":"negative","sentiment_score":-0.3477058410644531},{"word":"and","start":2369.82,"end":2370.06,"confidence":0.7553711,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16040095686912537},{"word":"we're","start":2370.06,"end":2370.22,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.17114345729351044},{"word":"gonna","start":2370.22,"end":2370.46,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.005959082394838333},{"word":"go","start":2370.46,"end":2370.54,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04895827919244766},{"word":"and","start":2370.54,"end":2370.7,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028081446886062626},{"word":"put","start":2370.7,"end":2370.78,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.027883514761924744},{"word":"a","start":2370.78,"end":2370.94,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.038481175899505615},{"word":"$100","start":2370.94,"end":2371.42,"confidence":0.9980469,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.06464247405529022},{"word":"on","start":2371.42,"end":2371.58,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06425891816616058},{"word":"our","start":2371.58,"end":2371.74,"confidence":0.9819336,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.02251261845231056},{"word":"home","start":2371.74,"end":2371.98,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.03164276108145714},{"word":"loan","start":2371.98,"end":2372.06,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.031426385045051575},{"word":"that","start":2372.06,"end":2372.22,"confidence":0.93359375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03762369602918625},{"word":"we're","start":2372.22,"end":2372.38,"confidence":0.98095703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.018106618896126747},{"word":"then","start":2372.38,"end":2372.54,"confidence":0.9941406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.007934223860502243},{"word":"gonna","start":2372.54,"end":2372.7,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0013420023024082184},{"word":"pay","start":2372.7,"end":2372.94,"confidence":0.9716797,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04766083508729935},{"word":"off","start":2372.94,"end":2373.1,"confidence":0.9863281,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.016396723687648773},{"word":"over","start":2373.1,"end":2373.34,"confidence":0.9291992,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.019914735108613968},{"word":"thirty","start":2373.34,"end":2373.66,"confidence":0.9863281,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.00664173811674118},{"word":"years","start":2373.66,"end":2373.9,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0088065005838871},{"word":"at","start":2373.9,"end":2374.06,"confidence":0.9746094,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.01590694487094879},{"word":"let's","start":2374.06,"end":2374.365,"confidence":0.9946289,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.0013244077563285828},{"word":"say","start":2374.365,"end":2374.445,"confidence":0.99316406,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0003008432686328888},{"word":"a","start":2374.445,"end":2374.685,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026024458929896355},{"word":"six","start":2374.685,"end":2374.845,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.01982499659061432},{"word":"point","start":2374.845,"end":2375.005,"confidence":0.9980469,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.018906939774751663},{"word":"something","start":2375.005,"end":2375.325,"confidence":0.99609375,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.00809556245803833},{"word":"percent","start":2375.325,"end":2375.645,"confidence":0.9873047,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.03266390785574913},{"word":"interest","start":2375.645,"end":2376.125,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.023297391831874847},{"word":"rate","start":2376.125,"end":2376.625,"confidence":0.91259766,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.008232397958636284},{"word":"so","start":2376.925,"end":2377.405,"confidence":0.86328125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02118619531393051},{"word":"over","start":2377.405,"end":2377.565,"confidence":0.99121094,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.008136041462421417},{"word":"the","start":2377.565,"end":2377.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006647560745477676},{"word":"next","start":2377.725,"end":2377.965,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.027302678674459457},{"word":"thirty","start":2377.965,"end":2378.205,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.0025941692292690277},{"word":"years","start":2378.205,"end":2378.605,"confidence":0.99609375,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.002254446968436241},{"word":"we're","start":2378.605,"end":2378.845,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.020370224490761757},{"word":"gonna","start":2378.845,"end":2379.165,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.025410719215869904},{"word":"end","start":2379.165,"end":2379.325,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.00812586396932602},{"word":"up","start":2379.325,"end":2379.565,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.031807467341423035},{"word":"compounding","start":2379.565,"end":2379.965,"confidence":1.0,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.01560523733496666},{"word":"that","start":2379.965,"end":2380.205,"confidence":0.87841797,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.019596263766288757},{"word":"and","start":2380.205,"end":2380.365,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02183881402015686},{"word":"it's","start":2380.365,"end":2380.525,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.037318769842386246},{"word":"gonna","start":2380.525,"end":2380.845,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.05216881260275841},{"word":"be","start":2380.845,"end":2381.345,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01925043761730194},{"word":"much","start":2381.965,"end":2382.205,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.007982388138771057},{"word":"more","start":2382.205,"end":2382.365,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0034743621945381165},{"word":"than","start":2382.365,"end":2382.525,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0635627955198288},{"word":"we","start":2382.525,"end":2382.605,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06893669068813324},{"word":"would","start":2382.605,"end":2382.845,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12573009729385376},{"word":"have","start":2382.845,"end":2382.925,"confidence":0.49560547,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0690189003944397},{"word":"paid","start":2382.925,"end":2383.085,"confidence":0.90478516,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.08376587182283401},{"word":"grandma","start":2383.085,"end":2383.585,"confidence":0.9851074,"punctuated_word":"grandma.","sentiment":"neutral","sentiment_score":-0.10492317378520966},{"word":"while","start":2383.885,"end":2384.125,"confidence":0.99316406,"punctuated_word":"While","sentiment":"neutral","sentiment_score":-0.018121693283319473},{"word":"i","start":2384.125,"end":2384.285,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.032842956483364105},{"word":"get","start":2384.285,"end":2384.605,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02199453115463257},{"word":"that","start":2384.605,"end":2384.925,"confidence":0.9970703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.032608263194561005},{"word":"you","start":2384.925,"end":2385.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05876084417104721},{"word":"know","start":2385.085,"end":2385.585,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05223074555397034},{"word":"paying","start":2385.645,"end":2385.965,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.055757053196430206},{"word":"back","start":2385.965,"end":2386.205,"confidence":0.9716797,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.06595830619335175},{"word":"family","start":2386.205,"end":2386.525,"confidence":0.9980469,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.10205003619194032},{"word":"and","start":2386.525,"end":2386.685,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06841886043548584},{"word":"not","start":2386.685,"end":2386.845,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09950802475214005},{"word":"having","start":2386.845,"end":2387.085,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1119595617055893},{"word":"that","start":2387.085,"end":2387.2449,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11049427092075348},{"word":"overhead","start":2387.2449,"end":2387.7449,"confidence":0.9951172,"punctuated_word":"overhead","sentiment":"neutral","sentiment_score":-0.07737602293491364},{"word":"is","start":2387.805,"end":2388.045,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09157651662826538},{"word":"important","start":2388.045,"end":2388.545,"confidence":0.9562988,"punctuated_word":"important,","sentiment":"neutral","sentiment_score":-0.08767788112163544},{"word":"i'm","start":2388.97,"end":2389.21,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09232761710882188},{"word":"just","start":2389.21,"end":2389.29,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07511985301971436},{"word":"wondering","start":2389.29,"end":2389.61,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.08406594395637512},{"word":"whether","start":2389.61,"end":2389.85,"confidence":0.9951172,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.057497382164001465},{"word":"from","start":2389.85,"end":2390.01,"confidence":0.85498047,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07246121019124985},{"word":"a","start":2390.01,"end":2390.1702,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06996458768844604},{"word":"cash","start":2390.1702,"end":2390.33,"confidence":0.9951172,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.04701364785432816},{"word":"flow","start":2390.33,"end":2390.57,"confidence":0.9453125,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.006230026483535767},{"word":"perspective","start":2390.57,"end":2391.05,"confidence":0.9489746,"punctuated_word":"perspective,","sentiment":"neutral","sentiment_score":-0.03220071643590927},{"word":"is","start":2391.05,"end":2391.21,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.055749792605638504},{"word":"there","start":2391.21,"end":2391.37,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.07774719595909119},{"word":"an","start":2391.37,"end":2391.61,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0630631372332573},{"word":"alternative","start":2391.61,"end":2392.11,"confidence":0.99902344,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.05940449237823486},{"word":"where","start":2392.57,"end":2392.73,"confidence":0.96240234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0004168674349784851},{"word":"we","start":2392.73,"end":2392.8901,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.004194069653749466},{"word":"could","start":2392.8901,"end":2393.05,"confidence":0.9526367,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.009545974433422089},{"word":"structure","start":2393.05,"end":2393.45,"confidence":0.99121094,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":-0.022483784705400467},{"word":"the","start":2393.45,"end":2393.61,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02182343602180481},{"word":"loan","start":2393.61,"end":2394.11,"confidence":0.8786621,"punctuated_word":"loan?","sentiment":"neutral","sentiment_score":-0.022910330444574356},{"word":"i'm","start":2394.97,"end":2395.1301,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.018854916095733643},{"word":"gonna","start":2395.1301,"end":2395.37,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02279685251414776},{"word":"be","start":2395.37,"end":2395.45,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015478167682886124},{"word":"clear","start":2395.45,"end":2395.69,"confidence":0.8515625,"punctuated_word":"clear.","sentiment":"neutral","sentiment_score":0.011532088741660118},{"word":"not","start":2395.69,"end":2395.9302,"confidence":0.52246094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.04637307673692703},{"word":"a","start":2395.9302,"end":2396.09,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06364727020263672},{"word":"mortgage","start":2396.09,"end":2396.4102,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.12548136711120603},{"word":"broker","start":2396.4102,"end":2396.81,"confidence":0.8532715,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":-0.06689980626106262},{"word":"but","start":2396.81,"end":2397.05,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04677422717213631},{"word":"have","start":2397.05,"end":2397.29,"confidence":0.84277344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03988967463374138},{"word":"seen","start":2397.29,"end":2397.53,"confidence":0.9980469,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.02099727839231491},{"word":"it","start":2397.53,"end":2397.61,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.014049898833036424},{"word":"plenty","start":2397.61,"end":2397.9302,"confidence":1.0,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.0275505855679512},{"word":"of","start":2397.9302,"end":2398.09,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007944289594888687},{"word":"times","start":2398.09,"end":2398.59,"confidence":0.8198242,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.017651572823524475},{"word":"where","start":2398.6501,"end":2398.8901,"confidence":0.5703125,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0002609267830848694},{"word":"we","start":2398.8901,"end":2398.97,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00450587272644043},{"word":"can","start":2398.97,"end":2399.21,"confidence":0.98535156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.007761240005493164},{"word":"structure","start":2399.21,"end":2399.53,"confidence":0.9970703,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.0131746307015419},{"word":"the","start":2399.53,"end":2399.69,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006612911820411682},{"word":"loan","start":2399.69,"end":2400.01,"confidence":0.9980469,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.006141506135463715},{"word":"to","start":2400.01,"end":2400.1702,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010834503918886185},{"word":"have","start":2400.1702,"end":2400.6702,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02777696773409843},{"word":"the","start":2400.97,"end":2401.1301,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016037382185459137},{"word":"mortgage","start":2401.1301,"end":2401.6301,"confidence":0.99902344,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.008030544966459274},{"word":"two","start":2402.595,"end":2402.675,"confidence":0.6455078,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.00013344734907150269},{"word":"loans","start":2402.675,"end":2403.175,"confidence":0.99902344,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.006664171814918518},{"word":"consolidated","start":2403.235,"end":2403.735,"confidence":0.99609375,"punctuated_word":"consolidated","sentiment":"neutral","sentiment_score":0.02591949701309204},{"word":"and","start":2403.795,"end":2403.955,"confidence":0.85546875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008760932832956314},{"word":"then","start":2403.955,"end":2404.195,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.006026420742273331},{"word":"have","start":2404.195,"end":2404.695,"confidence":0.9370117,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.012239484116435053},{"word":"like","start":2405.075,"end":2405.315,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.015167690813541412},{"word":"the","start":2405.315,"end":2405.555,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008747834712266922},{"word":"smaller","start":2405.555,"end":2406.055,"confidence":0.9863281,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.03094151616096497},{"word":"zip","start":2406.355,"end":2406.855,"confidence":0.26098633,"punctuated_word":"ZIP","sentiment":"neutral","sentiment_score":0.007288146764039993},{"word":"credit","start":2407.075,"end":2407.395,"confidence":0.9560547,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":0.016425970941781998},{"word":"card","start":2407.395,"end":2407.895,"confidence":0.7661133,"punctuated_word":"card,","sentiment":"neutral","sentiment_score":0.012325420044362543},{"word":"dad","start":2408.035,"end":2408.435,"confidence":0.88549805,"punctuated_word":"dad,","sentiment":"neutral","sentiment_score":0.012081455439329147},{"word":"mom","start":2408.435,"end":2408.915,"confidence":0.9094238,"punctuated_word":"mom,","sentiment":"neutral","sentiment_score":0.004012789577245712},{"word":"grandma","start":2408.915,"end":2409.415,"confidence":0.9291992,"punctuated_word":"grandma","sentiment":"neutral","sentiment_score":0.002648071851581335},{"word":"on","start":2410.115,"end":2410.355,"confidence":0.54248047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.010166116058826448},{"word":"another","start":2410.355,"end":2410.855,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.03214437514543533},{"word":"loan","start":2410.915,"end":2411.315,"confidence":0.99609375,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.0032666847109794617},{"word":"that","start":2411.315,"end":2411.555,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0024201571941375732},{"word":"is","start":2411.555,"end":2411.955,"confidence":0.9667969,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.011374987661838531},{"word":"using","start":2411.955,"end":2412.275,"confidence":0.97998047,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.005172766745090485},{"word":"the","start":2412.275,"end":2412.435,"confidence":0.9375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0037460066378116608},{"word":"equity","start":2412.435,"end":2412.835,"confidence":0.9980469,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.02320951223373413},{"word":"of","start":2412.835,"end":2412.915,"confidence":0.92578125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0031084641814231873},{"word":"the","start":2412.915,"end":2413.075,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0007303804159164429},{"word":"house","start":2413.075,"end":2413.575,"confidence":0.9970703,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.019028961658477783},{"word":"using","start":2414.355,"end":2414.595,"confidence":0.7973633,"punctuated_word":"using","sentiment":"neutral","sentiment_score":-0.0001534484326839447},{"word":"the","start":2414.595,"end":2414.755,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0011606402695178986},{"word":"ex","start":2414.755,"end":2414.915,"confidence":0.34643555,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.0018683597445487976},{"word":"like","start":2415.075,"end":2415.235,"confidence":0.9765625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.014493755996227264},{"word":"using","start":2415.235,"end":2415.635,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":-0.0039006173610687256},{"word":"the","start":2415.635,"end":2415.875,"confidence":0.9472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0026463493704795837},{"word":"home","start":2415.875,"end":2416.115,"confidence":0.99609375,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.019577134400606155},{"word":"loan","start":2416.115,"end":2416.355,"confidence":0.9970703,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.010620001703500748},{"word":"rate","start":2416.355,"end":2416.8,"confidence":0.78125,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":-0.005874805152416229},{"word":"but","start":2417.04,"end":2417.28,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02563358843326569},{"word":"not","start":2417.28,"end":2417.44,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06311812996864319},{"word":"over","start":2417.44,"end":2417.76,"confidence":0.9970703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.041945312172174454},{"word":"thirty","start":2417.76,"end":2418.0,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.03818220645189285},{"word":"years","start":2418.0,"end":2418.5,"confidence":0.80688477,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.04979395121335983},{"word":"or","start":2419.36,"end":2419.68,"confidence":0.9951172,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.03630485385656357},{"word":"have","start":2419.68,"end":2419.9202,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03895753249526024},{"word":"it","start":2419.9202,"end":2420.08,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029708456248044968},{"word":"over","start":2420.08,"end":2420.24,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.029878001660108566},{"word":"thirty","start":2420.24,"end":2420.48,"confidence":0.9970703,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.028638117015361782},{"word":"years","start":2420.48,"end":2420.72,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.03311380743980408},{"word":"to","start":2420.72,"end":2420.8801,"confidence":0.8378906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04797198250889778},{"word":"have","start":2420.8801,"end":2421.04,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04326016828417778},{"word":"it","start":2421.04,"end":2421.12,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.040547799319028854},{"word":"on","start":2421.12,"end":2421.2002,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04578316956758499},{"word":"a","start":2421.2002,"end":2421.28,"confidence":0.9326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05336335301399231},{"word":"second","start":2421.28,"end":2421.6,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.05093709006905556},{"word":"account","start":2421.6,"end":2421.84,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.027203895151615143},{"word":"where","start":2421.84,"end":2422.08,"confidence":0.96240234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03207092732191086},{"word":"we","start":2422.08,"end":2422.56,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02055421844124794},{"word":"smash","start":2422.56,"end":2422.96,"confidence":0.6948242,"punctuated_word":"smash","sentiment":"neutral","sentiment_score":-0.03871700167655945},{"word":"money","start":2422.96,"end":2423.2,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.013261690735816956},{"word":"into","start":2423.2,"end":2423.44,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.015911221504211426},{"word":"that","start":2423.44,"end":2423.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02553492411971092},{"word":"one","start":2423.68,"end":2424.1602,"confidence":0.83740234,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.052255261689424515},{"word":"pay","start":2424.1602,"end":2424.4001,"confidence":0.99902344,"punctuated_word":"Pay","sentiment":"neutral","sentiment_score":-0.061370670795440674},{"word":"minimums","start":2424.4001,"end":2424.8801,"confidence":0.9980469,"punctuated_word":"minimums","sentiment":"neutral","sentiment_score":-0.03657419979572296},{"word":"on","start":2424.8801,"end":2425.04,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.023947834968566895},{"word":"the","start":2425.04,"end":2425.2,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03207866847515106},{"word":"home","start":2425.2,"end":2425.44,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.033880896866321564},{"word":"loan","start":2425.44,"end":2425.68,"confidence":0.9970703,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.016456440091133118},{"word":"and","start":2425.68,"end":2425.9202,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04375375807285309},{"word":"smash","start":2425.9202,"end":2426.24,"confidence":0.9819336,"punctuated_word":"smash","sentiment":"neutral","sentiment_score":-0.022904977202415463},{"word":"off","start":2426.24,"end":2426.4001,"confidence":0.98095703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.01978015154600143},{"word":"the","start":2426.4001,"end":2426.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02044342085719109},{"word":"rest","start":2426.48,"end":2426.72,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.027619432657957077},{"word":"of","start":2426.72,"end":2426.8801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0005239769816398621},{"word":"it","start":2426.8801,"end":2427.36,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016671843826770782},{"word":"and","start":2427.36,"end":2427.6,"confidence":0.6948242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.022746708244085312},{"word":"have","start":2427.6,"end":2427.9202,"confidence":0.984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01057981699705124},{"word":"two","start":2427.9202,"end":2428.08,"confidence":0.9658203,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.007270582020282745},{"word":"loans","start":2428.08,"end":2428.48,"confidence":0.9980469,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.0010637938976287842},{"word":"on","start":2428.48,"end":2428.6401,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01935489848256111},{"word":"the","start":2428.6401,"end":2428.72,"confidence":0.7207031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014840614050626756},{"word":"house","start":2428.72,"end":2429.175,"confidence":0.9790039,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.017426665872335434},{"word":"rather","start":2429.975,"end":2430.215,"confidence":0.99902344,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.0359993614256382},{"word":"than","start":2430.215,"end":2430.455,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.04853682592511177},{"word":"just","start":2430.455,"end":2430.695,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1282772421836853},{"word":"i'm","start":2430.7751,"end":2430.935,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1746290624141693},{"word":"just","start":2430.935,"end":2431.175,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.19557610154151917},{"word":"concerned","start":2431.175,"end":2431.575,"confidence":1.0,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.25262871384620667},{"word":"about","start":2431.575,"end":2431.895,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.3302116394042969},{"word":"putting","start":2431.895,"end":2432.2952,"confidence":1.0,"punctuated_word":"putting","sentiment":"negative","sentiment_score":-0.3754733204841614},{"word":"all","start":2432.2952,"end":2432.5352,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.3103630542755127},{"word":"of","start":2432.5352,"end":2432.695,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4570605754852295},{"word":"it","start":2432.695,"end":2433.0151,"confidence":0.9873047,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3862561583518982},{"word":"into","start":2433.0151,"end":2433.495,"confidence":0.984375,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.46140193939208984},{"word":"one","start":2433.495,"end":2433.735,"confidence":0.99902344,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.39178356528282166},{"word":"mortgage","start":2433.735,"end":2434.135,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.2698584496974945},{"word":"and","start":2434.135,"end":2434.2952,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.26903149485588074},{"word":"having","start":2434.2952,"end":2434.7952,"confidence":1.0,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.3398956060409546},{"word":"i","start":2435.895,"end":2436.055,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2681538164615631},{"word":"mean","start":2436.055,"end":2436.2952,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.2699667811393738},{"word":"dad","start":2436.2952,"end":2436.5352,"confidence":0.8964844,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.27426084876060486},{"word":"and","start":2436.5352,"end":2436.695,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27725571393966675},{"word":"grandma","start":2436.695,"end":2437.095,"confidence":0.8000488,"punctuated_word":"grandma,","sentiment":"neutral","sentiment_score":-0.24550585448741913},{"word":"we're","start":2437.095,"end":2437.2551,"confidence":0.9926758,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2742909789085388},{"word":"not","start":2437.2551,"end":2437.495,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3017885982990265},{"word":"paying","start":2437.495,"end":2437.815,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.3233686685562134},{"word":"interest","start":2437.815,"end":2438.215,"confidence":0.9941406,"punctuated_word":"interest","sentiment":"negative","sentiment_score":-0.3709302544593811},{"word":"really","start":2438.215,"end":2438.715,"confidence":0.5878906,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.31723660230636597},{"word":"if","start":2439.175,"end":2439.335,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.1572035253047943},{"word":"i'm","start":2439.335,"end":2439.575,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12527583539485931},{"word":"being","start":2439.575,"end":2439.815,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.08798352628946304},{"word":"frank","start":2439.815,"end":2440.215,"confidence":0.9760742,"punctuated_word":"frank,","sentiment":"neutral","sentiment_score":-0.08212985843420029},{"word":"that's","start":2440.215,"end":2440.5352,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09120406955480576},{"word":"a","start":2440.5352,"end":2440.615,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09201818704605104},{"word":"$113,500","start":2440.615,"end":2443.175,"confidence":0.9986979,"punctuated_word":"$113,500","sentiment":"neutral","sentiment_score":-0.05830615386366844},{"word":"that","start":2443.175,"end":2443.44,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08825573325157166},{"word":"is","start":2443.92,"end":2444.0798,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.096146821975708},{"word":"currently","start":2444.0798,"end":2444.48,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.123891681432724},{"word":"technically","start":2444.48,"end":2444.96,"confidence":0.92333984,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.07797734439373016},{"word":"interest","start":2444.96,"end":2445.28,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.09358210861682892},{"word":"free","start":2445.28,"end":2445.44,"confidence":0.9892578,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.06183108314871788},{"word":"that","start":2445.44,"end":2445.5999,"confidence":0.9394531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10349629819393158},{"word":"you're","start":2445.5999,"end":2445.8398,"confidence":0.9741211,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11124687641859056},{"word":"gonna","start":2445.8398,"end":2446.0798,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08844024688005447},{"word":"go","start":2446.0798,"end":2446.24,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0531427338719368},{"word":"and","start":2446.24,"end":2446.4,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07364773005247116},{"word":"put","start":2446.4,"end":2446.72,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.06326157599687576},{"word":"6%","start":2446.72,"end":2447.28,"confidence":0.98168945,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":-0.0333680585026741},{"word":"interest","start":2447.28,"end":2447.68,"confidence":0.99609375,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.04771757870912552},{"word":"for","start":2447.68,"end":2447.8398,"confidence":0.9716797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0716533213853836},{"word":"thirty","start":2447.8398,"end":2448.0798,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.05870034173130989},{"word":"years","start":2448.0798,"end":2448.4,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.08882177621126175},{"word":"on","start":2448.4,"end":2448.9,"confidence":0.9892578,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.07448422908782959},{"word":"yep","start":2468.095,"end":2468.37,"confidence":0.9313965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.006764241959899664},{"word":"yeah","start":2471.8901,"end":2472.2102,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0040132515132427216},{"word":"basically","start":2472.2102,"end":2472.6902,"confidence":0.92993164,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.019897855818271637},{"word":"just","start":2472.6902,"end":2472.9302,"confidence":0.9589844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01916172355413437},{"word":"pinball","start":2472.9302,"end":2473.33,"confidence":0.951416,"punctuated_word":"pinball","sentiment":"neutral","sentiment_score":-0.04434885457158089},{"word":"the","start":2473.33,"end":2473.4902,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.055674873292446136},{"word":"money","start":2473.4902,"end":2473.8901,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.0034676343202590942},{"word":"around","start":2473.8901,"end":2474.37,"confidence":0.8156738,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.0023764148354530334},{"word":"let","start":2474.37,"end":2474.61,"confidence":0.9951172,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.006961733102798462},{"word":"people","start":2474.61,"end":2474.85,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.014456912875175476},{"word":"get","start":2474.85,"end":2475.01,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02533944696187973},{"word":"equity","start":2475.01,"end":2475.33,"confidence":0.9819336,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.01131252944469452},{"word":"in","start":2475.33,"end":2475.4102,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0009274184703826904},{"word":"their","start":2475.4102,"end":2475.57,"confidence":0.70458984,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.01591017097234726},{"word":"home","start":2475.57,"end":2475.81,"confidence":0.8833008,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.011022206395864488},{"word":"and","start":2475.81,"end":2475.9702,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04501065984368324},{"word":"then","start":2475.9702,"end":2476.29,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.033370744436979294},{"word":"throw","start":2476.29,"end":2476.53,"confidence":0.9370117,"punctuated_word":"throw","sentiment":"neutral","sentiment_score":-0.03531882166862488},{"word":"it","start":2476.53,"end":2476.61,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06970815360546112},{"word":"back","start":2476.61,"end":2476.77,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07011301815509796},{"word":"out","start":2476.77,"end":2477.01,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05899820849299431},{"word":"and","start":2477.01,"end":2477.25,"confidence":0.87890625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0678362250328064},{"word":"handball","start":2477.25,"end":2477.6501,"confidence":0.77978516,"punctuated_word":"handball","sentiment":"neutral","sentiment_score":-0.05897388234734535},{"word":"it","start":2477.6501,"end":2477.7302,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04503574222326279},{"word":"again","start":2477.7302,"end":2478.1301,"confidence":0.9970703,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.039339374750852585},{"word":"no","start":2478.1301,"end":2478.29,"confidence":0.74902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14294663071632385},{"word":"i","start":2478.29,"end":2478.4502,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13502390682697296},{"word":"get","start":2478.4502,"end":2478.61,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1141829788684845},{"word":"that","start":2478.61,"end":2478.77,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1298483908176422},{"word":"from","start":2478.77,"end":2478.9302,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1128159612417221},{"word":"her","start":2478.9302,"end":2479.09,"confidence":0.99316406,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.06642813235521317},{"word":"point","start":2479.09,"end":2479.25,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.0936378687620163},{"word":"of","start":2479.25,"end":2479.4102,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06860914826393127},{"word":"view","start":2479.4102,"end":2479.7302,"confidence":1.0,"punctuated_word":"view.","sentiment":"neutral","sentiment_score":-0.09599274396896362},{"word":"okay","start":2479.7302,"end":2480.2302,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.014213385060429571},{"word":"so","start":2480.53,"end":2480.85,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03214925155043602},{"word":"hands","start":2480.85,"end":2481.09,"confidence":0.7685547,"punctuated_word":"hands","sentiment":"neutral","sentiment_score":-0.02293415740132332},{"word":"tied","start":2481.09,"end":2481.33,"confidence":0.9658203,"punctuated_word":"tied","sentiment":"neutral","sentiment_score":-0.015801291912794113},{"word":"behind","start":2481.33,"end":2481.6501,"confidence":0.9941406,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":-0.02905818447470665},{"word":"back","start":2481.6501,"end":2482.1501,"confidence":0.96777344,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.023376356810331345},{"word":"okay","start":2502.56,"end":2503.06,"confidence":0.8522949,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4513530433177948},{"word":"alright","start":2504.96,"end":2505.44,"confidence":0.80859375,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.05492669343948364},{"word":"no","start":2505.44,"end":2505.5999,"confidence":0.9736328,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0836637020111084},{"word":"no","start":2505.5999,"end":2505.76,"confidence":0.97924805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1265619993209839},{"word":"that","start":2505.76,"end":2505.92,"confidence":0.90234375,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.11739232391119005},{"word":"that's","start":2506.0,"end":2506.24,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1541411578655243},{"word":"okay","start":2506.24,"end":2506.56,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.1068795770406723},{"word":"i","start":2506.56,"end":2506.64,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10694689303636552},{"word":"just","start":2506.64,"end":2506.88,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08220706880092621},{"word":"i","start":2506.96,"end":2507.04,"confidence":0.95166016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0966106653213501},{"word":"mhmm","start":2508.88,"end":2509.38,"confidence":0.87646484,"punctuated_word":"mhmm.","sentiment":"neutral","sentiment_score":-0.07668904215097427},{"word":"sorry","start":2509.455,"end":2509.955,"confidence":0.9716797,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1941441595554352},{"word":"yes","start":2515.935,"end":2516.435,"confidence":0.99316406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.07454828172922134},{"word":"no","start":2516.655,"end":2516.895,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17861732840538025},{"word":"i","start":2516.895,"end":2517.135,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18696290254592896},{"word":"i","start":2517.135,"end":2517.215,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1979241818189621},{"word":"don't","start":2517.215,"end":2517.455,"confidence":0.9921875,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19464078545570376},{"word":"have","start":2517.455,"end":2517.615,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.20433613657951355},{"word":"an","start":2517.615,"end":2517.855,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.18797452747821808},{"word":"answer","start":2517.855,"end":2518.2551,"confidence":1.0,"punctuated_word":"answer.","sentiment":"neutral","sentiment_score":-0.2043268084526062},{"word":"i'm","start":2518.2551,"end":2518.7551,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17462825775146484},{"word":"i'm","start":2519.375,"end":2519.7751,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1438988298177719},{"word":"just","start":2519.7751,"end":2520.2751,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13899332284927368},{"word":"i'm","start":2520.495,"end":2520.735,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14233824610710144},{"word":"just","start":2520.735,"end":2521.135,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1521076261997223},{"word":"expressing","start":2521.135,"end":2521.635,"confidence":1.0,"punctuated_word":"expressing","sentiment":"neutral","sentiment_score":-0.15586824715137482},{"word":"concern","start":2521.695,"end":2522.175,"confidence":0.99902344,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.1268608719110489},{"word":"over","start":2522.175,"end":2522.5752,"confidence":0.96972656,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.17695315182209015},{"word":"the","start":2522.5752,"end":2522.82,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17849816381931305},{"word":"specific","start":2522.98,"end":2523.3,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.1813627332448959},{"word":"structuring","start":2523.3,"end":2523.8,"confidence":1.0,"punctuated_word":"structuring","sentiment":"neutral","sentiment_score":-0.1987745463848114},{"word":"and","start":2524.1,"end":2524.34,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21479879319667816},{"word":"not","start":2524.34,"end":2524.58,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24298052489757535},{"word":"potentially","start":2524.58,"end":2525.06,"confidence":0.99609375,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.12933561205863953},{"word":"looking","start":2525.06,"end":2525.3801,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.09405840188264848},{"word":"at","start":2525.3801,"end":2525.7002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0994299054145813},{"word":"don't","start":2526.02,"end":2526.26,"confidence":0.9758301,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07769419252872467},{"word":"be","start":2526.26,"end":2526.4202,"confidence":0.47094727,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1106339395046234},{"word":"wrong","start":2526.4202,"end":2526.9001,"confidence":0.9067383,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.0910712704062462},{"word":"like","start":2526.9001,"end":2527.06,"confidence":0.8347168,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.05440579354763031},{"word":"it","start":2527.06,"end":2527.22,"confidence":0.94628906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03703266754746437},{"word":"like","start":2527.3,"end":2527.54,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.029000554233789444},{"word":"what","start":2527.54,"end":2527.7,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.027672283351421356},{"word":"i'm","start":2527.7,"end":2527.9402,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.009051574394106863},{"word":"suggesting","start":2527.9402,"end":2528.4402,"confidence":1.0,"punctuated_word":"suggesting","sentiment":"neutral","sentiment_score":-0.03465232253074646},{"word":"is","start":2528.5,"end":2528.74,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.024637121707201004},{"word":"a","start":2528.74,"end":2528.82,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.024846620857715607},{"word":"little","start":2528.82,"end":2529.06,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02022181451320648},{"word":"bit","start":2529.06,"end":2529.54,"confidence":0.9645996,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.046660151332616806},{"word":"like","start":2529.54,"end":2530.02,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.045940641313791275},{"word":"left","start":2530.02,"end":2530.34,"confidence":0.7270508,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.035416461527347565},{"word":"field","start":2530.34,"end":2530.84,"confidence":0.9724121,"punctuated_word":"field,","sentiment":"neutral","sentiment_score":-0.03895564749836922},{"word":"but","start":2531.1401,"end":2531.3801,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03046385943889618},{"word":"it's","start":2531.3801,"end":2531.54,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.074183389544487},{"word":"not","start":2531.54,"end":2532.04,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.022239118814468384},{"word":"stupid","start":2532.74,"end":2533.1401,"confidence":0.9921875,"punctuated_word":"stupid","sentiment":"neutral","sentiment_score":-0.18974050879478457},{"word":"insane","start":2533.1401,"end":2533.62,"confidence":0.87280273,"punctuated_word":"insane.","sentiment":"neutral","sentiment_score":-0.09464608877897264},{"word":"it's","start":2533.62,"end":2533.9402,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0250759981572628},{"word":"just","start":2533.9402,"end":2534.4402,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.038308702409267426},{"word":"structuring","start":2535.1401,"end":2535.54,"confidence":0.9975586,"punctuated_word":"structuring","sentiment":"neutral","sentiment_score":0.01126975193619728},{"word":"it","start":2535.54,"end":2535.62,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.056362345814704895},{"word":"a","start":2535.62,"end":2535.7,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.037280116230249405},{"word":"little","start":2535.7,"end":2535.9402,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03043173998594284},{"word":"bit","start":2535.9402,"end":2536.02,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.030159875750541687},{"word":"differently","start":2536.02,"end":2536.52,"confidence":1.0,"punctuated_word":"differently","sentiment":"neutral","sentiment_score":0.001621745526790619},{"word":"to","start":2536.58,"end":2536.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009453020989894869},{"word":"save","start":2536.98,"end":2537.22,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.0025409534573554993},{"word":"on","start":2537.22,"end":2537.3801,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.053369708359241486},{"word":"interest","start":2537.3801,"end":2537.7,"confidence":0.9550781,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.05842047929763794},{"word":"over","start":2537.7,"end":2537.9402,"confidence":0.95703125,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08628586679697037},{"word":"the","start":2537.9402,"end":2538.02,"confidence":0.7524414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005912058055400848},{"word":"long","start":2538.02,"end":2538.1802,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.027854107320308685},{"word":"term","start":2538.1802,"end":2538.675,"confidence":0.96606445,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":-0.009348077699542046},{"word":"so","start":2538.995,"end":2539.0752,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.012676183134317398},{"word":"it","start":2539.0752,"end":2539.155,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0060782842338085175},{"word":"just","start":2539.155,"end":2539.475,"confidence":0.57421875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.007328486070036888},{"word":"depend","start":2539.475,"end":2539.7952,"confidence":0.6640625,"punctuated_word":"depend","sentiment":"neutral","sentiment_score":0.002046346664428711},{"word":"on","start":2539.7952,"end":2540.0352,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.004677705466747284},{"word":"interest","start":2540.0352,"end":2540.2751,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.006139501929283142},{"word":"rates","start":2540.2751,"end":2540.5151,"confidence":0.6660156,"punctuated_word":"rates,","sentiment":"neutral","sentiment_score":0.00687025673687458},{"word":"everything","start":2540.5151,"end":2540.7551,"confidence":0.7602539,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.030921295285224915},{"word":"like","start":2540.7551,"end":2540.915,"confidence":0.34472656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01266477257013321},{"word":"it's","start":2540.995,"end":2541.315,"confidence":0.9394531,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.018117746338248253},{"word":"it's","start":2541.315,"end":2541.555,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.006658194120973349},{"word":"not","start":2541.555,"end":2541.7952,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.019596032798290253},{"word":"an","start":2541.7952,"end":2541.875,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.030907481908798214},{"word":"uncommon","start":2541.875,"end":2542.195,"confidence":0.99902344,"punctuated_word":"uncommon","sentiment":"neutral","sentiment_score":-0.04478907585144043},{"word":"thing","start":2542.195,"end":2542.435,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.023603089153766632},{"word":"that","start":2542.435,"end":2542.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011101827025413511},{"word":"i","start":2542.595,"end":2542.675,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017134927213191986},{"word":"have","start":2542.675,"end":2542.915,"confidence":0.96875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03682079166173935},{"word":"i've","start":2542.995,"end":2543.235,"confidence":0.97631836,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03552468493580818},{"word":"i've","start":2543.235,"end":2543.475,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.054012369364500046},{"word":"worked","start":2543.475,"end":2543.975,"confidence":0.9970703,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.05011725425720215},{"word":"with","start":2544.835,"end":2545.075,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05822853744029999},{"word":"mortgage","start":2545.075,"end":2545.475,"confidence":0.9482422,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.00687689334154129},{"word":"brokers","start":2545.475,"end":2545.875,"confidence":0.9970703,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":-0.023512132465839383},{"word":"to","start":2545.875,"end":2546.0352,"confidence":0.6557617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02241288870573044},{"word":"do","start":2546.0352,"end":2546.2751,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.011845961213111876},{"word":"before","start":2546.2751,"end":2546.7751,"confidence":0.8964844,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.024740366265177727},{"word":"it's","start":2546.995,"end":2547.235,"confidence":0.8561198,"punctuated_word":"It's,","sentiment":"neutral","sentiment_score":0.029640331864356995},{"word":"like","start":2547.235,"end":2547.475,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04991091787815094},{"word":"structuring","start":2547.475,"end":2547.975,"confidence":0.9875488,"punctuated_word":"structuring","sentiment":"neutral","sentiment_score":0.007906278595328331},{"word":"loans","start":2548.0352,"end":2548.5151,"confidence":0.78271484,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.020648464560508728},{"word":"in","start":2548.5151,"end":2548.7551,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019169166684150696},{"word":"different","start":2548.7551,"end":2549.075,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.01220734417438507},{"word":"ways","start":2549.075,"end":2549.575,"confidence":0.99902344,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.03235241770744324},{"word":"to","start":2549.715,"end":2549.955,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014488331973552704},{"word":"specifically","start":2549.955,"end":2550.455,"confidence":0.96240234,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.06789519637823105},{"word":"get","start":2550.995,"end":2551.235,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.029667504131793976},{"word":"these","start":2551.235,"end":2551.475,"confidence":0.55371094,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.03933419659733772},{"word":"kinds","start":2551.475,"end":2551.715,"confidence":0.9760742,"punctuated_word":"kinds","sentiment":"neutral","sentiment_score":0.052640389651060104},{"word":"of","start":2551.715,"end":2551.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027310766279697415},{"word":"benefit","start":2551.875,"end":2552.375,"confidence":0.6972656,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.02760981023311615},{"word":"because","start":2553.05,"end":2553.45,"confidence":0.90234375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.02541358023881912},{"word":"consolidate","start":2553.45,"end":2553.93,"confidence":0.97314453,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.048190683126449585},{"word":"like","start":2554.01,"end":2554.33,"confidence":0.9909668,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10189087688922882},{"word":"one","start":2554.33,"end":2554.57,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12697814404964447},{"word":"of","start":2554.57,"end":2554.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09127657860517502},{"word":"the","start":2554.65,"end":2554.81,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10636170953512192},{"word":"things","start":2554.81,"end":2555.05,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15137964487075806},{"word":"that","start":2555.05,"end":2555.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15262994170188904},{"word":"i","start":2555.29,"end":2555.45,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.142632395029068},{"word":"love","start":2555.45,"end":2555.77,"confidence":1.0,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.37465864419937134},{"word":"watching","start":2555.77,"end":2556.09,"confidence":1.0,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":0.27039751410484314},{"word":"people","start":2556.09,"end":2556.33,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.3006976246833801},{"word":"do","start":2556.33,"end":2556.83,"confidence":0.79003906,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.23270252346992493},{"word":"heavy","start":2557.3699,"end":2557.69,"confidence":0.73339844,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":0.13487398624420166},{"word":"on","start":2557.69,"end":2557.85,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.194409117102623},{"word":"the","start":2557.85,"end":2557.93,"confidence":0.72265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2033577561378479},{"word":"sarcasm","start":2557.93,"end":2558.43,"confidence":0.89973956,"punctuated_word":"sarcasm,","sentiment":"neutral","sentiment_score":-0.013432812876999378},{"word":"is","start":2558.57,"end":2559.07,"confidence":0.9609375,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.0527726411819458},{"word":"like","start":2559.45,"end":2559.93,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.046869706362485886},{"word":"you","start":2559.93,"end":2560.09,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0044168755412101746},{"word":"know","start":2560.09,"end":2560.41,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06963799893856049},{"word":"consolidating","start":2560.41,"end":2560.91,"confidence":0.99902344,"punctuated_word":"consolidating","sentiment":"neutral","sentiment_score":0.014168452471494676},{"word":"credit","start":2561.05,"end":2561.29,"confidence":1.0,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.061912693083286285},{"word":"cards","start":2561.29,"end":2561.61,"confidence":0.97998047,"punctuated_word":"cards","sentiment":"neutral","sentiment_score":-0.04226842522621155},{"word":"into","start":2561.61,"end":2561.85,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.04339779168367386},{"word":"houses","start":2561.85,"end":2562.25,"confidence":1.0,"punctuated_word":"houses","sentiment":"neutral","sentiment_score":-0.04755798727273941},{"word":"because","start":2562.25,"end":2562.57,"confidence":0.7988281,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.017809875309467316},{"word":"sometimes","start":2562.57,"end":2562.97,"confidence":0.9873047,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.005337163805961609},{"word":"it","start":2562.97,"end":2563.21,"confidence":0.9550781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13554634153842926},{"word":"can","start":2563.21,"end":2563.71,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09479067474603652},{"word":"be","start":2564.01,"end":2564.17,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16517573595046997},{"word":"worse","start":2564.17,"end":2564.49,"confidence":0.97314453,"punctuated_word":"worse","sentiment":"neutral","sentiment_score":-0.15923628211021423},{"word":"off","start":2564.49,"end":2564.81,"confidence":0.99658203,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.12585043907165527},{"word":"granted","start":2564.81,"end":2565.31,"confidence":0.9152832,"punctuated_word":"Granted,","sentiment":"neutral","sentiment_score":-0.016331154853105545},{"word":"sometimes","start":2565.3699,"end":2565.77,"confidence":1.0,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.0032017379999160767},{"word":"it","start":2565.77,"end":2565.93,"confidence":0.90478516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05343075841665268},{"word":"has","start":2565.93,"end":2566.17,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03342069685459137},{"word":"to","start":2566.17,"end":2566.33,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.044992707669734955},{"word":"happen","start":2566.33,"end":2566.83,"confidence":0.9658203,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":-0.05259491875767708},{"word":"but","start":2567.1848,"end":2567.4248,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05431727692484856},{"word":"there","start":2567.4248,"end":2567.505,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0470367819070816},{"word":"are","start":2567.505,"end":2567.9849,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.033551886677742004},{"word":"sometimes","start":2567.9849,"end":2568.385,"confidence":0.9580078,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.038474686443805695},{"word":"other","start":2568.385,"end":2568.625,"confidence":0.9951172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.05663859471678734},{"word":"ways","start":2568.625,"end":2568.9448,"confidence":0.9921875,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.03523360192775726},{"word":"depending","start":2568.9448,"end":2569.4448,"confidence":0.95703125,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.009053893387317656},{"word":"on","start":2569.505,"end":2569.825,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.016270272433757782},{"word":"who","start":2569.825,"end":2570.065,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.05841263383626938},{"word":"your","start":2570.065,"end":2570.305,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06658254563808441},{"word":"lender","start":2570.305,"end":2570.7048,"confidence":0.9980469,"punctuated_word":"lender","sentiment":"neutral","sentiment_score":-0.0864194855093956},{"word":"is","start":2570.7048,"end":2571.025,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07613234966993332},{"word":"and","start":2571.025,"end":2571.1848,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04676922410726547},{"word":"what","start":2571.1848,"end":2571.4248,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.024660006165504456},{"word":"avenues","start":2571.4248,"end":2571.825,"confidence":0.9506836,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":-0.045898377895355225},{"word":"you","start":2571.825,"end":2571.9849,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027864962816238403},{"word":"have","start":2571.9849,"end":2572.2249,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.026186048984527588},{"word":"open","start":2572.2249,"end":2572.545,"confidence":0.8510742,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.006719410419464111},{"word":"to","start":2572.545,"end":2572.7048,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021508805453777313},{"word":"you","start":2572.7048,"end":2573.2048,"confidence":0.8156738,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.03733757138252258},{"word":"and","start":2573.6648,"end":2573.9849,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.032857172191143036},{"word":"different","start":2573.9849,"end":2574.305,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.04372584819793701},{"word":"brokers","start":2574.305,"end":2574.7048,"confidence":0.9970703,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":-0.08822411298751831},{"word":"work","start":2574.7048,"end":2574.865,"confidence":0.9892578,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07163926213979721},{"word":"in","start":2574.865,"end":2575.025,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07677428424358368},{"word":"different","start":2575.025,"end":2575.4248,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.07982952147722244},{"word":"ways","start":2575.4248,"end":2575.9248,"confidence":0.8808594,"punctuated_word":"ways.","sentiment":"neutral","sentiment_score":-0.06732545793056488},{"word":"so","start":2576.4648,"end":2576.625,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09793683886528017},{"word":"it","start":2576.625,"end":2576.785,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10308557748794556},{"word":"could","start":2576.785,"end":2576.9448,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.1031610518693924},{"word":"be","start":2576.9448,"end":2577.025,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.115291029214859},{"word":"something","start":2577.025,"end":2577.345,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1396784484386444},{"word":"that's","start":2577.345,"end":2577.6648,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1642727553844452},{"word":"restricted","start":2577.6648,"end":2578.1648,"confidence":0.9970703,"punctuated_word":"restricted","sentiment":"neutral","sentiment_score":-0.1931198239326477},{"word":"from","start":2578.385,"end":2578.625,"confidence":0.9902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.20264197885990143},{"word":"us","start":2578.625,"end":2578.865,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.2098267376422882},{"word":"being","start":2578.865,"end":2579.025,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.16599363088607788},{"word":"able","start":2579.025,"end":2579.265,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.1832360327243805},{"word":"to","start":2579.265,"end":2579.505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19129213690757751},{"word":"do","start":2579.505,"end":2579.6648,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.23978282511234283},{"word":"that","start":2579.6648,"end":2579.9048,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13749492168426514},{"word":"right","start":2579.9048,"end":2580.145,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.19331824779510495},{"word":"now","start":2580.145,"end":2580.645,"confidence":0.9909668,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.17462632060050964},{"word":"it","start":2581.44,"end":2581.68,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.09042466431856155},{"word":"it","start":2581.68,"end":2581.8398,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07407121360301971},{"word":"just","start":2581.8398,"end":2582.0,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06283964961767197},{"word":"all","start":2582.0,"end":2582.16,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06223379075527191},{"word":"depends","start":2582.16,"end":2582.48,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.05518900603055954},{"word":"on","start":2582.48,"end":2582.72,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05236794054508209},{"word":"circumstance","start":2582.72,"end":2583.22,"confidence":0.9160156,"punctuated_word":"circumstance","sentiment":"neutral","sentiment_score":-0.06538975983858109},{"word":"and","start":2583.52,"end":2584.0,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08691848814487457},{"word":"your","start":2584.0,"end":2584.24,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08312822878360748},{"word":"broker","start":2584.24,"end":2584.72,"confidence":0.98095703,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.0902675986289978},{"word":"and","start":2584.72,"end":2584.96,"confidence":0.9003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04987576976418495},{"word":"what","start":2584.96,"end":2585.1199,"confidence":0.8925781,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04335795342922211},{"word":"avenues","start":2585.1199,"end":2585.52,"confidence":0.9316406,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":-0.052039481699466705},{"word":"they've","start":2585.52,"end":2585.68,"confidence":0.9362793,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.04578673094511032},{"word":"looked","start":2585.68,"end":2585.92,"confidence":0.9980469,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.05069882795214653},{"word":"at","start":2585.92,"end":2586.42,"confidence":0.7866211,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.06334670633077621},{"word":"because","start":2586.72,"end":2587.22,"confidence":0.8911133,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03296799585223198},{"word":"even","start":2587.52,"end":2587.8398,"confidence":0.9819336,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.024476077407598495},{"word":"in","start":2587.8398,"end":2588.0,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.029989372938871384},{"word":"my","start":2588.0,"end":2588.08,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.018014244735240936},{"word":"industry","start":2588.08,"end":2588.58,"confidence":0.98339844,"punctuated_word":"industry,","sentiment":"neutral","sentiment_score":-0.0231561865657568},{"word":"every","start":2588.64,"end":2588.88,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.025191806256771088},{"word":"adviser","start":2588.88,"end":2589.3599,"confidence":0.82910156,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.060073673725128174},{"word":"is","start":2589.3599,"end":2589.44,"confidence":0.49902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0390942320227623},{"word":"different","start":2589.44,"end":2589.94,"confidence":0.99316406,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.04055336117744446},{"word":"can","start":2595.92,"end":2596.16,"confidence":0.8798828,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.04652089625597},{"word":"be","start":2596.16,"end":2596.4,"confidence":0.9519043,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.06032050400972366},{"word":"yes","start":2596.4,"end":2596.9,"confidence":0.7487793,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01822283491492271},{"word":"yep","start":2610.935,"end":2611.29,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0530780553817749},{"word":"it","start":2612.8901,"end":2613.1301,"confidence":0.9707031,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.046385105699300766},{"word":"also","start":2613.1301,"end":2613.37,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06143277883529663},{"word":"depends","start":2613.37,"end":2613.69,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.07742680609226227},{"word":"on","start":2613.69,"end":2613.93,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06349852681159973},{"word":"equity","start":2613.93,"end":2614.25,"confidence":0.8852539,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.051465343683958054},{"word":"in","start":2614.25,"end":2614.4102,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.052734214812517166},{"word":"your","start":2614.4102,"end":2614.49,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04718790575861931},{"word":"house","start":2614.49,"end":2614.81,"confidence":0.6748047,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.031822409480810165},{"word":"so","start":2614.81,"end":2615.1301,"confidence":0.9399414,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.010902972891926764},{"word":"like","start":2615.1301,"end":2615.29,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.019625794142484665},{"word":"what","start":2615.29,"end":2615.45,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004213722422719002},{"word":"your","start":2615.45,"end":2615.61,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015221409499645231},{"word":"lvr","start":2615.61,"end":2616.11,"confidence":0.9484863,"punctuated_word":"LVR","sentiment":"neutral","sentiment_score":0.009241844527423382},{"word":"is","start":2616.17,"end":2616.67,"confidence":0.89282227,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.002071536146104336},{"word":"it","start":2617.77,"end":2618.09,"confidence":0.92578125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03647559881210327},{"word":"it","start":2618.09,"end":2618.25,"confidence":0.9448242,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02337241917848587},{"word":"has","start":2618.25,"end":2618.4102,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.02892073057591915},{"word":"a","start":2618.4102,"end":2618.57,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017822209745645523},{"word":"so","start":2621.05,"end":2621.55,"confidence":0.43066406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01656358130276203},{"word":"it","start":2621.69,"end":2621.93,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01591598056256771},{"word":"it","start":2621.93,"end":2622.25,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.019706519320607185},{"word":"it","start":2622.25,"end":2622.4102,"confidence":0.93847656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017504410818219185},{"word":"depends","start":2622.4102,"end":2622.81,"confidence":0.5004883,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.013387084007263184},{"word":"on","start":2622.81,"end":2622.97,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009896095842123032},{"word":"all","start":2622.97,"end":2623.05,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.013155240565538406},{"word":"the","start":2623.05,"end":2623.21,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012236524373292925},{"word":"variables","start":2623.21,"end":2623.69,"confidence":1.0,"punctuated_word":"variables","sentiment":"neutral","sentiment_score":0.003171537071466446},{"word":"that","start":2623.69,"end":2623.85,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.028233639895915985},{"word":"are","start":2623.85,"end":2624.01,"confidence":0.8491211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.023687314242124557},{"word":"that","start":2624.01,"end":2624.17,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02284245751798153},{"word":"are","start":2624.17,"end":2624.33,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.017156481742858887},{"word":"sitting","start":2624.33,"end":2624.6501,"confidence":0.9980469,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.014825589954853058},{"word":"there","start":2624.6501,"end":2625.015,"confidence":0.9602051,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0057833231985569},{"word":"but","start":2626.855,"end":2626.9348,"confidence":0.98828125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.012280233204364777},{"word":"yeah","start":2627.015,"end":2627.515,"confidence":0.9975586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.016579363495111465},{"word":"look","start":2627.6548,"end":2628.055,"confidence":0.92871094,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.023710861802101135},{"word":"i'm","start":2628.055,"end":2628.2148,"confidence":0.94873047,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03726930171251297},{"word":"i'm","start":2628.2148,"end":2628.4548,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.046352751553058624},{"word":"i'm","start":2628.4548,"end":2628.535,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04953524097800255},{"word":"literally","start":2628.535,"end":2628.855,"confidence":0.9892578,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.03128402680158615},{"word":"just","start":2628.855,"end":2629.015,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04294035583734512},{"word":"spitballing","start":2629.015,"end":2629.4949,"confidence":0.89941406,"punctuated_word":"spitballing","sentiment":"neutral","sentiment_score":0.04707268625497818},{"word":"with","start":2629.4949,"end":2629.575,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06799725443124771},{"word":"you","start":2629.575,"end":2630.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08612591028213501},{"word":"ahead","start":2630.4548,"end":2630.775,"confidence":0.9980469,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.056947965174913406},{"word":"of","start":2630.775,"end":2631.1748,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06986785680055618},{"word":"our","start":2631.1748,"end":2631.335,"confidence":0.88427734,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05651509761810303},{"word":"meeting","start":2631.335,"end":2631.6548,"confidence":0.99902344,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.05195830762386322},{"word":"because","start":2631.6548,"end":2632.1548,"confidence":0.8413086,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.033595092594623566},{"word":"you've","start":2632.2148,"end":2632.535,"confidence":0.98999023,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05369430035352707},{"word":"now","start":2632.535,"end":2633.015,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.052556585520505905},{"word":"got","start":2633.015,"end":2633.515,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.100875161588192},{"word":"the","start":2634.295,"end":2634.535,"confidence":0.8852539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09527741372585297},{"word":"thoughts","start":2634.535,"end":2635.015,"confidence":0.64746094,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.07388387620449066},{"word":"flowing","start":2635.015,"end":2635.515,"confidence":0.9333496,"punctuated_word":"flowing.","sentiment":"neutral","sentiment_score":0.06081572920084},{"word":"but","start":2636.055,"end":2636.2148,"confidence":0.94628906,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03251146152615547},{"word":"look","start":2636.375,"end":2636.6948,"confidence":0.9729004,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.0310057420283556},{"word":"i","start":2636.6948,"end":2636.855,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06266763806343079},{"word":"what","start":2637.015,"end":2637.1748,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06494646519422531},{"word":"i","start":2637.1748,"end":2637.255,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06660742312669754},{"word":"might","start":2637.255,"end":2637.4148,"confidence":0.96533203,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07066737115383148},{"word":"do","start":2637.4148,"end":2637.575,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05660568177700043},{"word":"is","start":2637.575,"end":2637.6548,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.056612372398376465},{"word":"i'll","start":2637.6548,"end":2637.815,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0786997601389885},{"word":"just","start":2637.815,"end":2637.9749,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08503837883472443},{"word":"i'll","start":2638.055,"end":2638.2148,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07957964390516281},{"word":"reach","start":2638.2148,"end":2638.4548,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.08528313785791397},{"word":"out","start":2638.4548,"end":2638.535,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07198882848024368},{"word":"to","start":2638.535,"end":2638.855,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06040789186954498},{"word":"one","start":2638.855,"end":2639.015,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06733698397874832},{"word":"of","start":2639.015,"end":2639.095,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0665321797132492},{"word":"my","start":2639.095,"end":2639.255,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1103515774011612},{"word":"broker","start":2639.255,"end":2639.755,"confidence":0.98095703,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.09174052625894548},{"word":"friends","start":2642.26,"end":2642.76,"confidence":0.9604492,"punctuated_word":"friends","sentiment":"neutral","sentiment_score":0.06416963040828705},{"word":"and","start":2642.8198,"end":2643.3198,"confidence":0.54003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07660071551799774},{"word":"colleagues","start":2643.38,"end":2643.88,"confidence":0.8088379,"punctuated_word":"colleagues,","sentiment":"neutral","sentiment_score":0.08039767295122147},{"word":"and","start":2644.74,"end":2645.24,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.092849463224411},{"word":"i'll","start":2645.38,"end":2645.46,"confidence":0.56591797,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10023804754018784},{"word":"just","start":2645.46,"end":2645.7,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11808492988348009},{"word":"have","start":2645.7,"end":2645.94,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09808748960494997},{"word":"a","start":2645.94,"end":2646.0999,"confidence":0.52197266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09269213676452635},{"word":"conversation","start":2646.0999,"end":2646.5999,"confidence":0.95581055,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.09535766392946245},{"word":"about","start":2648.26,"end":2648.76,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07763253152370453},{"word":"whether","start":2649.94,"end":2650.3398,"confidence":0.97998047,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0703086107969284},{"word":"cba","start":2650.3398,"end":2650.8198,"confidence":0.99072266,"punctuated_word":"CBA","sentiment":"neutral","sentiment_score":0.10715347528457642},{"word":"offer","start":2650.8198,"end":2651.0598,"confidence":0.88964844,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.06976905465126038},{"word":"this","start":2651.0598,"end":2651.5398,"confidence":0.8017578,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08113399147987366},{"word":"avenues","start":2651.5398,"end":2652.0398,"confidence":0.7841797,"punctuated_word":"avenues","sentiment":"neutral","sentiment_score":0.08341450989246368},{"word":"just","start":2652.18,"end":2652.42,"confidence":0.9550781,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05736737698316574},{"word":"as","start":2652.42,"end":2652.5798,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05718586593866348},{"word":"a","start":2652.5798,"end":2652.74,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08255679905414581},{"word":"general","start":2652.74,"end":2653.14,"confidence":0.9013672,"punctuated_word":"general,","sentiment":"neutral","sentiment_score":0.09759156405925752},{"word":"obviously","start":2653.14,"end":2653.6199,"confidence":0.9133301,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.06978602707386017},{"word":"not","start":2653.6199,"end":2653.7798,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.024159353226423264},{"word":"disclosing","start":2653.7798,"end":2654.18,"confidence":0.9941406,"punctuated_word":"disclosing","sentiment":"neutral","sentiment_score":0.028407981619238853},{"word":"of","start":2654.18,"end":2654.3398,"confidence":0.3256836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04597654193639755},{"word":"your","start":2654.3398,"end":2654.5,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.038996998220682144},{"word":"personal","start":2654.5,"end":2654.98,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.009840860962867737},{"word":"information","start":2654.98,"end":2655.48,"confidence":0.8635254,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.039722051471471786},{"word":"and","start":2656.685,"end":2657.0051,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11256076395511629},{"word":"just","start":2657.0051,"end":2657.325,"confidence":0.92333984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11529044806957243},{"word":"kind","start":2657.325,"end":2657.565,"confidence":0.96240234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10652703046798706},{"word":"of","start":2657.565,"end":2657.725,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1717958301305771},{"word":"spitball","start":2657.725,"end":2658.205,"confidence":0.9296875,"punctuated_word":"spitball","sentiment":"neutral","sentiment_score":0.16472820937633514},{"word":"with","start":2658.205,"end":2658.365,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18533320724964145},{"word":"them","start":2658.365,"end":2658.7651,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13966163992881775},{"word":"to","start":2658.7651,"end":2658.845,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1507696956396103},{"word":"see","start":2658.845,"end":2659.0051,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12959694862365723},{"word":"if","start":2659.0051,"end":2659.085,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1333092749118805},{"word":"it's","start":2659.085,"end":2659.405,"confidence":0.7998047,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16395828127861023},{"word":"the","start":2659.405,"end":2659.885,"confidence":0.19604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16348610818386078},{"word":"avenue","start":2659.885,"end":2660.125,"confidence":0.26220703,"punctuated_word":"avenue","sentiment":"neutral","sentiment_score":0.1380518674850464},{"word":"it","start":2660.125,"end":2660.205,"confidence":0.36816406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17217272520065308},{"word":"could","start":2660.205,"end":2660.705,"confidence":0.97998047,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.13191097974777222},{"word":"have","start":2660.845,"end":2661.345,"confidence":0.4263916,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.1642855852842331},{"word":"and","start":2662.445,"end":2662.605,"confidence":0.96240234,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1355484426021576},{"word":"then","start":2662.605,"end":2663.105,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12156547605991364},{"word":"we'll","start":2663.245,"end":2663.565,"confidence":0.9951172,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16182103753089905},{"word":"meet","start":2663.565,"end":2663.805,"confidence":0.94628906,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.14818882942199707},{"word":"next","start":2663.805,"end":2664.045,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15605033934116364},{"word":"tuesday","start":2664.045,"end":2664.525,"confidence":0.99316406,"punctuated_word":"Tuesday.","sentiment":"neutral","sentiment_score":0.13075311481952667},{"word":"i","start":2664.525,"end":2664.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2282375991344452},{"word":"can","start":2664.605,"end":2664.7651,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22218994796276093},{"word":"give","start":2664.7651,"end":2664.925,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2598741948604584},{"word":"you","start":2664.925,"end":2665.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28856804966926575},{"word":"all","start":2665.085,"end":2665.245,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2398795485496521},{"word":"the","start":2665.245,"end":2665.325,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24429254233837128},{"word":"information","start":2665.325,"end":2665.645,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.2631361782550812},{"word":"that","start":2665.645,"end":2665.805,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3283349275588989},{"word":"i've","start":2665.805,"end":2665.965,"confidence":0.82373047,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.31178462505340576},{"word":"found","start":2665.965,"end":2666.205,"confidence":0.9719238,"punctuated_word":"found,","sentiment":"neutral","sentiment_score":0.32459425926208496},{"word":"everything","start":2666.205,"end":2666.525,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3475811183452606},{"word":"that","start":2666.525,"end":2666.7651,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3728654086589813},{"word":"i've","start":2666.7651,"end":2666.845,"confidence":0.9951172,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.33198413252830505},{"word":"got","start":2666.845,"end":2667.0051,"confidence":0.6972656,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.37170055508613586},{"word":"that","start":2667.085,"end":2667.325,"confidence":0.4794922,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2948595881462097},{"word":"i've","start":2667.325,"end":2667.405,"confidence":0.8359375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.28358322381973267},{"word":"got","start":2667.405,"end":2667.905,"confidence":0.99121094,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":0.24288608133792877},{"word":"i'll","start":2668.2,"end":2668.44,"confidence":0.99316406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2007189691066742},{"word":"send","start":2668.44,"end":2668.5999,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.21324431896209717},{"word":"the","start":2668.5999,"end":2668.68,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2226591855287552},{"word":"invite","start":2668.68,"end":2668.92,"confidence":0.88720703,"punctuated_word":"invite,","sentiment":"neutral","sentiment_score":0.1795696318149567},{"word":"and","start":2668.92,"end":2669.08,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14005038142204285},{"word":"we","start":2669.08,"end":2669.16,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17811565101146698},{"word":"can","start":2669.16,"end":2669.32,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20536579191684723},{"word":"we","start":2669.32,"end":2669.4,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21282634139060977},{"word":"can","start":2669.4,"end":2669.56,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19619567692279816},{"word":"just","start":2669.56,"end":2669.72,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1865300089120865},{"word":"kind","start":2669.72,"end":2669.88,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15879523754119873},{"word":"of","start":2669.88,"end":2670.04,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21833497285842896},{"word":"go","start":2670.04,"end":2670.2,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23027482628822327},{"word":"from","start":2670.2,"end":2670.3599,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24646705389022827},{"word":"there","start":2670.3599,"end":2670.5999,"confidence":0.97998047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.199253648519516},{"word":"and","start":2670.5999,"end":2670.8398,"confidence":0.8774414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17879943549633026},{"word":"just","start":2670.8398,"end":2671.24,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19034725427627563},{"word":"see","start":2671.24,"end":2671.4,"confidence":0.82910156,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17276433110237122},{"word":"where","start":2671.4,"end":2671.64,"confidence":0.8618164,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18210627138614657},{"word":"we","start":2671.64,"end":2671.72,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1954220235347748},{"word":"land","start":2671.72,"end":2672.04,"confidence":0.9536133,"punctuated_word":"land","sentiment":"neutral","sentiment_score":0.16803716123104095},{"word":"the","start":2672.04,"end":2672.1199,"confidence":0.60253906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20439942181110385},{"word":"options","start":2672.1199,"end":2672.2798,"confidence":0.9760742,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.11733938753604888},{"word":"that","start":2672.2798,"end":2672.44,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.205675408244133},{"word":"we","start":2672.44,"end":2672.5999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17981639504432678},{"word":"have","start":2672.5999,"end":2672.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1546763926744461},{"word":"available","start":2672.76,"end":2673.26,"confidence":1.0,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":0.1198117658495903},{"word":"cool","start":2676.68,"end":2677.18,"confidence":0.84936523,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6671930551528931},{"word":"perfect","start":2677.72,"end":2678.1199,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6955268383026123},{"word":"well","start":2678.1199,"end":2678.3599,"confidence":0.99853516,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.24510884284973145},{"word":"i","start":2678.3599,"end":2678.52,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29912281036376953},{"word":"have","start":2678.52,"end":2679.02,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2838074564933777},{"word":"def","start":2679.4,"end":2679.64,"confidence":0.39135742,"punctuated_word":"def","sentiment":"neutral","sentiment_score":0.3029937148094177},{"word":"definitely","start":2679.8,"end":2680.1199,"confidence":0.9970703,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3724544644355774},{"word":"choose","start":2680.1199,"end":2680.28,"confidence":0.39501953,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.33114928007125854},{"word":"your","start":2680.28,"end":2680.44,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34101802110671997},{"word":"ear","start":2680.44,"end":2680.5999,"confidence":0.9951172,"punctuated_word":"ear","sentiment":"neutral","sentiment_score":0.2675027847290039},{"word":"off","start":2680.5999,"end":2680.76,"confidence":0.96240234,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.15130940079689026},{"word":"for","start":2680.76,"end":2680.92,"confidence":0.93408203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21968641877174375},{"word":"more","start":2680.92,"end":2681.08,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.23467768728733063},{"word":"than","start":2681.08,"end":2681.32,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.20048120617866516},{"word":"you","start":2681.32,"end":2681.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23396152257919312},{"word":"probably","start":2681.4,"end":2681.8,"confidence":0.9941406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.15177756547927856},{"word":"intended","start":2681.8,"end":2682.28,"confidence":0.9482422,"punctuated_word":"intended,","sentiment":"neutral","sentiment_score":0.13365359604358673},{"word":"but","start":2682.28,"end":2682.675,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08051872253417969},{"word":"i","start":2683.635,"end":2683.875,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006030760705471039},{"word":"think","start":2683.875,"end":2684.0352,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0023326873779296875},{"word":"we","start":2684.0352,"end":2684.195,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.020536363124847412},{"word":"can","start":2684.195,"end":2684.355,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08234095573425293},{"word":"probably","start":2684.355,"end":2684.7551,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.14497818052768707},{"word":"get","start":2684.7551,"end":2685.155,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05595201253890991},{"word":"a","start":2685.155,"end":2685.235,"confidence":0.71435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13567139208316803},{"word":"pretty","start":2685.235,"end":2685.635,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.11586445569992064},{"word":"decent","start":2685.635,"end":2686.0352,"confidence":1.0,"punctuated_word":"decent","sentiment":"neutral","sentiment_score":-0.08845581114292145},{"word":"plan","start":2686.0352,"end":2686.435,"confidence":0.97998047,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.02463506907224655},{"word":"going","start":2686.435,"end":2686.935,"confidence":0.8334961,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.12094628810882568},{"word":"me","start":2688.195,"end":2688.5151,"confidence":0.99609375,"punctuated_word":"Me","sentiment":"neutral","sentiment_score":0.06450718641281128},{"word":"either","start":2688.5151,"end":2688.7551,"confidence":0.80249023,"punctuated_word":"either,","sentiment":"neutral","sentiment_score":0.09899505972862244},{"word":"but","start":2688.7551,"end":2688.995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12576620280742645},{"word":"that's","start":2688.995,"end":2689.235,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3690348267555237},{"word":"okay","start":2689.235,"end":2689.735,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4445927143096924},{"word":"i","start":2689.955,"end":2690.115,"confidence":0.81152344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6779817342758179},{"word":"think","start":2690.115,"end":2690.2751,"confidence":0.9970703,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.7243394255638123},{"word":"we","start":2690.2751,"end":2690.435,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.7253777980804443},{"word":"can","start":2690.435,"end":2690.5151,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.7764580845832825},{"word":"get","start":2690.5151,"end":2690.5952,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.8136816620826721},{"word":"a","start":2690.5952,"end":2690.675,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8004922866821289},{"word":"pretty","start":2690.675,"end":2690.835,"confidence":0.99121094,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.7598960995674133},{"word":"decent","start":2690.835,"end":2691.155,"confidence":0.99902344,"punctuated_word":"decent","sentiment":"positive","sentiment_score":0.6825888156890869},{"word":"plan","start":2691.155,"end":2691.395,"confidence":0.9951172,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.768913984298706},{"word":"going","start":2691.395,"end":2691.635,"confidence":0.99902344,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.8197385668754578},{"word":"ahead","start":2691.635,"end":2691.875,"confidence":0.9975586,"punctuated_word":"ahead.","sentiment":"positive","sentiment_score":0.7406973838806152},{"word":"i'm","start":2691.875,"end":2692.115,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.8359966278076172},{"word":"actually","start":2692.115,"end":2692.435,"confidence":0.984375,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7838013172149658},{"word":"kind","start":2692.435,"end":2692.595,"confidence":0.7294922,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.73238605260849},{"word":"of","start":2692.595,"end":2692.675,"confidence":0.99121094,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8243312835693359},{"word":"excited","start":2692.675,"end":2692.995,"confidence":1.0,"punctuated_word":"excited","sentiment":"positive","sentiment_score":0.8656226992607117},{"word":"for","start":2692.995,"end":2693.315,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8931232690811157},{"word":"it","start":2693.315,"end":2693.815,"confidence":0.97631836,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.8055201172828674},{"word":"so","start":2694.0352,"end":2694.2751,"confidence":0.96972656,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5548169016838074},{"word":"let","start":2694.2751,"end":2694.435,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.45808178186416626},{"word":"me","start":2694.435,"end":2694.595,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.5272474884986877},{"word":"get","start":2694.595,"end":2694.675,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5996502637863159},{"word":"my","start":2694.675,"end":2694.835,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.44209063053131104},{"word":"notes","start":2694.835,"end":2695.075,"confidence":0.70703125,"punctuated_word":"notes","sentiment":"positive","sentiment_score":0.3880372047424317},{"word":"in","start":2695.075,"end":2695.155,"confidence":0.6352539,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.33964836597442627},{"word":"let","start":2695.155,"end":2695.315,"confidence":0.97509766,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.3294880986213684},{"word":"me","start":2695.315,"end":2695.395,"confidence":0.96875,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4020157754421234},{"word":"start","start":2695.395,"end":2695.635,"confidence":0.93408203,"punctuated_word":"start","sentiment":"positive","sentiment_score":0.3587090075016022},{"word":"doing","start":2695.635,"end":2695.875,"confidence":0.3154297,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4610098600387573},{"word":"some","start":2695.875,"end":2696.0352,"confidence":0.9970703,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3775034546852112},{"word":"research","start":2696.0352,"end":2696.435,"confidence":0.99902344,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.4680233597755432},{"word":"happening","start":2696.435,"end":2696.835,"confidence":0.95996094,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":0.3107067346572876},{"word":"and","start":2696.835,"end":2697.335,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3428095281124115},{"word":"i'll","start":2698.05,"end":2698.29,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3803291320800781},{"word":"meet","start":2698.29,"end":2698.45,"confidence":1.0,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.3672308027744293},{"word":"with","start":2698.45,"end":2698.53,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4277964234352112},{"word":"you","start":2698.53,"end":2698.77,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.47028499841690063},{"word":"next","start":2698.77,"end":2699.01,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.36318838596343994},{"word":"tuesday","start":2699.01,"end":2699.51,"confidence":1.0,"punctuated_word":"Tuesday.","sentiment":"neutral","sentiment_score":0.3093130886554718},{"word":"nope","start":2703.97,"end":2704.1301,"confidence":0.7010498,"punctuated_word":"Nope.","sentiment":"positive","sentiment_score":0.3801400065422058},{"word":"that's","start":2704.1301,"end":2704.37,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5373944044113159},{"word":"okay","start":2704.37,"end":2704.69,"confidence":0.99658203,"punctuated_word":"okay,","sentiment":"positive","sentiment_score":0.5338547229766846},{"word":"crystal","start":2704.69,"end":2705.09,"confidence":0.8215332,"punctuated_word":"Crystal.","sentiment":"positive","sentiment_score":0.5914211273193359},{"word":"looking","start":2705.09,"end":2705.25,"confidence":0.94384766,"punctuated_word":"Looking","sentiment":"positive","sentiment_score":0.7743374109268188},{"word":"forward","start":2705.25,"end":2705.49,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.7323443293571472},{"word":"to","start":2705.49,"end":2705.57,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.781542181968689},{"word":"it","start":2705.57,"end":2706.07,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6750696897506714},{"word":"bye","start":2709.97,"end":2710.47,"confidence":0.99365234,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.030086897313594815}],"paragraphs":{"transcript":"\nYeah. It's way better on my line, so perfect. Because this is a new call, I do need to let you know. Call's recorded, and sorry to do it to you, but I do need to complete security. There's a there's a a password on file?\n\nThank you. Okay. So Caden gave me a really brief rundown, but just to recap my knowledge, partner doesn't work, hasn't worked in seven years. We have a baby not intending on returning to work anytime soon, if ever. ATO has claimed super that's been accumulated, and it's now sitting as basically ATO unclaimed funds.\n\nCool. No. I love. What? Perfection.\n\nMan of Mary and Hart. Well, there's a couple of ways it can be done. Can I ask how much money is there? Can you repeat the amount? Sorry.\n\nOkay. Alright. Yeah. Yeah. No.\n\nThat's okay. Cool. Okay. So Just kind of like the the non easiest way, but the the way that I can think of that probably the quickest is technically it's it's not quick. It's not easy, actually.\n\nBut the one that's coming to mind is realistically, like, a separation of assets. Basically, it it comes down to, like, a divorce agreement where funds are then transferred over from her to you, super wise. It becomes a family law flag with the super fund, and it can be done that way. Alternatively to that, which obviously is a whole heap of paperwork and a whole lot of nonsense, you can do it without obviously paying fees. You can do it by yourself.\n\nIt's just it's a lot of paperwork that $8 be transferred. That is one of the ways to kinda get around it. There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is something that's called sorry. What was that? Oh, no.\n\nSorry. Okay. Sorry. I Yep. Okay.\n\nSo yep. Okay. So you you were nonworking June, July? Like, transitioning between jobs? Okay.\n\nSo transitioning between jobs doesn't allow you to claim hardship on the super. There's really, really, really specific requirements for it. Can I ask how much how like, what is your annual income? Okay. So you are a high income earner, like, in terms of sort of tax bracket.\n\nOkay. So there's there's sort of three avenues I'm kind of spitballing at the moment. If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting. Generally, we can only transfer about 85% of the funds. I need to just investigate it because, obviously, she hasn't contributed anything into the fund.\n\nHow we can sort of navigate that caveat, That that could be an avenue that we could look down. Yeah? It's individual across the board. Yeah. So, like, in a in a divorce, superannuation can form part of the marital assets and can be utilized to basically transition across.\n\nSo theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super. Outside of that, like, even an like a even a self no. Like, you don't have to proceed with the actual divorce. It would it's just basically paperwork wise, like, financial planning, but it's still a split headache to to go through that. She wouldn't be receiving Centrelink payments, would she?\n\nBecause your income's too high. Yep. Okay. What what did we put in a claim for under Fintech Link? Like, family tax?\n\nOkay. And you said she's receiving carer's payments or allowed? Okay. Correct. Okay.\n\nSo this this might actually help you. A pay a carer's allowance is about a $114 a fortnight. Carer's payment is 6 something per fortnight. Okay. Might might still be the allowance.\n\nThe the allowance figures increased in March. It's I haven't quite memorized them all yet. Okay. So $1.50. Realistically, if you can confirm what the payment type is, she may actually be able to withdraw the money under possibly some type of financial hardship, and that'll just remove it from the super environment.\n\nIt will no longer exist in the super environment, and, basically, she'll never have the super funds, and the money comes to you guys and as it like, in your bank account. The downside to this is she has to pay tax on that money because currently, the money in super is only paid superannuation tax, which is 15%, she has to she'll have to pay up to it's up to 22% of the amount. Yeah. So, like, essentially, it'd be under $2. You'd still end up walking away with sort of 6 3 six 2 something.\n\nSo they will ask for confirmation of Centrelink. So first and foremost, what I'd probably do is, as simple as they are, call Centrelink, and I can email you this. It's called q two thirty. It's basically with authority document that stipulates that you are eligible under the superannuation hardship ruling. That is the first thing that I would do before you even entertain jumping onto the APO.\n\nFrom there, I would then once you get that, you can then jump onto the APO website and go through the financial hardship clause. They will ask the supporting evidence. That supporting evidence will be unpaid bills, bank statements from her showing no comp no money coming in type of thing. They will ask for and when I say unpaid bills, you like, you need to show unpaid bills. If if there's invoices for, like like, you know, for example, kids at school or dentist bills or, you know, anything that you guys are needing to do in the near future, and you can go like, receipts of not receipts, but bills for or invoices for, include those.\n\nThe fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim. We're we're we're we're caught we're we're caught up. Yeah. Yeah. That's the only thing.\n\nWe do. That's my favorite bank. I don't have one of those, but I I get the concept. Well so under that, would dad be willing to go to a JP, like a justice of the peace, and sign a statutory declaration state stating that he loaned x amount of money to you guys with the caveat that had to be repaid by Xdate showing a debt, and he and, like, you could you could write like, your partner could write a a stat deck being like, this happened. Like, you know, Christopher lost job.\n\nWe had all of these bills that were unpaid. We were gonna default on, lose whatever. Tell the story. Don't lie. Tell the story.\n\nSign off under a stat deck, and then go to dad and be like, dad loaned us this money. Then dad has the intention of paying it. Blah blah blah. Dad has to do that one, obviously. Because because a loan from a from a a friend or family member still counts under the ATO claim.\n\nYeah. But that's that's kind of the way you could do it. The only yeah. You still need the q two thirty. Because you're you're going it's the q 230 is it's not a form.\n\nIt's it's it's basically a document of approval that you meet Centrelink requirements. It has a really long stupid name, but it's it's in the industry, it's known as a q two thirty. If you call Centrelink and say, hey. We're we're looking for a q two thirty, any of the the administration team are gonna know what you're talking about. If they don't, they're probably new, and it's just I'm looking to claim financial hardship.\n\nCan you provide confirmation that I am that I do get correct correct support payments? I'm just I'm just trying to look up whether the payments that she's on are approved payments because, basically, I'm cool. Family tax a and b don't. Carers allowance doesn't. It's the carers payment that does because it is an income support payment.\n\nSo it's gonna come down to whether she gets the carers payment or not. Who can I ask who she cares for? Yep. Yep. Yeah.\n\nYeah. Yep. Okay. So that's the care's allowance. Look.\n\nIt's not looking good if that's the one she's on, because it's a payment that is the eligible component. However, carer's payments income tested and granted your income is yeah. Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff. So, yeah, you would you yeah. She wouldn't be eligible for that.\n\nYeah. Okay. So we're back down to our other avenues. Family tax, carers payment, job seeker, disability support pension, parenting payments. Are we planning on having more kids?\n\nOh, you want one more with me? Three feet of the back seat. It was that was good enough. Okay. How old's the youngest?\n\nOh, cute. Good. They are, aren't they? We're sleeping through yet? Is your daughter sleeping through?\n\nYeah. Oh, she she just likes to snuggle. That's fair. Absolutely. Okay.\n\nSo based on no. You can't blame them at all. Like, honestly, they're adorable. My youngest is five. I kinda miss the baby days.\n\nAnyway, I've just had a quick look, and realistically speaking, yeah. Like, the the money is pretty much locked in. She's not gonna get hardship because her the payments that she received are not eligible for the q 02/30. Look. You can give it a shot in the dark.\n\nIt's only a phone call to Centrelink, but if it's the carer's allowance that she's getting, it's not an income support payment, so it doesn't meet requirements. You earn too much for her to get parenting payment. You earn too much for her to get carers payments, which what is you will only get one of them. You don't ever get both. No.\n\nIt's not. It's not considered income support. Yeah. Not under not under, like, the q two thirty. Yeah.\n\nI know. It's a pay. Yeah. Yeah. It's the the frustrating part is, like like, when I say it's a q two thirty form, it's not a it's not a form.\n\nIt's a q two thirty letter of approval, basically. The app the application for it is literally a phone call saying, hi. Do I meet the requirements for q two thirty? And the requirements are twenty six weeks of ongoing continuous income support payments, which if you if you get assessed and they back pay you, that that would basically cover your, like, your your period of time because they'll back pay you, and, basically, it will be as if you had ongoing payments during that period. But it'll all come down to that assessment.\n\nObviously, you have to get approved for the payment first and then just give them a call and have a chat to them. But I'm not exactly hopeful, to be completely honest. I'll have a look, and I'll have a bit of a dig and start brainstorming a little bit just to see if there's any other avenues that I can that are not, like, glaringly obvious or, you know, straight up that I can kinda think of that obviously don't go down the let's financially separate and have a cute document. Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else. So not necessarily an avenue you wanna go.\n\nYou can always stay with hub twenty you can stay with hub twenty four under an SMSF. Like, it's not impossible. Yeah. Let me have a look into it and see if there's a way that I can maybe operate it. Let me let me look into it because I don't think that I'm really I'm racking my head and talking out loud, but let let me look yeah.\n\nLet me look into it and see if there's, like, a a weird, wonderful way that we can do it. But it's $8, so it's that weird kind of it's a bit of money, but it's not a heap of money. It was like yeah. Yeah. And, like, the frustrating part is as well, the APO holding it, they invested on your behalf and do nothing much with it.\n\nCan I ask? Would you, like I will look into the other avenue, but would you be interested in possibly boosting the account? We can invest the money. We can boost it and get things happening for retirement for her. Because, like, realistically, we're planning on being together long term year and year, what, thirty four?\n\nSo, you know, we've got thirty years. I'm assuming wife is of the same age. Would you wanna, like, look at possibly doing some stuff in that avenue where you could contribute to the fund? Mhmm. Because what yeah.\n\nBecause what we could do and, again, I will look at this as option b and look at option a as the first one, like, you know, see if we can get cash out. Option b is there's two types of contribute well, there's three types of contributions. One the first one doesn't work for her because she's not working, so we're gonna write that off. The two that remain are personal and spousal. Because she doesn't earn a taxable income, unless there's something you haven't told me about, but because she doesn't earn a taxable income, her and you are out of a higher tax bracket, you you could basically put a thousand dollars in under what's called a personal contribution, and the government will co contribute into the fund.\n\nSo you put a thousand dollars in, the government will pay 500. So it's basically $500 of free money. Avenue number two is you can put up to $3 in per year, and you, as in Christopher, gets a personal tax rebate. So it's it's $3 in. You'll get 18% of that $3, which is $540 back on your tax.\n\nExactly. So it's a tax free rate there. So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500. So that is an avenue which would see her basically grow her account by $4.5 a year in contributions, and you get that cute little tax rebate on your income, drop down the tax. Super her super fund pays no tax on that amount because of the avenue that it contributed, and it's a way to kinda grow the account that way.\n\nIt obviously affects cash flow for the family and needs to be considered in that avenue, but that is a possibility that we could go down as well and we could look at how that would work strategically. Yep. No. Over the year. Can't be pretax.\n\nIt's post tax money. You there's there's a couple of ways that we can set it up. We could basically have her account just auto deduct from a bank account each week, fortnight, and a month, whatever cycle you wanna do it on, and pay it that way. I'd have to look at the spousal contribution because these are two two different contribution types. They have to be they have to be paid in under different reference codes.\n\nSo it does like, it it it matters how they the money lands, really. But I I can investigate the the specifics of whether I can get that basically withdrawn from your account. The other avenue is you just set up a automatic transfer from your bank account over to, like, the hub pay for bank account or whatever super fund, like, we go with. I mean, it's an intriguing thought process. I I'm gonna be honest, been in the decades been in the industry for over a decade, haven't had that one posed to me.\n\nBut let me have a look into it and see whether it's actually a possibility. Because because, like, your employer would have an an has an obligation to ensure that they pay your SG. So your super like, your super guarantee contributions. They have to make sure that they meet their their legislative obligation. Anything on top of that?\n\nYeah. Yes. Yeah. But think about it. Like, the you were in a 100 I I I'm gonna double check.\n\nYour $175 income, is that your base salary super on top, or is that inclusive? So the 12.5 that you get paid on top of that, that's $218.75. So from that money goes into your super. You actually can split that amount of money, and it gets paid into you can actually transfer that into your wife's super. But it happens after the money's landed in your account.\n\nIt's called spousal splitting, and up to 70 up to 85 of the contributions in a year can be split and transferred to a spouse's account. But I'm I'm I'm gonna be pretty clear about this. More money makes more money. Your income and the contributions going into your account your account would generally make more sense. The only time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where we're at for this kind of avenue.\n\nBecause $4,000 did you say you get paid fortnightly? So $4,000 a fortnight is a 100 and just call it a $154 a fortnight. That like, for the $4, if you want to put the three plus the one into the like, into your wife's account, it'd be a hun $154 a fortnight that you would transfer over to the super fund. So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else? Yep.\n\nAlright. Well, why don't we do this? Why don't I organize a time that I can sit down sit down? We can video call. I don't I don't mind.\n\nWhere I can speak to yourself and I'm sorry. What was your wife's name? Perfect. I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting. I can do a little bit of research we've kinda talked about to see whether there's any other avenues that pop up.\n\nWe can involve her in the conversation, and we are able to maybe do some joint financial advice planning with the two of you. I can get a little bit more information about her. And, obviously, it's a consent conversation as well, to be honest, because it is technically her money. So I'm legally not allowed to act on your instruction. It has to be hers.\n\nAnd but this this conversation's fine because it it's it's general in nature when you're not telling me to go do a thing, and I'm irrespective. I can't go do a thing. I need her to sign off on it. But we can realistically go and do some planning, strategizing, and I can kind of, I guess, wrap the realistically, your annual review's due. So I can wrap that all up into one big conversation.\n\nWe can do a nice big strategy meeting with the the the three of us and and look at how we can plan. Not only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything. Talk about Okay. We can maybe look at some like, if you wanted to do some investing for the kids, put money away from to them, any other avenues that, you know, we can kinda come up with and just make it a bigger conversation. Okay.\n\nOkay. Okay. Okay. So I will go down Avenue A and see if I can pull the $8 and and see what that looks like. I will do a little bit of research this afternoon tomorrow and get you an email tomorrow at the latest and just provide you with, like, a little bit more clarity and, I guess, stop talking while I'm trying to think and actually just stop and think.\n\nAnd then you can hear the cogs turning. And then from there, we can sort of, I guess, still sit down and have that conversation. Because even if it is just that we're gonna withdraw the money, we can maybe have a meeting about what that what the tax is, whether we wanna go down that avenue. Is that what she wants? I can issue I can send the paperwork to you, and we can still have a broader conversation.\n\nCan I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that? Because I can I can literally just book it in now? I was gonna kinda go from there. How about I can do you one better? Tuesday after 05:00.\n\nOh, I can do that. Yeah. Okay. Do you just want 5PM on the dock, 05:30, give you a little bit of time to put your bag down and make coffee? Okay.\n\nAlright. Perfect. I will pop it in my calendar. I will send you a meeting and, like, I'll invite you into the calendar invite as well. Do you wanna do it, like, a Meet meeting and we can have a video conference, or do you wanna just have a phone call?\n\nCool. Yeah. That's fine. Cool. Let's just we'll keep it at Google Meet, face to face and go from there.\n\nFace to name type of thing. And that way you have it in your calendar. I'll do my research. We can have a little bit more of a a planning strategy. Loans.\n\nDo you know where the loans currently sit roughly? You don't have to give me exact figures. Yeah. Yep. Regalco.\n\nYep. Yep. Oh. I mean, that that that one's fine. Okay.\n\nWhat did can I ask? What did what did grandma loan money for? Yep. It's clear. Yeah.\n\nYeah. Fair. It just gets gets us in a little bit better in cash flow position. Okay. So do we currently have a broker that we're talking to?\n\nYep. Yep. Okay. Did we go direct to CBA, or did we go through a barcode? Okay.\n\nYep. Okay. No. That's okay. Alright.\n\nYep. Yeah. No. No. It it it wouldn't have been like, if you made the payment within, like, pretty quickly, it's fine.\n\nEveryone has a missed payment. Okay. So alright. So we're currently going down broker route. Looks like we should have enough coverage.\n\nSo if we're approved for yeah? Six zero six bowing? Did you say? Okay. Yeah.\n\nCan I ask, did we have the discussion with the broker about doing alternatives to putting it all on the mortgage? Like, having a couple of different loans on the mortgage where we just use, like, we put, say, grandma home loan. My biggest concern is and I I like and I I'm again, I'm just kind of without having a look at the proposal, I'm just kind of looking at it. Grandma's interest rate's really low when it's a family loan, so it's not really like, by the time of it, it's not really an interest rate that's compounding. And we're gonna go and put a $100 on our home loan that we're then gonna pay off over thirty years at, let's say, a six point something percent interest rate.\n\nSo over the next thirty years, we're gonna end up compounding that, and it's gonna be much more than we would have paid grandma. While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan? I'm gonna be clear. Not a mortgage broker, but have seen it plenty of times where we can structure the loan to have the mortgage two loans consolidated and then have, like, the smaller ZIP credit card, dad, mom, grandma on another loan that is using the equity of the house using the ex like, using the home loan rate, but not over thirty years. Or have it over thirty years to have it on a second account where we smash money into that one.\n\nPay minimums on the home loan and smash off the rest of it and have two loans on the house rather than just I'm just concerned about putting all of it into one mortgage and having I mean, dad and grandma, we're not paying interest really. If I'm being frank, that's a $113,500 that is currently technically interest free that you're gonna go and put 6% interest for thirty years on. Yep. Yeah. Basically, just pinball the money around, let people get equity in their home, and then throw it back out and handball it again.\n\nNo. I get that from her point of view. Okay. So hands tied behind back. Okay.\n\nAlright. No. No. That that's okay. I just I mhmm.\n\nSorry. Yes. No. I I don't have an answer. I'm I'm just I'm just expressing concern over the specific structuring and not potentially looking at don't be wrong.\n\nLike, it like, what I'm suggesting is a little bit, like, left field, but it's not stupid insane. It's just structuring it a little bit differently to save on interest over the long term. So it just depend on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before. It's, like, structuring loans in different ways to specifically get these kinds of benefit. Because consolidate like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off.\n\nGranted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you. And different brokers work in different ways. So it could be something that's restricted from us being able to do that right now. It it just all depends on circumstance and your broker and what avenues they've looked at. Because even in my industry, every adviser is different.\n\nCan be. Yes. Yep. It also depends on equity in your house. So, like, what your LVR is.\n\nIt it has a so it it it depends on all the variables that are that are sitting there. But yeah. Look. I'm I'm I'm literally just spitballing with you ahead of our meeting because you've now got the thoughts flowing. But look.\n\nI what I might do is I'll just I'll reach out to one of my broker friends and colleagues, and I'll just have a conversation, about whether CBA offer this avenues just as a general, obviously, not disclosing of your personal information, and just kind of spitball with them to see if it's the avenue it could have. And then we'll meet next Tuesday. I can give you all the information that I've found, everything that I've got that I've got. I'll send the invite, and we can we can just kind of go from there and just see where we land the options that we have available. Cool.\n\nPerfect. Well, I have def definitely choose your ear off for more than you probably intended, but I think we can probably get a pretty decent plan going. Me either, but that's okay. I think we can get a pretty decent plan going ahead. I'm actually kind of excited for it.\n\nSo let me get my notes in. Let me start doing some research happening, and I'll meet with you next Tuesday. Nope. That's okay, Crystal. Looking forward to it.\n\nBye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.143445685505867},{"text":"It's way better on my line, so perfect.","start":1.56,"end":8.74,"sentiment":"positive","sentiment_score":0.554812852293253},{"text":"Because this is a new call, I do need to let you know.","start":9.44,"end":11.28,"sentiment":"neutral","sentiment_score":0.05511483664696033},{"text":"Call's recorded, and sorry to do it to you, but I do need to complete security.","start":11.28,"end":14.74,"sentiment":"neutral","sentiment_score":-0.03206435860556667},{"text":"There's a there's a a password on file?","start":15.715,"end":18.775,"sentiment":"neutral","sentiment_score":-0.0037731691409135237}],"sentiment":"neutral","sentiment_score":0.10337448455317391,"num_words":46,"start":0.0,"end":18.775},{"sentences":[{"text":"Thank you.","start":21.075,"end":21.814999,"sentiment":"neutral","sentiment_score":0.3157278895378113},{"text":"Okay.","start":22.435,"end":22.914999,"sentiment":"neutral","sentiment_score":0.036165185272693634},{"text":"So Caden gave me a really brief rundown, but just to recap my knowledge, partner doesn't work, hasn't worked in seven years.","start":22.914999,"end":32.190002,"sentiment":"neutral","sentiment_score":-0.0269626672803001},{"text":"We have a baby not intending on returning to work anytime soon, if ever.","start":32.41,"end":36.83,"sentiment":"neutral","sentiment_score":-0.08232459000178746},{"text":"ATO has claimed super that's been accumulated, and it's now sitting as basically ATO unclaimed funds.","start":38.73,"end":46.785,"sentiment":"neutral","sentiment_score":-0.03227384516503662}],"sentiment":"neutral","sentiment_score":-0.028990609063343567,"num_words":55,"start":21.075,"end":46.785},{"sentences":[{"text":"Cool.","start":49.085,"end":49.585,"sentiment":"neutral","sentiment_score":0.03874053433537483},{"text":"No.","start":62.3,"end":62.46,"sentiment":"neutral","sentiment_score":-0.06820088624954224},{"text":"I love.","start":62.46,"end":63.12,"sentiment":"neutral","sentiment_score":0.11493591964244843},{"text":"What?","start":63.18,"end":63.5,"sentiment":"neutral","sentiment_score":0.12017211318016052},{"text":"Perfection.","start":63.5,"end":64.0,"sentiment":"positive","sentiment_score":0.5775448083877563}],"sentiment":"neutral","sentiment_score":0.14968806815644106,"num_words":6,"start":49.085,"end":64.0},{"sentences":[{"text":"Man of Mary and Hart.","start":65.5,"end":66.7,"sentiment":"neutral","sentiment_score":0.26124892234802244},{"text":"Well, there's a couple of ways it can be done.","start":66.7,"end":71.84,"sentiment":"neutral","sentiment_score":0.04687643870711326},{"text":"Can I ask how much money is there?","start":72.825005,"end":74.925,"sentiment":"neutral","sentiment_score":0.003529408131726086},{"text":"Can you repeat the amount?","start":84.185005,"end":85.545006,"sentiment":"neutral","sentiment_score":-0.004593510366976261},{"text":"Sorry.","start":85.545006,"end":86.045006,"sentiment":"neutral","sentiment_score":-0.044058751314878464}],"sentiment":"neutral","sentiment_score":0.059869584852251516,"num_words":29,"start":65.5,"end":86.045006},{"sentences":[{"text":"Okay.","start":90.49,"end":90.89,"sentiment":"neutral","sentiment_score":0.013319880701601504},{"text":"Alright.","start":90.89,"end":91.369995,"sentiment":"neutral","sentiment_score":0.024230284616351128},{"text":"Yeah.","start":91.369995,"end":91.61,"sentiment":"neutral","sentiment_score":0.02038043737411499},{"text":"Yeah.","start":91.61,"end":91.85,"sentiment":"neutral","sentiment_score":0.017496103420853615},{"text":"No.","start":91.85,"end":91.93,"sentiment":"neutral","sentiment_score":0.009174654260277748}],"sentiment":"neutral","sentiment_score":0.016920272074639798,"num_words":5,"start":90.49,"end":91.93},{"sentences":[{"text":"That's okay.","start":91.93,"end":92.49,"sentiment":"neutral","sentiment_score":0.06061887368559837},{"text":"Cool.","start":92.49,"end":92.99,"sentiment":"neutral","sentiment_score":0.10435827821493147},{"text":"Okay.","start":94.009995,"end":94.49,"sentiment":"neutral","sentiment_score":0.02027868665754795},{"text":"So Just kind of like the the non easiest way, but the the way that I can think of that probably the quickest is technically it's it's not quick.","start":94.49,"end":119.33,"sentiment":"neutral","sentiment_score":-0.06818975495367215},{"text":"It's not easy, actually.","start":119.33,"end":120.47,"sentiment":"neutral","sentiment_score":-0.14213193207979202}],"sentiment":"neutral","sentiment_score":-0.06216637593870227,"num_words":37,"start":91.93,"end":120.47},{"sentences":[{"text":"But the one that's coming to mind is realistically, like, a separation of assets.","start":120.93,"end":128.31,"sentiment":"neutral","sentiment_score":-0.029373028315603733},{"text":"Basically, it it comes down to, like, a divorce agreement where funds are then transferred over from her to you, super wise.","start":129.33,"end":137.835,"sentiment":"neutral","sentiment_score":0.04081589027985253},{"text":"It becomes a family law flag with the super fund, and it can be done that way.","start":137.895,"end":142.55501,"sentiment":"neutral","sentiment_score":0.06722659486181595},{"text":"Alternatively to that, which obviously is a whole heap of paperwork and a whole lot of nonsense, you can do it without obviously paying fees.","start":143.57501,"end":152.7,"sentiment":"neutral","sentiment_score":-0.11428257375955582},{"text":"You can do it by yourself.","start":152.7,"end":153.9,"sentiment":"neutral","sentiment_score":0.004487226406733195}],"sentiment":"neutral","sentiment_score":-0.014292400989991924,"num_words":84,"start":120.93,"end":153.9},{"sentences":[{"text":"It's just it's a lot of paperwork that $8 be transferred.","start":153.9,"end":157.12,"sentiment":"neutral","sentiment_score":-0.1303977830843492},{"text":"That is one of the ways to kinda get around it.","start":159.42,"end":162.075,"sentiment":"neutral","sentiment_score":-0.08649877526543358},{"text":"There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is something that's called sorry.","start":165.995,"end":181.14,"sentiment":"neutral","sentiment_score":-0.05785908046014169},{"text":"What was that?","start":181.14,"end":181.88,"sentiment":"neutral","sentiment_score":-0.14183996121088663},{"text":"Oh, no.","start":185.46,"end":186.2,"sentiment":"neutral","sentiment_score":-0.17296325415372849}],"sentiment":"neutral","sentiment_score":-0.08400847982676303,"num_words":61,"start":153.9,"end":186.2},{"sentences":[{"text":"Sorry.","start":186.34,"end":186.84,"sentiment":"neutral","sentiment_score":-0.18988727033138275},{"text":"Okay.","start":187.38,"end":187.88,"sentiment":"neutral","sentiment_score":-0.10865148901939392},{"text":"Sorry.","start":188.66,"end":189.06,"sentiment":"neutral","sentiment_score":-0.1844916939735413},{"text":"I Yep.","start":189.06,"end":203.205,"sentiment":"neutral","sentiment_score":-0.18451805412769318},{"text":"Okay.","start":211.07,"end":211.47,"sentiment":"neutral","sentiment_score":-0.058124154806137085}],"sentiment":"neutral","sentiment_score":-0.15169845273097357,"num_words":6,"start":186.34,"end":211.47},{"sentences":[{"text":"So yep.","start":211.47,"end":212.77,"sentiment":"neutral","sentiment_score":-0.048406404443085194},{"text":"Okay.","start":214.83,"end":215.23001,"sentiment":"neutral","sentiment_score":-0.03281078115105629},{"text":"So you you were nonworking June, July?","start":215.23001,"end":219.09001,"sentiment":"neutral","sentiment_score":-0.10408878432852882},{"text":"Like, transitioning between jobs?","start":219.95001,"end":221.415,"sentiment":"neutral","sentiment_score":-0.0819700937718153},{"text":"Okay.","start":224.61499,"end":225.11499,"sentiment":"neutral","sentiment_score":-0.038388658314943314}],"sentiment":"neutral","sentiment_score":-0.08163427424927552,"num_words":15,"start":211.47,"end":225.11499},{"sentences":[{"text":"So transitioning between jobs doesn't allow you to claim hardship on the super.","start":227.495,"end":241.26999,"sentiment":"neutral","sentiment_score":-0.21902799147825974},{"text":"There's really, really, really specific requirements for it.","start":241.65,"end":245.03,"sentiment":"neutral","sentiment_score":-0.21885652653872967},{"text":"Can I ask how much how like, what is your annual income?","start":247.89,"end":251.43,"sentiment":"neutral","sentiment_score":-0.005723907922705014},{"text":"Okay.","start":254.825,"end":255.325,"sentiment":"neutral","sentiment_score":0.03337017446756363},{"text":"So you are a high income earner, like, in terms of sort of tax bracket.","start":255.705,"end":261.885,"sentiment":"neutral","sentiment_score":0.03798815732200941}],"sentiment":"neutral","sentiment_score":-0.08293286657759122,"num_words":49,"start":227.495,"end":261.885},{"sentences":[{"text":"Okay.","start":265.85,"end":266.17,"sentiment":"neutral","sentiment_score":0.05459306761622429},{"text":"So there's there's sort of three avenues I'm kind of spitballing at the moment.","start":266.17,"end":270.99002,"sentiment":"neutral","sentiment_score":-0.04401716323835509},{"text":"If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting.","start":271.77002,"end":288.205,"sentiment":"neutral","sentiment_score":0.02116501848429961},{"text":"Generally, we can only transfer about 85% of the funds.","start":289.305,"end":294.15,"sentiment":"neutral","sentiment_score":-0.059119400754570964},{"text":"I need to just investigate it because, obviously, she hasn't contributed anything into the fund.","start":294.21,"end":299.35,"sentiment":"neutral","sentiment_score":-0.16976670175790787}],"sentiment":"neutral","sentiment_score":-0.033605372973616765,"num_words":83,"start":265.85,"end":299.35},{"sentences":[{"text":"How we can sort of navigate that caveat, That that could be an avenue that we could look down.","start":300.85,"end":307.625,"sentiment":"neutral","sentiment_score":-0.06451800916539996},{"text":"Yeah?","start":308.005,"end":308.505,"sentiment":"neutral","sentiment_score":0.02830493450164795},{"text":"It's individual across the board.","start":324.26,"end":326.12,"sentiment":"neutral","sentiment_score":-0.012797773256897927},{"text":"Yeah.","start":328.42,"end":328.90002,"sentiment":"neutral","sentiment_score":-0.06419812142848969},{"text":"So, like, in a in a divorce, superannuation can form part of the marital assets and can be utilized to basically transition across.","start":328.90002,"end":341.065,"sentiment":"neutral","sentiment_score":0.1525316005167754}],"sentiment":"neutral","sentiment_score":0.04454086907207966,"num_words":49,"start":300.85,"end":341.065},{"sentences":[{"text":"So theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super.","start":341.125,"end":354.24002,"sentiment":"neutral","sentiment_score":0.16836077962503876},{"text":"Outside of that, like, even an like a even a self no.","start":355.58002,"end":361.84497,"sentiment":"neutral","sentiment_score":-0.057590861028681196},{"text":"Like, you don't have to proceed with the actual divorce.","start":362.06497,"end":364.305,"sentiment":"neutral","sentiment_score":-0.049620719626545906},{"text":"It would it's just basically paperwork wise, like, financial planning, but it's still a split headache to to go through that.","start":364.305,"end":374.72498,"sentiment":"neutral","sentiment_score":-0.1411475223444757},{"text":"She wouldn't be receiving Centrelink payments, would she?","start":377.22,"end":379.30002,"sentiment":"neutral","sentiment_score":-0.12431478686630726}],"sentiment":"neutral","sentiment_score":0.022272337564921127,"num_words":94,"start":341.125,"end":379.30002},{"sentences":[{"text":"Because your income's too high.","start":379.30002,"end":381.88,"sentiment":"neutral","sentiment_score":-0.2339284598827362},{"text":"Yep.","start":402.09003,"end":402.59003,"sentiment":"neutral","sentiment_score":0.008123917505145073},{"text":"Okay.","start":408.09003,"end":408.59003,"sentiment":"neutral","sentiment_score":0.00018467940390110016},{"text":"What what did we put in a claim for under Fintech Link?","start":410.49002,"end":414.195,"sentiment":"neutral","sentiment_score":0.004695984534919262},{"text":"Like, family tax?","start":415.715,"end":417.89502,"sentiment":"neutral","sentiment_score":-0.009802602852384249}],"sentiment":"neutral","sentiment_score":-0.051563168029216205,"num_words":22,"start":379.30002,"end":417.89502},{"sentences":[{"text":"Okay.","start":418.195,"end":418.695,"sentiment":"neutral","sentiment_score":0.007054065354168415},{"text":"And you said she's receiving carer's payments or allowed?","start":420.995,"end":426.435,"sentiment":"neutral","sentiment_score":0.005926803996165593},{"text":"Okay.","start":426.435,"end":426.935,"sentiment":"neutral","sentiment_score":-0.0059173861518502235},{"text":"Correct.","start":433.05,"end":433.55,"sentiment":"neutral","sentiment_score":0.046314217150211334},{"text":"Okay.","start":434.33,"end":434.81,"sentiment":"neutral","sentiment_score":0.06080739200115204}],"sentiment":"neutral","sentiment_score":0.0124307326399363,"num_words":13,"start":418.195,"end":434.81},{"sentences":[{"text":"So this this might actually help you.","start":434.81,"end":437.71,"sentiment":"neutral","sentiment_score":0.1484344686780657},{"text":"A pay a carer's allowance is about a $114 a fortnight.","start":438.25,"end":442.59,"sentiment":"neutral","sentiment_score":0.09563644839958711},{"text":"Carer's payment is 6 something per fortnight.","start":443.135,"end":452.995,"sentiment":"neutral","sentiment_score":0.040951043899570196},{"text":"Okay.","start":455.295,"end":455.795,"sentiment":"neutral","sentiment_score":0.04613595083355904},{"text":"Might might still be the allowance.","start":456.575,"end":458.77,"sentiment":"neutral","sentiment_score":0.03360114308694998}],"sentiment":"neutral","sentiment_score":0.08204507280606776,"num_words":32,"start":434.81,"end":458.77},{"sentences":[{"text":"The the allowance figures increased in March.","start":458.99,"end":462.91,"sentiment":"neutral","sentiment_score":0.03337939376277583},{"text":"It's I haven't quite memorized them all yet.","start":462.91,"end":465.65,"sentiment":"neutral","sentiment_score":-0.013692595763131976},{"text":"Okay.","start":466.91,"end":467.15,"sentiment":"neutral","sentiment_score":0.04011790454387665},{"text":"So $1.50.","start":467.15,"end":468.61,"sentiment":"neutral","sentiment_score":0.041919078677892685},{"text":"Realistically, if you can confirm what the payment type is, she may actually be able to withdraw the money under possibly some type of financial hardship, and that'll just remove it from the super environment.","start":470.50998,"end":485.60498,"sentiment":"neutral","sentiment_score":0.2534727230668068}],"sentiment":"neutral","sentiment_score":0.1720682331975901,"num_words":53,"start":458.99,"end":485.60498},{"sentences":[{"text":"It will no longer exist in the super environment, and, basically, she'll never have the super funds, and the money comes to you guys and as it like, in your bank account.","start":485.60498,"end":494.22998,"sentiment":"neutral","sentiment_score":0.2693661004304886},{"text":"The downside to this is she has to pay tax on that money because currently, the money in super is only paid superannuation tax, which is 15%, she has to she'll have to pay up to it's up to 22% of the amount.","start":494.53,"end":511.805,"sentiment":"neutral","sentiment_score":-0.2965141983572827},{"text":"Yeah.","start":521.22003,"end":521.46,"sentiment":"neutral","sentiment_score":0.024459999054670337},{"text":"So, like, essentially, it'd be under $2.","start":521.46,"end":523.54,"sentiment":"neutral","sentiment_score":0.002601529305268611},{"text":"You'd still end up walking away with sort of 6 3 six 2 something.","start":523.54,"end":528.36,"sentiment":"neutral","sentiment_score":-0.15505196945741773}],"sentiment":"neutral","sentiment_score":-0.0645201256061837,"num_words":97,"start":485.60498,"end":528.36},{"sentences":[{"text":"So they will ask for confirmation of Centrelink.","start":542.565,"end":546.83,"sentiment":"neutral","sentiment_score":0.09699442703276873},{"text":"So first and foremost, what I'd probably do is, as simple as they are, call Centrelink, and I can email you this.","start":547.05,"end":555.07,"sentiment":"neutral","sentiment_score":0.14667607708410782},{"text":"It's called q two thirty.","start":555.29,"end":556.99,"sentiment":"neutral","sentiment_score":0.11575123369693756},{"text":"It's basically with authority document that stipulates that you are eligible under the superannuation hardship ruling.","start":558.41,"end":566.835,"sentiment":"neutral","sentiment_score":0.10949699324555695},{"text":"That is the first thing that I would do before you even entertain jumping onto the APO.","start":567.695,"end":572.195,"sentiment":"neutral","sentiment_score":-0.0023765409474863727}],"sentiment":"neutral","sentiment_score":0.09254611730027724,"num_words":68,"start":542.565,"end":572.195},{"sentences":[{"text":"From there, I would then once you get that, you can then jump onto the APO website and go through the financial hardship clause.","start":573.01,"end":582.39,"sentiment":"neutral","sentiment_score":0.05897547102843722},{"text":"They will ask the supporting evidence.","start":582.69,"end":584.55,"sentiment":"neutral","sentiment_score":0.0031675081700086594},{"text":"That supporting evidence will be unpaid bills, bank statements from her showing no comp no money coming in type of thing.","start":584.91504,"end":593.335,"sentiment":"neutral","sentiment_score":-0.1341401476945196},{"text":"They will ask for and when I say unpaid bills, you like, you need to show unpaid bills.","start":593.47504,"end":599.895,"sentiment":"neutral","sentiment_score":-0.16539963665935728},{"text":"If if there's invoices for, like like, you know, for example, kids at school or dentist bills or, you know, anything that you guys are needing to do in the near future, and you can go like, receipts of not receipts, but bills for or invoices for, include those.","start":600.94995,"end":619.775,"sentiment":"neutral","sentiment_score":-0.04731555765836823}],"sentiment":"neutral","sentiment_score":-0.05659476722890543,"num_words":118,"start":573.01,"end":619.775},{"sentences":[{"text":"The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim.","start":621.195,"end":631.02997,"sentiment":"neutral","sentiment_score":-0.3070890922099352},{"text":"We're we're we're we're caught we're we're caught up.","start":633.00995,"end":635.19,"sentiment":"neutral","sentiment_score":-0.13473557266924116},{"text":"Yeah.","start":637.00995,"end":637.50995,"sentiment":"neutral","sentiment_score":0.01077486388385296},{"text":"Yeah.","start":639.555,"end":639.795,"sentiment":"neutral","sentiment_score":0.005703719332814217},{"text":"That's the only thing.","start":639.795,"end":640.855,"sentiment":"neutral","sentiment_score":-0.007148936158046126}],"sentiment":"neutral","sentiment_score":-0.2456054727970199,"num_words":55,"start":621.195,"end":640.855},{"sentences":[{"text":"We do.","start":641.395,"end":642.135,"sentiment":"neutral","sentiment_score":0.11198266968131065},{"text":"That's my favorite bank.","start":643.635,"end":644.755,"sentiment":"neutral","sentiment_score":0.156601183116436},{"text":"I don't have one of those, but I I get the concept.","start":644.755,"end":647.255,"sentiment":"neutral","sentiment_score":0.012223243558158478},{"text":"Well so under that, would dad be willing to go to a JP, like a justice of the peace, and sign a statutory declaration state stating that he loaned x amount of money to you guys with the caveat that had to be repaid by Xdate showing a debt, and he and, like, you could you could write like, your partner could write a a stat deck being like, this happened.","start":652.755,"end":682.57996,"sentiment":"neutral","sentiment_score":-0.01892193218260269},{"text":"Like, you know, Christopher lost job.","start":682.57996,"end":685.24,"sentiment":"neutral","sentiment_score":-0.15799610068400702}],"sentiment":"neutral","sentiment_score":-0.013625103100448063,"num_words":95,"start":641.395,"end":685.24},{"sentences":[{"text":"We had all of these bills that were unpaid.","start":685.24,"end":687.18,"sentiment":"neutral","sentiment_score":-0.22031056549814013},{"text":"We were gonna default on, lose whatever.","start":687.56,"end":689.89996,"sentiment":"neutral","sentiment_score":-0.23076765452112472},{"text":"Tell the story.","start":690.19995,"end":691.1,"sentiment":"neutral","sentiment_score":-0.08114957064390182},{"text":"Don't lie.","start":691.24,"end":692.06,"sentiment":"neutral","sentiment_score":-0.10569274425506592},{"text":"Tell the story.","start":692.68,"end":693.57996,"sentiment":"neutral","sentiment_score":-0.029518660778800648}],"sentiment":"neutral","sentiment_score":-0.1725649522462239,"num_words":24,"start":685.24,"end":693.57996},{"sentences":[{"text":"Sign off under a stat deck, and then go to dad and be like, dad loaned us this money.","start":693.63995,"end":698.385,"sentiment":"neutral","sentiment_score":0.018138528360348},{"text":"Then dad has the intention of paying it.","start":698.685,"end":700.625,"sentiment":"neutral","sentiment_score":-0.04914656630717218},{"text":"Blah blah blah.","start":700.84503,"end":701.565,"sentiment":"neutral","sentiment_score":-0.13024347772200903},{"text":"Dad has to do that one, obviously.","start":701.565,"end":703.10504,"sentiment":"neutral","sentiment_score":0.010541612548487527},{"text":"Because because a loan from a from a a friend or family member still counts under the ATO claim.","start":704.04504,"end":716.42,"sentiment":"neutral","sentiment_score":0.12144637950941135}],"sentiment":"neutral","sentiment_score":0.034678599531097073,"num_words":56,"start":693.63995,"end":716.42},{"sentences":[{"text":"Yeah.","start":716.42,"end":716.92,"sentiment":"neutral","sentiment_score":0.013776985928416252},{"text":"But that's that's kind of the way you could do it.","start":718.5,"end":722.18,"sentiment":"neutral","sentiment_score":-0.007012878629294309},{"text":"The only yeah.","start":722.18,"end":724.455,"sentiment":"neutral","sentiment_score":-0.015117846118907133},{"text":"You still need the q two thirty.","start":724.455,"end":725.835,"sentiment":"neutral","sentiment_score":-0.012443343443529946},{"text":"Because you're you're going it's the q 230 is it's not a form.","start":727.575,"end":731.17505,"sentiment":"neutral","sentiment_score":-0.02861987713437814}],"sentiment":"neutral","sentiment_score":-0.016225143548633372,"num_words":35,"start":716.42,"end":731.17505},{"sentences":[{"text":"It's it's it's basically a document of approval that you meet Centrelink requirements.","start":731.17505,"end":736.47504,"sentiment":"neutral","sentiment_score":0.02440852394927508},{"text":"It has a really long stupid name, but it's it's in the industry, it's known as a q two thirty.","start":739.66,"end":744.39996,"sentiment":"neutral","sentiment_score":-0.10506797637790441},{"text":"If you call Centrelink and say, hey.","start":744.54,"end":746.13995,"sentiment":"neutral","sentiment_score":-0.05764594833765711},{"text":"We're we're looking for a q two thirty, any of the the administration team are gonna know what you're talking about.","start":746.13995,"end":753.075,"sentiment":"neutral","sentiment_score":-0.12696882106718563},{"text":"If they don't, they're probably new, and it's just I'm looking to claim financial hardship.","start":753.555,"end":757.235,"sentiment":"negative","sentiment_score":-0.3421707143386205}],"sentiment":"neutral","sentiment_score":-0.13140100410620156,"num_words":76,"start":731.17505,"end":757.235},{"sentences":[{"text":"Can you provide confirmation that I am that I do get correct correct support payments?","start":757.235,"end":766.695,"sentiment":"neutral","sentiment_score":0.10418643802404404},{"text":"I'm just I'm just trying to look up whether the payments that she's on are approved payments because, basically, I'm cool.","start":773.04,"end":801.91,"sentiment":"neutral","sentiment_score":0.061855186619574114},{"text":"Family tax a and b don't.","start":805.65,"end":807.41,"sentiment":"neutral","sentiment_score":-0.13019770880540213},{"text":"Carers allowance doesn't.","start":807.41,"end":809.02997,"sentiment":"neutral","sentiment_score":-0.1321636438369751},{"text":"It's the carers payment that does because it is an income support payment.","start":809.535,"end":813.795,"sentiment":"neutral","sentiment_score":-0.02609257256755462}],"sentiment":"neutral","sentiment_score":0.023187497614658083,"num_words":58,"start":757.235,"end":813.795},{"sentences":[{"text":"So it's gonna come down to whether she gets the carers payment or not.","start":816.415,"end":821.39496,"sentiment":"neutral","sentiment_score":-0.055057676608807275},{"text":"Who can I ask who she cares for?","start":821.83,"end":824.01,"sentiment":"neutral","sentiment_score":-0.058957600966095924},{"text":"Yep.","start":830.47,"end":830.97,"sentiment":"neutral","sentiment_score":0.03542337566614151},{"text":"Yep.","start":834.975,"end":835.475,"sentiment":"neutral","sentiment_score":0.02097255736589432},{"text":"Yeah.","start":838.91626,"end":839.41626,"sentiment":"neutral","sentiment_score":-0.006973350420594215}],"sentiment":"neutral","sentiment_score":-0.047721827905625104,"num_words":25,"start":816.415,"end":839.41626},{"sentences":[{"text":"Yeah.","start":842.8575,"end":843.3575,"sentiment":"neutral","sentiment_score":0.03611581772565842},{"text":"Yep.","start":846.7987,"end":847.2987,"sentiment":"neutral","sentiment_score":0.11803166568279266},{"text":"Okay.","start":870.135,"end":870.375,"sentiment":"neutral","sentiment_score":0.036879975348711014},{"text":"So that's the care's allowance.","start":870.375,"end":871.995,"sentiment":"neutral","sentiment_score":0.02997824624180794},{"text":"Look.","start":876.215,"end":876.455,"sentiment":"neutral","sentiment_score":-0.06012857332825661}],"sentiment":"neutral","sentiment_score":0.031198901848660573,"num_words":9,"start":842.8575,"end":876.455},{"sentences":[{"text":"It's not looking good if that's the one she's on, because it's a payment that is the eligible component.","start":876.455,"end":887.91,"sentiment":"negative","sentiment_score":-0.39783653460050883},{"text":"However, carer's payments income tested and granted your income is yeah.","start":889.00995,"end":899.32495,"sentiment":"neutral","sentiment_score":-0.131260638887232},{"text":"Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff.","start":899.32495,"end":914.26,"sentiment":"neutral","sentiment_score":-0.24945262934152895},{"text":"So, yeah, you would you yeah.","start":914.32,"end":916.56,"sentiment":"neutral","sentiment_score":-0.225175179541111},{"text":"She wouldn't be eligible for that.","start":916.56,"end":918.02,"sentiment":"neutral","sentiment_score":-0.28884075085322064}],"sentiment":"neutral","sentiment_score":-0.27312684015316124,"num_words":68,"start":876.455,"end":918.02},{"sentences":[{"text":"Yeah.","start":919.2,"end":919.68,"sentiment":"neutral","sentiment_score":-0.01061517745256424},{"text":"Okay.","start":919.68,"end":920.18,"sentiment":"neutral","sentiment_score":0.004448817111551762},{"text":"So we're back down to our other avenues.","start":920.24,"end":925.915,"sentiment":"neutral","sentiment_score":0.017630163114517927},{"text":"Family tax, carers payment, job seeker, disability support pension, parenting payments.","start":936.22003,"end":942.48004,"sentiment":"neutral","sentiment_score":0.0070830531926317645},{"text":"Are we planning on having more kids?","start":945.26,"end":947.12006,"sentiment":"neutral","sentiment_score":0.0016250120741980417}],"sentiment":"neutral","sentiment_score":0.008005843364766665,"num_words":28,"start":919.2,"end":947.12006},{"sentences":[{"text":"Oh, you want one more with me?","start":952.055,"end":953.415,"sentiment":"neutral","sentiment_score":0.01731696112879685},{"text":"Three feet of the back seat.","start":953.415,"end":954.295,"sentiment":"neutral","sentiment_score":0.04624423881371816},{"text":"It was that was good enough.","start":954.295,"end":955.755,"sentiment":"neutral","sentiment_score":0.1552099883556366},{"text":"Okay.","start":956.935,"end":957.435,"sentiment":"neutral","sentiment_score":0.022625621408224102},{"text":"How old's the youngest?","start":957.815,"end":959.115,"sentiment":"neutral","sentiment_score":0.008163852151483297}],"sentiment":"neutral","sentiment_score":0.05771771337216099,"num_words":24,"start":952.055,"end":959.115},{"sentences":[{"text":"Oh, cute.","start":962.85,"end":963.64996,"sentiment":"positive","sentiment_score":0.38904666900634766},{"text":"Good.","start":963.64996,"end":964.14996,"sentiment":"positive","sentiment_score":0.4321511387825012},{"text":"They are, aren't they?","start":969.57,"end":970.45,"sentiment":"neutral","sentiment_score":0.07098350441083312},{"text":"We're sleeping through yet?","start":970.45,"end":971.67,"sentiment":"neutral","sentiment_score":0.0047438235487788916},{"text":"Is your daughter sleeping through?","start":976.38495,"end":977.925,"sentiment":"neutral","sentiment_score":-0.015851386450231077}],"sentiment":"neutral","sentiment_score":0.08961855352390558,"num_words":16,"start":962.85,"end":977.925},{"sentences":[{"text":"Yeah.","start":981.425,"end":981.925,"sentiment":"neutral","sentiment_score":-0.026319310069084167},{"text":"Oh, she she just likes to snuggle.","start":986.225,"end":988.945,"sentiment":"positive","sentiment_score":0.4074420545782362},{"text":"That's fair.","start":988.945,"end":989.64,"sentiment":"neutral","sentiment_score":0.24023780971765518},{"text":"Absolutely.","start":999.4,"end":999.9,"sentiment":"neutral","sentiment_score":0.288051038980484},{"text":"Okay.","start":1001.24,"end":1001.74,"sentiment":"neutral","sentiment_score":0.13761159777641296}],"sentiment":"neutral","sentiment_score":0.3109927773475647,"num_words":12,"start":981.425,"end":1001.74},{"sentences":[{"text":"So based on no.","start":1001.985,"end":1004.785,"sentiment":"neutral","sentiment_score":-0.05427773855626583},{"text":"You can't blame them at all.","start":1004.785,"end":1006.225,"sentiment":"neutral","sentiment_score":-0.04031830653548241},{"text":"Like, honestly, they're adorable.","start":1006.225,"end":1007.665,"sentiment":"positive","sentiment_score":0.4076172448694706},{"text":"My youngest is five.","start":1007.665,"end":1008.705,"sentiment":"neutral","sentiment_score":0.0026480574160814285},{"text":"I kinda miss the baby days.","start":1008.705,"end":1010.165,"sentiment":"neutral","sentiment_score":-0.1887147178252538}],"sentiment":"neutral","sentiment_score":0.002073004531363646,"num_words":24,"start":1001.985,"end":1010.165},{"sentences":[{"text":"Anyway, I've just had a quick look, and realistically speaking, yeah.","start":1011.265,"end":1019.94,"sentiment":"neutral","sentiment_score":-0.07553453811190346},{"text":"Like, the the money is pretty much locked in.","start":1019.94,"end":1023.48,"sentiment":"neutral","sentiment_score":-0.16074760754903158},{"text":"She's not gonna get hardship because her the payments that she received are not eligible for the q 02/30.","start":1023.69995,"end":1030.345,"sentiment":"neutral","sentiment_score":-0.26168341464117956},{"text":"Look.","start":1030.485,"end":1030.725,"sentiment":"neutral","sentiment_score":-0.06512417644262314},{"text":"You can give it a shot in the dark.","start":1030.725,"end":1031.7649,"sentiment":"neutral","sentiment_score":-0.1229643358124627}],"sentiment":"neutral","sentiment_score":-0.17186523396141676,"num_words":49,"start":1011.265,"end":1031.7649},{"sentences":[{"text":"It's only a phone call to Centrelink, but if it's the carer's allowance that she's getting, it's not an income support payment, so it doesn't meet requirements.","start":1031.7649,"end":1039.385,"sentiment":"neutral","sentiment_score":-0.1525322461017856},{"text":"You earn too much for her to get parenting payment.","start":1041.9501,"end":1043.9501,"sentiment":"negative","sentiment_score":-0.3578810811042786},{"text":"You earn too much for her to get carers payments, which what is you will only get one of them.","start":1043.9501,"end":1049.55,"sentiment":"negative","sentiment_score":-0.3906275935471058},{"text":"You don't ever get both.","start":1049.55,"end":1050.85,"sentiment":"neutral","sentiment_score":-0.326514345407486},{"text":"No.","start":1054.67,"end":1055.0701,"sentiment":"neutral","sentiment_score":-0.2989746332168579}],"sentiment":"neutral","sentiment_score":-0.2768457093172603,"num_words":63,"start":1031.7649,"end":1055.0701},{"sentences":[{"text":"It's not.","start":1055.0701,"end":1055.81,"sentiment":"neutral","sentiment_score":-0.2963479161262512},{"text":"It's not considered income support.","start":1055.9149,"end":1057.515,"sentiment":"neutral","sentiment_score":-0.17506107091903686},{"text":"Yeah.","start":1057.515,"end":1057.9149,"sentiment":"neutral","sentiment_score":-0.0904971957206726},{"text":"Not under not under, like, the q two thirty.","start":1057.9149,"end":1060.495,"sentiment":"neutral","sentiment_score":-0.16272607611285317},{"text":"Yeah.","start":1061.595,"end":1061.995,"sentiment":"neutral","sentiment_score":-0.07378633320331573}],"sentiment":"neutral","sentiment_score":-0.1720455222659641,"num_words":18,"start":1055.0701,"end":1061.995},{"sentences":[{"text":"I know.","start":1061.995,"end":1062.5549,"sentiment":"neutral","sentiment_score":-0.11893036961555481},{"text":"It's a pay.","start":1062.5549,"end":1063.375,"sentiment":"neutral","sentiment_score":-0.2490388254324595},{"text":"Yeah.","start":1074.05,"end":1074.55,"sentiment":"neutral","sentiment_score":-0.150672048330307},{"text":"Yeah.","start":1078.13,"end":1078.63,"sentiment":"neutral","sentiment_score":-0.09004028141498566},{"text":"It's the the frustrating part is, like like, when I say it's a q two thirty form, it's not a it's not a form.","start":1090.215,"end":1095.095,"sentiment":"negative","sentiment_score":-0.4137027203881492}],"sentiment":"negative","sentiment_score":-0.35982434950288267,"num_words":31,"start":1061.995,"end":1095.095},{"sentences":[{"text":"It's a q two thirty letter of approval, basically.","start":1095.095,"end":1097.755,"sentiment":"neutral","sentiment_score":-0.28694693909751046},{"text":"The app the application for it is literally a phone call saying, hi.","start":1098.135,"end":1101.355,"sentiment":"neutral","sentiment_score":0.06256694633227128},{"text":"Do I meet the requirements for q two thirty?","start":1101.6799,"end":1104.5,"sentiment":"neutral","sentiment_score":-0.0248586092558172},{"text":"And the requirements are twenty six weeks of ongoing continuous income support payments, which if you if you get assessed and they back pay you, that that would basically cover your, like, your your period of time because they'll back pay you, and, basically, it will be as if you had ongoing payments during that period.","start":1105.04,"end":1131.265,"sentiment":"neutral","sentiment_score":-0.11329493957704731},{"text":"But it'll all come down to that assessment.","start":1133.42,"end":1135.26,"sentiment":"neutral","sentiment_score":-0.11222667992115021}],"sentiment":"neutral","sentiment_score":-0.09721273356362393,"num_words":95,"start":1095.095,"end":1135.26},{"sentences":[{"text":"Obviously, you have to get approved for the payment first and then just give them a call and have a chat to them.","start":1135.26,"end":1141.2001,"sentiment":"neutral","sentiment_score":-0.12286574199147847},{"text":"But I'm not exactly hopeful, to be completely honest.","start":1141.26,"end":1146.0,"sentiment":"negative","sentiment_score":-0.5505395283301672},{"text":"I'll have a look, and I'll have a bit of a dig and start brainstorming a little bit just to see if there's any other avenues that I can that are not, like, glaringly obvious or, you know, straight up that I can kinda think of that obviously don't go down the let's financially separate and have a cute document.","start":1146.4249,"end":1165.1799,"sentiment":"neutral","sentiment_score":0.07625778817261258},{"text":"Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else.","start":1166.76,"end":1189.52,"sentiment":"neutral","sentiment_score":0.14262677381028893},{"text":"So not necessarily an avenue you wanna go.","start":1191.02,"end":1193.92,"sentiment":"neutral","sentiment_score":-0.05889855697751045}],"sentiment":"neutral","sentiment_score":0.031203380224775083,"num_words":161,"start":1135.26,"end":1193.92},{"sentences":[{"text":"You can always stay with hub twenty you can stay with hub twenty four under an SMSF.","start":1195.5801,"end":1199.6,"sentiment":"neutral","sentiment_score":0.0701988219995709},{"text":"Like, it's not impossible.","start":1199.66,"end":1201.605,"sentiment":"neutral","sentiment_score":0.03758085612207651},{"text":"Yeah.","start":1202.945,"end":1203.445,"sentiment":"neutral","sentiment_score":0.10551896691322328},{"text":"Let me have a look into it and see if there's a way that I can maybe operate it.","start":1204.3049,"end":1210.085,"sentiment":"neutral","sentiment_score":0.1348908598485746},{"text":"Let me let me look into it because I don't think that I'm really I'm racking my head and talking out loud, but let let me look yeah.","start":1211.4249,"end":1221.07,"sentiment":"neutral","sentiment_score":-0.050878104088561873}],"sentiment":"neutral","sentiment_score":0.03750089547880318,"num_words":69,"start":1195.5801,"end":1221.07},{"sentences":[{"text":"Let me look into it and see if there's, like, a a weird, wonderful way that we can do it.","start":1221.07,"end":1224.6699,"sentiment":"neutral","sentiment_score":0.25601066313683984},{"text":"But it's $8, so it's that weird kind of it's a bit of money, but it's not a heap of money.","start":1224.6699,"end":1230.9551,"sentiment":"neutral","sentiment_score":-0.11258718327042602},{"text":"It was like yeah.","start":1231.0951,"end":1232.875,"sentiment":"neutral","sentiment_score":-0.13768337201327085},{"text":"Yeah.","start":1234.055,"end":1234.535,"sentiment":"neutral","sentiment_score":-0.06832136958837509},{"text":"And, like, the frustrating part is as well, the APO holding it, they invested on your behalf and do nothing much with it.","start":1234.535,"end":1240.555,"sentiment":"negative","sentiment_score":-0.3843294388574103}],"sentiment":"neutral","sentiment_score":-0.09714129764208759,"num_words":69,"start":1221.07,"end":1240.555},{"sentences":[{"text":"Can I ask?","start":1241.895,"end":1242.795,"sentiment":"neutral","sentiment_score":-0.06677903234958649},{"text":"Would you, like I will look into the other avenue, but would you be interested in possibly boosting the account?","start":1242.8551,"end":1251.36,"sentiment":"neutral","sentiment_score":0.05078898724168539},{"text":"We can invest the money.","start":1251.58,"end":1253.02,"sentiment":"neutral","sentiment_score":0.2881848305463791},{"text":"We can boost it and get things happening for retirement for her.","start":1253.02,"end":1257.2,"sentiment":"positive","sentiment_score":0.49706245322401327},{"text":"Because, like, realistically, we're planning on being together long term year and year, what, thirty four?","start":1257.455,"end":1262.835,"sentiment":"neutral","sentiment_score":0.30434700287878513}],"sentiment":"neutral","sentiment_score":0.23376193366545653,"num_words":56,"start":1241.895,"end":1262.835},{"sentences":[{"text":"So, you know, we've got thirty years.","start":1263.7749,"end":1266.575,"sentiment":"neutral","sentiment_score":0.07593507851873126},{"text":"I'm assuming wife is of the same age.","start":1266.575,"end":1269.315,"sentiment":"neutral","sentiment_score":0.060597111005336046},{"text":"Would you wanna, like, look at possibly doing some stuff in that avenue where you could contribute to the fund?","start":1269.8899,"end":1276.5499,"sentiment":"neutral","sentiment_score":0.12630288526415825},{"text":"Mhmm.","start":1285.645,"end":1286.145,"sentiment":"neutral","sentiment_score":0.25093671679496765},{"text":"Because what yeah.","start":1295.77,"end":1298.89,"sentiment":"neutral","sentiment_score":0.08756387854615848}],"sentiment":"neutral","sentiment_score":0.10400021783052346,"num_words":39,"start":1263.7749,"end":1298.89},{"sentences":[{"text":"Because what we could do and, again, I will look at this as option b and look at option a as the first one, like, you know, see if we can get cash out.","start":1298.89,"end":1307.175,"sentiment":"neutral","sentiment_score":0.15043337095309706},{"text":"Option b is there's two types of contribute well, there's three types of contributions.","start":1308.4551,"end":1312.155,"sentiment":"neutral","sentiment_score":0.0552134213170835},{"text":"One the first one doesn't work for her because she's not working, so we're gonna write that off.","start":1313.015,"end":1317.255,"sentiment":"neutral","sentiment_score":-0.16255920421746042},{"text":"The two that remain are personal and spousal.","start":1317.255,"end":1319.8351,"sentiment":"neutral","sentiment_score":0.027482016012072563},{"text":"Because she doesn't earn a taxable income, unless there's something you haven't told me about, but because she doesn't earn a taxable income, her and you are out of a higher tax bracket, you you could basically put a thousand dollars in under what's called a personal contribution, and the government will co contribute into the fund.","start":1320.1901,"end":1342.445,"sentiment":"neutral","sentiment_score":0.07849050402281839}],"sentiment":"neutral","sentiment_score":0.05843871520860618,"num_words":131,"start":1298.89,"end":1342.445},{"sentences":[{"text":"So you put a thousand dollars in, the government will pay 500.","start":1342.445,"end":1344.9249,"sentiment":"neutral","sentiment_score":0.24567295735081038},{"text":"So it's basically $500 of free money.","start":1344.9249,"end":1347.265,"sentiment":"positive","sentiment_score":0.38902582015310017},{"text":"Avenue number two is you can put up to $3 in per year, and you, as in Christopher, gets a personal tax rebate.","start":1348.47,"end":1363.385,"sentiment":"neutral","sentiment_score":0.25283954260141955},{"text":"So it's it's $3 in.","start":1364.0851,"end":1368.805,"sentiment":"neutral","sentiment_score":0.28594416081905366},{"text":"You'll get 18% of that $3, which is $540 back on your tax.","start":1368.805,"end":1377.09,"sentiment":"neutral","sentiment_score":0.24982339258377367}],"sentiment":"neutral","sentiment_score":0.26939984361330666,"num_words":60,"start":1342.445,"end":1377.09},{"sentences":[{"text":"Exactly.","start":1378.69,"end":1379.09,"sentiment":"neutral","sentiment_score":0.2655594050884247},{"text":"So it's a tax free rate there.","start":1379.09,"end":1380.63,"sentiment":"neutral","sentiment_score":0.19957813580653497},{"text":"So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500.","start":1381.33,"end":1398.545,"sentiment":"neutral","sentiment_score":0.08775618966472776},{"text":"So that is an avenue which would see her basically grow her account by $4.5 a year in contributions, and you get that cute little tax rebate on your income, drop down the tax.","start":1400.285,"end":1416.28,"sentiment":"positive","sentiment_score":0.5170224037240533},{"text":"Super her super fund pays no tax on that amount because of the avenue that it contributed, and it's a way to kinda grow the account that way.","start":1417.22,"end":1429.245,"sentiment":"positive","sentiment_score":0.5472024913345065}],"sentiment":"positive","sentiment_score":0.3509053059905354,"num_words":108,"start":1378.69,"end":1429.245},{"sentences":[{"text":"It obviously affects cash flow for the family and needs to be considered in that avenue, but that is a possibility that we could go down as well and we could look at how that would work strategically.","start":1429.305,"end":1440.0599,"sentiment":"neutral","sentiment_score":0.2609758298648031},{"text":"Yep.","start":1448.6,"end":1449.1,"sentiment":"neutral","sentiment_score":0.05835340544581413},{"text":"No.","start":1457.335,"end":1457.835,"sentiment":"neutral","sentiment_score":-0.08083569258451462},{"text":"Over the year.","start":1462.695,"end":1463.6749,"sentiment":"neutral","sentiment_score":-0.03212174897392591},{"text":"Can't be pretax.","start":1465.38,"end":1466.36,"sentiment":"neutral","sentiment_score":-0.03556628152728081}],"sentiment":"neutral","sentiment_score":0.21068554687435212,"num_words":46,"start":1429.305,"end":1466.36},{"sentences":[{"text":"It's post tax money.","start":1467.2999,"end":1468.76,"sentiment":"neutral","sentiment_score":0.01328097004443407},{"text":"You there's there's a couple of ways that we can set it up.","start":1469.0599,"end":1473.88,"sentiment":"neutral","sentiment_score":0.19810599088668823},{"text":"We could basically have her account just auto deduct from a bank account each week, fortnight, and a month, whatever cycle you wanna do it on, and pay it that way.","start":1473.94,"end":1487.355,"sentiment":"neutral","sentiment_score":0.18034479430606287},{"text":"I'd have to look at the spousal contribution because these are two two different contribution types.","start":1487.8949,"end":1492.0199,"sentiment":"neutral","sentiment_score":0.03735603729728609},{"text":"They have to be they have to be paid in under different reference codes.","start":1492.0199,"end":1497.72,"sentiment":"neutral","sentiment_score":0.015337523871234484}],"sentiment":"neutral","sentiment_score":0.1157899014890576,"num_words":78,"start":1467.2999,"end":1497.72},{"sentences":[{"text":"So it does like, it it it matters how they the money lands, really.","start":1498.58,"end":1504.0399,"sentiment":"neutral","sentiment_score":0.04518138876717005},{"text":"But I I can investigate the the specifics of whether I can get that basically withdrawn from your account.","start":1504.975,"end":1510.4149,"sentiment":"neutral","sentiment_score":0.07255264724555768},{"text":"The other avenue is you just set up a automatic transfer from your bank account over to, like, the hub pay for bank account or whatever super fund, like, we go with.","start":1510.4149,"end":1521.17,"sentiment":"neutral","sentiment_score":0.15227307355962694},{"text":"I mean, it's an intriguing thought process.","start":1552.18,"end":1554.92,"sentiment":"neutral","sentiment_score":-0.10291104231561933},{"text":"I I'm gonna be honest, been in the decades been in the industry for over a decade, haven't had that one posed to me.","start":1556.435,"end":1564.515,"sentiment":"neutral","sentiment_score":0.014289172870727876}],"sentiment":"neutral","sentiment_score":0.06777438486460596,"num_words":96,"start":1498.58,"end":1564.515},{"sentences":[{"text":"But let me have a look into it and see whether it's actually a possibility.","start":1564.515,"end":1568.2151,"sentiment":"neutral","sentiment_score":0.15682774980862935},{"text":"Because because, like, your employer would have an an has an obligation to ensure that they pay your SG.","start":1570.08,"end":1577.62,"sentiment":"neutral","sentiment_score":0.05347829037591031},{"text":"So your super like, your super guarantee contributions.","start":1577.84,"end":1580.26,"sentiment":"neutral","sentiment_score":0.12446869909763336},{"text":"They have to make sure that they meet their their legislative obligation.","start":1580.96,"end":1584.1951,"sentiment":"neutral","sentiment_score":0.051798224449157715},{"text":"Anything on top of that?","start":1585.135,"end":1586.755,"sentiment":"neutral","sentiment_score":0.0007996376603841785}],"sentiment":"neutral","sentiment_score":0.08457339387702739,"num_words":59,"start":1564.515,"end":1586.755},{"sentences":[{"text":"Yeah.","start":1588.015,"end":1588.515,"sentiment":"neutral","sentiment_score":0.030197210609912872},{"text":"Yes.","start":1599.92,"end":1600.24,"sentiment":"neutral","sentiment_score":0.07600964605808258},{"text":"Yeah.","start":1600.24,"end":1600.56,"sentiment":"neutral","sentiment_score":0.07056041061878204},{"text":"But think about it.","start":1600.56,"end":1602.08,"sentiment":"neutral","sentiment_score":0.02068148832768202},{"text":"Like, the you were in a 100 I I I'm gonna double check.","start":1602.08,"end":1605.28,"sentiment":"neutral","sentiment_score":0.025135591053045712}],"sentiment":"neutral","sentiment_score":0.02931279521435499,"num_words":20,"start":1588.015,"end":1605.28},{"sentences":[{"text":"Your $175 income, is that your base salary super on top, or is that inclusive?","start":1605.28,"end":1612.095,"sentiment":"neutral","sentiment_score":-0.013959890604019165},{"text":"So the 12.5 that you get paid on top of that, that's $218.75.","start":1617.6749,"end":1623.375,"sentiment":"neutral","sentiment_score":-0.0008446370573857656},{"text":"So from that money goes into your super.","start":1623.7999,"end":1627.26,"sentiment":"neutral","sentiment_score":0.08522998075932264},{"text":"You actually can split that amount of money, and it gets paid into you can actually transfer that into your wife's super.","start":1627.72,"end":1635.4199,"sentiment":"neutral","sentiment_score":0.11185841330073097},{"text":"But it happens after the money's landed in your account.","start":1636.12,"end":1639.645,"sentiment":"neutral","sentiment_score":0.015250795334577561}],"sentiment":"neutral","sentiment_score":0.0452184448710314,"num_words":68,"start":1605.28,"end":1639.645},{"sentences":[{"text":"It's called spousal splitting, and up to 70 up to 85 of the contributions in a year can be split and transferred to a spouse's account.","start":1639.865,"end":1649.04,"sentiment":"neutral","sentiment_score":0.048817732801231056},{"text":"But I'm I'm I'm gonna be pretty clear about this.","start":1650.8,"end":1653.78,"sentiment":"neutral","sentiment_score":0.11218730881810188},{"text":"More money makes more money.","start":1654.16,"end":1655.7001,"sentiment":"neutral","sentiment_score":0.27042684853076937},{"text":"Your income and the contributions going into your account your account would generally make more sense.","start":1656.0,"end":1662.285,"sentiment":"neutral","sentiment_score":0.32735877484083176},{"text":"The only time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where we're at for this kind of avenue.","start":1662.8451,"end":1679.24,"sentiment":"neutral","sentiment_score":-0.05244854516127989}],"sentiment":"neutral","sentiment_score":0.0684663624681457,"num_words":99,"start":1639.865,"end":1679.24},{"sentences":[{"text":"Because $4,000 did you say you get paid fortnightly?","start":1687.945,"end":1690.5249,"sentiment":"neutral","sentiment_score":0.04214733031888803},{"text":"So $4,000 a fortnight is a 100 and just call it a $154 a fortnight.","start":1694.1849,"end":1699.9,"sentiment":"neutral","sentiment_score":0.06760142470399538},{"text":"That like, for the $4, if you want to put the three plus the one into the like, into your wife's account, it'd be a hun $154 a fortnight that you would transfer over to the super fund.","start":1700.84,"end":1714.985,"sentiment":"neutral","sentiment_score":0.0959633738782845},{"text":"So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else?","start":1715.0449,"end":1726.38,"sentiment":"neutral","sentiment_score":0.016955896116354886},{"text":"Yep.","start":1764.49,"end":1764.99,"sentiment":"neutral","sentiment_score":0.15742993354797363}],"sentiment":"neutral","sentiment_score":0.059524597446482204,"num_words":97,"start":1687.945,"end":1764.99},{"sentences":[{"text":"Alright.","start":1767.05,"end":1767.55,"sentiment":"neutral","sentiment_score":0.1678125113248825},{"text":"Well, why don't we do this?","start":1767.77,"end":1769.23,"sentiment":"neutral","sentiment_score":0.007718539175887902},{"text":"Why don't I organize a time that I can sit down sit down?","start":1770.73,"end":1774.665,"sentiment":"neutral","sentiment_score":0.10160605236887932},{"text":"We can video call.","start":1774.665,"end":1775.545,"sentiment":"neutral","sentiment_score":0.07447115518152714},{"text":"I don't I don't mind.","start":1775.545,"end":1776.505,"sentiment":"neutral","sentiment_score":-0.003081911988556385}],"sentiment":"neutral","sentiment_score":0.06267163751582647,"num_words":29,"start":1767.05,"end":1776.505},{"sentences":[{"text":"Where I can speak to yourself and I'm sorry.","start":1776.505,"end":1778.8251,"sentiment":"neutral","sentiment_score":-0.011500299390819339},{"text":"What was your wife's name?","start":1778.8251,"end":1780.125,"sentiment":"neutral","sentiment_score":-0.061752117425203326},{"text":"Perfect.","start":1782.5851,"end":1782.905,"sentiment":"positive","sentiment_score":0.4726817011833191},{"text":"I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting.","start":1782.905,"end":1787.64,"sentiment":"neutral","sentiment_score":0.30405899304896594},{"text":"I can do a little bit of research we've kinda talked about to see whether there's any other avenues that pop up.","start":1787.8601,"end":1793.4801,"sentiment":"neutral","sentiment_score":0.18410095843401822}],"sentiment":"neutral","sentiment_score":0.17880384852750258,"num_words":57,"start":1776.505,"end":1793.4801},{"sentences":[{"text":"We can involve her in the conversation, and we are able to maybe do some joint financial advice planning with the two of you.","start":1793.6201,"end":1802.685,"sentiment":"neutral","sentiment_score":0.30000788656373817},{"text":"I can get a little bit more information about her.","start":1802.685,"end":1805.425,"sentiment":"neutral","sentiment_score":0.20611640214920043},{"text":"And, obviously, it's a consent conversation as well, to be honest, because it is technically her money.","start":1805.965,"end":1811.485,"sentiment":"neutral","sentiment_score":-0.0018283883657525567},{"text":"So I'm legally not allowed to act on your instruction.","start":1811.485,"end":1815.345,"sentiment":"neutral","sentiment_score":-0.17443116307258605},{"text":"It has to be hers.","start":1815.5651,"end":1816.705,"sentiment":"neutral","sentiment_score":-0.06565765440464019}],"sentiment":"neutral","sentiment_score":0.10844955748567979,"num_words":66,"start":1793.6201,"end":1816.705},{"sentences":[{"text":"And but this this conversation's fine because it it's it's general in nature when you're not telling me to go do a thing, and I'm irrespective.","start":1819.78,"end":1825.46,"sentiment":"neutral","sentiment_score":0.07670531493539993},{"text":"I can't go do a thing.","start":1825.46,"end":1826.34,"sentiment":"neutral","sentiment_score":-0.14016574621200562},{"text":"I need her to sign off on it.","start":1826.34,"end":1827.86,"sentiment":"neutral","sentiment_score":-0.12888658232986927},{"text":"But we can realistically go and do some planning, strategizing, and I can kind of, I guess, wrap the realistically, your annual review's due.","start":1827.86,"end":1838.235,"sentiment":"neutral","sentiment_score":0.24366914729277292},{"text":"So I can wrap that all up into one big conversation.","start":1838.9349,"end":1842.1349,"sentiment":"positive","sentiment_score":0.3604341366074302}],"sentiment":"neutral","sentiment_score":0.13246781453490258,"num_words":75,"start":1819.78,"end":1842.1349},{"sentences":[{"text":"We can do a nice big strategy meeting with the the the three of us and and look at how we can plan.","start":1842.1349,"end":1849.25,"sentiment":"positive","sentiment_score":0.46237080511839496},{"text":"Not only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything.","start":1849.47,"end":1856.85,"sentiment":"neutral","sentiment_score":0.17769019610502504},{"text":"Talk about Okay.","start":1857.55,"end":1859.55,"sentiment":"neutral","sentiment_score":0.07380105306704839},{"text":"We can maybe look at some like, if you wanted to do some investing for the kids, put money away from to them, any other avenues that, you know, we can kinda come up with and just make it a bigger conversation.","start":1859.63,"end":1868.495,"sentiment":"neutral","sentiment_score":0.17330000035109974},{"text":"Okay.","start":1875.675,"end":1876.175,"sentiment":"neutral","sentiment_score":0.24786901473999023}],"sentiment":"neutral","sentiment_score":0.24496247275517538,"num_words":91,"start":1842.1349,"end":1876.175},{"sentences":[{"text":"Okay.","start":1884.07,"end":1884.57,"sentiment":"positive","sentiment_score":0.3513120412826538},{"text":"Okay.","start":1897.085,"end":1897.585,"sentiment":"neutral","sentiment_score":0.11991928517818452},{"text":"Okay.","start":1899.6449,"end":1900.1449,"sentiment":"neutral","sentiment_score":0.10535429418087006},{"text":"So I will go down Avenue A and see if I can pull the $8 and and see what that looks like.","start":1900.6849,"end":1908.93,"sentiment":"neutral","sentiment_score":0.1390100819143382},{"text":"I will do a little bit of research this afternoon tomorrow and get you an email tomorrow at the latest and just provide you with, like, a little bit more clarity and, I guess, stop talking while I'm trying to think and actually just stop and think.","start":1908.93,"end":1926.485,"sentiment":"neutral","sentiment_score":0.17263203605692437}],"sentiment":"neutral","sentiment_score":0.16317379329767492,"num_words":72,"start":1884.07,"end":1926.485},{"sentences":[{"text":"And then you can hear the cogs turning.","start":1927.665,"end":1931.365,"sentiment":"neutral","sentiment_score":0.12709754798561335},{"text":"And then from there, we can sort of, I guess, still sit down and have that conversation.","start":1931.905,"end":1938.0499,"sentiment":"neutral","sentiment_score":0.16711015385739944},{"text":"Because even if it is just that we're gonna withdraw the money, we can maybe have a meeting about what that what the tax is, whether we wanna go down that avenue.","start":1938.0499,"end":1945.11,"sentiment":"neutral","sentiment_score":0.1129786460660398},{"text":"Is that what she wants?","start":1945.8099,"end":1947.0299,"sentiment":"neutral","sentiment_score":0.10247375667095185},{"text":"I can issue I can send the paperwork to you, and we can still have a broader conversation.","start":1947.265,"end":1951.125,"sentiment":"neutral","sentiment_score":0.11451843215359582}],"sentiment":"neutral","sentiment_score":0.1255833779461682,"num_words":80,"start":1927.665,"end":1951.125},{"sentences":[{"text":"Can I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that?","start":1952.705,"end":1960.465,"sentiment":"neutral","sentiment_score":0.2212421871148623},{"text":"Because I can I can literally just book it in now?","start":1960.465,"end":1962.48,"sentiment":"neutral","sentiment_score":0.1810554570772431},{"text":"I was gonna kinda go from there.","start":1963.2,"end":1964.9,"sentiment":"neutral","sentiment_score":0.022226238357169286},{"text":"How about I can do you one better?","start":1999.5701,"end":2001.51,"sentiment":"neutral","sentiment_score":-0.018306243931874633},{"text":"Tuesday after 05:00.","start":2002.13,"end":2005.125,"sentiment":"neutral","sentiment_score":-0.005794845211009185}],"sentiment":"neutral","sentiment_score":0.14064829225905917,"num_words":55,"start":1952.705,"end":2005.125},{"sentences":[{"text":"Oh, I can do that.","start":2009.205,"end":2010.345,"sentiment":"neutral","sentiment_score":0.11688130199909211},{"text":"Yeah.","start":2015.445,"end":2015.925,"sentiment":"neutral","sentiment_score":0.09566669166088104},{"text":"Okay.","start":2015.925,"end":2016.425,"sentiment":"neutral","sentiment_score":0.08621515333652496},{"text":"Do you just want 5PM on the dock, 05:30, give you a little bit of time to put your bag down and make coffee?","start":2016.645,"end":2025.84,"sentiment":"neutral","sentiment_score":0.07037671655416489},{"text":"Okay.","start":2030.46,"end":2030.96,"sentiment":"neutral","sentiment_score":0.3098108172416687}],"sentiment":"neutral","sentiment_score":0.08641063654795289,"num_words":32,"start":2009.205,"end":2030.96},{"sentences":[{"text":"Alright.","start":2037.375,"end":2037.855,"sentiment":"positive","sentiment_score":0.4848766326904297},{"text":"Perfect.","start":2037.855,"end":2038.355,"sentiment":"positive","sentiment_score":0.6505273580551147},{"text":"I will pop it in my calendar.","start":2038.495,"end":2040.815,"sentiment":"positive","sentiment_score":0.45963938747133526},{"text":"I will send you a meeting and, like, I'll invite you into the calendar invite as well.","start":2040.815,"end":2045.075,"sentiment":"positive","sentiment_score":0.3701547314138973},{"text":"Do you wanna do it, like, a Meet meeting and we can have a video conference, or do you wanna just have a phone call?","start":2045.215,"end":2052.73,"sentiment":"neutral","sentiment_score":0.15849659889936446}],"sentiment":"neutral","sentiment_score":0.2864299041091227,"num_words":51,"start":2037.375,"end":2052.73},{"sentences":[{"text":"Cool.","start":2056.71,"end":2057.21,"sentiment":"positive","sentiment_score":0.33368176221847534},{"text":"Yeah.","start":2060.63,"end":2060.8699,"sentiment":"neutral","sentiment_score":0.2419985234737396},{"text":"That's fine.","start":2060.8699,"end":2061.3499,"sentiment":"positive","sentiment_score":0.39899247884750366},{"text":"Cool.","start":2061.3499,"end":2061.67,"sentiment":"neutral","sentiment_score":0.0846891701221466},{"text":"Let's just we'll keep it at Google Meet, face to face and go from there.","start":2061.67,"end":2065.175,"sentiment":"neutral","sentiment_score":0.20703530112902324}],"sentiment":"neutral","sentiment_score":0.22819419652223588,"num_words":20,"start":2056.71,"end":2065.175},{"sentences":[{"text":"Face to name type of thing.","start":2065.955,"end":2067.3352,"sentiment":"neutral","sentiment_score":0.2534685830275218},{"text":"And that way you have it in your calendar.","start":2068.355,"end":2072.455,"sentiment":"neutral","sentiment_score":0.3266437119907803},{"text":"I'll do my research.","start":2072.5151,"end":2073.655,"sentiment":"neutral","sentiment_score":0.3042818084359169},{"text":"We can have a little bit more of a a planning strategy.","start":2073.955,"end":2076.135,"sentiment":"neutral","sentiment_score":0.2730033037563165},{"text":"Loans.","start":2077.395,"end":2077.895,"sentiment":"neutral","sentiment_score":0.03641973435878754}],"sentiment":"neutral","sentiment_score":0.2809434849768877,"num_words":32,"start":2065.955,"end":2077.895},{"sentences":[{"text":"Do you know where the loans currently sit roughly?","start":2078.44,"end":2081.32,"sentiment":"neutral","sentiment_score":0.007993372157216072},{"text":"You don't have to give me exact figures.","start":2081.32,"end":2083.1,"sentiment":"neutral","sentiment_score":-0.01904684134206036},{"text":"Yeah.","start":2087.6401,"end":2088.1401,"sentiment":"neutral","sentiment_score":0.06146509572863579},{"text":"Yep.","start":2119.845,"end":2120.345,"sentiment":"neutral","sentiment_score":0.05892358347773552},{"text":"Regalco.","start":2127.1575,"end":2127.6575,"sentiment":"neutral","sentiment_score":0.01875919848680496}],"sentiment":"neutral","sentiment_score":0.0029356748185819016,"num_words":20,"start":2078.44,"end":2127.6575},{"sentences":[{"text":"Yep.","start":2134.47,"end":2134.97,"sentiment":"neutral","sentiment_score":0.03608987480401993},{"text":"Yep.","start":2142.4275,"end":2142.9275,"sentiment":"neutral","sentiment_score":0.07965569943189621},{"text":"Oh.","start":2150.385,"end":2150.885,"sentiment":"neutral","sentiment_score":0.1669360250234604},{"text":"I mean, that that that one's fine.","start":2153.985,"end":2156.085,"sentiment":"neutral","sentiment_score":0.2071898537022727},{"text":"Okay.","start":2156.785,"end":2157.285,"sentiment":"neutral","sentiment_score":0.05172509327530861}],"sentiment":"neutral","sentiment_score":0.16224869713187218,"num_words":11,"start":2134.47,"end":2157.285},{"sentences":[{"text":"What did can I ask?","start":2157.345,"end":2158.705,"sentiment":"neutral","sentiment_score":-0.01011582836508751},{"text":"What did what did grandma loan money for?","start":2158.705,"end":2161.445,"sentiment":"neutral","sentiment_score":-0.04115044488571584},{"text":"Yep.","start":2172.09,"end":2172.59,"sentiment":"neutral","sentiment_score":0.03646647557616234},{"text":"It's clear.","start":2204.52,"end":2205.26,"sentiment":"neutral","sentiment_score":0.03600947931408882},{"text":"Yeah.","start":2207.355,"end":2207.855,"sentiment":"neutral","sentiment_score":0.256724089384079}],"sentiment":"neutral","sentiment_score":-0.0008572457248673719,"num_words":17,"start":2157.345,"end":2207.855},{"sentences":[{"text":"Yeah.","start":2208.955,"end":2209.2751,"sentiment":"positive","sentiment_score":0.3524819016456604},{"text":"Fair.","start":2209.2751,"end":2209.675,"sentiment":"positive","sentiment_score":0.4893205165863037},{"text":"It just gets gets us in a little bit better in cash flow position.","start":2209.675,"end":2212.655,"sentiment":"positive","sentiment_score":0.5000236119542804},{"text":"Okay.","start":2212.715,"end":2213.215,"sentiment":"neutral","sentiment_score":0.10004444420337676},{"text":"So do we currently have a broker that we're talking to?","start":2213.835,"end":2216.975,"sentiment":"neutral","sentiment_score":0.02544694072143598}],"sentiment":"neutral","sentiment_score":0.2936462063475379,"num_words":28,"start":2208.955,"end":2216.975},{"sentences":[{"text":"Yep.","start":2237.735,"end":2238.235,"sentiment":"neutral","sentiment_score":0.15392343699932098},{"text":"Yep.","start":2246.775,"end":2247.275,"sentiment":"neutral","sentiment_score":0.11251866817474364},{"text":"Okay.","start":2247.415,"end":2247.915,"sentiment":"neutral","sentiment_score":0.08782042562961578},{"text":"Did we go direct to CBA, or did we go through a barcode?","start":2250.1902,"end":2253.09,"sentiment":"neutral","sentiment_score":0.05491376037781055},{"text":"Okay.","start":2256.9102,"end":2257.4102,"sentiment":"neutral","sentiment_score":0.15706902742385864}],"sentiment":"neutral","sentiment_score":0.07207120253759272,"num_words":17,"start":2237.735,"end":2257.4102},{"sentences":[{"text":"Yep.","start":2266.865,"end":2267.3452,"sentiment":"neutral","sentiment_score":0.12989705801010132},{"text":"Okay.","start":2267.3452,"end":2267.8452,"sentiment":"neutral","sentiment_score":0.07176549732685089},{"text":"No.","start":2268.225,"end":2268.385,"sentiment":"neutral","sentiment_score":-0.037404995411634445},{"text":"That's okay.","start":2268.385,"end":2269.205,"sentiment":"neutral","sentiment_score":0.05838102474808693},{"text":"Alright.","start":2269.2651,"end":2269.7651,"sentiment":"neutral","sentiment_score":0.12505528330802915}],"sentiment":"neutral","sentiment_score":0.06767914878825347,"num_words":6,"start":2266.865,"end":2269.7651},{"sentences":[{"text":"Yep.","start":2286.64,"end":2287.035,"sentiment":"neutral","sentiment_score":-0.10020153969526292},{"text":"Yeah.","start":2289.595,"end":2290.095,"sentiment":"neutral","sentiment_score":-0.05605897679924965},{"text":"No.","start":2290.4749,"end":2290.7148,"sentiment":"neutral","sentiment_score":-0.21228355169296265},{"text":"No.","start":2290.7148,"end":2290.875,"sentiment":"neutral","sentiment_score":-0.2736800014972687},{"text":"It it it wouldn't have been like, if you made the payment within, like, pretty quickly, it's fine.","start":2290.875,"end":2296.335,"sentiment":"neutral","sentiment_score":-0.2919532706340154}],"sentiment":"neutral","sentiment_score":-0.2680628609589555,"num_words":22,"start":2286.64,"end":2296.335},{"sentences":[{"text":"Everyone has a missed payment.","start":2297.4348,"end":2298.7349,"sentiment":"neutral","sentiment_score":-0.28608760237693787},{"text":"Okay.","start":2299.275,"end":2299.775,"sentiment":"neutral","sentiment_score":-0.04273901879787445},{"text":"So alright.","start":2301.75,"end":2303.67,"sentiment":"neutral","sentiment_score":0.03422222658991814},{"text":"So we're currently going down broker route.","start":2303.67,"end":2305.77,"sentiment":"neutral","sentiment_score":0.11678994872740336},{"text":"Looks like we should have enough coverage.","start":2306.15,"end":2307.85,"sentiment":"neutral","sentiment_score":0.19130712960447585}],"sentiment":"neutral","sentiment_score":0.03417940776456486,"num_words":22,"start":2297.4348,"end":2307.85},{"sentences":[{"text":"So if we're approved for yeah?","start":2308.95,"end":2312.65,"sentiment":"neutral","sentiment_score":0.06391542342801888},{"text":"Six zero six bowing?","start":2315.75,"end":2316.97,"sentiment":"neutral","sentiment_score":0.0036982926540076733},{"text":"Did you say?","start":2319.1648,"end":2319.9849,"sentiment":"neutral","sentiment_score":-0.01296982355415821},{"text":"Okay.","start":2327.8848,"end":2328.3848,"sentiment":"neutral","sentiment_score":0.02499204128980637},{"text":"Yeah.","start":2331.085,"end":2331.585,"sentiment":"neutral","sentiment_score":0.034878820180892944}],"sentiment":"neutral","sentiment_score":0.027949806799491248,"num_words":15,"start":2308.95,"end":2331.585},{"sentences":[{"text":"Can I ask, did we have the discussion with the broker about doing alternatives to putting it all on the mortgage?","start":2333.22,"end":2341.32,"sentiment":"neutral","sentiment_score":-0.007419305099617867},{"text":"Like, having a couple of different loans on the mortgage where we just use, like, we put, say, grandma home loan.","start":2342.5,"end":2350.955,"sentiment":"neutral","sentiment_score":0.009710062916080156},{"text":"My biggest concern is and I I like and I I'm again, I'm just kind of without having a look at the proposal, I'm just kind of looking at it.","start":2352.615,"end":2359.98,"sentiment":"neutral","sentiment_score":-0.2684877837697665},{"text":"Grandma's interest rate's really low when it's a family loan, so it's not really like, by the time of it, it's not really an interest rate that's compounding.","start":2360.6199,"end":2368.8,"sentiment":"neutral","sentiment_score":-0.3097435384988785},{"text":"And we're gonna go and put a $100 on our home loan that we're then gonna pay off over thirty years at, let's say, a six point something percent interest rate.","start":2369.82,"end":2376.625,"sentiment":"neutral","sentiment_score":0.01034029230715767}],"sentiment":"neutral","sentiment_score":-0.12487631767476333,"num_words":131,"start":2333.22,"end":2376.625},{"sentences":[{"text":"So over the next thirty years, we're gonna end up compounding that, and it's gonna be much more than we would have paid grandma.","start":2376.925,"end":2383.585,"sentiment":"neutral","sentiment_score":-0.032358830173810325},{"text":"While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan?","start":2383.885,"end":2394.11,"sentiment":"neutral","sentiment_score":-0.05604444667696953},{"text":"I'm gonna be clear.","start":2394.97,"end":2395.69,"sentiment":"neutral","sentiment_score":0.01716550625860691},{"text":"Not a mortgage broker, but have seen it plenty of times where we can structure the loan to have the mortgage two loans consolidated and then have, like, the smaller ZIP credit card, dad, mom, grandma on another loan that is using the equity of the house using the ex like, using the home loan rate, but not over thirty years.","start":2395.69,"end":2418.5,"sentiment":"neutral","sentiment_score":-0.008323918195960463},{"text":"Or have it over thirty years to have it on a second account where we smash money into that one.","start":2419.36,"end":2424.1602,"sentiment":"neutral","sentiment_score":-0.035198673605918884}],"sentiment":"neutral","sentiment_score":-0.026953041770159163,"num_words":144,"start":2376.925,"end":2424.1602},{"sentences":[{"text":"Pay minimums on the home loan and smash off the rest of it and have two loans on the house rather than just I'm just concerned about putting all of it into one mortgage and having I mean, dad and grandma, we're not paying interest really.","start":2424.1602,"end":2438.715,"sentiment":"neutral","sentiment_score":-0.16727691888809204},{"text":"If I'm being frank, that's a $113,500 that is currently technically interest free that you're gonna go and put 6% interest for thirty years on.","start":2439.175,"end":2448.9,"sentiment":"neutral","sentiment_score":-0.0841514678299427},{"text":"Yep.","start":2468.095,"end":2468.37,"sentiment":"neutral","sentiment_score":-0.006764241959899664},{"text":"Yeah.","start":2471.8901,"end":2472.2102,"sentiment":"neutral","sentiment_score":-0.0040132515132427216},{"text":"Basically, just pinball the money around, let people get equity in their home, and then throw it back out and handball it again.","start":2472.2102,"end":2478.1301,"sentiment":"neutral","sentiment_score":-0.029372057351081268}],"sentiment":"neutral","sentiment_score":-0.10921728934530013,"num_words":96,"start":2424.1602,"end":2478.1301},{"sentences":[{"text":"No.","start":2478.1301,"end":2478.29,"sentiment":"neutral","sentiment_score":-0.14294663071632385},{"text":"I get that from her point of view.","start":2478.29,"end":2479.7302,"sentiment":"neutral","sentiment_score":-0.10206739138811827},{"text":"Okay.","start":2479.7302,"end":2480.2302,"sentiment":"neutral","sentiment_score":-0.014213385060429571},{"text":"So hands tied behind back.","start":2480.53,"end":2482.1501,"sentiment":"neutral","sentiment_score":-0.02466384842991829},{"text":"Okay.","start":2502.56,"end":2503.06,"sentiment":"positive","sentiment_score":0.4513530433177948}],"sentiment":"neutral","sentiment_score":-0.04035408410709351,"num_words":16,"start":2478.1301,"end":2503.06},{"sentences":[{"text":"Alright.","start":2504.96,"end":2505.44,"sentiment":"neutral","sentiment_score":0.05492669343948364},{"text":"No.","start":2505.44,"end":2505.5999,"sentiment":"neutral","sentiment_score":-0.0836637020111084},{"text":"No.","start":2505.5999,"end":2505.76,"sentiment":"neutral","sentiment_score":-0.1265619993209839},{"text":"That that's okay.","start":2505.76,"end":2506.56,"sentiment":"neutral","sentiment_score":-0.12613768627246222},{"text":"I just I mhmm.","start":2506.56,"end":2509.38,"sentiment":"neutral","sentiment_score":-0.09061341732740402}],"sentiment":"neutral","sentiment_score":-0.08961657360196114,"num_words":10,"start":2504.96,"end":2509.38},{"sentences":[{"text":"Sorry.","start":2509.455,"end":2509.955,"sentiment":"neutral","sentiment_score":-0.1941441595554352},{"text":"Yes.","start":2515.935,"end":2516.435,"sentiment":"neutral","sentiment_score":-0.07454828172922134},{"text":"No.","start":2516.655,"end":2516.895,"sentiment":"neutral","sentiment_score":-0.17861732840538025},{"text":"I I don't have an answer.","start":2516.895,"end":2518.2551,"sentiment":"neutral","sentiment_score":-0.19602755705515543},{"text":"I'm I'm just I'm just expressing concern over the specific structuring and not potentially looking at don't be wrong.","start":2518.2551,"end":2526.9001,"sentiment":"neutral","sentiment_score":-0.14896245457624135}],"sentiment":"neutral","sentiment_score":-0.15906291960605554,"num_words":28,"start":2509.455,"end":2526.9001},{"sentences":[{"text":"Like, it like, what I'm suggesting is a little bit, like, left field, but it's not stupid insane.","start":2526.9001,"end":2533.62,"sentiment":"neutral","sentiment_score":-0.046653701095945306},{"text":"It's just structuring it a little bit differently to save on interest over the long term.","start":2533.62,"end":2538.675,"sentiment":"neutral","sentiment_score":0.021442220429889858},{"text":"So it just depend on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before.","start":2538.995,"end":2546.7751,"sentiment":"neutral","sentiment_score":0.011436555862288785},{"text":"It's, like, structuring loans in different ways to specifically get these kinds of benefit.","start":2546.995,"end":2552.375,"sentiment":"neutral","sentiment_score":0.027820299113435403},{"text":"Because consolidate like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off.","start":2553.05,"end":2564.81,"sentiment":"neutral","sentiment_score":0.05858788399420904}],"sentiment":"neutral","sentiment_score":0.01976833587805568,"num_words":108,"start":2526.9001,"end":2564.81},{"sentences":[{"text":"Granted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you.","start":2564.81,"end":2573.2048,"sentiment":"neutral","sentiment_score":-0.039193861186504364},{"text":"And different brokers work in different ways.","start":2573.6648,"end":2575.9248,"sentiment":"neutral","sentiment_score":-0.06576795130968094},{"text":"So it could be something that's restricted from us being able to do that right now.","start":2576.4648,"end":2580.645,"sentiment":"neutral","sentiment_score":-0.1634223973378539},{"text":"It it just all depends on circumstance and your broker and what avenues they've looked at.","start":2581.44,"end":2586.42,"sentiment":"neutral","sentiment_score":-0.06424598814919591},{"text":"Because even in my industry, every adviser is different.","start":2586.72,"end":2589.94,"sentiment":"neutral","sentiment_score":-0.032612994520200625}],"sentiment":"neutral","sentiment_score":-0.07318415092556058,"num_words":74,"start":2564.81,"end":2589.94},{"sentences":[{"text":"Can be.","start":2595.92,"end":2596.4,"sentiment":"neutral","sentiment_score":-0.05342070013284683},{"text":"Yes.","start":2596.4,"end":2596.9,"sentiment":"neutral","sentiment_score":0.01822283491492271},{"text":"Yep.","start":2610.935,"end":2611.29,"sentiment":"neutral","sentiment_score":0.0530780553817749},{"text":"It also depends on equity in your house.","start":2612.8901,"end":2614.81,"sentiment":"neutral","sentiment_score":0.05399413639679551},{"text":"So, like, what your LVR is.","start":2614.81,"end":2616.67,"sentiment":"neutral","sentiment_score":0.010212879938383898}],"sentiment":"neutral","sentiment_score":0.025427214490870636,"num_words":18,"start":2595.92,"end":2616.67},{"sentences":[{"text":"It it has a so it it it depends on all the variables that are that are sitting there.","start":2617.77,"end":2625.015,"sentiment":"neutral","sentiment_score":-0.017595456030807997},{"text":"But yeah.","start":2626.855,"end":2627.515,"sentiment":"neutral","sentiment_score":0.014429798349738121},{"text":"Look.","start":2627.6548,"end":2628.055,"sentiment":"neutral","sentiment_score":0.023710861802101135},{"text":"I'm I'm I'm literally just spitballing with you ahead of our meeting because you've now got the thoughts flowing.","start":2628.055,"end":2635.515,"sentiment":"neutral","sentiment_score":0.058661311276649176},{"text":"But look.","start":2636.055,"end":2636.6948,"sentiment":"neutral","sentiment_score":0.031758601777255535}],"sentiment":"neutral","sentiment_score":0.020845090970396996,"num_words":43,"start":2617.77,"end":2636.6948},{"sentences":[{"text":"I what I might do is I'll just I'll reach out to one of my broker friends and colleagues, and I'll just have a conversation, about whether CBA offer this avenues just as a general, obviously, not disclosing of your personal information, and just kind of spitball with them to see if it's the avenue it could have.","start":2636.6948,"end":2661.345,"sentiment":"neutral","sentiment_score":0.09238455306481698},{"text":"And then we'll meet next Tuesday.","start":2662.445,"end":2664.525,"sentiment":"neutral","sentiment_score":0.14232120662927628},{"text":"I can give you all the information that I've found, everything that I've got that I've got.","start":2664.525,"end":2667.905,"sentiment":"neutral","sentiment_score":0.2915501165039399},{"text":"I'll send the invite, and we can we can just kind of go from there and just see where we land the options that we have available.","start":2668.2,"end":2673.26,"sentiment":"neutral","sentiment_score":0.18731840534342659},{"text":"Cool.","start":2676.68,"end":2677.18,"sentiment":"positive","sentiment_score":0.6671930551528931}],"sentiment":"neutral","sentiment_score":0.1549850761241049,"num_words":109,"start":2636.6948,"end":2677.18},{"sentences":[{"text":"Perfect.","start":2677.72,"end":2678.1199,"sentiment":"positive","sentiment_score":0.6955268383026123},{"text":"Well, I have def definitely choose your ear off for more than you probably intended, but I think we can probably get a pretty decent plan going.","start":2678.1199,"end":2686.935,"sentiment":"neutral","sentiment_score":0.12424828719209742},{"text":"Me either, but that's okay.","start":2688.195,"end":2689.735,"sentiment":"neutral","sentiment_score":0.22057919800281525},{"text":"I think we can get a pretty decent plan going ahead.","start":2689.955,"end":2691.875,"sentiment":"positive","sentiment_score":0.7536514401435852},{"text":"I'm actually kind of excited for it.","start":2691.875,"end":2693.815,"sentiment":"positive","sentiment_score":0.8201116238321576}],"sentiment":"positive","sentiment_score":0.3761583096256443,"num_words":51,"start":2677.72,"end":2693.815},{"sentences":[{"text":"So let me get my notes in.","start":2694.0352,"end":2695.155,"sentiment":"positive","sentiment_score":0.4727960910115923},{"text":"Let me start doing some research happening, and I'll meet with you next Tuesday.","start":2695.155,"end":2699.51,"sentiment":"positive","sentiment_score":0.38345776072570253},{"text":"Nope.","start":2703.97,"end":2704.1301,"sentiment":"positive","sentiment_score":0.3801400065422058},{"text":"That's okay, Crystal.","start":2704.1301,"end":2705.09,"sentiment":"positive","sentiment_score":0.5542234182357788},{"text":"Looking forward to it.","start":2705.09,"end":2706.07,"sentiment":"positive","sentiment_score":0.7408234030008316}],"sentiment":"positive","sentiment_score":0.4718650055342707,"num_words":29,"start":2694.0352,"end":2706.07},{"sentences":[{"text":"Bye.","start":2709.97,"end":2710.47,"sentiment":"neutral","sentiment_score":-0.030086897313594815}],"sentiment":"neutral","sentiment_score":-0.030086897313594815,"num_words":1,"start":2709.97,"end":2710.47}]}}]},{"alternatives":[{"transcript":"Hey. Oh, that tastes better. Yeah. Liliana. Correct. For shit, eleven, nearly twelve years now. So and I promise her she could say I say my mom is wrong as I live. So yeah. I think it looks $5. So only for a few years that shows a a retail manager. It's roughly between 7 and 8 k from memory. July. Oh, sorry. We've just been cutting in and out. Yep. We finally got you. No. I was just saying to your colleague before, I did have June and July off work. Essentially, left my workplace, and it's only until early August. So I had a job, so I could have claimed financial hardship back, yeah, Last month. Yep. Yes. Yep. $1.75. Could is there a way to do a joint, yeah, like you said, just server account? Like, is there a way to add her name to my account and then that sort of counts as her server account? Or is it just individual across the board? Damn. Yeah. Don't feel like getting the phones. Yeah. No. We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible. So just currently got a claim in the last year and this financial year. So I think it's actually yeah. She it's not gonna be a lot, but at least it should've been something that's all gone. Yeah. Family tax a and b. Alliance Yeah. Payment. Yeah. I have to double check that because I know there's two there's a payment and there's a layout. It's a pretty short payment. She's on one $1.60 or something. Yeah. Yeah. Yeah. How much is the okay. Well, I mean, something's better than nothing. So and I'll keep forgetting it. It's it's her. So, yeah, she can find financial hardship or not. But $5.06. Yeah. Alright. Yeah. So I might I'll go on her ATA, click on financial hardship. What are they gonna ask for? Do you know? Yep. Okay. Yep. Yeah. Yeah. I already have. Yep. Went to the the Bank of Dad. I know. Yes. Trying to throw a lot of it too much, but, yeah, it just made us a withdrawal a little bit. Yep. Yeah. Absolutely. Yep. Yeah. Yeah. Well, I Yep. Yep. Cool. That's fantastic. That's yeah. So we still need that q two form? Okay. Yes. Well, say if we got the family tax a and b as well, would that help? Or because I think we got a decision next week whether it's approved or not. Right. Oh, hang on. Got it on. Elle Eldis has ASD. So, yeah, she was she actually got our NDIS what do you call them? Like, account manager or whatever it is. They actually advised her to gonna get her because she was eligible. I do have a doc saved statement. No. Not that one. Here we go. Carriage allowance, $16,264.09. Yeah. Are there any other satellite payments that would be eligible? No. That was enough. She's five months. Thank you. She's very cute, actually. What was that? Sorry. No. I shall sleep in our bed, actually, or in my arms, but, yeah, that's about it. Yeah. That's it. I mean, our bed is pretty comfy compared to a pretty stiff coat mattress. Can't can't blame Yep. It's Stanley technical income support? Really? Damn. I'm still gonna have a shot in the dark. Or I can if we actually get in front of a Centrelink person and just say, hey. Look. We owe my dad money, and I'll get that that deck off him And so, look, we have this held up. It'd be great to get it if we can fill out a q two thirty form and then have you do something with it. Yeah. Oh, okay. Yep. Okay. Oh, yep. Yep. Yep. Yeah. Yep. Yeah. And I'd like to be with Hub twenty four as well. Nah. I like being with Hub twenty four. Oh, okay. Yeah. I can hear it. A massive amount. Yeah. It's not like there's a 100 k's in there. Well, that was, yeah, that was my absolute plan. Being able to open up the Huddl twenty four account for her, and I do, like, a a weekly, I don't know, $50,100 dollar top up to keep it going. And then, yeah, transfer that 7 or 8 grand into that. Yep. Yep. Yeah. K. That's the tax rebate. Yep. Yep. Yep. Yep. Well, I'm thinking out loud because, like, my salary goes up every year. So once I hit that $1, that $1 and $3, is that does it have to be done in the lump sum, or can it be, like, over the year? Like, can I do, like, a pretty what do you call it? Pretax. Yeah. Oh, okay. Yep. Yeah. Because I'm thinking, well, I could do the personal, you know, month's not the baby, and then the $3. I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount. So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa week. Yep. Oh, actually, yeah. Yeah. No. So 12.5 would have to be solely into wine. So if anything, it's gonna be a salary sacrifice after that, which one I'm okay with. No. No. That's basically possible. Yeah. Yeah. Okay. Alright. Well, I'll be yeah. I'll probably have you just done. Yeah. I'm gonna pay fortnightly. Not really. Like, I'm mostly thinking long term. Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh. By the time we retire, which is funny. Yeah. So if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts. Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something. Well, it would be hers. Like, I'm more than happy for her to have a half decent super account come out of retirement. So yeah. Tanika. Yep. Yep. Yeah. Yeah. Yeah. That's good. Because, yeah, looking to open up four accounts for each child and start just putting a bit on the way there, but also refinancing to consolidate all our debt, which ends up working out a little bit better for us. But we're also trying to withdraw a little bit more cash out of the house to invest as well. So I'm hoping for an extra extra 40. I was just waiting for that settling, whatever. Yep. Yep. Okay. So let's work on next week. Let's see. She's got dance on Thursday. Wednesday is no good either. That'd be either Monday, Tuesday, or Friday next week. And then I would have to leave work a little bit early to be home, so sometime after 03:30 if possible. Oh my god. Did you do that? Yeah. Do that. No. That's that's good. We can do either. I'm not fast. I've I think I've got the app on my phone. Yep. My loans, like, all of them? Yep. So main home loan is $2.91. The fixed mortgage, which is now variable now, is $1.68. Okay? So, yeah, that'll be my $4.69. My car loan is currently sitting at 20 k. Got a Zip Pay account that's got 8 k on it. My credit card's got plugs on it. I owe my dad $13.5. And my grandmother, 100 Dale. So she likes to make money off us grandkids and even her kids, so she's actually quite well off. But at the time, I had a deposit up from COVID, but yeah. Sorry. For our house, but COVID hit. And then, essentially, she said, look. I'll give you a $100 if you pay me 12% interest per kid, which I said, yes. Alright. Cool. So that's the pay the power off anyway to get the home loan covered. So out of five years, paid a $5 a year to have it. And then, yeah, I thought it'd just be nice to pay you back. So but I don't have to keep worrying about paying the $500 every month. Yep. Yes. Currently going down CBA at the moment. So I've been approved for six, six days, but they said if we did wanna wait another week until the letter came with their decision the so we said yes to that. So, yeah, we're just wanting to to get the tax and AFA. We went through a broker. I was thinking going direct, but he's managed to get us a slightly better rate than what they're currently offering on on market. He's also done Saint George, but they did pick up on my statement. I missed one the home loan payments, but I transferred money into that account, like, two or three days later, but it's been it was, like, still, so but nothing on my credit score. Yep. Yeah. So total consolidating is 6 0 6. Yeah. Well, that that would be the minimum I I owe, yeah, for everyone. Well, wrapping everything up in one one mortgage, essentially. No. Yeah. So dad's retired. He's like, mommy's son, so he loves me no matter what. But grandma's nicely asked for it back, which is kinda put pressure on dad to, like, hey. Can you, like if she wants to she wants to do the same for the other three siblings, but she you also use the money that currently I'm holding? Yeah. Yeah. So I'm open to it. I'm just more so worried about the yeah. Like, nearly on my feet again, but, like, just would like that steady income flow for a few months, especially going out to Christmas. And then after that, I'll be more than happy to do that. So I'm thinking like, what yeah. Like, how much would I need to smash into that loan to really crunch it down? Oh, yeah. Yeah. Yep. Oh, yeah. Yep. But I feel like it's also up to CV as well. Like, if we if we can't eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today. And so yeah. Oh, we got a shit ton. Yeah. Yep. Yeah. Yep. Awesome. Well, alright. That's a dry egg block. I wasn't expecting it. Fantastic. No. Thank you so much for your time. Appreciate it. Alright. Have a good","confidence":0.9655762,"words":[{"word":"hey","start":1.68,"end":2.1799998,"confidence":0.8586426,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.2318841814994812},{"word":"oh","start":4.48,"end":4.64,"confidence":0.8234863,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.43816086649894714},{"word":"that","start":4.64,"end":4.7999997,"confidence":0.87158203,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5092725157737732},{"word":"tastes","start":4.7999997,"end":5.04,"confidence":0.51416016,"punctuated_word":"tastes","sentiment":"positive","sentiment_score":0.4164324104785919},{"word":"better","start":5.04,"end":5.54,"confidence":0.96655273,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.4347192645072937},{"word":"yeah","start":19.075,"end":19.575,"confidence":0.8173828,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020629769191145897},{"word":"liliana","start":19.635,"end":20.135,"confidence":0.9013672,"punctuated_word":"Liliana.","sentiment":"neutral","sentiment_score":0.05531554296612739},{"word":"correct","start":47.845,"end":48.345,"confidence":0.9914551,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.00900302454829216},{"word":"for","start":50.485,"end":50.985,"confidence":0.5473633,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.28834524750709534},{"word":"shit","start":51.205,"end":51.51,"confidence":0.52368164,"punctuated_word":"shit,","sentiment":"negative","sentiment_score":-0.3795047104358673},{"word":"eleven","start":51.829998,"end":52.329998,"confidence":0.7492676,"punctuated_word":"eleven,","sentiment":"negative","sentiment_score":-0.4001944661140442},{"word":"nearly","start":52.71,"end":53.03,"confidence":0.9980469,"punctuated_word":"nearly","sentiment":"negative","sentiment_score":-0.4569592773914337},{"word":"twelve","start":53.03,"end":53.269997,"confidence":0.9980469,"punctuated_word":"twelve","sentiment":"negative","sentiment_score":-0.48829901218414307},{"word":"years","start":53.269997,"end":53.51,"confidence":0.9980469,"punctuated_word":"years","sentiment":"negative","sentiment_score":-0.3752928078174591},{"word":"now","start":53.51,"end":53.629997,"confidence":0.8918457,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.3562633693218231},{"word":"so","start":53.629997,"end":53.75,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1854933202266693},{"word":"and","start":55.03,"end":55.53,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22631774842739105},{"word":"i","start":55.75,"end":55.989998,"confidence":0.49609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2785744369029999},{"word":"promise","start":55.989998,"end":56.309998,"confidence":0.4169922,"punctuated_word":"promise","sentiment":"neutral","sentiment_score":-0.2229955792427063},{"word":"her","start":56.309998,"end":56.809998,"confidence":0.4946289,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.2248537540435791},{"word":"she","start":57.269997,"end":57.35,"confidence":0.44799805,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.22641828656196591},{"word":"could","start":57.35,"end":57.589996,"confidence":0.8540039,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.22262337803840637},{"word":"say","start":57.589996,"end":58.089996,"confidence":0.94384766,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.15058472752571106},{"word":"i","start":58.55,"end":58.71,"confidence":0.3461914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19663763046264648},{"word":"say","start":58.71,"end":58.949997,"confidence":0.48388672,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.19637438654899597},{"word":"my","start":58.949997,"end":59.109997,"confidence":0.8198242,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.31184765696525574},{"word":"mom","start":59.109997,"end":59.269997,"confidence":0.86328125,"punctuated_word":"mom","sentiment":"negative","sentiment_score":-0.3940129280090332},{"word":"is","start":59.269997,"end":59.51,"confidence":0.5263672,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2893228828907013},{"word":"wrong","start":59.51,"end":59.909996,"confidence":0.20910645,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.18878768384456637},{"word":"as","start":59.909996,"end":60.07,"confidence":0.2536621,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.273023396730423},{"word":"i","start":60.07,"end":60.149998,"confidence":0.95410156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24058885872364044},{"word":"live","start":60.149998,"end":60.55,"confidence":0.9030762,"punctuated_word":"live.","sentiment":"neutral","sentiment_score":-0.2756173014640808},{"word":"so","start":60.55,"end":60.949997,"confidence":0.96875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0959114283323288},{"word":"yeah","start":61.199997,"end":61.699997,"confidence":0.9724121,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07795322686433792},{"word":"i","start":76.445,"end":76.605,"confidence":0.7607422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010322939604520798},{"word":"think","start":76.605,"end":77.005,"confidence":0.9350586,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0068976543843746185},{"word":"it","start":77.005,"end":77.085,"confidence":0.69628906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0008215252310037613},{"word":"looks","start":77.085,"end":77.585,"confidence":0.7573242,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.0016823429614305496},{"word":"$5","start":78.09,"end":78.81,"confidence":0.47351074,"punctuated_word":"$5.","sentiment":"neutral","sentiment_score":-0.004563606809824705},{"word":"so","start":78.81,"end":79.049995,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.017468135803937912},{"word":"only","start":79.049995,"end":79.21,"confidence":0.39111328,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.0086787398904562},{"word":"for","start":79.21,"end":79.71,"confidence":0.96435547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.005826054140925407},{"word":"a","start":79.93,"end":80.009995,"confidence":0.59814453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0044672563672065735},{"word":"few","start":80.009995,"end":80.33,"confidence":0.9951172,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.009780865162611008},{"word":"years","start":80.33,"end":80.57,"confidence":0.9980469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.0083590317517519},{"word":"that","start":80.57,"end":80.729996,"confidence":0.5024414,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0009281225502490996},{"word":"shows","start":80.729996,"end":81.049995,"confidence":0.88671875,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.009895026683807371},{"word":"a","start":81.049995,"end":81.49,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0021626558154821396},{"word":"a","start":81.49,"end":81.93,"confidence":0.9013672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008895805105566978},{"word":"retail","start":81.93,"end":82.33,"confidence":0.54003906,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":-0.013360321521759031},{"word":"manager","start":82.33,"end":82.83,"confidence":0.99658203,"punctuated_word":"manager.","sentiment":"neutral","sentiment_score":-0.01523023471236229},{"word":"it's","start":87.29,"end":87.53,"confidence":0.9111328,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01822378858923912},{"word":"roughly","start":87.53,"end":87.93,"confidence":0.99902344,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.016188595443964005},{"word":"between","start":87.93,"end":88.43,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02542724460363388},{"word":"7","start":88.49,"end":88.729996,"confidence":1.0,"punctuated_word":"7","sentiment":"neutral","sentiment_score":-0.02196759358048439},{"word":"and","start":88.729996,"end":89.13,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019789308309555057},{"word":"8","start":89.13,"end":89.29,"confidence":0.9892578,"punctuated_word":"8","sentiment":"neutral","sentiment_score":-0.01229512132704258},{"word":"k","start":89.29,"end":89.79,"confidence":0.9921875,"punctuated_word":"k","sentiment":"neutral","sentiment_score":-0.01172427460551262},{"word":"from","start":90.17,"end":90.409996,"confidence":0.9160156,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.026278631761670113},{"word":"memory","start":90.409996,"end":90.909996,"confidence":0.9975586,"punctuated_word":"memory.","sentiment":"neutral","sentiment_score":-0.028675656765699387},{"word":"july","start":178.605,"end":179.105,"confidence":0.8203125,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":-0.05707714706659317},{"word":"oh","start":182.685,"end":182.845,"confidence":0.9301758,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.16717086732387543},{"word":"sorry","start":182.845,"end":183.085,"confidence":0.9941406,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2056782841682434},{"word":"we've","start":183.085,"end":183.245,"confidence":0.8796387,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.24206626415252688},{"word":"just","start":183.245,"end":183.405,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.25761082768440247},{"word":"been","start":183.405,"end":183.565,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.26858827471733093},{"word":"cutting","start":183.565,"end":183.725,"confidence":0.9873047,"punctuated_word":"cutting","sentiment":"neutral","sentiment_score":-0.2777400612831116},{"word":"in","start":183.725,"end":183.965,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.242671862244606},{"word":"and","start":183.965,"end":184.125,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27675002813339233},{"word":"out","start":184.125,"end":184.525,"confidence":0.98535156,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.2569272816181183},{"word":"yep","start":184.525,"end":184.725,"confidence":0.75024414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08535830676555634},{"word":"we","start":184.725,"end":184.925,"confidence":0.34838867,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09205888956785202},{"word":"finally","start":184.925,"end":185.245,"confidence":0.75097656,"punctuated_word":"finally","sentiment":"neutral","sentiment_score":0.07614313811063766},{"word":"got","start":185.245,"end":185.405,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08332546055316925},{"word":"you","start":185.405,"end":185.905,"confidence":0.86816406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07335080206394196},{"word":"no","start":188.605,"end":188.765,"confidence":0.8117676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2357117235660553},{"word":"i","start":188.765,"end":188.845,"confidence":0.90283203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17109540104866028},{"word":"was","start":188.845,"end":189.005,"confidence":0.9550781,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.16590391099452972},{"word":"just","start":189.005,"end":189.165,"confidence":0.95947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1983196437358856},{"word":"saying","start":189.165,"end":189.325,"confidence":0.90722656,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.12551075220108032},{"word":"to","start":189.325,"end":189.405,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12887845933437347},{"word":"your","start":189.405,"end":189.565,"confidence":0.71484375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10599590837955476},{"word":"colleague","start":189.565,"end":189.965,"confidence":0.8510742,"punctuated_word":"colleague","sentiment":"neutral","sentiment_score":-0.09762874245643616},{"word":"before","start":189.965,"end":190.29,"confidence":0.5480957,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.08567627519369125},{"word":"i","start":191.89,"end":192.04999,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12499350309371948},{"word":"did","start":192.04999,"end":192.29,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.09109465777873992},{"word":"have","start":192.29,"end":192.79,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11934865266084672},{"word":"june","start":192.93,"end":193.25,"confidence":0.9716797,"punctuated_word":"June","sentiment":"neutral","sentiment_score":-0.12686078250408173},{"word":"and","start":193.25,"end":193.40999,"confidence":0.90722656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15037333965301514},{"word":"july","start":193.40999,"end":193.90999,"confidence":1.0,"punctuated_word":"July","sentiment":"neutral","sentiment_score":-0.16361312568187714},{"word":"off","start":194.04999,"end":194.45,"confidence":0.8378906,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.15862937271595},{"word":"work","start":194.45,"end":194.95,"confidence":0.7207031,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.1634312868118286},{"word":"essentially","start":195.96999,"end":196.46999,"confidence":0.6730957,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.1431160867214203},{"word":"left","start":197.32999,"end":197.65,"confidence":0.60595703,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.2051878422498703},{"word":"my","start":197.65,"end":197.96999,"confidence":0.98828125,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.20080214738845825},{"word":"workplace","start":197.96999,"end":198.37,"confidence":0.6378174,"punctuated_word":"workplace,","sentiment":"neutral","sentiment_score":-0.166645348072052},{"word":"and","start":198.37,"end":198.68999,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1571587771177292},{"word":"it's","start":198.68999,"end":198.84999,"confidence":0.890625,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1805979460477829},{"word":"only","start":198.84999,"end":199.17,"confidence":0.203125,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.14179326593875885},{"word":"until","start":199.17,"end":199.67,"confidence":0.9770508,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.1562410593032837},{"word":"early","start":200.45,"end":200.68999,"confidence":0.9580078,"punctuated_word":"early","sentiment":"neutral","sentiment_score":-0.1552366465330124},{"word":"august","start":200.68999,"end":200.93,"confidence":0.505249,"punctuated_word":"August.","sentiment":"neutral","sentiment_score":-0.11722391843795776},{"word":"so","start":200.93,"end":201.09,"confidence":0.7397461,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11503072828054428},{"word":"i","start":201.09,"end":201.17,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1430886834859848},{"word":"had","start":201.17,"end":201.40999,"confidence":0.9770508,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.12370533496141434},{"word":"a","start":201.40999,"end":201.48999,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1656474769115448},{"word":"job","start":201.48999,"end":201.73,"confidence":0.87280273,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.1907866597175598},{"word":"so","start":201.73,"end":202.04999,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14758183062076569},{"word":"i","start":202.04999,"end":202.20999,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18083186447620392},{"word":"could","start":202.20999,"end":202.45,"confidence":0.94384766,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.16853588819503784},{"word":"have","start":202.45,"end":202.68999,"confidence":0.6191406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13797661662101746},{"word":"claimed","start":202.68999,"end":203.18999,"confidence":0.9790039,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":-0.165402352809906},{"word":"financial","start":203.56999,"end":203.96999,"confidence":0.7944336,"punctuated_word":"financial","sentiment":"negative","sentiment_score":-0.3422967195510864},{"word":"hardship","start":203.96999,"end":204.37,"confidence":1.0,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":-0.28219902515411377},{"word":"back","start":204.37,"end":204.87,"confidence":0.89746094,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":-0.2627348303794861},{"word":"yeah","start":205.40999,"end":205.90999,"confidence":0.9921875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.20297333598136905},{"word":"last","start":206.665,"end":207.165,"confidence":0.9326172,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.22046121954917908},{"word":"month","start":210.505,"end":211.005,"confidence":0.98095703,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.19935846328735352},{"word":"yep","start":219.86,"end":220.36,"confidence":0.95458984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0683198794722557},{"word":"yes","start":222.34,"end":222.84,"confidence":0.9970703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.007406754419207573},{"word":"yep","start":245.695,"end":246.195,"confidence":0.84472656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012428591959178448},{"word":"$1.75","start":252.33,"end":253.55,"confidence":0.79663086,"punctuated_word":"$1.75.","sentiment":"neutral","sentiment_score":0.0023901648819446564},{"word":"could","start":303.54,"end":304.04,"confidence":0.58691406,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":-0.046255335211753845},{"word":"is","start":309.54,"end":309.7,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0226358026266098},{"word":"there","start":309.7,"end":309.86002,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03091026097536087},{"word":"a","start":309.86002,"end":309.94,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03022659197449684},{"word":"way","start":309.94,"end":310.18002,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.03997214138507843},{"word":"to","start":310.18002,"end":310.34,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03641530126333237},{"word":"do","start":310.34,"end":310.58002,"confidence":0.984375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.004794806241989136},{"word":"a","start":310.58002,"end":310.74002,"confidence":0.7109375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04075144976377487},{"word":"joint","start":310.74002,"end":311.24002,"confidence":0.671875,"punctuated_word":"joint,","sentiment":"neutral","sentiment_score":0.04088247939944267},{"word":"yeah","start":312.1,"end":312.42,"confidence":0.9265137,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.055275872349739075},{"word":"like","start":312.42,"end":312.58002,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0551605150103569},{"word":"you","start":312.58002,"end":312.74002,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05862662196159363},{"word":"said","start":312.74002,"end":312.98,"confidence":0.97802734,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.03646497800946236},{"word":"just","start":312.98,"end":313.22,"confidence":0.5107422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.025599628686904907},{"word":"server","start":313.22,"end":313.54,"confidence":0.55371094,"punctuated_word":"server","sentiment":"neutral","sentiment_score":0.024582400918006897},{"word":"account","start":313.54,"end":313.86002,"confidence":0.9645996,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.021966978907585144},{"word":"like","start":313.86002,"end":314.02002,"confidence":0.99902344,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.023109376430511475},{"word":"is","start":314.02002,"end":314.1,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01098506897687912},{"word":"there","start":314.1,"end":314.26,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.031140707433223724},{"word":"a","start":314.26,"end":314.34,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04851120337843895},{"word":"way","start":314.34,"end":314.58002,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.04497833549976349},{"word":"to","start":314.58002,"end":314.66,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059771828353405},{"word":"add","start":314.66,"end":315.06,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.049210481345653534},{"word":"her","start":315.06,"end":315.30002,"confidence":0.99121094,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.014500930905342102},{"word":"name","start":315.30002,"end":315.54,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.010134004056453705},{"word":"to","start":315.54,"end":315.78,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048497796058654785},{"word":"my","start":315.78,"end":316.28,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.045615047216415405},{"word":"account","start":316.9,"end":317.22,"confidence":0.9892578,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.04804253578186035},{"word":"and","start":317.22,"end":317.38,"confidence":0.6279297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05388727784156799},{"word":"then","start":317.38,"end":317.54,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04826159030199051},{"word":"that","start":317.54,"end":317.78,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012960515916347504},{"word":"sort","start":317.78,"end":318.02002,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02086888998746872},{"word":"of","start":318.02002,"end":318.18,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06220798194408417},{"word":"counts","start":318.18,"end":318.5,"confidence":0.6298828,"punctuated_word":"counts","sentiment":"neutral","sentiment_score":0.008823320269584656},{"word":"as","start":318.5,"end":318.66,"confidence":0.95703125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.027046337723731995},{"word":"her","start":318.66,"end":318.9,"confidence":0.91845703,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.032221101224422455},{"word":"server","start":318.9,"end":319.335,"confidence":0.9375,"punctuated_word":"server","sentiment":"neutral","sentiment_score":0.02257036417722702},{"word":"account","start":320.85498,"end":321.255,"confidence":0.77246094,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.012452613562345505},{"word":"or","start":321.255,"end":321.655,"confidence":0.99609375,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.02805452048778534},{"word":"is","start":321.655,"end":321.895,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.033834297209978104},{"word":"it","start":321.895,"end":321.975,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0244130939245224},{"word":"just","start":321.975,"end":322.29498,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0054887160658836365},{"word":"individual","start":322.29498,"end":322.775,"confidence":0.95947266,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":-0.005925625562667847},{"word":"across","start":322.775,"end":323.095,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.02772827073931694},{"word":"the","start":323.095,"end":323.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0019350796937942505},{"word":"board","start":323.175,"end":323.675,"confidence":0.99902344,"punctuated_word":"board?","sentiment":"neutral","sentiment_score":-0.005806829780340195},{"word":"damn","start":326.775,"end":327.275,"confidence":0.986084,"punctuated_word":"Damn.","sentiment":"neutral","sentiment_score":-0.22882835566997528},{"word":"yeah","start":358.19498,"end":358.675,"confidence":0.8859863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011843264102935793},{"word":"don't","start":358.675,"end":359.155,"confidence":0.73461914,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.1063661202788353},{"word":"feel","start":359.155,"end":359.31497,"confidence":0.9707031,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.178854838013649},{"word":"like","start":359.31497,"end":359.555,"confidence":0.9604492,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.17948812246322632},{"word":"getting","start":359.555,"end":359.79498,"confidence":0.92578125,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.15099039673805237},{"word":"the","start":359.79498,"end":360.06,"confidence":0.41088867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0954226180911064},{"word":"phones","start":371.5,"end":371.82,"confidence":0.63549805,"punctuated_word":"phones.","sentiment":"neutral","sentiment_score":-0.20695385336875916},{"word":"yeah","start":371.82,"end":372.32,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015596428886055946},{"word":"no","start":383.105,"end":383.345,"confidence":0.9416504,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17626938223838806},{"word":"we","start":383.345,"end":383.505,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.15163524448871613},{"word":"actually","start":383.505,"end":383.825,"confidence":0.99121094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.11808918416500092},{"word":"just","start":383.825,"end":384.065,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12621890008449554},{"word":"got","start":384.065,"end":384.225,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.12490388005971909},{"word":"reassessed","start":384.225,"end":384.725,"confidence":0.9995117,"punctuated_word":"reassessed","sentiment":"neutral","sentiment_score":-0.08026928454637527},{"word":"because","start":384.785,"end":385.025,"confidence":0.8520508,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07347016036510468},{"word":"she's","start":385.025,"end":385.26498,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.04172792658209801},{"word":"got","start":385.26498,"end":385.505,"confidence":0.98291016,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.06221231818199158},{"word":"care","start":385.505,"end":385.625,"confidence":0.5292969,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.05405275151133537},{"word":"of","start":385.625,"end":385.745,"confidence":0.3540039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0321459099650383},{"word":"the","start":385.745,"end":385.905,"confidence":0.7182617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07746024429798126},{"word":"layout","start":385.905,"end":386.385,"confidence":0.42797852,"punctuated_word":"layout,","sentiment":"neutral","sentiment_score":-0.04362628608942032},{"word":"and","start":386.385,"end":386.885,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02598343789577484},{"word":"my","start":390.04,"end":390.54,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02805478870868683},{"word":"broker","start":391.8,"end":392.3,"confidence":0.9902344,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.033442363142967224},{"word":"and","start":392.52,"end":392.92,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02699834108352661},{"word":"her","start":392.92,"end":393.16,"confidence":0.99609375,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.027973905205726624},{"word":"family","start":393.16,"end":393.66,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.030792146921157837},{"word":"said","start":393.8,"end":394.12,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.002934291958808899},{"word":"something's","start":394.12,"end":394.52,"confidence":0.6953125,"punctuated_word":"something's","sentiment":"neutral","sentiment_score":-0.010090170428156853},{"word":"changed","start":394.52,"end":394.76,"confidence":0.9658203,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.011901073157787325},{"word":"in","start":394.76,"end":394.84,"confidence":0.48168945,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.022283874452114105},{"word":"centrelink","start":394.84,"end":395.24,"confidence":0.76330566,"punctuated_word":"Centrelink,","sentiment":"neutral","sentiment_score":0.006476894021034241},{"word":"and","start":395.24,"end":395.4,"confidence":0.8276367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05303875356912613},{"word":"we","start":395.4,"end":395.56,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0674809142947197},{"word":"might","start":395.56,"end":395.72,"confidence":0.7319336,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1114526316523552},{"word":"be","start":395.72,"end":395.88,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05156932771205902},{"word":"eligible","start":395.88,"end":396.38,"confidence":0.9692383,"punctuated_word":"eligible.","sentiment":"neutral","sentiment_score":0.015769660472869873},{"word":"so","start":396.44,"end":396.92,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02603612095117569},{"word":"just","start":396.92,"end":397.16,"confidence":0.3330078,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00944507122039795},{"word":"currently","start":397.16,"end":397.64,"confidence":0.9394531,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.022404037415981293},{"word":"got","start":397.64,"end":397.8,"confidence":0.93408203,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.022121578454971313},{"word":"a","start":397.8,"end":397.88,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005735944956541061},{"word":"claim","start":397.88,"end":398.2,"confidence":0.9892578,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.018662557005882263},{"word":"in","start":398.2,"end":398.7,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02471257746219635},{"word":"the","start":399.4,"end":399.48,"confidence":0.875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006060771644115448},{"word":"last","start":399.48,"end":399.735,"confidence":0.85839844,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.014728806912899016},{"word":"year","start":399.735,"end":399.97498,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.01614045351743698},{"word":"and","start":399.97498,"end":400.13498,"confidence":0.9453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0378870815038681},{"word":"this","start":400.13498,"end":400.375,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0384112223982811},{"word":"financial","start":400.375,"end":400.875,"confidence":0.9980469,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.04942196235060692},{"word":"year","start":400.935,"end":401.175,"confidence":0.74035645,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.04880658537149429},{"word":"so","start":401.175,"end":401.495,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.005596838891506195},{"word":"i","start":401.495,"end":401.995,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017857380211353302},{"word":"think","start":402.13498,"end":402.455,"confidence":0.62841797,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04765212535858154},{"word":"it's","start":402.455,"end":402.69498,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03009992092847824},{"word":"actually","start":402.69498,"end":403.19498,"confidence":0.99121094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.03361719846725464},{"word":"yeah","start":403.335,"end":403.495,"confidence":0.6557617,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03829558193683624},{"word":"she","start":403.495,"end":403.735,"confidence":0.52246094,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.2161701023578644},{"word":"it's","start":403.81497,"end":404.055,"confidence":0.68481445,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.22488510608673096},{"word":"not","start":404.055,"end":404.215,"confidence":0.9589844,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.25743359327316284},{"word":"gonna","start":404.215,"end":404.375,"confidence":0.97802734,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2902458608150482},{"word":"be","start":404.375,"end":404.53497,"confidence":0.9790039,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2837803363800049},{"word":"a","start":404.53497,"end":404.615,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2194618433713913},{"word":"lot","start":404.615,"end":404.775,"confidence":0.93774414,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":-0.271614670753479},{"word":"but","start":404.775,"end":404.935,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2090383619070053},{"word":"at","start":404.935,"end":405.01498,"confidence":0.37597656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27920013666152954},{"word":"least","start":405.01498,"end":405.25497,"confidence":0.9902344,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.2180386334657669},{"word":"it","start":405.25497,"end":405.335,"confidence":0.26538086,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2639061212539673},{"word":"should've","start":405.335,"end":405.495,"confidence":0.55163574,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":-0.21149878203868863},{"word":"been","start":405.495,"end":405.655,"confidence":0.97998047,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.30250871181488037},{"word":"something","start":405.655,"end":406.055,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.32205671072006226},{"word":"that's","start":406.055,"end":406.29498,"confidence":0.626709,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.32187116146087646},{"word":"all","start":406.29498,"end":406.53497,"confidence":0.4658203,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2904113829135895},{"word":"gone","start":406.53497,"end":407.03497,"confidence":0.5683594,"punctuated_word":"gone.","sentiment":"neutral","sentiment_score":-0.22365052998065948},{"word":"yeah","start":409.25497,"end":409.75497,"confidence":0.69262695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00483243353664875},{"word":"family","start":415.7,"end":416.1,"confidence":0.98828125,"punctuated_word":"Family","sentiment":"neutral","sentiment_score":-0.01101202517747879},{"word":"tax","start":416.1,"end":416.58,"confidence":0.9760742,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.005702078342437744},{"word":"a","start":416.58,"end":416.74,"confidence":0.74902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0003615003079175949},{"word":"and","start":416.74,"end":416.98,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.013966552913188934},{"word":"b","start":416.98,"end":417.48,"confidence":0.9855957,"punctuated_word":"b.","sentiment":"neutral","sentiment_score":-0.010346661321818829},{"word":"alliance","start":424.26,"end":424.76,"confidence":0.73291016,"punctuated_word":"Alliance","sentiment":"neutral","sentiment_score":0.01519457995891571},{"word":"yeah","start":425.79498,"end":426.19498,"confidence":0.96875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00022076768800616264},{"word":"payment","start":426.19498,"end":426.69498,"confidence":0.98291016,"punctuated_word":"Payment.","sentiment":"neutral","sentiment_score":-0.017566625028848648},{"word":"yeah","start":428.03497,"end":428.35498,"confidence":0.9633789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015795601531863213},{"word":"i","start":428.35498,"end":428.435,"confidence":0.9526367,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04475951194763184},{"word":"have","start":428.435,"end":428.675,"confidence":0.6958008,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03462738171219826},{"word":"to","start":428.675,"end":429.155,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0376875102519989},{"word":"double","start":429.155,"end":429.47498,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.02946578711271286},{"word":"check","start":429.47498,"end":429.63498,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.03126157447695732},{"word":"that","start":429.63498,"end":429.715,"confidence":0.97509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.052487149834632874},{"word":"because","start":429.715,"end":429.955,"confidence":0.76171875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05930813029408455},{"word":"i","start":429.955,"end":430.03497,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06346533447504044},{"word":"know","start":430.03497,"end":430.19498,"confidence":0.92333984,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06306716799736023},{"word":"there's","start":430.19498,"end":430.35498,"confidence":0.8911133,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.04901165887713432},{"word":"two","start":430.35498,"end":430.51498,"confidence":0.39746094,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.05730164423584938},{"word":"there's","start":430.59497,"end":430.675,"confidence":0.9602051,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.05692890286445618},{"word":"a","start":430.675,"end":430.75497,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05277023836970329},{"word":"payment","start":430.75497,"end":431.07498,"confidence":0.99609375,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.05734868720173836},{"word":"and","start":431.07498,"end":431.235,"confidence":0.64990234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0963134989142418},{"word":"there's","start":431.235,"end":431.395,"confidence":0.9802246,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.0776393786072731},{"word":"a","start":431.395,"end":431.47498,"confidence":0.9116211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07168883085250854},{"word":"layout","start":431.47498,"end":431.79498,"confidence":0.8029785,"punctuated_word":"layout.","sentiment":"neutral","sentiment_score":-0.0698007345199585},{"word":"it's","start":431.79498,"end":432.115,"confidence":0.9807129,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11186670511960985},{"word":"a","start":432.115,"end":432.19498,"confidence":0.91845703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09272052347660063},{"word":"pretty","start":432.19498,"end":432.435,"confidence":0.52441406,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.09569106996059418},{"word":"short","start":432.435,"end":432.75497,"confidence":0.9135742,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.06952212005853653},{"word":"payment","start":432.75497,"end":433.25497,"confidence":0.97875977,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":-0.09307734668254852},{"word":"she's","start":450.735,"end":450.975,"confidence":0.9970703,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.0260600708425045},{"word":"on","start":450.975,"end":451.375,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02318790927529335},{"word":"one","start":451.375,"end":451.875,"confidence":0.9716797,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03024476394057274},{"word":"$1.60","start":452.655,"end":453.455,"confidence":0.8239746,"punctuated_word":"$1.60","sentiment":"neutral","sentiment_score":0.03410611301660538},{"word":"or","start":453.455,"end":453.535,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03380439803004265},{"word":"something","start":453.535,"end":454.035,"confidence":0.96875,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.035358112305402756},{"word":"yeah","start":456.895,"end":457.395,"confidence":0.7697754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04090922325849533},{"word":"yeah","start":475.28003,"end":475.78003,"confidence":0.7741699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016606707125902176},{"word":"yeah","start":507.015,"end":507.415,"confidence":0.8078613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.057711608707904816},{"word":"how","start":507.415,"end":507.655,"confidence":0.97314453,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.0032502934336662292},{"word":"much","start":507.655,"end":507.815,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0016799494624137878},{"word":"is","start":507.815,"end":508.095,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026684146374464035},{"word":"the","start":508.095,"end":508.375,"confidence":0.4440918,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007839202880859375},{"word":"okay","start":512.535,"end":512.935,"confidence":0.99365234,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.058218009769916534},{"word":"well","start":512.935,"end":513.335,"confidence":0.98999023,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.016717351973056793},{"word":"i","start":513.335,"end":513.415,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.049301907420158386},{"word":"mean","start":513.415,"end":513.655,"confidence":0.9904785,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0142710879445076},{"word":"something's","start":513.655,"end":513.975,"confidence":0.9536133,"punctuated_word":"something's","sentiment":"neutral","sentiment_score":-0.05808340758085251},{"word":"better","start":513.975,"end":514.295,"confidence":0.8959961,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.0188625305891037},{"word":"than","start":514.295,"end":514.455,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.019965052604675293},{"word":"nothing","start":514.455,"end":514.855,"confidence":0.7783203,"punctuated_word":"nothing.","sentiment":"neutral","sentiment_score":-0.11980883777141572},{"word":"so","start":514.855,"end":515.095,"confidence":0.7006836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0927666798233986},{"word":"and","start":515.255,"end":515.495,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15897302329540253},{"word":"i'll","start":515.495,"end":515.575,"confidence":0.74328613,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.19570046663284305},{"word":"keep","start":515.575,"end":515.815,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.2488556206226349},{"word":"forgetting","start":515.815,"end":516.015,"confidence":0.45507812,"punctuated_word":"forgetting","sentiment":"neutral","sentiment_score":-0.1737407147884369},{"word":"it","start":516.015,"end":516.215,"confidence":0.6828613,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1257200390100479},{"word":"it's","start":516.215,"end":516.455,"confidence":0.88012695,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08949347585439682},{"word":"it's","start":516.455,"end":516.535,"confidence":0.6287842,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.023633435368537903},{"word":"her","start":516.535,"end":516.855,"confidence":0.28051758,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":-0.011605434119701384},{"word":"so","start":516.855,"end":517.175,"confidence":0.6738281,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.058894746005535126},{"word":"yeah","start":517.175,"end":517.335,"confidence":0.9121094,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11026009917259216},{"word":"she","start":517.335,"end":517.495,"confidence":0.9921875,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0949159562587738},{"word":"can","start":517.495,"end":517.655,"confidence":0.97265625,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14331850409507751},{"word":"find","start":517.655,"end":517.895,"confidence":0.8076172,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.10105368494987488},{"word":"financial","start":517.895,"end":518.375,"confidence":0.5209961,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.000550583004951477},{"word":"hardship","start":518.375,"end":518.82,"confidence":0.8720703,"punctuated_word":"hardship","sentiment":"neutral","sentiment_score":0.0111607164144516},{"word":"or","start":526.34,"end":526.58,"confidence":0.4169922,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16874371469020844},{"word":"not","start":526.58,"end":526.74,"confidence":0.87646484,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.11841599643230438},{"word":"but","start":526.74,"end":526.9,"confidence":0.38671875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.012883879244327543},{"word":"$5.06","start":527.14,"end":527.86,"confidence":0.5222168,"punctuated_word":"$5.06.","sentiment":"neutral","sentiment_score":-0.010695045813918114},{"word":"yeah","start":527.86,"end":528.36,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06227896362543106},{"word":"alright","start":529.7,"end":530.2,"confidence":0.9875488,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0991140827536583},{"word":"yeah","start":532.095,"end":532.255,"confidence":0.7988281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09011678397655488},{"word":"so","start":532.255,"end":532.575,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06568841636180878},{"word":"i","start":532.575,"end":532.65497,"confidence":0.7817383,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06992429494857788},{"word":"might","start":532.65497,"end":533.15497,"confidence":0.6879883,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08264688402414322},{"word":"i'll","start":533.295,"end":533.455,"confidence":0.9772949,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.061939992010593414},{"word":"go","start":533.455,"end":533.615,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06550006568431854},{"word":"on","start":533.615,"end":533.77496,"confidence":0.9326172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07333381474018097},{"word":"her","start":533.77496,"end":533.935,"confidence":0.9140625,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.03502232953906059},{"word":"ata","start":533.935,"end":534.33496,"confidence":0.58186847,"punctuated_word":"ATA,","sentiment":"neutral","sentiment_score":0.04410536587238312},{"word":"click","start":534.33496,"end":534.575,"confidence":0.9760742,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.05165856704115867},{"word":"on","start":534.575,"end":534.815,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03751378133893013},{"word":"financial","start":534.815,"end":535.315,"confidence":0.89746094,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.000279400497674942},{"word":"hardship","start":535.935,"end":536.33496,"confidence":0.9807129,"punctuated_word":"hardship.","sentiment":"neutral","sentiment_score":0.023469550535082817},{"word":"what","start":536.33496,"end":536.83496,"confidence":0.99609375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.023877225816249847},{"word":"are","start":536.975,"end":537.135,"confidence":0.90234375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03381050378084183},{"word":"they","start":537.135,"end":537.375,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04438239336013794},{"word":"gonna","start":537.375,"end":537.615,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04318699240684509},{"word":"ask","start":537.615,"end":537.855,"confidence":0.9980469,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.025206707417964935},{"word":"for","start":537.855,"end":538.015,"confidence":0.9248047,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":0.01383323222398758},{"word":"do","start":538.015,"end":538.095,"confidence":0.9951172,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.005651533603668213},{"word":"you","start":538.095,"end":538.175,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01636470854282379},{"word":"know","start":538.175,"end":538.675,"confidence":0.9831543,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.032130591571331024},{"word":"yep","start":567.805,"end":568.305,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08329321444034576},{"word":"okay","start":572.91,"end":573.41,"confidence":0.85424805,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08504185825586319},{"word":"yep","start":593.965,"end":594.465,"confidence":0.96118164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01464188750833273},{"word":"yeah","start":631.9,"end":632.14,"confidence":0.8718262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0533626414835453},{"word":"yeah","start":632.14,"end":632.3,"confidence":0.8244629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05623849853873253},{"word":"i","start":632.3,"end":632.38,"confidence":0.5498047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10683556646108627},{"word":"already","start":632.38,"end":632.62,"confidence":0.99121094,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.08333219587802887},{"word":"have","start":632.62,"end":633.12,"confidence":0.96191406,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.04079131782054901},{"word":"yep","start":637.26,"end":637.76,"confidence":0.77319336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015566058456897736},{"word":"went","start":639.34,"end":639.66003,"confidence":0.98828125,"punctuated_word":"Went","sentiment":"neutral","sentiment_score":-0.005079786293208599},{"word":"to","start":639.66003,"end":639.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004533436149358749},{"word":"the","start":639.82,"end":640.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01719711348414421},{"word":"the","start":640.7,"end":640.78,"confidence":0.6816406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01966811716556549},{"word":"bank","start":640.78,"end":641.02,"confidence":0.8359375,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":0.02348954975605011},{"word":"of","start":641.02,"end":641.18,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0375356450676918},{"word":"dad","start":641.18,"end":641.68,"confidence":0.93408203,"punctuated_word":"Dad.","sentiment":"neutral","sentiment_score":0.04793764650821686},{"word":"i","start":645.315,"end":645.47504,"confidence":0.72998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04083028435707092},{"word":"know","start":645.47504,"end":645.97504,"confidence":0.9951172,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.02979510836303234},{"word":"yes","start":648.435,"end":648.935,"confidence":0.9885254,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.005172282457351685},{"word":"trying","start":649.23505,"end":649.47504,"confidence":0.5229492,"punctuated_word":"Trying","sentiment":"neutral","sentiment_score":-0.07352030277252197},{"word":"to","start":649.47504,"end":649.635,"confidence":0.6738281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07446520030498505},{"word":"throw","start":649.635,"end":649.755,"confidence":0.7817383,"punctuated_word":"throw","sentiment":"neutral","sentiment_score":-0.07493840157985687},{"word":"a","start":649.755,"end":649.875,"confidence":0.4724121,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09186312556266785},{"word":"lot","start":649.875,"end":649.995,"confidence":0.9453125,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.12797436118125916},{"word":"of","start":649.995,"end":650.11505,"confidence":0.7167969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1800031214952469},{"word":"it","start":650.11505,"end":650.195,"confidence":0.63916016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21205146610736847},{"word":"too","start":650.195,"end":650.35504,"confidence":0.99609375,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.15010473132133484},{"word":"much","start":650.35504,"end":650.515,"confidence":0.85961914,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.13203532993793488},{"word":"but","start":650.515,"end":650.755,"confidence":0.890625,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.11890575289726256},{"word":"yeah","start":650.755,"end":650.99506,"confidence":0.95947266,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.139551043510437},{"word":"it","start":650.99506,"end":651.075,"confidence":0.97265625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19127006828784943},{"word":"just","start":651.075,"end":651.315,"confidence":0.73779297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16245418787002563},{"word":"made","start":651.315,"end":651.47504,"confidence":0.8173828,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.18471719324588776},{"word":"us","start":651.47504,"end":651.875,"confidence":0.91748047,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.17443598806858063},{"word":"a","start":651.875,"end":652.03503,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14386162161827087},{"word":"withdrawal","start":652.03503,"end":652.53503,"confidence":0.36938477,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":-0.2143304944038391},{"word":"a","start":652.59503,"end":652.67505,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18656130135059357},{"word":"little","start":652.67505,"end":652.91504,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.11131814122200012},{"word":"bit","start":652.91504,"end":653.41504,"confidence":0.97924805,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.044306933879852295},{"word":"yep","start":663.85,"end":664.35,"confidence":0.82592773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04009513929486275},{"word":"yeah","start":674.83496,"end":675.15497,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03227442130446434},{"word":"absolutely","start":675.15497,"end":675.65497,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.011382941156625748},{"word":"yep","start":676.115,"end":676.615,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.013345470651984217},{"word":"yeah","start":691.41,"end":691.73,"confidence":0.80566406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11643500626087187},{"word":"yeah","start":691.73,"end":692.23,"confidence":0.9519043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.037392135709524155},{"word":"well","start":693.09,"end":693.41,"confidence":0.6838379,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.01921351812779903},{"word":"i","start":693.41,"end":693.57,"confidence":0.6538086,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03247605636715889},{"word":"yep","start":702.07495,"end":702.57495,"confidence":0.9345703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.004961769096553326},{"word":"yep","start":703.595,"end":704.095,"confidence":0.92041016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06645020842552185},{"word":"cool","start":713.42,"end":713.92,"confidence":0.84228516,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.16449379920959473},{"word":"that's","start":714.38,"end":714.77997,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.645163893699646},{"word":"fantastic","start":714.77997,"end":715.14,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6783438920974731},{"word":"that's","start":715.14,"end":715.5,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.31571969389915466},{"word":"yeah","start":716.22,"end":716.72,"confidence":0.93237305,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.25523656606674194},{"word":"so","start":721.26,"end":721.5,"confidence":0.79833984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013274401426315308},{"word":"we","start":721.5,"end":721.66,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06051775813102722},{"word":"still","start":721.66,"end":721.89996,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14213845133781433},{"word":"need","start":721.89996,"end":722.06,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.006655484437942505},{"word":"that","start":722.06,"end":722.22,"confidence":0.6772461,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0034052561968564987},{"word":"q","start":722.22,"end":722.54,"confidence":0.7963867,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.013928305357694626},{"word":"two","start":722.54,"end":722.7,"confidence":0.9873047,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.014177408069372175},{"word":"form","start":722.7,"end":723.2,"confidence":0.5987549,"punctuated_word":"form?","sentiment":"neutral","sentiment_score":-0.012758894823491572},{"word":"okay","start":726.665,"end":727.165,"confidence":0.9328613,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03203041851520538},{"word":"yes","start":768.305,"end":768.805,"confidence":0.7687988,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16176822781562805},{"word":"well","start":789.015,"end":789.17505,"confidence":0.76171875,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.026836395263671875},{"word":"say","start":789.17505,"end":789.41504,"confidence":0.6635742,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.02549530565738678},{"word":"if","start":789.41504,"end":789.495,"confidence":0.734375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09783484041690826},{"word":"we","start":789.495,"end":789.575,"confidence":0.94921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08860352635383606},{"word":"got","start":789.575,"end":789.73505,"confidence":0.9453125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10782673954963684},{"word":"the","start":789.73505,"end":789.895,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06061067432165146},{"word":"family","start":789.895,"end":790.215,"confidence":0.8520508,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.09725922346115112},{"word":"tax","start":790.215,"end":790.53503,"confidence":0.97314453,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.14843282103538513},{"word":"a","start":790.53503,"end":790.61505,"confidence":0.890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09629078209400176},{"word":"and","start":790.61505,"end":790.775,"confidence":0.9199219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011355310678482056},{"word":"b","start":790.775,"end":790.935,"confidence":0.99902344,"punctuated_word":"b","sentiment":"neutral","sentiment_score":0.09032157063484192},{"word":"as","start":790.935,"end":791.09503,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10533419251441956},{"word":"well","start":791.09503,"end":791.335,"confidence":0.9663086,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.07554827630519867},{"word":"would","start":791.335,"end":791.495,"confidence":0.88720703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12849435210227966},{"word":"that","start":791.495,"end":791.97504,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16776371002197266},{"word":"help","start":791.97504,"end":792.29504,"confidence":0.857666,"punctuated_word":"help?","sentiment":"neutral","sentiment_score":0.03163257986307144},{"word":"or","start":792.29504,"end":792.79504,"confidence":0.86328125,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.004749216139316559},{"word":"because","start":796.38995,"end":796.55,"confidence":0.9291992,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.028828509151935577},{"word":"i","start":796.55,"end":796.63,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02115243673324585},{"word":"think","start":796.63,"end":796.79,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.041402049362659454},{"word":"we","start":796.79,"end":797.29,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0332806259393692},{"word":"got","start":797.43,"end":797.67,"confidence":0.70458984,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0433138906955719},{"word":"a","start":797.67,"end":797.82996,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022474125027656555},{"word":"decision","start":797.82996,"end":798.23,"confidence":0.99902344,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.012492433190345764},{"word":"next","start":798.23,"end":798.47,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.008143723011016846},{"word":"week","start":798.47,"end":798.70996,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.015126749873161316},{"word":"whether","start":798.70996,"end":799.02997,"confidence":0.8647461,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0093192458152771},{"word":"it's","start":799.02997,"end":799.26996,"confidence":0.7186279,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.014449077658355236},{"word":"approved","start":799.26996,"end":799.67,"confidence":0.9921875,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":-0.014705769717693329},{"word":"or","start":799.67,"end":799.82996,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06897274404764175},{"word":"not","start":799.82996,"end":800.32996,"confidence":0.99902344,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.051768675446510315},{"word":"right","start":815.035,"end":815.535,"confidence":0.80078125,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.013624366372823715},{"word":"oh","start":821.98004,"end":822.14,"confidence":0.9291992,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06042877584695816},{"word":"hang","start":822.14,"end":822.46,"confidence":1.0,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.08990160375833511},{"word":"on","start":822.46,"end":822.96,"confidence":0.9995117,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.05574915185570717},{"word":"got","start":823.5,"end":823.74,"confidence":0.7783203,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":-0.03845607489347458},{"word":"it","start":823.74,"end":823.9,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009240099228918552},{"word":"on","start":823.9,"end":824.4,"confidence":0.8659668,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.015121294185519218},{"word":"elle","start":825.66003,"end":826.06,"confidence":0.32507324,"punctuated_word":"Elle","sentiment":"neutral","sentiment_score":-0.039420440793037415},{"word":"eldis","start":826.06,"end":826.56,"confidence":0.4058838,"punctuated_word":"Eldis","sentiment":"neutral","sentiment_score":-0.04785602539777756},{"word":"has","start":826.62,"end":827.12,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03949042409658432},{"word":"asd","start":828.54004,"end":829.04004,"confidence":0.9057617,"punctuated_word":"ASD.","sentiment":"neutral","sentiment_score":-0.04084477946162224},{"word":"so","start":831.58,"end":832.08,"confidence":0.99316406,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.023549411445856094},{"word":"yeah","start":832.695,"end":832.935,"confidence":0.9814453,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04753816872835159},{"word":"she","start":832.935,"end":833.255,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.009155645966529846},{"word":"was","start":833.255,"end":833.755,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.010160733014345167},{"word":"she","start":834.135,"end":834.29504,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.007433746010065079},{"word":"actually","start":834.29504,"end":834.61505,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.03468045964837074},{"word":"got","start":834.61505,"end":835.11505,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.021171994507312775},{"word":"our","start":835.895,"end":836.395,"confidence":0.23461914,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.005915015935897827},{"word":"ndis","start":836.61505,"end":837.11505,"confidence":0.9753418,"punctuated_word":"NDIS","sentiment":"neutral","sentiment_score":0.0005320943892002106},{"word":"what","start":839.575,"end":839.73505,"confidence":0.9892578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.043724268674850464},{"word":"do","start":839.73505,"end":839.815,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.034564848989248276},{"word":"you","start":839.815,"end":839.895,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035209354013204575},{"word":"call","start":839.895,"end":840.05505,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.05203878879547119},{"word":"them","start":840.05505,"end":840.29504,"confidence":0.9111328,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":-0.042897846549749374},{"word":"like","start":840.29504,"end":840.455,"confidence":0.9638672,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.02923729456961155},{"word":"account","start":840.455,"end":840.775,"confidence":0.96240234,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.0062591806054115295},{"word":"manager","start":840.775,"end":841.09503,"confidence":0.99609375,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.023444727063179016},{"word":"or","start":841.09503,"end":841.17505,"confidence":0.57666016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.010993961244821548},{"word":"whatever","start":841.17505,"end":841.49506,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.02569243311882019},{"word":"it","start":841.49506,"end":841.655,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011114612221717834},{"word":"is","start":841.655,"end":841.97504,"confidence":0.9123535,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.007049364969134331},{"word":"they","start":841.97504,"end":842.47504,"confidence":0.9716797,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.010380826890468596},{"word":"actually","start":842.775,"end":843.255,"confidence":0.8857422,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.03913667052984238},{"word":"advised","start":843.255,"end":843.73505,"confidence":0.73779297,"punctuated_word":"advised","sentiment":"neutral","sentiment_score":-0.007535830140113831},{"word":"her","start":843.73505,"end":843.895,"confidence":0.9790039,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.01530025154352188},{"word":"to","start":843.895,"end":844.29504,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006258517503738403},{"word":"gonna","start":844.29504,"end":844.61505,"confidence":0.36572266,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.028497900813817974},{"word":"get","start":844.61505,"end":844.775,"confidence":0.98828125,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0050947219133377075},{"word":"her","start":844.775,"end":844.85504,"confidence":0.70654297,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.030202671885490417},{"word":"because","start":844.85504,"end":845.09503,"confidence":0.8413086,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.031475335359573364},{"word":"she","start":845.09503,"end":845.255,"confidence":0.9970703,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.02640237659215927},{"word":"was","start":845.255,"end":845.41504,"confidence":0.98828125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05809438228607178},{"word":"eligible","start":845.41504,"end":845.91504,"confidence":0.98168945,"punctuated_word":"eligible.","sentiment":"neutral","sentiment_score":0.06806231290102005},{"word":"i","start":851.12,"end":851.28,"confidence":0.9160156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09565462917089462},{"word":"do","start":851.28,"end":851.44,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10624680668115616},{"word":"have","start":851.44,"end":851.68,"confidence":0.98828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07694333791732788},{"word":"a","start":851.68,"end":851.84,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06738117337226868},{"word":"doc","start":851.84,"end":852.34,"confidence":0.26879883,"punctuated_word":"doc","sentiment":"neutral","sentiment_score":0.035447001457214355},{"word":"saved","start":852.64,"end":853.14,"confidence":0.3569336,"punctuated_word":"saved","sentiment":"neutral","sentiment_score":0.03339417278766632},{"word":"statement","start":856.0,"end":856.5,"confidence":0.78222656,"punctuated_word":"statement.","sentiment":"neutral","sentiment_score":0.03923565149307251},{"word":"no","start":857.28,"end":857.68,"confidence":0.91503906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15907421708106995},{"word":"not","start":857.68,"end":857.84,"confidence":0.9448242,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.25562548637390137},{"word":"that","start":857.84,"end":858.08,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1686806082725525},{"word":"one","start":858.08,"end":858.58,"confidence":0.9663086,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.1702457070350647},{"word":"here","start":861.165,"end":861.325,"confidence":0.9970703,"punctuated_word":"Here","sentiment":"neutral","sentiment_score":-0.05075913295149803},{"word":"we","start":861.325,"end":861.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.026721693575382233},{"word":"go","start":861.485,"end":861.985,"confidence":1.0,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.0008491501212120056},{"word":"carriage","start":862.205,"end":862.685,"confidence":0.34588623,"punctuated_word":"Carriage","sentiment":"neutral","sentiment_score":-0.02558666095137596},{"word":"allowance","start":862.685,"end":863.185,"confidence":0.814209,"punctuated_word":"allowance,","sentiment":"neutral","sentiment_score":-0.014033947139978409},{"word":"$16,264.09","start":863.565,"end":866.545,"confidence":0.83378094,"punctuated_word":"$16,264.09.","sentiment":"neutral","sentiment_score":0.02193978801369667},{"word":"yeah","start":872.765,"end":873.265,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05724295973777771},{"word":"are","start":930.16,"end":930.32,"confidence":0.72314453,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.03149733692407608},{"word":"there","start":930.32,"end":930.48,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.027646224945783615},{"word":"any","start":930.48,"end":930.72,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03015820123255253},{"word":"other","start":930.72,"end":931.22,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.01672441139817238},{"word":"satellite","start":932.0,"end":932.5,"confidence":0.21435547,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.02732139080762863},{"word":"payments","start":932.56,"end":933.04,"confidence":0.9838867,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.023753907531499863},{"word":"that","start":933.04,"end":933.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03014841116964817},{"word":"would","start":933.2,"end":933.36,"confidence":0.9892578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.029646925628185272},{"word":"be","start":933.36,"end":933.51996,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01953885331749916},{"word":"eligible","start":933.51996,"end":934.01996,"confidence":0.9970703,"punctuated_word":"eligible?","sentiment":"neutral","sentiment_score":0.030701322481036183},{"word":"no","start":948.495,"end":948.975,"confidence":0.8876953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06599757075309753},{"word":"that","start":948.975,"end":949.135,"confidence":0.37402344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.047745224088430405},{"word":"was","start":949.135,"end":949.295,"confidence":0.8959961,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.058794327080249786},{"word":"enough","start":949.295,"end":949.795,"confidence":0.9980469,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.03193192183971405},{"word":"she's","start":960.56,"end":960.8,"confidence":0.96606445,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.01743089035153389},{"word":"five","start":960.8,"end":961.04,"confidence":0.8964844,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.013660894706845284},{"word":"months","start":961.04,"end":961.54,"confidence":0.9951172,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.029857931658625603},{"word":"thank","start":965.04,"end":965.27997,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5984205603599548},{"word":"you","start":965.27997,"end":965.77997,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5236803293228149},{"word":"she's","start":966.63995,"end":966.88,"confidence":0.95410156,"punctuated_word":"She's","sentiment":"positive","sentiment_score":0.4784654974937439},{"word":"very","start":966.88,"end":967.12,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5018361806869507},{"word":"cute","start":967.12,"end":967.425,"confidence":0.97875977,"punctuated_word":"cute,","sentiment":"positive","sentiment_score":0.35546600818634033},{"word":"actually","start":973.425,"end":973.925,"confidence":1.0,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.0011086724698543549},{"word":"what","start":974.545,"end":974.785,"confidence":0.97998047,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.005701882764697075},{"word":"was","start":974.785,"end":974.945,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.016795264557003975},{"word":"that","start":974.945,"end":975.105,"confidence":0.9921875,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.0012461347505450249},{"word":"sorry","start":975.105,"end":975.605,"confidence":0.8039551,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.02414526417851448},{"word":"no","start":979.185,"end":979.65,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07170390337705612},{"word":"i","start":981.57,"end":981.73004,"confidence":0.67529297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03910849243402481},{"word":"shall","start":981.73004,"end":981.89,"confidence":0.5722656,"punctuated_word":"shall","sentiment":"neutral","sentiment_score":-0.06499393284320831},{"word":"sleep","start":981.89,"end":982.13,"confidence":0.9970703,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":-0.01544533669948578},{"word":"in","start":982.13,"end":982.29004,"confidence":0.96240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0029580965638160706},{"word":"our","start":982.29004,"end":982.37,"confidence":0.58740234,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.009269759058952332},{"word":"bed","start":982.37,"end":982.69,"confidence":0.81762695,"punctuated_word":"bed,","sentiment":"neutral","sentiment_score":0.02952965907752514},{"word":"actually","start":982.69,"end":983.17004,"confidence":0.9746094,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.003609171137213707},{"word":"or","start":983.17004,"end":983.49005,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.020375262945890427},{"word":"in","start":983.49005,"end":983.57,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01831509917974472},{"word":"my","start":983.57,"end":983.81,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01044541597366333},{"word":"arms","start":983.81,"end":984.31,"confidence":0.83740234,"punctuated_word":"arms,","sentiment":"neutral","sentiment_score":0.0358218215405941},{"word":"but","start":984.53,"end":985.03,"confidence":0.9309082,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.005767306312918663},{"word":"yeah","start":985.17004,"end":985.49005,"confidence":0.9951172,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.00594707764685154},{"word":"that's","start":985.49005,"end":985.73004,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0019648163579404354},{"word":"about","start":985.73004,"end":986.05005,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.013590328395366669},{"word":"it","start":986.05005,"end":986.55005,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02497013658285141},{"word":"yeah","start":990.21,"end":990.45,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12944641709327698},{"word":"that's","start":990.45,"end":990.69,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09636414051055908},{"word":"it","start":990.69,"end":991.09,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08316489309072495},{"word":"i","start":991.09,"end":991.25,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13274890184402466},{"word":"mean","start":991.25,"end":991.49005,"confidence":0.99560547,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.13664326071739197},{"word":"our","start":991.49005,"end":991.57,"confidence":0.9760742,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2864570617675781},{"word":"bed","start":991.57,"end":991.81,"confidence":0.9980469,"punctuated_word":"bed","sentiment":"positive","sentiment_score":0.34390735626220703},{"word":"is","start":991.81,"end":992.115,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33539557456970215},{"word":"pretty","start":992.115,"end":992.27496,"confidence":0.9248047,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.39810365438461304},{"word":"comfy","start":992.27496,"end":992.395,"confidence":0.9975586,"punctuated_word":"comfy","sentiment":"neutral","sentiment_score":0.3164001703262329},{"word":"compared","start":992.395,"end":992.515,"confidence":0.99902344,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.2775159180164337},{"word":"to","start":992.515,"end":993.015,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2629171311855316},{"word":"a","start":993.71497,"end":993.875,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21404090523719788},{"word":"pretty","start":993.875,"end":994.195,"confidence":0.7993164,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.16941651701927185},{"word":"stiff","start":994.195,"end":994.515,"confidence":0.93847656,"punctuated_word":"stiff","sentiment":"neutral","sentiment_score":0.17753450572490692},{"word":"coat","start":994.515,"end":994.83496,"confidence":0.23022461,"punctuated_word":"coat","sentiment":"neutral","sentiment_score":0.10877610743045808},{"word":"mattress","start":994.83496,"end":995.33496,"confidence":0.8703613,"punctuated_word":"mattress.","sentiment":"neutral","sentiment_score":0.11545667052268982},{"word":"can't","start":1001.955,"end":1002.27496,"confidence":0.651001,"punctuated_word":"Can't","sentiment":"neutral","sentiment_score":0.03479583561420441},{"word":"can't","start":1002.27496,"end":1002.515,"confidence":0.9807129,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.0645572692155838},{"word":"blame","start":1002.515,"end":1003.015,"confidence":0.7675781,"punctuated_word":"blame","sentiment":"neutral","sentiment_score":-0.1016683354973793},{"word":"yep","start":1030.905,"end":1031.405,"confidence":0.96875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08634000271558762},{"word":"it's","start":1051.655,"end":1051.9751,"confidence":0.58947754,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05465850234031677},{"word":"stanley","start":1051.9751,"end":1052.295,"confidence":0.24633789,"punctuated_word":"Stanley","sentiment":"neutral","sentiment_score":-0.015912361443042755},{"word":"technical","start":1052.295,"end":1052.775,"confidence":0.42529297,"punctuated_word":"technical","sentiment":"neutral","sentiment_score":-0.01831264421343803},{"word":"income","start":1052.775,"end":1053.0951,"confidence":0.9560547,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.07698891311883926},{"word":"support","start":1053.0951,"end":1053.5951,"confidence":0.8144531,"punctuated_word":"support?","sentiment":"neutral","sentiment_score":-0.031666263937950134},{"word":"really","start":1056.2151,"end":1056.7151,"confidence":0.9760742,"punctuated_word":"Really?","sentiment":"neutral","sentiment_score":-0.10802556574344636},{"word":"damn","start":1062.295,"end":1062.795,"confidence":0.95410156,"punctuated_word":"Damn.","sentiment":"neutral","sentiment_score":-0.2984507083892822},{"word":"i'm","start":1064.775,"end":1064.88,"confidence":0.72753906,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.3299229145050049},{"word":"still","start":1065.12,"end":1065.36,"confidence":0.98291016,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.3358128070831299},{"word":"gonna","start":1065.36,"end":1065.68,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3470580279827118},{"word":"have","start":1065.68,"end":1065.76,"confidence":0.9760742,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4424581527709961},{"word":"a","start":1065.76,"end":1065.84,"confidence":0.9790039,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4890338182449341},{"word":"shot","start":1065.84,"end":1066.0,"confidence":0.9921875,"punctuated_word":"shot","sentiment":"negative","sentiment_score":-0.5684558749198914},{"word":"in","start":1066.0,"end":1066.0801,"confidence":0.92089844,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.55106121301651},{"word":"the","start":1066.0801,"end":1066.16,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5062113404273987},{"word":"dark","start":1066.16,"end":1066.48,"confidence":0.74365234,"punctuated_word":"dark.","sentiment":"negative","sentiment_score":-0.3510923981666565},{"word":"or","start":1066.48,"end":1066.56,"confidence":0.67822266,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.16634202003479004},{"word":"i","start":1066.56,"end":1066.64,"confidence":0.5600586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12443630397319794},{"word":"can","start":1066.64,"end":1066.72,"confidence":0.7988281,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07672016322612762},{"word":"if","start":1066.8,"end":1066.88,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09347491711378098},{"word":"we","start":1066.88,"end":1067.04,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.17008155584335327},{"word":"actually","start":1067.04,"end":1067.36,"confidence":0.99121094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.1536714732646942},{"word":"get","start":1067.36,"end":1067.52,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15121787786483765},{"word":"in","start":1067.52,"end":1067.68,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13992269337177277},{"word":"front","start":1067.68,"end":1068.08,"confidence":0.99121094,"punctuated_word":"front","sentiment":"neutral","sentiment_score":-0.08119135349988937},{"word":"of","start":1068.08,"end":1068.32,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10329414159059525},{"word":"a","start":1068.32,"end":1068.4,"confidence":0.5517578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11043307185173036},{"word":"centrelink","start":1068.4,"end":1068.9,"confidence":0.9375,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.05339735001325607},{"word":"person","start":1069.4401,"end":1069.84,"confidence":0.9980469,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.06831522285938263},{"word":"and","start":1069.84,"end":1070.0,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07991421222686768},{"word":"just","start":1070.0,"end":1070.4,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13135164976119995},{"word":"say","start":1070.4,"end":1070.9,"confidence":0.98339844,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.12006604671478271},{"word":"hey","start":1071.04,"end":1071.54,"confidence":0.9211426,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.14633433520793915},{"word":"look","start":1071.6,"end":1071.92,"confidence":0.93481445,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.1544167697429657},{"word":"we","start":1071.92,"end":1072.42,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.29156070947647095},{"word":"owe","start":1072.64,"end":1072.88,"confidence":0.95166016,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.2168840169906616},{"word":"my","start":1072.88,"end":1072.96,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.31678372621536255},{"word":"dad","start":1072.96,"end":1073.28,"confidence":0.99121094,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.2771487236022949},{"word":"money","start":1073.28,"end":1073.78,"confidence":0.94140625,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.238023042678833},{"word":"and","start":1074.32,"end":1074.56,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16342398524284363},{"word":"i'll","start":1074.56,"end":1074.72,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.2132890522480011},{"word":"get","start":1074.72,"end":1074.96,"confidence":0.78564453,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2563075125217438},{"word":"that","start":1074.96,"end":1075.46,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.27818721532821655},{"word":"that","start":1076.08,"end":1076.32,"confidence":0.5371094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3236486315727234},{"word":"deck","start":1076.32,"end":1076.64,"confidence":0.90722656,"punctuated_word":"deck","sentiment":"neutral","sentiment_score":-0.2480698972940445},{"word":"off","start":1076.64,"end":1076.8,"confidence":0.88183594,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.25151461362838745},{"word":"him","start":1076.8,"end":1077.3,"confidence":0.9921875,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.2535337209701538},{"word":"and","start":1078.1449,"end":1078.465,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08137430250644684},{"word":"so","start":1078.465,"end":1078.965,"confidence":0.5124512,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.06773434579372406},{"word":"look","start":1079.0249,"end":1079.4249,"confidence":0.6738281,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.06927632540464401},{"word":"we","start":1079.4249,"end":1079.585,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07130279392004013},{"word":"have","start":1079.585,"end":1079.825,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06320444494485855},{"word":"this","start":1079.825,"end":1080.325,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.13679061830043793},{"word":"held","start":1080.3849,"end":1080.705,"confidence":0.9970703,"punctuated_word":"held","sentiment":"neutral","sentiment_score":-0.08846108615398407},{"word":"up","start":1080.705,"end":1081.205,"confidence":0.8676758,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.05173492804169655},{"word":"it'd","start":1081.2649,"end":1081.7649,"confidence":0.69763184,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.17067724466323853},{"word":"be","start":1081.9049,"end":1082.065,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2016964554786682},{"word":"great","start":1082.065,"end":1082.225,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.3495963513851166},{"word":"to","start":1082.225,"end":1082.725,"confidence":0.8432617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25520700216293335},{"word":"get","start":1083.585,"end":1083.9049,"confidence":0.9770508,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3074474632740021},{"word":"it","start":1083.9049,"end":1084.1449,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2744544744491577},{"word":"if","start":1084.1449,"end":1084.3849,"confidence":0.6796875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.33103010058403015},{"word":"we","start":1084.3849,"end":1084.5449,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17922261357307434},{"word":"can","start":1084.5449,"end":1084.705,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22563797235488892},{"word":"fill","start":1084.705,"end":1084.865,"confidence":0.9970703,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.13619808852672577},{"word":"out","start":1084.865,"end":1085.0249,"confidence":0.9589844,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22097693383693695},{"word":"a","start":1085.0249,"end":1085.105,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2776235342025757},{"word":"q","start":1085.105,"end":1085.345,"confidence":0.9873047,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.25744539499282837},{"word":"two","start":1085.345,"end":1085.745,"confidence":0.95947266,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1996532678604126},{"word":"thirty","start":1085.745,"end":1086.065,"confidence":0.9140625,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.21626441180706024},{"word":"form","start":1086.065,"end":1086.3049,"confidence":0.8828125,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.24488963186740875},{"word":"and","start":1086.3049,"end":1086.5449,"confidence":0.87890625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24780817329883575},{"word":"then","start":1086.5449,"end":1086.7849,"confidence":0.95410156,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.20375041663646695},{"word":"have","start":1086.7849,"end":1086.945,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19561627507209775},{"word":"you","start":1086.945,"end":1087.445,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07382063567638397},{"word":"do","start":1087.6649,"end":1087.9049,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12478895485401154},{"word":"something","start":1087.9049,"end":1088.3049,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.15293505787849426},{"word":"with","start":1088.3049,"end":1088.465,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12112374603748322},{"word":"it","start":1088.465,"end":1088.965,"confidence":0.9819336,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.18005268275737762},{"word":"yeah","start":1090.88,"end":1091.38,"confidence":0.75756836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14976173639297485},{"word":"oh","start":1097.7599,"end":1098.08,"confidence":0.94970703,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.012961460277438164},{"word":"okay","start":1098.08,"end":1098.48,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04031139984726906},{"word":"yep","start":1098.48,"end":1098.98,"confidence":0.9753418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0953243523836136},{"word":"okay","start":1105.175,"end":1105.675,"confidence":0.94018555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0569290965795517},{"word":"oh","start":1112.375,"end":1112.875,"confidence":0.81103516,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.025494614616036415},{"word":"yep","start":1113.175,"end":1113.675,"confidence":0.8614909,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.0275307334959507},{"word":"yep","start":1131.815,"end":1132.315,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04233019798994064},{"word":"yep","start":1141.655,"end":1142.155,"confidence":0.75927734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1808190196752548},{"word":"yeah","start":1146.455,"end":1146.87,"confidence":0.76831055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09130901098251344},{"word":"yep","start":1165.985,"end":1166.485,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22276157140731812},{"word":"yeah","start":1190.1799,"end":1190.6799,"confidence":0.8659668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03044259175658226},{"word":"and","start":1190.935,"end":1191.255,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.00039089471101760864},{"word":"i'd","start":1191.255,"end":1191.495,"confidence":0.9875488,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.08568796515464783},{"word":"like","start":1191.495,"end":1191.655,"confidence":0.9941406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09483014047145844},{"word":"to","start":1191.655,"end":1191.8151,"confidence":0.48388672,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0827106237411499},{"word":"be","start":1191.8151,"end":1191.975,"confidence":0.50146484,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13020139932632446},{"word":"with","start":1191.975,"end":1192.295,"confidence":0.78808594,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.15892989933490753},{"word":"hub","start":1192.295,"end":1192.535,"confidence":0.59765625,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":-0.08641594648361206},{"word":"twenty","start":1192.535,"end":1192.6951,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.11765745282173155},{"word":"four","start":1192.6951,"end":1193.015,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.09755673259496687},{"word":"as","start":1193.015,"end":1193.175,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07096853852272034},{"word":"well","start":1193.175,"end":1193.675,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.07730576395988464},{"word":"nah","start":1194.855,"end":1195.255,"confidence":0.7336426,"punctuated_word":"Nah.","sentiment":"neutral","sentiment_score":-0.005844682455062866},{"word":"i","start":1195.255,"end":1195.3351,"confidence":0.60498047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02853330969810486},{"word":"like","start":1195.3351,"end":1195.5751,"confidence":0.7241211,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.105446457862854},{"word":"being","start":1195.5751,"end":1195.8151,"confidence":0.8598633,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.044170621782541275},{"word":"with","start":1195.8151,"end":1195.895,"confidence":0.9536133,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06728608906269073},{"word":"hub","start":1195.895,"end":1196.135,"confidence":0.9838867,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.07023129612207413},{"word":"twenty","start":1196.135,"end":1196.4551,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.0804414451122284},{"word":"four","start":1196.4551,"end":1196.9551,"confidence":0.9995117,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.04324214160442352},{"word":"oh","start":1197.095,"end":1197.595,"confidence":0.98291016,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0957024097442627},{"word":"okay","start":1201.3351,"end":1201.8351,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10324501991271973},{"word":"yeah","start":1217.78,"end":1218.28,"confidence":0.9741211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01773248426616192},{"word":"i","start":1218.74,"end":1219.065,"confidence":0.9375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027173765003681183},{"word":"can","start":1219.065,"end":1219.3049,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0022077374160289764},{"word":"hear","start":1219.3049,"end":1219.8049,"confidence":0.9980469,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.01534922420978546},{"word":"it","start":1224.625,"end":1225.125,"confidence":0.99365234,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02401365153491497},{"word":"a","start":1229.945,"end":1230.105,"confidence":0.88183594,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.09358958154916765},{"word":"massive","start":1230.105,"end":1230.5049,"confidence":0.99609375,"punctuated_word":"massive","sentiment":"neutral","sentiment_score":-0.27689093351364136},{"word":"amount","start":1230.5049,"end":1230.825,"confidence":0.9819336,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.03833907097578049},{"word":"yeah","start":1230.825,"end":1231.065,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015873240306973457},{"word":"it's","start":1231.065,"end":1231.1449,"confidence":0.8869629,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01785152778029442},{"word":"not","start":1231.1449,"end":1231.3049,"confidence":0.97998047,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11372756212949751},{"word":"like","start":1231.3049,"end":1231.3849,"confidence":0.9614258,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.17103731632232666},{"word":"there's","start":1231.3849,"end":1231.625,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.22488681972026825},{"word":"a","start":1231.625,"end":1231.705,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15850123763084412},{"word":"100","start":1231.705,"end":1232.0249,"confidence":0.99902344,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.16375789046287537},{"word":"k's","start":1232.0249,"end":1232.37,"confidence":0.79248047,"punctuated_word":"k's","sentiment":"neutral","sentiment_score":-0.12437392771244048},{"word":"in","start":1232.37,"end":1232.87,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12325703352689744},{"word":"there","start":1239.8926,"end":1240.3926,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.46458274126052856},{"word":"well","start":1275.0751,"end":1275.3151,"confidence":0.986084,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0633702427148819},{"word":"that","start":1275.3151,"end":1275.4751,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1060197502374649},{"word":"was","start":1275.4751,"end":1275.9751,"confidence":0.7487793,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.05093696713447571},{"word":"yeah","start":1277.795,"end":1278.1951,"confidence":0.9951172,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2615711987018585},{"word":"that","start":1278.1951,"end":1278.3551,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3967073857784271},{"word":"was","start":1278.3551,"end":1278.675,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3543713092803955},{"word":"my","start":1278.675,"end":1279.175,"confidence":0.9526367,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.584690272808075},{"word":"absolute","start":1279.395,"end":1279.875,"confidence":0.984375,"punctuated_word":"absolute","sentiment":"positive","sentiment_score":0.5275524854660034},{"word":"plan","start":1279.875,"end":1280.1151,"confidence":0.6199951,"punctuated_word":"plan.","sentiment":"positive","sentiment_score":0.5355375409126282},{"word":"being","start":1280.1151,"end":1280.3551,"confidence":0.24682617,"punctuated_word":"Being","sentiment":"positive","sentiment_score":0.572500467300415},{"word":"able","start":1280.3551,"end":1280.515,"confidence":0.9951172,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5778179168701172},{"word":"to","start":1280.515,"end":1281.015,"confidence":0.9135742,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6527347564697266},{"word":"open","start":1281.4751,"end":1281.795,"confidence":0.80810547,"punctuated_word":"open","sentiment":"positive","sentiment_score":0.5932984352111816},{"word":"up","start":1281.795,"end":1281.9551,"confidence":0.9941406,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6359163522720337},{"word":"the","start":1281.9551,"end":1282.1151,"confidence":0.9116211,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6610844731330872},{"word":"huddl","start":1282.1151,"end":1282.515,"confidence":0.6333008,"punctuated_word":"Huddl","sentiment":"positive","sentiment_score":0.5791933536529541},{"word":"twenty","start":1282.515,"end":1282.8351,"confidence":0.9921875,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.5911418199539185},{"word":"four","start":1282.8351,"end":1283.0751,"confidence":0.9970703,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.5473732948303223},{"word":"account","start":1283.0751,"end":1283.4751,"confidence":0.98828125,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.5213887691497803},{"word":"for","start":1283.4751,"end":1283.7151,"confidence":0.9316406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6396047472953796},{"word":"her","start":1283.7151,"end":1284.2151,"confidence":0.87109375,"punctuated_word":"her,","sentiment":"positive","sentiment_score":0.5097050070762634},{"word":"and","start":1284.8351,"end":1285.3351,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4688117206096649},{"word":"i","start":1285.395,"end":1285.8,"confidence":0.85546875,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4681690037250519},{"word":"do","start":1286.3601,"end":1286.68,"confidence":0.9147949,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.19280287623405457},{"word":"like","start":1286.68,"end":1287.16,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15391191840171814},{"word":"a","start":1287.16,"end":1287.3201,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22538316249847412},{"word":"a","start":1287.3201,"end":1287.4801,"confidence":0.8828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2359783351421356},{"word":"weekly","start":1287.4801,"end":1287.9801,"confidence":0.939209,"punctuated_word":"weekly,","sentiment":"neutral","sentiment_score":0.18431293964385984},{"word":"i","start":1288.3601,"end":1288.4401,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1665511131286621},{"word":"don't","start":1288.4401,"end":1288.6001,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.10073930025100708},{"word":"know","start":1288.6001,"end":1288.8401,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12549737095832825},{"word":"$50,100","start":1288.8401,"end":1289.4,"confidence":0.9213867,"punctuated_word":"$50,100","sentiment":"neutral","sentiment_score":0.26943954825401306},{"word":"dollar","start":1289.4,"end":1289.9,"confidence":0.99609375,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.26525112986564636},{"word":"top","start":1290.3601,"end":1290.6001,"confidence":0.5800781,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.369669109582901},{"word":"up","start":1290.6001,"end":1291.1001,"confidence":0.9941406,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3916122913360596},{"word":"to","start":1291.16,"end":1291.4,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3651551902294159},{"word":"keep","start":1291.4,"end":1291.56,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3856810331344605},{"word":"it","start":1291.56,"end":1291.8,"confidence":0.9902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.384692907333374},{"word":"going","start":1291.8,"end":1292.2001,"confidence":0.6907959,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.3242259621620178},{"word":"and","start":1292.2001,"end":1292.4401,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1084531396627426},{"word":"then","start":1292.4401,"end":1292.9401,"confidence":0.9309082,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.08713866770267487},{"word":"yeah","start":1293.16,"end":1293.66,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09714578092098236},{"word":"transfer","start":1295.0,"end":1295.4,"confidence":0.9980469,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.0911715179681778},{"word":"that","start":1295.4,"end":1295.7201,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0631282702088356},{"word":"7","start":1295.7201,"end":1296.04,"confidence":0.9970703,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.053816668689250946},{"word":"or","start":1296.04,"end":1296.12,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08796010166406631},{"word":"8","start":1296.12,"end":1296.3601,"confidence":0.9941406,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.04288595542311669},{"word":"grand","start":1296.3601,"end":1296.6001,"confidence":0.95947266,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":0.12420088052749634},{"word":"into","start":1296.6001,"end":1296.8401,"confidence":0.97314453,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1487819403409958},{"word":"that","start":1296.8401,"end":1297.3401,"confidence":0.9916992,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12034885585308076},{"word":"yep","start":1307.575,"end":1308.075,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16272714734077454},{"word":"yep","start":1317.73,"end":1318.23,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.003335222601890564},{"word":"yeah","start":1347.85,"end":1348.35,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23333516716957092},{"word":"k","start":1348.41,"end":1348.91,"confidence":0.80566406,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.14287173748016355},{"word":"that's","start":1375.02,"end":1375.1799,"confidence":0.857666,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21224531531333923},{"word":"the","start":1375.1799,"end":1375.34,"confidence":0.7944336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21994875371456143},{"word":"tax","start":1375.34,"end":1375.58,"confidence":0.98095703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.25610700249671936},{"word":"rebate","start":1375.58,"end":1376.08,"confidence":0.86376953,"punctuated_word":"rebate.","sentiment":"neutral","sentiment_score":0.19894246757030487},{"word":"yep","start":1379.74,"end":1380.24,"confidence":0.70495605,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21032598614692688},{"word":"yep","start":1399.7,"end":1400.2,"confidence":0.97680664,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3536562919616699},{"word":"yep","start":1415.5951,"end":1416.0951,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.318236380815506},{"word":"yep","start":1424.81,"end":1425.31,"confidence":0.8269043,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5072957277297974},{"word":"well","start":1441.215,"end":1441.455,"confidence":0.99072266,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.07841607183218002},{"word":"i'm","start":1441.455,"end":1441.615,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06675980985164642},{"word":"thinking","start":1441.615,"end":1441.935,"confidence":0.9951172,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.0858033299446106},{"word":"out","start":1441.935,"end":1442.175,"confidence":0.73291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1043730303645134},{"word":"loud","start":1442.175,"end":1442.415,"confidence":0.9970703,"punctuated_word":"loud","sentiment":"neutral","sentiment_score":0.07501408457756042},{"word":"because","start":1442.415,"end":1442.915,"confidence":0.9460449,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.06583207845687866},{"word":"like","start":1445.135,"end":1445.375,"confidence":0.85253906,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0829627588391304},{"word":"my","start":1445.375,"end":1445.455,"confidence":0.9863281,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06299558281898499},{"word":"salary","start":1445.455,"end":1445.855,"confidence":0.9980469,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.09603650867938995},{"word":"goes","start":1445.855,"end":1446.175,"confidence":0.9921875,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.10586129128932951},{"word":"up","start":1446.175,"end":1446.335,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1149549037218094},{"word":"every","start":1446.335,"end":1446.575,"confidence":0.99609375,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.08036696910858154},{"word":"year","start":1446.575,"end":1447.075,"confidence":0.94750977,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06341006606817245},{"word":"so","start":1447.215,"end":1447.715,"confidence":0.8984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05703320354223251},{"word":"once","start":1448.1499,"end":1448.23,"confidence":0.9291992,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.09152930974960329},{"word":"i","start":1448.23,"end":1448.47,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06623455882072449},{"word":"hit","start":1448.47,"end":1448.5499,"confidence":0.97314453,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.09979797154664992},{"word":"that","start":1448.5499,"end":1448.7899,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0935705155134201},{"word":"$1","start":1448.7899,"end":1449.61,"confidence":0.58361816,"punctuated_word":"$1,","sentiment":"neutral","sentiment_score":0.06828978657722473},{"word":"that","start":1451.11,"end":1451.35,"confidence":0.9589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07395441085100174},{"word":"$1","start":1451.35,"end":1451.99,"confidence":0.9941406,"punctuated_word":"$1","sentiment":"neutral","sentiment_score":0.06966428458690643},{"word":"and","start":1451.99,"end":1452.23,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.047224387526512146},{"word":"$3","start":1452.23,"end":1453.0499,"confidence":0.9904785,"punctuated_word":"$3,","sentiment":"neutral","sentiment_score":0.042349908500909805},{"word":"is","start":1453.11,"end":1453.35,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004092078655958176},{"word":"that","start":1453.35,"end":1453.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00949348881840706},{"word":"does","start":1453.75,"end":1453.99,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.021106965839862823},{"word":"it","start":1453.99,"end":1454.07,"confidence":0.9316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.018295787274837497},{"word":"have","start":1454.07,"end":1454.23,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01625506579875946},{"word":"to","start":1454.23,"end":1454.3099,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01125314086675644},{"word":"be","start":1454.3099,"end":1454.3899,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007078357040882111},{"word":"done","start":1454.3899,"end":1454.5499,"confidence":0.99316406,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.00832696259021759},{"word":"in","start":1454.5499,"end":1454.71,"confidence":0.6821289,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01268422231078148},{"word":"the","start":1454.71,"end":1454.87,"confidence":0.8457031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012739192694425585},{"word":"lump","start":1454.87,"end":1455.11,"confidence":0.9941406,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.04674144089221954},{"word":"sum","start":1455.11,"end":1455.2699,"confidence":0.8688965,"punctuated_word":"sum,","sentiment":"neutral","sentiment_score":0.04335721582174301},{"word":"or","start":1455.2699,"end":1455.4299,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.002935558557510376},{"word":"can","start":1455.4299,"end":1455.59,"confidence":0.9819336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.005184188485145569},{"word":"it","start":1455.59,"end":1455.75,"confidence":0.9277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022815078496932983},{"word":"be","start":1455.75,"end":1456.25,"confidence":0.9460449,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.0064780134707689285},{"word":"like","start":1456.3099,"end":1456.63,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0019474662840366364},{"word":"over","start":1456.63,"end":1456.87,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03448725491762161},{"word":"the","start":1456.87,"end":1456.95,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00795113667845726},{"word":"year","start":1456.95,"end":1457.2699,"confidence":0.92211914,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.005298346281051636},{"word":"like","start":1457.2699,"end":1457.4299,"confidence":0.88427734,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.01712151989340782},{"word":"can","start":1457.4299,"end":1457.6699,"confidence":0.8881836,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03806336969137192},{"word":"i","start":1457.6699,"end":1457.75,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024398215115070343},{"word":"do","start":1457.75,"end":1457.9099,"confidence":0.94262695,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.04411078244447708},{"word":"like","start":1457.9099,"end":1458.23,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08632792532444},{"word":"a","start":1458.23,"end":1458.3899,"confidence":0.8935547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013177737593650818},{"word":"pretty","start":1458.3899,"end":1458.63,"confidence":0.4975586,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.02721281349658966},{"word":"what","start":1460.3899,"end":1460.5499,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03924603760242462},{"word":"do","start":1460.5499,"end":1460.7899,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.049896709620952606},{"word":"you","start":1460.7899,"end":1460.87,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030386369675397873},{"word":"call","start":1460.87,"end":1461.11,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.03953307867050171},{"word":"it","start":1461.11,"end":1461.61,"confidence":0.87158203,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.03813095763325691},{"word":"pretax","start":1462.1499,"end":1462.6499,"confidence":0.7399089,"punctuated_word":"Pretax.","sentiment":"neutral","sentiment_score":-0.047602057456970215},{"word":"yeah","start":1465.055,"end":1465.555,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017441924661397934},{"word":"oh","start":1467.135,"end":1467.635,"confidence":0.86938477,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02360648661851883},{"word":"okay","start":1469.535,"end":1470.035,"confidence":0.6557617,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.15478965640068054},{"word":"yep","start":1485.57,"end":1486.07,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16233423352241516},{"word":"yeah","start":1521.885,"end":1522.125,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10346262156963348},{"word":"because","start":1522.125,"end":1522.525,"confidence":0.85839844,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.07410421967506409},{"word":"i'm","start":1522.525,"end":1522.605,"confidence":0.9025879,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0924425646662712},{"word":"thinking","start":1522.605,"end":1522.925,"confidence":0.40734863,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":0.10412390530109406},{"word":"well","start":1522.925,"end":1523.085,"confidence":0.8708496,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.10613119602203368},{"word":"i","start":1523.085,"end":1523.165,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12107209116220474},{"word":"could","start":1523.165,"end":1523.3251,"confidence":0.7089844,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.13603174686431885},{"word":"do","start":1523.3251,"end":1523.485,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10878607630729677},{"word":"the","start":1523.485,"end":1523.645,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0996236652135849},{"word":"personal","start":1523.645,"end":1524.145,"confidence":0.8791504,"punctuated_word":"personal,","sentiment":"neutral","sentiment_score":0.08148229122161865},{"word":"you","start":1524.2051,"end":1524.4451,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05920576676726341},{"word":"know","start":1524.4451,"end":1524.9451,"confidence":0.984375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05104951560497284},{"word":"month's","start":1525.005,"end":1525.3251,"confidence":0.28704834,"punctuated_word":"month's","sentiment":"neutral","sentiment_score":0.06283856928348541},{"word":"not","start":1525.3251,"end":1525.485,"confidence":0.7109375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.040847573429346085},{"word":"the","start":1525.485,"end":1525.725,"confidence":0.26953125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03055256605148315},{"word":"baby","start":1525.725,"end":1526.225,"confidence":0.4609375,"punctuated_word":"baby,","sentiment":"neutral","sentiment_score":0.03776269033551216},{"word":"and","start":1526.765,"end":1527.005,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05240735039114952},{"word":"then","start":1527.005,"end":1527.165,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.074649378657341},{"word":"the","start":1527.165,"end":1527.245,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06026845425367355},{"word":"$3","start":1527.245,"end":1528.0651,"confidence":0.9869385,"punctuated_word":"$3.","sentiment":"neutral","sentiment_score":0.04599308222532272},{"word":"i'm","start":1528.605,"end":1528.845,"confidence":0.6245117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2006952613592148},{"word":"actually","start":1528.845,"end":1529.165,"confidence":0.5473633,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.2007739096879959},{"word":"out","start":1529.165,"end":1529.3251,"confidence":0.32177734,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1907786875963211},{"word":"of","start":1529.3251,"end":1529.405,"confidence":0.9165039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2166787087917328},{"word":"the","start":1529.405,"end":1529.5651,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18363282084465027},{"word":"account","start":1529.5651,"end":1529.885,"confidence":0.99316406,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.2565985918045044},{"word":"at","start":1529.885,"end":1530.045,"confidence":0.8364258,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23378992080688477},{"word":"work","start":1530.045,"end":1530.525,"confidence":0.9921875,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2567962408065796},{"word":"if","start":1530.525,"end":1531.005,"confidence":0.8881836,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19025066494941711},{"word":"you","start":1531.005,"end":1531.165,"confidence":0.8359375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1694805473089218},{"word":"put","start":1531.165,"end":1531.5651,"confidence":0.87158203,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.10525969415903091},{"word":"two","start":1531.5651,"end":1532.0651,"confidence":0.9838867,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.17646819353103638},{"word":"super","start":1533.085,"end":1533.5651,"confidence":0.87353516,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.12203708291053772},{"word":"funds","start":1533.5651,"end":1533.965,"confidence":0.9111328,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.08742112666368484},{"word":"on","start":1533.965,"end":1534.26,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12861835956573486},{"word":"the","start":1534.42,"end":1534.58,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1243085116147995},{"word":"payslip","start":1534.58,"end":1535.08,"confidence":0.79956055,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":-0.10183459520339966},{"word":"and","start":1535.14,"end":1535.3,"confidence":0.61376953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1359233260154724},{"word":"then","start":1535.3,"end":1535.62,"confidence":0.7663574,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.11211583018302916},{"word":"obviously","start":1535.62,"end":1536.1,"confidence":0.99609375,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.13798657059669495},{"word":"just","start":1536.1,"end":1536.58,"confidence":0.7182617,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1378190815448761},{"word":"give","start":1536.58,"end":1536.8201,"confidence":0.44799805,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.1623491197824478},{"word":"the","start":1536.8201,"end":1536.98,"confidence":0.59765625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0989983081817627},{"word":"amount","start":1536.98,"end":1537.38,"confidence":0.8383789,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.12721611559391022},{"word":"so","start":1537.38,"end":1537.62,"confidence":0.9289551,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.051987174898386},{"word":"like","start":1537.62,"end":1537.78,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0004608333110809326},{"word":"whatever","start":1537.78,"end":1538.26,"confidence":0.94970703,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.03262767195701599},{"word":"my","start":1538.26,"end":1538.42,"confidence":0.5996094,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.010485008358955383},{"word":"super","start":1538.42,"end":1538.74,"confidence":0.90625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.027457401156425476},{"word":"is","start":1538.74,"end":1538.9,"confidence":0.9326172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015971951186656952},{"word":"per","start":1538.9,"end":1539.14,"confidence":0.890625,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.05529942363500595},{"word":"week","start":1539.14,"end":1539.64,"confidence":0.76220703,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.015655558556318283},{"word":"and","start":1539.7,"end":1539.86,"confidence":0.31848145,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.019310370087623596},{"word":"you","start":1539.86,"end":1539.9401,"confidence":0.7817383,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05919644981622696},{"word":"know","start":1539.9401,"end":1540.1,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08309949934482574},{"word":"i","start":1540.1,"end":1540.18,"confidence":0.4621582,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05841728299856186},{"word":"can","start":1540.18,"end":1540.34,"confidence":0.49267578,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.00022404640913009644},{"word":"split","start":1540.34,"end":1540.58,"confidence":0.9892578,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.020631954073905945},{"word":"up","start":1540.58,"end":1540.74,"confidence":0.9633789,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04003072530031204},{"word":"into","start":1540.74,"end":1541.24,"confidence":0.31225586,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.007662191987037659},{"word":"like","start":1542.18,"end":1542.42,"confidence":0.9794922,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0521695651113987},{"word":"majority","start":1542.42,"end":1542.8201,"confidence":0.78759766,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":-0.049850791692733765},{"word":"would","start":1542.8201,"end":1542.98,"confidence":0.9580078,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03941645473241806},{"word":"go","start":1542.98,"end":1543.14,"confidence":0.9892578,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.048342011868953705},{"word":"into","start":1543.14,"end":1543.38,"confidence":0.7109375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.028225570917129517},{"word":"one","start":1543.38,"end":1543.54,"confidence":0.7963867,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13815464079380035},{"word":"super","start":1543.54,"end":1543.78,"confidence":0.65283203,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.04595894366502762},{"word":"fund","start":1543.78,"end":1544.02,"confidence":0.9326172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.03804674744606018},{"word":"and","start":1544.02,"end":1544.5,"confidence":0.78564453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05453288555145264},{"word":"then","start":1544.5,"end":1545.0,"confidence":0.62890625,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.019209109246730804},{"word":"whatever","start":1545.38,"end":1545.7,"confidence":0.8071289,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.06137489527463913},{"word":"needs","start":1545.7,"end":1546.02,"confidence":0.4597168,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.04236989468336105},{"word":"to","start":1546.02,"end":1546.1,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09408125281333923},{"word":"trickle","start":1546.1,"end":1546.34,"confidence":0.89501953,"punctuated_word":"trickle","sentiment":"neutral","sentiment_score":-0.04958900064229965},{"word":"into","start":1546.34,"end":1546.58,"confidence":0.8100586,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.05039039999246597},{"word":"the","start":1546.58,"end":1546.74,"confidence":0.29760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08620014041662216},{"word":"to","start":1546.74,"end":1546.9,"confidence":0.4260254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08024762570858002},{"word":"make","start":1546.9,"end":1547.295,"confidence":0.9892578,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.039741151034832},{"word":"birthday","start":1547.4551,"end":1547.775,"confidence":0.09741211,"punctuated_word":"birthday","sentiment":"neutral","sentiment_score":0.07198482751846313},{"word":"grandpa","start":1547.775,"end":1548.275,"confidence":0.45263672,"punctuated_word":"grandpa","sentiment":"neutral","sentiment_score":0.11543121188879012},{"word":"week","start":1555.375,"end":1555.875,"confidence":0.83496094,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.0010040849447250366},{"word":"yep","start":1581.235,"end":1581.735,"confidence":0.87158203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10795396566390993},{"word":"oh","start":1585.715,"end":1585.965,"confidence":0.8232422,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.007297676056623459},{"word":"actually","start":1585.965,"end":1586.465,"confidence":0.9086914,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.017728140577673912},{"word":"yeah","start":1589.55,"end":1589.87,"confidence":0.57055664,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03149343281984329},{"word":"yeah","start":1589.87,"end":1589.95,"confidence":0.8203125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008467467501759529},{"word":"no","start":1589.95,"end":1590.1901,"confidence":0.9758301,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2656869888305664},{"word":"so","start":1590.1901,"end":1590.43,"confidence":0.9707031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2861596345901489},{"word":"12.5","start":1590.43,"end":1591.23,"confidence":0.99450684,"punctuated_word":"12.5","sentiment":"neutral","sentiment_score":-0.19136729836463928},{"word":"would","start":1591.23,"end":1591.47,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2632373869419098},{"word":"have","start":1591.47,"end":1591.71,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2630808353424072},{"word":"to","start":1591.71,"end":1591.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.310981810092926},{"word":"be","start":1591.79,"end":1592.29,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1934165358543396},{"word":"solely","start":1592.51,"end":1592.91,"confidence":0.9863281,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":-0.15286937355995178},{"word":"into","start":1592.91,"end":1593.23,"confidence":0.8613281,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.14416563510894775},{"word":"wine","start":1593.23,"end":1593.55,"confidence":0.82543945,"punctuated_word":"wine.","sentiment":"neutral","sentiment_score":-0.19772019982337952},{"word":"so","start":1593.55,"end":1593.87,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2376454770565033},{"word":"if","start":1593.87,"end":1594.03,"confidence":0.8354492,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.251512736082077},{"word":"anything","start":1594.03,"end":1594.43,"confidence":0.78222656,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.27936017513275146},{"word":"it's","start":1594.43,"end":1594.59,"confidence":0.90185547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.30058249831199646},{"word":"gonna","start":1594.59,"end":1594.83,"confidence":0.98535156,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3583509922027588},{"word":"be","start":1594.83,"end":1594.99,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.274733304977417},{"word":"a","start":1594.99,"end":1595.15,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32417500019073486},{"word":"salary","start":1595.15,"end":1595.65,"confidence":0.9921875,"punctuated_word":"salary","sentiment":"negative","sentiment_score":-0.387854278087616},{"word":"sacrifice","start":1595.71,"end":1596.21,"confidence":0.96875,"punctuated_word":"sacrifice","sentiment":"negative","sentiment_score":-0.4097777605056762},{"word":"after","start":1596.27,"end":1596.59,"confidence":0.8730469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.28950145840644836},{"word":"that","start":1596.59,"end":1596.83,"confidence":0.8964844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2694786787033081},{"word":"which","start":1596.83,"end":1597.07,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.24463683366775513},{"word":"one","start":1597.07,"end":1597.23,"confidence":0.6118164,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.20000596344470975},{"word":"i'm","start":1597.23,"end":1597.31,"confidence":0.9465332,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11481349170207976},{"word":"okay","start":1597.31,"end":1597.63,"confidence":0.9970703,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.07230234146118164},{"word":"with","start":1597.63,"end":1598.13,"confidence":0.9914551,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.1621704399585724},{"word":"no","start":1612.755,"end":1612.915,"confidence":0.84521484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.30070263147354126},{"word":"no","start":1612.915,"end":1613.0751,"confidence":0.954834,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.3178030848503113},{"word":"that's","start":1613.0751,"end":1613.3151,"confidence":0.9616699,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.18310821056365967},{"word":"basically","start":1613.3151,"end":1613.7151,"confidence":0.53271484,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.18327432870864868},{"word":"possible","start":1613.7151,"end":1614.2151,"confidence":0.9099121,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.2047427594661713},{"word":"yeah","start":1663.225,"end":1663.725,"confidence":0.81884766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05081717297434807},{"word":"yeah","start":1676.87,"end":1677.37,"confidence":0.8666992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01741372048854828},{"word":"okay","start":1681.99,"end":1682.49,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06469327956438065},{"word":"alright","start":1683.67,"end":1684.17,"confidence":0.953125,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.09747755527496338},{"word":"well","start":1684.3099,"end":1684.8099,"confidence":0.9736328,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.07483451068401337},{"word":"i'll","start":1685.03,"end":1685.19,"confidence":0.7890625,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10326457023620604},{"word":"be","start":1685.19,"end":1685.27,"confidence":0.9770508,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10987575352191924},{"word":"yeah","start":1687.83,"end":1688.23,"confidence":0.98657227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0902690291404724},{"word":"i'll","start":1688.23,"end":1688.47,"confidence":0.96655273,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06329594552516937},{"word":"probably","start":1688.47,"end":1688.835,"confidence":0.94628906,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.058803822845220566},{"word":"have","start":1688.835,"end":1688.995,"confidence":0.7841797,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03666181489825249},{"word":"you","start":1688.995,"end":1689.075,"confidence":0.85058594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03348224610090256},{"word":"just","start":1689.075,"end":1689.575,"confidence":0.90527344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.032521575689315796},{"word":"done","start":1689.875,"end":1690.375,"confidence":0.7314453,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.032972440123558044},{"word":"yeah","start":1691.395,"end":1691.5549,"confidence":0.91137695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05882597714662552},{"word":"i'm","start":1691.5549,"end":1691.635,"confidence":0.64245605,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07196784764528275},{"word":"gonna","start":1691.635,"end":1691.875,"confidence":0.9375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08276887983083725},{"word":"pay","start":1691.875,"end":1692.0349,"confidence":0.98535156,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08873251080513},{"word":"fortnightly","start":1692.0349,"end":1692.5349,"confidence":0.95198566,"punctuated_word":"fortnightly.","sentiment":"neutral","sentiment_score":0.0676620602607727},{"word":"not","start":1727.735,"end":1727.9751,"confidence":0.5390625,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.18590740859508512},{"word":"really","start":1727.9751,"end":1728.4551,"confidence":0.99658203,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.2003430426120758},{"word":"like","start":1728.4551,"end":1728.8551,"confidence":0.98876953,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.15598297119140625},{"word":"i'm","start":1728.8551,"end":1729.015,"confidence":0.9753418,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12802435457706451},{"word":"mostly","start":1729.015,"end":1729.495,"confidence":0.62158203,"punctuated_word":"mostly","sentiment":"neutral","sentiment_score":-0.049901723861694336},{"word":"thinking","start":1729.495,"end":1729.895,"confidence":0.99121094,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.042200252413749695},{"word":"long","start":1729.895,"end":1730.135,"confidence":0.9941406,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.016080081462860107},{"word":"term","start":1730.135,"end":1730.375,"confidence":0.8833008,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.024856679141521457},{"word":"like","start":1730.375,"end":1730.615,"confidence":0.98779297,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01775437220931053},{"word":"if","start":1730.615,"end":1730.775,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09065331518650056},{"word":"i'm","start":1730.775,"end":1731.015,"confidence":0.98950195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.048293761909008026},{"word":"doing","start":1731.015,"end":1731.515,"confidence":0.9572754,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.0059442296624183655},{"word":"say","start":1731.5751,"end":1731.895,"confidence":0.9863281,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.029606621712446213},{"word":"a","start":1731.895,"end":1732.055,"confidence":0.45141602,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06532087177038193},{"word":"150","start":1732.055,"end":1732.775,"confidence":0.8753255,"punctuated_word":"150","sentiment":"neutral","sentiment_score":0.06564431637525558},{"word":"or","start":1732.775,"end":1732.8551,"confidence":0.94921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02079278975725174},{"word":"200","start":1732.8551,"end":1733.31,"confidence":0.8798828,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.06533874571323395},{"word":"per","start":1733.7101,"end":1733.79,"confidence":0.5493164,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.07124848663806915},{"word":"fortnight","start":1733.79,"end":1734.27,"confidence":0.9748535,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.030095307156443596},{"word":"which","start":1734.27,"end":1734.77,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10398919135332108},{"word":"is","start":1735.0701,"end":1735.15,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09821737557649612},{"word":"affordable","start":1735.15,"end":1735.65,"confidence":0.99902344,"punctuated_word":"affordable","sentiment":"neutral","sentiment_score":0.0933847576379776},{"word":"over","start":1736.1901,"end":1736.6901,"confidence":0.8378906,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.16170816123485565},{"word":"gosh","start":1737.39,"end":1737.89,"confidence":0.9628906,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":0.03847701847553253},{"word":"by","start":1738.91,"end":1739.15,"confidence":0.7890625,"punctuated_word":"By","sentiment":"neutral","sentiment_score":-0.04673759639263153},{"word":"the","start":1739.15,"end":1739.2301,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008391402661800385},{"word":"time","start":1739.2301,"end":1739.4701,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.002215638756752014},{"word":"we","start":1739.4701,"end":1739.7101,"confidence":0.9707031,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03993597626686096},{"word":"retire","start":1739.7101,"end":1740.2101,"confidence":0.8857422,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":-0.02940988168120384},{"word":"which","start":1740.27,"end":1740.51,"confidence":0.5205078,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.03411870449781418},{"word":"is","start":1740.51,"end":1740.67,"confidence":0.37109375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00028076767921447754},{"word":"funny","start":1740.67,"end":1741.17,"confidence":0.48010254,"punctuated_word":"funny.","sentiment":"neutral","sentiment_score":0.009216271340847015},{"word":"yeah","start":1747.035,"end":1747.275,"confidence":0.6784668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12865491211414337},{"word":"so","start":1747.275,"end":1747.4349,"confidence":0.61376953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17328345775604248},{"word":"if","start":1747.4349,"end":1747.595,"confidence":0.81640625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19892731308937073},{"word":"we","start":1747.595,"end":1747.755,"confidence":0.7636719,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18604785203933716},{"word":"did","start":1747.755,"end":1747.915,"confidence":0.9921875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1384781002998352},{"word":"60","start":1747.915,"end":1748.315,"confidence":0.73706055,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.1545928716659546},{"word":"so","start":1748.315,"end":1748.395,"confidence":0.984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06977096945047379},{"word":"there's","start":1748.395,"end":1748.635,"confidence":0.9890137,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10287275165319444},{"word":"another","start":1748.635,"end":1749.035,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.09634559601545334},{"word":"thirty","start":1749.035,"end":1749.275,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.12476042658090591},{"word":"years","start":1749.275,"end":1749.515,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.12118101119995116},{"word":"of","start":1749.515,"end":1749.6749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11977963149547576},{"word":"investment","start":1749.6749,"end":1750.1749,"confidence":0.83740234,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.06593171507120132},{"word":"which","start":1750.635,"end":1751.135,"confidence":0.9350586,"punctuated_word":"which,","sentiment":"neutral","sentiment_score":0.07381299138069153},{"word":"you","start":1751.595,"end":1751.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04512427002191544},{"word":"know","start":1751.755,"end":1751.915,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05349567532539368},{"word":"we","start":1751.915,"end":1752.155,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11058270186185835},{"word":"have","start":1752.155,"end":1752.315,"confidence":0.8510742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10856899619102478},{"word":"two","start":1752.315,"end":1752.475,"confidence":0.984375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08937129378318787},{"word":"super","start":1752.475,"end":1752.7949,"confidence":0.7675781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13831108808517456},{"word":"accounts","start":1752.7949,"end":1753.035,"confidence":0.89819336,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.10112467408180235},{"word":"obviously","start":1753.035,"end":1753.4349,"confidence":0.9838867,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.049329228699207306},{"word":"hers","start":1753.4349,"end":1753.6749,"confidence":0.82666016,"punctuated_word":"hers","sentiment":"neutral","sentiment_score":0.04973775893449783},{"word":"is","start":1753.6749,"end":1753.755,"confidence":0.8095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02600836753845215},{"word":"gonna","start":1753.755,"end":1753.995,"confidence":0.9589844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03385265916585922},{"word":"be","start":1753.995,"end":1754.075,"confidence":0.9863281,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05924089252948761},{"word":"a","start":1754.075,"end":1754.155,"confidence":0.91259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05021416395902634},{"word":"bit","start":1754.155,"end":1754.315,"confidence":0.9506836,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.004221275448799133},{"word":"as","start":1754.315,"end":1754.475,"confidence":0.12286377,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04431413114070892},{"word":"big","start":1754.475,"end":1754.635,"confidence":0.80615234,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.10083626955747604},{"word":"as","start":1754.635,"end":1754.715,"confidence":0.9633789,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08578859269618988},{"word":"one","start":1754.715,"end":1754.875,"confidence":0.6621094,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.03395432233810425},{"word":"but","start":1754.875,"end":1755.035,"confidence":0.9145508,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.029927164316177368},{"word":"you","start":1755.035,"end":1755.195,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00243927538394928},{"word":"know","start":1755.195,"end":1755.355,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.013320952653884888},{"word":"it's","start":1755.355,"end":1755.515,"confidence":0.46826172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06662119925022125},{"word":"gonna","start":1755.515,"end":1755.6749,"confidence":0.44335938,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.048702582716941833},{"word":"be","start":1755.6749,"end":1755.995,"confidence":0.96240234,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11888252198696136},{"word":"something","start":1755.995,"end":1756.495,"confidence":0.8364258,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.09182651340961456},{"word":"well","start":1757.195,"end":1757.4349,"confidence":0.93359375,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.3663272261619568},{"word":"it","start":1757.4349,"end":1757.515,"confidence":0.90625,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5105008482933044},{"word":"would","start":1757.515,"end":1757.6749,"confidence":0.5205078,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5350620746612549},{"word":"be","start":1757.6749,"end":1757.835,"confidence":0.9970703,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4700413942337036},{"word":"hers","start":1757.835,"end":1758.155,"confidence":0.9016113,"punctuated_word":"hers.","sentiment":"positive","sentiment_score":0.4622246026992798},{"word":"like","start":1758.155,"end":1758.315,"confidence":0.9797363,"punctuated_word":"Like,","sentiment":"positive","sentiment_score":0.5730334520339966},{"word":"i'm","start":1758.315,"end":1758.475,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.792101263999939},{"word":"more","start":1758.475,"end":1758.635,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.8070895671844482},{"word":"than","start":1758.635,"end":1758.7949,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7285415530204773},{"word":"happy","start":1758.7949,"end":1759.035,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.732025146484375},{"word":"for","start":1759.035,"end":1759.275,"confidence":0.9892578,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7438741326332092},{"word":"her","start":1759.275,"end":1759.6749,"confidence":0.69091797,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.6806715726852417},{"word":"to","start":1759.6749,"end":1760.1749,"confidence":0.93603516,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6845785975456238},{"word":"have","start":1760.715,"end":1761.035,"confidence":0.96777344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.694471001625061},{"word":"a","start":1761.035,"end":1761.33,"confidence":0.77246094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6789301037788391},{"word":"half","start":1761.49,"end":1761.73,"confidence":0.9902344,"punctuated_word":"half","sentiment":"positive","sentiment_score":0.647838294506073},{"word":"decent","start":1761.73,"end":1762.21,"confidence":0.98095703,"punctuated_word":"decent","sentiment":"positive","sentiment_score":0.4834564924240112},{"word":"super","start":1762.21,"end":1762.61,"confidence":0.8491211,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6017922163009644},{"word":"account","start":1762.61,"end":1763.11,"confidence":0.98828125,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.5804315209388733},{"word":"come","start":1763.49,"end":1763.6499,"confidence":0.31079102,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.63227778673172},{"word":"out","start":1763.6499,"end":1763.8099,"confidence":0.31835938,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6891078352928162},{"word":"of","start":1763.8099,"end":1763.89,"confidence":0.8286133,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6549375653266907},{"word":"retirement","start":1763.89,"end":1764.39,"confidence":0.92749023,"punctuated_word":"retirement.","sentiment":"positive","sentiment_score":0.4006801247596741},{"word":"so","start":1764.45,"end":1764.95,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12495838105678558},{"word":"yeah","start":1768.45,"end":1768.95,"confidence":0.9802246,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.008080866187810898},{"word":"tanika","start":1780.465,"end":1780.965,"confidence":0.69592285,"punctuated_word":"Tanika.","sentiment":"neutral","sentiment_score":0.11030711233615877},{"word":"yep","start":1815.015,"end":1815.515,"confidence":0.92211914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02846459113061428},{"word":"yep","start":1816.9349,"end":1817.31,"confidence":0.7442627,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02851030230522156},{"word":"yeah","start":1825.55,"end":1826.05,"confidence":0.7495117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08011619001626968},{"word":"yeah","start":1858.2201,"end":1858.7201,"confidence":0.93847656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0964239537715912},{"word":"yeah","start":1869.3151,"end":1869.555,"confidence":0.7619629,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3963730037212372},{"word":"that's","start":1869.555,"end":1869.795,"confidence":0.9941406,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5819942951202393},{"word":"good","start":1869.795,"end":1870.295,"confidence":0.8251953,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5977219343185425},{"word":"because","start":1870.515,"end":1870.915,"confidence":0.7561035,"punctuated_word":"Because,","sentiment":"positive","sentiment_score":0.35095417499542236},{"word":"yeah","start":1870.915,"end":1871.155,"confidence":0.9880371,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3402484953403473},{"word":"looking","start":1871.155,"end":1871.475,"confidence":0.7915039,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.35777243971824646},{"word":"to","start":1871.475,"end":1871.555,"confidence":0.9770508,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3866499066352844},{"word":"open","start":1871.555,"end":1871.9551,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.3175477385520935},{"word":"up","start":1871.9551,"end":1872.275,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.29517191648483276},{"word":"four","start":1872.275,"end":1872.775,"confidence":0.7993164,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.28032752871513367},{"word":"accounts","start":1873.0751,"end":1873.475,"confidence":0.99609375,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.2492685765028},{"word":"for","start":1873.475,"end":1873.635,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28033286333084106},{"word":"each","start":1873.635,"end":1873.9551,"confidence":0.99316406,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.2673579454421997},{"word":"child","start":1873.9551,"end":1874.275,"confidence":0.99316406,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.25351011753082275},{"word":"and","start":1874.275,"end":1874.775,"confidence":0.5205078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2855817377567291},{"word":"start","start":1875.7151,"end":1876.035,"confidence":0.73828125,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2530937194824219},{"word":"just","start":1876.035,"end":1876.535,"confidence":0.9902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3437468409538269},{"word":"putting","start":1876.675,"end":1877.0751,"confidence":0.9892578,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.3088185489177704},{"word":"a","start":1877.0751,"end":1877.155,"confidence":0.66259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3164885640144348},{"word":"bit","start":1877.155,"end":1877.52,"confidence":0.8613281,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26062703132629395},{"word":"on","start":1877.6,"end":1877.76,"confidence":0.47583008,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3071734607219696},{"word":"the","start":1877.76,"end":1877.84,"confidence":0.8598633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.323842853307724},{"word":"way","start":1877.84,"end":1878.0,"confidence":0.9716797,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.29513758420944214},{"word":"there","start":1878.0,"end":1878.16,"confidence":0.9123535,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.27615422010421753},{"word":"but","start":1878.16,"end":1878.56,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.28070998191833496},{"word":"also","start":1878.56,"end":1878.96,"confidence":0.9135742,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2512625753879547},{"word":"refinancing","start":1878.96,"end":1879.46,"confidence":0.9890137,"punctuated_word":"refinancing","sentiment":"neutral","sentiment_score":0.21909062564373016},{"word":"to","start":1880.72,"end":1880.88,"confidence":0.8745117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22105808556079865},{"word":"consolidate","start":1880.88,"end":1881.38,"confidence":0.9819336,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.24745163321495056},{"word":"all","start":1881.52,"end":1881.76,"confidence":0.9873047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.29448291659355164},{"word":"our","start":1881.76,"end":1881.84,"confidence":0.55908203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2652176320552826},{"word":"debt","start":1881.84,"end":1882.34,"confidence":0.95166016,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":0.18060699105262756},{"word":"which","start":1884.24,"end":1884.74,"confidence":0.95410156,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3599618971347809},{"word":"ends","start":1884.88,"end":1885.12,"confidence":0.99609375,"punctuated_word":"ends","sentiment":"positive","sentiment_score":0.39444637298583984},{"word":"up","start":1885.12,"end":1885.28,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3978739082813263},{"word":"working","start":1885.28,"end":1885.6,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.5259392261505127},{"word":"out","start":1885.6,"end":1885.68,"confidence":0.9165039,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.49494996666908264},{"word":"a","start":1885.68,"end":1885.76,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5054351687431335},{"word":"little","start":1885.76,"end":1886.0,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.30633124709129333},{"word":"bit","start":1886.0,"end":1886.16,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.33025726675987244},{"word":"better","start":1886.16,"end":1886.4,"confidence":0.99902344,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.43084192276000977},{"word":"for","start":1886.4,"end":1886.56,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5202857255935669},{"word":"us","start":1886.56,"end":1886.72,"confidence":0.8288574,"punctuated_word":"us.","sentiment":"positive","sentiment_score":0.4296445846557617},{"word":"but","start":1886.72,"end":1886.88,"confidence":0.96972656,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2398182451725006},{"word":"we're","start":1886.88,"end":1887.04,"confidence":0.6738281,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.31024831533432007},{"word":"also","start":1887.04,"end":1887.54,"confidence":0.9453125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.23736672103405},{"word":"trying","start":1887.92,"end":1888.24,"confidence":0.7128906,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.302349716424942},{"word":"to","start":1888.24,"end":1888.3201,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2909281849861145},{"word":"withdraw","start":1888.3201,"end":1888.8,"confidence":0.9892578,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":0.22392553091049192},{"word":"a","start":1888.8,"end":1888.96,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3085630238056183},{"word":"little","start":1888.96,"end":1889.28,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.25481992959976196},{"word":"bit","start":1889.28,"end":1889.4401,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2441019117832184},{"word":"more","start":1889.4401,"end":1889.68,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2569793462753296},{"word":"cash","start":1889.68,"end":1889.92,"confidence":0.9951172,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.28181588649749756},{"word":"out","start":1889.92,"end":1890.0,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22284430265426636},{"word":"of","start":1890.0,"end":1890.16,"confidence":0.9951172,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3591192960739136},{"word":"the","start":1890.16,"end":1890.4,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3331679105758667},{"word":"house","start":1890.4,"end":1890.9,"confidence":0.9902344,"punctuated_word":"house","sentiment":"positive","sentiment_score":0.34188610315322876},{"word":"to","start":1891.04,"end":1891.28,"confidence":0.93115234,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3533994257450104},{"word":"invest","start":1891.28,"end":1891.78,"confidence":0.9326172,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.24646586179733276},{"word":"as","start":1891.84,"end":1892.0,"confidence":0.94140625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30168911814689636},{"word":"well","start":1892.0,"end":1892.24,"confidence":0.8586426,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2791591286659241},{"word":"so","start":1892.24,"end":1892.64,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24521343410015103},{"word":"i'm","start":1892.64,"end":1892.72,"confidence":0.49597168,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2905247211456299},{"word":"hoping","start":1892.72,"end":1893.04,"confidence":0.9633789,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.30534324049949646},{"word":"for","start":1893.04,"end":1893.2001,"confidence":0.9770508,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35631152987480164},{"word":"an","start":1893.2001,"end":1893.36,"confidence":0.86621094,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3451577126979828},{"word":"extra","start":1893.36,"end":1893.495,"confidence":0.5258789,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.2936190366744995},{"word":"extra","start":1894.375,"end":1894.695,"confidence":0.9970703,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.27843615412712097},{"word":"40","start":1894.695,"end":1895.195,"confidence":0.86206055,"punctuated_word":"40.","sentiment":"positive","sentiment_score":0.35294923186302185},{"word":"i","start":1895.575,"end":1895.735,"confidence":0.54248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15917369723320007},{"word":"was","start":1895.735,"end":1895.895,"confidence":0.91845703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10095332562923431},{"word":"just","start":1895.895,"end":1895.975,"confidence":0.5288086,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14298565685749054},{"word":"waiting","start":1895.975,"end":1896.215,"confidence":0.99609375,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.10627685487270357},{"word":"for","start":1896.215,"end":1896.375,"confidence":0.9243164,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03629724681377411},{"word":"that","start":1896.375,"end":1896.615,"confidence":0.90527344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11407599598169328},{"word":"settling","start":1896.615,"end":1896.9349,"confidence":0.48339844,"punctuated_word":"settling,","sentiment":"neutral","sentiment_score":0.10741418600082396},{"word":"whatever","start":1896.9349,"end":1897.4349,"confidence":0.98950195,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":0.10138639807701112},{"word":"yep","start":1907.57,"end":1908.07,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11002250760793686},{"word":"yep","start":1951.885,"end":1952.385,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1969761848449707},{"word":"okay","start":1966.1,"end":1966.6,"confidence":0.77783203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07073162496089935},{"word":"so","start":1968.98,"end":1969.48,"confidence":0.9550781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.052752088755369186},{"word":"let's","start":1970.02,"end":1970.5,"confidence":0.99194336,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.056177809834480286},{"word":"work","start":1970.5,"end":1970.82,"confidence":0.9770508,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05593230202794075},{"word":"on","start":1970.82,"end":1971.0599,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04635431990027428},{"word":"next","start":1971.0599,"end":1971.3,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.046860840171575546},{"word":"week","start":1971.3,"end":1971.7,"confidence":0.9975586,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.03791072964668274},{"word":"let's","start":1971.7,"end":1971.94,"confidence":0.99853516,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.04162809997797012},{"word":"see","start":1971.94,"end":1972.26,"confidence":0.99121094,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.028812319040298465},{"word":"she's","start":1972.26,"end":1972.5,"confidence":0.99658203,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.002222186652943492},{"word":"got","start":1972.5,"end":1972.9,"confidence":0.9760742,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0182657428085804},{"word":"dance","start":1972.9,"end":1973.22,"confidence":0.75,"punctuated_word":"dance","sentiment":"neutral","sentiment_score":-0.009674612432718275},{"word":"on","start":1973.22,"end":1973.72,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.036627694964408875},{"word":"thursday","start":1974.1799,"end":1974.6799,"confidence":0.69628906,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":-0.035380955785512924},{"word":"wednesday","start":1976.1,"end":1976.6,"confidence":0.96777344,"punctuated_word":"Wednesday","sentiment":"neutral","sentiment_score":-0.26829981803894043},{"word":"is","start":1976.705,"end":1976.785,"confidence":0.9428711,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.45688509941101074},{"word":"no","start":1976.785,"end":1977.105,"confidence":0.7944336,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.4255276918411255},{"word":"good","start":1977.105,"end":1977.425,"confidence":0.9658203,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.3435813784599304},{"word":"either","start":1977.425,"end":1977.745,"confidence":0.8015137,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.2835111618041992},{"word":"that'd","start":1977.745,"end":1978.065,"confidence":0.60595703,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":-0.12136223167181016},{"word":"be","start":1978.065,"end":1978.565,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11151766031980516},{"word":"either","start":1982.305,"end":1982.625,"confidence":0.92089844,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.0630008801817894},{"word":"monday","start":1982.625,"end":1983.025,"confidence":0.92871094,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":-0.07499095797538757},{"word":"tuesday","start":1983.025,"end":1983.505,"confidence":0.9506836,"punctuated_word":"Tuesday,","sentiment":"neutral","sentiment_score":-0.10427261888980864},{"word":"or","start":1983.505,"end":1983.745,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0890582799911499},{"word":"friday","start":1983.745,"end":1984.245,"confidence":1.0,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":-0.10689720511436462},{"word":"next","start":1984.385,"end":1984.705,"confidence":0.98535156,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.06361959874629974},{"word":"week","start":1984.705,"end":1985.205,"confidence":0.9260254,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.10762064158916472},{"word":"and","start":1986.945,"end":1987.105,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04702632874250412},{"word":"then","start":1987.105,"end":1987.605,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.041700445115566254},{"word":"i","start":1990.39,"end":1990.63,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08442528545856476},{"word":"would","start":1990.63,"end":1990.87,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.060580603778362274},{"word":"have","start":1990.87,"end":1991.11,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07025565952062607},{"word":"to","start":1991.11,"end":1991.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07201935350894928},{"word":"leave","start":1991.27,"end":1991.59,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.06322409212589264},{"word":"work","start":1991.59,"end":1992.09,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.08912263810634613},{"word":"a","start":1992.15,"end":1992.23,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0844482034444809},{"word":"little","start":1992.23,"end":1992.47,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09216040372848512},{"word":"bit","start":1992.47,"end":1992.63,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09869179129600524},{"word":"early","start":1992.63,"end":1992.87,"confidence":0.6464844,"punctuated_word":"early","sentiment":"neutral","sentiment_score":-0.0972329080104828},{"word":"to","start":1992.87,"end":1993.11,"confidence":0.94628906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08005910366773605},{"word":"be","start":1993.11,"end":1993.35,"confidence":0.98095703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05808998644351959},{"word":"home","start":1993.35,"end":1993.75,"confidence":0.72558594,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.05879960581660271},{"word":"so","start":1993.75,"end":1993.99,"confidence":0.9873047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.040749441832304},{"word":"sometime","start":1993.99,"end":1994.49,"confidence":0.55810547,"punctuated_word":"sometime","sentiment":"neutral","sentiment_score":-0.03198501095175743},{"word":"after","start":1995.43,"end":1995.75,"confidence":0.9819336,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.05012361332774162},{"word":"03:30","start":1995.75,"end":1996.55,"confidence":0.99902344,"punctuated_word":"03:30","sentiment":"neutral","sentiment_score":-0.042078595608472824},{"word":"if","start":1996.55,"end":1996.71,"confidence":0.6538086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08484332263469696},{"word":"possible","start":1996.71,"end":1997.21,"confidence":0.96972656,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.110159233212471},{"word":"oh","start":2006.155,"end":2006.3151,"confidence":0.86328125,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":-0.013586319983005524},{"word":"my","start":2006.3151,"end":2006.555,"confidence":0.9741211,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02360200881958008},{"word":"god","start":2006.555,"end":2006.875,"confidence":0.9921875,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":-0.01152588613331318},{"word":"did","start":2006.875,"end":2006.995,"confidence":0.75927734,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.004501931369304657},{"word":"you","start":2006.995,"end":2007.115,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009791575372219086},{"word":"do","start":2007.115,"end":2007.355,"confidence":0.9741211,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01620614156126976},{"word":"that","start":2007.355,"end":2007.855,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.019081998616456985},{"word":"yeah","start":2012.715,"end":2013.215,"confidence":0.9482422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11123425513505936},{"word":"do","start":2013.515,"end":2013.755,"confidence":0.8510742,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.12694759666919708},{"word":"that","start":2013.755,"end":2014.255,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11001774668693542},{"word":"no","start":2026.84,"end":2027.24,"confidence":0.8322754,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04856124520301819},{"word":"that's","start":2027.24,"end":2027.74,"confidence":0.41455078,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.182329460978508},{"word":"that's","start":2028.0399,"end":2028.5399,"confidence":0.8178711,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2231854796409607},{"word":"good","start":2028.6,"end":2029.1,"confidence":0.99609375,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.32204991579055786},{"word":"we","start":2053.64,"end":2053.72,"confidence":0.91845703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05013103410601616},{"word":"can","start":2053.72,"end":2053.96,"confidence":0.85498047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0395272858440876},{"word":"do","start":2053.96,"end":2054.12,"confidence":0.9838867,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.027140911668539047},{"word":"either","start":2054.12,"end":2054.52,"confidence":0.6405029,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.0019264835864305496},{"word":"i'm","start":2054.52,"end":2054.76,"confidence":0.8095703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.19028636813163757},{"word":"not","start":2054.76,"end":2054.92,"confidence":0.4921875,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.224555641412735},{"word":"fast","start":2054.92,"end":2055.42,"confidence":0.56274414,"punctuated_word":"fast.","sentiment":"neutral","sentiment_score":-0.23912638425827024},{"word":"i've","start":2055.56,"end":2056.06,"confidence":0.83081055,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08547504991292953},{"word":"i","start":2057.08,"end":2057.24,"confidence":0.86621094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3100842833518982},{"word":"think","start":2057.24,"end":2057.4,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2828294634819031},{"word":"i've","start":2057.4,"end":2057.56,"confidence":0.93969727,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.30576056241989136},{"word":"got","start":2057.56,"end":2057.72,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31503617763519287},{"word":"the","start":2057.72,"end":2057.8801,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.306645005941391},{"word":"app","start":2057.8801,"end":2058.04,"confidence":0.9941406,"punctuated_word":"app","sentiment":"positive","sentiment_score":0.34830760955810547},{"word":"on","start":2058.04,"end":2058.2,"confidence":0.9267578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27086544036865234},{"word":"my","start":2058.2,"end":2058.36,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.27288374304771423},{"word":"phone","start":2058.36,"end":2058.86,"confidence":0.9980469,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.2224247455596924},{"word":"yep","start":2065.6548,"end":2066.1548,"confidence":0.9394531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2250407636165619},{"word":"my","start":2084.3599,"end":2084.8599,"confidence":0.5073242,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.003716636449098587},{"word":"loans","start":2085.0,"end":2085.4,"confidence":0.7092285,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.015511645935475826},{"word":"like","start":2085.4,"end":2085.64,"confidence":0.7524414,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.021542128175497055},{"word":"all","start":2085.64,"end":2085.8,"confidence":0.98828125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.035173892974853516},{"word":"of","start":2085.8,"end":2085.88,"confidence":0.90234375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03031018003821373},{"word":"them","start":2085.88,"end":2086.125,"confidence":0.7766113,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":0.02442004159092903},{"word":"yep","start":2088.685,"end":2089.165,"confidence":0.9838867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08703359216451645},{"word":"so","start":2089.165,"end":2089.485,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06136016547679901},{"word":"main","start":2089.485,"end":2089.805,"confidence":0.73828125,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.10250251740217207},{"word":"home","start":2089.805,"end":2090.045,"confidence":0.9902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0938565507531166},{"word":"loan","start":2090.045,"end":2090.365,"confidence":0.9980469,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.0835128128528595},{"word":"is","start":2090.365,"end":2090.865,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07230046391487122},{"word":"$2.91","start":2090.925,"end":2092.065,"confidence":0.99279785,"punctuated_word":"$2.91.","sentiment":"neutral","sentiment_score":0.09089366346597672},{"word":"the","start":2108.61,"end":2108.85,"confidence":0.40527344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.062362056225538254},{"word":"fixed","start":2108.85,"end":2109.25,"confidence":0.9838867,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.0637713223695755},{"word":"mortgage","start":2109.25,"end":2109.65,"confidence":0.93188477,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.06453536450862885},{"word":"which","start":2109.65,"end":2109.81,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0763714388012886},{"word":"is","start":2109.81,"end":2109.97,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06593979895114899},{"word":"now","start":2109.97,"end":2110.21,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.052629634737968445},{"word":"variable","start":2110.21,"end":2110.61,"confidence":0.9892578,"punctuated_word":"variable","sentiment":"neutral","sentiment_score":0.08487696945667267},{"word":"now","start":2110.61,"end":2110.85,"confidence":0.6867676,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.08320026099681854},{"word":"is","start":2110.85,"end":2111.01,"confidence":0.9326172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06741613149642944},{"word":"$1.68","start":2111.01,"end":2112.13,"confidence":0.90057373,"punctuated_word":"$1.68.","sentiment":"neutral","sentiment_score":0.06667700409889221},{"word":"okay","start":2112.13,"end":2112.63,"confidence":0.7463379,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.053882285952568054},{"word":"so","start":2113.17,"end":2113.67,"confidence":0.5805664,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06151176616549492},{"word":"yeah","start":2113.81,"end":2114.13,"confidence":0.94677734,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08655044436454773},{"word":"that'll","start":2114.13,"end":2114.53,"confidence":0.3656006,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.08444072306156158},{"word":"be","start":2114.53,"end":2114.61,"confidence":0.17321777,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0929783433675766},{"word":"my","start":2114.61,"end":2115.11,"confidence":0.5961914,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07680930197238922},{"word":"$4.69","start":2115.465,"end":2117.245,"confidence":0.8359375,"punctuated_word":"$4.69.","sentiment":"neutral","sentiment_score":0.08239726722240448},{"word":"my","start":2121.7852,"end":2122.105,"confidence":0.51660156,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.016844775527715683},{"word":"car","start":2122.105,"end":2122.345,"confidence":0.96240234,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.02966347709298134},{"word":"loan","start":2122.345,"end":2122.665,"confidence":0.90527344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.018009591847658157},{"word":"is","start":2122.665,"end":2122.8252,"confidence":0.5991211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.011034205555915833},{"word":"currently","start":2122.8252,"end":2123.145,"confidence":0.9941406,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.01050654798746109},{"word":"sitting","start":2123.145,"end":2123.465,"confidence":0.93115234,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.007781695574522018},{"word":"at","start":2123.465,"end":2123.965,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009719427675008774},{"word":"20","start":2124.185,"end":2124.685,"confidence":0.9941406,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.02591744065284729},{"word":"k","start":2128.105,"end":2128.605,"confidence":0.9719238,"punctuated_word":"k.","sentiment":"neutral","sentiment_score":0.02893339097499847},{"word":"got","start":2128.665,"end":2128.8252,"confidence":0.7788086,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.059541866183280945},{"word":"a","start":2128.8252,"end":2128.985,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05858530104160309},{"word":"zip","start":2128.985,"end":2129.145,"confidence":0.9658203,"punctuated_word":"Zip","sentiment":"neutral","sentiment_score":0.08108367770910263},{"word":"pay","start":2129.145,"end":2129.385,"confidence":0.53271484,"punctuated_word":"Pay","sentiment":"neutral","sentiment_score":0.09853412210941316},{"word":"account","start":2129.385,"end":2129.7852,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.08649817109107971},{"word":"that's","start":2129.7852,"end":2130.0251,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07648386061191559},{"word":"got","start":2130.0251,"end":2130.3,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0749024897813797},{"word":"8","start":2130.3,"end":2130.46,"confidence":0.5966797,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.06492751836776733},{"word":"k","start":2130.46,"end":2130.78,"confidence":0.9863281,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.06471270322799683},{"word":"on","start":2130.78,"end":2131.28,"confidence":0.9819336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06865580379962921},{"word":"it","start":2131.5,"end":2132.0,"confidence":0.96899414,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04548467695713043},{"word":"my","start":2133.74,"end":2133.9001,"confidence":0.83203125,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.04280206561088562},{"word":"credit","start":2133.9001,"end":2134.1401,"confidence":0.99902344,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":0.05220562964677811},{"word":"card's","start":2134.1401,"end":2134.46,"confidence":0.80444336,"punctuated_word":"card's","sentiment":"neutral","sentiment_score":0.030047809705138206},{"word":"got","start":2134.46,"end":2134.7,"confidence":0.9819336,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.030678773298859596},{"word":"plugs","start":2134.7,"end":2135.2,"confidence":0.34594727,"punctuated_word":"plugs","sentiment":"neutral","sentiment_score":0.02054174244403839},{"word":"on","start":2135.4202,"end":2135.58,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014023322612047195},{"word":"it","start":2135.58,"end":2136.08,"confidence":0.97314453,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.016837576404213905},{"word":"i","start":2139.18,"end":2139.26,"confidence":0.53515625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06299076229333878},{"word":"owe","start":2139.26,"end":2139.4202,"confidence":0.9921875,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.0444270595908165},{"word":"my","start":2139.4202,"end":2139.58,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05925438553094864},{"word":"dad","start":2139.58,"end":2140.08,"confidence":0.99609375,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.06985493004322052},{"word":"$13.5","start":2140.3,"end":2141.68,"confidence":0.8326416,"punctuated_word":"$13.5.","sentiment":"neutral","sentiment_score":-0.04501653462648392},{"word":"and","start":2145.74,"end":2146.215,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06042331084609032},{"word":"my","start":2146.375,"end":2146.495,"confidence":0.85595703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08371712267398834},{"word":"grandmother","start":2146.495,"end":2146.615,"confidence":0.7409668,"punctuated_word":"grandmother,","sentiment":"neutral","sentiment_score":0.1185258850455284},{"word":"100","start":2146.615,"end":2147.8152,"confidence":0.9921875,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.17530271410942078},{"word":"dale","start":2147.8152,"end":2148.3152,"confidence":0.5574341,"punctuated_word":"Dale.","sentiment":"neutral","sentiment_score":0.1042972207069397},{"word":"so","start":2164.07,"end":2164.47,"confidence":0.4921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.030018679797649384},{"word":"she","start":2164.47,"end":2164.63,"confidence":0.9921875,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.07784034311771393},{"word":"likes","start":2164.63,"end":2164.95,"confidence":0.9472656,"punctuated_word":"likes","sentiment":"neutral","sentiment_score":0.03156425058841705},{"word":"to","start":2164.95,"end":2165.03,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02577948570251465},{"word":"make","start":2165.03,"end":2165.27,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.01377156376838684},{"word":"money","start":2165.27,"end":2165.77,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.07766377925872803},{"word":"off","start":2166.15,"end":2166.31,"confidence":0.9370117,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.09368428587913512},{"word":"us","start":2166.31,"end":2166.55,"confidence":0.7729492,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13391049206256866},{"word":"grandkids","start":2166.55,"end":2167.03,"confidence":0.9875488,"punctuated_word":"grandkids","sentiment":"neutral","sentiment_score":0.17288371920585632},{"word":"and","start":2167.03,"end":2167.27,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10403041541576384},{"word":"even","start":2167.27,"end":2167.43,"confidence":0.9790039,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.13771310448646543},{"word":"her","start":2167.43,"end":2167.67,"confidence":0.99316406,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.01799704134464264},{"word":"kids","start":2167.67,"end":2168.07,"confidence":0.7739258,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.15494781732559204},{"word":"so","start":2168.07,"end":2168.39,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04922696202993393},{"word":"she's","start":2168.39,"end":2168.63,"confidence":1.0,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.0767560824751854},{"word":"actually","start":2168.63,"end":2169.13,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.10923616588115692},{"word":"quite","start":2169.3499,"end":2169.67,"confidence":0.9970703,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.13245604932308197},{"word":"well","start":2169.67,"end":2169.91,"confidence":0.99316406,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2321104258298874},{"word":"off","start":2169.91,"end":2170.41,"confidence":0.98095703,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.10330522060394288},{"word":"but","start":2171.935,"end":2172.435,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02555280178785324},{"word":"at","start":2173.615,"end":2173.855,"confidence":0.88720703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05519971996545792},{"word":"the","start":2173.855,"end":2174.015,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05206962302327156},{"word":"time","start":2174.015,"end":2174.515,"confidence":0.9797363,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.04359180107712746},{"word":"i","start":2174.895,"end":2175.135,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06207897141575813},{"word":"had","start":2175.135,"end":2175.295,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06880903244018555},{"word":"a","start":2175.295,"end":2175.4548,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0728883445262909},{"word":"deposit","start":2175.4548,"end":2175.935,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.09937332570552826},{"word":"up","start":2175.935,"end":2176.175,"confidence":0.6118164,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12219876050949097},{"word":"from","start":2176.175,"end":2176.415,"confidence":0.67871094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.09705153107643127},{"word":"covid","start":2176.415,"end":2176.655,"confidence":0.84228516,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":-0.07814249396324158},{"word":"but","start":2176.655,"end":2176.895,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05436209216713905},{"word":"yeah","start":2177.4548,"end":2177.9548,"confidence":0.9851074,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06159479171037674},{"word":"sorry","start":2178.575,"end":2178.895,"confidence":0.82836914,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1424494832754135},{"word":"for","start":2178.895,"end":2179.135,"confidence":0.80566406,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.1386404186487198},{"word":"our","start":2179.135,"end":2179.2148,"confidence":0.8769531,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.1527535766363144},{"word":"house","start":2179.2148,"end":2179.4548,"confidence":0.77368164,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.17472103238105774},{"word":"but","start":2179.4548,"end":2179.695,"confidence":0.56396484,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.18147796392440796},{"word":"covid","start":2179.695,"end":2180.015,"confidence":0.99853516,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.20376944541931152},{"word":"hit","start":2180.015,"end":2180.255,"confidence":0.8430176,"punctuated_word":"hit.","sentiment":"neutral","sentiment_score":-0.19172173738479617},{"word":"and","start":2180.255,"end":2180.4949,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09987537562847136},{"word":"then","start":2180.4949,"end":2180.9949,"confidence":0.95166016,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.054857365787029266},{"word":"essentially","start":2181.615,"end":2182.115,"confidence":0.890625,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.047024086117744446},{"word":"she","start":2182.255,"end":2182.415,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.023155584931373596},{"word":"said","start":2182.415,"end":2182.655,"confidence":0.95458984,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.007418040186166763},{"word":"look","start":2182.655,"end":2183.07,"confidence":0.8317871,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.010339006781578064},{"word":"i'll","start":2183.07,"end":2183.23,"confidence":0.9926758,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05597709119319916},{"word":"give","start":2183.23,"end":2183.3901,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06049096584320069},{"word":"you","start":2183.3901,"end":2183.4302,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058652058243751526},{"word":"a","start":2183.4302,"end":2183.47,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06888272613286972},{"word":"$100","start":2183.47,"end":2184.11,"confidence":0.9980469,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.11496993154287338},{"word":"if","start":2184.11,"end":2184.27,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10802973061800004},{"word":"you","start":2184.27,"end":2184.4302,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04055595397949219},{"word":"pay","start":2184.4302,"end":2184.6702,"confidence":0.61083984,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.00645456463098526},{"word":"me","start":2184.6702,"end":2184.75,"confidence":0.96875,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.008113592863082886},{"word":"12%","start":2184.75,"end":2185.31,"confidence":0.94799805,"punctuated_word":"12%","sentiment":"neutral","sentiment_score":0.07304228842258453},{"word":"interest","start":2185.31,"end":2185.71,"confidence":0.99316406,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.03457442671060562},{"word":"per","start":2185.71,"end":2185.87,"confidence":0.83203125,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.046916499733924866},{"word":"kid","start":2185.87,"end":2186.37,"confidence":0.65563965,"punctuated_word":"kid,","sentiment":"neutral","sentiment_score":0.024683691561222076},{"word":"which","start":2187.31,"end":2187.55,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03262320160865784},{"word":"i","start":2187.55,"end":2187.71,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02026852965354919},{"word":"said","start":2187.71,"end":2188.11,"confidence":0.8959961,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.01890447735786438},{"word":"yes","start":2188.11,"end":2188.59,"confidence":0.95166016,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.04480162262916565},{"word":"alright","start":2188.59,"end":2188.99,"confidence":0.9970703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.25555163621902466},{"word":"cool","start":2188.99,"end":2189.31,"confidence":0.99902344,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.32331007719039917},{"word":"so","start":2189.31,"end":2189.47,"confidence":0.82714844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.215909481048584},{"word":"that's","start":2189.47,"end":2189.71,"confidence":0.50671387,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21488504111766815},{"word":"the","start":2189.71,"end":2189.87,"confidence":0.49902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1889592856168747},{"word":"pay","start":2189.87,"end":2189.95,"confidence":0.7397461,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.20591570436954496},{"word":"the","start":2189.95,"end":2190.11,"confidence":0.52685547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17984119057655334},{"word":"power","start":2190.11,"end":2190.27,"confidence":0.73583984,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.21112309396266937},{"word":"off","start":2190.27,"end":2190.35,"confidence":0.37817383,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1932140588760376},{"word":"anyway","start":2190.35,"end":2190.6702,"confidence":0.640625,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.24711814522743225},{"word":"to","start":2190.6702,"end":2190.75,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22388285398483276},{"word":"get","start":2190.75,"end":2190.99,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22099512815475464},{"word":"the","start":2190.99,"end":2191.1501,"confidence":0.8540039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24750971794128415},{"word":"home","start":2191.1501,"end":2191.3901,"confidence":0.9316406,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.19427987933158877},{"word":"loan","start":2191.3901,"end":2191.8901,"confidence":0.7011719,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.21351176500320437},{"word":"covered","start":2192.1902,"end":2192.6902,"confidence":0.73779297,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":0.2080756425857544},{"word":"so","start":2193.79,"end":2193.95,"confidence":0.87353516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12377581000328064},{"word":"out","start":2193.95,"end":2194.11,"confidence":0.35253906,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1347542554140091},{"word":"of","start":2194.11,"end":2194.35,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0916689559817314},{"word":"five","start":2194.35,"end":2194.59,"confidence":0.8642578,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.08105321228504181},{"word":"years","start":2194.59,"end":2195.07,"confidence":0.9194336,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.0693340077996254},{"word":"paid","start":2195.07,"end":2195.31,"confidence":0.74560547,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0736275240778923},{"word":"a","start":2195.31,"end":2195.3901,"confidence":0.29101562,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08970102667808533},{"word":"$5","start":2195.3901,"end":2196.05,"confidence":0.9875488,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.08870940655469894},{"word":"a","start":2196.27,"end":2196.4302,"confidence":0.41259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0912482962012291},{"word":"year","start":2196.4302,"end":2196.6702,"confidence":0.92089844,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0901484191417694},{"word":"to","start":2196.6702,"end":2196.83,"confidence":0.81396484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08862381428480148},{"word":"have","start":2196.83,"end":2197.07,"confidence":0.8613281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16764740645885468},{"word":"it","start":2197.07,"end":2197.31,"confidence":0.8569336,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09959135949611664},{"word":"and","start":2197.31,"end":2197.47,"confidence":0.97509766,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07661557197570801},{"word":"then","start":2197.47,"end":2197.97,"confidence":0.9223633,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.0631331205368042},{"word":"yeah","start":2199.905,"end":2200.385,"confidence":0.9890137,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10989948362112044},{"word":"i","start":2200.385,"end":2200.545,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08133202791213989},{"word":"thought","start":2200.545,"end":2200.785,"confidence":0.9892578,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.09101767838001253},{"word":"it'd","start":2200.785,"end":2200.945,"confidence":0.7429199,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.11488860845565796},{"word":"just","start":2200.945,"end":2201.025,"confidence":0.9003906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13213138282299042},{"word":"be","start":2201.025,"end":2201.185,"confidence":0.8886719,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14242173731327057},{"word":"nice","start":2201.185,"end":2201.425,"confidence":0.9770508,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.2432243674993515},{"word":"to","start":2201.425,"end":2201.5051,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24033263325691223},{"word":"pay","start":2201.5051,"end":2201.665,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.20722714066505432},{"word":"you","start":2201.665,"end":2201.745,"confidence":0.45996094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2198651134967804},{"word":"back","start":2201.745,"end":2202.065,"confidence":0.8095703,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.1864980161190033},{"word":"so","start":2202.065,"end":2202.145,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12056239694356918},{"word":"but","start":2203.425,"end":2203.585,"confidence":0.91015625,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09572157263755798},{"word":"i","start":2203.585,"end":2203.745,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0679870992898941},{"word":"don't","start":2203.745,"end":2203.825,"confidence":0.7780762,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.04840104281902313},{"word":"have","start":2203.825,"end":2203.985,"confidence":0.9404297,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02451571822166443},{"word":"to","start":2203.985,"end":2204.145,"confidence":0.88720703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042872354388237},{"word":"keep","start":2204.145,"end":2204.385,"confidence":0.984375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.0486738383769989},{"word":"worrying","start":2204.385,"end":2204.705,"confidence":0.99609375,"punctuated_word":"worrying","sentiment":"neutral","sentiment_score":-0.04545353353023529},{"word":"about","start":2204.705,"end":2204.945,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0004320815205574035},{"word":"paying","start":2204.945,"end":2205.385,"confidence":0.98291016,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.02587253600358963},{"word":"the","start":2205.385,"end":2205.825,"confidence":0.48486328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06692288815975189},{"word":"$500","start":2205.825,"end":2206.625,"confidence":0.89001465,"punctuated_word":"$500","sentiment":"neutral","sentiment_score":0.1183205544948578},{"word":"every","start":2206.625,"end":2206.945,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06641693413257599},{"word":"month","start":2206.945,"end":2207.445,"confidence":0.7885742,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.07374013215303421},{"word":"yep","start":2217.8,"end":2218.12,"confidence":0.8046875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04072791337966919},{"word":"yes","start":2218.12,"end":2218.62,"confidence":0.98999023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.053129591047763824},{"word":"currently","start":2220.28,"end":2220.78,"confidence":0.6567383,"punctuated_word":"Currently","sentiment":"neutral","sentiment_score":-0.011791493743658066},{"word":"going","start":2221.64,"end":2221.96,"confidence":0.80126953,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.004716500639915466},{"word":"down","start":2221.96,"end":2222.44,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.032862093299627304},{"word":"cba","start":2222.44,"end":2222.775,"confidence":0.71606445,"punctuated_word":"CBA","sentiment":"neutral","sentiment_score":0.017391420900821686},{"word":"at","start":2223.815,"end":2224.135,"confidence":0.33129883,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017891936004161835},{"word":"the","start":2224.135,"end":2224.375,"confidence":0.8413086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019608259201049805},{"word":"moment","start":2224.375,"end":2224.6948,"confidence":0.9655762,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.021789059042930603},{"word":"so","start":2224.6948,"end":2225.1948,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.055243074893951416},{"word":"i've","start":2225.575,"end":2225.7349,"confidence":0.7015381,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11183347553014757},{"word":"been","start":2225.7349,"end":2226.2349,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.17659421265125275},{"word":"approved","start":2226.375,"end":2226.875,"confidence":0.9941406,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.14681987464427948},{"word":"for","start":2227.335,"end":2227.835,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1226118952035904},{"word":"six","start":2229.015,"end":2229.335,"confidence":0.74853516,"punctuated_word":"six,","sentiment":"neutral","sentiment_score":0.14622347056865692},{"word":"six","start":2229.335,"end":2229.575,"confidence":0.7553711,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.1456020623445511},{"word":"days","start":2229.575,"end":2229.6548,"confidence":0.845459,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.1467074304819107},{"word":"but","start":2229.6548,"end":2229.9749,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0652560442686081},{"word":"they","start":2229.9749,"end":2230.055,"confidence":0.92822266,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08395363390445709},{"word":"said","start":2230.055,"end":2230.295,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.07093030214309692},{"word":"if","start":2230.295,"end":2230.375,"confidence":0.95947266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05462361127138138},{"word":"we","start":2230.375,"end":2230.535,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07857704162597656},{"word":"did","start":2230.535,"end":2230.6948,"confidence":0.7163086,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04172125831246376},{"word":"wanna","start":2230.6948,"end":2230.9348,"confidence":0.8911133,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.060971684753894806},{"word":"wait","start":2230.9348,"end":2231.4348,"confidence":0.99121094,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.044804856181144714},{"word":"another","start":2231.6548,"end":2231.9749,"confidence":0.9716797,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.03975353762507439},{"word":"week","start":2231.9749,"end":2232.295,"confidence":0.9873047,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.08521470427513123},{"word":"until","start":2232.295,"end":2232.795,"confidence":0.8251953,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.07593642175197601},{"word":"the","start":2233.095,"end":2233.595,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12437539547681808},{"word":"letter","start":2233.895,"end":2234.135,"confidence":0.4440918,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.1103331595659256},{"word":"came","start":2234.135,"end":2234.635,"confidence":0.98291016,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.11479809880256651},{"word":"with","start":2235.095,"end":2235.335,"confidence":0.8618164,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13016854226589203},{"word":"their","start":2235.335,"end":2235.4949,"confidence":0.78125,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.09215410053730012},{"word":"decision","start":2235.4949,"end":2235.84,"confidence":0.5732422,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.13051903247833252},{"word":"the","start":2238.24,"end":2238.74,"confidence":0.18457031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1478122919797897},{"word":"so","start":2239.04,"end":2239.12,"confidence":0.71435547,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2190372794866562},{"word":"we","start":2239.12,"end":2239.28,"confidence":0.9770508,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29650112986564636},{"word":"said","start":2239.28,"end":2239.52,"confidence":0.98291016,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.2720063030719757},{"word":"yes","start":2239.52,"end":2239.76,"confidence":0.88183594,"punctuated_word":"yes","sentiment":"neutral","sentiment_score":0.283538281917572},{"word":"to","start":2239.76,"end":2240.26,"confidence":0.8378906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23461563885211945},{"word":"that","start":2240.32,"end":2240.72,"confidence":0.9855957,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.204074889421463},{"word":"so","start":2240.72,"end":2241.12,"confidence":0.8059082,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.15955814719200134},{"word":"yeah","start":2241.12,"end":2241.36,"confidence":0.9890137,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.17774835228919983},{"word":"we're","start":2241.36,"end":2241.52,"confidence":0.8684082,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1968088150024414},{"word":"just","start":2241.52,"end":2241.6802,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19920672476291656},{"word":"wanting","start":2241.6802,"end":2241.8801,"confidence":0.7138672,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.1881343424320221},{"word":"to","start":2241.8801,"end":2242.08,"confidence":0.80126953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1983446478843689},{"word":"to","start":2242.08,"end":2242.58,"confidence":0.2590332,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1968103051185608},{"word":"get","start":2243.12,"end":2243.62,"confidence":0.5258789,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17637726664543152},{"word":"the","start":2243.76,"end":2244.0,"confidence":0.23852539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18994082510471344},{"word":"tax","start":2244.0,"end":2244.32,"confidence":0.29003906,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.24454522132873535},{"word":"and","start":2244.32,"end":2244.4001,"confidence":0.20288086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18215548992156985},{"word":"afa","start":2244.4001,"end":2244.9001,"confidence":0.6599121,"punctuated_word":"AFA.","sentiment":"neutral","sentiment_score":0.15932857990264893},{"word":"we","start":2254.1948,"end":2254.355,"confidence":0.7734375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07041507959365845},{"word":"went","start":2254.355,"end":2254.595,"confidence":0.9980469,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.07773253321647644},{"word":"through","start":2254.595,"end":2254.835,"confidence":0.9472656,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0958140715956688},{"word":"a","start":2254.835,"end":2254.9949,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06971877813339233},{"word":"broker","start":2254.9949,"end":2255.4949,"confidence":0.92700195,"punctuated_word":"broker.","sentiment":"neutral","sentiment_score":0.07070130109786987},{"word":"i","start":2255.795,"end":2255.875,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08165037631988525},{"word":"was","start":2255.875,"end":2256.115,"confidence":0.72558594,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07259870320558548},{"word":"thinking","start":2256.115,"end":2256.515,"confidence":0.8027344,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.09407774358987808},{"word":"going","start":2256.515,"end":2257.015,"confidence":0.5131836,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.0972873643040657},{"word":"direct","start":2257.875,"end":2258.375,"confidence":0.96362305,"punctuated_word":"direct,","sentiment":"neutral","sentiment_score":0.20886985957622528},{"word":"but","start":2258.4348,"end":2258.9348,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.20951808989048004},{"word":"he's","start":2259.075,"end":2259.395,"confidence":0.95410156,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.3383103013038635},{"word":"managed","start":2259.395,"end":2259.7148,"confidence":0.99902344,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.3145115077495575},{"word":"to","start":2259.7148,"end":2259.795,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35490575432777405},{"word":"get","start":2259.795,"end":2259.9548,"confidence":0.9941406,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3757023513317108},{"word":"us","start":2259.9548,"end":2260.1948,"confidence":1.0,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.34688571095466614},{"word":"a","start":2260.1948,"end":2260.6948,"confidence":0.8798828,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3656148612499237},{"word":"slightly","start":2262.18,"end":2262.5798,"confidence":0.99902344,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.30146315693855286},{"word":"better","start":2262.5798,"end":2262.9,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.25243887305259705},{"word":"rate","start":2262.9,"end":2263.14,"confidence":0.9716797,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.41780152916908264},{"word":"than","start":2263.14,"end":2263.3,"confidence":0.95947266,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.30215293169021606},{"word":"what","start":2263.3,"end":2263.38,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.32015305757522583},{"word":"they're","start":2263.38,"end":2263.54,"confidence":0.953125,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.31768667697906494},{"word":"currently","start":2263.54,"end":2263.8599,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.1259225606918335},{"word":"offering","start":2263.8599,"end":2264.3398,"confidence":0.97265625,"punctuated_word":"offering","sentiment":"neutral","sentiment_score":0.19785982370376587},{"word":"on","start":2264.3398,"end":2264.66,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2780097424983978},{"word":"on","start":2264.66,"end":2264.9,"confidence":0.9707031,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2743314504623413},{"word":"market","start":2264.9,"end":2265.4,"confidence":0.95751953,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.24090628325939176},{"word":"he's","start":2270.9,"end":2271.22,"confidence":0.8874512,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.11602471768856049},{"word":"also","start":2271.22,"end":2271.72,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10631626844406128},{"word":"done","start":2271.8599,"end":2272.3599,"confidence":0.99121094,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11385693401098251},{"word":"saint","start":2272.5798,"end":2272.82,"confidence":0.5839844,"punctuated_word":"Saint","sentiment":"neutral","sentiment_score":0.1083076149225235},{"word":"george","start":2272.82,"end":2273.22,"confidence":0.98657227,"punctuated_word":"George,","sentiment":"neutral","sentiment_score":0.097084179520607},{"word":"but","start":2273.22,"end":2273.54,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.042947351932525635},{"word":"they","start":2273.54,"end":2273.78,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.033655304461717606},{"word":"did","start":2273.78,"end":2273.94,"confidence":0.9838867,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.02348889410495758},{"word":"pick","start":2273.94,"end":2274.18,"confidence":0.9741211,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.021707188338041306},{"word":"up","start":2274.18,"end":2274.3398,"confidence":0.9873047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.014619041234254835},{"word":"on","start":2274.3398,"end":2274.66,"confidence":0.9453125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.003544960170984268},{"word":"my","start":2274.66,"end":2274.9,"confidence":0.7626953,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.061054643243551254},{"word":"statement","start":2274.9,"end":2275.4,"confidence":0.96435547,"punctuated_word":"statement.","sentiment":"neutral","sentiment_score":0.0068611688911914825},{"word":"i","start":2275.78,"end":2275.94,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15010377764701843},{"word":"missed","start":2275.94,"end":2276.44,"confidence":0.99316406,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.1327148079872131},{"word":"one","start":2277.22,"end":2277.585,"confidence":0.94384766,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.19575195014476776},{"word":"the","start":2277.665,"end":2277.7449,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21097078919410703},{"word":"home","start":2277.7449,"end":2277.9849,"confidence":0.9091797,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.13761773705482483},{"word":"loan","start":2277.9849,"end":2278.145,"confidence":0.99609375,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.1405870020389557},{"word":"payments","start":2278.145,"end":2278.625,"confidence":0.8249512,"punctuated_word":"payments,","sentiment":"neutral","sentiment_score":-0.15533506870269775},{"word":"but","start":2278.625,"end":2278.785,"confidence":0.9560547,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09582832455635072},{"word":"i","start":2278.785,"end":2279.285,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20048102736473083},{"word":"transferred","start":2279.7449,"end":2280.2449,"confidence":0.96777344,"punctuated_word":"transferred","sentiment":"neutral","sentiment_score":-0.11295197904109956},{"word":"money","start":2280.305,"end":2280.625,"confidence":0.99121094,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.11899622529745102},{"word":"into","start":2280.625,"end":2280.785,"confidence":0.83935547,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.12653082609176636},{"word":"that","start":2280.785,"end":2281.025,"confidence":0.9291992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15611478686332703},{"word":"account","start":2281.025,"end":2281.525,"confidence":0.9284668,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":-0.15085941553115845},{"word":"like","start":2281.585,"end":2281.825,"confidence":0.986084,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16771286725997925},{"word":"two","start":2281.825,"end":2281.9849,"confidence":0.8432617,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.12715642154216766},{"word":"or","start":2281.9849,"end":2282.065,"confidence":0.9165039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10230319947004318},{"word":"three","start":2282.065,"end":2282.2249,"confidence":0.9951172,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1336463838815689},{"word":"days","start":2282.2249,"end":2282.385,"confidence":0.98828125,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.07254035770893097},{"word":"later","start":2282.385,"end":2282.625,"confidence":0.7368164,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":-0.12563925981521606},{"word":"but","start":2282.625,"end":2282.865,"confidence":0.9902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08818557858467102},{"word":"it's","start":2282.865,"end":2282.945,"confidence":0.35809326,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1622130125761032},{"word":"been","start":2282.945,"end":2283.0251,"confidence":0.73095703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.18540123105049133},{"word":"it","start":2283.105,"end":2283.185,"confidence":0.74560547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.22823430597782135},{"word":"was","start":2283.185,"end":2283.345,"confidence":0.5401001,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.1990123689174652},{"word":"like","start":2283.345,"end":2283.585,"confidence":0.9416504,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.14569810032844543},{"word":"still","start":2283.585,"end":2283.905,"confidence":0.4659729,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":-0.1911003738641739},{"word":"so","start":2283.905,"end":2284.405,"confidence":0.20776367,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.18134142458438873},{"word":"but","start":2285.9849,"end":2286.145,"confidence":0.7998047,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1126530021429062},{"word":"nothing","start":2286.145,"end":2286.4648,"confidence":0.82958984,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.23060525953769684},{"word":"on","start":2286.4648,"end":2286.625,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.22299934923648831},{"word":"my","start":2286.625,"end":2286.785,"confidence":0.95947266,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.20943564176559448},{"word":"credit","start":2286.785,"end":2287.185,"confidence":0.9970703,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.07348646223545074},{"word":"score","start":2287.185,"end":2287.685,"confidence":0.9926758,"punctuated_word":"score.","sentiment":"neutral","sentiment_score":-0.10575536638498306},{"word":"yep","start":2297.07,"end":2297.57,"confidence":0.8286133,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1102236956357956},{"word":"yeah","start":2309.595,"end":2309.755,"confidence":0.7824707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04254096746444702},{"word":"so","start":2309.755,"end":2309.9949,"confidence":0.6123047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05999209359288216},{"word":"total","start":2309.9949,"end":2310.4949,"confidence":0.9658203,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.08687768131494522},{"word":"consolidating","start":2310.9548,"end":2311.4548,"confidence":0.9802246,"punctuated_word":"consolidating","sentiment":"neutral","sentiment_score":0.10174617916345596},{"word":"is","start":2311.755,"end":2311.9148,"confidence":0.56640625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04680030792951584},{"word":"6","start":2311.9148,"end":2312.1548,"confidence":0.9921875,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.04089949280023575},{"word":"0","start":2312.1548,"end":2312.6548,"confidence":0.97998047,"punctuated_word":"0","sentiment":"neutral","sentiment_score":0.0059276423417031765},{"word":"6","start":2318.315,"end":2318.555,"confidence":0.99853516,"punctuated_word":"6.","sentiment":"neutral","sentiment_score":0.00999489799141884},{"word":"yeah","start":2318.555,"end":2318.9548,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016304317861795425},{"word":"well","start":2318.9548,"end":2319.275,"confidence":0.9785156,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0006992919370532036},{"word":"that","start":2319.275,"end":2319.6748,"confidence":0.9716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.001933857798576355},{"word":"that","start":2319.6748,"end":2319.9148,"confidence":0.83203125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06338241696357727},{"word":"would","start":2319.9148,"end":2320.1548,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06624975800514221},{"word":"be","start":2320.1548,"end":2320.3948,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08017608523368835},{"word":"the","start":2320.3948,"end":2320.555,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0816526859998703},{"word":"minimum","start":2320.555,"end":2321.055,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.048544980585575104},{"word":"i","start":2321.43,"end":2321.93,"confidence":0.46289062,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10380809754133224},{"word":"i","start":2322.3098,"end":2322.47,"confidence":0.94970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13012564182281494},{"word":"owe","start":2322.47,"end":2322.79,"confidence":0.6003418,"punctuated_word":"owe,","sentiment":"neutral","sentiment_score":-0.05348047614097595},{"word":"yeah","start":2322.79,"end":2323.1099,"confidence":0.8869629,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.03078312426805496},{"word":"for","start":2323.1099,"end":2323.19,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05546528100967407},{"word":"everyone","start":2323.19,"end":2323.69,"confidence":0.8730469,"punctuated_word":"everyone.","sentiment":"neutral","sentiment_score":-0.022296098992228508},{"word":"well","start":2327.1099,"end":2327.43,"confidence":0.9760742,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.004289394244551659},{"word":"wrapping","start":2327.43,"end":2327.75,"confidence":0.6381836,"punctuated_word":"wrapping","sentiment":"neutral","sentiment_score":0.005200468003749847},{"word":"everything","start":2327.75,"end":2328.15,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.030320584774017337},{"word":"up","start":2328.15,"end":2328.3098,"confidence":0.5107422,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.015205539762973784},{"word":"in","start":2328.3098,"end":2328.55,"confidence":0.7734375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.022244028747081757},{"word":"one","start":2328.55,"end":2328.79,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.031222544610500336},{"word":"one","start":2328.79,"end":2329.03,"confidence":0.99121094,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01746920496225357},{"word":"mortgage","start":2329.03,"end":2329.53,"confidence":0.857666,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.026208147406578064},{"word":"essentially","start":2329.75,"end":2330.25,"confidence":0.99609375,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.01937423087656498},{"word":"no","start":2370.1848,"end":2370.6848,"confidence":0.67456055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11787400394678116},{"word":"yeah","start":2449.6301,"end":2450.1301,"confidence":0.7993164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00467846542596817},{"word":"so","start":2450.4302,"end":2450.9302,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004267260432243347},{"word":"dad's","start":2450.99,"end":2451.49,"confidence":0.9760742,"punctuated_word":"dad's","sentiment":"neutral","sentiment_score":-0.014705805107951164},{"word":"retired","start":2451.6301,"end":2452.1301,"confidence":0.99316406,"punctuated_word":"retired.","sentiment":"neutral","sentiment_score":-0.005678616464138031},{"word":"he's","start":2452.35,"end":2452.605,"confidence":0.93530273,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.033548206090927124},{"word":"like","start":2454.125,"end":2454.625,"confidence":0.9848633,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01395782083272934},{"word":"mommy's","start":2455.085,"end":2455.405,"confidence":0.7327474,"punctuated_word":"mommy's","sentiment":"neutral","sentiment_score":0.06550882756710052},{"word":"son","start":2455.405,"end":2455.645,"confidence":0.8874512,"punctuated_word":"son,","sentiment":"neutral","sentiment_score":0.04396367445588112},{"word":"so","start":2455.645,"end":2455.805,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02154994010925293},{"word":"he","start":2455.805,"end":2455.965,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.16635572910308838},{"word":"loves","start":2455.965,"end":2456.205,"confidence":0.90478516,"punctuated_word":"loves","sentiment":"neutral","sentiment_score":0.1682705581188202},{"word":"me","start":2456.205,"end":2456.365,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08382757008075714},{"word":"no","start":2456.365,"end":2456.525,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.02510268986225128},{"word":"matter","start":2456.525,"end":2456.685,"confidence":0.99902344,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.02963336557149887},{"word":"what","start":2456.685,"end":2456.925,"confidence":0.9719238,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":-0.009016703814268112},{"word":"but","start":2456.925,"end":2457.085,"confidence":0.99316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06352276355028152},{"word":"grandma's","start":2457.085,"end":2457.585,"confidence":0.970459,"punctuated_word":"grandma's","sentiment":"neutral","sentiment_score":-0.11852657794952393},{"word":"nicely","start":2457.645,"end":2458.125,"confidence":0.9902344,"punctuated_word":"nicely","sentiment":"neutral","sentiment_score":0.0625012218952179},{"word":"asked","start":2458.125,"end":2458.365,"confidence":0.9902344,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":-0.08648936450481415},{"word":"for","start":2458.365,"end":2458.525,"confidence":0.8378906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14574095606803894},{"word":"it","start":2458.525,"end":2458.605,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.092598594725132},{"word":"back","start":2458.605,"end":2458.845,"confidence":0.96362305,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":-0.14309552311897278},{"word":"which","start":2458.845,"end":2459.165,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.2029303163290024},{"word":"is","start":2459.165,"end":2459.405,"confidence":0.68066406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2396702021360397},{"word":"kinda","start":2459.405,"end":2459.725,"confidence":0.4189453,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.2947845458984375},{"word":"put","start":2459.725,"end":2459.885,"confidence":0.8964844,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.3122555911540985},{"word":"pressure","start":2459.885,"end":2460.205,"confidence":0.99902344,"punctuated_word":"pressure","sentiment":"neutral","sentiment_score":-0.19894564151763916},{"word":"on","start":2460.205,"end":2460.365,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.25620758533477783},{"word":"dad","start":2460.365,"end":2460.605,"confidence":0.9013672,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.22121626138687137},{"word":"to","start":2460.605,"end":2460.925,"confidence":0.49316406,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.20409747958183289},{"word":"like","start":2460.925,"end":2461.2449,"confidence":0.97802734,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12996172904968262},{"word":"hey","start":2461.2449,"end":2461.4849,"confidence":0.94311523,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.04685668647289276},{"word":"can","start":2461.4849,"end":2461.885,"confidence":0.8569336,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.024096176028251648},{"word":"you","start":2461.885,"end":2462.125,"confidence":0.73547363,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.008299339562654495},{"word":"like","start":2462.125,"end":2462.365,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.004586011171340942},{"word":"if","start":2462.525,"end":2462.685,"confidence":0.3569336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.036136604845523834},{"word":"she","start":2462.685,"end":2462.845,"confidence":0.9770508,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.02113957703113556},{"word":"wants","start":2462.845,"end":2463.165,"confidence":0.99609375,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.015284940600395204},{"word":"to","start":2463.165,"end":2463.665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0027997344732284546},{"word":"she","start":2464.285,"end":2464.365,"confidence":0.54833984,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.002255678176879883},{"word":"wants","start":2464.365,"end":2464.605,"confidence":0.95947266,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.021194465458393097},{"word":"to","start":2464.605,"end":2464.685,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002843894064426422},{"word":"do","start":2464.685,"end":2464.845,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00929185003042221},{"word":"the","start":2464.845,"end":2464.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009988144040107729},{"word":"same","start":2464.925,"end":2465.165,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.013314984738826752},{"word":"for","start":2465.165,"end":2465.2449,"confidence":0.90478516,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.009574644267559052},{"word":"the","start":2465.2449,"end":2465.405,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027519889175891876},{"word":"other","start":2465.405,"end":2465.905,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.001804515719413757},{"word":"three","start":2465.965,"end":2466.125,"confidence":0.97998047,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.007909782230854034},{"word":"siblings","start":2466.125,"end":2466.625,"confidence":0.98291016,"punctuated_word":"siblings,","sentiment":"neutral","sentiment_score":0.0107467882335186},{"word":"but","start":2466.765,"end":2467.2449,"confidence":0.96240234,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0029776543378829956},{"word":"she","start":2467.2449,"end":2467.47,"confidence":0.88134766,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.005599964410066605},{"word":"you","start":2467.55,"end":2467.63,"confidence":0.8935547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01425839588046074},{"word":"also","start":2467.63,"end":2467.79,"confidence":0.6923828,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.003707908093929291},{"word":"use","start":2467.79,"end":2467.87,"confidence":0.49902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.00143364816904068},{"word":"the","start":2467.87,"end":2467.95,"confidence":0.8833008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01342245563864708},{"word":"money","start":2467.95,"end":2468.3499,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.004847779870033264},{"word":"that","start":2468.3499,"end":2468.8499,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.020862016826868057},{"word":"currently","start":2468.91,"end":2469.41,"confidence":0.92089844,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.049924373626708984},{"word":"i'm","start":2469.95,"end":2470.03,"confidence":0.9091797,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.027668219059705738},{"word":"holding","start":2470.03,"end":2470.53,"confidence":0.98413086,"punctuated_word":"holding?","sentiment":"neutral","sentiment_score":-0.03352164104580879},{"word":"yeah","start":2478.83,"end":2479.33,"confidence":0.89404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08879736065864563},{"word":"yeah","start":2482.975,"end":2483.375,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.048257168382406235},{"word":"so","start":2483.375,"end":2483.695,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06836707890033722},{"word":"i'm","start":2483.695,"end":2483.855,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04996206611394882},{"word":"open","start":2483.855,"end":2484.355,"confidence":0.9980469,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.13222166895866394},{"word":"to","start":2484.575,"end":2484.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17068155109882355},{"word":"it","start":2484.735,"end":2484.975,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.020058758556842804},{"word":"i'm","start":2484.975,"end":2485.135,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.20938198268413544},{"word":"just","start":2485.135,"end":2485.455,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18694736063480377},{"word":"more","start":2485.455,"end":2485.615,"confidence":0.9921875,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.3292211890220642},{"word":"so","start":2485.615,"end":2485.7751,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2988361120223999},{"word":"worried","start":2485.7751,"end":2486.175,"confidence":1.0,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.28699326515197754},{"word":"about","start":2486.175,"end":2486.655,"confidence":0.99902344,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.4573685228824615},{"word":"the","start":2486.655,"end":2486.815,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3391428291797638},{"word":"yeah","start":2490.895,"end":2491.295,"confidence":0.97509766,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.12301850318908691},{"word":"like","start":2491.295,"end":2491.615,"confidence":0.99316406,"punctuated_word":"Like,","sentiment":"positive","sentiment_score":0.33472180366516113},{"word":"nearly","start":2491.615,"end":2491.935,"confidence":0.9902344,"punctuated_word":"nearly","sentiment":"positive","sentiment_score":0.417536586523056},{"word":"on","start":2491.935,"end":2492.095,"confidence":0.9980469,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4253059923648834},{"word":"my","start":2492.095,"end":2492.2551,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4503180980682373},{"word":"feet","start":2492.2551,"end":2492.495,"confidence":0.9614258,"punctuated_word":"feet","sentiment":"positive","sentiment_score":0.4119378924369812},{"word":"again","start":2492.495,"end":2492.735,"confidence":0.96240234,"punctuated_word":"again,","sentiment":"positive","sentiment_score":0.3605974614620209},{"word":"but","start":2492.735,"end":2493.055,"confidence":0.9152832,"punctuated_word":"but,","sentiment":"positive","sentiment_score":0.34390997886657715},{"word":"like","start":2493.055,"end":2493.375,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.3912556171417236},{"word":"just","start":2493.375,"end":2493.615,"confidence":0.63378906,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4292023181915283},{"word":"would","start":2493.615,"end":2493.855,"confidence":0.88671875,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4356723725795746},{"word":"like","start":2493.855,"end":2494.095,"confidence":0.9921875,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.6109567284584045},{"word":"that","start":2494.095,"end":2494.415,"confidence":0.9941406,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6668997406959534},{"word":"steady","start":2494.415,"end":2494.895,"confidence":0.97998047,"punctuated_word":"steady","sentiment":"positive","sentiment_score":0.6442854404449463},{"word":"income","start":2494.895,"end":2495.295,"confidence":0.98828125,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.5556122064590454},{"word":"flow","start":2495.295,"end":2495.795,"confidence":0.9116211,"punctuated_word":"flow","sentiment":"positive","sentiment_score":0.7002663612365723},{"word":"for","start":2496.0151,"end":2496.27,"confidence":0.93115234,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5224083065986633},{"word":"a","start":2496.51,"end":2496.67,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5381216406822205},{"word":"few","start":2496.67,"end":2496.75,"confidence":0.99902344,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.4748058021068573},{"word":"months","start":2496.75,"end":2497.25,"confidence":0.9555664,"punctuated_word":"months,","sentiment":"positive","sentiment_score":0.5686097145080566},{"word":"especially","start":2497.31,"end":2497.71,"confidence":0.9970703,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.6699205040931702},{"word":"going","start":2497.71,"end":2497.87,"confidence":0.18017578,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.6527653932571411},{"word":"out","start":2497.87,"end":2498.03,"confidence":0.7841797,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6718207001686096},{"word":"to","start":2498.03,"end":2498.11,"confidence":0.8833008,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6208715438842773},{"word":"christmas","start":2498.11,"end":2498.51,"confidence":0.8652344,"punctuated_word":"Christmas.","sentiment":"positive","sentiment_score":0.489946186542511},{"word":"and","start":2498.51,"end":2498.59,"confidence":0.9941406,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4527488648891449},{"word":"then","start":2498.59,"end":2498.75,"confidence":0.9770508,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.40093058347702026},{"word":"after","start":2498.75,"end":2498.91,"confidence":0.9970703,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.5051891207695007},{"word":"that","start":2498.91,"end":2499.15,"confidence":0.9885254,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.572344958782196},{"word":"i'll","start":2499.15,"end":2499.3901,"confidence":0.9777832,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6432176828384399},{"word":"be","start":2499.3901,"end":2499.55,"confidence":0.9838867,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6028651595115662},{"word":"more","start":2499.55,"end":2499.71,"confidence":0.984375,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7289543747901917},{"word":"than","start":2499.71,"end":2499.87,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.6394500136375427},{"word":"happy","start":2499.87,"end":2500.37,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6881886720657349},{"word":"to","start":2502.75,"end":2502.91,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34752529859542847},{"word":"do","start":2502.91,"end":2503.15,"confidence":0.9951172,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.42089226841926575},{"word":"that","start":2503.15,"end":2503.65,"confidence":0.96875,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.35134977102279663},{"word":"so","start":2505.55,"end":2505.71,"confidence":0.6015625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06351155787706375},{"word":"i'm","start":2505.71,"end":2505.79,"confidence":0.98706055,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11811888217926024},{"word":"thinking","start":2505.79,"end":2506.11,"confidence":0.9667969,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.151850163936615},{"word":"like","start":2506.11,"end":2506.35,"confidence":0.57299805,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.15881621837615967},{"word":"what","start":2506.35,"end":2506.43,"confidence":0.9633789,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12378818541765212},{"word":"yeah","start":2508.91,"end":2509.31,"confidence":0.9897461,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0825883150100708},{"word":"like","start":2509.31,"end":2509.47,"confidence":0.9926758,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.08685636520385742},{"word":"how","start":2509.47,"end":2509.71,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.27379676699638367},{"word":"much","start":2509.71,"end":2509.905,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2362048476934433},{"word":"would","start":2509.905,"end":2510.145,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.25581759214401245},{"word":"i","start":2510.145,"end":2510.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2516149878501892},{"word":"need","start":2510.305,"end":2510.385,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.24475423991680145},{"word":"to","start":2510.385,"end":2510.705,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24027596414089203},{"word":"smash","start":2510.705,"end":2510.945,"confidence":0.9951172,"punctuated_word":"smash","sentiment":"negative","sentiment_score":-0.373543381690979},{"word":"into","start":2510.945,"end":2511.2651,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.2730613350868225},{"word":"that","start":2511.2651,"end":2511.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2552897036075592},{"word":"loan","start":2511.585,"end":2511.825,"confidence":0.96972656,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.3215638995170593},{"word":"to","start":2511.825,"end":2512.145,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3150142431259155},{"word":"really","start":2512.145,"end":2512.645,"confidence":0.99316406,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2712213397026062},{"word":"crunch","start":2512.865,"end":2513.185,"confidence":0.99316406,"punctuated_word":"crunch","sentiment":"neutral","sentiment_score":-0.32516440749168396},{"word":"it","start":2513.185,"end":2513.345,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29772040247917175},{"word":"down","start":2513.345,"end":2513.845,"confidence":0.9589844,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":-0.17308038473129272},{"word":"oh","start":2524.4502,"end":2524.6902,"confidence":0.8820801,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.12580710649490356},{"word":"yeah","start":2524.6902,"end":2525.1902,"confidence":0.9746094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08485839515924454},{"word":"yeah","start":2539.575,"end":2540.075,"confidence":0.91430664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008843537420034409},{"word":"yep","start":2553.5898,"end":2554.0898,"confidence":0.7529297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0724261999130249},{"word":"oh","start":2574.065,"end":2574.225,"confidence":0.7441406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04131288081407547},{"word":"yeah","start":2574.225,"end":2574.725,"confidence":0.9655762,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04827621579170227},{"word":"yep","start":2587.05,"end":2587.55,"confidence":0.88012695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0222662091255188},{"word":"but","start":2591.6902,"end":2591.85,"confidence":0.8408203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.022814929485321045},{"word":"i","start":2591.85,"end":2591.9302,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02198898047208786},{"word":"feel","start":2591.9302,"end":2592.1702,"confidence":0.98828125,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.02173992246389389},{"word":"like","start":2592.1702,"end":2592.25,"confidence":0.9428711,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0030606314539909363},{"word":"it's","start":2592.25,"end":2592.4102,"confidence":0.83618164,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.015057144686579704},{"word":"also","start":2592.4102,"end":2592.73,"confidence":0.36499023,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.007249124348163605},{"word":"up","start":2592.73,"end":2592.81,"confidence":0.4885254,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.006312750279903412},{"word":"to","start":2592.81,"end":2592.9702,"confidence":0.90478516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002522602677345276},{"word":"cv","start":2592.9702,"end":2593.29,"confidence":0.6855469,"punctuated_word":"CV","sentiment":"neutral","sentiment_score":-0.03575580567121506},{"word":"as","start":2593.29,"end":2593.53,"confidence":0.94384766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0019665658473968506},{"word":"well","start":2593.53,"end":2593.77,"confidence":0.93188477,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.04014892876148224},{"word":"like","start":2593.77,"end":2594.09,"confidence":0.9941406,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.05362707749009133},{"word":"if","start":2594.09,"end":2594.1702,"confidence":0.94189453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07777369022369385},{"word":"we","start":2594.1702,"end":2594.6702,"confidence":0.9838867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09258851408958436},{"word":"if","start":2594.9702,"end":2595.2202,"confidence":0.46289062,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09638740867376328},{"word":"we","start":2595.2202,"end":2595.525,"confidence":0.9707031,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0879165306687355},{"word":"can't","start":2595.525,"end":2596.025,"confidence":0.16351318,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.0876946896314621},{"word":"eliminate","start":2597.2048,"end":2597.7048,"confidence":0.24572754,"punctuated_word":"eliminate","sentiment":"neutral","sentiment_score":-0.06153460592031479},{"word":"debt","start":2598.005,"end":2598.4849,"confidence":0.48815918,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.09537160396575928},{"word":"yeah","start":2598.4849,"end":2598.9849,"confidence":0.9416504,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04271404817700386},{"word":"they'll","start":2599.2048,"end":2599.525,"confidence":0.88427734,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.0014144753804430366},{"word":"like","start":2599.525,"end":2599.645,"confidence":0.17980957,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0029261037707328796},{"word":"they","start":2599.765,"end":2599.9248,"confidence":0.3334961,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.005696006119251251},{"word":"i","start":2600.005,"end":2600.1648,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02740254253149033},{"word":"know","start":2600.1648,"end":2600.325,"confidence":0.9716797,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.016878768801689148},{"word":"they","start":2600.325,"end":2600.4849,"confidence":0.9741211,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.015179656445980072},{"word":"definitely","start":2600.4849,"end":2600.685,"confidence":0.97509766,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.0351841077208519},{"word":"because","start":2600.885,"end":2601.125,"confidence":0.9111328,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03115316480398178},{"word":"last","start":2601.125,"end":2601.365,"confidence":0.9350586,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.002127699553966522},{"word":"time","start":2601.365,"end":2601.865,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.013417832553386688},{"word":"we","start":2602.565,"end":2602.7249,"confidence":0.8833008,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.013831466436386108},{"word":"went","start":2602.7249,"end":2602.9648,"confidence":0.99121094,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.010813303291797638},{"word":"for","start":2602.9648,"end":2603.125,"confidence":0.7480469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011612795293331146},{"word":"the","start":2603.125,"end":2603.2048,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03505200147628784},{"word":"home","start":2603.2048,"end":2603.4448,"confidence":0.97802734,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.07586519420146942},{"word":"loan","start":2603.4448,"end":2603.6848,"confidence":0.94140625,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":-0.03224702179431915},{"word":"they","start":2603.6848,"end":2603.845,"confidence":0.9921875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.019670791923999783},{"word":"wanted","start":2603.845,"end":2604.1648,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.054877832531929016},{"word":"us","start":2604.1648,"end":2604.4048,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.05556897819042206},{"word":"to","start":2604.4048,"end":2604.7249,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02437559515237808},{"word":"close","start":2604.7249,"end":2605.2249,"confidence":0.99902344,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.048310182988643646},{"word":"basically","start":2605.4448,"end":2605.9448,"confidence":0.6113281,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.028834842145442963},{"word":"all","start":2606.005,"end":2606.2449,"confidence":0.90771484,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.04273637384176254},{"word":"on","start":2606.2449,"end":2606.4048,"confidence":0.15136719,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07219350337982178},{"word":"the","start":2606.4048,"end":2606.565,"confidence":0.39257812,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06677936762571335},{"word":"q1","start":2606.565,"end":2607.065,"confidence":0.2185669,"punctuated_word":"Q1","sentiment":"neutral","sentiment_score":-0.021743878722190857},{"word":"accounts","start":2607.7,"end":2608.02,"confidence":0.59765625,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.07629374414682388},{"word":"locked","start":2608.02,"end":2608.34,"confidence":0.4621582,"punctuated_word":"locked","sentiment":"neutral","sentiment_score":-0.0440828800201416},{"word":"out","start":2608.34,"end":2608.5,"confidence":0.8774414,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07107879221439362},{"word":"today","start":2608.5,"end":2609.0,"confidence":0.72802734,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.006717700511217117},{"word":"and","start":2612.34,"end":2612.74,"confidence":0.6464844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04890451580286026},{"word":"so","start":2612.74,"end":2613.24,"confidence":0.6274414,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04368255287408829},{"word":"yeah","start":2613.7,"end":2614.2,"confidence":0.98706055,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04590677469968796},{"word":"oh","start":2617.06,"end":2617.22,"confidence":0.98657227,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.004728382453322411},{"word":"we","start":2617.22,"end":2617.3801,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00190526619553566},{"word":"got","start":2617.3801,"end":2617.54,"confidence":0.90283203,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.003737920895218849},{"word":"a","start":2617.54,"end":2617.62,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007377609610557556},{"word":"shit","start":2617.62,"end":2617.86,"confidence":0.98828125,"punctuated_word":"shit","sentiment":"neutral","sentiment_score":-0.031715355813503265},{"word":"ton","start":2617.86,"end":2618.36,"confidence":0.9851074,"punctuated_word":"ton.","sentiment":"neutral","sentiment_score":-0.021956320852041245},{"word":"yeah","start":2631.6748,"end":2632.1748,"confidence":0.935791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039770834147930145},{"word":"yep","start":2632.795,"end":2633.295,"confidence":0.9267578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05640704557299614},{"word":"yeah","start":2636.2349,"end":2636.7349,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028468772768974304},{"word":"yep","start":2656.435,"end":2656.935,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0851530060172081},{"word":"awesome","start":2677.1902,"end":2677.6902,"confidence":0.94750977,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7675104737281799},{"word":"well","start":2678.07,"end":2678.535,"confidence":0.72680664,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.2971144914627075},{"word":"alright","start":2683.4949,"end":2683.815,"confidence":0.59814453,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.10248744487762453},{"word":"that's","start":2683.815,"end":2684.055,"confidence":0.7663574,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.028307847678661343},{"word":"a","start":2684.055,"end":2684.135,"confidence":0.5566406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05994006618857384},{"word":"dry","start":2684.135,"end":2684.375,"confidence":0.17346191,"punctuated_word":"dry","sentiment":"neutral","sentiment_score":-0.11592300236225128},{"word":"egg","start":2684.375,"end":2684.535,"confidence":0.12286377,"punctuated_word":"egg","sentiment":"neutral","sentiment_score":-0.08618248999118805},{"word":"block","start":2684.535,"end":2684.775,"confidence":0.8137207,"punctuated_word":"block.","sentiment":"neutral","sentiment_score":-0.049382127821445465},{"word":"i","start":2684.775,"end":2684.9348,"confidence":0.5332031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13217878341674805},{"word":"wasn't","start":2684.9348,"end":2685.1748,"confidence":0.9580078,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.10987496376037598},{"word":"expecting","start":2685.1748,"end":2685.655,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.15020954608917236},{"word":"it","start":2685.655,"end":2686.155,"confidence":0.9020996,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04337550699710846},{"word":"fantastic","start":2700.35,"end":2700.85,"confidence":0.767334,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.665911078453064},{"word":"no","start":2700.99,"end":2701.2302,"confidence":0.71447754,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.25410211086273193},{"word":"thank","start":2701.2302,"end":2701.3901,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5858604907989502},{"word":"you","start":2701.3901,"end":2701.4702,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6480264067649841},{"word":"so","start":2701.4702,"end":2701.6301,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6538141965866089},{"word":"much","start":2701.6301,"end":2701.79,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6927409768104553},{"word":"for","start":2701.79,"end":2701.87,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5678245425224304},{"word":"your","start":2701.87,"end":2702.03,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5139336585998535},{"word":"time","start":2702.03,"end":2702.27,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7333794236183167},{"word":"appreciate","start":2702.27,"end":2702.75,"confidence":0.9786784,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.7336307764053345},{"word":"it","start":2702.75,"end":2703.25,"confidence":0.9692383,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6472079753875732},{"word":"alright","start":2706.83,"end":2707.33,"confidence":0.88183594,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.5110489130020142},{"word":"have","start":2707.4702,"end":2707.6301,"confidence":0.91259766,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6236338019371033},{"word":"a","start":2707.6301,"end":2707.8096,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5920629501342773},{"word":"good","start":2707.8096,"end":2707.989,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5307086706161499}],"paragraphs":{"transcript":"\nHey. Oh, that tastes better. Yeah. Liliana. Correct.\n\nFor shit, eleven, nearly twelve years now. So and I promise her she could say I say my mom is wrong as I live. So yeah. I think it looks $5. So only for a few years that shows a a retail manager.\n\nIt's roughly between 7 and 8 k from memory. July. Oh, sorry. We've just been cutting in and out. Yep.\n\nWe finally got you. No. I was just saying to your colleague before, I did have June and July off work. Essentially, left my workplace, and it's only until early August. So I had a job, so I could have claimed financial hardship back, yeah, Last month.\n\nYep. Yes. Yep. $1.75. Could is there a way to do a joint, yeah, like you said, just server account?\n\nLike, is there a way to add her name to my account and then that sort of counts as her server account? Or is it just individual across the board? Damn. Yeah. Don't feel like getting the phones.\n\nYeah. No. We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible. So just currently got a claim in the last year and this financial year. So I think it's actually yeah.\n\nShe it's not gonna be a lot, but at least it should've been something that's all gone. Yeah. Family tax a and b. Alliance Yeah. Payment.\n\nYeah. I have to double check that because I know there's two there's a payment and there's a layout. It's a pretty short payment. She's on one $1.60 or something. Yeah.\n\nYeah. Yeah. How much is the okay. Well, I mean, something's better than nothing. So and I'll keep forgetting it.\n\nIt's it's her. So, yeah, she can find financial hardship or not. But $5.06. Yeah. Alright.\n\nYeah. So I might I'll go on her ATA, click on financial hardship. What are they gonna ask for? Do you know? Yep.\n\nOkay. Yep. Yeah. Yeah. I already have.\n\nYep. Went to the the Bank of Dad. I know. Yes. Trying to throw a lot of it too much, but, yeah, it just made us a withdrawal a little bit.\n\nYep. Yeah. Absolutely. Yep. Yeah.\n\nYeah. Well, I Yep. Yep. Cool. That's fantastic.\n\nThat's yeah. So we still need that q two form? Okay. Yes. Well, say if we got the family tax a and b as well, would that help?\n\nOr because I think we got a decision next week whether it's approved or not. Right. Oh, hang on. Got it on. Elle Eldis has ASD.\n\nSo, yeah, she was she actually got our NDIS what do you call them? Like, account manager or whatever it is. They actually advised her to gonna get her because she was eligible. I do have a doc saved statement. No.\n\nNot that one. Here we go. Carriage allowance, $16,264.09. Yeah. Are there any other satellite payments that would be eligible?\n\nNo. That was enough. She's five months. Thank you. She's very cute, actually.\n\nWhat was that? Sorry. No. I shall sleep in our bed, actually, or in my arms, but, yeah, that's about it. Yeah.\n\nThat's it. I mean, our bed is pretty comfy compared to a pretty stiff coat mattress. Can't can't blame Yep. It's Stanley technical income support? Really?\n\nDamn. I'm still gonna have a shot in the dark. Or I can if we actually get in front of a Centrelink person and just say, hey. Look. We owe my dad money, and I'll get that that deck off him And so, look, we have this held up.\n\nIt'd be great to get it if we can fill out a q two thirty form and then have you do something with it. Yeah. Oh, okay. Yep. Okay.\n\nOh, yep. Yep. Yep. Yeah. Yep.\n\nYeah. And I'd like to be with Hub twenty four as well. Nah. I like being with Hub twenty four. Oh, okay.\n\nYeah. I can hear it. A massive amount. Yeah. It's not like there's a 100 k's in there.\n\nWell, that was, yeah, that was my absolute plan. Being able to open up the Huddl twenty four account for her, and I do, like, a a weekly, I don't know, $50,100 dollar top up to keep it going. And then, yeah, transfer that 7 or 8 grand into that. Yep. Yep.\n\nYeah. K. That's the tax rebate. Yep. Yep.\n\nYep. Yep. Well, I'm thinking out loud because, like, my salary goes up every year. So once I hit that $1, that $1 and $3, is that does it have to be done in the lump sum, or can it be, like, over the year? Like, can I do, like, a pretty what do you call it?\n\nPretax. Yeah. Oh, okay. Yep. Yeah.\n\nBecause I'm thinking, well, I could do the personal, you know, month's not the baby, and then the $3. I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount. So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa week. Yep. Oh, actually, yeah.\n\nYeah. No. So 12.5 would have to be solely into wine. So if anything, it's gonna be a salary sacrifice after that, which one I'm okay with. No.\n\nNo. That's basically possible. Yeah. Yeah. Okay.\n\nAlright. Well, I'll be yeah. I'll probably have you just done. Yeah. I'm gonna pay fortnightly.\n\nNot really. Like, I'm mostly thinking long term. Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh. By the time we retire, which is funny. Yeah.\n\nSo if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts. Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something. Well, it would be hers. Like, I'm more than happy for her to have a half decent super account come out of retirement. So yeah.\n\nTanika. Yep. Yep. Yeah. Yeah.\n\nYeah. That's good. Because, yeah, looking to open up four accounts for each child and start just putting a bit on the way there, but also refinancing to consolidate all our debt, which ends up working out a little bit better for us. But we're also trying to withdraw a little bit more cash out of the house to invest as well. So I'm hoping for an extra extra 40.\n\nI was just waiting for that settling, whatever. Yep. Yep. Okay. So let's work on next week.\n\nLet's see. She's got dance on Thursday. Wednesday is no good either. That'd be either Monday, Tuesday, or Friday next week. And then I would have to leave work a little bit early to be home, so sometime after 03:30 if possible.\n\nOh my god. Did you do that? Yeah. Do that. No.\n\nThat's that's good. We can do either. I'm not fast. I've I think I've got the app on my phone. Yep.\n\nMy loans, like, all of them? Yep. So main home loan is $2.91. The fixed mortgage, which is now variable now, is $1.68. Okay?\n\nSo, yeah, that'll be my $4.69. My car loan is currently sitting at 20 k. Got a Zip Pay account that's got 8 k on it. My credit card's got plugs on it. I owe my dad $13.5.\n\nAnd my grandmother, 100 Dale. So she likes to make money off us grandkids and even her kids, so she's actually quite well off. But at the time, I had a deposit up from COVID, but yeah. Sorry. For our house, but COVID hit.\n\nAnd then, essentially, she said, look. I'll give you a $100 if you pay me 12% interest per kid, which I said, yes. Alright. Cool. So that's the pay the power off anyway to get the home loan covered.\n\nSo out of five years, paid a $5 a year to have it. And then, yeah, I thought it'd just be nice to pay you back. So but I don't have to keep worrying about paying the $500 every month. Yep. Yes.\n\nCurrently going down CBA at the moment. So I've been approved for six, six days, but they said if we did wanna wait another week until the letter came with their decision the so we said yes to that. So, yeah, we're just wanting to to get the tax and AFA. We went through a broker. I was thinking going direct, but he's managed to get us a slightly better rate than what they're currently offering on on market.\n\nHe's also done Saint George, but they did pick up on my statement. I missed one the home loan payments, but I transferred money into that account, like, two or three days later, but it's been it was, like, still, so but nothing on my credit score. Yep. Yeah. So total consolidating is 6 0 6.\n\nYeah. Well, that that would be the minimum I I owe, yeah, for everyone. Well, wrapping everything up in one one mortgage, essentially. No. Yeah.\n\nSo dad's retired. He's like, mommy's son, so he loves me no matter what. But grandma's nicely asked for it back, which is kinda put pressure on dad to, like, hey. Can you, like if she wants to she wants to do the same for the other three siblings, but she you also use the money that currently I'm holding? Yeah.\n\nYeah. So I'm open to it. I'm just more so worried about the yeah. Like, nearly on my feet again, but, like, just would like that steady income flow for a few months, especially going out to Christmas. And then after that, I'll be more than happy to do that.\n\nSo I'm thinking like, what yeah. Like, how much would I need to smash into that loan to really crunch it down? Oh, yeah. Yeah. Yep.\n\nOh, yeah. Yep. But I feel like it's also up to CV as well. Like, if we if we can't eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today. And so yeah.\n\nOh, we got a shit ton. Yeah. Yep. Yeah. Yep.\n\nAwesome. Well, alright. That's a dry egg block. I wasn't expecting it. Fantastic.\n\nNo. Thank you so much for your time. Appreciate it. Alright. Have a good","paragraphs":[{"sentences":[{"text":"Hey.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.2318841814994812},{"text":"Oh, that tastes better.","start":4.48,"end":5.54,"sentiment":"positive","sentiment_score":0.4496462643146515},{"text":"Yeah.","start":19.075,"end":19.575,"sentiment":"neutral","sentiment_score":0.020629769191145897},{"text":"Liliana.","start":19.635,"end":20.135,"sentiment":"neutral","sentiment_score":0.05531554296612739},{"text":"Correct.","start":47.845,"end":48.345,"sentiment":"neutral","sentiment_score":0.00900302454829216}],"sentiment":"neutral","sentiment_score":0.2644271969329566,"num_words":8,"start":1.68,"end":48.345},{"sentences":[{"text":"For shit, eleven, nearly twelve years now.","start":50.485,"end":53.629997,"sentiment":"negative","sentiment_score":-0.39212269868169514},{"text":"So and I promise her she could say I say my mom is wrong as I live.","start":53.629997,"end":60.55,"sentiment":"neutral","sentiment_score":-0.24141611509463368},{"text":"So yeah.","start":60.55,"end":61.699997,"sentiment":"neutral","sentiment_score":-0.08693232759833336},{"text":"I think it looks $5.","start":76.445,"end":78.81,"sentiment":"neutral","sentiment_score":-0.003856066521257162},{"text":"So only for a few years that shows a a retail manager.","start":78.81,"end":82.83,"sentiment":"neutral","sentiment_score":-0.008754354125509659}],"sentiment":"neutral","sentiment_score":-0.1662123275509234,"num_words":43,"start":50.485,"end":82.83},{"sentences":[{"text":"It's roughly between 7 and 8 k from memory.","start":87.29,"end":90.909996,"sentiment":"neutral","sentiment_score":-0.02006335722075568},{"text":"July.","start":178.605,"end":179.105,"sentiment":"neutral","sentiment_score":-0.05707714706659317},{"text":"Oh, sorry.","start":182.685,"end":183.085,"sentiment":"neutral","sentiment_score":-0.18642457574605942},{"text":"We've just been cutting in and out.","start":183.085,"end":184.525,"sentiment":"neutral","sentiment_score":-0.26033637140478405},{"text":"Yep.","start":184.525,"end":184.725,"sentiment":"neutral","sentiment_score":0.08535830676555634}],"sentiment":"neutral","sentiment_score":-0.11737464033067227,"num_words":20,"start":87.29,"end":184.725},{"sentences":[{"text":"We finally got you.","start":184.725,"end":185.905,"sentiment":"neutral","sentiment_score":0.08121957257390022},{"text":"No.","start":188.605,"end":188.765,"sentiment":"neutral","sentiment_score":-0.2357117235660553},{"text":"I was just saying to your colleague before, I did have June and July off work.","start":188.765,"end":194.95,"sentiment":"neutral","sentiment_score":-0.1360846133902669},{"text":"Essentially, left my workplace, and it's only until early August.","start":195.96999,"end":200.93,"sentiment":"neutral","sentiment_score":-0.16240030378103257},{"text":"So I had a job, so I could have claimed financial hardship back, yeah, Last month.","start":200.93,"end":211.005,"sentiment":"neutral","sentiment_score":-0.19053818937391043}],"sentiment":"neutral","sentiment_score":-0.14384683649590674,"num_words":47,"start":184.725,"end":211.005},{"sentences":[{"text":"Yep.","start":219.86,"end":220.36,"sentiment":"neutral","sentiment_score":-0.0683198794722557},{"text":"Yes.","start":222.34,"end":222.84,"sentiment":"neutral","sentiment_score":-0.007406754419207573},{"text":"Yep.","start":245.695,"end":246.195,"sentiment":"neutral","sentiment_score":0.012428591959178448},{"text":"$1.75.","start":252.33,"end":253.55,"sentiment":"neutral","sentiment_score":0.0023901648819446564},{"text":"Could is there a way to do a joint, yeah, like you said, just server account?","start":303.54,"end":313.86002,"sentiment":"neutral","sentiment_score":0.029875655891373754}],"sentiment":"neutral","sentiment_score":0.020855130860581994,"num_words":20,"start":219.86,"end":313.86002},{"sentences":[{"text":"Like, is there a way to add her name to my account and then that sort of counts as her server account?","start":313.86002,"end":321.255,"sentiment":"neutral","sentiment_score":0.029197874732992866},{"text":"Or is it just individual across the board?","start":321.255,"end":323.675,"sentiment":"neutral","sentiment_score":-0.01664830418303609},{"text":"Damn.","start":326.775,"end":327.275,"sentiment":"neutral","sentiment_score":-0.22882835566997528},{"text":"Yeah.","start":358.19498,"end":358.675,"sentiment":"neutral","sentiment_score":0.011843264102935793},{"text":"Don't feel like getting the phones.","start":358.675,"end":371.82,"sentiment":"neutral","sentiment_score":-0.15301265815893808}],"sentiment":"neutral","sentiment_score":-0.01647090078576615,"num_words":38,"start":313.86002,"end":371.82},{"sentences":[{"text":"Yeah.","start":371.82,"end":372.32,"sentiment":"neutral","sentiment_score":-0.015596428886055946},{"text":"No.","start":383.105,"end":383.345,"sentiment":"neutral","sentiment_score":-0.17626938223838806},{"text":"We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible.","start":383.345,"end":396.38,"sentiment":"neutral","sentiment_score":-0.02871153018038188},{"text":"So just currently got a claim in the last year and this financial year.","start":396.44,"end":401.175,"sentiment":"neutral","sentiment_score":-0.021660689796720232},{"text":"So I think it's actually yeah.","start":401.175,"end":403.495,"sentiment":"neutral","sentiment_score":-0.022900714228550594}],"sentiment":"neutral","sentiment_score":-0.02872885197401047,"num_words":50,"start":371.82,"end":403.495},{"sentences":[{"text":"She it's not gonna be a lot, but at least it should've been something that's all gone.","start":403.495,"end":407.03497,"sentiment":"neutral","sentiment_score":-0.259163061485571},{"text":"Yeah.","start":409.25497,"end":409.75497,"sentiment":"neutral","sentiment_score":-0.00483243353664875},{"text":"Family tax a and b.","start":415.7,"end":417.48,"sentiment":"neutral","sentiment_score":-0.005852332152426243},{"text":"Alliance Yeah.","start":424.26,"end":426.19498,"sentiment":"neutral","sentiment_score":0.007486906135454774},{"text":"Payment.","start":426.19498,"end":426.69498,"sentiment":"neutral","sentiment_score":-0.017566625028848648}],"sentiment":"neutral","sentiment_score":-0.1708638058581318,"num_words":26,"start":403.495,"end":426.69498},{"sentences":[{"text":"Yeah.","start":428.03497,"end":428.35498,"sentiment":"neutral","sentiment_score":-0.015795601531863213},{"text":"I have to double check that because I know there's two there's a payment and there's a layout.","start":428.35498,"end":431.79498,"sentiment":"neutral","sentiment_score":-0.05582961791919337},{"text":"It's a pretty short payment.","start":431.79498,"end":433.25497,"sentiment":"neutral","sentiment_score":-0.09257555305957794},{"text":"She's on one $1.60 or something.","start":450.735,"end":454.035,"sentiment":"neutral","sentiment_score":0.030460227901736896},{"text":"Yeah.","start":456.895,"end":457.395,"sentiment":"neutral","sentiment_score":0.04090922325849533}],"sentiment":"neutral","sentiment_score":-0.04064309350665538,"num_words":31,"start":428.03497,"end":457.395},{"sentences":[{"text":"Yeah.","start":475.28003,"end":475.78003,"sentiment":"neutral","sentiment_score":0.016606707125902176},{"text":"Yeah.","start":507.015,"end":507.415,"sentiment":"neutral","sentiment_score":-0.057711608707904816},{"text":"How much is the okay.","start":507.415,"end":512.935,"sentiment":"neutral","sentiment_score":0.019534320384263993},{"text":"Well, I mean, something's better than nothing.","start":512.935,"end":514.855,"sentiment":"neutral","sentiment_score":-0.03672572438205991},{"text":"So and I'll keep forgetting it.","start":514.855,"end":516.215,"sentiment":"neutral","sentiment_score":-0.16595942402879396}],"sentiment":"neutral","sentiment_score":-0.059813495725393295,"num_words":20,"start":475.28003,"end":516.215},{"sentences":[{"text":"It's it's her.","start":516.215,"end":516.855,"sentiment":"neutral","sentiment_score":-0.04157744844754537},{"text":"So, yeah, she can find financial hardship or not.","start":516.855,"end":526.74,"sentiment":"neutral","sentiment_score":0.02576593475209342},{"text":"But $5.06.","start":526.74,"end":527.86,"sentiment":"neutral","sentiment_score":-0.01178946252912283},{"text":"Yeah.","start":527.86,"end":528.36,"sentiment":"neutral","sentiment_score":0.06227896362543106},{"text":"Alright.","start":529.7,"end":530.2,"sentiment":"neutral","sentiment_score":0.0991140827536583}],"sentiment":"neutral","sentiment_score":0.015310949296690524,"num_words":16,"start":516.215,"end":530.2},{"sentences":[{"text":"Yeah.","start":532.095,"end":532.255,"sentiment":"neutral","sentiment_score":0.09011678397655488},{"text":"So I might I'll go on her ATA, click on financial hardship.","start":532.255,"end":536.33496,"sentiment":"neutral","sentiment_score":0.050923538549492754},{"text":"What are they gonna ask for?","start":536.33496,"end":538.015,"sentiment":"neutral","sentiment_score":0.03071617583433787},{"text":"Do you know?","start":538.015,"end":538.675,"sentiment":"neutral","sentiment_score":0.018048944572607677},{"text":"Yep.","start":567.805,"end":568.305,"sentiment":"neutral","sentiment_score":0.08329321444034576}],"sentiment":"neutral","sentiment_score":0.04447549346672452,"num_words":23,"start":532.095,"end":568.305},{"sentences":[{"text":"Okay.","start":572.91,"end":573.41,"sentiment":"neutral","sentiment_score":0.08504185825586319},{"text":"Yep.","start":593.965,"end":594.465,"sentiment":"neutral","sentiment_score":-0.01464188750833273},{"text":"Yeah.","start":631.9,"end":632.14,"sentiment":"neutral","sentiment_score":-0.0533626414835453},{"text":"Yeah.","start":632.14,"end":632.3,"sentiment":"neutral","sentiment_score":-0.05623849853873253},{"text":"I already have.","start":632.3,"end":633.12,"sentiment":"neutral","sentiment_score":-0.07698636005322139}],"sentiment":"neutral","sentiment_score":-0.038594321347773075,"num_words":7,"start":572.91,"end":633.12},{"sentences":[{"text":"Yep.","start":637.26,"end":637.76,"sentiment":"neutral","sentiment_score":0.015566058456897736},{"text":"Went to the the Bank of Dad.","start":639.34,"end":641.68,"sentiment":"neutral","sentiment_score":0.01584107069564717},{"text":"I know.","start":645.315,"end":645.97504,"sentiment":"neutral","sentiment_score":-0.03531269636005163},{"text":"Yes.","start":648.435,"end":648.935,"sentiment":"neutral","sentiment_score":0.005172282457351685},{"text":"Trying to throw a lot of it too much, but, yeah, it just made us a withdrawal a little bit.","start":649.23505,"end":653.41504,"sentiment":"neutral","sentiment_score":-0.13943343833088875}],"sentiment":"neutral","sentiment_score":-0.08798930075980964,"num_words":31,"start":637.26,"end":653.41504},{"sentences":[{"text":"Yep.","start":663.85,"end":664.35,"sentiment":"neutral","sentiment_score":0.04009513929486275},{"text":"Yeah.","start":674.83496,"end":675.15497,"sentiment":"neutral","sentiment_score":-0.03227442130446434},{"text":"Absolutely.","start":675.15497,"end":675.65497,"sentiment":"neutral","sentiment_score":0.011382941156625748},{"text":"Yep.","start":676.115,"end":676.615,"sentiment":"neutral","sentiment_score":-0.013345470651984217},{"text":"Yeah.","start":691.41,"end":691.73,"sentiment":"neutral","sentiment_score":-0.11643500626087187}],"sentiment":"neutral","sentiment_score":-0.022115363553166387,"num_words":5,"start":663.85,"end":691.73},{"sentences":[{"text":"Yeah.","start":691.73,"end":692.23,"sentiment":"neutral","sentiment_score":-0.037392135709524155},{"text":"Well, I Yep.","start":693.09,"end":702.57495,"sentiment":"neutral","sentiment_score":0.018883781197170418},{"text":"Yep.","start":703.595,"end":704.095,"sentiment":"neutral","sentiment_score":0.06645020842552185},{"text":"Cool.","start":713.42,"end":713.92,"sentiment":"neutral","sentiment_score":0.16449379920959473},{"text":"That's fantastic.","start":714.38,"end":715.14,"sentiment":"positive","sentiment_score":0.6617538928985596}],"sentiment":"neutral","sentiment_score":0.19671387516427785,"num_words":8,"start":691.73,"end":715.14},{"sentences":[{"text":"That's yeah.","start":715.14,"end":716.72,"sentiment":"neutral","sentiment_score":0.2854781299829483},{"text":"So we still need that q two form?","start":721.26,"end":723.2,"sentiment":"neutral","sentiment_score":0.020625657751224935},{"text":"Okay.","start":726.665,"end":727.165,"sentiment":"neutral","sentiment_score":0.03203041851520538},{"text":"Yes.","start":768.305,"end":768.805,"sentiment":"neutral","sentiment_score":0.16176822781562805},{"text":"Well, say if we got the family tax a and b as well, would that help?","start":789.015,"end":792.29504,"sentiment":"neutral","sentiment_score":0.08497751876711845}],"sentiment":"neutral","sentiment_score":0.08176430244930089,"num_words":28,"start":715.14,"end":792.29504},{"sentences":[{"text":"Or because I think we got a decision next week whether it's approved or not.","start":792.29504,"end":800.32996,"sentiment":"neutral","sentiment_score":-0.002357402133444945},{"text":"Right.","start":815.035,"end":815.535,"sentiment":"neutral","sentiment_score":0.013624366372823715},{"text":"Oh, hang on.","start":821.98004,"end":822.96,"sentiment":"neutral","sentiment_score":-0.06869317715366681},{"text":"Got it on.","start":823.5,"end":824.4,"sentiment":"neutral","sentiment_score":-0.02093915610263745},{"text":"Elle Eldis has ASD.","start":825.66003,"end":829.04004,"sentiment":"neutral","sentiment_score":-0.04190291743725538}],"sentiment":"neutral","sentiment_score":-0.017624820582568645,"num_words":26,"start":792.29504,"end":829.04004},{"sentences":[{"text":"So, yeah, she was she actually got our NDIS what do you call them?","start":831.58,"end":840.29504,"sentiment":"neutral","sentiment_score":-0.004294847803456443},{"text":"Like, account manager or whatever it is.","start":840.29504,"end":841.97504,"sentiment":"neutral","sentiment_score":-0.016255939113242284},{"text":"They actually advised her to gonna get her because she was eligible.","start":841.97504,"end":845.91504,"sentiment":"neutral","sentiment_score":0.017514570616185665},{"text":"I do have a doc saved statement.","start":851.12,"end":856.5,"sentiment":"neutral","sentiment_score":0.06490039612565722},{"text":"No.","start":857.28,"end":857.68,"sentiment":"neutral","sentiment_score":-0.15907421708106995}],"sentiment":"neutral","sentiment_score":0.008084974637845667,"num_words":41,"start":831.58,"end":857.68},{"sentences":[{"text":"Not that one.","start":857.68,"end":858.58,"sentiment":"neutral","sentiment_score":-0.1981839338938395},{"text":"Here we go.","start":861.165,"end":861.985,"sentiment":"neutral","sentiment_score":-0.026109992216030758},{"text":"Carriage allowance, $16,264.09.","start":862.205,"end":866.545,"sentiment":"neutral","sentiment_score":-0.0058936066925525665},{"text":"Yeah.","start":872.765,"end":873.265,"sentiment":"neutral","sentiment_score":0.05724295973777771},{"text":"Are there any other satellite payments that would be eligible?","start":930.16,"end":934.01996,"sentiment":"neutral","sentiment_score":0.026713698543608187}],"sentiment":"neutral","sentiment_score":-0.018309132661670446,"num_words":20,"start":857.68,"end":934.01996},{"sentences":[{"text":"No.","start":948.495,"end":948.975,"sentiment":"neutral","sentiment_score":-0.06599757075309753},{"text":"That was enough.","start":948.975,"end":949.795,"sentiment":"neutral","sentiment_score":-0.046157157669464745},{"text":"She's five months.","start":960.56,"end":961.54,"sentiment":"neutral","sentiment_score":0.02031657223900159},{"text":"Thank you.","start":965.04,"end":965.77997,"sentiment":"positive","sentiment_score":0.5610504448413849},{"text":"She's very cute, actually.","start":966.63995,"end":973.925,"sentiment":"positive","sentiment_score":0.3342190897092223}],"sentiment":"neutral","sentiment_score":0.17811214780578247,"num_words":13,"start":948.495,"end":973.925},{"sentences":[{"text":"What was that?","start":974.545,"end":975.105,"sentiment":"neutral","sentiment_score":-0.007914427357415358},{"text":"Sorry.","start":975.105,"end":975.605,"sentiment":"neutral","sentiment_score":-0.02414526417851448},{"text":"No.","start":979.185,"end":979.65,"sentiment":"neutral","sentiment_score":-0.07170390337705612},{"text":"I shall sleep in our bed, actually, or in my arms, but, yeah, that's about it.","start":981.57,"end":986.55005,"sentiment":"neutral","sentiment_score":-0.0013511627039406449},{"text":"Yeah.","start":990.21,"end":990.45,"sentiment":"neutral","sentiment_score":0.12944641709327698}],"sentiment":"neutral","sentiment_score":-0.0005347561726177281,"num_words":22,"start":974.545,"end":990.45},{"sentences":[{"text":"That's it.","start":990.45,"end":991.09,"sentiment":"neutral","sentiment_score":0.08976451680064201},{"text":"I mean, our bed is pretty comfy compared to a pretty stiff coat mattress.","start":991.09,"end":995.33496,"sentiment":"neutral","sentiment_score":0.23395098107201712},{"text":"Can't can't blame Yep.","start":1001.955,"end":1031.405,"sentiment":"neutral","sentiment_score":-0.05444244295358658},{"text":"It's Stanley technical income support?","start":1051.655,"end":1053.5951,"sentiment":"neutral","sentiment_score":-0.03950773701071739},{"text":"Really?","start":1056.2151,"end":1056.7151,"sentiment":"neutral","sentiment_score":-0.10802556574344636}],"sentiment":"neutral","sentiment_score":0.112750336384544,"num_words":26,"start":990.45,"end":1056.7151},{"sentences":[{"text":"Damn.","start":1062.295,"end":1062.795,"sentiment":"neutral","sentiment_score":-0.2984507083892822},{"text":"I'm still gonna have a shot in the dark.","start":1064.775,"end":1066.48,"sentiment":"negative","sentiment_score":-0.43567850523524815},{"text":"Or I can if we actually get in front of a Centrelink person and just say, hey.","start":1066.48,"end":1071.54,"sentiment":"neutral","sentiment_score":-0.11589202284812927},{"text":"Look.","start":1071.6,"end":1071.92,"sentiment":"neutral","sentiment_score":-0.1544167697429657},{"text":"We owe my dad money, and I'll get that that deck off him And so, look, we have this held up.","start":1071.92,"end":1081.205,"sentiment":"neutral","sentiment_score":-0.18848827108740807}],"sentiment":"neutral","sentiment_score":-0.21025290013271936,"num_words":49,"start":1062.295,"end":1081.205},{"sentences":[{"text":"It'd be great to get it if we can fill out a q two thirty form and then have you do something with it.","start":1081.2649,"end":1088.965,"sentiment":"neutral","sentiment_score":0.2144965368012587},{"text":"Yeah.","start":1090.88,"end":1091.38,"sentiment":"neutral","sentiment_score":-0.14976173639297485},{"text":"Oh, okay.","start":1097.7599,"end":1098.48,"sentiment":"neutral","sentiment_score":0.02663643006235361},{"text":"Yep.","start":1098.48,"end":1098.98,"sentiment":"neutral","sentiment_score":0.0953243523836136},{"text":"Okay.","start":1105.175,"end":1105.675,"sentiment":"neutral","sentiment_score":-0.0569290965795517}],"sentiment":"neutral","sentiment_score":0.17551114699193116,"num_words":29,"start":1081.2649,"end":1105.675},{"sentences":[{"text":"Oh, yep.","start":1112.375,"end":1113.675,"sentiment":"neutral","sentiment_score":-0.026512674055993557},{"text":"Yep.","start":1131.815,"end":1132.315,"sentiment":"neutral","sentiment_score":0.04233019798994064},{"text":"Yep.","start":1141.655,"end":1142.155,"sentiment":"neutral","sentiment_score":-0.1808190196752548},{"text":"Yeah.","start":1146.455,"end":1146.87,"sentiment":"neutral","sentiment_score":-0.09130901098251344},{"text":"Yep.","start":1165.985,"end":1166.485,"sentiment":"neutral","sentiment_score":0.22276157140731812}],"sentiment":"neutral","sentiment_score":-0.010010268228749434,"num_words":6,"start":1112.375,"end":1166.485},{"sentences":[{"text":"Yeah.","start":1190.1799,"end":1190.6799,"sentiment":"neutral","sentiment_score":0.03044259175658226},{"text":"And I'd like to be with Hub twenty four as well.","start":1190.935,"end":1193.675,"sentiment":"neutral","sentiment_score":-0.09115048701112921},{"text":"Nah.","start":1194.855,"end":1195.255,"sentiment":"neutral","sentiment_score":-0.005844682455062866},{"text":"I like being with Hub twenty four.","start":1195.255,"end":1196.9551,"sentiment":"neutral","sentiment_score":0.06276448017784528},{"text":"Oh, okay.","start":1197.095,"end":1201.8351,"sentiment":"neutral","sentiment_score":0.09947371482849121}],"sentiment":"neutral","sentiment_score":-0.015443575314500115,"num_words":22,"start":1190.1799,"end":1201.8351},{"sentences":[{"text":"Yeah.","start":1217.78,"end":1218.28,"sentiment":"neutral","sentiment_score":-0.01773248426616192},{"text":"I can hear it.","start":1218.74,"end":1225.125,"sentiment":"neutral","sentiment_score":-0.004075400065630674},{"text":"A massive amount.","start":1229.945,"end":1230.825,"sentiment":"neutral","sentiment_score":-0.1362731953461965},{"text":"Yeah.","start":1230.825,"end":1231.065,"sentiment":"neutral","sentiment_score":0.015873240306973457},{"text":"It's not like there's a 100 k's in there.","start":1231.065,"end":1240.3926,"sentiment":"neutral","sentiment_score":-0.17355289517177475}],"sentiment":"neutral","sentiment_score":-0.11049758260034853,"num_words":18,"start":1217.78,"end":1240.3926},{"sentences":[{"text":"Well, that was, yeah, that was my absolute plan.","start":1275.0751,"end":1280.1151,"sentiment":"neutral","sentiment_score":0.32008412811491227},{"text":"Being able to open up the Huddl twenty four account for her, and I do, like, a a weekly, I don't know, $50,100 dollar top up to keep it going.","start":1280.1151,"end":1292.2001,"sentiment":"positive","sentiment_score":0.4053214768568675},{"text":"And then, yeah, transfer that 7 or 8 grand into that.","start":1292.2001,"end":1297.3401,"sentiment":"neutral","sentiment_score":0.09318470717831091},{"text":"Yep.","start":1307.575,"end":1308.075,"sentiment":"neutral","sentiment_score":0.16272714734077454},{"text":"Yep.","start":1317.73,"end":1318.23,"sentiment":"neutral","sentiment_score":-0.003335222601890564}],"sentiment":"neutral","sentiment_score":0.3120158685084719,"num_words":52,"start":1275.0751,"end":1318.23},{"sentences":[{"text":"Yeah.","start":1347.85,"end":1348.35,"sentiment":"neutral","sentiment_score":0.23333516716957092},{"text":"K.","start":1348.41,"end":1348.91,"sentiment":"neutral","sentiment_score":0.14287173748016355},{"text":"That's the tax rebate.","start":1375.02,"end":1376.08,"sentiment":"neutral","sentiment_score":0.22181088477373123},{"text":"Yep.","start":1379.74,"end":1380.24,"sentiment":"neutral","sentiment_score":0.21032598614692688},{"text":"Yep.","start":1399.7,"end":1400.2,"sentiment":"positive","sentiment_score":0.3536562919616699}],"sentiment":"neutral","sentiment_score":0.22842909023165703,"num_words":8,"start":1347.85,"end":1400.2},{"sentences":[{"text":"Yep.","start":1415.5951,"end":1416.0951,"sentiment":"neutral","sentiment_score":0.318236380815506},{"text":"Yep.","start":1424.81,"end":1425.31,"sentiment":"positive","sentiment_score":0.5072957277297974},{"text":"Well, I'm thinking out loud because, like, my salary goes up every year.","start":1441.215,"end":1447.075,"sentiment":"neutral","sentiment_score":0.08329126811944522},{"text":"So once I hit that $1, that $1 and $3, is that does it have to be done in the lump sum, or can it be, like, over the year?","start":1447.215,"end":1457.2699,"sentiment":"neutral","sentiment_score":0.029547128764291605},{"text":"Like, can I do, like, a pretty what do you call it?","start":1457.2699,"end":1461.61,"sentiment":"neutral","sentiment_score":-0.037300459730128445}],"sentiment":"neutral","sentiment_score":0.041177665618689435,"num_words":57,"start":1415.5951,"end":1461.61},{"sentences":[{"text":"Pretax.","start":1462.1499,"end":1462.6499,"sentiment":"neutral","sentiment_score":-0.047602057456970215},{"text":"Yeah.","start":1465.055,"end":1465.555,"sentiment":"neutral","sentiment_score":-0.017441924661397934},{"text":"Oh, okay.","start":1467.135,"end":1470.035,"sentiment":"neutral","sentiment_score":0.08919807150959969},{"text":"Yep.","start":1485.57,"end":1486.07,"sentiment":"neutral","sentiment_score":0.16233423352241516},{"text":"Yeah.","start":1521.885,"end":1522.125,"sentiment":"neutral","sentiment_score":0.10346262156963348}],"sentiment":"neutral","sentiment_score":0.06319150266547997,"num_words":6,"start":1462.1499,"end":1522.125},{"sentences":[{"text":"Because I'm thinking, well, I could do the personal, you know, month's not the baby, and then the $3.","start":1522.125,"end":1528.0651,"sentiment":"neutral","sentiment_score":0.07575645807542299},{"text":"I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount.","start":1528.605,"end":1537.38,"sentiment":"neutral","sentiment_score":-0.16074296956261},{"text":"So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa week.","start":1537.38,"end":1555.875,"sentiment":"neutral","sentiment_score":-0.021537326779719944},{"text":"Yep.","start":1581.235,"end":1581.735,"sentiment":"neutral","sentiment_score":0.10795396566390993},{"text":"Oh, actually, yeah.","start":1585.715,"end":1589.87,"sentiment":"neutral","sentiment_score":0.013974632446964582}],"sentiment":"neutral","sentiment_score":-0.03649359278469568,"num_words":84,"start":1522.125,"end":1589.87},{"sentences":[{"text":"Yeah.","start":1589.87,"end":1589.95,"sentiment":"neutral","sentiment_score":-0.008467467501759529},{"text":"No.","start":1589.95,"end":1590.1901,"sentiment":"neutral","sentiment_score":-0.2656869888305664},{"text":"So 12.5 would have to be solely into wine.","start":1590.1901,"end":1593.55,"sentiment":"neutral","sentiment_score":-0.22255541218651664},{"text":"So if anything, it's gonna be a salary sacrifice after that, which one I'm okay with.","start":1593.55,"end":1598.13,"sentiment":"neutral","sentiment_score":-0.26105633936822414},{"text":"No.","start":1612.755,"end":1612.915,"sentiment":"neutral","sentiment_score":-0.30070263147354126}],"sentiment":"neutral","sentiment_score":-0.24124132954914654,"num_words":28,"start":1589.87,"end":1612.915},{"sentences":[{"text":"No.","start":1612.915,"end":1613.0751,"sentiment":"neutral","sentiment_score":-0.3178030848503113},{"text":"That's basically possible.","start":1613.0751,"end":1614.2151,"sentiment":"neutral","sentiment_score":-0.1903750995794932},{"text":"Yeah.","start":1663.225,"end":1663.725,"sentiment":"neutral","sentiment_score":-0.05081717297434807},{"text":"Yeah.","start":1676.87,"end":1677.37,"sentiment":"neutral","sentiment_score":-0.01741372048854828},{"text":"Okay.","start":1681.99,"end":1682.49,"sentiment":"neutral","sentiment_score":0.06469327956438065}],"sentiment":"neutral","sentiment_score":-0.12749514249818666,"num_words":7,"start":1612.915,"end":1682.49},{"sentences":[{"text":"Alright.","start":1683.67,"end":1684.17,"sentiment":"neutral","sentiment_score":0.09747755527496338},{"text":"Well, I'll be yeah.","start":1684.3099,"end":1688.23,"sentiment":"neutral","sentiment_score":0.09456096589565277},{"text":"I'll probably have you just done.","start":1688.23,"end":1690.375,"sentiment":"neutral","sentiment_score":0.04295630753040314},{"text":"Yeah.","start":1691.395,"end":1691.5549,"sentiment":"neutral","sentiment_score":0.05882597714662552},{"text":"I'm gonna pay fortnightly.","start":1691.5549,"end":1692.5349,"sentiment":"neutral","sentiment_score":0.07778282463550568}],"sentiment":"neutral","sentiment_score":0.0689635337330401,"num_words":16,"start":1683.67,"end":1692.5349},{"sentences":[{"text":"Not really.","start":1727.735,"end":1728.4551,"sentiment":"neutral","sentiment_score":-0.19312522560358047},{"text":"Like, I'm mostly thinking long term.","start":1728.4551,"end":1730.375,"sentiment":"neutral","sentiment_score":-0.0558620902399222},{"text":"Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh.","start":1730.375,"end":1737.89,"sentiment":"neutral","sentiment_score":0.05920350493397564},{"text":"By the time we retire, which is funny.","start":1738.91,"end":1741.17,"sentiment":"neutral","sentiment_score":-0.018360110465437174},{"text":"Yeah.","start":1747.035,"end":1747.275,"sentiment":"neutral","sentiment_score":0.12865491211414337}],"sentiment":"neutral","sentiment_score":0.006291124687501879,"num_words":33,"start":1727.735,"end":1747.275},{"sentences":[{"text":"So if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts.","start":1747.275,"end":1753.035,"sentiment":"neutral","sentiment_score":0.11361816935241223},{"text":"Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something.","start":1753.035,"end":1756.495,"sentiment":"neutral","sentiment_score":0.04977204278111458},{"text":"Well, it would be hers.","start":1757.195,"end":1758.155,"sentiment":"positive","sentiment_score":0.4688312292098999},{"text":"Like, I'm more than happy for her to have a half decent super account come out of retirement.","start":1758.155,"end":1764.39,"sentiment":"positive","sentiment_score":0.655879901515113},{"text":"So yeah.","start":1764.45,"end":1768.95,"sentiment":"neutral","sentiment_score":0.05843875743448734}],"sentiment":"neutral","sentiment_score":0.27674812770315577,"num_words":63,"start":1747.275,"end":1768.95},{"sentences":[{"text":"Tanika.","start":1780.465,"end":1780.965,"sentiment":"neutral","sentiment_score":0.11030711233615877},{"text":"Yep.","start":1815.015,"end":1815.515,"sentiment":"neutral","sentiment_score":-0.02846459113061428},{"text":"Yep.","start":1816.9349,"end":1817.31,"sentiment":"neutral","sentiment_score":0.02851030230522156},{"text":"Yeah.","start":1825.55,"end":1826.05,"sentiment":"neutral","sentiment_score":-0.08011619001626968},{"text":"Yeah.","start":1858.2201,"end":1858.7201,"sentiment":"neutral","sentiment_score":0.0964239537715912}],"sentiment":"neutral","sentiment_score":0.025332117453217513,"num_words":5,"start":1780.465,"end":1858.7201},{"sentences":[{"text":"Yeah.","start":1869.3151,"end":1869.555,"sentiment":"positive","sentiment_score":0.3963730037212372},{"text":"That's good.","start":1869.555,"end":1870.295,"sentiment":"positive","sentiment_score":0.5898581147193909},{"text":"Because, yeah, looking to open up four accounts for each child and start just putting a bit on the way there, but also refinancing to consolidate all our debt, which ends up working out a little bit better for us.","start":1870.515,"end":1886.72,"sentiment":"neutral","sentiment_score":0.32514134980738163},{"text":"But we're also trying to withdraw a little bit more cash out of the house to invest as well.","start":1886.72,"end":1892.24,"sentiment":"neutral","sentiment_score":0.28361305045454127},{"text":"So I'm hoping for an extra extra 40.","start":1892.24,"end":1895.195,"sentiment":"neutral","sentiment_score":0.308444382622838}],"sentiment":"neutral","sentiment_score":0.32054208921534677,"num_words":70,"start":1869.3151,"end":1895.195},{"sentences":[{"text":"I was just waiting for that settling, whatever.","start":1895.575,"end":1897.4349,"sentiment":"neutral","sentiment_score":0.10857042018324137},{"text":"Yep.","start":1907.57,"end":1908.07,"sentiment":"neutral","sentiment_score":0.11002250760793686},{"text":"Yep.","start":1951.885,"end":1952.385,"sentiment":"neutral","sentiment_score":0.1969761848449707},{"text":"Okay.","start":1966.1,"end":1966.6,"sentiment":"neutral","sentiment_score":0.07073162496089935},{"text":"So let's work on next week.","start":1968.98,"end":1971.7,"sentiment":"neutral","sentiment_score":0.04933134838938713}],"sentiment":"neutral","sentiment_score":0.09072245701270945,"num_words":17,"start":1895.575,"end":1971.7},{"sentences":[{"text":"Let's see.","start":1971.7,"end":1972.26,"sentiment":"neutral","sentiment_score":0.03522020950913429},{"text":"She's got dance on Thursday.","start":1972.26,"end":1974.6799,"sentiment":"neutral","sentiment_score":-0.020434238528832794},{"text":"Wednesday is no good either.","start":1976.1,"end":1977.745,"sentiment":"negative","sentiment_score":-0.35556102991104127},{"text":"That'd be either Monday, Tuesday, or Friday next week.","start":1977.745,"end":1985.205,"sentiment":"neutral","sentiment_score":-0.09359334160884221},{"text":"And then I would have to leave work a little bit early to be home, so sometime after 03:30 if possible.","start":1986.945,"end":1997.21,"sentiment":"neutral","sentiment_score":-0.06941788696816989}],"sentiment":"neutral","sentiment_score":-0.09784884819029165,"num_words":42,"start":1971.7,"end":1997.21},{"sentences":[{"text":"Oh my god.","start":2006.155,"end":2006.875,"sentiment":"neutral","sentiment_score":-0.016238071645299595},{"text":"Did you do that?","start":2006.875,"end":2007.855,"sentiment":"neutral","sentiment_score":0.012395411729812622},{"text":"Yeah.","start":2012.715,"end":2013.215,"sentiment":"neutral","sentiment_score":0.11123425513505936},{"text":"Do that.","start":2013.515,"end":2014.255,"sentiment":"neutral","sentiment_score":0.11848267167806625},{"text":"No.","start":2026.84,"end":2027.24,"sentiment":"neutral","sentiment_score":-0.04856124520301819}],"sentiment":"neutral","sentiment_score":0.027318707751956852,"num_words":11,"start":2006.155,"end":2027.24},{"sentences":[{"text":"That's that's good.","start":2027.24,"end":2029.1,"sentiment":"neutral","sentiment_score":0.2425216188033422},{"text":"We can do either.","start":2053.64,"end":2054.52,"sentiment":"neutral","sentiment_score":0.028718187008053064},{"text":"I'm not fast.","start":2054.52,"end":2055.42,"sentiment":"neutral","sentiment_score":-0.21798946460088095},{"text":"I've I think I've got the app on my phone.","start":2055.56,"end":2058.86,"sentiment":"neutral","sentiment_score":0.27203120812773707},{"text":"Yep.","start":2065.6548,"end":2066.1548,"sentiment":"neutral","sentiment_score":0.2250407636165619}],"sentiment":"neutral","sentiment_score":0.14922962169207277,"num_words":21,"start":2027.24,"end":2066.1548},{"sentences":[{"text":"My loans, like, all of them?","start":2084.3599,"end":2086.125,"sentiment":"neutral","sentiment_score":0.02054020871097843},{"text":"Yep.","start":2088.685,"end":2089.165,"sentiment":"neutral","sentiment_score":0.08703359216451645},{"text":"So main home loan is $2.91.","start":2089.165,"end":2092.065,"sentiment":"neutral","sentiment_score":0.08407102897763252},{"text":"The fixed mortgage, which is now variable now, is $1.68.","start":2108.61,"end":2112.13,"sentiment":"neutral","sentiment_score":0.06877799816429615},{"text":"Okay?","start":2112.13,"end":2112.63,"sentiment":"neutral","sentiment_score":0.053882285952568054}],"sentiment":"neutral","sentiment_score":0.060681803578821324,"num_words":24,"start":2084.3599,"end":2112.63},{"sentences":[{"text":"So, yeah, that'll be my $4.69.","start":2113.17,"end":2117.245,"sentiment":"neutral","sentiment_score":0.0807813076923291},{"text":"My car loan is currently sitting at 20 k.","start":2121.7852,"end":2128.605,"sentiment":"neutral","sentiment_score":0.015266384101576276},{"text":"Got a Zip Pay account that's got 8 k on it.","start":2128.665,"end":2132.0,"sentiment":"neutral","sentiment_score":0.07085547189820897},{"text":"My credit card's got plugs on it.","start":2133.74,"end":2136.08,"sentiment":"neutral","sentiment_score":0.029590988531708717},{"text":"I owe my dad $13.5.","start":2139.18,"end":2141.68,"sentiment":"neutral","sentiment_score":-0.05630873441696167}],"sentiment":"neutral","sentiment_score":0.03492338793646348,"num_words":38,"start":2113.17,"end":2141.68},{"sentences":[{"text":"And my grandmother, 100 Dale.","start":2145.74,"end":2148.3152,"sentiment":"neutral","sentiment_score":0.10845325067639351},{"text":"So she likes to make money off us grandkids and even her kids, so she's actually quite well off.","start":2164.07,"end":2170.41,"sentiment":"neutral","sentiment_score":0.08061235319626958},{"text":"But at the time, I had a deposit up from COVID, but yeah.","start":2171.935,"end":2177.9548,"sentiment":"neutral","sentiment_score":-0.0647544373686497},{"text":"Sorry.","start":2178.575,"end":2178.895,"sentiment":"neutral","sentiment_score":-0.1424494832754135},{"text":"For our house, but COVID hit.","start":2178.895,"end":2180.255,"sentiment":"neutral","sentiment_score":-0.17384736239910126}],"sentiment":"neutral","sentiment_score":0.0010581731965596019,"num_words":44,"start":2145.74,"end":2180.255},{"sentences":[{"text":"And then, essentially, she said, look.","start":2180.255,"end":2183.07,"sentiment":"neutral","sentiment_score":-0.04044490990539392},{"text":"I'll give you a $100 if you pay me 12% interest per kid, which I said, yes.","start":2183.07,"end":2188.59,"sentiment":"neutral","sentiment_score":0.04735483667429756},{"text":"Alright.","start":2188.59,"end":2188.99,"sentiment":"neutral","sentiment_score":0.25555163621902466},{"text":"Cool.","start":2188.99,"end":2189.31,"sentiment":"neutral","sentiment_score":0.32331007719039917},{"text":"So that's the pay the power off anyway to get the home loan covered.","start":2189.31,"end":2192.6902,"sentiment":"neutral","sentiment_score":0.21180149912834167}],"sentiment":"neutral","sentiment_score":0.10529347346761288,"num_words":39,"start":2180.255,"end":2192.6902},{"sentences":[{"text":"So out of five years, paid a $5 a year to have it.","start":2193.79,"end":2197.31,"sentiment":"neutral","sentiment_score":0.0992218072597797},{"text":"And then, yeah, I thought it'd just be nice to pay you back.","start":2197.31,"end":2202.065,"sentiment":"neutral","sentiment_score":0.14681437554267737},{"text":"So but I don't have to keep worrying about paying the $500 every month.","start":2202.065,"end":2207.445,"sentiment":"neutral","sentiment_score":0.0407877905028207},{"text":"Yep.","start":2217.8,"end":2218.12,"sentiment":"neutral","sentiment_score":0.04072791337966919},{"text":"Yes.","start":2218.12,"end":2218.62,"sentiment":"neutral","sentiment_score":0.053129591047763824}],"sentiment":"neutral","sentiment_score":0.09198468923568726,"num_words":42,"start":2193.79,"end":2218.62},{"sentences":[{"text":"Currently going down CBA at the moment.","start":2220.28,"end":2224.6948,"sentiment":"neutral","sentiment_score":-0.0036491049187523977},{"text":"So I've been approved for six, six days, but they said if we did wanna wait another week until the letter came with their decision the so we said yes to that.","start":2224.6948,"end":2240.72,"sentiment":"neutral","sentiment_score":0.12854102300480008},{"text":"So, yeah, we're just wanting to to get the tax and AFA.","start":2240.72,"end":2244.9001,"sentiment":"neutral","sentiment_score":0.18907989313205084},{"text":"We went through a broker.","start":2254.1948,"end":2255.4949,"sentiment":"neutral","sentiment_score":0.07687635272741318},{"text":"I was thinking going direct, but he's managed to get us a slightly better rate than what they're currently offering on on market.","start":2255.795,"end":2265.4,"sentiment":"neutral","sentiment_score":0.25602863955756894}],"sentiment":"neutral","sentiment_score":0.15987048345276073,"num_words":79,"start":2220.28,"end":2265.4},{"sentences":[{"text":"He's also done Saint George, but they did pick up on my statement.","start":2270.9,"end":2275.4,"sentiment":"neutral","sentiment_score":0.04771300462576059},{"text":"I missed one the home loan payments, but I transferred money into that account, like, two or three days later, but it's been it was, like, still, so but nothing on my credit score.","start":2275.78,"end":2287.685,"sentiment":"neutral","sentiment_score":-0.15146952012882514},{"text":"Yep.","start":2297.07,"end":2297.57,"sentiment":"neutral","sentiment_score":-0.1102236956357956},{"text":"Yeah.","start":2309.595,"end":2309.755,"sentiment":"neutral","sentiment_score":0.04254096746444702},{"text":"So total consolidating is 6 0 6.","start":2309.755,"end":2318.555,"sentiment":"neutral","sentiment_score":0.05031975644773671}],"sentiment":"neutral","sentiment_score":-0.07580605459432783,"num_words":56,"start":2270.9,"end":2318.555},{"sentences":[{"text":"Yeah.","start":2318.555,"end":2318.9548,"sentiment":"neutral","sentiment_score":0.016304317861795425},{"text":"Well, that that would be the minimum I I owe, yeah, for everyone.","start":2318.9548,"end":2323.69,"sentiment":"neutral","sentiment_score":-0.056707631724958234},{"text":"Well, wrapping everything up in one one mortgage, essentially.","start":2327.1099,"end":2330.25,"sentiment":"neutral","sentiment_score":0.01905934926536348},{"text":"No.","start":2370.1848,"end":2370.6848,"sentiment":"neutral","sentiment_score":-0.11787400394678116},{"text":"Yeah.","start":2449.6301,"end":2450.1301,"sentiment":"neutral","sentiment_score":-0.00467846542596817}],"sentiment":"neutral","sentiment_score":-0.026876528821885584,"num_words":25,"start":2318.555,"end":2450.1301},{"sentences":[{"text":"So dad's retired.","start":2450.4302,"end":2452.1301,"sentiment":"neutral","sentiment_score":-0.008217227334777514},{"text":"He's like, mommy's son, so he loves me no matter what.","start":2452.35,"end":2456.925,"sentiment":"neutral","sentiment_score":0.05303954062136737},{"text":"But grandma's nicely asked for it back, which is kinda put pressure on dad to, like, hey.","start":2456.925,"end":2461.4849,"sentiment":"neutral","sentiment_score":-0.15849403511075413},{"text":"Can you, like if she wants to she wants to do the same for the other three siblings, but she you also use the money that currently I'm holding?","start":2461.4849,"end":2470.53,"sentiment":"neutral","sentiment_score":-0.0009728939882640182},{"text":"Yeah.","start":2478.83,"end":2479.33,"sentiment":"neutral","sentiment_score":-0.08879736065864563}],"sentiment":"neutral","sentiment_score":-0.036928305219187114,"num_words":61,"start":2450.4302,"end":2479.33},{"sentences":[{"text":"Yeah.","start":2482.975,"end":2483.375,"sentiment":"neutral","sentiment_score":0.048257168382406235},{"text":"So I'm open to it.","start":2483.375,"end":2484.975,"sentiment":"neutral","sentiment_score":0.08825822472572327},{"text":"I'm just more so worried about the yeah.","start":2484.975,"end":2491.295,"sentiment":"neutral","sentiment_score":-0.27886372059583664},{"text":"Like, nearly on my feet again, but, like, just would like that steady income flow for a few months, especially going out to Christmas.","start":2491.295,"end":2498.51,"sentiment":"positive","sentiment_score":0.5161561829348406},{"text":"And then after that, I'll be more than happy to do that.","start":2498.51,"end":2503.65,"sentiment":"positive","sentiment_score":0.5294713973999023}],"sentiment":"positive","sentiment_score":0.3400008737295866,"num_words":50,"start":2482.975,"end":2503.65},{"sentences":[{"text":"So I'm thinking like, what yeah.","start":2505.55,"end":2509.31,"sentiment":"neutral","sentiment_score":-0.11644555379947026},{"text":"Like, how much would I need to smash into that loan to really crunch it down?","start":2509.31,"end":2513.845,"sentiment":"neutral","sentiment_score":-0.26218624133616686},{"text":"Oh, yeah.","start":2524.4502,"end":2525.1902,"sentiment":"neutral","sentiment_score":-0.10533275082707405},{"text":"Yeah.","start":2539.575,"end":2540.075,"sentiment":"neutral","sentiment_score":0.008843537420034409},{"text":"Yep.","start":2553.5898,"end":2554.0898,"sentiment":"neutral","sentiment_score":0.0724261999130249}],"sentiment":"neutral","sentiment_score":-0.19319419032679155,"num_words":26,"start":2505.55,"end":2554.0898},{"sentences":[{"text":"Oh, yeah.","start":2574.065,"end":2574.725,"sentiment":"neutral","sentiment_score":-0.04479454830288887},{"text":"Yep.","start":2587.05,"end":2587.55,"sentiment":"neutral","sentiment_score":-0.0222662091255188},{"text":"But I feel like it's also up to CV as well.","start":2591.6902,"end":2593.77,"sentiment":"neutral","sentiment_score":-0.0146315163848075},{"text":"Like, if we if we can't eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today.","start":2593.77,"end":2609.0,"sentiment":"neutral","sentiment_score":-0.03346181905959757},{"text":"And so yeah.","start":2612.34,"end":2614.2,"sentiment":"neutral","sentiment_score":0.04616461445887884}],"sentiment":"neutral","sentiment_score":-0.025702126534140137,"num_words":56,"start":2574.065,"end":2614.2},{"sentences":[{"text":"Oh, we got a shit ton.","start":2617.06,"end":2618.36,"sentiment":"neutral","sentiment_score":-0.009692259753743807},{"text":"Yeah.","start":2631.6748,"end":2632.1748,"sentiment":"neutral","sentiment_score":0.039770834147930145},{"text":"Yep.","start":2632.795,"end":2633.295,"sentiment":"neutral","sentiment_score":0.05640704557299614},{"text":"Yeah.","start":2636.2349,"end":2636.7349,"sentiment":"neutral","sentiment_score":0.028468772768974304},{"text":"Yep.","start":2656.435,"end":2656.935,"sentiment":"neutral","sentiment_score":0.0851530060172081}],"sentiment":"neutral","sentiment_score":0.015164609998464584,"num_words":10,"start":2617.06,"end":2656.935},{"sentences":[{"text":"Awesome.","start":2677.1902,"end":2677.6902,"sentiment":"positive","sentiment_score":0.7675104737281799},{"text":"Well, alright.","start":2678.07,"end":2683.815,"sentiment":"neutral","sentiment_score":0.19980096817016602},{"text":"That's a dry egg block.","start":2683.815,"end":2684.775,"sentiment":"neutral","sentiment_score":-0.067947106808424},{"text":"I wasn't expecting it.","start":2684.775,"end":2686.155,"sentiment":"neutral","sentiment_score":-0.08722194656729698},{"text":"Fantastic.","start":2700.35,"end":2700.85,"sentiment":"positive","sentiment_score":0.665911078453064}],"sentiment":"neutral","sentiment_score":0.08803078217002061,"num_words":13,"start":2677.1902,"end":2700.85},{"sentences":[{"text":"No.","start":2700.99,"end":2701.2302,"sentiment":"neutral","sentiment_score":0.25410211086273193},{"text":"Thank you so much for your time.","start":2701.2302,"end":2702.27,"sentiment":"positive","sentiment_score":0.6279399565287999},{"text":"Appreciate it.","start":2702.27,"end":2703.25,"sentiment":"positive","sentiment_score":0.6904193758964539},{"text":"Alright.","start":2706.83,"end":2707.33,"sentiment":"positive","sentiment_score":0.5110489130020142},{"text":"Have a good","start":2707.4702,"end":2707.989,"sentiment":"positive","sentiment_score":0.5821351408958435}],"sentiment":"positive","sentiment_score":0.5919982067176274,"num_words":14,"start":2700.99,"end":2707.989}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Yeah. It's\n\nChannel 1: Hey.\n\nChannel 0: way\n\nChannel 1: Oh, that tastes better.\n\nChannel 0: better on my line, so perfect. Because this is a new call, I do need to let you know. Call's recorded, and sorry to do it to you, but I do need to complete security. There's a there's a a password on file?\n\nChannel 1: Yeah. Liliana.\n\nChannel 0: Thank you. Okay. So Caden gave me a really brief rundown, but just to recap my knowledge, partner doesn't work, hasn't worked in seven years. We have a baby not intending on returning to work anytime soon, if ever. ATO has claimed super that's been accumulated, and it's now sitting as basically ATO unclaimed funds.\n\nChannel 1: Correct.\n\nChannel 0: Cool.\n\nChannel 1: For shit, eleven, nearly twelve years now. So and I promise her she could say I say my mom is wrong as I live. So yeah.\n\nChannel 0: No. I love. What? Perfection. Man of Mary and Hart.\n\nWell, there's a couple of ways it can be done. Can I ask how much money is there?\n\nChannel 1: I think it looks $5. So only for a few years that shows a a retail manager.\n\nChannel 0: Can you repeat the amount? Sorry.\n\nChannel 1: It's roughly between 7 and 8 k from memory.\n\nChannel 0: Okay. Alright. Yeah. Yeah. No.\n\nThat's okay. Cool. Okay. So Just kind of like the the non easiest way, but the the way that I can think of that probably the quickest is technically it's it's not quick. It's not easy, actually.\n\nBut the one that's coming to mind is realistically, like, a separation of assets. Basically, it it comes down to, like, a divorce agreement where funds are then transferred over from her to you, super wise. It becomes a family law flag with the super fund, and it can be done that way. Alternatively to that, which obviously is a whole heap of paperwork and a whole lot of nonsense, you can do it without obviously paying fees. You can do it by yourself.\n\nIt's just it's a lot of paperwork that $8 be transferred. That is one of the ways to kinda get around it. There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is\n\nChannel 1: July.\n\nChannel 0: something that's called sorry. What was that?\n\nChannel 1: Oh, sorry. We've just been cutting in and out. Yep. We finally got you.\n\nChannel 0: Oh, no. Sorry. Okay.\n\nChannel 1: No.\n\nChannel 0: Sorry.\n\nChannel 1: I was just\n\nChannel 0: I\n\nChannel 1: saying to your colleague before, I did have June and July off work. Essentially, left my workplace, and it's only until early August. So I had a job, so I could have claimed\n\nChannel 0: Yep.\n\nChannel 1: financial hardship back, yeah, Last month.\n\nChannel 0: Okay. So yep. Okay. So you you were nonworking June, July?\n\nChannel 1: Yep.\n\nChannel 0: Like, transitioning between jobs?\n\nChannel 1: Yes.\n\nChannel 0: Okay. So transitioning between jobs doesn't allow you to claim hardship on the super. There's really, really, really specific requirements for it.\n\nChannel 1: Yep.\n\nChannel 0: Can I ask how much how like, what is your annual income?\n\nChannel 1: $1.75.\n\nChannel 0: Okay. So you are a high income earner, like, in terms of sort of tax bracket. Okay. So there's there's sort of three avenues I'm kind of spitballing at the moment. If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting.\n\nGenerally, we can only transfer about 85% of the funds. I need to just investigate it because, obviously, she hasn't contributed anything into the fund. How we can sort of navigate that caveat,\n\nChannel 1: Could\n\nChannel 0: That that could be an avenue that we could look down. Yeah?\n\nChannel 1: is there a way to do a joint, yeah, like you said, just server account? Like, is there a way to add her name to my account and then that sort of counts as her server account? Or is it just individual across the board?\n\nChannel 0: It's individual across the board.\n\nChannel 1: Damn.\n\nChannel 0: Yeah. So, like, in a in a divorce, superannuation can form part of the marital assets and can be utilized to basically transition across. So theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super. Outside of that,\n\nChannel 1: Yeah.\n\nChannel 0: like, even an\n\nChannel 1: Don't\n\nChannel 0: like\n\nChannel 1: feel\n\nChannel 0: a\n\nChannel 1: like\n\nChannel 0: even\n\nChannel 1: getting\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: self no. Like, you don't have to proceed with the actual divorce. It would it's just basically paperwork wise, like, financial planning, but it's still a split headache\n\nChannel 1: phones. Yeah.\n\nChannel 0: to to go through that. She wouldn't be receiving Centrelink payments, would she? Because your income's too high.\n\nChannel 1: No. We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible. So just currently got a claim in the last year and this financial year. So I\n\nChannel 0: Yep.\n\nChannel 1: think it's actually yeah. She it's not gonna be a lot, but at least it should've been something that's all gone.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: What what did we put in a claim for under Fintech Link?\n\nChannel 1: Family\n\nChannel 0: Like,\n\nChannel 1: tax a and\n\nChannel 0: family\n\nChannel 1: b.\n\nChannel 0: tax? Okay. And you said she's receiving carer's\n\nChannel 1: Alliance\n\nChannel 0: payments\n\nChannel 1: Yeah.\n\nChannel 0: or allowed?\n\nChannel 1: Payment.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I have to double check that because I know there's two there's a payment and there's a layout. It's a pretty short payment.\n\nChannel 0: Correct. Okay. So this this might actually help you. A pay a carer's allowance is about a $114 a fortnight. Carer's payment is 6 something per\n\nChannel 1: She's on one\n\nChannel 0: fortnight.\n\nChannel 1: $1.60 or something.\n\nChannel 0: Okay. Might\n\nChannel 1: Yeah.\n\nChannel 0: might still be the allowance. The the allowance figures increased in March. It's I haven't quite memorized them all yet. Okay. So $1.50.\n\nRealistically, if you can confirm what the payment type is,\n\nChannel 1: Yeah.\n\nChannel 0: she may actually be able to withdraw the money under possibly some type of financial hardship, and that'll just remove it from the super environment. It will no longer exist in the super environment, and, basically, she'll never have the super funds, and the money comes to you guys and as it like, in your bank account. The downside to this is she has to pay tax on that money because currently, the money in super is only paid superannuation tax, which is 15%, she has to\n\nChannel 1: Yeah.\n\nChannel 0: she'll have\n\nChannel 1: How\n\nChannel 0: to\n\nChannel 1: much\n\nChannel 0: pay\n\nChannel 1: is\n\nChannel 0: up\n\nChannel 1: the\n\nChannel 0: to it's up to 22% of the amount.\n\nChannel 1: okay. Well, I mean, something's better than nothing. So and I'll keep forgetting it. It's it's her. So, yeah, she can find financial hardship\n\nChannel 0: Yeah. So, like, essentially, it'd be under $2. You'd still end up walking away with sort of 6\n\nChannel 1: or not. But\n\nChannel 0: 3\n\nChannel 1: $5.06.\n\nChannel 0: six 2\n\nChannel 1: Yeah.\n\nChannel 0: something.\n\nChannel 1: Alright. Yeah. So I might I'll go on her ATA, click on financial hardship. What are they gonna ask for? Do you know?\n\nChannel 0: So they will ask for confirmation of Centrelink. So first and foremost, what I'd probably do is, as simple as they are, call Centrelink, and I can email you this. It's called q two thirty. It's basically with authority document that stipulates that you are eligible under the superannuation hardship ruling. That\n\nChannel 1: Yep.\n\nChannel 0: is the first thing that I would do before you even entertain jumping onto the APO.\n\nChannel 1: Okay.\n\nChannel 0: From there, I would then once you get that, you can then jump onto the APO website and go through the financial hardship clause. They will ask the supporting evidence. That supporting evidence will be unpaid bills, bank statements from her showing no comp no money coming in type of thing. They will\n\nChannel 1: Yep.\n\nChannel 0: ask for and when I say unpaid bills, you like, you need to show unpaid bills. If if there's invoices for, like like, you know, for example, kids at school or dentist bills or, you know, anything that you guys are needing to do in the near future, and you can go like, receipts of not receipts, but bills for or invoices for, include those. The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim.\n\nChannel 1: Yeah. Yeah. I already have.\n\nChannel 0: We're we're we're we're caught we're we're caught up. Yeah.\n\nChannel 1: Yep. Went\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: the only thing.\n\nChannel 1: the Bank of Dad.\n\nChannel 0: We do. That's my favorite bank. I don't have one\n\nChannel 1: I\n\nChannel 0: of those,\n\nChannel 1: know.\n\nChannel 0: but I I get the concept.\n\nChannel 1: Yes. Trying to throw a lot of it too much, but, yeah, it just made us a withdrawal a little\n\nChannel 0: Well\n\nChannel 1: bit.\n\nChannel 0: so under that, would dad be willing to go to a JP, like a justice of the peace, and\n\nChannel 1: Yep.\n\nChannel 0: sign a statutory declaration state stating that he loaned x amount of money to you guys with the caveat that had to be repaid by Xdate showing a\n\nChannel 1: Yeah.\n\nChannel 0: debt,\n\nChannel 1: Absolutely.\n\nChannel 0: and he and,\n\nChannel 1: Yep.\n\nChannel 0: like, you could you could write like, your partner could write a a stat deck being like, this happened. Like, you know, Christopher lost job. We had all of these bills that were unpaid. We were gonna default on, lose whatever. Tell the story.\n\nDon't\n\nChannel 1: Yeah.\n\nChannel 0: lie.\n\nChannel 1: Yeah.\n\nChannel 0: Tell the story.\n\nChannel 1: Well, I\n\nChannel 0: Sign off under a stat deck, and then go to dad and be like, dad loaned us this money. Then dad has the intention of paying it. Blah blah blah. Dad has to\n\nChannel 1: Yep.\n\nChannel 0: do that one, obviously.\n\nChannel 1: Yep.\n\nChannel 0: Because because a loan from a from a a friend or family member still counts under the ATO\n\nChannel 1: Cool. That's fantastic. That's yeah.\n\nChannel 0: claim. Yeah. But that's that's kind of the\n\nChannel 1: So\n\nChannel 0: way you\n\nChannel 1: we\n\nChannel 0: could\n\nChannel 1: still\n\nChannel 0: do it.\n\nChannel 1: need that\n\nChannel 0: The\n\nChannel 1: q\n\nChannel 0: only\n\nChannel 1: two form?\n\nChannel 0: yeah. You still need the q two thirty.\n\nChannel 1: Okay.\n\nChannel 0: Because you're you're going it's the q 230 is it's not a form. It's it's it's basically a document of approval that you meet Centrelink requirements. It has a really long stupid name, but it's it's in the industry, it's known as a q two thirty. If you call Centrelink and say, hey. We're we're looking for a q two thirty, any of the the administration team are gonna know what you're talking about.\n\nIf they don't, they're probably new, and it's just I'm looking to claim financial hardship. Can you provide confirmation that I am that I do get correct correct support payments?\n\nChannel 1: Yes.\n\nChannel 0: I'm just I'm just trying to look up whether the payments that she's on are approved payments because, basically,\n\nChannel 1: Well, say if we got the family tax a and b as well, would that help? Or because I think we got\n\nChannel 0: I'm\n\nChannel 1: a decision next week whether it's approved or not.\n\nChannel 0: cool. Family tax a and b don't. Carers allowance doesn't. It's the carers payment that does because it is an income support payment.\n\nChannel 1: Right.\n\nChannel 0: So it's gonna come down to whether she gets the carers payment or not. Who\n\nChannel 1: Oh, hang\n\nChannel 0: can I ask\n\nChannel 1: on.\n\nChannel 0: who she cares\n\nChannel 1: Got\n\nChannel 0: for?\n\nChannel 1: it on. Elle Eldis has ASD.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, she was she actually got\n\nChannel 0: Yep.\n\nChannel 1: our NDIS\n\nChannel 0: Yeah.\n\nChannel 1: what do you call them? Like, account manager or whatever it is. They actually\n\nChannel 0: Yeah.\n\nChannel 1: advised her to gonna get her because she was eligible.\n\nChannel 0: Yep.\n\nChannel 1: I do have a doc saved statement. No. Not that one. Here we go. Carriage allowance, $16,264.09.\n\nChannel 0: Okay. So that's the care's allowance.\n\nChannel 1: Yeah.\n\nChannel 0: Look. It's not looking good if that's the one she's on, because it's a payment that is the eligible component. However, carer's payments income tested and granted your income is yeah. Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff. So, yeah, you would you yeah.\n\nShe wouldn't be eligible for that. Yeah. Okay. So we're back down to our other avenues.\n\nChannel 1: Are there any other satellite payments that would be eligible?\n\nChannel 0: Family tax, carers payment, job seeker, disability support pension, parenting payments. Are we planning on having more kids?\n\nChannel 1: No. That was enough.\n\nChannel 0: Oh, you want one more with me? Three feet of the back seat. It was that was good enough. Okay. How old's the youngest?\n\nChannel 1: She's five months.\n\nChannel 0: Oh, cute. Good.\n\nChannel 1: Thank you. She's very cute,\n\nChannel 0: They are, aren't they? We're sleeping through yet?\n\nChannel 1: actually. What was that? Sorry.\n\nChannel 0: Is your daughter sleeping through?\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: I shall sleep in our bed, actually, or in my arms, but, yeah, that's about it.\n\nChannel 0: Oh, she she just likes to snuggle. That's fair.\n\nChannel 1: Yeah. That's it. I mean, our bed is pretty comfy compared to a pretty stiff coat mattress.\n\nChannel 0: Absolutely. Okay.\n\nChannel 1: Can't\n\nChannel 0: So\n\nChannel 1: can't blame\n\nChannel 0: based on no. You can't blame them at all. Like, honestly, they're adorable. My youngest is five. I kinda miss the baby days.\n\nAnyway, I've just had a quick look, and realistically speaking, yeah. Like, the the money is pretty much locked in. She's not gonna get hardship because her the payments that she received are not eligible for the q 02/30. Look. You can\n\nChannel 1: Yep.\n\nChannel 0: give it a shot in the dark. It's only a phone call to Centrelink, but if it's the carer's allowance that she's getting, it's not an income support payment, so it doesn't meet requirements. You earn too much for her to get parenting payment. You earn too much for her to get carers payments, which what is you will only get one of them. You don't ever get both.\n\nChannel 1: It's Stanley technical income support?\n\nChannel 0: No. It's not. It's not\n\nChannel 1: Really?\n\nChannel 0: considered income support. Yeah. Not under not under, like, the q two thirty. Yeah. I know.\n\nChannel 1: Damn.\n\nChannel 0: It's a pay.\n\nChannel 1: I'm still gonna have a shot in the dark. Or I can if we actually get in front of a Centrelink person and just say, hey. Look. We owe my dad money,\n\nChannel 0: Yeah.\n\nChannel 1: and I'll get that that deck off him\n\nChannel 0: Yeah.\n\nChannel 1: And so, look, we have this held up. It'd be great to get it if we can fill out a q two thirty form and then have you do something with it.\n\nChannel 0: It's the the\n\nChannel 1: Yeah.\n\nChannel 0: frustrating part is, like like, when I say it's a q two thirty form, it's not a it's not a form. It's a q two thirty letter of approval, basically.\n\nChannel 1: Oh, okay.\n\nChannel 0: The app\n\nChannel 1: Yep.\n\nChannel 0: the application for it is literally a phone call saying, hi. Do I meet the requirements for q two thirty? And\n\nChannel 1: Okay.\n\nChannel 0: the requirements are twenty six weeks of ongoing continuous income support payments,\n\nChannel 1: Oh,\n\nChannel 0: which\n\nChannel 1: yep.\n\nChannel 0: if you if you get assessed and they back pay you, that that would basically cover your, like, your your period of time because they'll back pay you, and, basically, it will be as if you had ongoing payments during that period.\n\nChannel 1: Yep.\n\nChannel 0: But it'll all come down to that assessment. Obviously, you have to get approved for the payment first and then just give them a call and have a chat to them. But\n\nChannel 1: Yep.\n\nChannel 0: I'm not exactly hopeful, to be completely honest. I'll\n\nChannel 1: Yeah.\n\nChannel 0: have a look, and I'll have a bit of a dig and start brainstorming a little bit just to see if there's any other avenues that I can that are not, like, glaringly obvious or, you know, straight up that I can kinda think of that obviously don't go down the let's financially separate and have a cute document.\n\nChannel 1: Yep.\n\nChannel 0: Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else.\n\nChannel 1: Yeah. And\n\nChannel 0: So\n\nChannel 1: I'd like to\n\nChannel 0: not\n\nChannel 1: be with\n\nChannel 0: necessarily\n\nChannel 1: Hub twenty\n\nChannel 0: an\n\nChannel 1: four\n\nChannel 0: avenue\n\nChannel 1: as\n\nChannel 0: you wanna\n\nChannel 1: well.\n\nChannel 0: go.\n\nChannel 1: Nah. I like being\n\nChannel 0: You can\n\nChannel 1: with Hub\n\nChannel 0: always\n\nChannel 1: twenty\n\nChannel 0: stay\n\nChannel 1: four.\n\nChannel 0: with hub twenty\n\nChannel 1: Oh,\n\nChannel 0: you can stay with hub twenty four under an SMSF. Like, it's not impossible.\n\nChannel 1: okay.\n\nChannel 0: Yeah. Let me have a look into it and see if there's a way that I can maybe operate it. Let me let me look into it because I don't think that I'm really I'm racking my head and talking out loud,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: I can hear\n\nChannel 0: let let me look yeah. Let me look into it and see if there's, like, a a weird, wonderful way that we can do it.\n\nChannel 1: it.\n\nChannel 0: But it's $8, so it's that weird kind of it's a bit of money, but it's not a heap of\n\nChannel 1: A massive\n\nChannel 0: money.\n\nChannel 1: amount. Yeah. It's\n\nChannel 0: It\n\nChannel 1: not\n\nChannel 0: was\n\nChannel 1: like there's\n\nChannel 0: like\n\nChannel 1: a 100 k's in\n\nChannel 0: yeah. Yeah. And, like, the frustrating part is as well, the APO holding it, they invested on your behalf and do nothing much\n\nChannel 1: there.\n\nChannel 0: with it. Can I ask? Would you, like I will look into the other avenue, but would you be interested in possibly boosting the account? We can invest the money. We can boost it and get things happening for retirement for her.\n\nBecause, like, realistically, we're planning on being together long term year and year, what, thirty four? So, you know, we've got thirty years. I'm assuming wife is of the same age. Would you wanna, like, look at possibly doing some stuff in that avenue where you\n\nChannel 1: Well,\n\nChannel 0: could\n\nChannel 1: that\n\nChannel 0: contribute\n\nChannel 1: was,\n\nChannel 0: to the fund?\n\nChannel 1: yeah, that was my absolute plan. Being able to open up the Huddl twenty four account for her, and I\n\nChannel 0: Mhmm.\n\nChannel 1: do, like, a a weekly, I don't know, $50,100 dollar top up to keep it going. And then, yeah, transfer that 7\n\nChannel 0: Because\n\nChannel 1: or 8\n\nChannel 0: what\n\nChannel 1: grand into that.\n\nChannel 0: yeah. Because what we could do and, again, I will look at this as option b and look at option a as the first one, like, you know, see if we can get cash out.\n\nChannel 1: Yep.\n\nChannel 0: Option b is there's two types of contribute well, there's three types of contributions. One the first one doesn't work for her because she's not working, so we're gonna write that off. The two that\n\nChannel 1: Yep.\n\nChannel 0: remain are personal and spousal. Because she doesn't earn a taxable income, unless there's something you haven't told me about, but because she doesn't earn a taxable income, her and you are out of a higher tax bracket, you you could basically put a thousand dollars in under what's called a personal contribution, and the government will co contribute into the fund. So you put a thousand dollars in, the government will pay 500. So it's basically $500 of free money.\n\nChannel 1: Yeah. K.\n\nChannel 0: Avenue number two is you can put up to $3 in per year, and you, as in Christopher, gets a personal tax rebate. So it's it's $3 in. You'll get 18% of that $3, which is $540\n\nChannel 1: That's the tax rebate.\n\nChannel 0: back on your tax. Exactly. So it's a tax free\n\nChannel 1: Yep.\n\nChannel 0: rate there. So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500.\n\nChannel 1: Yep.\n\nChannel 0: So that is an avenue which would see her basically grow her account by $4.5 a year in contributions, and you get that cute little tax rebate on your income, drop down\n\nChannel 1: Yep.\n\nChannel 0: the tax. Super her super fund pays no tax on that amount because of the avenue that it contributed,\n\nChannel 1: Yep.\n\nChannel 0: and it's a way to kinda grow the account that way. It obviously affects cash flow for the family and needs to be considered in that avenue, but that is a possibility that we could go down as well and we could look at how that would work strategically.\n\nChannel 1: Well, I'm thinking out loud because, like, my salary goes up every year. So once I hit that\n\nChannel 0: Yep.\n\nChannel 1: $1, that $1 and $3, is that does it have to be done in the lump sum, or can it be, like, over the year? Like,\n\nChannel 0: No.\n\nChannel 1: can I do, like, a pretty what do you call it? Pretax.\n\nChannel 0: Over the year.\n\nChannel 1: Yeah.\n\nChannel 0: Can't be pretax.\n\nChannel 1: Oh,\n\nChannel 0: It's post tax money. You\n\nChannel 1: okay.\n\nChannel 0: there's there's a couple of ways that we can set it up. We could basically have her account just auto deduct from a bank account each week, fortnight, and a month, whatever cycle you wanna do it on,\n\nChannel 1: Yep.\n\nChannel 0: and pay it that way. I'd have to look at the spousal contribution because these are two two different contribution types. They have to be they have to be paid in under different reference codes. So it does like, it it it matters how they the money lands, really. But I I can investigate the the specifics of whether I can get that basically withdrawn from your account.\n\nThe other avenue is you just set up a automatic transfer from your bank account over to, like, the hub pay for bank account or whatever super fund, like, we go with.\n\nChannel 1: Yeah. Because I'm thinking, well, I could do the personal, you know, month's not the baby, and then the $3. I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount. So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa\n\nChannel 0: I mean, it's an intriguing thought process.\n\nChannel 1: week.\n\nChannel 0: I I'm gonna be honest, been in the decades been in the industry for over a decade, haven't had that one posed to me. But let me have a look into it and see whether it's actually a possibility. Because because, like, your employer would have an an has an obligation to ensure that they pay your SG. So your super like, your super guarantee contributions. They have\n\nChannel 1: Yep.\n\nChannel 0: to make sure that they meet their their legislative obligation. Anything on\n\nChannel 1: Oh,\n\nChannel 0: top\n\nChannel 1: actually,\n\nChannel 0: of that? Yeah.\n\nChannel 1: yeah. Yeah. No. So 12.5 would have to be solely into wine. So if anything, it's gonna be a salary sacrifice after that, which one I'm okay with.\n\nChannel 0: Yes. Yeah. But think about it. Like, the you were in a 100 I I I'm gonna double check. Your $175 income, is that your base salary super on top, or is that inclusive?\n\nChannel 1: No. No. That's basically possible.\n\nChannel 0: So the 12.5 that you get paid on top of that, that's $218.75. So from that money goes into your super. You actually can split that amount of money, and it gets paid into you can actually transfer that into your wife's super. But it happens after the money's landed in your account. It's called spousal splitting, and up to 70 up to 85 of the contributions in a year can be split and transferred to a spouse's account.\n\nBut I'm I'm I'm gonna be pretty clear about this. More money makes more money. Your income and the contributions going into your account your account would generally make more sense. The only\n\nChannel 1: Yeah.\n\nChannel 0: time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where\n\nChannel 1: Yeah.\n\nChannel 0: we're at for this kind of avenue.\n\nChannel 1: Okay. Alright. Well, I'll be yeah.\n\nChannel 0: Because\n\nChannel 1: I'll\n\nChannel 0: $4,000\n\nChannel 1: probably have you\n\nChannel 0: did\n\nChannel 1: just\n\nChannel 0: you say you get paid\n\nChannel 1: done.\n\nChannel 0: fortnightly?\n\nChannel 1: Yeah. I'm gonna pay fortnightly.\n\nChannel 0: So $4,000 a fortnight is a 100 and just call it a $154 a fortnight. That like, for the $4, if you want to put the three plus the one into the like, into your wife's account, it'd be a hun $154 a fortnight that you would transfer over to the super fund. So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else?\n\nChannel 1: Not really. Like, I'm mostly thinking long term. Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh. By the time we retire, which is funny. Yeah.\n\nSo if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts. Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something. Well, it would be hers. Like, I'm more than happy for her to have a half decent super account come out of retirement. So\n\nChannel 0: Yep. Alright. Well, why don't we\n\nChannel 1: yeah.\n\nChannel 0: do this? Why don't I organize a time that I can sit down sit down? We can video call. I don't I don't mind. Where I can speak to yourself and I'm sorry.\n\nWhat was your wife's name?\n\nChannel 1: Tanika.\n\nChannel 0: Perfect. I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting. I can do a little bit of research we've kinda talked about to see whether there's any other avenues that pop up. We can involve her in the conversation, and we are able to maybe do some joint financial advice planning with the two of you. I can get a little bit more information about her.\n\nAnd, obviously, it's a consent conversation as well, to be honest, because it is technically her money. So I'm legally not allowed to act on your instruction.\n\nChannel 1: Yep.\n\nChannel 0: It has to be hers.\n\nChannel 1: Yep.\n\nChannel 0: And but this this conversation's fine because it it's it's general in nature when you're not telling me to go do a thing, and I'm irrespective. I can't\n\nChannel 1: Yeah.\n\nChannel 0: go do a thing. I need her to sign off on it. But we can realistically go and do some planning, strategizing, and I can kind of, I guess, wrap the realistically, your annual review's due. So I can wrap that all up into one big conversation. We can do a nice big strategy meeting with the the the three of us and and look at how we can plan.\n\nNot only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything. Talk about\n\nChannel 1: Yeah.\n\nChannel 0: Okay. We can maybe look at some like, if you wanted to do some investing for the kids, put money away from to them, any other avenues that, you know, we can kinda come up with and just make it a bigger conversation.\n\nChannel 1: Yeah. That's good. Because, yeah, looking to open up four accounts for each child and\n\nChannel 0: Okay.\n\nChannel 1: start just putting a bit on the way there, but also refinancing to consolidate all our debt,\n\nChannel 0: Okay.\n\nChannel 1: which ends up working out a little bit better for us. But we're also trying to withdraw a little bit more cash out of the house to invest as well. So I'm hoping for an extra extra 40. I was just waiting for that settling, whatever.\n\nChannel 0: Okay. Okay. So I will go down Avenue A and see if I can pull the $8 and\n\nChannel 1: Yep.\n\nChannel 0: and see what that looks like. I will do a little bit of research this afternoon tomorrow and get you an email tomorrow at the latest and just provide you with, like, a little bit more clarity and, I guess, stop talking while I'm trying to think and actually just stop and think. And then you can hear the cogs turning. And then from there, we can sort of, I guess, still sit down and have that conversation. Because even if it is just that we're gonna withdraw the money, we can maybe have a meeting about what that what the tax is, whether we wanna go down that avenue.\n\nIs that what she wants? I can issue I can send the paperwork to you, and we can still have a broader conversation.\n\nChannel 1: Yep.\n\nChannel 0: Can I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that? Because I can I can literally just book it in now? I was gonna kinda go from there.\n\nChannel 1: Okay. So let's work on next week. Let's see. She's got dance on Thursday. Wednesday is no good either.\n\nThat'd be either Monday, Tuesday, or Friday next week. And then I would have to leave work a little bit early to be home, so sometime after 03:30 if possible.\n\nChannel 0: How about I can do you one better? Tuesday after 05:00.\n\nChannel 1: Oh my god. Did you do that?\n\nChannel 0: Oh, I can do that.\n\nChannel 1: Yeah. Do that.\n\nChannel 0: Yeah. Okay. Do you just want 5PM on the dock, 05:30, give you a little bit of time to put your bag down and make coffee?\n\nChannel 1: No. That's that's good.\n\nChannel 0: Okay. Alright. Perfect. I will pop it in my calendar. I will send you a meeting and, like, I'll invite you into the calendar invite as well.\n\nDo you wanna do it, like, a Meet meeting and we can have a video conference, or do you wanna just have a phone call?\n\nChannel 1: We can do either. I'm not fast. I've\n\nChannel 0: Cool.\n\nChannel 1: I think I've got the app on my phone.\n\nChannel 0: Yeah. That's fine. Cool. Let's just we'll keep it at Google Meet, face to face and go from there.\n\nChannel 1: Yep.\n\nChannel 0: Face to name type of thing. And that way you have it in your calendar. I'll do my research. We can have a little bit more of a a planning strategy. Loans.\n\nDo you know where the loans currently sit roughly? You don't have to give me exact figures.\n\nChannel 1: My loans, like, all of them?\n\nChannel 0: Yeah.\n\nChannel 1: Yep. So main home loan is $2.91. The fixed mortgage, which is now variable now, is $1.68. Okay? So, yeah, that'll be my $4.69.\n\nChannel 0: Yep.\n\nChannel 1: My car loan is currently sitting at 20\n\nChannel 0: Regalco.\n\nChannel 1: k. Got a Zip Pay account that's got 8 k on it. My credit card's got\n\nChannel 0: Yep.\n\nChannel 1: plugs on it. I owe my dad $13.5.\n\nChannel 0: Yep.\n\nChannel 1: And my grandmother, 100 Dale.\n\nChannel 0: Oh. I mean, that that that one's fine. Okay. What did can I ask? What did what did grandma loan money for?\n\nChannel 1: So she likes to make money off us grandkids and even her kids, so she's actually quite well off. But\n\nChannel 0: Yep.\n\nChannel 1: at the time, I had a deposit up from COVID, but yeah. Sorry. For our house, but COVID hit. And then, essentially, she said, look. I'll give you a $100 if you pay me 12% interest per kid, which I said, yes.\n\nAlright. Cool. So that's the pay the power off anyway to get the home loan covered. So out of five years, paid a $5 a year to have it. And then, yeah, I thought it'd just be nice to pay you back.\n\nSo but I don't have to keep worrying\n\nChannel 0: It's\n\nChannel 1: about\n\nChannel 0: clear.\n\nChannel 1: paying the $500 every month.\n\nChannel 0: Yeah. Yeah. Fair. It just gets gets us in a little bit better in cash flow position. Okay.\n\nSo do we currently have a broker that we're talking to?\n\nChannel 1: Yep. Yes. Currently going down CBA at the moment. So I've been approved for six, six days, but they said if we did wanna wait another week until the letter came with their decision\n\nChannel 0: Yep.\n\nChannel 1: the so we said yes to that. So, yeah, we're just wanting to to get the tax and AFA.\n\nChannel 0: Yep. Okay. Did we go direct to CBA, or did we go through a barcode?\n\nChannel 1: We went through a broker. I was thinking going\n\nChannel 0: Okay.\n\nChannel 1: direct, but he's managed to get us a slightly better rate than what they're currently offering on on market.\n\nChannel 0: Yep. Okay. No. That's okay. Alright.\n\nChannel 1: He's also done Saint George, but they did pick up on my statement. I missed one the home loan payments, but I transferred money into that account, like, two or three days later, but it's been it was, like, still, so but nothing on my\n\nChannel 0: Yep.\n\nChannel 1: credit score.\n\nChannel 0: Yeah. No. No. It it it wouldn't have been like, if you made the payment within, like, pretty quickly, it's fine.\n\nChannel 1: Yep.\n\nChannel 0: Everyone has a missed payment. Okay. So alright. So we're currently going down broker route. Looks like we should have enough coverage.\n\nSo if\n\nChannel 1: Yeah.\n\nChannel 0: we're\n\nChannel 1: So total\n\nChannel 0: approved for\n\nChannel 1: consolidating is 6\n\nChannel 0: yeah?\n\nChannel 1: 0\n\nChannel 0: Six zero six bowing?\n\nChannel 1: 6. Yeah. Well,\n\nChannel 0: Did\n\nChannel 1: that\n\nChannel 0: you say?\n\nChannel 1: that would be the minimum I I owe, yeah, for everyone. Well, wrapping everything\n\nChannel 0: Okay.\n\nChannel 1: up in one one mortgage, essentially.\n\nChannel 0: Yeah. Can I ask, did we have the discussion with the broker about doing alternatives to putting it all on the mortgage? Like, having a couple of different loans on the mortgage where we just use, like, we put, say, grandma home loan. My biggest concern is and I I like and I I'm again, I'm just kind of without having a look at the proposal, I'm just kind of looking at it. Grandma's interest rate's really low when it's a family loan, so it's not really like, by the time of it, it's not really an interest rate that's compounding.\n\nAnd we're\n\nChannel 1: No.\n\nChannel 0: gonna go and put a $100 on our home loan that we're then gonna pay off over thirty years at, let's say, a six point something percent interest rate. So over the next thirty years, we're gonna end up compounding that, and it's gonna be much more than we would have paid grandma. While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan? I'm gonna be clear. Not a mortgage broker, but have seen it plenty of times where we can structure the loan to have the mortgage two loans consolidated and then have, like, the smaller ZIP credit card, dad, mom, grandma on another loan that is using the equity of the house using the ex like, using the home loan rate, but not over thirty years.\n\nOr have it over thirty years to have it on a second account where we smash money into that one. Pay minimums on the home loan and smash off the rest of it and have two loans on the house rather than just I'm just concerned about putting all of it into one mortgage and having I mean, dad and grandma, we're not paying interest really. If I'm being frank, that's a $113,500 that is currently technically interest free that you're gonna go and put 6% interest for thirty years on.\n\nChannel 1: Yeah. So dad's retired. He's like, mommy's son, so he loves me no matter what. But grandma's nicely asked for it back, which is kinda put pressure on dad to, like, hey. Can you, like if she wants to she wants to do the same for the other three siblings, but she you also use the money\n\nChannel 0: Yep.\n\nChannel 1: that currently I'm holding?\n\nChannel 0: Yeah. Basically, just pinball the money around, let people get equity in their home, and then throw it back out and handball it again. No. I get that from\n\nChannel 1: Yeah.\n\nChannel 0: her point of view. Okay. So hands tied behind back.\n\nChannel 1: Yeah. So I'm open to it. I'm just more so worried about the yeah. Like, nearly on my feet again, but, like, just would like that steady income flow for a few months, especially going out to Christmas. And then after that, I'll be more than happy\n\nChannel 0: Okay.\n\nChannel 1: to do that.\n\nChannel 0: Alright. No.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: That\n\nChannel 1: thinking\n\nChannel 0: that's\n\nChannel 1: like,\n\nChannel 0: okay.\n\nChannel 1: what\n\nChannel 0: I just I mhmm.\n\nChannel 1: yeah. Like,\n\nChannel 0: Sorry.\n\nChannel 1: how much would I need to smash into that loan to really crunch it down?\n\nChannel 0: Yes. No. I I don't have an answer. I'm I'm just I'm just expressing concern over the specific structuring and not\n\nChannel 1: Oh,\n\nChannel 0: potentially\n\nChannel 1: yeah.\n\nChannel 0: looking at don't be wrong. Like, it like, what I'm suggesting is a little bit, like, left field, but it's not stupid insane. It's just structuring it a little bit differently to save on interest over the long term. So it just depend\n\nChannel 1: Yeah.\n\nChannel 0: on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before. It's, like, structuring loans in different ways to specifically get these kinds of benefit. Because consolidate\n\nChannel 1: Yep.\n\nChannel 0: like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off. Granted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you. And different\n\nChannel 1: Oh, yeah.\n\nChannel 0: brokers work in different ways. So it could be something that's restricted from us being able to do that right now. It it just all depends on circumstance and your broker and what avenues they've looked at. Because\n\nChannel 1: Yep.\n\nChannel 0: even in my industry, every adviser is different.\n\nChannel 1: But I feel like it's also up to CV as well. Like, if we if we can't\n\nChannel 0: Can be. Yes.\n\nChannel 1: eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today.\n\nChannel 0: Yep.\n\nChannel 1: And so\n\nChannel 0: It also depends on\n\nChannel 1: yeah.\n\nChannel 0: equity in your house. So, like, what your LVR is.\n\nChannel 1: Oh, we got a shit\n\nChannel 0: It\n\nChannel 1: ton.\n\nChannel 0: it has a so it it it depends on all the variables that are that are sitting there. But yeah. Look. I'm I'm I'm literally just spitballing with you ahead of our meeting because\n\nChannel 1: Yeah.\n\nChannel 0: you've now\n\nChannel 1: Yep.\n\nChannel 0: got the thoughts flowing. But\n\nChannel 1: Yeah.\n\nChannel 0: look. I what I might do is I'll just I'll reach out to one of my broker friends and colleagues, and I'll just have a conversation, about whether CBA offer this avenues just as a general, obviously, not disclosing of your personal information,\n\nChannel 1: Yep.\n\nChannel 0: and just kind of spitball with them to see if it's the avenue it could have. And then we'll meet next Tuesday. I can give you all the information that I've found, everything that I've got that I've got. I'll send the invite, and we can we can just kind of go from there and just see where we land the options that we have available. Cool.\n\nChannel 1: Awesome.\n\nChannel 0: Perfect.\n\nChannel 1: Well,\n\nChannel 0: Well, I have def definitely choose your ear off for more than you probably intended, but\n\nChannel 1: alright.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: think we\n\nChannel 1: a dry\n\nChannel 0: can probably\n\nChannel 1: egg block.\n\nChannel 0: get\n\nChannel 1: I wasn't\n\nChannel 0: a\n\nChannel 1: expecting\n\nChannel 0: pretty decent\n\nChannel 1: it.\n\nChannel 0: plan going. Me either, but that's okay. I think we can get a pretty decent plan going ahead. I'm actually kind of excited for it. So let me get my notes in.\n\nLet me start doing some research happening, and I'll meet with you next Tuesday.\n\nChannel 1: Fantastic. No. Thank you so much for your time. Appreciate it.\n\nChannel 0: Nope. That's okay, Crystal. Looking forward to it.\n\nChannel 1: Alright. Have a good\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.143445685505867},{"text":"It's","start":1.56,"end":2.06,"sentiment":"neutral","sentiment_score":0.2005351483821869}],"sentiment":"neutral","sentiment_score":0.17199041694402695,"channel":0,"num_words":2,"start":0.0,"end":2.06},{"sentences":[{"text":"Hey.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.2318841814994812}],"sentiment":"neutral","sentiment_score":0.2318841814994812,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"way","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.31530678272247314}],"sentiment":"neutral","sentiment_score":0.31530678272247314,"channel":0,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Oh, that tastes better.","start":4.48,"end":5.54,"sentiment":"positive","sentiment_score":0.4496462643146515}],"sentiment":"positive","sentiment_score":0.4496462643146515,"channel":1,"num_words":4,"start":4.48,"end":5.54},{"sentences":[{"text":"better on my line, so perfect.","start":7.04,"end":8.74,"sentiment":"positive","sentiment_score":0.6537768145402273},{"text":"Because this is a new call, I do need to let you know.","start":9.44,"end":11.28,"sentiment":"neutral","sentiment_score":0.05511483664696033},{"text":"Call's recorded, and sorry to do it to you, but I do need to complete security.","start":11.28,"end":14.74,"sentiment":"neutral","sentiment_score":-0.03206435860556667},{"text":"There's a there's a a password on file?","start":15.715,"end":18.775,"sentiment":"neutral","sentiment_score":-0.0037731691409135237}],"sentiment":"neutral","sentiment_score":0.09525438774035984,"channel":0,"num_words":43,"start":7.04,"end":18.775},{"sentences":[{"text":"Yeah.","start":19.075,"end":19.575,"sentiment":"neutral","sentiment_score":0.020629769191145897},{"text":"Liliana.","start":19.635,"end":20.135,"sentiment":"neutral","sentiment_score":0.05531554296612739}],"sentiment":"neutral","sentiment_score":0.037972656078636646,"channel":1,"num_words":2,"start":19.075,"end":20.135},{"sentences":[{"text":"Thank you.","start":21.075,"end":21.814999,"sentiment":"neutral","sentiment_score":0.3157278895378113},{"text":"Okay.","start":22.435,"end":22.914999,"sentiment":"neutral","sentiment_score":0.036165185272693634},{"text":"So Caden gave me a really brief rundown, but just to recap my knowledge, partner doesn't work, hasn't worked in seven years.","start":22.914999,"end":32.190002,"sentiment":"neutral","sentiment_score":-0.0269626672803001},{"text":"We have a baby not intending on returning to work anytime soon, if ever.","start":32.41,"end":36.83,"sentiment":"neutral","sentiment_score":-0.08232459000178746},{"text":"ATO has claimed super that's been accumulated, and it's now sitting as basically ATO unclaimed funds.","start":38.73,"end":46.785,"sentiment":"neutral","sentiment_score":-0.03227384516503662}],"sentiment":"neutral","sentiment_score":-0.028990609063343567,"channel":0,"num_words":55,"start":21.075,"end":46.785},{"sentences":[{"text":"Correct.","start":47.845,"end":48.345,"sentiment":"neutral","sentiment_score":0.00900302454829216}],"sentiment":"neutral","sentiment_score":0.00900302454829216,"channel":1,"num_words":1,"start":47.845,"end":48.345},{"sentences":[{"text":"Cool.","start":49.085,"end":49.585,"sentiment":"neutral","sentiment_score":0.03874053433537483}],"sentiment":"neutral","sentiment_score":0.03874053433537483,"channel":0,"num_words":1,"start":49.085,"end":49.585},{"sentences":[{"text":"For shit, eleven, nearly twelve years now.","start":50.485,"end":53.629997,"sentiment":"negative","sentiment_score":-0.39212269868169514},{"text":"So and I promise her she could say I say my mom is wrong as I live.","start":53.629997,"end":60.55,"sentiment":"neutral","sentiment_score":-0.24141611509463368},{"text":"So yeah.","start":60.55,"end":61.699997,"sentiment":"neutral","sentiment_score":-0.08693232759833336}],"sentiment":"neutral","sentiment_score":-0.27010759625297326,"channel":1,"num_words":26,"start":50.485,"end":61.699997},{"sentences":[{"text":"No.","start":62.3,"end":62.46,"sentiment":"neutral","sentiment_score":-0.06820088624954224},{"text":"I love.","start":62.46,"end":63.12,"sentiment":"neutral","sentiment_score":0.11493591964244843},{"text":"What?","start":63.18,"end":63.5,"sentiment":"neutral","sentiment_score":0.12017211318016052},{"text":"Perfection.","start":63.5,"end":64.0,"sentiment":"positive","sentiment_score":0.5775448083877563},{"text":"Man of Mary and Hart.","start":65.5,"end":66.7,"sentiment":"neutral","sentiment_score":0.26124892234802244}],"sentiment":"neutral","sentiment_score":0.21656324863433837,"channel":0,"num_words":10,"start":62.3,"end":66.7},{"sentences":[{"text":"Well, there's a couple of ways it can be done.","start":66.7,"end":71.84,"sentiment":"neutral","sentiment_score":0.04687643870711326},{"text":"Can I ask how much money is there?","start":72.825005,"end":74.925,"sentiment":"neutral","sentiment_score":0.003529408131726086}],"sentiment":"neutral","sentiment_score":0.027611091784718964,"channel":0,"num_words":18,"start":66.7,"end":74.925},{"sentences":[{"text":"I think it looks $5.","start":76.445,"end":78.81,"sentiment":"neutral","sentiment_score":-0.003856066521257162},{"text":"So only for a few years that shows a a retail manager.","start":78.81,"end":82.83,"sentiment":"neutral","sentiment_score":-0.008754354125509659}],"sentiment":"neutral","sentiment_score":-0.007313681300729513,"channel":1,"num_words":17,"start":76.445,"end":82.83},{"sentences":[{"text":"Can you repeat the amount?","start":84.185005,"end":85.545006,"sentiment":"neutral","sentiment_score":-0.004593510366976261},{"text":"Sorry.","start":85.545006,"end":86.045006,"sentiment":"neutral","sentiment_score":-0.044058751314878464}],"sentiment":"neutral","sentiment_score":-0.011171050524959961,"channel":0,"num_words":6,"start":84.185005,"end":86.045006},{"sentences":[{"text":"It's roughly between 7 and 8 k from memory.","start":87.29,"end":90.909996,"sentiment":"neutral","sentiment_score":-0.02006335722075568}],"sentiment":"neutral","sentiment_score":-0.02006335722075568,"channel":1,"num_words":9,"start":87.29,"end":90.909996},{"sentences":[{"text":"Okay.","start":90.49,"end":90.89,"sentiment":"neutral","sentiment_score":0.013319880701601504},{"text":"Alright.","start":90.89,"end":91.369995,"sentiment":"neutral","sentiment_score":0.024230284616351128},{"text":"Yeah.","start":91.369995,"end":91.61,"sentiment":"neutral","sentiment_score":0.02038043737411499},{"text":"Yeah.","start":91.61,"end":91.85,"sentiment":"neutral","sentiment_score":0.017496103420853615},{"text":"No.","start":91.85,"end":91.93,"sentiment":"neutral","sentiment_score":0.009174654260277748}],"sentiment":"neutral","sentiment_score":0.016920272074639798,"channel":0,"num_words":5,"start":90.49,"end":91.93},{"sentences":[{"text":"That's okay.","start":91.93,"end":92.49,"sentiment":"neutral","sentiment_score":0.06061887368559837},{"text":"Cool.","start":92.49,"end":92.99,"sentiment":"neutral","sentiment_score":0.10435827821493147},{"text":"Okay.","start":94.009995,"end":94.49,"sentiment":"neutral","sentiment_score":0.02027868665754795},{"text":"So Just kind of like the the non easiest way, but the the way that I can think of that probably the quickest is technically it's it's not quick.","start":94.49,"end":119.33,"sentiment":"neutral","sentiment_score":-0.06818975495367215},{"text":"It's not easy, actually.","start":119.33,"end":120.47,"sentiment":"neutral","sentiment_score":-0.14213193207979202}],"sentiment":"neutral","sentiment_score":-0.06216637593870227,"channel":0,"num_words":37,"start":91.93,"end":120.47},{"sentences":[{"text":"But the one that's coming to mind is realistically, like, a separation of assets.","start":120.93,"end":128.31,"sentiment":"neutral","sentiment_score":-0.029373028315603733},{"text":"Basically, it it comes down to, like, a divorce agreement where funds are then transferred over from her to you, super wise.","start":129.33,"end":137.835,"sentiment":"neutral","sentiment_score":0.04081589027985253},{"text":"It becomes a family law flag with the super fund, and it can be done that way.","start":137.895,"end":142.55501,"sentiment":"neutral","sentiment_score":0.06722659486181595},{"text":"Alternatively to that, which obviously is a whole heap of paperwork and a whole lot of nonsense, you can do it without obviously paying fees.","start":143.57501,"end":152.7,"sentiment":"neutral","sentiment_score":-0.11428257375955582},{"text":"You can do it by yourself.","start":152.7,"end":153.9,"sentiment":"neutral","sentiment_score":0.004487226406733195}],"sentiment":"neutral","sentiment_score":-0.014292400989991924,"channel":0,"num_words":84,"start":120.93,"end":153.9},{"sentences":[{"text":"It's just it's a lot of paperwork that $8 be transferred.","start":153.9,"end":157.12,"sentiment":"neutral","sentiment_score":-0.1303977830843492},{"text":"That is one of the ways to kinda get around it.","start":159.42,"end":162.075,"sentiment":"neutral","sentiment_score":-0.08649877526543358},{"text":"There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is","start":165.995,"end":178.90001,"sentiment":"neutral","sentiment_score":-0.05369266507526239}],"sentiment":"neutral","sentiment_score":-0.07685850180972081,"channel":0,"num_words":52,"start":153.9,"end":178.90001},{"sentences":[{"text":"July.","start":178.605,"end":179.105,"sentiment":"neutral","sentiment_score":-0.05707714706659317}],"sentiment":"neutral","sentiment_score":-0.05707714706659317,"channel":1,"num_words":1,"start":178.605,"end":179.105},{"sentences":[{"text":"something that's called sorry.","start":178.90001,"end":181.14,"sentiment":"neutral","sentiment_score":-0.08910719584673643},{"text":"What was that?","start":181.14,"end":181.88,"sentiment":"neutral","sentiment_score":-0.14183996121088663}],"sentiment":"neutral","sentiment_score":-0.11170695243137223,"channel":0,"num_words":7,"start":178.90001,"end":181.88},{"sentences":[{"text":"Oh, sorry.","start":182.685,"end":183.085,"sentiment":"neutral","sentiment_score":-0.18642457574605942},{"text":"We've just been cutting in and out.","start":183.085,"end":184.525,"sentiment":"neutral","sentiment_score":-0.26033637140478405},{"text":"Yep.","start":184.525,"end":184.725,"sentiment":"neutral","sentiment_score":0.08535830676555634},{"text":"We finally got you.","start":184.725,"end":185.905,"sentiment":"neutral","sentiment_score":0.08121957257390022}],"sentiment":"neutral","sentiment_score":-0.12749765387603215,"channel":1,"num_words":14,"start":182.685,"end":185.905},{"sentences":[{"text":"Oh, no.","start":185.46,"end":186.2,"sentiment":"neutral","sentiment_score":-0.17296325415372849},{"text":"Sorry.","start":186.34,"end":186.84,"sentiment":"neutral","sentiment_score":-0.18988727033138275},{"text":"Okay.","start":187.38,"end":187.88,"sentiment":"neutral","sentiment_score":-0.10865148901939392}],"sentiment":"neutral","sentiment_score":-0.1611163169145584,"channel":0,"num_words":4,"start":185.46,"end":187.88},{"sentences":[{"text":"No.","start":188.605,"end":188.765,"sentiment":"neutral","sentiment_score":-0.2357117235660553}],"sentiment":"neutral","sentiment_score":-0.2357117235660553,"channel":1,"num_words":1,"start":188.605,"end":188.765},{"sentences":[{"text":"Sorry.","start":188.66,"end":189.06,"sentiment":"neutral","sentiment_score":-0.1844916939735413}],"sentiment":"neutral","sentiment_score":-0.1844916939735413,"channel":0,"num_words":1,"start":188.66,"end":189.06},{"sentences":[{"text":"I was just","start":188.765,"end":189.165,"sentiment":"neutral","sentiment_score":-0.17843965192635855}],"sentiment":"neutral","sentiment_score":-0.17843965192635855,"channel":1,"num_words":3,"start":188.765,"end":189.165},{"sentences":[{"text":"I","start":189.06,"end":189.3,"sentiment":"neutral","sentiment_score":-0.18880759179592133}],"sentiment":"neutral","sentiment_score":-0.18880759179592133,"channel":0,"num_words":1,"start":189.06,"end":189.3},{"sentences":[{"text":"saying to your colleague before, I did have June and July off work.","start":189.165,"end":194.95,"sentiment":"neutral","sentiment_score":-0.1263103737280919},{"text":"Essentially, left my workplace, and it's only until early August.","start":195.96999,"end":200.93,"sentiment":"neutral","sentiment_score":-0.16240030378103257},{"text":"So I had a job, so I could have claimed","start":200.93,"end":203.18999,"sentiment":"neutral","sentiment_score":-0.1538587436079979}],"sentiment":"neutral","sentiment_score":-0.14559470704107574,"channel":1,"num_words":33,"start":189.165,"end":203.18999},{"sentences":[{"text":"Yep.","start":202.705,"end":203.205,"sentiment":"neutral","sentiment_score":-0.18022851645946503}],"sentiment":"neutral","sentiment_score":-0.18022851645946503,"channel":0,"num_words":1,"start":202.705,"end":203.205},{"sentences":[{"text":"financial hardship back, yeah, Last month.","start":203.56999,"end":211.005,"sentiment":"neutral","sentiment_score":-0.25167059898376465}],"sentiment":"neutral","sentiment_score":-0.25167059898376465,"channel":1,"num_words":6,"start":203.56999,"end":211.005},{"sentences":[{"text":"Okay.","start":211.07,"end":211.47,"sentiment":"neutral","sentiment_score":-0.058124154806137085},{"text":"So yep.","start":211.47,"end":212.77,"sentiment":"neutral","sentiment_score":-0.048406404443085194},{"text":"Okay.","start":214.83,"end":215.23001,"sentiment":"neutral","sentiment_score":-0.03281078115105629},{"text":"So you you were nonworking June, July?","start":215.23001,"end":219.09001,"sentiment":"neutral","sentiment_score":-0.10408878432852882}],"sentiment":"neutral","sentiment_score":-0.08330629410391505,"channel":0,"num_words":11,"start":211.07,"end":219.09001},{"sentences":[{"text":"Yep.","start":219.86,"end":220.36,"sentiment":"neutral","sentiment_score":-0.0683198794722557}],"sentiment":"neutral","sentiment_score":-0.0683198794722557,"channel":1,"num_words":1,"start":219.86,"end":220.36},{"sentences":[{"text":"Like, transitioning between jobs?","start":219.95001,"end":221.415,"sentiment":"neutral","sentiment_score":-0.0819700937718153}],"sentiment":"neutral","sentiment_score":-0.0819700937718153,"channel":0,"num_words":4,"start":219.95001,"end":221.415},{"sentences":[{"text":"Yes.","start":222.34,"end":222.84,"sentiment":"neutral","sentiment_score":-0.007406754419207573}],"sentiment":"neutral","sentiment_score":-0.007406754419207573,"channel":1,"num_words":1,"start":222.34,"end":222.84},{"sentences":[{"text":"Okay.","start":224.61499,"end":225.11499,"sentiment":"neutral","sentiment_score":-0.038388658314943314},{"text":"So transitioning between jobs doesn't allow you to claim hardship on the super.","start":227.495,"end":241.26999,"sentiment":"neutral","sentiment_score":-0.21902799147825974},{"text":"There's really, really, really specific requirements for it.","start":241.65,"end":245.03,"sentiment":"neutral","sentiment_score":-0.21885652653872967}],"sentiment":"neutral","sentiment_score":-0.21075476181100716,"channel":0,"num_words":22,"start":224.61499,"end":245.03},{"sentences":[{"text":"Yep.","start":245.695,"end":246.195,"sentiment":"neutral","sentiment_score":0.012428591959178448}],"sentiment":"neutral","sentiment_score":0.012428591959178448,"channel":1,"num_words":1,"start":245.695,"end":246.195},{"sentences":[{"text":"Can I ask how much how like, what is your annual income?","start":247.89,"end":251.43,"sentiment":"neutral","sentiment_score":-0.005723907922705014}],"sentiment":"neutral","sentiment_score":-0.005723907922705014,"channel":0,"num_words":12,"start":247.89,"end":251.43},{"sentences":[{"text":"$1.75.","start":252.33,"end":253.55,"sentiment":"neutral","sentiment_score":0.0023901648819446564}],"sentiment":"neutral","sentiment_score":0.0023901648819446564,"channel":1,"num_words":1,"start":252.33,"end":253.55},{"sentences":[{"text":"Okay.","start":254.825,"end":255.325,"sentiment":"neutral","sentiment_score":0.03337017446756363},{"text":"So you are a high income earner, like, in terms of sort of tax bracket.","start":255.705,"end":261.885,"sentiment":"neutral","sentiment_score":0.03798815732200941},{"text":"Okay.","start":265.85,"end":266.17,"sentiment":"neutral","sentiment_score":0.05459306761622429},{"text":"So there's there's sort of three avenues I'm kind of spitballing at the moment.","start":266.17,"end":270.99002,"sentiment":"neutral","sentiment_score":-0.04401716323835509},{"text":"If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting.","start":271.77002,"end":288.205,"sentiment":"neutral","sentiment_score":0.02116501848429961}],"sentiment":"neutral","sentiment_score":0.012860015018943799,"channel":0,"num_words":74,"start":254.825,"end":288.205},{"sentences":[{"text":"Generally, we can only transfer about 85% of the funds.","start":289.305,"end":294.15,"sentiment":"neutral","sentiment_score":-0.059119400754570964},{"text":"I need to just investigate it because, obviously, she hasn't contributed anything into the fund.","start":294.21,"end":299.35,"sentiment":"neutral","sentiment_score":-0.16976670175790787},{"text":"How we can sort of navigate that caveat,","start":300.85,"end":303.43,"sentiment":"neutral","sentiment_score":-0.06252677645534277}],"sentiment":"neutral","sentiment_score":-0.11023965895627484,"channel":0,"num_words":33,"start":289.305,"end":303.43},{"sentences":[{"text":"Could","start":303.54,"end":304.04,"sentiment":"neutral","sentiment_score":-0.046255335211753845}],"sentiment":"neutral","sentiment_score":-0.046255335211753845,"channel":1,"num_words":1,"start":303.54,"end":304.04},{"sentences":[{"text":"That that could be an avenue that we could look down.","start":305.445,"end":307.625,"sentiment":"neutral","sentiment_score":-0.06596617840907791},{"text":"Yeah?","start":308.005,"end":308.505,"sentiment":"neutral","sentiment_score":0.02830493450164795}],"sentiment":"neutral","sentiment_score":-0.058110252333184086,"channel":0,"num_words":12,"start":305.445,"end":308.505},{"sentences":[{"text":"is there a way to do a joint, yeah, like you said, just server account?","start":309.54,"end":313.86002,"sentiment":"neutral","sentiment_score":0.03495105529824893},{"text":"Like, is there a way to add her name to my account and then that sort of counts as her server account?","start":313.86002,"end":321.255,"sentiment":"neutral","sentiment_score":0.029197874732992866},{"text":"Or is it just individual across the board?","start":321.255,"end":323.675,"sentiment":"neutral","sentiment_score":-0.01664830418303609}],"sentiment":"neutral","sentiment_score":0.022965169780784184,"channel":1,"num_words":45,"start":309.54,"end":323.675},{"sentences":[{"text":"It's individual across the board.","start":324.26,"end":326.12,"sentiment":"neutral","sentiment_score":-0.012797773256897927}],"sentiment":"neutral","sentiment_score":-0.012797773256897927,"channel":0,"num_words":5,"start":324.26,"end":326.12},{"sentences":[{"text":"Damn.","start":326.775,"end":327.275,"sentiment":"neutral","sentiment_score":-0.22882835566997528}],"sentiment":"neutral","sentiment_score":-0.22882835566997528,"channel":1,"num_words":1,"start":326.775,"end":327.275},{"sentences":[{"text":"Yeah.","start":328.42,"end":328.90002,"sentiment":"neutral","sentiment_score":-0.06419812142848969},{"text":"So, like, in a in a divorce, superannuation can form part of the marital assets and can be utilized to basically transition across.","start":328.90002,"end":341.065,"sentiment":"neutral","sentiment_score":0.1525316005167754},{"text":"So theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super.","start":341.125,"end":354.24002,"sentiment":"neutral","sentiment_score":0.16836077962503876},{"text":"Outside of that,","start":355.58002,"end":356.64,"sentiment":"neutral","sentiment_score":0.038247982040047646}],"sentiment":"neutral","sentiment_score":0.15426123086363078,"channel":0,"num_words":70,"start":328.42,"end":356.64},{"sentences":[{"text":"Yeah.","start":358.19498,"end":358.675,"sentiment":"neutral","sentiment_score":0.011843264102935793}],"sentiment":"neutral","sentiment_score":0.011843264102935793,"channel":1,"num_words":1,"start":358.19498,"end":358.675},{"sentences":[{"text":"like, even an","start":358.22,"end":358.86002,"sentiment":"neutral","sentiment_score":0.0059263259172439575}],"sentiment":"neutral","sentiment_score":0.0059263259172439575,"channel":0,"num_words":3,"start":358.22,"end":358.86002},{"sentences":[{"text":"Don't","start":358.675,"end":359.155,"sentiment":"neutral","sentiment_score":-0.1063661202788353}],"sentiment":"neutral","sentiment_score":-0.1063661202788353,"channel":1,"num_words":1,"start":358.675,"end":359.155},{"sentences":[{"text":"like","start":359.02002,"end":359.26,"sentiment":"neutral","sentiment_score":-0.23045209050178528}],"sentiment":"neutral","sentiment_score":-0.23045209050178528,"channel":0,"num_words":1,"start":359.02002,"end":359.26},{"sentences":[{"text":"feel","start":359.155,"end":359.31497,"sentiment":"neutral","sentiment_score":-0.178854838013649}],"sentiment":"neutral","sentiment_score":-0.178854838013649,"channel":1,"num_words":1,"start":359.155,"end":359.31497},{"sentences":[{"text":"a","start":359.26,"end":359.34003,"sentiment":"neutral","sentiment_score":-0.1677519977092743}],"sentiment":"neutral","sentiment_score":-0.1677519977092743,"channel":0,"num_words":1,"start":359.26,"end":359.34003},{"sentences":[{"text":"like","start":359.31497,"end":359.555,"sentiment":"neutral","sentiment_score":-0.17948812246322632}],"sentiment":"neutral","sentiment_score":-0.17948812246322632,"channel":1,"num_words":1,"start":359.31497,"end":359.555},{"sentences":[{"text":"even","start":359.42,"end":359.74002,"sentiment":"neutral","sentiment_score":-0.10841178894042967}],"sentiment":"neutral","sentiment_score":-0.10841178894042967,"channel":0,"num_words":1,"start":359.42,"end":359.74002},{"sentences":[{"text":"getting","start":359.555,"end":359.79498,"sentiment":"neutral","sentiment_score":-0.15099039673805237}],"sentiment":"neutral","sentiment_score":-0.15099039673805237,"channel":1,"num_words":1,"start":359.555,"end":359.79498},{"sentences":[{"text":"a","start":359.74002,"end":359.985,"sentiment":"neutral","sentiment_score":-0.10491172969341278}],"sentiment":"neutral","sentiment_score":-0.10491172969341278,"channel":0,"num_words":1,"start":359.74002,"end":359.985},{"sentences":[{"text":"the","start":359.79498,"end":360.06,"sentiment":"neutral","sentiment_score":-0.0954226180911064}],"sentiment":"neutral","sentiment_score":-0.0954226180911064,"channel":1,"num_words":1,"start":359.79498,"end":360.06},{"sentences":[{"text":"self no.","start":360.06497,"end":361.84497,"sentiment":"neutral","sentiment_score":-0.10604282468557358},{"text":"Like, you don't have to proceed with the actual divorce.","start":362.06497,"end":364.305,"sentiment":"neutral","sentiment_score":-0.049620719626545906},{"text":"It would it's just basically paperwork wise, like, financial planning, but it's still a split headache","start":364.305,"end":370.645,"sentiment":"neutral","sentiment_score":-0.1774461369495839}],"sentiment":"neutral","sentiment_score":-0.12669396560106957,"channel":0,"num_words":28,"start":360.06497,"end":370.645},{"sentences":[{"text":"phones.","start":371.5,"end":371.82,"sentiment":"neutral","sentiment_score":-0.20695385336875916},{"text":"Yeah.","start":371.82,"end":372.32,"sentiment":"neutral","sentiment_score":-0.015596428886055946}],"sentiment":"neutral","sentiment_score":-0.11127514112740755,"channel":1,"num_words":2,"start":371.5,"end":372.32},{"sentences":[{"text":"to to go through that.","start":373.425,"end":374.72498,"sentiment":"neutral","sentiment_score":-0.0249919556081295},{"text":"She wouldn't be receiving Centrelink payments, would she?","start":377.22,"end":379.30002,"sentiment":"neutral","sentiment_score":-0.12431478686630726},{"text":"Because your income's too high.","start":379.30002,"end":381.88,"sentiment":"neutral","sentiment_score":-0.2339284598827362}],"sentiment":"neutral","sentiment_score":-0.12717335402137703,"channel":0,"num_words":18,"start":373.425,"end":381.88},{"sentences":[{"text":"No.","start":383.105,"end":383.345,"sentiment":"neutral","sentiment_score":-0.17626938223838806},{"text":"We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible.","start":383.345,"end":396.38,"sentiment":"neutral","sentiment_score":-0.02871153018038188},{"text":"So just currently got a claim in the last year and this financial year.","start":396.44,"end":401.175,"sentiment":"neutral","sentiment_score":-0.021660689796720232},{"text":"So I","start":401.175,"end":401.995,"sentiment":"neutral","sentiment_score":0.0061302706599235535}],"sentiment":"neutral","sentiment_score":-0.02824847429162926,"channel":1,"num_words":45,"start":383.105,"end":401.995},{"sentences":[{"text":"Yep.","start":402.09003,"end":402.59003,"sentiment":"neutral","sentiment_score":0.008123917505145073}],"sentiment":"neutral","sentiment_score":0.008123917505145073,"channel":0,"num_words":1,"start":402.09003,"end":402.59003},{"sentences":[{"text":"think it's actually yeah.","start":402.13498,"end":403.495,"sentiment":"neutral","sentiment_score":-0.037416206672787666},{"text":"She it's not gonna be a lot, but at least it should've been something that's all gone.","start":403.495,"end":407.03497,"sentiment":"neutral","sentiment_score":-0.259163061485571}],"sentiment":"neutral","sentiment_score":-0.21692556533075513,"channel":1,"num_words":21,"start":402.13498,"end":407.03497},{"sentences":[{"text":"Okay.","start":408.09003,"end":408.59003,"sentiment":"neutral","sentiment_score":0.00018467940390110016}],"sentiment":"neutral","sentiment_score":0.00018467940390110016,"channel":0,"num_words":1,"start":408.09003,"end":408.59003},{"sentences":[{"text":"Yeah.","start":409.25497,"end":409.75497,"sentiment":"neutral","sentiment_score":-0.00483243353664875}],"sentiment":"neutral","sentiment_score":-0.00483243353664875,"channel":1,"num_words":1,"start":409.25497,"end":409.75497},{"sentences":[{"text":"What what did we put in a claim for under Fintech Link?","start":410.49002,"end":414.195,"sentiment":"neutral","sentiment_score":0.004695984534919262}],"sentiment":"neutral","sentiment_score":0.004695984534919262,"channel":0,"num_words":12,"start":410.49002,"end":414.195},{"sentences":[{"text":"Family","start":415.7,"end":416.1,"sentiment":"neutral","sentiment_score":-0.01101202517747879}],"sentiment":"neutral","sentiment_score":-0.01101202517747879,"channel":1,"num_words":1,"start":415.7,"end":416.1},{"sentences":[{"text":"Like,","start":415.715,"end":416.215,"sentiment":"neutral","sentiment_score":-0.008147847838699818}],"sentiment":"neutral","sentiment_score":-0.008147847838699818,"channel":0,"num_words":1,"start":415.715,"end":416.215},{"sentences":[{"text":"tax a and","start":416.1,"end":416.98,"sentiment":"neutral","sentiment_score":-0.002634324754277865}],"sentiment":"neutral","sentiment_score":-0.002634324754277865,"channel":1,"num_words":3,"start":416.1,"end":416.98},{"sentences":[{"text":"family","start":416.83502,"end":417.33502,"sentiment":"neutral","sentiment_score":-0.016047518700361252}],"sentiment":"neutral","sentiment_score":-0.016047518700361252,"channel":0,"num_words":1,"start":416.83502,"end":417.33502},{"sentences":[{"text":"b.","start":416.98,"end":417.48,"sentiment":"neutral","sentiment_score":-0.010346661321818829}],"sentiment":"neutral","sentiment_score":-0.010346661321818829,"channel":1,"num_words":1,"start":416.98,"end":417.48},{"sentences":[{"text":"tax?","start":417.39502,"end":417.89502,"sentiment":"neutral","sentiment_score":-0.005212442018091679},{"text":"Okay.","start":418.195,"end":418.695,"sentiment":"neutral","sentiment_score":0.007054065354168415},{"text":"And you said she's receiving carer's","start":420.995,"end":423.095,"sentiment":"neutral","sentiment_score":0.005697728445132573}],"sentiment":"neutral","sentiment_score":0.004503499250859022,"channel":0,"num_words":8,"start":417.39502,"end":423.095},{"sentences":[{"text":"Alliance","start":424.26,"end":424.76,"sentiment":"neutral","sentiment_score":0.01519457995891571}],"sentiment":"neutral","sentiment_score":0.01519457995891571,"channel":1,"num_words":1,"start":424.26,"end":424.76},{"sentences":[{"text":"payments","start":424.595,"end":425.095,"sentiment":"neutral","sentiment_score":0.020693378522992138}],"sentiment":"neutral","sentiment_score":0.020693378522992138,"channel":0,"num_words":1,"start":424.595,"end":425.095},{"sentences":[{"text":"Yeah.","start":425.79498,"end":426.19498,"sentiment":"neutral","sentiment_score":-0.00022076768800616264}],"sentiment":"neutral","sentiment_score":-0.00022076768800616264,"channel":1,"num_words":1,"start":425.79498,"end":426.19498},{"sentences":[{"text":"or allowed?","start":425.795,"end":426.435,"sentiment":"neutral","sentiment_score":-0.0007692566141486168}],"sentiment":"neutral","sentiment_score":-0.0007692566141486168,"channel":0,"num_words":2,"start":425.795,"end":426.435},{"sentences":[{"text":"Payment.","start":426.19498,"end":426.69498,"sentiment":"neutral","sentiment_score":-0.017566625028848648}],"sentiment":"neutral","sentiment_score":-0.017566625028848648,"channel":1,"num_words":1,"start":426.19498,"end":426.69498},{"sentences":[{"text":"Okay.","start":426.435,"end":426.935,"sentiment":"neutral","sentiment_score":-0.0059173861518502235}],"sentiment":"neutral","sentiment_score":-0.0059173861518502235,"channel":0,"num_words":1,"start":426.435,"end":426.935},{"sentences":[{"text":"Yeah.","start":428.03497,"end":428.35498,"sentiment":"neutral","sentiment_score":-0.015795601531863213},{"text":"I have to double check that because I know there's two there's a payment and there's a layout.","start":428.35498,"end":431.79498,"sentiment":"neutral","sentiment_score":-0.05582961791919337},{"text":"It's a pretty short payment.","start":431.79498,"end":433.25497,"sentiment":"neutral","sentiment_score":-0.09257555305957794}],"sentiment":"neutral","sentiment_score":-0.0618169370573014,"channel":1,"num_words":24,"start":428.03497,"end":433.25497},{"sentences":[{"text":"Correct.","start":433.05,"end":433.55,"sentiment":"neutral","sentiment_score":0.046314217150211334},{"text":"Okay.","start":434.33,"end":434.81,"sentiment":"neutral","sentiment_score":0.06080739200115204},{"text":"So this this might actually help you.","start":434.81,"end":437.71,"sentiment":"neutral","sentiment_score":0.1484344686780657},{"text":"A pay a carer's allowance is about a $114 a fortnight.","start":438.25,"end":442.59,"sentiment":"neutral","sentiment_score":0.09563644839958711},{"text":"Carer's payment is 6 something per","start":443.135,"end":449.715,"sentiment":"neutral","sentiment_score":0.04398160117367903}],"sentiment":"neutral","sentiment_score":0.09469436266674446,"channel":0,"num_words":26,"start":433.05,"end":449.715},{"sentences":[{"text":"She's on one","start":450.735,"end":451.875,"sentiment":"neutral","sentiment_score":0.026497581352790196}],"sentiment":"neutral","sentiment_score":0.026497581352790196,"channel":1,"num_words":3,"start":450.735,"end":451.875},{"sentences":[{"text":"fortnight.","start":452.495,"end":452.995,"sentiment":"neutral","sentiment_score":0.022767700254917145}],"sentiment":"neutral","sentiment_score":0.022767700254917145,"channel":0,"num_words":1,"start":452.495,"end":452.995},{"sentences":[{"text":"$1.60 or something.","start":452.655,"end":454.035,"sentiment":"neutral","sentiment_score":0.034422874450683594}],"sentiment":"neutral","sentiment_score":0.034422874450683594,"channel":1,"num_words":3,"start":452.655,"end":454.035},{"sentences":[{"text":"Okay.","start":455.295,"end":455.795,"sentiment":"neutral","sentiment_score":0.04613595083355904},{"text":"Might","start":456.575,"end":456.99,"sentiment":"neutral","sentiment_score":0.046515487134456635}],"sentiment":"neutral","sentiment_score":0.046325718984007835,"channel":0,"num_words":2,"start":455.295,"end":456.99},{"sentences":[{"text":"Yeah.","start":456.895,"end":457.395,"sentiment":"neutral","sentiment_score":0.04090922325849533}],"sentiment":"neutral","sentiment_score":0.04090922325849533,"channel":1,"num_words":1,"start":456.895,"end":457.395},{"sentences":[{"text":"might still be the allowance.","start":457.55,"end":458.77,"sentiment":"neutral","sentiment_score":0.031018274277448653},{"text":"The the allowance figures increased in March.","start":458.99,"end":462.91,"sentiment":"neutral","sentiment_score":0.03337939376277583},{"text":"It's I haven't quite memorized them all yet.","start":462.91,"end":465.65,"sentiment":"neutral","sentiment_score":-0.013692595763131976},{"text":"Okay.","start":466.91,"end":467.15,"sentiment":"neutral","sentiment_score":0.04011790454387665},{"text":"So $1.50.","start":467.15,"end":468.61,"sentiment":"neutral","sentiment_score":0.041919078677892685}],"sentiment":"neutral","sentiment_score":0.01752880102266436,"channel":0,"num_words":23,"start":457.55,"end":468.61},{"sentences":[{"text":"Realistically, if you can confirm what the payment type is,","start":470.50998,"end":474.505,"sentiment":"neutral","sentiment_score":0.03204623833298683}],"sentiment":"neutral","sentiment_score":0.03204623833298683,"channel":0,"num_words":10,"start":470.50998,"end":474.505},{"sentences":[{"text":"Yeah.","start":475.28003,"end":475.78003,"sentiment":"neutral","sentiment_score":0.016606707125902176}],"sentiment":"neutral","sentiment_score":0.016606707125902176,"channel":1,"num_words":1,"start":475.28003,"end":475.78003},{"sentences":[{"text":"she may actually be able to withdraw the money under possibly some type of financial hardship, and that'll just remove it from the super environment.","start":475.685,"end":485.60498,"sentiment":"positive","sentiment_score":0.3420433169603348},{"text":"It will no longer exist in the super environment, and, basically, she'll never have the super funds, and the money comes to you guys and as it like, in your bank account.","start":485.60498,"end":494.22998,"sentiment":"neutral","sentiment_score":0.2693661004304886},{"text":"The downside to this is she has to pay tax on that money because currently, the money in super is only paid superannuation tax, which is 15%, she has to","start":494.53,"end":506.365,"sentiment":"negative","sentiment_score":-0.4154182938237985}],"sentiment":"neutral","sentiment_score":0.05411780831114999,"channel":0,"num_words":87,"start":475.685,"end":506.365},{"sentences":[{"text":"Yeah.","start":507.015,"end":507.415,"sentiment":"neutral","sentiment_score":-0.057711608707904816}],"sentiment":"neutral","sentiment_score":-0.057711608707904816,"channel":1,"num_words":1,"start":507.015,"end":507.415},{"sentences":[{"text":"she'll have","start":507.065,"end":507.545,"sentiment":"neutral","sentiment_score":-0.03427477739751339}],"sentiment":"neutral","sentiment_score":-0.03427477739751339,"channel":0,"num_words":2,"start":507.065,"end":507.545},{"sentences":[{"text":"How","start":507.415,"end":507.655,"sentiment":"neutral","sentiment_score":0.0032502934336662292}],"sentiment":"neutral","sentiment_score":0.0032502934336662292,"channel":1,"num_words":1,"start":507.415,"end":507.655},{"sentences":[{"text":"to","start":507.545,"end":507.705,"sentiment":"neutral","sentiment_score":0.011967532336711884}],"sentiment":"neutral","sentiment_score":0.011967532336711884,"channel":0,"num_words":1,"start":507.545,"end":507.705},{"sentences":[{"text":"much","start":507.655,"end":507.815,"sentiment":"neutral","sentiment_score":0.0016799494624137878}],"sentiment":"neutral","sentiment_score":0.0016799494624137878,"channel":1,"num_words":1,"start":507.655,"end":507.815},{"sentences":[{"text":"pay","start":507.705,"end":508.025,"sentiment":"neutral","sentiment_score":-0.007385373115539551}],"sentiment":"neutral","sentiment_score":-0.007385373115539551,"channel":0,"num_words":1,"start":507.705,"end":508.025},{"sentences":[{"text":"is","start":507.815,"end":508.095,"sentiment":"neutral","sentiment_score":0.026684146374464035}],"sentiment":"neutral","sentiment_score":0.026684146374464035,"channel":1,"num_words":1,"start":507.815,"end":508.095},{"sentences":[{"text":"up","start":508.025,"end":508.265,"sentiment":"neutral","sentiment_score":0.041713640093803406}],"sentiment":"neutral","sentiment_score":0.041713640093803406,"channel":0,"num_words":1,"start":508.025,"end":508.265},{"sentences":[{"text":"the","start":508.095,"end":508.375,"sentiment":"neutral","sentiment_score":0.007839202880859375}],"sentiment":"neutral","sentiment_score":0.007839202880859375,"channel":1,"num_words":1,"start":508.095,"end":508.375},{"sentences":[{"text":"to it's up to 22% of the amount.","start":508.265,"end":511.805,"sentiment":"neutral","sentiment_score":-0.033163494896143675}],"sentiment":"neutral","sentiment_score":-0.033163494896143675,"channel":0,"num_words":8,"start":508.265,"end":511.805},{"sentences":[{"text":"okay.","start":512.535,"end":512.935,"sentiment":"neutral","sentiment_score":0.058218009769916534},{"text":"Well, I mean, something's better than nothing.","start":512.935,"end":514.855,"sentiment":"neutral","sentiment_score":-0.03672572438205991},{"text":"So and I'll keep forgetting it.","start":514.855,"end":516.215,"sentiment":"neutral","sentiment_score":-0.16595942402879396},{"text":"It's it's her.","start":516.215,"end":516.855,"sentiment":"neutral","sentiment_score":-0.04157744844754537},{"text":"So, yeah, she can find financial hardship","start":516.855,"end":518.82,"sentiment":"neutral","sentiment_score":0.07415044627019338}],"sentiment":"neutral","sentiment_score":-0.03334574277202288,"channel":1,"num_words":24,"start":512.535,"end":518.82},{"sentences":[{"text":"Yeah.","start":521.22003,"end":521.46,"sentiment":"neutral","sentiment_score":0.024459999054670337},{"text":"So, like, essentially, it'd be under $2.","start":521.46,"end":523.54,"sentiment":"neutral","sentiment_score":0.002601529305268611},{"text":"You'd still end up walking away with sort of 6","start":523.54,"end":526.04,"sentiment":"neutral","sentiment_score":-0.21221576929092406}],"sentiment":"neutral","sentiment_score":-0.11552705492876056,"channel":0,"num_words":18,"start":521.22003,"end":526.04},{"sentences":[{"text":"or not.","start":526.34,"end":526.74,"sentiment":"neutral","sentiment_score":-0.1435798555612564},{"text":"But","start":526.74,"end":526.9,"sentiment":"neutral","sentiment_score":-0.012883879244327543}],"sentiment":"neutral","sentiment_score":-0.10001453012228012,"channel":1,"num_words":3,"start":526.34,"end":526.9},{"sentences":[{"text":"3","start":526.74,"end":527.22003,"sentiment":"neutral","sentiment_score":-0.0182699766010046}],"sentiment":"neutral","sentiment_score":-0.0182699766010046,"channel":0,"num_words":1,"start":526.74,"end":527.22003},{"sentences":[{"text":"$5.06.","start":527.14,"end":527.86,"sentiment":"neutral","sentiment_score":-0.010695045813918114}],"sentiment":"neutral","sentiment_score":-0.010695045813918114,"channel":1,"num_words":1,"start":527.14,"end":527.86},{"sentences":[{"text":"six 2","start":527.22003,"end":527.86,"sentiment":"neutral","sentiment_score":-0.01099285576492548}],"sentiment":"neutral","sentiment_score":-0.01099285576492548,"channel":0,"num_words":2,"start":527.22003,"end":527.86},{"sentences":[{"text":"Yeah.","start":527.86,"end":528.36,"sentiment":"neutral","sentiment_score":0.06227896362543106}],"sentiment":"neutral","sentiment_score":0.06227896362543106,"channel":1,"num_words":1,"start":527.86,"end":528.36},{"sentences":[{"text":"something.","start":527.86,"end":528.36,"sentiment":"neutral","sentiment_score":-0.008314191363751888}],"sentiment":"neutral","sentiment_score":-0.008314191363751888,"channel":0,"num_words":1,"start":527.86,"end":528.36},{"sentences":[{"text":"Alright.","start":529.7,"end":530.2,"sentiment":"neutral","sentiment_score":0.0991140827536583},{"text":"Yeah.","start":532.095,"end":532.255,"sentiment":"neutral","sentiment_score":0.09011678397655488},{"text":"So I might I'll go on her ATA, click on financial hardship.","start":532.255,"end":536.33496,"sentiment":"neutral","sentiment_score":0.050923538549492754},{"text":"What are they gonna ask for?","start":536.33496,"end":538.015,"sentiment":"neutral","sentiment_score":0.03071617583433787},{"text":"Do you know?","start":538.015,"end":538.675,"sentiment":"neutral","sentiment_score":0.018048944572607677}],"sentiment":"neutral","sentiment_score":0.04516335730643376,"channel":1,"num_words":23,"start":529.7,"end":538.675},{"sentences":[{"text":"So they will ask for confirmation of Centrelink.","start":542.565,"end":546.83,"sentiment":"neutral","sentiment_score":0.09699442703276873},{"text":"So first and foremost, what I'd probably do is, as simple as they are, call Centrelink, and I can email you this.","start":547.05,"end":555.07,"sentiment":"neutral","sentiment_score":0.14667607708410782},{"text":"It's called q two thirty.","start":555.29,"end":556.99,"sentiment":"neutral","sentiment_score":0.11575123369693756},{"text":"It's basically with authority document that stipulates that you are eligible under the superannuation hardship ruling.","start":558.41,"end":566.835,"sentiment":"neutral","sentiment_score":0.10949699324555695},{"text":"That","start":567.695,"end":567.85504,"sentiment":"neutral","sentiment_score":0.06848785281181335}],"sentiment":"neutral","sentiment_score":0.12311586587188336,"channel":0,"num_words":52,"start":542.565,"end":567.85504},{"sentences":[{"text":"Yep.","start":567.805,"end":568.305,"sentiment":"neutral","sentiment_score":0.08329321444034576}],"sentiment":"neutral","sentiment_score":0.08329321444034576,"channel":1,"num_words":1,"start":567.805,"end":568.305},{"sentences":[{"text":"is the first thing that I would do before you even entertain jumping onto the APO.","start":567.85504,"end":572.195,"sentiment":"neutral","sentiment_score":-0.0068055655574426055}],"sentiment":"neutral","sentiment_score":-0.0068055655574426055,"channel":0,"num_words":16,"start":567.85504,"end":572.195},{"sentences":[{"text":"Okay.","start":572.91,"end":573.41,"sentiment":"neutral","sentiment_score":0.08504185825586319}],"sentiment":"neutral","sentiment_score":0.08504185825586319,"channel":1,"num_words":1,"start":572.91,"end":573.41},{"sentences":[{"text":"From there, I would then once you get that, you can then jump onto the APO website and go through the financial hardship clause.","start":573.01,"end":582.39,"sentiment":"neutral","sentiment_score":0.05897547102843722},{"text":"They will ask the supporting evidence.","start":582.69,"end":584.55,"sentiment":"neutral","sentiment_score":0.0031675081700086594},{"text":"That supporting evidence will be unpaid bills, bank statements from her showing no comp no money coming in type of thing.","start":584.91504,"end":593.335,"sentiment":"neutral","sentiment_score":-0.1341401476945196},{"text":"They will","start":593.47504,"end":594.03503,"sentiment":"neutral","sentiment_score":-0.024179607629776}],"sentiment":"neutral","sentiment_score":-0.026997848361168267,"channel":0,"num_words":53,"start":573.01,"end":594.03503},{"sentences":[{"text":"Yep.","start":593.965,"end":594.465,"sentiment":"neutral","sentiment_score":-0.01464188750833273}],"sentiment":"neutral","sentiment_score":-0.01464188750833273,"channel":1,"num_words":1,"start":593.965,"end":594.465},{"sentences":[{"text":"ask for and when I say unpaid bills, you like, you need to show unpaid bills.","start":594.03503,"end":599.895,"sentiment":"neutral","sentiment_score":-0.18305214028805494},{"text":"If if there's invoices for, like like, you know, for example, kids at school or dentist bills or, you know, anything that you guys are needing to do in the near future, and you can go like, receipts of not receipts, but bills for or invoices for, include those.","start":600.94995,"end":619.775,"sentiment":"neutral","sentiment_score":-0.04731555765836823},{"text":"The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim.","start":621.195,"end":631.02997,"sentiment":"neutral","sentiment_score":-0.3070890922099352}],"sentiment":"neutral","sentiment_score":-0.16696057388825075,"channel":0,"num_words":105,"start":594.03503,"end":631.02997},{"sentences":[{"text":"Yeah.","start":631.9,"end":632.14,"sentiment":"neutral","sentiment_score":-0.0533626414835453},{"text":"Yeah.","start":632.14,"end":632.3,"sentiment":"neutral","sentiment_score":-0.05623849853873253},{"text":"I already have.","start":632.3,"end":633.12,"sentiment":"neutral","sentiment_score":-0.07698636005322139}],"sentiment":"neutral","sentiment_score":-0.0681120440363884,"channel":1,"num_words":5,"start":631.9,"end":633.12},{"sentences":[{"text":"We're we're we're we're caught we're we're caught up.","start":633.00995,"end":635.19,"sentiment":"neutral","sentiment_score":-0.13473557266924116},{"text":"Yeah.","start":637.00995,"end":637.50995,"sentiment":"neutral","sentiment_score":0.01077486388385296}],"sentiment":"neutral","sentiment_score":-0.12018452901393176,"channel":0,"num_words":10,"start":633.00995,"end":637.50995},{"sentences":[{"text":"Yep.","start":637.26,"end":637.76,"sentiment":"neutral","sentiment_score":0.015566058456897736},{"text":"Went","start":639.34,"end":639.66003,"sentiment":"neutral","sentiment_score":-0.005079786293208599}],"sentiment":"neutral","sentiment_score":0.005243136081844568,"channel":1,"num_words":2,"start":637.26,"end":639.66003},{"sentences":[{"text":"Yeah.","start":639.555,"end":639.795,"sentiment":"neutral","sentiment_score":0.005703719332814217}],"sentiment":"neutral","sentiment_score":0.005703719332814217,"channel":0,"num_words":1,"start":639.555,"end":639.795},{"sentences":[{"text":"to","start":639.66003,"end":639.82,"sentiment":"neutral","sentiment_score":0.004533436149358749}],"sentiment":"neutral","sentiment_score":0.004533436149358749,"channel":1,"num_words":1,"start":639.66003,"end":639.82},{"sentences":[{"text":"That's","start":639.795,"end":640.035,"sentiment":"neutral","sentiment_score":-0.006894047372043133}],"sentiment":"neutral","sentiment_score":-0.006894047372043133,"channel":0,"num_words":1,"start":639.795,"end":640.035},{"sentences":[{"text":"the","start":639.82,"end":640.32,"sentiment":"neutral","sentiment_score":-0.01719711348414421}],"sentiment":"neutral","sentiment_score":-0.01719711348414421,"channel":1,"num_words":1,"start":639.82,"end":640.32},{"sentences":[{"text":"the only thing.","start":640.035,"end":640.855,"sentiment":"neutral","sentiment_score":-0.007233899086713791}],"sentiment":"neutral","sentiment_score":-0.007233899086713791,"channel":0,"num_words":3,"start":640.035,"end":640.855},{"sentences":[{"text":"the Bank of Dad.","start":640.7,"end":641.68,"sentiment":"neutral","sentiment_score":0.032157739624381065}],"sentiment":"neutral","sentiment_score":0.032157739624381065,"channel":1,"num_words":4,"start":640.7,"end":641.68},{"sentences":[{"text":"We do.","start":641.395,"end":642.135,"sentiment":"neutral","sentiment_score":0.11198266968131065},{"text":"That's my favorite bank.","start":643.635,"end":644.755,"sentiment":"neutral","sentiment_score":0.156601183116436},{"text":"I don't have one","start":644.755,"end":645.395,"sentiment":"neutral","sentiment_score":-0.002081618178635835}],"sentiment":"neutral","sentiment_score":0.0842043599113822,"channel":0,"num_words":10,"start":641.395,"end":645.395},{"sentences":[{"text":"I","start":645.315,"end":645.47504,"sentiment":"neutral","sentiment_score":-0.04083028435707092}],"sentiment":"neutral","sentiment_score":-0.04083028435707092,"channel":1,"num_words":1,"start":645.315,"end":645.47504},{"sentences":[{"text":"of those,","start":645.395,"end":645.715,"sentiment":"neutral","sentiment_score":-0.013567650690674782}],"sentiment":"neutral","sentiment_score":-0.013567650690674782,"channel":0,"num_words":2,"start":645.395,"end":645.715},{"sentences":[{"text":"know.","start":645.47504,"end":645.97504,"sentiment":"neutral","sentiment_score":-0.02979510836303234}],"sentiment":"neutral","sentiment_score":-0.02979510836303234,"channel":1,"num_words":1,"start":645.47504,"end":645.97504},{"sentences":[{"text":"but I I get the concept.","start":645.715,"end":647.255,"sentiment":"neutral","sentiment_score":0.03035678279896577}],"sentiment":"neutral","sentiment_score":0.03035678279896577,"channel":0,"num_words":6,"start":645.715,"end":647.255},{"sentences":[{"text":"Yes.","start":648.435,"end":648.935,"sentiment":"neutral","sentiment_score":0.005172282457351685},{"text":"Trying to throw a lot of it too much, but, yeah, it just made us a withdrawal a little","start":649.23505,"end":652.91504,"sentiment":"neutral","sentiment_score":-0.14444009645989067}],"sentiment":"neutral","sentiment_score":-0.13695947751402854,"channel":1,"num_words":20,"start":648.435,"end":652.91504},{"sentences":[{"text":"Well","start":652.755,"end":653.235,"sentiment":"neutral","sentiment_score":-0.04648538678884506}],"sentiment":"neutral","sentiment_score":-0.04648538678884506,"channel":0,"num_words":1,"start":652.755,"end":653.235},{"sentences":[{"text":"bit.","start":652.91504,"end":653.41504,"sentiment":"neutral","sentiment_score":-0.044306933879852295}],"sentiment":"neutral","sentiment_score":-0.044306933879852295,"channel":1,"num_words":1,"start":652.91504,"end":653.41504},{"sentences":[{"text":"so under that, would dad be willing to go to a JP, like a justice of the peace, and","start":654.24,"end":663.92,"sentiment":"neutral","sentiment_score":0.02238131043697266}],"sentiment":"neutral","sentiment_score":0.02238131043697266,"channel":0,"num_words":19,"start":654.24,"end":663.92},{"sentences":[{"text":"Yep.","start":663.85,"end":664.35,"sentiment":"neutral","sentiment_score":0.04009513929486275}],"sentiment":"neutral","sentiment_score":0.04009513929486275,"channel":1,"num_words":1,"start":663.85,"end":664.35},{"sentences":[{"text":"sign a statutory declaration state stating that he loaned x amount of money to you guys with the caveat that had to be repaid by Xdate showing a","start":663.92,"end":674.925,"sentiment":"neutral","sentiment_score":-0.03916180223625686}],"sentiment":"neutral","sentiment_score":-0.03916180223625686,"channel":0,"num_words":28,"start":663.92,"end":674.925},{"sentences":[{"text":"Yeah.","start":674.83496,"end":675.15497,"sentiment":"neutral","sentiment_score":-0.03227442130446434}],"sentiment":"neutral","sentiment_score":-0.03227442130446434,"channel":1,"num_words":1,"start":674.83496,"end":675.15497},{"sentences":[{"text":"debt,","start":674.925,"end":675.405,"sentiment":"neutral","sentiment_score":-0.04294377565383911}],"sentiment":"neutral","sentiment_score":-0.04294377565383911,"channel":0,"num_words":1,"start":674.925,"end":675.405},{"sentences":[{"text":"Absolutely.","start":675.15497,"end":675.65497,"sentiment":"neutral","sentiment_score":0.011382941156625748}],"sentiment":"neutral","sentiment_score":0.011382941156625748,"channel":1,"num_words":1,"start":675.15497,"end":675.65497},{"sentences":[{"text":"and he and,","start":675.405,"end":676.205,"sentiment":"neutral","sentiment_score":-0.008070187643170357}],"sentiment":"neutral","sentiment_score":-0.008070187643170357,"channel":0,"num_words":3,"start":675.405,"end":676.205},{"sentences":[{"text":"Yep.","start":676.115,"end":676.615,"sentiment":"neutral","sentiment_score":-0.013345470651984217}],"sentiment":"neutral","sentiment_score":-0.013345470651984217,"channel":1,"num_words":1,"start":676.115,"end":676.615},{"sentences":[{"text":"like, you could you could write like, your partner could write a a stat deck being like, this happened.","start":676.205,"end":682.57996,"sentiment":"neutral","sentiment_score":-0.029396415541046543},{"text":"Like, you know, Christopher lost job.","start":682.57996,"end":685.24,"sentiment":"neutral","sentiment_score":-0.15799610068400702},{"text":"We had all of these bills that were unpaid.","start":685.24,"end":687.18,"sentiment":"neutral","sentiment_score":-0.22031056549814013},{"text":"We were gonna default on, lose whatever.","start":687.56,"end":689.89996,"sentiment":"neutral","sentiment_score":-0.23076765452112472},{"text":"Tell the story.","start":690.19995,"end":691.1,"sentiment":"neutral","sentiment_score":-0.08114957064390182}],"sentiment":"neutral","sentiment_score":-0.12154831551015377,"channel":0,"num_words":44,"start":676.205,"end":691.1},{"sentences":[{"text":"Don't","start":691.24,"end":691.56,"sentiment":"neutral","sentiment_score":-0.09125745296478271}],"sentiment":"neutral","sentiment_score":-0.09125745296478271,"channel":0,"num_words":1,"start":691.24,"end":691.56},{"sentences":[{"text":"Yeah.","start":691.41,"end":691.73,"sentiment":"neutral","sentiment_score":-0.11643500626087187}],"sentiment":"neutral","sentiment_score":-0.11643500626087187,"channel":1,"num_words":1,"start":691.41,"end":691.73},{"sentences":[{"text":"lie.","start":691.56,"end":692.06,"sentiment":"neutral","sentiment_score":-0.12012803554534912}],"sentiment":"neutral","sentiment_score":-0.12012803554534912,"channel":0,"num_words":1,"start":691.56,"end":692.06},{"sentences":[{"text":"Yeah.","start":691.73,"end":692.23,"sentiment":"neutral","sentiment_score":-0.037392135709524155}],"sentiment":"neutral","sentiment_score":-0.037392135709524155,"channel":1,"num_words":1,"start":691.73,"end":692.23},{"sentences":[{"text":"Tell the story.","start":692.68,"end":693.57996,"sentiment":"neutral","sentiment_score":-0.029518660778800648}],"sentiment":"neutral","sentiment_score":-0.029518660778800648,"channel":0,"num_words":3,"start":692.68,"end":693.57996},{"sentences":[{"text":"Well, I","start":693.09,"end":693.57,"sentiment":"neutral","sentiment_score":0.025844787247478962}],"sentiment":"neutral","sentiment_score":0.025844787247478962,"channel":1,"num_words":2,"start":693.09,"end":693.57},{"sentences":[{"text":"Sign off under a stat deck, and then go to dad and be like, dad loaned us this money.","start":693.63995,"end":698.385,"sentiment":"neutral","sentiment_score":0.018138528360348},{"text":"Then dad has the intention of paying it.","start":698.685,"end":700.625,"sentiment":"neutral","sentiment_score":-0.04914656630717218},{"text":"Blah blah blah.","start":700.84503,"end":701.565,"sentiment":"neutral","sentiment_score":-0.13024347772200903},{"text":"Dad has to","start":701.565,"end":702.125,"sentiment":"neutral","sentiment_score":0.008578959852457047}],"sentiment":"neutral","sentiment_score":-0.01253133470361883,"channel":0,"num_words":33,"start":693.63995,"end":702.125},{"sentences":[{"text":"Yep.","start":702.07495,"end":702.57495,"sentiment":"neutral","sentiment_score":0.004961769096553326}],"sentiment":"neutral","sentiment_score":0.004961769096553326,"channel":1,"num_words":1,"start":702.07495,"end":702.57495},{"sentences":[{"text":"do that one, obviously.","start":702.125,"end":703.10504,"sentiment":"neutral","sentiment_score":0.012013602070510387}],"sentiment":"neutral","sentiment_score":0.012013602070510387,"channel":0,"num_words":4,"start":702.125,"end":703.10504},{"sentences":[{"text":"Yep.","start":703.595,"end":704.095,"sentiment":"neutral","sentiment_score":0.06645020842552185}],"sentiment":"neutral","sentiment_score":0.06645020842552185,"channel":1,"num_words":1,"start":703.595,"end":704.095},{"sentences":[{"text":"Because because a loan from a from a a friend or family member still counts under the ATO","start":704.04504,"end":711.24,"sentiment":"neutral","sentiment_score":0.12303193017012543}],"sentiment":"neutral","sentiment_score":0.12303193017012543,"channel":0,"num_words":18,"start":704.04504,"end":711.24},{"sentences":[{"text":"Cool.","start":713.42,"end":713.92,"sentiment":"neutral","sentiment_score":0.16449379920959473},{"text":"That's fantastic.","start":714.38,"end":715.14,"sentiment":"positive","sentiment_score":0.6617538928985596},{"text":"That's yeah.","start":715.14,"end":716.72,"sentiment":"neutral","sentiment_score":0.2854781299829483}],"sentiment":"positive","sentiment_score":0.4117915689945221,"channel":1,"num_words":5,"start":713.42,"end":716.72},{"sentences":[{"text":"claim.","start":716.34,"end":716.42,"sentiment":"neutral","sentiment_score":0.09290646761655807},{"text":"Yeah.","start":716.42,"end":716.92,"sentiment":"neutral","sentiment_score":0.013776985928416252},{"text":"But that's that's kind of the","start":718.5,"end":721.3,"sentiment":"neutral","sentiment_score":-0.08130264654755592}],"sentiment":"neutral","sentiment_score":-0.04764155321754515,"channel":0,"num_words":8,"start":716.34,"end":721.3},{"sentences":[{"text":"So","start":721.26,"end":721.5,"sentiment":"neutral","sentiment_score":0.013274401426315308}],"sentiment":"neutral","sentiment_score":0.013274401426315308,"channel":1,"num_words":1,"start":721.26,"end":721.5},{"sentences":[{"text":"way you","start":721.3,"end":721.54,"sentiment":"neutral","sentiment_score":0.05286461114883423}],"sentiment":"neutral","sentiment_score":0.05286461114883423,"channel":0,"num_words":2,"start":721.3,"end":721.54},{"sentences":[{"text":"we","start":721.5,"end":721.66,"sentiment":"neutral","sentiment_score":0.06051775813102722}],"sentiment":"neutral","sentiment_score":0.06051775813102722,"channel":1,"num_words":1,"start":721.5,"end":721.66},{"sentences":[{"text":"could","start":721.54,"end":721.7,"sentiment":"neutral","sentiment_score":0.08923915773630142}],"sentiment":"neutral","sentiment_score":0.08923915773630142,"channel":0,"num_words":1,"start":721.54,"end":721.7},{"sentences":[{"text":"still","start":721.66,"end":721.89996,"sentiment":"neutral","sentiment_score":0.14213845133781433}],"sentiment":"neutral","sentiment_score":0.14213845133781433,"channel":1,"num_words":1,"start":721.66,"end":721.89996},{"sentences":[{"text":"do it.","start":721.7,"end":722.18,"sentiment":"neutral","sentiment_score":0.10785291716456413}],"sentiment":"neutral","sentiment_score":0.10785291716456413,"channel":0,"num_words":2,"start":721.7,"end":722.18},{"sentences":[{"text":"need that","start":721.89996,"end":722.22,"sentiment":"neutral","sentiment_score":-0.005030370317399502}],"sentiment":"neutral","sentiment_score":-0.005030370317399502,"channel":1,"num_words":2,"start":721.89996,"end":722.22},{"sentences":[{"text":"The","start":722.18,"end":722.34,"sentiment":"neutral","sentiment_score":-0.021006405353546143}],"sentiment":"neutral","sentiment_score":-0.021006405353546143,"channel":0,"num_words":1,"start":722.18,"end":722.34},{"sentences":[{"text":"q","start":722.22,"end":722.54,"sentiment":"neutral","sentiment_score":-0.013928305357694626}],"sentiment":"neutral","sentiment_score":-0.013928305357694626,"channel":1,"num_words":1,"start":722.22,"end":722.54},{"sentences":[{"text":"only","start":722.34,"end":722.775,"sentiment":"neutral","sentiment_score":-0.019978420808911324}],"sentiment":"neutral","sentiment_score":-0.019978420808911324,"channel":0,"num_words":1,"start":722.34,"end":722.775},{"sentences":[{"text":"two form?","start":722.54,"end":723.2,"sentiment":"neutral","sentiment_score":-0.013468151446431873}],"sentiment":"neutral","sentiment_score":-0.013468151446431873,"channel":1,"num_words":2,"start":722.54,"end":723.2},{"sentences":[{"text":"yeah.","start":724.135,"end":724.455,"sentiment":"neutral","sentiment_score":-0.004368712194263935},{"text":"You still need the q two thirty.","start":724.455,"end":725.835,"sentiment":"neutral","sentiment_score":-0.012443343443529946}],"sentiment":"neutral","sentiment_score":-0.011434014537371695,"channel":0,"num_words":8,"start":724.135,"end":725.835},{"sentences":[{"text":"Okay.","start":726.665,"end":727.165,"sentiment":"neutral","sentiment_score":0.03203041851520538}],"sentiment":"neutral","sentiment_score":0.03203041851520538,"channel":1,"num_words":1,"start":726.665,"end":727.165},{"sentences":[{"text":"Because you're you're going it's the q 230 is it's not a form.","start":727.575,"end":731.17505,"sentiment":"neutral","sentiment_score":-0.02861987713437814},{"text":"It's it's it's basically a document of approval that you meet Centrelink requirements.","start":731.17505,"end":736.47504,"sentiment":"neutral","sentiment_score":0.02440852394927508},{"text":"It has a really long stupid name, but it's it's in the industry, it's known as a q two thirty.","start":739.66,"end":744.39996,"sentiment":"neutral","sentiment_score":-0.10506797637790441},{"text":"If you call Centrelink and say, hey.","start":744.54,"end":746.13995,"sentiment":"neutral","sentiment_score":-0.05764594833765711},{"text":"We're we're looking for a q two thirty, any of the the administration team are gonna know what you're talking about.","start":746.13995,"end":753.075,"sentiment":"neutral","sentiment_score":-0.12696882106718563}],"sentiment":"neutral","sentiment_score":-0.07062127026674224,"channel":0,"num_words":74,"start":727.575,"end":753.075},{"sentences":[{"text":"If they don't, they're probably new, and it's just I'm looking to claim financial hardship.","start":753.555,"end":757.235,"sentiment":"negative","sentiment_score":-0.3421707143386205},{"text":"Can you provide confirmation that I am that I do get correct correct support payments?","start":757.235,"end":766.695,"sentiment":"neutral","sentiment_score":0.10418643802404404}],"sentiment":"neutral","sentiment_score":-0.11899213815728824,"channel":0,"num_words":30,"start":753.555,"end":766.695},{"sentences":[{"text":"Yes.","start":768.305,"end":768.805,"sentiment":"neutral","sentiment_score":0.16176822781562805}],"sentiment":"neutral","sentiment_score":0.16176822781562805,"channel":1,"num_words":1,"start":768.305,"end":768.805},{"sentences":[{"text":"I'm just I'm just trying to look up whether the payments that she's on are approved payments because, basically,","start":773.04,"end":781.22,"sentiment":"neutral","sentiment_score":0.0641126198400008}],"sentiment":"neutral","sentiment_score":0.0641126198400008,"channel":0,"num_words":19,"start":773.04,"end":781.22},{"sentences":[{"text":"Well, say if we got the family tax a and b as well, would that help?","start":789.015,"end":792.29504,"sentiment":"neutral","sentiment_score":0.08497751876711845},{"text":"Or because I think we got","start":792.29504,"end":797.67,"sentiment":"neutral","sentiment_score":0.010544400662183762}],"sentiment":"neutral","sentiment_score":0.06467757746577263,"channel":1,"num_words":22,"start":789.015,"end":797.67},{"sentences":[{"text":"I'm","start":797.49,"end":797.99,"sentiment":"neutral","sentiment_score":-0.006433318369090557}],"sentiment":"neutral","sentiment_score":-0.006433318369090557,"channel":0,"num_words":1,"start":797.49,"end":797.99},{"sentences":[{"text":"a decision next week whether it's approved or not.","start":797.67,"end":800.32996,"sentiment":"neutral","sentiment_score":-0.010958603997197416}],"sentiment":"neutral","sentiment_score":-0.010958603997197416,"channel":1,"num_words":9,"start":797.67,"end":800.32996},{"sentences":[{"text":"cool.","start":801.41,"end":801.91,"sentiment":"neutral","sentiment_score":0.08725246042013168},{"text":"Family tax a and b don't.","start":805.65,"end":807.41,"sentiment":"neutral","sentiment_score":-0.13019770880540213},{"text":"Carers allowance doesn't.","start":807.41,"end":809.02997,"sentiment":"neutral","sentiment_score":-0.1321636438369751},{"text":"It's the carers payment that does because it is an income support payment.","start":809.535,"end":813.795,"sentiment":"neutral","sentiment_score":-0.02609257256755462}],"sentiment":"neutral","sentiment_score":-0.06215774640440941,"channel":0,"num_words":23,"start":801.41,"end":813.795},{"sentences":[{"text":"Right.","start":815.035,"end":815.535,"sentiment":"neutral","sentiment_score":0.013624366372823715}],"sentiment":"neutral","sentiment_score":0.013624366372823715,"channel":1,"num_words":1,"start":815.035,"end":815.535},{"sentences":[{"text":"So it's gonna come down to whether she gets the carers payment or not.","start":816.415,"end":821.39496,"sentiment":"neutral","sentiment_score":-0.055057676608807275},{"text":"Who","start":821.83,"end":821.91,"sentiment":"neutral","sentiment_score":-0.0742301344871521}],"sentiment":"neutral","sentiment_score":-0.0563358404673636,"channel":0,"num_words":15,"start":816.415,"end":821.91},{"sentences":[{"text":"Oh, hang","start":821.98004,"end":822.46,"sentiment":"neutral","sentiment_score":-0.07516518980264664}],"sentiment":"neutral","sentiment_score":-0.07516518980264664,"channel":1,"num_words":2,"start":821.98004,"end":822.46},{"sentences":[{"text":"can I ask","start":822.14996,"end":822.63,"sentiment":"neutral","sentiment_score":-0.06536094844341278}],"sentiment":"neutral","sentiment_score":-0.06536094844341278,"channel":0,"num_words":3,"start":822.14996,"end":822.63},{"sentences":[{"text":"on.","start":822.46,"end":822.96,"sentiment":"neutral","sentiment_score":-0.05574915185570717}],"sentiment":"neutral","sentiment_score":-0.05574915185570717,"channel":1,"num_words":1,"start":822.46,"end":822.96},{"sentences":[{"text":"who she cares","start":822.63,"end":823.51,"sentiment":"neutral","sentiment_score":-0.05589137226343155}],"sentiment":"neutral","sentiment_score":-0.05589137226343155,"channel":0,"num_words":3,"start":822.63,"end":823.51},{"sentences":[{"text":"Got","start":823.5,"end":823.74,"sentiment":"neutral","sentiment_score":-0.03845607489347458}],"sentiment":"neutral","sentiment_score":-0.03845607489347458,"channel":1,"num_words":1,"start":823.5,"end":823.74},{"sentences":[{"text":"for?","start":823.51,"end":824.01,"sentiment":"neutral","sentiment_score":-0.033673711121082306}],"sentiment":"neutral","sentiment_score":-0.033673711121082306,"channel":0,"num_words":1,"start":823.51,"end":824.01},{"sentences":[{"text":"it on.","start":823.74,"end":824.4,"sentiment":"neutral","sentiment_score":-0.012180696707218885},{"text":"Elle Eldis has ASD.","start":825.66003,"end":829.04004,"sentiment":"neutral","sentiment_score":-0.04190291743725538}],"sentiment":"neutral","sentiment_score":-0.03199551052724322,"channel":1,"num_words":6,"start":823.74,"end":829.04004},{"sentences":[{"text":"Yep.","start":830.47,"end":830.97,"sentiment":"neutral","sentiment_score":0.03542337566614151}],"sentiment":"neutral","sentiment_score":0.03542337566614151,"channel":0,"num_words":1,"start":830.47,"end":830.97},{"sentences":[{"text":"So, yeah, she was she actually got","start":831.58,"end":835.11505,"sentiment":"neutral","sentiment_score":0.02195573704583304}],"sentiment":"neutral","sentiment_score":0.02195573704583304,"channel":1,"num_words":7,"start":831.58,"end":835.11505},{"sentences":[{"text":"Yep.","start":834.975,"end":835.475,"sentiment":"neutral","sentiment_score":0.02097255736589432}],"sentiment":"neutral","sentiment_score":0.02097255736589432,"channel":0,"num_words":1,"start":834.975,"end":835.475},{"sentences":[{"text":"our NDIS","start":835.895,"end":837.11505,"sentiment":"neutral","sentiment_score":-0.0026914607733488083}],"sentiment":"neutral","sentiment_score":-0.0026914607733488083,"channel":1,"num_words":2,"start":835.895,"end":837.11505},{"sentences":[{"text":"Yeah.","start":838.91626,"end":839.41626,"sentiment":"neutral","sentiment_score":-0.006973350420594215}],"sentiment":"neutral","sentiment_score":-0.006973350420594215,"channel":0,"num_words":1,"start":838.91626,"end":839.41626},{"sentences":[{"text":"what do you call them?","start":839.575,"end":840.29504,"sentiment":"neutral","sentiment_score":-0.041687021404504775},{"text":"Like, account manager or whatever it is.","start":840.29504,"end":841.97504,"sentiment":"neutral","sentiment_score":-0.016255939113242284},{"text":"They actually","start":841.97504,"end":843.255,"sentiment":"neutral","sentiment_score":0.024758748710155487}],"sentiment":"neutral","sentiment_score":-0.019479227385350635,"channel":1,"num_words":14,"start":839.575,"end":843.255},{"sentences":[{"text":"Yeah.","start":842.8575,"end":843.3575,"sentiment":"neutral","sentiment_score":0.03611581772565842}],"sentiment":"neutral","sentiment_score":0.03611581772565842,"channel":0,"num_words":1,"start":842.8575,"end":843.3575},{"sentences":[{"text":"advised her to gonna get her because she was eligible.","start":843.255,"end":845.91504,"sentiment":"neutral","sentiment_score":0.016065734997391702}],"sentiment":"neutral","sentiment_score":0.016065734997391702,"channel":1,"num_words":10,"start":843.255,"end":845.91504},{"sentences":[{"text":"Yep.","start":846.7987,"end":847.2987,"sentiment":"neutral","sentiment_score":0.11803166568279266}],"sentiment":"neutral","sentiment_score":0.11803166568279266,"channel":0,"num_words":1,"start":846.7987,"end":847.2987},{"sentences":[{"text":"I do have a doc saved statement.","start":851.12,"end":856.5,"sentiment":"neutral","sentiment_score":0.06490039612565722},{"text":"No.","start":857.28,"end":857.68,"sentiment":"neutral","sentiment_score":-0.15907421708106995},{"text":"Not that one.","start":857.68,"end":858.58,"sentiment":"neutral","sentiment_score":-0.1981839338938395},{"text":"Here we go.","start":861.165,"end":861.985,"sentiment":"neutral","sentiment_score":-0.026109992216030758},{"text":"Carriage allowance, $16,264.09.","start":862.205,"end":866.545,"sentiment":"neutral","sentiment_score":-0.0058936066925525665}],"sentiment":"neutral","sentiment_score":-0.023254943682866937,"channel":1,"num_words":17,"start":851.12,"end":866.545},{"sentences":[{"text":"Okay.","start":870.135,"end":870.375,"sentiment":"neutral","sentiment_score":0.036879975348711014},{"text":"So that's the care's allowance.","start":870.375,"end":871.995,"sentiment":"neutral","sentiment_score":0.02997824624180794}],"sentiment":"neutral","sentiment_score":0.031128534426291782,"channel":0,"num_words":6,"start":870.135,"end":871.995},{"sentences":[{"text":"Yeah.","start":872.765,"end":873.265,"sentiment":"neutral","sentiment_score":0.05724295973777771}],"sentiment":"neutral","sentiment_score":0.05724295973777771,"channel":1,"num_words":1,"start":872.765,"end":873.265},{"sentences":[{"text":"Look.","start":876.215,"end":876.455,"sentiment":"neutral","sentiment_score":-0.06012857332825661},{"text":"It's not looking good if that's the one she's on, because it's a payment that is the eligible component.","start":876.455,"end":887.91,"sentiment":"negative","sentiment_score":-0.39783653460050883},{"text":"However, carer's payments income tested and granted your income is yeah.","start":889.00995,"end":899.32495,"sentiment":"neutral","sentiment_score":-0.131260638887232},{"text":"Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff.","start":899.32495,"end":914.26,"sentiment":"neutral","sentiment_score":-0.24945262934152895},{"text":"So, yeah, you would you yeah.","start":914.32,"end":916.56,"sentiment":"neutral","sentiment_score":-0.225175179541111}],"sentiment":"neutral","sentiment_score":-0.26824935235910946,"channel":0,"num_words":63,"start":876.215,"end":916.56},{"sentences":[{"text":"She wouldn't be eligible for that.","start":916.56,"end":918.02,"sentiment":"neutral","sentiment_score":-0.28884075085322064},{"text":"Yeah.","start":919.2,"end":919.68,"sentiment":"neutral","sentiment_score":-0.01061517745256424},{"text":"Okay.","start":919.68,"end":920.18,"sentiment":"neutral","sentiment_score":0.004448817111551762},{"text":"So we're back down to our other avenues.","start":920.24,"end":925.915,"sentiment":"neutral","sentiment_score":0.017630163114517927}],"sentiment":"neutral","sentiment_score":-0.09988559753401205,"channel":0,"num_words":16,"start":916.56,"end":925.915},{"sentences":[{"text":"Are there any other satellite payments that would be eligible?","start":930.16,"end":934.01996,"sentiment":"neutral","sentiment_score":0.026713698543608187}],"sentiment":"neutral","sentiment_score":0.026713698543608187,"channel":1,"num_words":10,"start":930.16,"end":934.01996},{"sentences":[{"text":"Family tax, carers payment, job seeker, disability support pension, parenting payments.","start":936.22003,"end":942.48004,"sentiment":"neutral","sentiment_score":0.0070830531926317645},{"text":"Are we planning on having more kids?","start":945.26,"end":947.12006,"sentiment":"neutral","sentiment_score":0.0016250120741980417}],"sentiment":"neutral","sentiment_score":0.004960481646574206,"channel":0,"num_words":18,"start":936.22003,"end":947.12006},{"sentences":[{"text":"No.","start":948.495,"end":948.975,"sentiment":"neutral","sentiment_score":-0.06599757075309753},{"text":"That was enough.","start":948.975,"end":949.795,"sentiment":"neutral","sentiment_score":-0.046157157669464745}],"sentiment":"neutral","sentiment_score":-0.051117260940372944,"channel":1,"num_words":4,"start":948.495,"end":949.795},{"sentences":[{"text":"Oh, you want one more with me?","start":952.055,"end":953.415,"sentiment":"neutral","sentiment_score":0.01731696112879685},{"text":"Three feet of the back seat.","start":953.415,"end":954.295,"sentiment":"neutral","sentiment_score":0.04624423881371816},{"text":"It was that was good enough.","start":954.295,"end":955.755,"sentiment":"neutral","sentiment_score":0.1552099883556366},{"text":"Okay.","start":956.935,"end":957.435,"sentiment":"neutral","sentiment_score":0.022625621408224102},{"text":"How old's the youngest?","start":957.815,"end":959.115,"sentiment":"neutral","sentiment_score":0.008163852151483297}],"sentiment":"neutral","sentiment_score":0.05771771337216099,"channel":0,"num_words":24,"start":952.055,"end":959.115},{"sentences":[{"text":"She's five months.","start":960.56,"end":961.54,"sentiment":"neutral","sentiment_score":0.02031657223900159}],"sentiment":"neutral","sentiment_score":0.02031657223900159,"channel":1,"num_words":3,"start":960.56,"end":961.54},{"sentences":[{"text":"Oh, cute.","start":962.85,"end":963.64996,"sentiment":"positive","sentiment_score":0.38904666900634766},{"text":"Good.","start":963.64996,"end":964.14996,"sentiment":"positive","sentiment_score":0.4321511387825012}],"sentiment":"positive","sentiment_score":0.40341482559839886,"channel":0,"num_words":3,"start":962.85,"end":964.14996},{"sentences":[{"text":"Thank you.","start":965.04,"end":965.77997,"sentiment":"positive","sentiment_score":0.5610504448413849},{"text":"She's very cute,","start":966.63995,"end":967.425,"sentiment":"positive","sentiment_score":0.4452558954556783}],"sentiment":"positive","sentiment_score":0.49157371520996096,"channel":1,"num_words":5,"start":965.04,"end":967.425},{"sentences":[{"text":"They are, aren't they?","start":969.57,"end":970.45,"sentiment":"neutral","sentiment_score":0.07098350441083312},{"text":"We're sleeping through yet?","start":970.45,"end":971.67,"sentiment":"neutral","sentiment_score":0.0047438235487788916}],"sentiment":"neutral","sentiment_score":0.037863663979806006,"channel":0,"num_words":8,"start":969.57,"end":971.67},{"sentences":[{"text":"actually.","start":973.425,"end":973.925,"sentiment":"neutral","sentiment_score":0.0011086724698543549},{"text":"What was that?","start":974.545,"end":975.105,"sentiment":"neutral","sentiment_score":-0.007914427357415358},{"text":"Sorry.","start":975.105,"end":975.605,"sentiment":"neutral","sentiment_score":-0.02414526417851448}],"sentiment":"neutral","sentiment_score":-0.00935597475618124,"channel":1,"num_words":5,"start":973.425,"end":975.605},{"sentences":[{"text":"Is your daughter sleeping through?","start":976.38495,"end":977.925,"sentiment":"neutral","sentiment_score":-0.015851386450231077}],"sentiment":"neutral","sentiment_score":-0.015851386450231077,"channel":0,"num_words":5,"start":976.38495,"end":977.925},{"sentences":[{"text":"No.","start":979.185,"end":979.65,"sentiment":"neutral","sentiment_score":-0.07170390337705612}],"sentiment":"neutral","sentiment_score":-0.07170390337705612,"channel":1,"num_words":1,"start":979.185,"end":979.65},{"sentences":[{"text":"Yeah.","start":981.425,"end":981.925,"sentiment":"neutral","sentiment_score":-0.026319310069084167}],"sentiment":"neutral","sentiment_score":-0.026319310069084167,"channel":0,"num_words":1,"start":981.425,"end":981.925},{"sentences":[{"text":"I shall sleep in our bed, actually, or in my arms, but, yeah, that's about it.","start":981.57,"end":986.55005,"sentiment":"neutral","sentiment_score":-0.0013511627039406449}],"sentiment":"neutral","sentiment_score":-0.0013511627039406449,"channel":1,"num_words":16,"start":981.57,"end":986.55005},{"sentences":[{"text":"Oh, she she just likes to snuggle.","start":986.225,"end":988.945,"sentiment":"positive","sentiment_score":0.4074420545782362},{"text":"That's fair.","start":988.945,"end":989.64,"sentiment":"neutral","sentiment_score":0.24023780971765518}],"sentiment":"positive","sentiment_score":0.3702855557203293,"channel":0,"num_words":9,"start":986.225,"end":989.64},{"sentences":[{"text":"Yeah.","start":990.21,"end":990.45,"sentiment":"neutral","sentiment_score":0.12944641709327698},{"text":"That's it.","start":990.45,"end":991.09,"sentiment":"neutral","sentiment_score":0.08976451680064201},{"text":"I mean, our bed is pretty comfy compared to a pretty stiff coat mattress.","start":991.09,"end":995.33496,"sentiment":"neutral","sentiment_score":0.23395098107201712}],"sentiment":"neutral","sentiment_score":0.21084054033545888,"channel":1,"num_words":17,"start":990.21,"end":995.33496},{"sentences":[{"text":"Absolutely.","start":999.4,"end":999.9,"sentiment":"neutral","sentiment_score":0.288051038980484},{"text":"Okay.","start":1001.24,"end":1001.74,"sentiment":"neutral","sentiment_score":0.13761159777641296}],"sentiment":"neutral","sentiment_score":0.2128313183784485,"channel":0,"num_words":2,"start":999.4,"end":1001.74},{"sentences":[{"text":"Can't","start":1001.955,"end":1002.27496,"sentiment":"neutral","sentiment_score":0.03479583561420441}],"sentiment":"neutral","sentiment_score":0.03479583561420441,"channel":1,"num_words":1,"start":1001.955,"end":1002.27496},{"sentences":[{"text":"So","start":1001.985,"end":1002.485,"sentiment":"neutral","sentiment_score":-0.03137288987636566}],"sentiment":"neutral","sentiment_score":-0.03137288987636566,"channel":0,"num_words":1,"start":1001.985,"end":1002.485},{"sentences":[{"text":"can't blame","start":1002.27496,"end":1003.015,"sentiment":"neutral","sentiment_score":-0.08311280235648155}],"sentiment":"neutral","sentiment_score":-0.08311280235648155,"channel":1,"num_words":2,"start":1002.27496,"end":1003.015},{"sentences":[{"text":"based on no.","start":1002.705,"end":1004.785,"sentiment":"neutral","sentiment_score":-0.06191268811623255},{"text":"You can't blame them at all.","start":1004.785,"end":1006.225,"sentiment":"neutral","sentiment_score":-0.04031830653548241},{"text":"Like, honestly, they're adorable.","start":1006.225,"end":1007.665,"sentiment":"positive","sentiment_score":0.4076172448694706},{"text":"My youngest is five.","start":1007.665,"end":1008.705,"sentiment":"neutral","sentiment_score":0.0026480574160814285},{"text":"I kinda miss the baby days.","start":1008.705,"end":1010.165,"sentiment":"neutral","sentiment_score":-0.1887147178252538}],"sentiment":"neutral","sentiment_score":0.0035271738534388337,"channel":0,"num_words":23,"start":1002.705,"end":1010.165},{"sentences":[{"text":"Anyway, I've just had a quick look, and realistically speaking, yeah.","start":1011.265,"end":1019.94,"sentiment":"neutral","sentiment_score":-0.07553453811190346},{"text":"Like, the the money is pretty much locked in.","start":1019.94,"end":1023.48,"sentiment":"neutral","sentiment_score":-0.16074760754903158},{"text":"She's not gonna get hardship because her the payments that she received are not eligible for the q 02/30.","start":1023.69995,"end":1030.345,"sentiment":"neutral","sentiment_score":-0.26168341464117956},{"text":"Look.","start":1030.485,"end":1030.725,"sentiment":"neutral","sentiment_score":-0.06512417644262314},{"text":"You can","start":1030.725,"end":1030.965,"sentiment":"neutral","sentiment_score":-0.07138052582740784}],"sentiment":"neutral","sentiment_score":-0.17755901174885885,"channel":0,"num_words":42,"start":1011.265,"end":1030.965},{"sentences":[{"text":"Yep.","start":1030.905,"end":1031.405,"sentiment":"neutral","sentiment_score":-0.08634000271558762}],"sentiment":"neutral","sentiment_score":-0.08634000271558762,"channel":1,"num_words":1,"start":1030.905,"end":1031.405},{"sentences":[{"text":"give it a shot in the dark.","start":1030.965,"end":1031.7649,"sentiment":"neutral","sentiment_score":-0.13770256723676408},{"text":"It's only a phone call to Centrelink, but if it's the carer's allowance that she's getting, it's not an income support payment, so it doesn't meet requirements.","start":1031.7649,"end":1039.385,"sentiment":"neutral","sentiment_score":-0.1525322461017856},{"text":"You earn too much for her to get parenting payment.","start":1041.9501,"end":1043.9501,"sentiment":"negative","sentiment_score":-0.3578810811042786},{"text":"You earn too much for her to get carers payments, which what is you will only get one of them.","start":1043.9501,"end":1049.55,"sentiment":"negative","sentiment_score":-0.3906275935471058},{"text":"You don't ever get both.","start":1049.55,"end":1050.85,"sentiment":"neutral","sentiment_score":-0.326514345407486}],"sentiment":"neutral","sentiment_score":-0.26240902933953464,"channel":0,"num_words":69,"start":1030.965,"end":1050.85},{"sentences":[{"text":"It's Stanley technical income support?","start":1051.655,"end":1053.5951,"sentiment":"neutral","sentiment_score":-0.03950773701071739}],"sentiment":"neutral","sentiment_score":-0.03950773701071739,"channel":1,"num_words":5,"start":1051.655,"end":1053.5951},{"sentences":[{"text":"No.","start":1054.67,"end":1055.0701,"sentiment":"neutral","sentiment_score":-0.2989746332168579},{"text":"It's not.","start":1055.0701,"end":1055.81,"sentiment":"neutral","sentiment_score":-0.2963479161262512},{"text":"It's not","start":1055.9149,"end":1056.235,"sentiment":"neutral","sentiment_score":-0.19134731590747833}],"sentiment":"neutral","sentiment_score":-0.2548730194568634,"channel":0,"num_words":5,"start":1054.67,"end":1056.235},{"sentences":[{"text":"Really?","start":1056.2151,"end":1056.7151,"sentiment":"neutral","sentiment_score":-0.10802556574344636}],"sentiment":"neutral","sentiment_score":-0.10802556574344636,"channel":1,"num_words":1,"start":1056.2151,"end":1056.7151},{"sentences":[{"text":"considered income support.","start":1056.235,"end":1057.515,"sentiment":"neutral","sentiment_score":-0.1642035742600759},{"text":"Yeah.","start":1057.515,"end":1057.9149,"sentiment":"neutral","sentiment_score":-0.0904971957206726},{"text":"Not under not under, like, the q two thirty.","start":1057.9149,"end":1060.495,"sentiment":"neutral","sentiment_score":-0.16272607611285317},{"text":"Yeah.","start":1061.595,"end":1061.995,"sentiment":"neutral","sentiment_score":-0.07378633320331573},{"text":"I know.","start":1061.995,"end":1062.5549,"sentiment":"neutral","sentiment_score":-0.11893036961555481}],"sentiment":"neutral","sentiment_score":-0.14745560474693775,"channel":0,"num_words":16,"start":1056.235,"end":1062.5549},{"sentences":[{"text":"Damn.","start":1062.295,"end":1062.795,"sentiment":"neutral","sentiment_score":-0.2984507083892822}],"sentiment":"neutral","sentiment_score":-0.2984507083892822,"channel":1,"num_words":1,"start":1062.295,"end":1062.795},{"sentences":[{"text":"It's a pay.","start":1062.5549,"end":1063.375,"sentiment":"neutral","sentiment_score":-0.2490388254324595}],"sentiment":"neutral","sentiment_score":-0.2490388254324595,"channel":0,"num_words":3,"start":1062.5549,"end":1063.375},{"sentences":[{"text":"I'm still gonna have a shot in the dark.","start":1064.775,"end":1066.48,"sentiment":"negative","sentiment_score":-0.43567850523524815},{"text":"Or I can if we actually get in front of a Centrelink person and just say, hey.","start":1066.48,"end":1071.54,"sentiment":"neutral","sentiment_score":-0.11589202284812927},{"text":"Look.","start":1071.6,"end":1071.92,"sentiment":"neutral","sentiment_score":-0.1544167697429657},{"text":"We owe my dad money,","start":1071.92,"end":1073.78,"sentiment":"neutral","sentiment_score":-0.2680800437927246}],"sentiment":"neutral","sentiment_score":-0.23081524763256311,"channel":1,"num_words":32,"start":1064.775,"end":1073.78},{"sentences":[{"text":"Yeah.","start":1074.05,"end":1074.55,"sentiment":"neutral","sentiment_score":-0.150672048330307}],"sentiment":"neutral","sentiment_score":-0.150672048330307,"channel":0,"num_words":1,"start":1074.05,"end":1074.55},{"sentences":[{"text":"and I'll get that that deck off him","start":1074.32,"end":1077.3,"sentiment":"neutral","sentiment_score":-0.24849682860076427}],"sentiment":"neutral","sentiment_score":-0.24849682860076427,"channel":1,"num_words":8,"start":1074.32,"end":1077.3},{"sentences":[{"text":"Yeah.","start":1078.13,"end":1078.63,"sentiment":"neutral","sentiment_score":-0.09004028141498566}],"sentiment":"neutral","sentiment_score":-0.09004028141498566,"channel":0,"num_words":1,"start":1078.13,"end":1078.63},{"sentences":[{"text":"And so, look, we have this held up.","start":1078.1449,"end":1081.205,"sentiment":"neutral","sentiment_score":-0.07873485563322902},{"text":"It'd be great to get it if we can fill out a q two thirty form and then have you do something with it.","start":1081.2649,"end":1088.965,"sentiment":"neutral","sentiment_score":0.2144965368012587}],"sentiment":"neutral","sentiment_score":0.1411886886926368,"channel":1,"num_words":32,"start":1078.1449,"end":1088.965},{"sentences":[{"text":"It's the the","start":1090.215,"end":1091.095,"sentiment":"neutral","sentiment_score":-0.030731381848454475}],"sentiment":"neutral","sentiment_score":-0.030731381848454475,"channel":0,"num_words":3,"start":1090.215,"end":1091.095},{"sentences":[{"text":"Yeah.","start":1090.88,"end":1091.38,"sentiment":"neutral","sentiment_score":-0.14976173639297485}],"sentiment":"neutral","sentiment_score":-0.14976173639297485,"channel":1,"num_words":1,"start":1090.88,"end":1091.38},{"sentences":[{"text":"frustrating part is, like like, when I say it's a q two thirty form, it's not a it's not a form.","start":1091.095,"end":1095.095,"sentiment":"negative","sentiment_score":-0.4684129116081056},{"text":"It's a q two thirty letter of approval, basically.","start":1095.095,"end":1097.755,"sentiment":"neutral","sentiment_score":-0.28694693909751046}],"sentiment":"negative","sentiment_score":-0.4139731198549271,"channel":0,"num_words":30,"start":1091.095,"end":1097.755},{"sentences":[{"text":"Oh, okay.","start":1097.7599,"end":1098.48,"sentiment":"neutral","sentiment_score":0.02663643006235361}],"sentiment":"neutral","sentiment_score":0.02663643006235361,"channel":1,"num_words":2,"start":1097.7599,"end":1098.48},{"sentences":[{"text":"The app","start":1098.135,"end":1098.375,"sentiment":"neutral","sentiment_score":0.04456453397870064}],"sentiment":"neutral","sentiment_score":0.04456453397870064,"channel":0,"num_words":2,"start":1098.135,"end":1098.375},{"sentences":[{"text":"Yep.","start":1098.48,"end":1098.98,"sentiment":"neutral","sentiment_score":0.0953243523836136}],"sentiment":"neutral","sentiment_score":0.0953243523836136,"channel":1,"num_words":1,"start":1098.48,"end":1098.98},{"sentences":[{"text":"the application for it is literally a phone call saying, hi.","start":1098.535,"end":1101.355,"sentiment":"neutral","sentiment_score":0.06584011221473868},{"text":"Do I meet the requirements for q two thirty?","start":1101.6799,"end":1104.5,"sentiment":"neutral","sentiment_score":-0.0248586092558172},{"text":"And","start":1105.04,"end":1105.28,"sentiment":"neutral","sentiment_score":-0.1153060421347618}],"sentiment":"neutral","sentiment_score":0.018343224234524228,"channel":0,"num_words":21,"start":1098.535,"end":1105.28},{"sentences":[{"text":"Okay.","start":1105.175,"end":1105.675,"sentiment":"neutral","sentiment_score":-0.0569290965795517}],"sentiment":"neutral","sentiment_score":-0.0569290965795517,"channel":1,"num_words":1,"start":1105.175,"end":1105.675},{"sentences":[{"text":"the requirements are twenty six weeks of ongoing continuous income support payments,","start":1105.28,"end":1111.22,"sentiment":"neutral","sentiment_score":-0.048239029943943024}],"sentiment":"neutral","sentiment_score":-0.048239029943943024,"channel":0,"num_words":12,"start":1105.28,"end":1111.22},{"sentences":[{"text":"Oh,","start":1112.375,"end":1112.875,"sentiment":"neutral","sentiment_score":-0.025494614616036415}],"sentiment":"neutral","sentiment_score":-0.025494614616036415,"channel":1,"num_words":1,"start":1112.375,"end":1112.875},{"sentences":[{"text":"which","start":1112.5599,"end":1113.0599,"sentiment":"neutral","sentiment_score":-0.035939596593379974}],"sentiment":"neutral","sentiment_score":-0.035939596593379974,"channel":0,"num_words":1,"start":1112.5599,"end":1113.0599},{"sentences":[{"text":"yep.","start":1113.175,"end":1113.675,"sentiment":"neutral","sentiment_score":-0.0275307334959507}],"sentiment":"neutral","sentiment_score":-0.0275307334959507,"channel":1,"num_words":1,"start":1113.175,"end":1113.675},{"sentences":[{"text":"if you if you get assessed and they back pay you, that that would basically cover your, like, your your period of time because they'll back pay you, and, basically, it will be as if you had ongoing payments during that period.","start":1115.6,"end":1131.265,"sentiment":"neutral","sentiment_score":-0.13367625281569503}],"sentiment":"neutral","sentiment_score":-0.13367625281569503,"channel":0,"num_words":42,"start":1115.6,"end":1131.265},{"sentences":[{"text":"Yep.","start":1131.815,"end":1132.315,"sentiment":"neutral","sentiment_score":0.04233019798994064}],"sentiment":"neutral","sentiment_score":0.04233019798994064,"channel":1,"num_words":1,"start":1131.815,"end":1132.315},{"sentences":[{"text":"But it'll all come down to that assessment.","start":1133.42,"end":1135.26,"sentiment":"neutral","sentiment_score":-0.11222667992115021},{"text":"Obviously, you have to get approved for the payment first and then just give them a call and have a chat to them.","start":1135.26,"end":1141.2001,"sentiment":"neutral","sentiment_score":-0.12286574199147847},{"text":"But","start":1141.26,"end":1141.76,"sentiment":"neutral","sentiment_score":-0.13869966566562653}],"sentiment":"neutral","sentiment_score":-0.12070078658871353,"channel":0,"num_words":32,"start":1133.42,"end":1141.76},{"sentences":[{"text":"Yep.","start":1141.655,"end":1142.155,"sentiment":"neutral","sentiment_score":-0.1808190196752548}],"sentiment":"neutral","sentiment_score":-0.1808190196752548,"channel":1,"num_words":1,"start":1141.655,"end":1142.155},{"sentences":[{"text":"I'm not exactly hopeful, to be completely honest.","start":1142.4601,"end":1146.0,"sentiment":"negative","sentiment_score":-0.6020195111632347},{"text":"I'll","start":1146.4249,"end":1146.745,"sentiment":"neutral","sentiment_score":-0.2235746383666992}],"sentiment":"negative","sentiment_score":-0.5599700808525085,"channel":0,"num_words":9,"start":1142.4601,"end":1146.745},{"sentences":[{"text":"Yeah.","start":1146.455,"end":1146.87,"sentiment":"neutral","sentiment_score":-0.09130901098251344}],"sentiment":"neutral","sentiment_score":-0.09130901098251344,"channel":1,"num_words":1,"start":1146.455,"end":1146.87},{"sentences":[{"text":"have a look, and I'll have a bit of a dig and start brainstorming a little bit just to see if there's any other avenues that I can that are not, like, glaringly obvious or, you know, straight up that I can kinda think of that obviously don't go down the let's financially separate and have a cute document.","start":1146.745,"end":1165.1799,"sentiment":"neutral","sentiment_score":0.0813396937071772}],"sentiment":"neutral","sentiment_score":0.0813396937071772,"channel":0,"num_words":59,"start":1146.745,"end":1165.1799},{"sentences":[{"text":"Yep.","start":1165.985,"end":1166.485,"sentiment":"neutral","sentiment_score":0.22276157140731812}],"sentiment":"neutral","sentiment_score":0.22276157140731812,"channel":1,"num_words":1,"start":1165.985,"end":1166.485},{"sentences":[{"text":"Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else.","start":1166.76,"end":1189.52,"sentiment":"neutral","sentiment_score":0.14262677381028893}],"sentiment":"neutral","sentiment_score":0.14262677381028893,"channel":0,"num_words":61,"start":1166.76,"end":1189.52},{"sentences":[{"text":"Yeah.","start":1190.1799,"end":1190.6799,"sentiment":"neutral","sentiment_score":0.03044259175658226},{"text":"And","start":1190.935,"end":1191.255,"sentiment":"neutral","sentiment_score":-0.00039089471101760864}],"sentiment":"neutral","sentiment_score":0.015025848522782326,"channel":1,"num_words":2,"start":1190.1799,"end":1191.255},{"sentences":[{"text":"So","start":1191.02,"end":1191.52,"sentiment":"neutral","sentiment_score":-0.018238835036754608}],"sentiment":"neutral","sentiment_score":-0.018238835036754608,"channel":0,"num_words":1,"start":1191.02,"end":1191.52},{"sentences":[{"text":"I'd like to","start":1191.255,"end":1191.8151,"sentiment":"neutral","sentiment_score":-0.08774290978908539}],"sentiment":"neutral","sentiment_score":-0.08774290978908539,"channel":1,"num_words":3,"start":1191.255,"end":1191.8151},{"sentences":[{"text":"not","start":1191.66,"end":1191.98,"sentiment":"neutral","sentiment_score":-0.08359336853027344}],"sentiment":"neutral","sentiment_score":-0.08359336853027344,"channel":0,"num_words":1,"start":1191.66,"end":1191.98},{"sentences":[{"text":"be with","start":1191.8151,"end":1192.295,"sentiment":"neutral","sentiment_score":-0.144565649330616}],"sentiment":"neutral","sentiment_score":-0.144565649330616,"channel":1,"num_words":2,"start":1191.8151,"end":1192.295},{"sentences":[{"text":"necessarily","start":1191.98,"end":1192.48,"sentiment":"neutral","sentiment_score":-0.07983603328466415}],"sentiment":"neutral","sentiment_score":-0.07983603328466415,"channel":0,"num_words":1,"start":1191.98,"end":1192.48},{"sentences":[{"text":"Hub twenty","start":1192.295,"end":1192.6951,"sentiment":"neutral","sentiment_score":-0.10203669965267181}],"sentiment":"neutral","sentiment_score":-0.10203669965267181,"channel":1,"num_words":2,"start":1192.295,"end":1192.6951},{"sentences":[{"text":"an","start":1192.54,"end":1192.7001,"sentiment":"neutral","sentiment_score":-0.09816958010196686}],"sentiment":"neutral","sentiment_score":-0.09816958010196686,"channel":0,"num_words":1,"start":1192.54,"end":1192.7001},{"sentences":[{"text":"four","start":1192.6951,"end":1193.015,"sentiment":"neutral","sentiment_score":-0.09755673259496687}],"sentiment":"neutral","sentiment_score":-0.09755673259496687,"channel":1,"num_words":1,"start":1192.6951,"end":1193.015},{"sentences":[{"text":"avenue","start":1192.7001,"end":1193.02,"sentiment":"neutral","sentiment_score":-0.04227812215685845}],"sentiment":"neutral","sentiment_score":-0.04227812215685845,"channel":0,"num_words":1,"start":1192.7001,"end":1193.02},{"sentences":[{"text":"as","start":1193.015,"end":1193.175,"sentiment":"neutral","sentiment_score":-0.07096853852272034}],"sentiment":"neutral","sentiment_score":-0.07096853852272034,"channel":1,"num_words":1,"start":1193.015,"end":1193.175},{"sentences":[{"text":"you wanna","start":1193.02,"end":1193.42,"sentiment":"neutral","sentiment_score":-0.04815794713795185}],"sentiment":"neutral","sentiment_score":-0.04815794713795185,"channel":0,"num_words":2,"start":1193.02,"end":1193.42},{"sentences":[{"text":"well.","start":1193.175,"end":1193.675,"sentiment":"neutral","sentiment_score":-0.07730576395988464}],"sentiment":"neutral","sentiment_score":-0.07730576395988464,"channel":1,"num_words":1,"start":1193.175,"end":1193.675},{"sentences":[{"text":"go.","start":1193.42,"end":1193.92,"sentiment":"neutral","sentiment_score":-0.052756622433662415}],"sentiment":"neutral","sentiment_score":-0.052756622433662415,"channel":0,"num_words":1,"start":1193.42,"end":1193.92},{"sentences":[{"text":"Nah.","start":1194.855,"end":1195.255,"sentiment":"neutral","sentiment_score":-0.005844682455062866},{"text":"I like being","start":1195.255,"end":1195.8151,"sentiment":"neutral","sentiment_score":0.059383463114500046}],"sentiment":"neutral","sentiment_score":0.04307642672210932,"channel":1,"num_words":4,"start":1194.855,"end":1195.8151},{"sentences":[{"text":"You can","start":1195.5801,"end":1195.9,"sentiment":"neutral","sentiment_score":0.05390994809567928}],"sentiment":"neutral","sentiment_score":0.05390994809567928,"channel":0,"num_words":2,"start":1195.5801,"end":1195.9},{"sentences":[{"text":"with Hub","start":1195.8151,"end":1196.135,"sentiment":"neutral","sentiment_score":0.06875869259238243}],"sentiment":"neutral","sentiment_score":0.06875869259238243,"channel":1,"num_words":2,"start":1195.8151,"end":1196.135},{"sentences":[{"text":"always","start":1195.9,"end":1196.3,"sentiment":"neutral","sentiment_score":0.09976041316986084}],"sentiment":"neutral","sentiment_score":0.09976041316986084,"channel":0,"num_words":1,"start":1195.9,"end":1196.3},{"sentences":[{"text":"twenty","start":1196.135,"end":1196.4551,"sentiment":"neutral","sentiment_score":0.0804414451122284}],"sentiment":"neutral","sentiment_score":0.0804414451122284,"channel":1,"num_words":1,"start":1196.135,"end":1196.4551},{"sentences":[{"text":"stay","start":1196.3,"end":1196.54,"sentiment":"neutral","sentiment_score":0.05309069901704788}],"sentiment":"neutral","sentiment_score":0.05309069901704788,"channel":0,"num_words":1,"start":1196.3,"end":1196.54},{"sentences":[{"text":"four.","start":1196.4551,"end":1196.9551,"sentiment":"neutral","sentiment_score":0.04324214160442352}],"sentiment":"neutral","sentiment_score":0.04324214160442352,"channel":1,"num_words":1,"start":1196.4551,"end":1196.9551},{"sentences":[{"text":"with hub twenty","start":1196.54,"end":1197.18,"sentiment":"neutral","sentiment_score":0.024628468478719395}],"sentiment":"neutral","sentiment_score":0.024628468478719395,"channel":0,"num_words":3,"start":1196.54,"end":1197.18},{"sentences":[{"text":"Oh,","start":1197.095,"end":1197.595,"sentiment":"neutral","sentiment_score":0.0957024097442627}],"sentiment":"neutral","sentiment_score":0.0957024097442627,"channel":1,"num_words":1,"start":1197.095,"end":1197.595},{"sentences":[{"text":"you can stay with hub twenty four under an SMSF.","start":1197.3401,"end":1199.6,"sentiment":"neutral","sentiment_score":0.08588235601782798},{"text":"Like, it's not impossible.","start":1199.66,"end":1201.605,"sentiment":"neutral","sentiment_score":0.03758085612207651}],"sentiment":"neutral","sentiment_score":0.0720819274761847,"channel":0,"num_words":14,"start":1197.3401,"end":1201.605},{"sentences":[{"text":"okay.","start":1201.3351,"end":1201.8351,"sentiment":"neutral","sentiment_score":0.10324501991271973}],"sentiment":"neutral","sentiment_score":0.10324501991271973,"channel":1,"num_words":1,"start":1201.3351,"end":1201.8351},{"sentences":[{"text":"Yeah.","start":1202.945,"end":1203.445,"sentiment":"neutral","sentiment_score":0.10551896691322328},{"text":"Let me have a look into it and see if there's a way that I can maybe operate it.","start":1204.3049,"end":1210.085,"sentiment":"neutral","sentiment_score":0.1348908598485746},{"text":"Let me let me look into it because I don't think that I'm really I'm racking my head and talking out loud,","start":1211.4249,"end":1217.7899,"sentiment":"neutral","sentiment_score":-0.07226408831775188}],"sentiment":"neutral","sentiment_score":0.0256817943106095,"channel":0,"num_words":42,"start":1202.945,"end":1217.7899},{"sentences":[{"text":"Yeah.","start":1217.78,"end":1218.28,"sentiment":"neutral","sentiment_score":-0.01773248426616192}],"sentiment":"neutral","sentiment_score":-0.01773248426616192,"channel":1,"num_words":1,"start":1217.78,"end":1218.28},{"sentences":[{"text":"but","start":1217.7899,"end":1218.2899,"sentiment":"neutral","sentiment_score":-0.019252639263868332}],"sentiment":"neutral","sentiment_score":-0.019252639263868332,"channel":0,"num_words":1,"start":1217.7899,"end":1218.2899},{"sentences":[{"text":"I can hear","start":1218.74,"end":1219.8049,"sentiment":"neutral","sentiment_score":-0.013438417265812555}],"sentiment":"neutral","sentiment_score":-0.013438417265812555,"channel":1,"num_words":3,"start":1218.74,"end":1219.8049},{"sentences":[{"text":"let let me look yeah.","start":1219.3899,"end":1221.07,"sentiment":"neutral","sentiment_score":0.036895133554935455},{"text":"Let me look into it and see if there's, like, a a weird, wonderful way that we can do it.","start":1221.07,"end":1224.6699,"sentiment":"neutral","sentiment_score":0.25601066313683984}],"sentiment":"neutral","sentiment_score":0.21218755722045898,"channel":0,"num_words":25,"start":1219.3899,"end":1224.6699},{"sentences":[{"text":"it.","start":1224.625,"end":1225.125,"sentiment":"neutral","sentiment_score":0.02401365153491497}],"sentiment":"neutral","sentiment_score":0.02401365153491497,"channel":1,"num_words":1,"start":1224.625,"end":1225.125},{"sentences":[{"text":"But it's $8, so it's that weird kind of it's a bit of money, but it's not a heap of","start":1224.6699,"end":1230.155,"sentiment":"neutral","sentiment_score":-0.11152148870751262}],"sentiment":"neutral","sentiment_score":-0.11152148870751262,"channel":0,"num_words":20,"start":1224.6699,"end":1230.155},{"sentences":[{"text":"A massive","start":1229.945,"end":1230.5049,"sentiment":"neutral","sentiment_score":-0.1852402575314045}],"sentiment":"neutral","sentiment_score":-0.1852402575314045,"channel":1,"num_words":2,"start":1229.945,"end":1230.5049},{"sentences":[{"text":"money.","start":1230.4551,"end":1230.9551,"sentiment":"neutral","sentiment_score":-0.13390107452869415}],"sentiment":"neutral","sentiment_score":-0.13390107452869415,"channel":0,"num_words":1,"start":1230.4551,"end":1230.9551},{"sentences":[{"text":"amount.","start":1230.5049,"end":1230.825,"sentiment":"neutral","sentiment_score":-0.03833907097578049},{"text":"Yeah.","start":1230.825,"end":1231.065,"sentiment":"neutral","sentiment_score":0.015873240306973457},{"text":"It's","start":1231.065,"end":1231.1449,"sentiment":"neutral","sentiment_score":-0.01785152778029442}],"sentiment":"neutral","sentiment_score":-0.013439119483033815,"channel":1,"num_words":3,"start":1230.5049,"end":1231.1449},{"sentences":[{"text":"It","start":1231.0951,"end":1231.255,"sentiment":"neutral","sentiment_score":-0.058170925825834274}],"sentiment":"neutral","sentiment_score":-0.058170925825834274,"channel":0,"num_words":1,"start":1231.0951,"end":1231.255},{"sentences":[{"text":"not","start":1231.1449,"end":1231.3049,"sentiment":"neutral","sentiment_score":-0.11372756212949751}],"sentiment":"neutral","sentiment_score":-0.11372756212949751,"channel":1,"num_words":1,"start":1231.1449,"end":1231.3049},{"sentences":[{"text":"was","start":1231.255,"end":1231.415,"sentiment":"neutral","sentiment_score":-0.2228334844112396}],"sentiment":"neutral","sentiment_score":-0.2228334844112396,"channel":0,"num_words":1,"start":1231.255,"end":1231.415},{"sentences":[{"text":"like there's","start":1231.3049,"end":1231.625,"sentiment":"neutral","sentiment_score":-0.19796206802129745}],"sentiment":"neutral","sentiment_score":-0.19796206802129745,"channel":1,"num_words":2,"start":1231.3049,"end":1231.625},{"sentences":[{"text":"like","start":1231.415,"end":1231.915,"sentiment":"neutral","sentiment_score":-0.19452893733978271}],"sentiment":"neutral","sentiment_score":-0.19452893733978271,"channel":0,"num_words":1,"start":1231.415,"end":1231.915},{"sentences":[{"text":"a 100 k's in","start":1231.625,"end":1232.87,"sentiment":"neutral","sentiment_score":-0.14247252233326435}],"sentiment":"neutral","sentiment_score":-0.14247252233326435,"channel":1,"num_words":4,"start":1231.625,"end":1232.87},{"sentences":[{"text":"yeah.","start":1232.375,"end":1232.875,"sentiment":"neutral","sentiment_score":-0.0752001404762268},{"text":"Yeah.","start":1234.055,"end":1234.535,"sentiment":"neutral","sentiment_score":-0.06832136958837509},{"text":"And, like, the frustrating part is as well, the APO holding it, they invested on your behalf and do nothing much","start":1234.535,"end":1239.895,"sentiment":"negative","sentiment_score":-0.39460596938927966}],"sentiment":"negative","sentiment_score":-0.3665324724886728,"channel":0,"num_words":23,"start":1232.375,"end":1239.895},{"sentences":[{"text":"there.","start":1239.8926,"end":1240.3926,"sentiment":"negative","sentiment_score":-0.46458274126052856}],"sentiment":"negative","sentiment_score":-0.46458274126052856,"channel":1,"num_words":1,"start":1239.8926,"end":1240.3926},{"sentences":[{"text":"with it.","start":1239.895,"end":1240.555,"sentiment":"neutral","sentiment_score":-0.27642586827278137},{"text":"Can I ask?","start":1241.895,"end":1242.795,"sentiment":"neutral","sentiment_score":-0.06677903234958649},{"text":"Would you, like I will look into the other avenue, but would you be interested in possibly boosting the account?","start":1242.8551,"end":1251.36,"sentiment":"neutral","sentiment_score":0.05078898724168539},{"text":"We can invest the money.","start":1251.58,"end":1253.02,"sentiment":"neutral","sentiment_score":0.2881848305463791},{"text":"We can boost it and get things happening for retirement for her.","start":1253.02,"end":1257.2,"sentiment":"positive","sentiment_score":0.49706245322401327}],"sentiment":"neutral","sentiment_score":0.1825777262537962,"channel":0,"num_words":42,"start":1239.895,"end":1257.2},{"sentences":[{"text":"Because, like, realistically, we're planning on being together long term year and year, what, thirty four?","start":1257.455,"end":1262.835,"sentiment":"neutral","sentiment_score":0.30434700287878513},{"text":"So, you know, we've got thirty years.","start":1263.7749,"end":1266.575,"sentiment":"neutral","sentiment_score":0.07593507851873126},{"text":"I'm assuming wife is of the same age.","start":1266.575,"end":1269.315,"sentiment":"neutral","sentiment_score":0.060597111005336046},{"text":"Would you wanna, like, look at possibly doing some stuff in that avenue where you","start":1269.8899,"end":1275.09,"sentiment":"neutral","sentiment_score":0.13142682760953903}],"sentiment":"neutral","sentiment_score":0.17081036734516206,"channel":0,"num_words":46,"start":1257.455,"end":1275.09},{"sentences":[{"text":"Well,","start":1275.0751,"end":1275.3151,"sentiment":"neutral","sentiment_score":0.0633702427148819}],"sentiment":"neutral","sentiment_score":0.0633702427148819,"channel":1,"num_words":1,"start":1275.0751,"end":1275.3151},{"sentences":[{"text":"could","start":1275.09,"end":1275.33,"sentiment":"neutral","sentiment_score":0.09089002758264542}],"sentiment":"neutral","sentiment_score":0.09089002758264542,"channel":0,"num_words":1,"start":1275.09,"end":1275.33},{"sentences":[{"text":"that","start":1275.3151,"end":1275.4751,"sentiment":"neutral","sentiment_score":0.1060197502374649}],"sentiment":"neutral","sentiment_score":0.1060197502374649,"channel":1,"num_words":1,"start":1275.3151,"end":1275.4751},{"sentences":[{"text":"contribute","start":1275.33,"end":1275.73,"sentiment":"neutral","sentiment_score":0.1444159597158432}],"sentiment":"neutral","sentiment_score":0.1444159597158432,"channel":0,"num_words":1,"start":1275.33,"end":1275.73},{"sentences":[{"text":"was,","start":1275.4751,"end":1275.9751,"sentiment":"neutral","sentiment_score":0.05093696713447571}],"sentiment":"neutral","sentiment_score":0.05093696713447571,"channel":1,"num_words":1,"start":1275.4751,"end":1275.9751},{"sentences":[{"text":"to the fund?","start":1275.73,"end":1276.5499,"sentiment":"neutral","sentiment_score":0.10644976794719696}],"sentiment":"neutral","sentiment_score":0.10644976794719696,"channel":0,"num_words":3,"start":1275.73,"end":1276.5499},{"sentences":[{"text":"yeah, that was my absolute plan.","start":1277.795,"end":1280.1151,"sentiment":"positive","sentiment_score":0.44340503215789795},{"text":"Being able to open up the Huddl twenty four account for her, and I","start":1280.1151,"end":1285.8,"sentiment":"positive","sentiment_score":0.572767151253564}],"sentiment":"positive","sentiment_score":0.5339585155248642,"channel":1,"num_words":20,"start":1277.795,"end":1285.8},{"sentences":[{"text":"Mhmm.","start":1285.645,"end":1286.145,"sentiment":"neutral","sentiment_score":0.25093671679496765}],"sentiment":"neutral","sentiment_score":0.25093671679496765,"channel":0,"num_words":1,"start":1285.645,"end":1286.145},{"sentences":[{"text":"do, like, a a weekly, I don't know, $50,100 dollar top up to keep it going.","start":1286.3601,"end":1292.2001,"sentiment":"neutral","sentiment_score":0.258806511759758},{"text":"And then, yeah, transfer that 7","start":1292.2001,"end":1296.04,"sentiment":"neutral","sentiment_score":0.0834756741921107}],"sentiment":"neutral","sentiment_score":0.2109890106049451,"channel":1,"num_words":22,"start":1286.3601,"end":1296.04},{"sentences":[{"text":"Because","start":1295.77,"end":1296.17,"sentiment":"neutral","sentiment_score":0.04838419333100319}],"sentiment":"neutral","sentiment_score":0.04838419333100319,"channel":0,"num_words":1,"start":1295.77,"end":1296.17},{"sentences":[{"text":"or 8","start":1296.04,"end":1296.3601,"sentiment":"neutral","sentiment_score":0.0654230285435915}],"sentiment":"neutral","sentiment_score":0.0654230285435915,"channel":1,"num_words":2,"start":1296.04,"end":1296.3601},{"sentences":[{"text":"what","start":1296.17,"end":1296.49,"sentiment":"neutral","sentiment_score":0.0749003142118454}],"sentiment":"neutral","sentiment_score":0.0749003142118454,"channel":0,"num_words":1,"start":1296.17,"end":1296.49},{"sentences":[{"text":"grand into that.","start":1296.3601,"end":1297.3401,"sentiment":"neutral","sentiment_score":0.13111055890719095}],"sentiment":"neutral","sentiment_score":0.13111055890719095,"channel":1,"num_words":3,"start":1296.3601,"end":1297.3401},{"sentences":[{"text":"yeah.","start":1298.49,"end":1298.89,"sentiment":"neutral","sentiment_score":0.13940712809562683},{"text":"Because what we could do and, again, I will look at this as option b and look at option a as the first one, like, you know, see if we can get cash out.","start":1298.89,"end":1307.175,"sentiment":"neutral","sentiment_score":0.15043337095309706}],"sentiment":"neutral","sentiment_score":0.15011833544288364,"channel":0,"num_words":35,"start":1298.49,"end":1307.175},{"sentences":[{"text":"Yep.","start":1307.575,"end":1308.075,"sentiment":"neutral","sentiment_score":0.16272714734077454}],"sentiment":"neutral","sentiment_score":0.16272714734077454,"channel":1,"num_words":1,"start":1307.575,"end":1308.075},{"sentences":[{"text":"Option b is there's two types of contribute well, there's three types of contributions.","start":1308.4551,"end":1312.155,"sentiment":"neutral","sentiment_score":0.0552134213170835},{"text":"One the first one doesn't work for her because she's not working, so we're gonna write that off.","start":1313.015,"end":1317.255,"sentiment":"neutral","sentiment_score":-0.16255920421746042},{"text":"The two that","start":1317.255,"end":1317.8151,"sentiment":"neutral","sentiment_score":0.012641799946626028}],"sentiment":"neutral","sentiment_score":-0.06043292507529259,"channel":0,"num_words":35,"start":1308.4551,"end":1317.8151},{"sentences":[{"text":"Yep.","start":1317.73,"end":1318.23,"sentiment":"neutral","sentiment_score":-0.003335222601890564}],"sentiment":"neutral","sentiment_score":-0.003335222601890564,"channel":1,"num_words":1,"start":1317.73,"end":1318.23},{"sentences":[{"text":"remain are personal and spousal.","start":1317.8151,"end":1319.8351,"sentiment":"neutral","sentiment_score":0.03638614565134048},{"text":"Because she doesn't earn a taxable income, unless there's something you haven't told me about, but because she doesn't earn a taxable income, her and you are out of a higher tax bracket, you you could basically put a thousand dollars in under what's called a personal contribution, and the government will co contribute into the fund.","start":1320.1901,"end":1342.445,"sentiment":"neutral","sentiment_score":0.07849050402281839},{"text":"So you put a thousand dollars in, the government will pay 500.","start":1342.445,"end":1344.9249,"sentiment":"neutral","sentiment_score":0.24567295735081038},{"text":"So it's basically $500 of free money.","start":1344.9249,"end":1347.265,"sentiment":"positive","sentiment_score":0.38902582015310017}],"sentiment":"neutral","sentiment_score":0.12749562576344167,"channel":0,"num_words":81,"start":1317.8151,"end":1347.265},{"sentences":[{"text":"Yeah.","start":1347.85,"end":1348.35,"sentiment":"neutral","sentiment_score":0.23333516716957092},{"text":"K.","start":1348.41,"end":1348.91,"sentiment":"neutral","sentiment_score":0.14287173748016355}],"sentiment":"neutral","sentiment_score":0.18810345232486725,"channel":1,"num_words":2,"start":1347.85,"end":1348.91},{"sentences":[{"text":"Avenue number two is you can put up to $3 in per year, and you, as in Christopher, gets a personal tax rebate.","start":1348.47,"end":1363.385,"sentiment":"neutral","sentiment_score":0.25283954260141955},{"text":"So it's it's $3 in.","start":1364.0851,"end":1368.805,"sentiment":"neutral","sentiment_score":0.28594416081905366},{"text":"You'll get 18% of that $3, which is $540","start":1368.805,"end":1373.4651,"sentiment":"neutral","sentiment_score":0.31270255148410797}],"sentiment":"neutral","sentiment_score":0.27187441208878077,"channel":0,"num_words":37,"start":1348.47,"end":1373.4651},{"sentences":[{"text":"That's the tax rebate.","start":1375.02,"end":1376.08,"sentiment":"neutral","sentiment_score":0.22181088477373123}],"sentiment":"neutral","sentiment_score":0.22181088477373123,"channel":1,"num_words":4,"start":1375.02,"end":1376.08},{"sentences":[{"text":"back on your tax.","start":1376.165,"end":1377.09,"sentiment":"neutral","sentiment_score":0.10834528505802155},{"text":"Exactly.","start":1378.69,"end":1379.09,"sentiment":"neutral","sentiment_score":0.2655594050884247},{"text":"So it's a tax free","start":1379.09,"end":1379.89,"sentiment":"neutral","sentiment_score":0.2500931352376938}],"sentiment":"neutral","sentiment_score":0.19494062215089797,"channel":0,"num_words":10,"start":1376.165,"end":1379.89},{"sentences":[{"text":"Yep.","start":1379.74,"end":1380.24,"sentiment":"neutral","sentiment_score":0.21032598614692688}],"sentiment":"neutral","sentiment_score":0.21032598614692688,"channel":1,"num_words":1,"start":1379.74,"end":1380.24},{"sentences":[{"text":"rate there.","start":1379.89,"end":1380.63,"sentiment":"neutral","sentiment_score":0.07329063722863793},{"text":"So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500.","start":1381.33,"end":1398.545,"sentiment":"neutral","sentiment_score":0.08775618966472776}],"sentiment":"neutral","sentiment_score":0.08703291204292327,"channel":0,"num_words":40,"start":1379.89,"end":1398.545},{"sentences":[{"text":"Yep.","start":1399.7,"end":1400.2,"sentiment":"positive","sentiment_score":0.3536562919616699}],"sentiment":"positive","sentiment_score":0.3536562919616699,"channel":1,"num_words":1,"start":1399.7,"end":1400.2},{"sentences":[{"text":"So that is an avenue which would see her basically grow her account by $4.5 a year in contributions, and you get that cute little tax rebate on your income, drop down","start":1400.285,"end":1415.62,"sentiment":"positive","sentiment_score":0.5287135243415833}],"sentiment":"positive","sentiment_score":0.5287135243415833,"channel":0,"num_words":32,"start":1400.285,"end":1415.62},{"sentences":[{"text":"Yep.","start":1415.5951,"end":1416.0951,"sentiment":"neutral","sentiment_score":0.318236380815506}],"sentiment":"neutral","sentiment_score":0.318236380815506,"channel":1,"num_words":1,"start":1415.5951,"end":1416.0951},{"sentences":[{"text":"the tax.","start":1415.62,"end":1416.28,"sentiment":"neutral","sentiment_score":0.3299644738435745},{"text":"Super her super fund pays no tax on that amount because of the avenue that it contributed,","start":1417.22,"end":1423.4,"sentiment":"positive","sentiment_score":0.5017596483230591}],"sentiment":"positive","sentiment_score":0.4836759457462712,"channel":0,"num_words":19,"start":1415.62,"end":1423.4},{"sentences":[{"text":"Yep.","start":1424.81,"end":1425.31,"sentiment":"positive","sentiment_score":0.5072957277297974}],"sentiment":"positive","sentiment_score":0.5072957277297974,"channel":1,"num_words":1,"start":1424.81,"end":1425.31},{"sentences":[{"text":"and it's a way to kinda grow the account that way.","start":1425.465,"end":1429.245,"sentiment":"positive","sentiment_score":0.617432339624925},{"text":"It obviously affects cash flow for the family and needs to be considered in that avenue, but that is a possibility that we could go down as well and we could look at how that would work strategically.","start":1429.305,"end":1440.0599,"sentiment":"neutral","sentiment_score":0.2609758298648031}],"sentiment":"positive","sentiment_score":0.34099667899462643,"channel":0,"num_words":49,"start":1425.465,"end":1440.0599},{"sentences":[{"text":"Well, I'm thinking out loud because, like, my salary goes up every year.","start":1441.215,"end":1447.075,"sentiment":"neutral","sentiment_score":0.08329126811944522},{"text":"So once I hit that","start":1447.215,"end":1448.7899,"sentiment":"neutral","sentiment_score":0.08163311183452607}],"sentiment":"neutral","sentiment_score":0.08283066915141211,"channel":1,"num_words":18,"start":1441.215,"end":1448.7899},{"sentences":[{"text":"Yep.","start":1448.6,"end":1449.1,"sentiment":"neutral","sentiment_score":0.05835340544581413}],"sentiment":"neutral","sentiment_score":0.05835340544581413,"channel":0,"num_words":1,"start":1448.6,"end":1449.1},{"sentences":[{"text":"$1, that $1 and $3, is that does it have to be done in the lump sum, or can it be, like, over the year?","start":1448.7899,"end":1457.2699,"sentiment":"neutral","sentiment_score":0.01912993215024471},{"text":"Like,","start":1457.2699,"end":1457.4299,"sentiment":"neutral","sentiment_score":-0.01712151989340782}],"sentiment":"neutral","sentiment_score":0.017735645533181153,"channel":1,"num_words":26,"start":1448.7899,"end":1457.4299},{"sentences":[{"text":"No.","start":1457.335,"end":1457.835,"sentiment":"neutral","sentiment_score":-0.08083569258451462}],"sentiment":"neutral","sentiment_score":-0.08083569258451462,"channel":0,"num_words":1,"start":1457.335,"end":1457.835},{"sentences":[{"text":"can I do, like, a pretty what do you call it?","start":1457.4299,"end":1461.61,"sentiment":"neutral","sentiment_score":-0.03913490880619396},{"text":"Pretax.","start":1462.1499,"end":1462.6499,"sentiment":"neutral","sentiment_score":-0.047602057456970215}],"sentiment":"neutral","sentiment_score":-0.03984050452709198,"channel":1,"num_words":12,"start":1457.4299,"end":1462.6499},{"sentences":[{"text":"Over the year.","start":1462.695,"end":1463.6749,"sentiment":"neutral","sentiment_score":-0.03212174897392591}],"sentiment":"neutral","sentiment_score":-0.03212174897392591,"channel":0,"num_words":3,"start":1462.695,"end":1463.6749},{"sentences":[{"text":"Yeah.","start":1465.055,"end":1465.555,"sentiment":"neutral","sentiment_score":-0.017441924661397934}],"sentiment":"neutral","sentiment_score":-0.017441924661397934,"channel":1,"num_words":1,"start":1465.055,"end":1465.555},{"sentences":[{"text":"Can't be pretax.","start":1465.38,"end":1466.36,"sentiment":"neutral","sentiment_score":-0.03556628152728081}],"sentiment":"neutral","sentiment_score":-0.03556628152728081,"channel":0,"num_words":3,"start":1465.38,"end":1466.36},{"sentences":[{"text":"Oh,","start":1467.135,"end":1467.635,"sentiment":"neutral","sentiment_score":0.02360648661851883}],"sentiment":"neutral","sentiment_score":0.02360648661851883,"channel":1,"num_words":1,"start":1467.135,"end":1467.635},{"sentences":[{"text":"It's post tax money.","start":1467.2999,"end":1468.76,"sentiment":"neutral","sentiment_score":0.01328097004443407},{"text":"You","start":1469.0599,"end":1469.5599,"sentiment":"neutral","sentiment_score":0.0896453708410263}],"sentiment":"neutral","sentiment_score":0.028553850203752517,"channel":0,"num_words":5,"start":1467.2999,"end":1469.5599},{"sentences":[{"text":"okay.","start":1469.535,"end":1470.035,"sentiment":"neutral","sentiment_score":0.15478965640068054}],"sentiment":"neutral","sentiment_score":0.15478965640068054,"channel":1,"num_words":1,"start":1469.535,"end":1470.035},{"sentences":[{"text":"there's there's a couple of ways that we can set it up.","start":1471.1399,"end":1473.88,"sentiment":"neutral","sentiment_score":0.2071443758904934},{"text":"We could basically have her account just auto deduct from a bank account each week, fortnight, and a month, whatever cycle you wanna do it on,","start":1473.94,"end":1485.2749,"sentiment":"neutral","sentiment_score":0.17824957032616323}],"sentiment":"neutral","sentiment_score":0.18737424576753064,"channel":0,"num_words":38,"start":1471.1399,"end":1485.2749},{"sentences":[{"text":"Yep.","start":1485.57,"end":1486.07,"sentiment":"neutral","sentiment_score":0.16233423352241516}],"sentiment":"neutral","sentiment_score":0.16233423352241516,"channel":1,"num_words":1,"start":1485.57,"end":1486.07},{"sentences":[{"text":"and pay it that way.","start":1485.975,"end":1487.355,"sentiment":"neutral","sentiment_score":0.19123995900154114},{"text":"I'd have to look at the spousal contribution because these are two two different contribution types.","start":1487.8949,"end":1492.0199,"sentiment":"neutral","sentiment_score":0.03735603729728609},{"text":"They have to be they have to be paid in under different reference codes.","start":1492.0199,"end":1497.72,"sentiment":"neutral","sentiment_score":0.015337523871234484},{"text":"So it does like, it it it matters how they the money lands, really.","start":1498.58,"end":1504.0399,"sentiment":"neutral","sentiment_score":0.04518138876717005},{"text":"But I I can investigate the the specifics of whether I can get that basically withdrawn from your account.","start":1504.975,"end":1510.4149,"sentiment":"neutral","sentiment_score":0.07255264724555768}],"sentiment":"neutral","sentiment_score":0.05558325685834622,"channel":0,"num_words":68,"start":1485.975,"end":1510.4149},{"sentences":[{"text":"The other avenue is you just set up a automatic transfer from your bank account over to, like, the hub pay for bank account or whatever super fund, like, we go with.","start":1510.4149,"end":1521.17,"sentiment":"neutral","sentiment_score":0.15227307355962694}],"sentiment":"neutral","sentiment_score":0.15227307355962694,"channel":0,"num_words":32,"start":1510.4149,"end":1521.17},{"sentences":[{"text":"Yeah.","start":1521.885,"end":1522.125,"sentiment":"neutral","sentiment_score":0.10346262156963348},{"text":"Because I'm thinking, well, I could do the personal, you know, month's not the baby, and then the $3.","start":1522.125,"end":1528.0651,"sentiment":"neutral","sentiment_score":0.07575645807542299},{"text":"I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount.","start":1528.605,"end":1537.38,"sentiment":"neutral","sentiment_score":-0.16074296956261},{"text":"So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa","start":1537.38,"end":1548.275,"sentiment":"neutral","sentiment_score":-0.022107694608469803}],"sentiment":"neutral","sentiment_score":-0.03888591188006103,"channel":1,"num_words":80,"start":1521.885,"end":1548.275},{"sentences":[{"text":"I mean, it's an intriguing thought process.","start":1552.18,"end":1554.92,"sentiment":"neutral","sentiment_score":-0.10291104231561933}],"sentiment":"neutral","sentiment_score":-0.10291104231561933,"channel":0,"num_words":7,"start":1552.18,"end":1554.92},{"sentences":[{"text":"week.","start":1555.375,"end":1555.875,"sentiment":"neutral","sentiment_score":-0.0010040849447250366}],"sentiment":"neutral","sentiment_score":-0.0010040849447250366,"channel":1,"num_words":1,"start":1555.375,"end":1555.875},{"sentences":[{"text":"I I'm gonna be honest, been in the decades been in the industry for over a decade, haven't had that one posed to me.","start":1556.435,"end":1564.515,"sentiment":"neutral","sentiment_score":0.014289172870727876},{"text":"But let me have a look into it and see whether it's actually a possibility.","start":1564.515,"end":1568.2151,"sentiment":"neutral","sentiment_score":0.15682774980862935},{"text":"Because because, like, your employer would have an an has an obligation to ensure that they pay your SG.","start":1570.08,"end":1577.62,"sentiment":"neutral","sentiment_score":0.05347829037591031},{"text":"So your super like, your super guarantee contributions.","start":1577.84,"end":1580.26,"sentiment":"neutral","sentiment_score":0.12446869909763336},{"text":"They have","start":1580.96,"end":1581.2799,"sentiment":"neutral","sentiment_score":0.08846620470285416}],"sentiment":"neutral","sentiment_score":0.07182538110817618,"channel":0,"num_words":68,"start":1556.435,"end":1581.2799},{"sentences":[{"text":"Yep.","start":1581.235,"end":1581.735,"sentiment":"neutral","sentiment_score":0.10795396566390993}],"sentiment":"neutral","sentiment_score":0.10795396566390993,"channel":1,"num_words":1,"start":1581.235,"end":1581.735},{"sentences":[{"text":"to make sure that they meet their their legislative obligation.","start":1581.2799,"end":1584.1951,"sentiment":"neutral","sentiment_score":0.04446462839841843},{"text":"Anything on","start":1585.135,"end":1585.8551,"sentiment":"neutral","sentiment_score":-0.013426178134977818}],"sentiment":"neutral","sentiment_score":0.03481616064285239,"channel":0,"num_words":12,"start":1581.2799,"end":1585.8551},{"sentences":[{"text":"Oh,","start":1585.715,"end":1585.965,"sentiment":"neutral","sentiment_score":-0.007297676056623459}],"sentiment":"neutral","sentiment_score":-0.007297676056623459,"channel":1,"num_words":1,"start":1585.715,"end":1585.965},{"sentences":[{"text":"top","start":1585.8551,"end":1586.0951,"sentiment":"neutral","sentiment_score":0.011765804141759872}],"sentiment":"neutral","sentiment_score":0.011765804141759872,"channel":0,"num_words":1,"start":1585.8551,"end":1586.0951},{"sentences":[{"text":"actually,","start":1585.965,"end":1586.465,"sentiment":"neutral","sentiment_score":0.017728140577673912}],"sentiment":"neutral","sentiment_score":0.017728140577673912,"channel":1,"num_words":1,"start":1585.965,"end":1586.465},{"sentences":[{"text":"of that?","start":1586.0951,"end":1586.755,"sentiment":"neutral","sentiment_score":0.009542370215058327},{"text":"Yeah.","start":1588.015,"end":1588.515,"sentiment":"neutral","sentiment_score":0.030197210609912872}],"sentiment":"neutral","sentiment_score":0.016427317013343174,"channel":0,"num_words":3,"start":1586.0951,"end":1588.515},{"sentences":[{"text":"yeah.","start":1589.55,"end":1589.87,"sentiment":"neutral","sentiment_score":0.03149343281984329},{"text":"Yeah.","start":1589.87,"end":1589.95,"sentiment":"neutral","sentiment_score":-0.008467467501759529},{"text":"No.","start":1589.95,"end":1590.1901,"sentiment":"neutral","sentiment_score":-0.2656869888305664},{"text":"So 12.5 would have to be solely into wine.","start":1590.1901,"end":1593.55,"sentiment":"neutral","sentiment_score":-0.22255541218651664},{"text":"So if anything, it's gonna be a salary sacrifice after that, which one I'm okay with.","start":1593.55,"end":1598.13,"sentiment":"neutral","sentiment_score":-0.26105633936822414}],"sentiment":"neutral","sentiment_score":-0.2293771843958114,"channel":1,"num_words":28,"start":1589.55,"end":1598.13},{"sentences":[{"text":"Yes.","start":1599.92,"end":1600.24,"sentiment":"neutral","sentiment_score":0.07600964605808258},{"text":"Yeah.","start":1600.24,"end":1600.56,"sentiment":"neutral","sentiment_score":0.07056041061878204},{"text":"But think about it.","start":1600.56,"end":1602.08,"sentiment":"neutral","sentiment_score":0.02068148832768202},{"text":"Like, the you were in a 100 I I I'm gonna double check.","start":1602.08,"end":1605.28,"sentiment":"neutral","sentiment_score":0.025135591053045712},{"text":"Your $175 income, is that your base salary super on top, or is that inclusive?","start":1605.28,"end":1612.095,"sentiment":"neutral","sentiment_score":-0.013959890604019165}],"sentiment":"neutral","sentiment_score":0.01019589219461469,"channel":0,"num_words":34,"start":1599.92,"end":1612.095},{"sentences":[{"text":"No.","start":1612.755,"end":1612.915,"sentiment":"neutral","sentiment_score":-0.30070263147354126},{"text":"No.","start":1612.915,"end":1613.0751,"sentiment":"neutral","sentiment_score":-0.3178030848503113},{"text":"That's basically possible.","start":1613.0751,"end":1614.2151,"sentiment":"neutral","sentiment_score":-0.1903750995794932}],"sentiment":"neutral","sentiment_score":-0.23792620301246642,"channel":1,"num_words":5,"start":1612.755,"end":1614.2151},{"sentences":[{"text":"So the 12.5 that you get paid on top of that, that's $218.75.","start":1617.6749,"end":1623.375,"sentiment":"neutral","sentiment_score":-0.0008446370573857656},{"text":"So from that money goes into your super.","start":1623.7999,"end":1627.26,"sentiment":"neutral","sentiment_score":0.08522998075932264},{"text":"You actually can split that amount of money, and it gets paid into you can actually transfer that into your wife's super.","start":1627.72,"end":1635.4199,"sentiment":"neutral","sentiment_score":0.11185841330073097},{"text":"But it happens after the money's landed in your account.","start":1636.12,"end":1639.645,"sentiment":"neutral","sentiment_score":0.015250795334577561},{"text":"It's called spousal splitting, and up to 70 up to 85 of the contributions in a year can be split and transferred to a spouse's account.","start":1639.865,"end":1649.04,"sentiment":"neutral","sentiment_score":0.048817732801231056}],"sentiment":"neutral","sentiment_score":0.05763941345724596,"channel":0,"num_words":79,"start":1617.6749,"end":1649.04},{"sentences":[{"text":"But I'm I'm I'm gonna be pretty clear about this.","start":1650.8,"end":1653.78,"sentiment":"neutral","sentiment_score":0.11218730881810188},{"text":"More money makes more money.","start":1654.16,"end":1655.7001,"sentiment":"neutral","sentiment_score":0.27042684853076937},{"text":"Your income and the contributions going into your account your account would generally make more sense.","start":1656.0,"end":1662.285,"sentiment":"neutral","sentiment_score":0.32735877484083176},{"text":"The only","start":1662.8451,"end":1663.485,"sentiment":"neutral","sentiment_score":-0.0385160818696022}],"sentiment":"neutral","sentiment_score":0.23135501710754452,"channel":0,"num_words":33,"start":1650.8,"end":1663.485},{"sentences":[{"text":"Yeah.","start":1663.225,"end":1663.725,"sentiment":"neutral","sentiment_score":-0.05081717297434807}],"sentiment":"neutral","sentiment_score":-0.05081717297434807,"channel":1,"num_words":1,"start":1663.225,"end":1663.725},{"sentences":[{"text":"time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where","start":1663.485,"end":1676.9801,"sentiment":"neutral","sentiment_score":-0.06697549851554813}],"sentiment":"neutral","sentiment_score":-0.06697549851554813,"channel":0,"num_words":33,"start":1663.485,"end":1676.9801},{"sentences":[{"text":"Yeah.","start":1676.87,"end":1677.37,"sentiment":"neutral","sentiment_score":-0.01741372048854828}],"sentiment":"neutral","sentiment_score":-0.01741372048854828,"channel":1,"num_words":1,"start":1676.87,"end":1677.37},{"sentences":[{"text":"we're at for this kind of avenue.","start":1676.9801,"end":1679.24,"sentiment":"neutral","sentiment_score":0.012054959711219584}],"sentiment":"neutral","sentiment_score":0.012054959711219584,"channel":0,"num_words":7,"start":1676.9801,"end":1679.24},{"sentences":[{"text":"Okay.","start":1681.99,"end":1682.49,"sentiment":"neutral","sentiment_score":0.06469327956438065},{"text":"Alright.","start":1683.67,"end":1684.17,"sentiment":"neutral","sentiment_score":0.09747755527496338},{"text":"Well, I'll be yeah.","start":1684.3099,"end":1688.23,"sentiment":"neutral","sentiment_score":0.09456096589565277}],"sentiment":"neutral","sentiment_score":0.09006911640365918,"channel":1,"num_words":6,"start":1681.99,"end":1688.23},{"sentences":[{"text":"Because","start":1687.945,"end":1688.345,"sentiment":"neutral","sentiment_score":0.0631851851940155}],"sentiment":"neutral","sentiment_score":0.0631851851940155,"channel":0,"num_words":1,"start":1687.945,"end":1688.345},{"sentences":[{"text":"I'll","start":1688.23,"end":1688.47,"sentiment":"neutral","sentiment_score":0.06329594552516937}],"sentiment":"neutral","sentiment_score":0.06329594552516937,"channel":1,"num_words":1,"start":1688.23,"end":1688.47},{"sentences":[{"text":"$4,000","start":1688.345,"end":1688.985,"sentiment":"neutral","sentiment_score":0.07429874688386917}],"sentiment":"neutral","sentiment_score":0.07429874688386917,"channel":0,"num_words":1,"start":1688.345,"end":1688.985},{"sentences":[{"text":"probably have you","start":1688.47,"end":1689.075,"sentiment":"neutral","sentiment_score":0.042982627948125206}],"sentiment":"neutral","sentiment_score":0.042982627948125206,"channel":1,"num_words":3,"start":1688.47,"end":1689.075},{"sentences":[{"text":"did","start":1689.065,"end":1689.225,"sentiment":"neutral","sentiment_score":0.018263842910528183}],"sentiment":"neutral","sentiment_score":0.018263842910528183,"channel":0,"num_words":1,"start":1689.065,"end":1689.225},{"sentences":[{"text":"just","start":1689.075,"end":1689.575,"sentiment":"neutral","sentiment_score":0.032521575689315796}],"sentiment":"neutral","sentiment_score":0.032521575689315796,"channel":1,"num_words":1,"start":1689.075,"end":1689.575},{"sentences":[{"text":"you say you get paid","start":1689.225,"end":1690.0249,"sentiment":"neutral","sentiment_score":0.04118729382753372}],"sentiment":"neutral","sentiment_score":0.04118729382753372,"channel":0,"num_words":5,"start":1689.225,"end":1690.0249},{"sentences":[{"text":"done.","start":1689.875,"end":1690.375,"sentiment":"neutral","sentiment_score":0.032972440123558044}],"sentiment":"neutral","sentiment_score":0.032972440123558044,"channel":1,"num_words":1,"start":1689.875,"end":1690.375},{"sentences":[{"text":"fortnightly?","start":1690.0249,"end":1690.5249,"sentiment":"neutral","sentiment_score":0.01764172874391079}],"sentiment":"neutral","sentiment_score":0.01764172874391079,"channel":0,"num_words":1,"start":1690.0249,"end":1690.5249},{"sentences":[{"text":"Yeah.","start":1691.395,"end":1691.5549,"sentiment":"neutral","sentiment_score":0.05882597714662552},{"text":"I'm gonna pay fortnightly.","start":1691.5549,"end":1692.5349,"sentiment":"neutral","sentiment_score":0.07778282463550568}],"sentiment":"neutral","sentiment_score":0.07399145513772964,"channel":1,"num_words":5,"start":1691.395,"end":1692.5349},{"sentences":[{"text":"So $4,000 a fortnight is a 100 and just call it a $154 a fortnight.","start":1694.1849,"end":1699.9,"sentiment":"neutral","sentiment_score":0.06760142470399538},{"text":"That like, for the $4, if you want to put the three plus the one into the like, into your wife's account, it'd be a hun $154 a fortnight that you would transfer over to the super fund.","start":1700.84,"end":1714.985,"sentiment":"neutral","sentiment_score":0.0959633738782845},{"text":"So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else?","start":1715.0449,"end":1726.38,"sentiment":"neutral","sentiment_score":0.016955896116354886}],"sentiment":"neutral","sentiment_score":0.06019689707920469,"channel":0,"num_words":87,"start":1694.1849,"end":1726.38},{"sentences":[{"text":"Not really.","start":1727.735,"end":1728.4551,"sentiment":"neutral","sentiment_score":-0.19312522560358047},{"text":"Like, I'm mostly thinking long term.","start":1728.4551,"end":1730.375,"sentiment":"neutral","sentiment_score":-0.0558620902399222},{"text":"Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh.","start":1730.375,"end":1737.89,"sentiment":"neutral","sentiment_score":0.05920350493397564},{"text":"By the time we retire, which is funny.","start":1738.91,"end":1741.17,"sentiment":"neutral","sentiment_score":-0.018360110465437174},{"text":"Yeah.","start":1747.035,"end":1747.275,"sentiment":"neutral","sentiment_score":0.12865491211414337}],"sentiment":"neutral","sentiment_score":0.006291124687501879,"channel":1,"num_words":33,"start":1727.735,"end":1747.275},{"sentences":[{"text":"So if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts.","start":1747.275,"end":1753.035,"sentiment":"neutral","sentiment_score":0.11361816935241223},{"text":"Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something.","start":1753.035,"end":1756.495,"sentiment":"neutral","sentiment_score":0.04977204278111458},{"text":"Well, it would be hers.","start":1757.195,"end":1758.155,"sentiment":"positive","sentiment_score":0.4688312292098999},{"text":"Like, I'm more than happy for her to have a half decent super account come out of retirement.","start":1758.155,"end":1764.39,"sentiment":"positive","sentiment_score":0.655879901515113},{"text":"So","start":1764.45,"end":1764.95,"sentiment":"neutral","sentiment_score":0.12495838105678558}],"sentiment":"neutral","sentiment_score":0.28134214373365524,"channel":1,"num_words":62,"start":1747.275,"end":1764.95},{"sentences":[{"text":"Yep.","start":1764.49,"end":1764.99,"sentiment":"neutral","sentiment_score":0.15742993354797363},{"text":"Alright.","start":1767.05,"end":1767.55,"sentiment":"neutral","sentiment_score":0.1678125113248825},{"text":"Well, why don't we","start":1767.77,"end":1768.57,"sentiment":"neutral","sentiment_score":0.016861314419656992}],"sentiment":"neutral","sentiment_score":0.06544795042524736,"channel":0,"num_words":6,"start":1764.49,"end":1768.57},{"sentences":[{"text":"yeah.","start":1768.45,"end":1768.95,"sentiment":"neutral","sentiment_score":-0.008080866187810898}],"sentiment":"neutral","sentiment_score":-0.008080866187810898,"channel":1,"num_words":1,"start":1768.45,"end":1768.95},{"sentences":[{"text":"do this?","start":1768.57,"end":1769.23,"sentiment":"neutral","sentiment_score":-0.010567011311650276},{"text":"Why don't I organize a time that I can sit down sit down?","start":1770.73,"end":1774.665,"sentiment":"neutral","sentiment_score":0.10160605236887932},{"text":"We can video call.","start":1774.665,"end":1775.545,"sentiment":"neutral","sentiment_score":0.07447115518152714},{"text":"I don't I don't mind.","start":1775.545,"end":1776.505,"sentiment":"neutral","sentiment_score":-0.003081911988556385},{"text":"Where I can speak to yourself and I'm sorry.","start":1776.505,"end":1778.8251,"sentiment":"neutral","sentiment_score":-0.011500299390819339}],"sentiment":"neutral","sentiment_score":0.044809606801154034,"channel":0,"num_words":33,"start":1768.57,"end":1778.8251},{"sentences":[{"text":"What was your wife's name?","start":1778.8251,"end":1780.125,"sentiment":"neutral","sentiment_score":-0.061752117425203326}],"sentiment":"neutral","sentiment_score":-0.061752117425203326,"channel":0,"num_words":5,"start":1778.8251,"end":1780.125},{"sentences":[{"text":"Tanika.","start":1780.465,"end":1780.965,"sentiment":"neutral","sentiment_score":0.11030711233615877}],"sentiment":"neutral","sentiment_score":0.11030711233615877,"channel":1,"num_words":1,"start":1780.465,"end":1780.965},{"sentences":[{"text":"Perfect.","start":1782.5851,"end":1782.905,"sentiment":"positive","sentiment_score":0.4726817011833191},{"text":"I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting.","start":1782.905,"end":1787.64,"sentiment":"neutral","sentiment_score":0.30405899304896594},{"text":"I can do a little bit of research we've kinda talked about to see whether there's any other avenues that pop up.","start":1787.8601,"end":1793.4801,"sentiment":"neutral","sentiment_score":0.18410095843401822},{"text":"We can involve her in the conversation, and we are able to maybe do some joint financial advice planning with the two of you.","start":1793.6201,"end":1802.685,"sentiment":"neutral","sentiment_score":0.30000788656373817},{"text":"I can get a little bit more information about her.","start":1802.685,"end":1805.425,"sentiment":"neutral","sentiment_score":0.20611640214920043}],"sentiment":"neutral","sentiment_score":0.257992674632893,"channel":0,"num_words":77,"start":1782.5851,"end":1805.425},{"sentences":[{"text":"And, obviously, it's a consent conversation as well, to be honest, because it is technically her money.","start":1805.965,"end":1811.485,"sentiment":"neutral","sentiment_score":-0.0018283883657525567},{"text":"So I'm legally not allowed to act on your instruction.","start":1811.485,"end":1815.345,"sentiment":"neutral","sentiment_score":-0.17443116307258605}],"sentiment":"neutral","sentiment_score":-0.06575534196087608,"channel":0,"num_words":27,"start":1805.965,"end":1815.345},{"sentences":[{"text":"Yep.","start":1815.015,"end":1815.515,"sentiment":"neutral","sentiment_score":-0.02846459113061428}],"sentiment":"neutral","sentiment_score":-0.02846459113061428,"channel":1,"num_words":1,"start":1815.015,"end":1815.515},{"sentences":[{"text":"It has to be hers.","start":1815.5651,"end":1816.705,"sentiment":"neutral","sentiment_score":-0.06565765440464019}],"sentiment":"neutral","sentiment_score":-0.06565765440464019,"channel":0,"num_words":5,"start":1815.5651,"end":1816.705},{"sentences":[{"text":"Yep.","start":1816.9349,"end":1817.31,"sentiment":"neutral","sentiment_score":0.02851030230522156}],"sentiment":"neutral","sentiment_score":0.02851030230522156,"channel":1,"num_words":1,"start":1816.9349,"end":1817.31},{"sentences":[{"text":"And but this this conversation's fine because it it's it's general in nature when you're not telling me to go do a thing, and I'm irrespective.","start":1819.78,"end":1825.46,"sentiment":"neutral","sentiment_score":0.07670531493539993},{"text":"I can't","start":1825.46,"end":1825.86,"sentiment":"neutral","sentiment_score":-0.12956039607524872}],"sentiment":"neutral","sentiment_score":0.06197204986321075,"channel":0,"num_words":28,"start":1819.78,"end":1825.86},{"sentences":[{"text":"Yeah.","start":1825.55,"end":1826.05,"sentiment":"neutral","sentiment_score":-0.08011619001626968}],"sentiment":"neutral","sentiment_score":-0.08011619001626968,"channel":1,"num_words":1,"start":1825.55,"end":1826.05},{"sentences":[{"text":"go do a thing.","start":1825.86,"end":1826.34,"sentiment":"neutral","sentiment_score":-0.14546842128038406},{"text":"I need her to sign off on it.","start":1826.34,"end":1827.86,"sentiment":"neutral","sentiment_score":-0.12888658232986927},{"text":"But we can realistically go and do some planning, strategizing, and I can kind of, I guess, wrap the realistically, your annual review's due.","start":1827.86,"end":1838.235,"sentiment":"neutral","sentiment_score":0.24366914729277292},{"text":"So I can wrap that all up into one big conversation.","start":1838.9349,"end":1842.1349,"sentiment":"positive","sentiment_score":0.3604341366074302},{"text":"We can do a nice big strategy meeting with the the the three of us and and look at how we can plan.","start":1842.1349,"end":1849.25,"sentiment":"positive","sentiment_score":0.46237080511839496}],"sentiment":"neutral","sentiment_score":0.2690628173095839,"channel":0,"num_words":70,"start":1825.86,"end":1849.25},{"sentences":[{"text":"Not only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything.","start":1849.47,"end":1856.85,"sentiment":"neutral","sentiment_score":0.17769019610502504},{"text":"Talk about","start":1857.55,"end":1858.19,"sentiment":"neutral","sentiment_score":0.040004972368478775}],"sentiment":"neutral","sentiment_score":0.16621642746031284,"channel":0,"num_words":24,"start":1849.47,"end":1858.19},{"sentences":[{"text":"Yeah.","start":1858.2201,"end":1858.7201,"sentiment":"neutral","sentiment_score":0.0964239537715912}],"sentiment":"neutral","sentiment_score":0.0964239537715912,"channel":1,"num_words":1,"start":1858.2201,"end":1858.7201},{"sentences":[{"text":"Okay.","start":1859.23,"end":1859.55,"sentiment":"neutral","sentiment_score":0.14139321446418762},{"text":"We can maybe look at some like, if you wanted to do some investing for the kids, put money away from to them, any other avenues that, you know, we can kinda come up with and just make it a bigger conversation.","start":1859.63,"end":1868.495,"sentiment":"neutral","sentiment_score":0.17330000035109974}],"sentiment":"neutral","sentiment_score":0.17255798207465992,"channel":0,"num_words":43,"start":1859.23,"end":1868.495},{"sentences":[{"text":"Yeah.","start":1869.3151,"end":1869.555,"sentiment":"positive","sentiment_score":0.3963730037212372},{"text":"That's good.","start":1869.555,"end":1870.295,"sentiment":"positive","sentiment_score":0.5898581147193909},{"text":"Because, yeah, looking to open up four accounts for each child and","start":1870.515,"end":1874.775,"sentiment":"neutral","sentiment_score":0.30539362008372944}],"sentiment":"positive","sentiment_score":0.3493875116109848,"channel":1,"num_words":15,"start":1869.3151,"end":1874.775},{"sentences":[{"text":"Okay.","start":1875.675,"end":1876.175,"sentiment":"neutral","sentiment_score":0.24786901473999023}],"sentiment":"neutral","sentiment_score":0.24786901473999023,"channel":0,"num_words":1,"start":1875.675,"end":1876.175},{"sentences":[{"text":"start just putting a bit on the way there, but also refinancing to consolidate all our debt,","start":1875.7151,"end":1882.34,"sentiment":"neutral","sentiment_score":0.27323313320384307}],"sentiment":"neutral","sentiment_score":0.27323313320384307,"channel":1,"num_words":17,"start":1875.7151,"end":1882.34},{"sentences":[{"text":"Okay.","start":1884.07,"end":1884.57,"sentiment":"positive","sentiment_score":0.3513120412826538}],"sentiment":"positive","sentiment_score":0.3513120412826538,"channel":0,"num_words":1,"start":1884.07,"end":1884.57},{"sentences":[{"text":"which ends up working out a little bit better for us.","start":1884.24,"end":1886.72,"sentiment":"positive","sentiment_score":0.4269061169841073},{"text":"But we're also trying to withdraw a little bit more cash out of the house to invest as well.","start":1886.72,"end":1892.24,"sentiment":"neutral","sentiment_score":0.28361305045454127},{"text":"So I'm hoping for an extra extra 40.","start":1892.24,"end":1895.195,"sentiment":"neutral","sentiment_score":0.308444382622838},{"text":"I was just waiting for that settling, whatever.","start":1895.575,"end":1897.4349,"sentiment":"neutral","sentiment_score":0.10857042018324137}],"sentiment":"neutral","sentiment_score":0.29175507973717607,"channel":1,"num_words":46,"start":1884.24,"end":1897.4349},{"sentences":[{"text":"Okay.","start":1897.085,"end":1897.585,"sentiment":"neutral","sentiment_score":0.11991928517818452},{"text":"Okay.","start":1899.6449,"end":1900.1449,"sentiment":"neutral","sentiment_score":0.10535429418087006},{"text":"So I will go down Avenue A and see if I can pull the $8 and","start":1900.6849,"end":1907.5701,"sentiment":"neutral","sentiment_score":0.1406895760446787}],"sentiment":"neutral","sentiment_score":0.13757259978188408,"channel":0,"num_words":18,"start":1897.085,"end":1907.5701},{"sentences":[{"text":"Yep.","start":1907.57,"end":1908.07,"sentiment":"neutral","sentiment_score":0.11002250760793686}],"sentiment":"neutral","sentiment_score":0.11002250760793686,"channel":1,"num_words":1,"start":1907.57,"end":1908.07},{"sentences":[{"text":"and see what that looks like.","start":1907.5701,"end":1908.93,"sentiment":"neutral","sentiment_score":0.1345314309000969},{"text":"I will do a little bit of research this afternoon tomorrow and get you an email tomorrow at the latest and just provide you with, like, a little bit more clarity and, I guess, stop talking while I'm trying to think and actually just stop and think.","start":1908.93,"end":1926.485,"sentiment":"neutral","sentiment_score":0.17263203605692437},{"text":"And then you can hear the cogs turning.","start":1927.665,"end":1931.365,"sentiment":"neutral","sentiment_score":0.12709754798561335},{"text":"And then from there, we can sort of, I guess, still sit down and have that conversation.","start":1931.905,"end":1938.0499,"sentiment":"neutral","sentiment_score":0.16711015385739944},{"text":"Because even if it is just that we're gonna withdraw the money, we can maybe have a meeting about what that what the tax is, whether we wanna go down that avenue.","start":1938.0499,"end":1945.11,"sentiment":"neutral","sentiment_score":0.1129786460660398}],"sentiment":"neutral","sentiment_score":0.1490351268513636,"channel":0,"num_words":110,"start":1907.5701,"end":1945.11},{"sentences":[{"text":"Is that what she wants?","start":1945.8099,"end":1947.0299,"sentiment":"neutral","sentiment_score":0.10247375667095185},{"text":"I can issue I can send the paperwork to you, and we can still have a broader conversation.","start":1947.265,"end":1951.125,"sentiment":"neutral","sentiment_score":0.11451843215359582}],"sentiment":"neutral","sentiment_score":0.11190002443997757,"channel":0,"num_words":23,"start":1945.8099,"end":1951.125},{"sentences":[{"text":"Yep.","start":1951.885,"end":1952.385,"sentiment":"neutral","sentiment_score":0.1969761848449707}],"sentiment":"neutral","sentiment_score":0.1969761848449707,"channel":1,"num_words":1,"start":1951.885,"end":1952.385},{"sentences":[{"text":"Can I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that?","start":1952.705,"end":1960.465,"sentiment":"neutral","sentiment_score":0.2212421871148623},{"text":"Because I can I can literally just book it in now?","start":1960.465,"end":1962.48,"sentiment":"neutral","sentiment_score":0.1810554570772431},{"text":"I was gonna kinda go from there.","start":1963.2,"end":1964.9,"sentiment":"neutral","sentiment_score":0.022226238357169286}],"sentiment":"neutral","sentiment_score":0.17953387639400634,"channel":0,"num_words":44,"start":1952.705,"end":1964.9},{"sentences":[{"text":"Okay.","start":1966.1,"end":1966.6,"sentiment":"neutral","sentiment_score":0.07073162496089935},{"text":"So let's work on next week.","start":1968.98,"end":1971.7,"sentiment":"neutral","sentiment_score":0.04933134838938713},{"text":"Let's see.","start":1971.7,"end":1972.26,"sentiment":"neutral","sentiment_score":0.03522020950913429},{"text":"She's got dance on Thursday.","start":1972.26,"end":1974.6799,"sentiment":"neutral","sentiment_score":-0.020434238528832794},{"text":"Wednesday is no good either.","start":1976.1,"end":1977.745,"sentiment":"negative","sentiment_score":-0.35556102991104127}],"sentiment":"neutral","sentiment_score":-0.07593769515178313,"channel":1,"num_words":19,"start":1966.1,"end":1977.745},{"sentences":[{"text":"That'd be either Monday, Tuesday, or Friday next week.","start":1977.745,"end":1985.205,"sentiment":"neutral","sentiment_score":-0.09359334160884221},{"text":"And then I would have to leave work a little bit early to be home, so sometime after 03:30 if possible.","start":1986.945,"end":1997.21,"sentiment":"neutral","sentiment_score":-0.06941788696816989}],"sentiment":"neutral","sentiment_score":-0.07667052336037158,"channel":1,"num_words":30,"start":1977.745,"end":1997.21},{"sentences":[{"text":"How about I can do you one better?","start":1999.5701,"end":2001.51,"sentiment":"neutral","sentiment_score":-0.018306243931874633},{"text":"Tuesday after 05:00.","start":2002.13,"end":2005.125,"sentiment":"neutral","sentiment_score":-0.005794845211009185}],"sentiment":"neutral","sentiment_score":-0.014894044280729511,"channel":0,"num_words":11,"start":1999.5701,"end":2005.125},{"sentences":[{"text":"Oh my god.","start":2006.155,"end":2006.875,"sentiment":"neutral","sentiment_score":-0.016238071645299595},{"text":"Did you do that?","start":2006.875,"end":2007.855,"sentiment":"neutral","sentiment_score":0.012395411729812622}],"sentiment":"neutral","sentiment_score":0.00012391885476452963,"channel":1,"num_words":7,"start":2006.155,"end":2007.855},{"sentences":[{"text":"Oh, I can do that.","start":2009.205,"end":2010.345,"sentiment":"neutral","sentiment_score":0.11688130199909211}],"sentiment":"neutral","sentiment_score":0.11688130199909211,"channel":0,"num_words":5,"start":2009.205,"end":2010.345},{"sentences":[{"text":"Yeah.","start":2012.715,"end":2013.215,"sentiment":"neutral","sentiment_score":0.11123425513505936},{"text":"Do that.","start":2013.515,"end":2014.255,"sentiment":"neutral","sentiment_score":0.11848267167806625}],"sentiment":"neutral","sentiment_score":0.11606653283039729,"channel":1,"num_words":3,"start":2012.715,"end":2014.255},{"sentences":[{"text":"Yeah.","start":2015.445,"end":2015.925,"sentiment":"neutral","sentiment_score":0.09566669166088104},{"text":"Okay.","start":2015.925,"end":2016.425,"sentiment":"neutral","sentiment_score":0.08621515333652496},{"text":"Do you just want 5PM on the dock, 05:30, give you a little bit of time to put your bag down and make coffee?","start":2016.645,"end":2025.84,"sentiment":"neutral","sentiment_score":0.07037671655416489}],"sentiment":"neutral","sentiment_score":0.0719585785498986,"channel":0,"num_words":26,"start":2015.445,"end":2025.84},{"sentences":[{"text":"No.","start":2026.84,"end":2027.24,"sentiment":"neutral","sentiment_score":-0.04856124520301819},{"text":"That's that's good.","start":2027.24,"end":2029.1,"sentiment":"neutral","sentiment_score":0.2425216188033422}],"sentiment":"neutral","sentiment_score":0.1697509028017521,"channel":1,"num_words":4,"start":2026.84,"end":2029.1},{"sentences":[{"text":"Okay.","start":2030.46,"end":2030.96,"sentiment":"neutral","sentiment_score":0.3098108172416687},{"text":"Alright.","start":2037.375,"end":2037.855,"sentiment":"positive","sentiment_score":0.4848766326904297},{"text":"Perfect.","start":2037.855,"end":2038.355,"sentiment":"positive","sentiment_score":0.6505273580551147},{"text":"I will pop it in my calendar.","start":2038.495,"end":2040.815,"sentiment":"positive","sentiment_score":0.45963938747133526},{"text":"I will send you a meeting and, like, I'll invite you into the calendar invite as well.","start":2040.815,"end":2045.075,"sentiment":"positive","sentiment_score":0.3701547314138973}],"sentiment":"positive","sentiment_score":0.405752627937882,"channel":0,"num_words":27,"start":2030.46,"end":2045.075},{"sentences":[{"text":"Do you wanna do it, like, a Meet meeting and we can have a video conference, or do you wanna just have a phone call?","start":2045.215,"end":2052.73,"sentiment":"neutral","sentiment_score":0.15849659889936446}],"sentiment":"neutral","sentiment_score":0.15849659889936446,"channel":0,"num_words":25,"start":2045.215,"end":2052.73},{"sentences":[{"text":"We can do either.","start":2053.64,"end":2054.52,"sentiment":"neutral","sentiment_score":0.028718187008053064},{"text":"I'm not fast.","start":2054.52,"end":2055.42,"sentiment":"neutral","sentiment_score":-0.21798946460088095},{"text":"I've","start":2055.56,"end":2056.06,"sentiment":"neutral","sentiment_score":0.08547504991292953}],"sentiment":"neutral","sentiment_score":-0.05670257448218763,"channel":1,"num_words":8,"start":2053.64,"end":2056.06},{"sentences":[{"text":"Cool.","start":2056.71,"end":2057.21,"sentiment":"positive","sentiment_score":0.33368176221847534}],"sentiment":"positive","sentiment_score":0.33368176221847534,"channel":0,"num_words":1,"start":2056.71,"end":2057.21},{"sentences":[{"text":"I think I've got the app on my phone.","start":2057.08,"end":2058.86,"sentiment":"neutral","sentiment_score":0.29275967015160453}],"sentiment":"neutral","sentiment_score":0.29275967015160453,"channel":1,"num_words":9,"start":2057.08,"end":2058.86},{"sentences":[{"text":"Yeah.","start":2060.63,"end":2060.8699,"sentiment":"neutral","sentiment_score":0.2419985234737396},{"text":"That's fine.","start":2060.8699,"end":2061.3499,"sentiment":"positive","sentiment_score":0.39899247884750366},{"text":"Cool.","start":2061.3499,"end":2061.67,"sentiment":"neutral","sentiment_score":0.0846891701221466},{"text":"Let's just we'll keep it at Google Meet, face to face and go from there.","start":2061.67,"end":2065.175,"sentiment":"neutral","sentiment_score":0.20703530112902324}],"sentiment":"neutral","sentiment_score":0.22264221938032852,"channel":0,"num_words":19,"start":2060.63,"end":2065.175},{"sentences":[{"text":"Yep.","start":2065.6548,"end":2066.1548,"sentiment":"neutral","sentiment_score":0.2250407636165619}],"sentiment":"neutral","sentiment_score":0.2250407636165619,"channel":1,"num_words":1,"start":2065.6548,"end":2066.1548},{"sentences":[{"text":"Face to name type of thing.","start":2065.955,"end":2067.3352,"sentiment":"neutral","sentiment_score":0.2534685830275218},{"text":"And that way you have it in your calendar.","start":2068.355,"end":2072.455,"sentiment":"neutral","sentiment_score":0.3266437119907803},{"text":"I'll do my research.","start":2072.5151,"end":2073.655,"sentiment":"neutral","sentiment_score":0.3042818084359169},{"text":"We can have a little bit more of a a planning strategy.","start":2073.955,"end":2076.135,"sentiment":"neutral","sentiment_score":0.2730033037563165},{"text":"Loans.","start":2077.395,"end":2077.895,"sentiment":"neutral","sentiment_score":0.03641973435878754}],"sentiment":"neutral","sentiment_score":0.2809434849768877,"channel":0,"num_words":32,"start":2065.955,"end":2077.895},{"sentences":[{"text":"Do you know where the loans currently sit roughly?","start":2078.44,"end":2081.32,"sentiment":"neutral","sentiment_score":0.007993372157216072},{"text":"You don't have to give me exact figures.","start":2081.32,"end":2083.1,"sentiment":"neutral","sentiment_score":-0.01904684134206036}],"sentiment":"neutral","sentiment_score":-0.004731434195384602,"channel":0,"num_words":17,"start":2078.44,"end":2083.1},{"sentences":[{"text":"My loans, like, all of them?","start":2084.3599,"end":2086.125,"sentiment":"neutral","sentiment_score":0.02054020871097843}],"sentiment":"neutral","sentiment_score":0.02054020871097843,"channel":1,"num_words":6,"start":2084.3599,"end":2086.125},{"sentences":[{"text":"Yeah.","start":2087.6401,"end":2088.1401,"sentiment":"neutral","sentiment_score":0.06146509572863579}],"sentiment":"neutral","sentiment_score":0.06146509572863579,"channel":0,"num_words":1,"start":2087.6401,"end":2088.1401},{"sentences":[{"text":"Yep.","start":2088.685,"end":2089.165,"sentiment":"neutral","sentiment_score":0.08703359216451645},{"text":"So main home loan is $2.91.","start":2089.165,"end":2092.065,"sentiment":"neutral","sentiment_score":0.08407102897763252},{"text":"The fixed mortgage, which is now variable now, is $1.68.","start":2108.61,"end":2112.13,"sentiment":"neutral","sentiment_score":0.06877799816429615},{"text":"Okay?","start":2112.13,"end":2112.63,"sentiment":"neutral","sentiment_score":0.053882285952568054},{"text":"So, yeah, that'll be my $4.69.","start":2113.17,"end":2117.245,"sentiment":"neutral","sentiment_score":0.0807813076923291}],"sentiment":"neutral","sentiment_score":0.07574207832415898,"channel":1,"num_words":24,"start":2088.685,"end":2117.245},{"sentences":[{"text":"Yep.","start":2119.845,"end":2120.345,"sentiment":"neutral","sentiment_score":0.05892358347773552}],"sentiment":"neutral","sentiment_score":0.05892358347773552,"channel":0,"num_words":1,"start":2119.845,"end":2120.345},{"sentences":[{"text":"My car loan is currently sitting at 20","start":2121.7852,"end":2124.685,"sentiment":"neutral","sentiment_score":0.0135580082423985}],"sentiment":"neutral","sentiment_score":0.0135580082423985,"channel":1,"num_words":8,"start":2121.7852,"end":2124.685},{"sentences":[{"text":"Regalco.","start":2127.1575,"end":2127.6575,"sentiment":"neutral","sentiment_score":0.01875919848680496}],"sentiment":"neutral","sentiment_score":0.01875919848680496,"channel":0,"num_words":1,"start":2127.1575,"end":2127.6575},{"sentences":[{"text":"k.","start":2128.105,"end":2128.605,"sentiment":"neutral","sentiment_score":0.02893339097499847},{"text":"Got a Zip Pay account that's got 8 k on it.","start":2128.665,"end":2132.0,"sentiment":"neutral","sentiment_score":0.07085547189820897},{"text":"My credit card's got","start":2133.74,"end":2134.7,"sentiment":"neutral","sentiment_score":0.03893356956541538}],"sentiment":"neutral","sentiment_score":0.060254866257309914,"channel":1,"num_words":16,"start":2128.105,"end":2134.7},{"sentences":[{"text":"Yep.","start":2134.47,"end":2134.97,"sentiment":"neutral","sentiment_score":0.03608987480401993}],"sentiment":"neutral","sentiment_score":0.03608987480401993,"channel":0,"num_words":1,"start":2134.47,"end":2134.97},{"sentences":[{"text":"plugs on it.","start":2134.7,"end":2136.08,"sentiment":"neutral","sentiment_score":0.01713421382009983},{"text":"I owe my dad $13.5.","start":2139.18,"end":2141.68,"sentiment":"neutral","sentiment_score":-0.05630873441696167}],"sentiment":"neutral","sentiment_score":-0.028767628828063607,"channel":1,"num_words":8,"start":2134.7,"end":2141.68},{"sentences":[{"text":"Yep.","start":2142.4275,"end":2142.9275,"sentiment":"neutral","sentiment_score":0.07965569943189621}],"sentiment":"neutral","sentiment_score":0.07965569943189621,"channel":0,"num_words":1,"start":2142.4275,"end":2142.9275},{"sentences":[{"text":"And my grandmother, 100 Dale.","start":2145.74,"end":2148.3152,"sentiment":"neutral","sentiment_score":0.10845325067639351}],"sentiment":"neutral","sentiment_score":0.10845325067639351,"channel":1,"num_words":5,"start":2145.74,"end":2148.3152},{"sentences":[{"text":"Oh.","start":2150.385,"end":2150.885,"sentiment":"neutral","sentiment_score":0.1669360250234604},{"text":"I mean, that that that one's fine.","start":2153.985,"end":2156.085,"sentiment":"neutral","sentiment_score":0.2071898537022727},{"text":"Okay.","start":2156.785,"end":2157.285,"sentiment":"neutral","sentiment_score":0.05172509327530861},{"text":"What did can I ask?","start":2157.345,"end":2158.705,"sentiment":"neutral","sentiment_score":-0.01011582836508751},{"text":"What did what did grandma loan money for?","start":2158.705,"end":2161.445,"sentiment":"neutral","sentiment_score":-0.04115044488571584}],"sentiment":"neutral","sentiment_score":0.058600336059250614,"channel":0,"num_words":22,"start":2150.385,"end":2161.445},{"sentences":[{"text":"So she likes to make money off us grandkids and even her kids, so she's actually quite well off.","start":2164.07,"end":2170.41,"sentiment":"neutral","sentiment_score":0.08061235319626958},{"text":"But","start":2171.935,"end":2172.435,"sentiment":"neutral","sentiment_score":0.02555280178785324}],"sentiment":"neutral","sentiment_score":0.07785937562584877,"channel":1,"num_words":20,"start":2164.07,"end":2172.435},{"sentences":[{"text":"Yep.","start":2172.09,"end":2172.59,"sentiment":"neutral","sentiment_score":0.03646647557616234}],"sentiment":"neutral","sentiment_score":0.03646647557616234,"channel":0,"num_words":1,"start":2172.09,"end":2172.59},{"sentences":[{"text":"at the time, I had a deposit up from COVID, but yeah.","start":2173.615,"end":2177.9548,"sentiment":"neutral","sentiment_score":-0.07228004063169162},{"text":"Sorry.","start":2178.575,"end":2178.895,"sentiment":"neutral","sentiment_score":-0.1424494832754135},{"text":"For our house, but COVID hit.","start":2178.895,"end":2180.255,"sentiment":"neutral","sentiment_score":-0.17384736239910126},{"text":"And then, essentially, she said, look.","start":2180.255,"end":2183.07,"sentiment":"neutral","sentiment_score":-0.04044490990539392},{"text":"I'll give you a $100 if you pay me 12% interest per kid, which I said, yes.","start":2183.07,"end":2188.59,"sentiment":"neutral","sentiment_score":0.04735483667429756}],"sentiment":"neutral","sentiment_score":-0.03548884240999108,"channel":1,"num_words":42,"start":2173.615,"end":2188.59},{"sentences":[{"text":"Alright.","start":2188.59,"end":2188.99,"sentiment":"neutral","sentiment_score":0.25555163621902466},{"text":"Cool.","start":2188.99,"end":2189.31,"sentiment":"neutral","sentiment_score":0.32331007719039917},{"text":"So that's the pay the power off anyway to get the home loan covered.","start":2189.31,"end":2192.6902,"sentiment":"neutral","sentiment_score":0.21180149912834167},{"text":"So out of five years, paid a $5 a year to have it.","start":2193.79,"end":2197.31,"sentiment":"neutral","sentiment_score":0.0992218072597797},{"text":"And then, yeah, I thought it'd just be nice to pay you back.","start":2197.31,"end":2202.065,"sentiment":"neutral","sentiment_score":0.14681437554267737}],"sentiment":"neutral","sentiment_score":0.16053697803900355,"channel":1,"num_words":42,"start":2188.59,"end":2202.065},{"sentences":[{"text":"So but I don't have to keep worrying","start":2202.065,"end":2204.705,"sentiment":"neutral","sentiment_score":0.027523512952029705}],"sentiment":"neutral","sentiment_score":0.027523512952029705,"channel":1,"num_words":8,"start":2202.065,"end":2204.705},{"sentences":[{"text":"It's","start":2204.52,"end":2204.76,"sentiment":"neutral","sentiment_score":0.03857967257499695}],"sentiment":"neutral","sentiment_score":0.03857967257499695,"channel":0,"num_words":1,"start":2204.52,"end":2204.76},{"sentences":[{"text":"about","start":2204.705,"end":2204.945,"sentiment":"neutral","sentiment_score":-0.0004320815205574035}],"sentiment":"neutral","sentiment_score":-0.0004320815205574035,"channel":1,"num_words":1,"start":2204.705,"end":2204.945},{"sentences":[{"text":"clear.","start":2204.76,"end":2205.26,"sentiment":"neutral","sentiment_score":0.033439286053180695}],"sentiment":"neutral","sentiment_score":0.033439286053180695,"channel":0,"num_words":1,"start":2204.76,"end":2205.26},{"sentences":[{"text":"paying the $500 every month.","start":2204.945,"end":2207.445,"sentiment":"neutral","sentiment_score":0.0702546089887619}],"sentiment":"neutral","sentiment_score":0.0702546089887619,"channel":1,"num_words":5,"start":2204.945,"end":2207.445},{"sentences":[{"text":"Yeah.","start":2207.355,"end":2207.855,"sentiment":"neutral","sentiment_score":0.256724089384079},{"text":"Yeah.","start":2208.955,"end":2209.2751,"sentiment":"positive","sentiment_score":0.3524819016456604},{"text":"Fair.","start":2209.2751,"end":2209.675,"sentiment":"positive","sentiment_score":0.4893205165863037},{"text":"It just gets gets us in a little bit better in cash flow position.","start":2209.675,"end":2212.655,"sentiment":"positive","sentiment_score":0.5000236119542804},{"text":"Okay.","start":2212.715,"end":2213.215,"sentiment":"neutral","sentiment_score":0.10004444420337676}],"sentiment":"positive","sentiment_score":0.4554945288432969,"channel":0,"num_words":18,"start":2207.355,"end":2213.215},{"sentences":[{"text":"So do we currently have a broker that we're talking to?","start":2213.835,"end":2216.975,"sentiment":"neutral","sentiment_score":0.02544694072143598}],"sentiment":"neutral","sentiment_score":0.02544694072143598,"channel":0,"num_words":11,"start":2213.835,"end":2216.975},{"sentences":[{"text":"Yep.","start":2217.8,"end":2218.12,"sentiment":"neutral","sentiment_score":0.04072791337966919},{"text":"Yes.","start":2218.12,"end":2218.62,"sentiment":"neutral","sentiment_score":0.053129591047763824},{"text":"Currently going down CBA at the moment.","start":2220.28,"end":2224.6948,"sentiment":"neutral","sentiment_score":-0.0036491049187523977},{"text":"So I've been approved for six, six days, but they said if we did wanna wait another week until the letter came with their decision","start":2224.6948,"end":2235.84,"sentiment":"neutral","sentiment_score":0.0982290768623352}],"sentiment":"neutral","sentiment_score":0.0742364909280749,"channel":1,"num_words":34,"start":2217.8,"end":2235.84},{"sentences":[{"text":"Yep.","start":2237.735,"end":2238.235,"sentiment":"neutral","sentiment_score":0.15392343699932098}],"sentiment":"neutral","sentiment_score":0.15392343699932098,"channel":0,"num_words":1,"start":2237.735,"end":2238.235},{"sentences":[{"text":"the so we said yes to that.","start":2238.24,"end":2240.72,"sentiment":"neutral","sentiment_score":0.2367979735136032},{"text":"So, yeah, we're just wanting to to get the tax and AFA.","start":2240.72,"end":2244.9001,"sentiment":"neutral","sentiment_score":0.18907989313205084}],"sentiment":"neutral","sentiment_score":0.20666023853578067,"channel":1,"num_words":19,"start":2238.24,"end":2244.9001},{"sentences":[{"text":"Yep.","start":2246.775,"end":2247.275,"sentiment":"neutral","sentiment_score":0.11251866817474364},{"text":"Okay.","start":2247.415,"end":2247.915,"sentiment":"neutral","sentiment_score":0.08782042562961578},{"text":"Did we go direct to CBA, or did we go through a barcode?","start":2250.1902,"end":2253.09,"sentiment":"neutral","sentiment_score":0.05491376037781055}],"sentiment":"neutral","sentiment_score":0.06094786524772644,"channel":0,"num_words":15,"start":2246.775,"end":2253.09},{"sentences":[{"text":"We went through a broker.","start":2254.1948,"end":2255.4949,"sentiment":"neutral","sentiment_score":0.07687635272741318},{"text":"I was thinking going","start":2255.795,"end":2257.015,"sentiment":"neutral","sentiment_score":0.08640354685485363}],"sentiment":"neutral","sentiment_score":0.08111066122849782,"channel":1,"num_words":9,"start":2254.1948,"end":2257.015},{"sentences":[{"text":"Okay.","start":2256.9102,"end":2257.4102,"sentiment":"neutral","sentiment_score":0.15706902742385864}],"sentiment":"neutral","sentiment_score":0.15706902742385864,"channel":0,"num_words":1,"start":2256.9102,"end":2257.4102},{"sentences":[{"text":"direct, but he's managed to get us a slightly better rate than what they're currently offering on on market.","start":2257.875,"end":2265.4,"sentiment":"neutral","sentiment_score":0.2917391853897195}],"sentiment":"neutral","sentiment_score":0.2917391853897195,"channel":1,"num_words":19,"start":2257.875,"end":2265.4},{"sentences":[{"text":"Yep.","start":2266.865,"end":2267.3452,"sentiment":"neutral","sentiment_score":0.12989705801010132},{"text":"Okay.","start":2267.3452,"end":2267.8452,"sentiment":"neutral","sentiment_score":0.07176549732685089},{"text":"No.","start":2268.225,"end":2268.385,"sentiment":"neutral","sentiment_score":-0.037404995411634445},{"text":"That's okay.","start":2268.385,"end":2269.205,"sentiment":"neutral","sentiment_score":0.05838102474808693},{"text":"Alright.","start":2269.2651,"end":2269.7651,"sentiment":"neutral","sentiment_score":0.12505528330802915}],"sentiment":"neutral","sentiment_score":0.06767914878825347,"channel":0,"num_words":6,"start":2266.865,"end":2269.7651},{"sentences":[{"text":"He's also done Saint George, but they did pick up on my statement.","start":2270.9,"end":2275.4,"sentiment":"neutral","sentiment_score":0.04771300462576059},{"text":"I missed one the home loan payments, but I transferred money into that account, like, two or three days later, but it's been it was, like, still, so but nothing on my","start":2275.78,"end":2286.785,"sentiment":"neutral","sentiment_score":-0.15533505799248815}],"sentiment":"neutral","sentiment_score":-0.09667672879166073,"channel":1,"num_words":45,"start":2270.9,"end":2286.785},{"sentences":[{"text":"Yep.","start":2286.64,"end":2287.035,"sentiment":"neutral","sentiment_score":-0.10020153969526292}],"sentiment":"neutral","sentiment_score":-0.10020153969526292,"channel":0,"num_words":1,"start":2286.64,"end":2287.035},{"sentences":[{"text":"credit score.","start":2286.785,"end":2287.685,"sentiment":"neutral","sentiment_score":-0.0896209143102169}],"sentiment":"neutral","sentiment_score":-0.0896209143102169,"channel":1,"num_words":2,"start":2286.785,"end":2287.685},{"sentences":[{"text":"Yeah.","start":2289.595,"end":2290.095,"sentiment":"neutral","sentiment_score":-0.05605897679924965},{"text":"No.","start":2290.4749,"end":2290.7148,"sentiment":"neutral","sentiment_score":-0.21228355169296265},{"text":"No.","start":2290.7148,"end":2290.875,"sentiment":"neutral","sentiment_score":-0.2736800014972687},{"text":"It it it wouldn't have been like, if you made the payment within, like, pretty quickly, it's fine.","start":2290.875,"end":2296.335,"sentiment":"neutral","sentiment_score":-0.2919532706340154}],"sentiment":"neutral","sentiment_score":-0.2760562572096075,"channel":0,"num_words":21,"start":2289.595,"end":2296.335},{"sentences":[{"text":"Yep.","start":2297.07,"end":2297.57,"sentiment":"neutral","sentiment_score":-0.1102236956357956}],"sentiment":"neutral","sentiment_score":-0.1102236956357956,"channel":1,"num_words":1,"start":2297.07,"end":2297.57},{"sentences":[{"text":"Everyone has a missed payment.","start":2297.4348,"end":2298.7349,"sentiment":"neutral","sentiment_score":-0.28608760237693787},{"text":"Okay.","start":2299.275,"end":2299.775,"sentiment":"neutral","sentiment_score":-0.04273901879787445},{"text":"So alright.","start":2301.75,"end":2303.67,"sentiment":"neutral","sentiment_score":0.03422222658991814},{"text":"So we're currently going down broker route.","start":2303.67,"end":2305.77,"sentiment":"neutral","sentiment_score":0.11678994872740336},{"text":"Looks like we should have enough coverage.","start":2306.15,"end":2307.85,"sentiment":"neutral","sentiment_score":0.19130712960447585}],"sentiment":"neutral","sentiment_score":0.03417940776456486,"channel":0,"num_words":22,"start":2297.4348,"end":2307.85},{"sentences":[{"text":"So if","start":2308.95,"end":2309.75,"sentiment":"neutral","sentiment_score":0.048602182418107986}],"sentiment":"neutral","sentiment_score":0.048602182418107986,"channel":0,"num_words":2,"start":2308.95,"end":2309.75},{"sentences":[{"text":"Yeah.","start":2309.595,"end":2309.755,"sentiment":"neutral","sentiment_score":0.04254096746444702}],"sentiment":"neutral","sentiment_score":0.04254096746444702,"channel":1,"num_words":1,"start":2309.595,"end":2309.755},{"sentences":[{"text":"we're","start":2309.75,"end":2310.23,"sentiment":"neutral","sentiment_score":0.05740169808268547}],"sentiment":"neutral","sentiment_score":0.05740169808268547,"channel":0,"num_words":1,"start":2309.75,"end":2310.23},{"sentences":[{"text":"So total","start":2309.755,"end":2310.4949,"sentiment":"neutral","sentiment_score":0.07343488745391369}],"sentiment":"neutral","sentiment_score":0.07343488745391369,"channel":1,"num_words":2,"start":2309.755,"end":2310.4949},{"sentences":[{"text":"approved for","start":2310.23,"end":2311.29,"sentiment":"neutral","sentiment_score":0.09647241234779358}],"sentiment":"neutral","sentiment_score":0.09647241234779358,"channel":0,"num_words":2,"start":2310.23,"end":2311.29},{"sentences":[{"text":"consolidating is 6","start":2310.9548,"end":2312.1548,"sentiment":"neutral","sentiment_score":0.06314865996440251}],"sentiment":"neutral","sentiment_score":0.06314865996440251,"channel":1,"num_words":3,"start":2310.9548,"end":2312.1548},{"sentences":[{"text":"yeah?","start":2312.15,"end":2312.65,"sentiment":"neutral","sentiment_score":0.035941652953624725}],"sentiment":"neutral","sentiment_score":0.035941652953624725,"channel":0,"num_words":1,"start":2312.15,"end":2312.65},{"sentences":[{"text":"0","start":2312.1548,"end":2312.6548,"sentiment":"neutral","sentiment_score":0.0059276423417031765}],"sentiment":"neutral","sentiment_score":0.0059276423417031765,"channel":1,"num_words":1,"start":2312.1548,"end":2312.6548},{"sentences":[{"text":"Six zero six bowing?","start":2315.75,"end":2316.97,"sentiment":"neutral","sentiment_score":0.0036982926540076733}],"sentiment":"neutral","sentiment_score":0.0036982926540076733,"channel":0,"num_words":4,"start":2315.75,"end":2316.97},{"sentences":[{"text":"6.","start":2318.315,"end":2318.555,"sentiment":"neutral","sentiment_score":0.00999489799141884},{"text":"Yeah.","start":2318.555,"end":2318.9548,"sentiment":"neutral","sentiment_score":0.016304317861795425},{"text":"Well,","start":2318.9548,"end":2319.275,"sentiment":"neutral","sentiment_score":0.0006992919370532036}],"sentiment":"neutral","sentiment_score":0.008999502596755823,"channel":1,"num_words":3,"start":2318.315,"end":2319.275},{"sentences":[{"text":"Did","start":2319.1648,"end":2319.4048,"sentiment":"neutral","sentiment_score":-0.007102448493242264}],"sentiment":"neutral","sentiment_score":-0.007102448493242264,"channel":0,"num_words":1,"start":2319.1648,"end":2319.4048},{"sentences":[{"text":"that","start":2319.275,"end":2319.6748,"sentiment":"neutral","sentiment_score":-0.001933857798576355}],"sentiment":"neutral","sentiment_score":-0.001933857798576355,"channel":1,"num_words":1,"start":2319.275,"end":2319.6748},{"sentences":[{"text":"you say?","start":2319.4048,"end":2319.9849,"sentiment":"neutral","sentiment_score":-0.015903511084616184}],"sentiment":"neutral","sentiment_score":-0.015903511084616184,"channel":0,"num_words":2,"start":2319.4048,"end":2319.9849},{"sentences":[{"text":"that would be the minimum I I owe, yeah, for everyone.","start":2319.6748,"end":2323.69,"sentiment":"neutral","sentiment_score":-0.06690587696026672},{"text":"Well, wrapping everything","start":2327.1099,"end":2328.15,"sentiment":"neutral","sentiment_score":0.013270149007439613}],"sentiment":"neutral","sentiment_score":-0.04972529996718679,"channel":1,"num_words":14,"start":2319.6748,"end":2328.15},{"sentences":[{"text":"Okay.","start":2327.8848,"end":2328.3848,"sentiment":"neutral","sentiment_score":0.02499204128980637}],"sentiment":"neutral","sentiment_score":0.02499204128980637,"channel":0,"num_words":1,"start":2327.8848,"end":2328.3848},{"sentences":[{"text":"up in one one mortgage, essentially.","start":2328.15,"end":2330.25,"sentiment":"neutral","sentiment_score":0.021953949394325416}],"sentiment":"neutral","sentiment_score":0.021953949394325416,"channel":1,"num_words":6,"start":2328.15,"end":2330.25},{"sentences":[{"text":"Yeah.","start":2331.085,"end":2331.585,"sentiment":"neutral","sentiment_score":0.034878820180892944},{"text":"Can I ask, did we have the discussion with the broker about doing alternatives to putting it all on the mortgage?","start":2333.22,"end":2341.32,"sentiment":"neutral","sentiment_score":-0.007419305099617867},{"text":"Like, having a couple of different loans on the mortgage where we just use, like, we put, say, grandma home loan.","start":2342.5,"end":2350.955,"sentiment":"neutral","sentiment_score":0.009710062916080156},{"text":"My biggest concern is and I I like and I I'm again, I'm just kind of without having a look at the proposal, I'm just kind of looking at it.","start":2352.615,"end":2359.98,"sentiment":"neutral","sentiment_score":-0.2684877837697665},{"text":"Grandma's interest rate's really low when it's a family loan, so it's not really like, by the time of it, it's not really an interest rate that's compounding.","start":2360.6199,"end":2368.8,"sentiment":"neutral","sentiment_score":-0.3097435384988785}],"sentiment":"neutral","sentiment_score":-0.16479671145282168,"channel":0,"num_words":101,"start":2331.085,"end":2368.8},{"sentences":[{"text":"And we're","start":2369.82,"end":2370.22,"sentiment":"neutral","sentiment_score":-0.1657722070813179}],"sentiment":"neutral","sentiment_score":-0.1657722070813179,"channel":0,"num_words":2,"start":2369.82,"end":2370.22},{"sentences":[{"text":"No.","start":2370.1848,"end":2370.6848,"sentiment":"neutral","sentiment_score":-0.11787400394678116}],"sentiment":"neutral","sentiment_score":-0.11787400394678116,"channel":1,"num_words":1,"start":2370.1848,"end":2370.6848},{"sentences":[{"text":"gonna go and put a $100 on our home loan that we're then gonna pay off over thirty years at, let's say, a six point something percent interest rate.","start":2370.22,"end":2376.625,"sentiment":"neutral","sentiment_score":0.022485981920155985},{"text":"So over the next thirty years, we're gonna end up compounding that, and it's gonna be much more than we would have paid grandma.","start":2376.925,"end":2383.585,"sentiment":"neutral","sentiment_score":-0.032358830173810325},{"text":"While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan?","start":2383.885,"end":2394.11,"sentiment":"neutral","sentiment_score":-0.05604444667696953},{"text":"I'm gonna be clear.","start":2394.97,"end":2395.69,"sentiment":"neutral","sentiment_score":0.01716550625860691},{"text":"Not a mortgage broker, but have seen it plenty of times where we can structure the loan to have the mortgage two loans consolidated and then have, like, the smaller ZIP credit card, dad, mom, grandma on another loan that is using the equity of the house using the ex like, using the home loan rate, but not over thirty years.","start":2395.69,"end":2418.5,"sentiment":"neutral","sentiment_score":-0.008323918195960463}],"sentiment":"neutral","sentiment_score":-0.016504386059477242,"channel":0,"num_words":153,"start":2370.22,"end":2418.5},{"sentences":[{"text":"Or have it over thirty years to have it on a second account where we smash money into that one.","start":2419.36,"end":2424.1602,"sentiment":"neutral","sentiment_score":-0.035198673605918884},{"text":"Pay minimums on the home loan and smash off the rest of it and have two loans on the house rather than just I'm just concerned about putting all of it into one mortgage and having I mean, dad and grandma, we're not paying interest really.","start":2424.1602,"end":2438.715,"sentiment":"neutral","sentiment_score":-0.16727691888809204},{"text":"If I'm being frank, that's a $113,500 that is currently technically interest free that you're gonna go and put 6% interest for thirty years on.","start":2439.175,"end":2448.9,"sentiment":"neutral","sentiment_score":-0.0841514678299427}],"sentiment":"neutral","sentiment_score":-0.11541207073317779,"channel":0,"num_words":91,"start":2419.36,"end":2448.9},{"sentences":[{"text":"Yeah.","start":2449.6301,"end":2450.1301,"sentiment":"neutral","sentiment_score":-0.00467846542596817},{"text":"So dad's retired.","start":2450.4302,"end":2452.1301,"sentiment":"neutral","sentiment_score":-0.008217227334777514},{"text":"He's like, mommy's son, so he loves me no matter what.","start":2452.35,"end":2456.925,"sentiment":"neutral","sentiment_score":0.05303954062136737},{"text":"But grandma's nicely asked for it back, which is kinda put pressure on dad to, like, hey.","start":2456.925,"end":2461.4849,"sentiment":"neutral","sentiment_score":-0.15849403511075413},{"text":"Can you, like if she wants to she wants to do the same for the other three siblings, but she you also use the money","start":2461.4849,"end":2468.3499,"sentiment":"neutral","sentiment_score":0.004150492995977402}],"sentiment":"neutral","sentiment_score":-0.03572862232594114,"channel":1,"num_words":57,"start":2449.6301,"end":2468.3499},{"sentences":[{"text":"Yep.","start":2468.095,"end":2468.37,"sentiment":"neutral","sentiment_score":-0.006764241959899664}],"sentiment":"neutral","sentiment_score":-0.006764241959899664,"channel":0,"num_words":1,"start":2468.095,"end":2468.37},{"sentences":[{"text":"that currently I'm holding?","start":2468.3499,"end":2470.53,"sentiment":"neutral","sentiment_score":-0.03299406263977289}],"sentiment":"neutral","sentiment_score":-0.03299406263977289,"channel":1,"num_words":4,"start":2468.3499,"end":2470.53},{"sentences":[{"text":"Yeah.","start":2471.8901,"end":2472.2102,"sentiment":"neutral","sentiment_score":-0.0040132515132427216},{"text":"Basically, just pinball the money around, let people get equity in their home, and then throw it back out and handball it again.","start":2472.2102,"end":2478.1301,"sentiment":"neutral","sentiment_score":-0.029372057351081268},{"text":"No.","start":2478.1301,"end":2478.29,"sentiment":"neutral","sentiment_score":-0.14294663071632385},{"text":"I get that from","start":2478.29,"end":2478.9302,"sentiment":"neutral","sentiment_score":-0.12296780943870544}],"sentiment":"neutral","sentiment_score":-0.04532373927790543,"channel":0,"num_words":29,"start":2471.8901,"end":2478.9302},{"sentences":[{"text":"Yeah.","start":2478.83,"end":2479.33,"sentiment":"neutral","sentiment_score":-0.08879736065864563}],"sentiment":"neutral","sentiment_score":-0.08879736065864563,"channel":1,"num_words":1,"start":2478.83,"end":2479.33},{"sentences":[{"text":"her point of view.","start":2478.9302,"end":2479.7302,"sentiment":"neutral","sentiment_score":-0.08116697333753109},{"text":"Okay.","start":2479.7302,"end":2480.2302,"sentiment":"neutral","sentiment_score":-0.014213385060429571},{"text":"So hands tied behind back.","start":2480.53,"end":2482.1501,"sentiment":"neutral","sentiment_score":-0.02466384842991829}],"sentiment":"neutral","sentiment_score":-0.04622005205601454,"channel":0,"num_words":10,"start":2478.9302,"end":2482.1501},{"sentences":[{"text":"Yeah.","start":2482.975,"end":2483.375,"sentiment":"neutral","sentiment_score":0.048257168382406235},{"text":"So I'm open to it.","start":2483.375,"end":2484.975,"sentiment":"neutral","sentiment_score":0.08825822472572327},{"text":"I'm just more so worried about the yeah.","start":2484.975,"end":2491.295,"sentiment":"neutral","sentiment_score":-0.27886372059583664},{"text":"Like, nearly on my feet again, but, like, just would like that steady income flow for a few months, especially going out to Christmas.","start":2491.295,"end":2498.51,"sentiment":"positive","sentiment_score":0.5161561829348406},{"text":"And then after that, I'll be more than happy","start":2498.51,"end":2500.37,"sentiment":"positive","sentiment_score":0.5815432700845931}],"sentiment":"positive","sentiment_score":0.3378782201796136,"channel":1,"num_words":47,"start":2482.975,"end":2500.37},{"sentences":[{"text":"Okay.","start":2502.56,"end":2503.06,"sentiment":"positive","sentiment_score":0.4513530433177948}],"sentiment":"positive","sentiment_score":0.4513530433177948,"channel":0,"num_words":1,"start":2502.56,"end":2503.06},{"sentences":[{"text":"to do that.","start":2502.75,"end":2503.65,"sentiment":"positive","sentiment_score":0.37325577934583026}],"sentiment":"positive","sentiment_score":0.37325577934583026,"channel":1,"num_words":3,"start":2502.75,"end":2503.65},{"sentences":[{"text":"Alright.","start":2504.96,"end":2505.44,"sentiment":"neutral","sentiment_score":0.05492669343948364},{"text":"No.","start":2505.44,"end":2505.5999,"sentiment":"neutral","sentiment_score":-0.0836637020111084}],"sentiment":"neutral","sentiment_score":-0.014368504285812378,"channel":0,"num_words":2,"start":2504.96,"end":2505.5999},{"sentences":[{"text":"So","start":2505.55,"end":2505.71,"sentiment":"neutral","sentiment_score":-0.06351155787706375}],"sentiment":"neutral","sentiment_score":-0.06351155787706375,"channel":1,"num_words":1,"start":2505.55,"end":2505.71},{"sentences":[{"text":"No.","start":2505.5999,"end":2505.76,"sentiment":"neutral","sentiment_score":-0.1265619993209839}],"sentiment":"neutral","sentiment_score":-0.1265619993209839,"channel":0,"num_words":1,"start":2505.5999,"end":2505.76},{"sentences":[{"text":"I'm","start":2505.71,"end":2505.79,"sentiment":"neutral","sentiment_score":-0.11811888217926024}],"sentiment":"neutral","sentiment_score":-0.11811888217926024,"channel":1,"num_words":1,"start":2505.71,"end":2505.79},{"sentences":[{"text":"That","start":2505.76,"end":2505.92,"sentiment":"neutral","sentiment_score":-0.11739232391119005}],"sentiment":"neutral","sentiment_score":-0.11739232391119005,"channel":0,"num_words":1,"start":2505.76,"end":2505.92},{"sentences":[{"text":"thinking","start":2505.79,"end":2506.11,"sentiment":"neutral","sentiment_score":-0.151850163936615}],"sentiment":"neutral","sentiment_score":-0.151850163936615,"channel":1,"num_words":1,"start":2505.79,"end":2506.11},{"sentences":[{"text":"that's","start":2506.0,"end":2506.24,"sentiment":"neutral","sentiment_score":-0.1541411578655243}],"sentiment":"neutral","sentiment_score":-0.1541411578655243,"channel":0,"num_words":1,"start":2506.0,"end":2506.24},{"sentences":[{"text":"like,","start":2506.11,"end":2506.35,"sentiment":"neutral","sentiment_score":-0.15881621837615967}],"sentiment":"neutral","sentiment_score":-0.15881621837615967,"channel":1,"num_words":1,"start":2506.11,"end":2506.35},{"sentences":[{"text":"okay.","start":2506.24,"end":2506.56,"sentiment":"neutral","sentiment_score":-0.1068795770406723}],"sentiment":"neutral","sentiment_score":-0.1068795770406723,"channel":0,"num_words":1,"start":2506.24,"end":2506.56},{"sentences":[{"text":"what","start":2506.35,"end":2506.43,"sentiment":"neutral","sentiment_score":-0.12378818541765212}],"sentiment":"neutral","sentiment_score":-0.12378818541765212,"channel":1,"num_words":1,"start":2506.35,"end":2506.43},{"sentences":[{"text":"I just I mhmm.","start":2506.56,"end":2509.38,"sentiment":"neutral","sentiment_score":-0.09061341732740402}],"sentiment":"neutral","sentiment_score":-0.09061341732740402,"channel":0,"num_words":4,"start":2506.56,"end":2509.38},{"sentences":[{"text":"yeah.","start":2508.91,"end":2509.31,"sentiment":"neutral","sentiment_score":-0.0825883150100708},{"text":"Like,","start":2509.31,"end":2509.47,"sentiment":"neutral","sentiment_score":-0.08685636520385742}],"sentiment":"neutral","sentiment_score":-0.08472234010696411,"channel":1,"num_words":2,"start":2508.91,"end":2509.47},{"sentences":[{"text":"Sorry.","start":2509.455,"end":2509.955,"sentiment":"neutral","sentiment_score":-0.1941441595554352}],"sentiment":"neutral","sentiment_score":-0.1941441595554352,"channel":0,"num_words":1,"start":2509.455,"end":2509.955},{"sentences":[{"text":"how much would I need to smash into that loan to really crunch it down?","start":2509.47,"end":2513.845,"sentiment":"neutral","sentiment_score":-0.27387489974498747}],"sentiment":"neutral","sentiment_score":-0.27387489974498747,"channel":1,"num_words":15,"start":2509.47,"end":2513.845},{"sentences":[{"text":"Yes.","start":2515.935,"end":2516.435,"sentiment":"neutral","sentiment_score":-0.07454828172922134},{"text":"No.","start":2516.655,"end":2516.895,"sentiment":"neutral","sentiment_score":-0.17861732840538025},{"text":"I I don't have an answer.","start":2516.895,"end":2518.2551,"sentiment":"neutral","sentiment_score":-0.19602755705515543},{"text":"I'm I'm just I'm just expressing concern over the specific structuring and not","start":2518.2551,"end":2524.58,"sentiment":"neutral","sentiment_score":-0.17138948578100938}],"sentiment":"neutral","sentiment_score":-0.17416163179136457,"channel":0,"num_words":21,"start":2515.935,"end":2524.58},{"sentences":[{"text":"Oh,","start":2524.4502,"end":2524.6902,"sentiment":"neutral","sentiment_score":-0.12580710649490356}],"sentiment":"neutral","sentiment_score":-0.12580710649490356,"channel":1,"num_words":1,"start":2524.4502,"end":2524.6902},{"sentences":[{"text":"potentially","start":2524.58,"end":2525.06,"sentiment":"neutral","sentiment_score":-0.12933561205863953}],"sentiment":"neutral","sentiment_score":-0.12933561205863953,"channel":0,"num_words":1,"start":2524.58,"end":2525.06},{"sentences":[{"text":"yeah.","start":2524.6902,"end":2525.1902,"sentiment":"neutral","sentiment_score":-0.08485839515924454}],"sentiment":"neutral","sentiment_score":-0.08485839515924454,"channel":1,"num_words":1,"start":2524.6902,"end":2525.1902},{"sentences":[{"text":"looking at don't be wrong.","start":2525.06,"end":2526.9001,"sentiment":"neutral","sentiment_score":-0.09457754194736481},{"text":"Like, it like, what I'm suggesting is a little bit, like, left field, but it's not stupid insane.","start":2526.9001,"end":2533.62,"sentiment":"neutral","sentiment_score":-0.046653701095945306},{"text":"It's just structuring it a little bit differently to save on interest over the long term.","start":2533.62,"end":2538.675,"sentiment":"neutral","sentiment_score":0.021442220429889858},{"text":"So it just depend","start":2538.995,"end":2539.7952,"sentiment":"neutral","sentiment_score":-0.006009151693433523}],"sentiment":"neutral","sentiment_score":-0.023107335101379904,"channel":0,"num_words":43,"start":2525.06,"end":2539.7952},{"sentences":[{"text":"Yeah.","start":2539.575,"end":2540.075,"sentiment":"neutral","sentiment_score":0.008843537420034409}],"sentiment":"neutral","sentiment_score":0.008843537420034409,"channel":1,"num_words":1,"start":2539.575,"end":2540.075},{"sentences":[{"text":"on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before.","start":2539.7952,"end":2546.7751,"sentiment":"neutral","sentiment_score":0.014470591958936142},{"text":"It's, like, structuring loans in different ways to specifically get these kinds of benefit.","start":2546.995,"end":2552.375,"sentiment":"neutral","sentiment_score":0.027820299113435403},{"text":"Because consolidate","start":2553.05,"end":2553.93,"sentiment":"neutral","sentiment_score":0.036802131682634354}],"sentiment":"neutral","sentiment_score":0.020408001692535784,"channel":0,"num_words":39,"start":2539.7952,"end":2553.93},{"sentences":[{"text":"Yep.","start":2553.5898,"end":2554.0898,"sentiment":"neutral","sentiment_score":0.0724261999130249}],"sentiment":"neutral","sentiment_score":0.0724261999130249,"channel":1,"num_words":1,"start":2553.5898,"end":2554.0898},{"sentences":[{"text":"like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off.","start":2554.01,"end":2564.81,"sentiment":"neutral","sentiment_score":0.05999341640140741},{"text":"Granted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you.","start":2564.81,"end":2573.2048,"sentiment":"neutral","sentiment_score":-0.039193861186504364},{"text":"And different","start":2573.6648,"end":2574.305,"sentiment":"neutral","sentiment_score":-0.038291510194540024}],"sentiment":"neutral","sentiment_score":0.012952076223820953,"channel":0,"num_words":59,"start":2554.01,"end":2574.305},{"sentences":[{"text":"Oh, yeah.","start":2574.065,"end":2574.725,"sentiment":"neutral","sentiment_score":-0.04479454830288887}],"sentiment":"neutral","sentiment_score":-0.04479454830288887,"channel":1,"num_words":2,"start":2574.065,"end":2574.725},{"sentences":[{"text":"brokers work in different ways.","start":2574.305,"end":2575.9248,"sentiment":"neutral","sentiment_score":-0.0767585277557373},{"text":"So it could be something that's restricted from us being able to do that right now.","start":2576.4648,"end":2580.645,"sentiment":"neutral","sentiment_score":-0.1634223973378539},{"text":"It it just all depends on circumstance and your broker and what avenues they've looked at.","start":2581.44,"end":2586.42,"sentiment":"neutral","sentiment_score":-0.06424598814919591},{"text":"Because","start":2586.72,"end":2587.22,"sentiment":"neutral","sentiment_score":-0.03296799585223198}],"sentiment":"neutral","sentiment_score":-0.10682775795851883,"channel":0,"num_words":38,"start":2574.305,"end":2587.22},{"sentences":[{"text":"Yep.","start":2587.05,"end":2587.55,"sentiment":"neutral","sentiment_score":-0.0222662091255188}],"sentiment":"neutral","sentiment_score":-0.0222662091255188,"channel":1,"num_words":1,"start":2587.05,"end":2587.55},{"sentences":[{"text":"even in my industry, every adviser is different.","start":2587.52,"end":2589.94,"sentiment":"neutral","sentiment_score":-0.032568619353696704}],"sentiment":"neutral","sentiment_score":-0.032568619353696704,"channel":0,"num_words":8,"start":2587.52,"end":2589.94},{"sentences":[{"text":"But I feel like it's also up to CV as well.","start":2591.6902,"end":2593.77,"sentiment":"neutral","sentiment_score":-0.0146315163848075},{"text":"Like, if we if we can't","start":2593.77,"end":2596.025,"sentiment":"neutral","sentiment_score":-0.08266465179622173}],"sentiment":"neutral","sentiment_score":-0.03864321123589488,"channel":1,"num_words":17,"start":2591.6902,"end":2596.025},{"sentences":[{"text":"Can be.","start":2595.92,"end":2596.4,"sentiment":"neutral","sentiment_score":-0.05342070013284683},{"text":"Yes.","start":2596.4,"end":2596.9,"sentiment":"neutral","sentiment_score":0.01822283491492271}],"sentiment":"neutral","sentiment_score":-0.029539521783590317,"channel":0,"num_words":3,"start":2595.92,"end":2596.9},{"sentences":[{"text":"eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today.","start":2597.2048,"end":2609.0,"sentiment":"neutral","sentiment_score":-0.024515849471120447}],"sentiment":"neutral","sentiment_score":-0.024515849471120447,"channel":1,"num_words":33,"start":2597.2048,"end":2609.0},{"sentences":[{"text":"Yep.","start":2610.935,"end":2611.29,"sentiment":"neutral","sentiment_score":0.0530780553817749}],"sentiment":"neutral","sentiment_score":0.0530780553817749,"channel":0,"num_words":1,"start":2610.935,"end":2611.29},{"sentences":[{"text":"And so","start":2612.34,"end":2613.24,"sentiment":"neutral","sentiment_score":0.046293534338474274}],"sentiment":"neutral","sentiment_score":0.046293534338474274,"channel":1,"num_words":2,"start":2612.34,"end":2613.24},{"sentences":[{"text":"It also depends on","start":2612.8901,"end":2613.93,"sentiment":"neutral","sentiment_score":0.06218580435961485}],"sentiment":"neutral","sentiment_score":0.06218580435961485,"channel":0,"num_words":4,"start":2612.8901,"end":2613.93},{"sentences":[{"text":"yeah.","start":2613.7,"end":2614.2,"sentiment":"neutral","sentiment_score":0.04590677469968796}],"sentiment":"neutral","sentiment_score":0.04590677469968796,"channel":1,"num_words":1,"start":2613.7,"end":2614.2},{"sentences":[{"text":"equity in your house.","start":2613.93,"end":2614.81,"sentiment":"neutral","sentiment_score":0.04580246843397617},{"text":"So, like, what your LVR is.","start":2614.81,"end":2616.67,"sentiment":"neutral","sentiment_score":0.010212879938383898}],"sentiment":"neutral","sentiment_score":0.024448715336620807,"channel":0,"num_words":10,"start":2613.93,"end":2616.67},{"sentences":[{"text":"Oh, we got a shit","start":2617.06,"end":2617.86,"sentiment":"neutral","sentiment_score":-0.00723944753408432}],"sentiment":"neutral","sentiment_score":-0.00723944753408432,"channel":1,"num_words":5,"start":2617.06,"end":2617.86},{"sentences":[{"text":"It","start":2617.77,"end":2618.09,"sentiment":"neutral","sentiment_score":-0.03647559881210327}],"sentiment":"neutral","sentiment_score":-0.03647559881210327,"channel":0,"num_words":1,"start":2617.77,"end":2618.09},{"sentences":[{"text":"ton.","start":2617.86,"end":2618.36,"sentiment":"neutral","sentiment_score":-0.021956320852041245}],"sentiment":"neutral","sentiment_score":-0.021956320852041245,"channel":1,"num_words":1,"start":2617.86,"end":2618.36},{"sentences":[{"text":"it has a so it it it depends on all the variables that are that are sitting there.","start":2618.09,"end":2625.015,"sentiment":"neutral","sentiment_score":-0.016546559209624927},{"text":"But yeah.","start":2626.855,"end":2627.515,"sentiment":"neutral","sentiment_score":0.014429798349738121},{"text":"Look.","start":2627.6548,"end":2628.055,"sentiment":"neutral","sentiment_score":0.023710861802101135},{"text":"I'm I'm I'm literally just spitballing with you ahead of our meeting because","start":2628.055,"end":2632.1548,"sentiment":"neutral","sentiment_score":0.05211244982022505}],"sentiment":"neutral","sentiment_score":0.01271159530562513,"channel":0,"num_words":34,"start":2618.09,"end":2632.1548},{"sentences":[{"text":"Yeah.","start":2631.6748,"end":2632.1748,"sentiment":"neutral","sentiment_score":0.039770834147930145}],"sentiment":"neutral","sentiment_score":0.039770834147930145,"channel":1,"num_words":1,"start":2631.6748,"end":2632.1748},{"sentences":[{"text":"you've now","start":2632.2148,"end":2633.015,"sentiment":"neutral","sentiment_score":0.05312544293701649}],"sentiment":"neutral","sentiment_score":0.05312544293701649,"channel":0,"num_words":2,"start":2632.2148,"end":2633.015},{"sentences":[{"text":"Yep.","start":2632.795,"end":2633.295,"sentiment":"neutral","sentiment_score":0.05640704557299614}],"sentiment":"neutral","sentiment_score":0.05640704557299614,"channel":1,"num_words":1,"start":2632.795,"end":2633.295},{"sentences":[{"text":"got the thoughts flowing.","start":2633.015,"end":2635.515,"sentiment":"neutral","sentiment_score":0.0827130451798439},{"text":"But","start":2636.055,"end":2636.2148,"sentiment":"neutral","sentiment_score":0.03251146152615547}],"sentiment":"neutral","sentiment_score":0.07267272844910622,"channel":0,"num_words":5,"start":2633.015,"end":2636.2148},{"sentences":[{"text":"Yeah.","start":2636.2349,"end":2636.7349,"sentiment":"neutral","sentiment_score":0.028468772768974304}],"sentiment":"neutral","sentiment_score":0.028468772768974304,"channel":1,"num_words":1,"start":2636.2349,"end":2636.7349},{"sentences":[{"text":"look.","start":2636.375,"end":2636.6948,"sentiment":"neutral","sentiment_score":0.0310057420283556},{"text":"I what I might do is I'll just I'll reach out to one of my broker friends and colleagues, and I'll just have a conversation, about whether CBA offer this avenues just as a general, obviously, not disclosing of your personal information,","start":2636.6948,"end":2655.48,"sentiment":"neutral","sentiment_score":0.07178251148157176}],"sentiment":"neutral","sentiment_score":0.07083421451754349,"channel":0,"num_words":43,"start":2636.375,"end":2655.48},{"sentences":[{"text":"Yep.","start":2656.435,"end":2656.935,"sentiment":"neutral","sentiment_score":0.0851530060172081}],"sentiment":"neutral","sentiment_score":0.0851530060172081,"channel":1,"num_words":1,"start":2656.435,"end":2656.935},{"sentences":[{"text":"and just kind of spitball with them to see if it's the avenue it could have.","start":2656.685,"end":2661.345,"sentiment":"neutral","sentiment_score":0.14646491222083569},{"text":"And then we'll meet next Tuesday.","start":2662.445,"end":2664.525,"sentiment":"neutral","sentiment_score":0.14232120662927628},{"text":"I can give you all the information that I've found, everything that I've got that I've got.","start":2664.525,"end":2667.905,"sentiment":"neutral","sentiment_score":0.2915501165039399},{"text":"I'll send the invite, and we can we can just kind of go from there and just see where we land the options that we have available.","start":2668.2,"end":2673.26,"sentiment":"neutral","sentiment_score":0.18731840534342659},{"text":"Cool.","start":2676.68,"end":2677.18,"sentiment":"positive","sentiment_score":0.6671930551528931}],"sentiment":"neutral","sentiment_score":0.20714190769106594,"channel":0,"num_words":67,"start":2656.685,"end":2677.18},{"sentences":[{"text":"Awesome.","start":2677.1902,"end":2677.6902,"sentiment":"positive","sentiment_score":0.7675104737281799}],"sentiment":"positive","sentiment_score":0.7675104737281799,"channel":1,"num_words":1,"start":2677.1902,"end":2677.6902},{"sentences":[{"text":"Perfect.","start":2677.72,"end":2678.1199,"sentiment":"positive","sentiment_score":0.6955268383026123}],"sentiment":"positive","sentiment_score":0.6955268383026123,"channel":0,"num_words":1,"start":2677.72,"end":2678.1199},{"sentences":[{"text":"Well,","start":2678.07,"end":2678.535,"sentiment":"neutral","sentiment_score":0.2971144914627075}],"sentiment":"neutral","sentiment_score":0.2971144914627075,"channel":1,"num_words":1,"start":2678.07,"end":2678.535},{"sentences":[{"text":"Well, I have def definitely choose your ear off for more than you probably intended, but","start":2678.1199,"end":2682.675,"sentiment":"neutral","sentiment_score":0.24057646840810776}],"sentiment":"neutral","sentiment_score":0.24057646840810776,"channel":0,"num_words":16,"start":2678.1199,"end":2682.675},{"sentences":[{"text":"alright.","start":2683.4949,"end":2683.815,"sentiment":"neutral","sentiment_score":0.10248744487762453}],"sentiment":"neutral","sentiment_score":0.10248744487762453,"channel":1,"num_words":1,"start":2683.4949,"end":2683.815},{"sentences":[{"text":"I","start":2683.635,"end":2683.875,"sentiment":"neutral","sentiment_score":0.006030760705471039}],"sentiment":"neutral","sentiment_score":0.006030760705471039,"channel":0,"num_words":1,"start":2683.635,"end":2683.875},{"sentences":[{"text":"That's","start":2683.815,"end":2684.055,"sentiment":"neutral","sentiment_score":-0.028307847678661343}],"sentiment":"neutral","sentiment_score":-0.028307847678661343,"channel":1,"num_words":1,"start":2683.815,"end":2684.055},{"sentences":[{"text":"think we","start":2683.875,"end":2684.195,"sentiment":"neutral","sentiment_score":-0.01143452525138855}],"sentiment":"neutral","sentiment_score":-0.01143452525138855,"channel":0,"num_words":2,"start":2683.875,"end":2684.195},{"sentences":[{"text":"a dry","start":2684.055,"end":2684.375,"sentiment":"neutral","sentiment_score":-0.08793153427541256}],"sentiment":"neutral","sentiment_score":-0.08793153427541256,"channel":1,"num_words":2,"start":2684.055,"end":2684.375},{"sentences":[{"text":"can probably","start":2684.195,"end":2684.7551,"sentiment":"neutral","sentiment_score":-0.11365956813097}],"sentiment":"neutral","sentiment_score":-0.11365956813097,"channel":0,"num_words":2,"start":2684.195,"end":2684.7551},{"sentences":[{"text":"egg block.","start":2684.375,"end":2684.775,"sentiment":"neutral","sentiment_score":-0.06778230890631676}],"sentiment":"neutral","sentiment_score":-0.06778230890631676,"channel":1,"num_words":2,"start":2684.375,"end":2684.775},{"sentences":[{"text":"get","start":2684.7551,"end":2685.155,"sentiment":"neutral","sentiment_score":-0.05595201253890991}],"sentiment":"neutral","sentiment_score":-0.05595201253890991,"channel":0,"num_words":1,"start":2684.7551,"end":2685.155},{"sentences":[{"text":"I wasn't","start":2684.775,"end":2685.1748,"sentiment":"neutral","sentiment_score":-0.12102687358856201}],"sentiment":"neutral","sentiment_score":-0.12102687358856201,"channel":1,"num_words":2,"start":2684.775,"end":2685.1748},{"sentences":[{"text":"a","start":2685.155,"end":2685.235,"sentiment":"neutral","sentiment_score":-0.13567139208316803}],"sentiment":"neutral","sentiment_score":-0.13567139208316803,"channel":0,"num_words":1,"start":2685.155,"end":2685.235},{"sentences":[{"text":"expecting","start":2685.1748,"end":2685.655,"sentiment":"neutral","sentiment_score":-0.15020954608917236}],"sentiment":"neutral","sentiment_score":-0.15020954608917236,"channel":1,"num_words":1,"start":2685.1748,"end":2685.655},{"sentences":[{"text":"pretty decent","start":2685.235,"end":2686.0352,"sentiment":"neutral","sentiment_score":-0.10216013342142105}],"sentiment":"neutral","sentiment_score":-0.10216013342142105,"channel":0,"num_words":2,"start":2685.235,"end":2686.0352},{"sentences":[{"text":"it.","start":2685.655,"end":2686.155,"sentiment":"neutral","sentiment_score":0.04337550699710846}],"sentiment":"neutral","sentiment_score":0.04337550699710846,"channel":1,"num_words":1,"start":2685.655,"end":2686.155},{"sentences":[{"text":"plan going.","start":2686.0352,"end":2686.935,"sentiment":"neutral","sentiment_score":0.07279067859053612},{"text":"Me either, but that's okay.","start":2688.195,"end":2689.735,"sentiment":"neutral","sentiment_score":0.22057919800281525},{"text":"I think we can get a pretty decent plan going ahead.","start":2689.955,"end":2691.875,"sentiment":"positive","sentiment_score":0.7536514401435852},{"text":"I'm actually kind of excited for it.","start":2691.875,"end":2693.815,"sentiment":"positive","sentiment_score":0.8201116238321576},{"text":"So let me get my notes in.","start":2694.0352,"end":2695.155,"sentiment":"positive","sentiment_score":0.4727960910115923}],"sentiment":"positive","sentiment_score":0.5809061622712761,"channel":0,"num_words":32,"start":2686.0352,"end":2695.155},{"sentences":[{"text":"Let me start doing some research happening, and I'll meet with you next Tuesday.","start":2695.155,"end":2699.51,"sentiment":"positive","sentiment_score":0.38345776072570253}],"sentiment":"positive","sentiment_score":0.38345776072570253,"channel":0,"num_words":14,"start":2695.155,"end":2699.51},{"sentences":[{"text":"Fantastic.","start":2700.35,"end":2700.85,"sentiment":"positive","sentiment_score":0.665911078453064},{"text":"No.","start":2700.99,"end":2701.2302,"sentiment":"neutral","sentiment_score":0.25410211086273193},{"text":"Thank you so much for your time.","start":2701.2302,"end":2702.27,"sentiment":"positive","sentiment_score":0.6279399565287999},{"text":"Appreciate it.","start":2702.27,"end":2703.25,"sentiment":"positive","sentiment_score":0.6904193758964539}],"sentiment":"positive","sentiment_score":0.6087665124373003,"channel":1,"num_words":11,"start":2700.35,"end":2703.25},{"sentences":[{"text":"Nope.","start":2703.97,"end":2704.1301,"sentiment":"positive","sentiment_score":0.3801400065422058},{"text":"That's okay, Crystal.","start":2704.1301,"end":2705.09,"sentiment":"positive","sentiment_score":0.5542234182357788},{"text":"Looking forward to it.","start":2705.09,"end":2706.07,"sentiment":"positive","sentiment_score":0.7408234030008316}],"sentiment":"positive","sentiment_score":0.6257629841566086,"channel":0,"num_words":8,"start":2703.97,"end":2706.07},{"sentences":[{"text":"Alright.","start":2706.83,"end":2707.33,"sentiment":"positive","sentiment_score":0.5110489130020142},{"text":"Have a good","start":2707.4702,"end":2707.989,"sentiment":"positive","sentiment_score":0.5821351408958435}],"sentiment":"positive","sentiment_score":0.5643635839223862,"channel":1,"num_words":4,"start":2706.83,"end":2707.989},{"sentences":[{"text":"Bye.","start":2709.97,"end":2710.47,"sentiment":"neutral","sentiment_score":-0.030086897313594815}],"sentiment":"neutral","sentiment_score":-0.030086897313594815,"channel":0,"num_words":1,"start":2709.97,"end":2710.47}]},"summary":{"result":"success","short":"The speaker discusses various financial and legal avenues for transferring funds from a partner to their super account, including a divorce, potential hardships, and a carer's allowance. They suggest joint server accounts or family agreements to manage the transfer and advise providing supporting evidence to qualify under the hardship ruling. The speaker also discusses potential contributions and retirement plans for the customer's account, including setting up automatic transfers and potentially investing in their account. They suggest setting up a strategy planning meeting and discussing investment options, and plan to conduct research and create a plan for the meeting. The customer expresses concern about consolidating their mortgage into a loan and plans to meet with the agent next Tuesday."},"intents":{"segments":[{"text":"There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is July.","start_word":345,"end_word":375,"intents":[{"intent":"Investigate legislative issue","confidence_score":0.014824175}]},{"text":"financial hardship back, yeah, Last month.","start_word":440,"end_word":445,"intents":[{"intent":"Understand financial hardship requirements","confidence_score":0.020786554}]},{"text":"Like, transitioning between jobs? Yes. Okay.","start_word":458,"end_word":463,"intents":[{"intent":"Discuss transitioning between jobs","confidence_score":0.012617528}]},{"text":"So there's there's sort of three avenues I'm kind of spitballing at the moment. If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting.","start_word":516,"end_word":572,"intents":[{"intent":"Explore potential solution for spousal splitting","confidence_score":4.965054e-7}]},{"text":"So theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super. Outside of that, Yeah.","start_word":694,"end_word":740,"intents":[{"intent":"Submit family agreement","confidence_score":0.6955129}]},{"text":"We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible. So just currently got a claim in the last year and this financial year. So I Yep.","start_word":802,"end_word":846,"intents":[{"intent":"Reassessment claim details","confidence_score":0.00021264232}]},{"text":"Realistically, if you can confirm what the payment type is, Yeah.","start_word":987,"end_word":997,"intents":[{"intent":"Confirm payment type","confidence_score":0.27807572}]},{"text":"The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim.","start_word":1366,"end_word":1405,"intents":[{"intent":"Submit claim","confidence_score":0.52414465}]},{"text":"The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim. Yeah.","start_word":1366,"end_word":1406,"intents":[{"intent":"Obtain documentation","confidence_score":0.000521266}]},{"text":"Can you provide confirmation that I am that I do get correct correct support payments? Yes.","start_word":1767,"end_word":1782,"intents":[{"intent":"Verify information","confidence_score":0.000056484707},{"intent":"Request confirmation","confidence_score":0.010587077}]},{"text":"advised her to gonna get her because she was eligible. Yep.","start_word":1917,"end_word":1927,"intents":[{"intent":"Determine eligibility","confidence_score":0.007452208}]},{"text":"It's not looking good if that's the one she's on, because it's a payment that is the eligible component. However, carer's payments income tested and granted your income is yeah. Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff. So, yeah, you would you yeah. She wouldn't be eligible for that. Yeah.","start_word":1954,"end_word":2022,"intents":[{"intent":"Evaluate income eligibility","confidence_score":0.036571108}]},{"text":"Obviously, you have to get approved for the payment first and then just give them a call and have a chat to them. But Yep.","start_word":2533,"end_word":2557,"intents":[{"intent":"Approve payment","confidence_score":0.24331982}]},{"text":"Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else. Yeah.","start_word":2628,"end_word":2689,"intents":[{"intent":"Share funds","confidence_score":0.0007726076}]},{"text":"So you put a thousand dollars in, the government will pay 500. So it's basically $500 of free money. Yeah.","start_word":3153,"end_word":3172,"intents":[{"intent":"Provide personal contribution","confidence_score":0.008777649}]},{"text":"back on your tax. Exactly.","start_word":3215,"end_word":3219,"intents":[{"intent":"Provide tax rebate","confidence_score":0.009269974},{"intent":"Confirm tax rebate","confidence_score":0.01143292}]},{"text":"So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500. Yep.","start_word":3229,"end_word":3267,"intents":[{"intent":"Discuss financial plan","confidence_score":0.0005500819}]},{"text":"I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount. So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa I mean, it's an intriguing thought process. week.","start_word":3601,"end_word":3668,"intents":[{"intent":"Reflect on super fund arrangements","confidence_score":0.000106628875}]},{"text":"time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where Yeah.","start_word":3936,"end_word":3969,"intents":[{"intent":"Discuss spousal splitting","confidence_score":0.07186633}]},{"text":"So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else? Not really.","start_word":4055,"end_word":4090,"intents":[{"intent":"Consider budget","confidence_score":0.03525978}]},{"text":"Not really. Like, I'm mostly thinking long term. Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh.","start_word":4089,"end_word":4112,"intents":[{"intent":"Discuss long-term investments","confidence_score":0.00189343}]},{"text":"By the time we retire, which is funny. Yeah. So if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts. Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something. Well, it would be hers. Like, I'm more than happy for her to have a half decent super account come out of retirement.","start_word":4113,"end_word":4182,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.120602414}]},{"text":"I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting.","start_word":4231,"end_word":4250,"intents":[{"intent":"Schedule strategy meeting","confidence_score":0.008974297}]},{"text":"We can do a nice big strategy meeting with the the the three of us and and look at how we can plan. Not only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything. Talk about Yeah.","start_word":4417,"end_word":4464,"intents":[{"intent":"Plan","confidence_score":0.32277703}]},{"text":"Okay.","start_word":4465,"end_word":4465,"intents":[{"intent":"Discuss","confidence_score":0.00064540503}]},{"text":"Because, yeah, looking to open up four accounts for each child and Okay. start just putting a bit on the way there, but also refinancing to consolidate all our debt, Okay. which ends up working out a little bit better for us. But we're also trying to withdraw a little bit more cash out of the house to invest as well. So I'm hoping for an extra extra 40. I was just waiting for that settling, whatever.","start_word":4511,"end_word":4587,"intents":[{"intent":"Consolidate","confidence_score":0.1372432}]},{"text":"So I will go down Avenue A and see if I can pull the $8 and Yep. and see what that looks like.","start_word":4590,"end_word":4612,"intents":[{"intent":"Pull funds","confidence_score":0.04327515}]},{"text":"Can I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that? Because I can I can literally just book it in now?","start_word":4741,"end_word":4777,"intents":[{"intent":"Schedule meeting","confidence_score":0.5720406}]},{"text":"Do you know where the loans currently sit roughly?","start_word":5012,"end_word":5020,"intents":[{"intent":"Understand mortgage and home loan numbers","confidence_score":8.321141e-7}]},{"text":"at the time, I had a deposit up from COVID, but yeah. Sorry.","start_word":5144,"end_word":5156,"intents":[{"intent":"Inquire about covid-19 impact on cba","confidence_score":0.00018995741}]},{"text":"we're So total approved for consolidating is 6 yeah?","start_word":5472,"end_word":5480,"intents":[{"intent":"Consolidate owes and compare rates","confidence_score":5.0206023e-7}]},{"text":"While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan?","start_word":5671,"end_word":5705,"intents":[{"intent":"Structure a loan","confidence_score":0.033157766}]},{"text":"how much would I need to smash into that loan to really crunch it down?","start_word":6033,"end_word":6047,"intents":[{"intent":"Inquire about the situation","confidence_score":0.0000010575804}]},{"text":"how much would I need to smash into that loan to really crunch it down? Yes. No. I I don't have an answer. I'm I'm just I'm just expressing concern over the specific structuring and not Oh, potentially yeah.","start_word":6033,"end_word":6071,"intents":[{"intent":"Discuss structuring and structuring loan","confidence_score":0.0009031242}]},{"text":"I I don't have an answer. I'm I'm just I'm just expressing concern over the specific structuring and not Oh, potentially yeah.","start_word":6050,"end_word":6071,"intents":[{"intent":"Express concern about personal finances","confidence_score":0.00004066516}]},{"text":"on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before. It's, like, structuring loans in different ways to specifically get these kinds of benefit. Because consolidate Yep.","start_word":6116,"end_word":6155,"intents":[{"intent":"Express concern over interest rates","confidence_score":0.015589865}]},{"text":"like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off. Granted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you. And different Oh, yeah.","start_word":6156,"end_word":6216,"intents":[{"intent":"Consider consolidation options","confidence_score":0.00007739658}]},{"text":"brokers work in different ways. So it could be something that's restricted from us being able to do that right now. It it just all depends on circumstance and your broker and what avenues they've looked at. Because Yep.","start_word":6217,"end_word":6255,"intents":[{"intent":"Seek clarification on broker's options","confidence_score":0.00014080503}]},{"text":"even in my industry, every adviser is different. But I feel like it's also up to CV as well. Like, if we if we can't Can be. Yes. eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today. Yep.","start_word":6256,"end_word":6317,"intents":[{"intent":"Discuss cv's influence on debt reduction","confidence_score":8.611038e-7}]}]},"sentiments":{"segments":[{"text":"Yeah. It's Hey.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.19318073987960815},{"text":"way Oh, that tastes better. better on my line, so perfect.","start_word":3,"end_word":13,"sentiment":"positive","sentiment_score":0.55186527967453},{"text":"Because this is a new call, I do need to let you know. Call's recorded, and sorry to do it to you, but I do need to complete security. There's a there's a a password on file? Yeah. Liliana. Thank you. Okay. So Caden gave me a really brief rundown, but just to recap my knowledge, partner doesn't work, hasn't worked in seven years. We have a baby not intending on returning to work anytime soon, if ever. ATO has claimed super that's been accumulated, and it's now sitting as basically ATO unclaimed funds. Correct. Cool.","start_word":14,"end_word":109,"sentiment":"neutral","sentiment_score":-0.012299811467528343},{"text":"For shit, eleven, nearly twelve years now.","start_word":110,"end_word":116,"sentiment":"negative","sentiment_score":-0.386652559041977},{"text":"So and I promise her she could say I say my mom is wrong as I live. So yeah. No. I love. What?","start_word":117,"end_word":139,"sentiment":"neutral","sentiment_score":-0.14855119585990906},{"text":"Perfection.","start_word":140,"end_word":140,"sentiment":"positive","sentiment_score":0.5775448083877563},{"text":"Man of Mary and Hart. Well, there's a couple of ways it can be done. Can I ask how much money is there? I think it looks $5. So only for a few years that shows a a retail manager. Can you repeat the amount? Sorry. It's roughly between 7 and 8 k from memory. Okay. Alright. Yeah. Yeah. No. That's okay. Cool. Okay. So Just kind of like the the non easiest way, but the the way that I can think of that probably the quickest is technically it's it's not quick. It's not easy, actually. But the one that's coming to mind is realistically, like, a separation of assets. Basically, it it comes down to, like, a divorce agreement where funds are then transferred over from her to you, super wise. It becomes a family law flag with the super fund, and it can be done that way. Alternatively to that, which obviously is a whole heap of paperwork and a whole lot of nonsense, you can do it without obviously paying fees. You can do it by yourself. It's just it's a lot of paperwork that $8 be transferred. That is one of the ways to kinda get around it. There is an avenue I'd have to look into it legislatively because it's been a little bit since I've kind of looked into it in this avenue, but there is July. something that's called sorry. What was that? Oh, sorry. We've just been cutting in and out. Yep. We finally got you. Oh, no. Sorry. Okay. No. Sorry. I was just I saying to your colleague before, I did have June and July off work. Essentially, left my workplace, and it's only until early August. So I had a job, so I could have claimed Yep. financial hardship back, yeah, Last month. Okay. So yep. Okay. So you you were nonworking June, July? Yep. Like, transitioning between jobs? Yes. Okay. So transitioning between jobs doesn't allow you to claim hardship on the super. There's really, really, really specific requirements for it. Yep. Can I ask how much how like, what is your annual income? $1.75. Okay. So you are a high income earner, like, in terms of sort of tax bracket. Okay. So there's there's sort of three avenues I'm kind of spitballing at the moment. If you wanna get the whole amount over into like, if you wanna transfer the whole amount over into your super fund and sort of consolidate that way, we could essentially do what's called, like it's called spousal splitting or spousal contribution splitting. Generally, we can only transfer about 85% of the funds. I need to just investigate it because, obviously, she hasn't contributed anything into the fund. How we can sort of navigate that caveat, Could That that could be an avenue that we could look down. Yeah? is there a way to do a joint, yeah, like you said, just server account? Like, is there a way to add her name to my account and then that sort of counts as her server account? Or is it just individual across the board? It's individual across the board. Damn. Yeah. So, like, in a in a divorce, superannuation can form part of the marital assets and can be utilized to basically transition across. So theoretically speaking, if you wanted to kind of just move all that money across into your super fund, we could kind of do that through basically submission of, like, a family law like, a family agreement from her super to your super. Outside of that, Yeah. like, even an Don't like feel a like even getting a the self no. Like, you don't have to proceed with the actual divorce. It would it's just basically paperwork wise, like, financial planning, but it's still a split headache phones. Yeah. to to go through that. She wouldn't be receiving Centrelink payments, would she? Because your income's too high. No. We actually just got reassessed because she's got care of the layout, and my broker and her family said something's changed in Centrelink, and we might be eligible. So just currently got a claim in the last year and this financial year. So I Yep. think it's actually yeah. She it's not gonna be a lot, but at least it should've been something that's all gone. Okay. Yeah. What what did we put in a claim for under Fintech Link? Family Like, tax a and family b. tax? Okay. And you said she's receiving carer's Alliance payments Yeah. or allowed? Payment. Okay. Yeah. I have to double check that because I know there's two there's a payment and there's a layout. It's a pretty short payment. Correct. Okay. So this this might actually help you. A pay a carer's allowance is about a $114 a fortnight. Carer's payment is 6 something per She's on one fortnight. $1.60 or something. Okay. Might Yeah. might still be the allowance. The the allowance figures increased in March. It's I haven't quite memorized them all yet. Okay. So $1.50. Realistically, if you can confirm what the payment type is, Yeah.","start_word":141,"end_word":997,"sentiment":"neutral","sentiment_score":-0.0339223670076618},{"text":"she may actually be able to withdraw the money under possibly some type of financial hardship, and that'll just remove it from the super environment.","start_word":998,"end_word":1022,"sentiment":"positive","sentiment_score":0.34986916184425354},{"text":"It will no longer exist in the super environment, and, basically, she'll never have the super funds, and the money comes to you guys and as it like, in your bank account.","start_word":1023,"end_word":1054,"sentiment":"neutral","sentiment_score":0.26363620162010193},{"text":"The downside to this is she has to pay tax on that money because currently, the money in super is only paid superannuation tax, which is 15%, she has to Yeah.","start_word":1055,"end_word":1085,"sentiment":"negative","sentiment_score":-0.3971165716648102},{"text":"she'll have How to much pay is up the to it's up to 22% of the amount. okay. Well, I mean, something's better than nothing. So and I'll keep forgetting it. It's it's her. So, yeah, she can find financial hardship Yeah. So, like, essentially, it'd be under $2. You'd still end up walking away with sort of 6 or not. 3 But $5.06. six 2 something. Yeah. Alright. Yeah. So I might I'll go on her ATA, click on financial hardship. What are they gonna ask for? Do you know? So they will ask for confirmation of Centrelink. So first and foremost, what I'd probably do is, as simple as they are, call Centrelink, and I can email you this. It's called q two thirty. It's basically with authority document that stipulates that you are eligible under the superannuation hardship ruling. That Yep. is the first thing that I would do before you even entertain jumping onto the APO. Okay. From there, I would then once you get that, you can then jump onto the APO website and go through the financial hardship clause. They will ask the supporting evidence. That supporting evidence will be unpaid bills, bank statements from her showing no comp no money coming in type of thing. They will Yep. ask for and when I say unpaid bills, you like, you need to show unpaid bills. If if there's invoices for, like like, you know, for example, kids at school or dentist bills or, you know, anything that you guys are needing to do in the near future, and you can go like, receipts of not receipts, but bills for or invoices for, include those. The fact that you were off work for two months, if there's anything that's kind of hanging overhead because of that that you're trying to catch up on, try not to catch up on it until you submit the claim. Yeah. Yeah. I already have. We're we're we're we're caught we're we're caught up. Yeah. Yep. Went Yeah. to That's the the only thing. the Bank of Dad. We do. That's my favorite bank. I don't have one I of those, know. but I I get the concept. Yes. Trying to throw a lot of it too much, but, yeah, it just made us a withdrawal a little Well bit. so under that, would dad be willing to go to a JP, like a justice of the peace, and Yep. sign a statutory declaration state stating that he loaned x amount of money to you guys with the caveat that had to be repaid by Xdate showing a Yeah. debt, Absolutely. and he and, Yep. like, you could you could write like, your partner could write a a stat deck being like, this happened. Like, you know, Christopher lost job. We had all of these bills that were unpaid. We were gonna default on, lose whatever. Tell the story. Don't Yeah. lie. Yeah. Tell the story. Well, I Sign off under a stat deck, and then go to dad and be like, dad loaned us this money. Then dad has the intention of paying it. Blah blah blah. Dad has to Yep. do that one, obviously. Yep. Because because a loan from a from a a friend or family member still counts under the ATO Cool.","start_word":1086,"end_word":1641,"sentiment":"neutral","sentiment_score":-0.03815580440811619},{"text":"That's fantastic.","start_word":1642,"end_word":1643,"sentiment":"positive","sentiment_score":0.6584359407424927},{"text":"That's yeah. claim. Yeah. But that's that's kind of the So way you we could still do it. need that The q only two form? yeah. You still need the q two thirty. Okay. Because you're you're going it's the q 230 is it's not a form. It's it's it's basically a document of approval that you meet Centrelink requirements. It has a really long stupid name, but it's it's in the industry, it's known as a q two thirty. If you call Centrelink and say, hey. We're we're looking for a q two thirty, any of the the administration team are gonna know what you're talking about.","start_word":1644,"end_word":1751,"sentiment":"neutral","sentiment_score":-0.04113889209650181},{"text":"If they don't, they're probably new, and it's just I'm looking to claim financial hardship.","start_word":1752,"end_word":1766,"sentiment":"negative","sentiment_score":-0.34536927938461304},{"text":"Can you provide confirmation that I am that I do get correct correct support payments? Yes. I'm just I'm just trying to look up whether the payments that she's on are approved payments because, basically, Well, say if we got the family tax a and b as well, would that help? Or because I think we got I'm a decision next week whether it's approved or not. cool. Family tax a and b don't. Carers allowance doesn't. It's the carers payment that does because it is an income support payment. Right. So it's gonna come down to whether she gets the carers payment or not. Who Oh, hang can I ask on. who she cares Got for? it on. Elle Eldis has ASD. Yep. So, yeah, she was she actually got Yep. our NDIS Yeah. what do you call them? Like, account manager or whatever it is. They actually Yeah. advised her to gonna get her because she was eligible. Yep. I do have a doc saved statement. No. Not that one. Here we go. Carriage allowance, $16,264.09. Okay. So that's the care's allowance. Yeah. Look.","start_word":1767,"end_word":1952,"sentiment":"neutral","sentiment_score":0.004828581586480141},{"text":"It's not looking good if that's the one she's on, because it's a payment that is the eligible component.","start_word":1953,"end_word":1971,"sentiment":"negative","sentiment_score":-0.4116577208042145},{"text":"However, carer's payments income tested and granted your income is yeah. Your income would remove her from the eligibility because your income your income would basically be about 6,700 per fortnight, which is above the $4 cutoff. So, yeah, you would you yeah. She wouldn't be eligible for that. Yeah. Okay. So we're back down to our other avenues. Are there any other satellite payments that would be eligible? Family tax, carers payment, job seeker, disability support pension, parenting payments. Are we planning on having more kids? No. That was enough. Oh, you want one more with me? Three feet of the back seat. It was that was good enough. Okay. How old's the youngest? She's five months.","start_word":1972,"end_word":2089,"sentiment":"neutral","sentiment_score":-0.07623662054538727},{"text":"Oh, cute. Good. Thank you.","start_word":2090,"end_word":2094,"sentiment":"positive","sentiment_score":0.45180776715278625},{"text":"She's very cute, They are, aren't they? We're sleeping through yet? actually. What was that? Sorry. Is your daughter sleeping through? No. Yeah. I shall sleep in our bed, actually, or in my arms, but, yeah, that's about it.","start_word":2095,"end_word":2133,"sentiment":"neutral","sentiment_score":0.04335997253656387},{"text":"Oh, she she just likes to snuggle.","start_word":2134,"end_word":2140,"sentiment":"positive","sentiment_score":0.4107002913951874},{"text":"That's fair. Yeah. That's it. I mean, our bed is pretty comfy compared to a pretty stiff coat mattress. Absolutely. Okay. Can't So can't blame based on no. You can't blame them at all.","start_word":2141,"end_word":2174,"sentiment":"neutral","sentiment_score":0.1060054525732994},{"text":"Like, honestly, they're adorable.","start_word":2175,"end_word":2178,"sentiment":"positive","sentiment_score":0.427801251411438},{"text":"My youngest is five. I kinda miss the baby days. Anyway, I've just had a quick look, and realistically speaking, yeah. Like, the the money is pretty much locked in. She's not gonna get hardship because her the payments that she received are not eligible for the q 02/30. Look. You can Yep. give it a shot in the dark. It's only a phone call to Centrelink, but if it's the carer's allowance that she's getting, it's not an income support payment, so it doesn't meet requirements.","start_word":2179,"end_word":2265,"sentiment":"neutral","sentiment_score":-0.15071125328540802},{"text":"You earn too much for her to get parenting payment. You earn too much for her to get carers payments, which what is you will only get one of them.","start_word":2266,"end_word":2295,"sentiment":"negative","sentiment_score":-0.3730693658192952},{"text":"You don't ever get both. It's Stanley technical income support? No. It's not. It's not Really? considered income support. Yeah. Not under not under, like, the q two thirty. Yeah. I know. Damn. It's a pay.","start_word":2296,"end_word":2331,"sentiment":"neutral","sentiment_score":-0.1933579295873642},{"text":"I'm still gonna have a shot in the dark.","start_word":2332,"end_word":2340,"sentiment":"negative","sentiment_score":-0.4120098054409027},{"text":"Or I can if we actually get in front of a Centrelink person and just say, hey. Look. We owe my dad money, Yeah. and I'll get that that deck off him Yeah. And so, look, we have this held up. It'd be great to get it if we can fill out a q two thirty form and then have you do something with it. It's the the Yeah.","start_word":2341,"end_word":2409,"sentiment":"neutral","sentiment_score":-0.027242030948400497},{"text":"frustrating part is, like like, when I say it's a q two thirty form, it's not a it's not a form.","start_word":2410,"end_word":2430,"sentiment":"negative","sentiment_score":-0.473951131105423},{"text":"It's a q two thirty letter of approval, basically. Oh, okay. The app Yep. the application for it is literally a phone call saying, hi. Do I meet the requirements for q two thirty? And Okay. the requirements are twenty six weeks of ongoing continuous income support payments, Oh, which yep. if you if you get assessed and they back pay you, that that would basically cover your, like, your your period of time because they'll back pay you, and, basically, it will be as if you had ongoing payments during that period. Yep. But it'll all come down to that assessment. Obviously, you have to get approved for the payment first and then just give them a call and have a chat to them. But Yep.","start_word":2431,"end_word":2557,"sentiment":"neutral","sentiment_score":-0.09802807867527008},{"text":"I'm not exactly hopeful, to be completely honest.","start_word":2558,"end_word":2565,"sentiment":"negative","sentiment_score":-0.5958001017570496},{"text":"I'll Yeah. have a look, and I'll have a bit of a dig and start brainstorming a little bit just to see if there's any other avenues that I can that are not, like, glaringly obvious or, you know, straight up that I can kinda think of that obviously don't go down the let's financially separate and have a cute document. Yep. Other than that, it's SMSF, like a self managed super fund to basically combine the two monies into one, but irrespective, under an SMSF, while it's basically one bank account, there are still still two owners of that, and the operation cost from an SMSF are exuberant and also put all the tax obligations onto you, the monitoring, and everything else. Yeah. And So I'd like to not be with necessarily Hub twenty an four avenue as you wanna well. go. Nah. I like being You can with Hub always twenty stay four. with hub twenty Oh, you can stay with hub twenty four under an SMSF. Like, it's not impossible. okay. Yeah. Let me have a look into it and see if there's a way that I can maybe operate it. Let me let me look into it because I don't think that I'm really I'm racking my head and talking out loud, Yeah. but I can hear let let me look yeah. Let me look into it and see if there's, like, a a weird, wonderful way that we can do it. it. But it's $8, so it's that weird kind of it's a bit of money, but it's not a heap of A massive money. amount. Yeah. It's It not was like there's like a 100 k's in yeah. Yeah.","start_word":2566,"end_word":2850,"sentiment":"neutral","sentiment_score":0.048820813575334715},{"text":"And, like, the frustrating part is as well, the APO holding it, they invested on your behalf and do nothing much there.","start_word":2851,"end_word":2872,"sentiment":"negative","sentiment_score":-0.3915458619594574},{"text":"with it. Can I ask? Would you, like I will look into the other avenue, but would you be interested in possibly boosting the account? We can invest the money.","start_word":2873,"end_word":2902,"sentiment":"neutral","sentiment_score":0.05373697727918625},{"text":"We can boost it and get things happening for retirement for her.","start_word":2903,"end_word":2914,"sentiment":"positive","sentiment_score":0.5077738761901855},{"text":"Because, like, realistically, we're planning on being together long term year and year, what, thirty four? So, you know, we've got thirty years. I'm assuming wife is of the same age. Would you wanna, like, look at possibly doing some stuff in that avenue where you Well, could that contribute was, to the fund?","start_word":2915,"end_word":2968,"sentiment":"neutral","sentiment_score":0.14715492725372314},{"text":"yeah, that was my absolute plan. Being able to open up the Huddl twenty four account for her, and I Mhmm.","start_word":2969,"end_word":2989,"sentiment":"positive","sentiment_score":0.4937138557434082},{"text":"do, like, a a weekly, I don't know, $50,100 dollar top up to keep it going. And then, yeah, transfer that 7 Because or 8 what grand into that. yeah. Because what we could do and, again, I will look at this as option b and look at option a as the first one, like, you know, see if we can get cash out. Yep. Option b is there's two types of contribute well, there's three types of contributions. One the first one doesn't work for her because she's not working, so we're gonna write that off. The two that Yep. remain are personal and spousal. Because she doesn't earn a taxable income, unless there's something you haven't told me about, but because she doesn't earn a taxable income, her and you are out of a higher tax bracket, you you could basically put a thousand dollars in under what's called a personal contribution, and the government will co contribute into the fund. So you put a thousand dollars in, the government will pay 500.","start_word":2990,"end_word":3164,"sentiment":"neutral","sentiment_score":0.08387304097414017},{"text":"So it's basically $500 of free money.","start_word":3165,"end_word":3171,"sentiment":"positive","sentiment_score":0.375609427690506},{"text":"Yeah. K. Avenue number two is you can put up to $3 in per year, and you, as in Christopher, gets a personal tax rebate. So it's it's $3 in. You'll get 18% of that $3, which is $540 That's the tax rebate. back on your tax. Exactly. So it's a tax free Yep. rate there. So, essentially, all in all, you would end up putting in, you know, say, just call it $2.5 into the fund, $3 and then and $3 lands in and an additional thousand and, you know, government pays $500.","start_word":3172,"end_word":3265,"sentiment":"neutral","sentiment_score":0.18294120342173475},{"text":"Yep. So that is an avenue which would see her basically grow her account by $4.5 a year in contributions, and you get that cute little tax rebate on your income, drop down Yep. the tax. Super her super fund pays no tax on that amount because of the avenue that it contributed, Yep. and it's a way to kinda grow the account that way.","start_word":3266,"end_word":3330,"sentiment":"positive","sentiment_score":0.516566812992096},{"text":"It obviously affects cash flow for the family and needs to be considered in that avenue, but that is a possibility that we could go down as well and we could look at how that would work strategically. Well, I'm thinking out loud because, like, my salary goes up every year. So once I hit that Yep. $1, that $1 and $3, is that does it have to be done in the lump sum, or can it be, like, over the year? Like, No. can I do, like, a pretty what do you call it? Pretax. Over the year. Yeah. Can't be pretax. Oh, It's post tax money. You okay. there's there's a couple of ways that we can set it up. We could basically have her account just auto deduct from a bank account each week, fortnight, and a month, whatever cycle you wanna do it on, Yep. and pay it that way. I'd have to look at the spousal contribution because these are two two different contribution types. They have to be they have to be paid in under different reference codes. So it does like, it it it matters how they the money lands, really. But I I can investigate the the specifics of whether I can get that basically withdrawn from your account. The other avenue is you just set up a automatic transfer from your bank account over to, like, the hub pay for bank account or whatever super fund, like, we go with. Yeah. Because I'm thinking, well, I could do the personal, you know, month's not the baby, and then the $3. I'm actually out of the account at work if you put two super funds on the payslip and then, obviously, just give the amount. So, like, whatever my super is per week, and, you know, I can split up into like, majority would go into one super fund and then whatever needs to trickle into the to make birthday grandpa I mean, it's an intriguing thought process. week. I I'm gonna be honest, been in the decades been in the industry for over a decade, haven't had that one posed to me. But let me have a look into it and see whether it's actually a possibility. Because because, like, your employer would have an an has an obligation to ensure that they pay your SG. So your super like, your super guarantee contributions. They have Yep. to make sure that they meet their their legislative obligation. Anything on Oh, top actually, of that? Yeah. yeah. Yeah. No. So 12.5 would have to be solely into wine. So if anything, it's gonna be a salary sacrifice after that, which one I'm okay with. Yes. Yeah. But think about it. Like, the you were in a 100 I I I'm gonna double check. Your $175 income, is that your base salary super on top, or is that inclusive? No. No. That's basically possible. So the 12.5 that you get paid on top of that, that's $218.75. So from that money goes into your super. You actually can split that amount of money, and it gets paid into you can actually transfer that into your wife's super. But it happens after the money's landed in your account. It's called spousal splitting, and up to 70 up to 85 of the contributions in a year can be split and transferred to a spouse's account. But I'm I'm I'm gonna be pretty clear about this. More money makes more money. Your income and the contributions going into your account your account would generally make more sense. The only Yeah. time that I generally look at doing spousal splitting is if I'm very strategically trying to keep a client's account under a specific amount of money, and that's not gonna really be where Yeah. we're at for this kind of avenue. Okay. Alright. Well, I'll be yeah. Because I'll $4,000 probably have you did just you say you get paid done. fortnightly? Yeah. I'm gonna pay fortnightly. So $4,000 a fortnight is a 100 and just call it a $154 a fortnight. That like, for the $4, if you want to put the three plus the one into the like, into your wife's account, it'd be a hun $154 a fortnight that you would transfer over to the super fund. So the the question you need to ask yourself and really look at your budget and do is is this budgetarily going to work for us, or am I now taking from something else? Not really. Like, I'm mostly thinking long term. Like, if I'm doing, say, a 150 or 200 per fortnight, which is affordable over gosh. By the time we retire, which is funny. Yeah. So if we did 60, so there's another thirty years of investment, which, you know, we have two super accounts. Obviously, hers is gonna be a bit as big as one, but, you know, it's gonna be something.","start_word":3331,"end_word":4159,"sentiment":"neutral","sentiment_score":0.045722323580475385},{"text":"Well, it would be hers. Like, I'm more than happy for her to have a half decent super account come out of retirement.","start_word":4160,"end_word":4182,"sentiment":"positive","sentiment_score":0.6025037169456482},{"text":"So Yep. Alright. Well, why don't we yeah. do this? Why don't I organize a time that I can sit down sit down? We can video call. I don't I don't mind. Where I can speak to yourself and I'm sorry. What was your wife's name? Tanika.","start_word":4183,"end_word":4229,"sentiment":"neutral","sentiment_score":0.03829798102378845},{"text":"Perfect.","start_word":4230,"end_word":4230,"sentiment":"positive","sentiment_score":0.4726817011833191},{"text":"I can sit down with yourself and Tamika, and we can maybe have a bit of a strategy planning meeting. I can do a little bit of research we've kinda talked about to see whether there's any other avenues that pop up. We can involve her in the conversation, and we are able to maybe do some joint financial advice planning with the two of you. I can get a little bit more information about her. And, obviously, it's a consent conversation as well, to be honest, because it is technically her money. So I'm legally not allowed to act on your instruction. Yep. It has to be hers. Yep. And but this this conversation's fine because it it's it's general in nature when you're not telling me to go do a thing, and I'm irrespective. I can't Yeah. go do a thing. I need her to sign off on it. But we can realistically go and do some planning, strategizing, and I can kind of, I guess, wrap the realistically, your annual review's due.","start_word":4231,"end_word":4405,"sentiment":"neutral","sentiment_score":0.13083972739321845},{"text":"So I can wrap that all up into one big conversation. We can do a nice big strategy meeting with the the the three of us and and look at how we can plan.","start_word":4406,"end_word":4439,"sentiment":"positive","sentiment_score":0.4318348169326782},{"text":"Not only necessarily for just her super fund and some tax planning and your super fund, but we can look at everything. Talk about Yeah. Okay. We can maybe look at some like, if you wanted to do some investing for the kids, put money away from to them, any other avenues that, you know, we can kinda come up with and just make it a bigger conversation.","start_word":4440,"end_word":4507,"sentiment":"neutral","sentiment_score":0.1676613986492157},{"text":"Yeah. That's good.","start_word":4508,"end_word":4510,"sentiment":"positive","sentiment_score":0.5334532856941223},{"text":"Because, yeah, looking to open up four accounts for each child and Okay. start just putting a bit on the way there, but also refinancing to consolidate all our debt, Okay.","start_word":4511,"end_word":4541,"sentiment":"neutral","sentiment_score":0.2833963632583618},{"text":"which ends up working out a little bit better for us.","start_word":4542,"end_word":4552,"sentiment":"positive","sentiment_score":0.4331574738025666},{"text":"But we're also trying to withdraw a little bit more cash out of the house to invest as well. So I'm hoping for an extra extra 40. I was just waiting for that settling, whatever. Okay. Okay. So I will go down Avenue A and see if I can pull the $8 and Yep. and see what that looks like. I will do a little bit of research this afternoon tomorrow and get you an email tomorrow at the latest and just provide you with, like, a little bit more clarity and, I guess, stop talking while I'm trying to think and actually just stop and think. And then you can hear the cogs turning. And then from there, we can sort of, I guess, still sit down and have that conversation. Because even if it is just that we're gonna withdraw the money, we can maybe have a meeting about what that what the tax is, whether we wanna go down that avenue. Is that what she wants? I can issue I can send the paperwork to you, and we can still have a broader conversation. Yep. Can I ask just, I guess, to get me mentally prepared for said meeting, a, what's the best day that we can sort of schedule that? Because I can I can literally just book it in now? I was gonna kinda go from there. Okay. So let's work on next week. Let's see. She's got dance on Thursday.","start_word":4553,"end_word":4798,"sentiment":"neutral","sentiment_score":0.15424902264664814},{"text":"Wednesday is no good either.","start_word":4799,"end_word":4803,"sentiment":"negative","sentiment_score":-0.34355270862579346},{"text":"That'd be either Monday, Tuesday, or Friday next week. And then I would have to leave work a little bit early to be home, so sometime after 03:30 if possible. How about I can do you one better? Tuesday after 05:00. Oh my god. Did you do that? Oh, I can do that. Yeah. Do that. Yeah. Okay. Do you just want 5PM on the dock, 05:30, give you a little bit of time to put your bag down and make coffee? No. That's that's good. Okay.","start_word":4804,"end_word":4890,"sentiment":"neutral","sentiment_score":0.023255357518792152},{"text":"Alright. Perfect. I will pop it in my calendar. I will send you a meeting and, like, I'll invite you into the calendar invite as well.","start_word":4891,"end_word":4916,"sentiment":"positive","sentiment_score":0.4141049385070801},{"text":"Do you wanna do it, like, a Meet meeting and we can have a video conference, or do you wanna just have a phone call? We can do either. I'm not fast. I've Cool. I think I've got the app on my phone. Yeah.","start_word":4917,"end_word":4960,"sentiment":"neutral","sentiment_score":0.14307676255702972},{"text":"That's fine. Cool.","start_word":4961,"end_word":4963,"sentiment":"positive","sentiment_score":0.4246194660663605},{"text":"Let's just we'll keep it at Google Meet, face to face and go from there. Yep. Face to name type of thing. And that way you have it in your calendar. I'll do my research. We can have a little bit more of a a planning strategy. Loans. Do you know where the loans currently sit roughly? You don't have to give me exact figures. My loans, like, all of them? Yeah. Yep. So main home loan is $2.91. The fixed mortgage, which is now variable now, is $1.68. Okay? So, yeah, that'll be my $4.69. Yep. My car loan is currently sitting at 20 Regalco. k. Got a Zip Pay account that's got 8 k on it. My credit card's got Yep. plugs on it. I owe my dad $13.5. Yep. And my grandmother, 100 Dale. Oh. I mean, that that that one's fine. Okay. What did can I ask? What did what did grandma loan money for? So she likes to make money off us grandkids and even her kids, so she's actually quite well off. But Yep. at the time, I had a deposit up from COVID, but yeah. Sorry. For our house, but COVID hit. And then, essentially, she said, look. I'll give you a $100 if you pay me 12% interest per kid, which I said, yes. Alright. Cool. So that's the pay the power off anyway to get the home loan covered. So out of five years, paid a $5 a year to have it. And then, yeah, I thought it'd just be nice to pay you back. So but I don't have to keep worrying It's about clear. paying the $500 every month. Yeah.","start_word":4964,"end_word":5244,"sentiment":"neutral","sentiment_score":0.08485070616006851},{"text":"Yeah. Fair. It just gets gets us in a little bit better in cash flow position.","start_word":5245,"end_word":5260,"sentiment":"positive","sentiment_score":0.4849417805671692},{"text":"Okay. So do we currently have a broker that we're talking to? Yep. Yes. Currently going down CBA at the moment. So I've been approved for six, six days, but they said if we did wanna wait another week until the letter came with their decision Yep. the so we said yes to that. So, yeah, we're just wanting to to get the tax and AFA. Yep. Okay. Did we go direct to CBA, or did we go through a barcode? We went through a broker. I was thinking going Okay. direct, but he's managed to get us a slightly better rate than what they're currently offering on on market. Yep. Okay. No. That's okay. Alright. He's also done Saint George, but they did pick up on my statement. I missed one the home loan payments, but I transferred money into that account, like, two or three days later, but it's been it was, like, still, so but nothing on my Yep. credit score. Yeah. No. No. It it it wouldn't have been like, if you made the payment within, like, pretty quickly, it's fine. Yep. Everyone has a missed payment. Okay. So alright. So we're currently going down broker route. Looks like we should have enough coverage. So if Yeah. we're So total approved for consolidating is 6 yeah? 0 Six zero six bowing? 6. Yeah. Well, Did that you say? that would be the minimum I I owe, yeah, for everyone. Well, wrapping everything Okay. up in one one mortgage, essentially. Yeah. Can I ask, did we have the discussion with the broker about doing alternatives to putting it all on the mortgage? Like, having a couple of different loans on the mortgage where we just use, like, we put, say, grandma home loan. My biggest concern is and I I like and I I'm again, I'm just kind of without having a look at the proposal, I'm just kind of looking at it. Grandma's interest rate's really low when it's a family loan, so it's not really like, by the time of it, it's not really an interest rate that's compounding. And we're No. gonna go and put a $100 on our home loan that we're then gonna pay off over thirty years at, let's say, a six point something percent interest rate. So over the next thirty years, we're gonna end up compounding that, and it's gonna be much more than we would have paid grandma. While I get that, you know, paying back family and not having that overhead is important, I'm just wondering whether from a cash flow perspective, is there an alternative where we could structure the loan? I'm gonna be clear. Not a mortgage broker, but have seen it plenty of times where we can structure the loan to have the mortgage two loans consolidated and then have, like, the smaller ZIP credit card, dad, mom, grandma on another loan that is using the equity of the house using the ex like, using the home loan rate, but not over thirty years. Or have it over thirty years to have it on a second account where we smash money into that one. Pay minimums on the home loan and smash off the rest of it and have two loans on the house rather than just I'm just concerned about putting all of it into one mortgage and having I mean, dad and grandma, we're not paying interest really. If I'm being frank, that's a $113,500 that is currently technically interest free that you're gonna go and put 6% interest for thirty years on. Yeah. So dad's retired. He's like, mommy's son, so he loves me no matter what. But grandma's nicely asked for it back, which is kinda put pressure on dad to, like, hey. Can you, like if she wants to she wants to do the same for the other three siblings, but she you also use the money Yep. that currently I'm holding? Yeah. Basically, just pinball the money around, let people get equity in their home, and then throw it back out and handball it again. No. I get that from Yeah. her point of view. Okay. So hands tied behind back. Yeah. So I'm open to it. I'm just more so worried about the yeah.","start_word":5261,"end_word":5977,"sentiment":"neutral","sentiment_score":-0.04565156874671641},{"text":"Like, nearly on my feet again, but, like, just would like that steady income flow for a few months, especially going out to Christmas. And then after that, I'll be more than happy Okay. to do that.","start_word":5978,"end_word":6014,"sentiment":"positive","sentiment_score":0.5077837109565735},{"text":"Alright. No. So No. I'm That thinking that's like, okay. what I just I mhmm. yeah. Like, Sorry. how much would I need to smash into that loan to really crunch it down? Yes. No. I I don't have an answer. I'm I'm just I'm just expressing concern over the specific structuring and not Oh, potentially yeah. looking at don't be wrong. Like, it like, what I'm suggesting is a little bit, like, left field, but it's not stupid insane. It's just structuring it a little bit differently to save on interest over the long term. So it just depend Yeah. on interest rates, everything like it's it's not an uncommon thing that I have I've I've worked with mortgage brokers to do before. It's, like, structuring loans in different ways to specifically get these kinds of benefit. Because consolidate Yep. like, one of the things that I love watching people do, heavy on the sarcasm, is, like, you know, consolidating credit cards into houses because sometimes it can be worse off. Granted, sometimes it has to happen, but there are sometimes other ways depending on who your lender is and what avenues you have open to you. And different Oh, yeah. brokers work in different ways. So it could be something that's restricted from us being able to do that right now. It it just all depends on circumstance and your broker and what avenues they've looked at. Because Yep. even in my industry, every adviser is different. But I feel like it's also up to CV as well. Like, if we if we can't Can be. Yes. eliminate debt, yeah, they'll like they I know they definitely because last time we went for the home loan, they wanted us to close basically all on the Q1 accounts locked out today. Yep. And so It also depends on yeah. equity in your house. So, like, what your LVR is. Oh, we got a shit It ton. it has a so it it it depends on all the variables that are that are sitting there. But yeah. Look. I'm I'm I'm literally just spitballing with you ahead of our meeting because Yeah. you've now Yep. got the thoughts flowing. But Yeah. look. I what I might do is I'll just I'll reach out to one of my broker friends and colleagues, and I'll just have a conversation, about whether CBA offer this avenues just as a general, obviously, not disclosing of your personal information, Yep. and just kind of spitball with them to see if it's the avenue it could have. And then we'll meet next Tuesday. I can give you all the information that I've found, everything that I've got that I've got. I'll send the invite, and we can we can just kind of go from there and just see where we land the options that we have available.","start_word":6015,"end_word":6495,"sentiment":"neutral","sentiment_score":0.004763060820573581},{"text":"Cool. Awesome. Perfect.","start_word":6496,"end_word":6498,"sentiment":"positive","sentiment_score":0.7100767493247986},{"text":"Well, Well, I have def definitely choose your ear off for more than you probably intended, but alright. I That's think we a dry can probably egg block. get I wasn't a expecting pretty decent it. plan going. Me either, but that's okay.","start_word":6499,"end_word":6541,"sentiment":"neutral","sentiment_score":0.10388170182704926},{"text":"I think we can get a pretty decent plan going ahead. I'm actually kind of excited for it. So let me get my notes in. Let me start doing some research happening, and I'll meet with you next Tuesday. Fantastic.","start_word":6542,"end_word":6581,"sentiment":"positive","sentiment_score":0.5839173197746277},{"text":"No.","start_word":6582,"end_word":6582,"sentiment":"neutral","sentiment_score":0.25410211086273193},{"text":"Thank you so much for your time. Appreciate it. Nope. That's okay, Crystal. Looking forward to it. Alright. Have a good Bye.","start_word":6583,"end_word":6604,"sentiment":"positive","sentiment_score":0.5939244627952576}],"average":{"sentiment":"neutral","sentiment_score":0.030549199882816656}}}}