{"metadata":{"transaction_key":"deprecated","request_id":"019f3f9f-89b1-74b0-b274-01581d36a789","sha256":"646f0292616b7aef051f1bd8024ff74a999cd2033d01dd199bf0bbef058b1bd8","created":"2026-07-08T02:47:30.328Z","duration":912.52795,"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":3529,"output_tokens":129},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3961,"output_tokens":3969},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3961,"output_tokens":171}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Kelly. It's Tommy here, senior adviser. How have you been? I'm doing absolutely fantastic. Very excited to talk to you today. I've got you booked in to go through your updated plan. Beautiful. So I'm gonna pop this through to your email. Will you be able to look onto the document with me today? Fantastic. And just while I'm sending that through, could I please confirm for security your client password with Oakview? That's the one. Thank you so much. The password prompt we've got is she will remember it. So nice and easy. No way. I love it. I love it. Love it. So that should come through pretty soon. I believe you've already gone through our new system before, so it shouldn't be any spam folders or anything like that. Now, Kelly, when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first. So and can you see that nice beachfront city picture there of the Gold Coast? Sensational. So if you scroll down to page four, we've got scope of advice, which is essentially what this document covers versus what it's not giving advice on, and there should be a nice blue heading there. So one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20. And we've submitted that notice of intent to claim to get that ready for your tax return. So that should come through very shortly. Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a few changes with the government and the economy. So just found a a few things that might be a little bit better for you. And in addition to that, the main thing was the insurances. Just getting that life, TPD, and income protection in place, but not trauma cover because you've got other cash flow priorities. Does that ring a bell? Sensational. If you go onto that next page, we've got estate planning in there just as a reminder for, you know, getting in place a will and a power of attorney, but everything else looks pretty good. And we're not giving any advice on debt management. So you're obviously doing your own renovations and paying off the home. We're just focusing on the super and the insurance today. Perfect. And if you go through, you will have a limited device warning after that. We're not giving advice on everything under the sun. And if you could just quickly check for me, I've got the about you section on page six and seven, which was those updated details that we captured. So we've got your listed sales and marketing manager about a 145. Email and phone number haven't changed. And we've got assets, the main residence, property, the Ford, and a bit of savings in the offset account. Perfect. Now can you just go through a few more pages for me? On nine and ten, we've got your risk profile. So growth, that four out of five on the risk scale, primarily focusing on growth, but, again, we're not going high risk. And if you go through to strategy recommendations on 11, there should be a few headings there underneath named best interest duty. So, basically, on this one, because retirement's a while away, we're not obviously retire sorry. Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations. Now with the portfolio, we found a bit of an underperforming investment in that Benelon option there, and I found some better replacement options there that are a bit more lower fees, bit better performance. So I wanted to just take you through that as well, but I've also factored in those contributions that you did. Now the main thing, if you go on to that table on page 12, it should be quite large, but it's got advantages and disadvantages listed. So the main thing here is with all of these investments that we use, we use a lot of ETFs. So there is brokerage fees to purchase them upfront. It's very small, but once you've got them, they're kind of the lowest fee investments going forward. With a portfolio update, there is a bit of capital gains tax that gets done under the hood. Within super, it's 15% to switch around investments that have grown. So I've factored in a little bit of that in there as well, but there's a huge, huge fee savings here. So if you can go down a couple more pages for me, on 14, you'll see the contributions page. And it just says make your con concessional contributions, claim them. We're using that bring forward rule, which we did factor in. I think you had about 64,000 that you could use when we had that conversation. Perfect. Now if you skip through past there, I just wanna bring your attention to pages sixteen and seventeen. It's a bit of a big table there with codes of investments. Yep. So, basically, this is what I'm updating in terms of that very top row. It lists the BHYB, bank hybrids. Those are actually being phased out by the government as an investment option. So I'm just getting a a bit of a defensive replacement for that one at the bottom. The main one, though, is the middle row with the Benelong that's being replaced with and if you see the second last row, beta shares a 200, which is basically just a low fee passive option, And I'll show you the differences there in a second. Now on pages eighteen and nineteen, this is the fun part for me. You can see a bit of a colored pie chart there for your asset allocation. So the main thing I wanted to point out here is that with growth, you're generally sitting between 80 to 90% growth assets. You're in the middle row, it says growth total in gray. Don't know if you can sort of make out those figures in the tape. Yep. So 80 is the risk profile, 87 is where you were, and just under 85 once we rebalance everything. Pretty well in line, but that's fee comparison on the next page for me. Now top right, that's got the capital gains tax implication factored in for switching the investments, but you can see there the investment fees. We're able to get them below half by switching these investments around. So it goes from two two eight eight to nine five two. They are percentage based, so it changes based on your balance, but that's an estimate based on the date the document was generated. And I factored in the contributions as well as the premiums for that new insurance cover as well. The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there. Okay. So we'll kinda offset the premiums a little bit, and I've given you an updated projection on the next page, which with a grain of salt somewhere between 1 to 400,000 extra over the next five and ten years if the markets continue to go the way they have been. K? Performance, it just brings it all up back into double digits across all time frames. Do you have any questions on the super side so far? Perfect. So, basically, new investments, extra contributions, huge impact there. And the main one that I wanted to walk you through is just for this insurance policy on the next page. We've gone for tau. So when you did that pre assessment with Caden, we called around and tried to see who would offer you the best outcome in terms of price, quality, and medical, and tau came out the best across all three. So this is essentially a million dollars worth of life and disability cover, income protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and five year benefit period as well. Cool? Now the only tweak for this one, there's two little things. So because of the, like, the blood pressure and the cholesterol, they've got a bit of a loading on the life cover, which has just bumped the premiums up a little bit, but it still came out very, very good. And the only other thing was with the family history of the cardiomyopathy, they've got a a bit of a precautionary exclusion on there for that particular heart condition. Now what that basically means, Kelly, is they actually did say that they can remove it after 50. So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away. K? So all I've done here is I've just said, with your existing, it may seem a bit strange, but that little bit of life cover and income protection you've got with Hub, I'm recommending that you just keep that in place in the time being because it will protect you in those events until that exclusion can be removed. K? So it's an extra couple of $100 for the year. Once that's done, we can get that canceled. Perfect. I've just included the comparison at the bottom of page 50 sorry, 22 just so you can see all the providers that we looked at and the estimate of the loadings and exclusions there. Cool. Any questions so far? Cool. With the new life policy, we do need to put in place, obviously, a beneficiary for who receives that life insurance. We basically send the forms through. If you need any help, just call through, and Michelle and the team can walk you through it pretty easily. Do you want us to post them out with a return envelope, or are you okay to kind of print them off an email? Cool. As long as you get that wet signs with a couple of witnesses, just because it's is that the oh, no. Yeah. So that one, is that a Hub 241? Oh, wow. Just needs to be a witness. Yeah. So that'd be good. I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones. So I don't want you to send that off if it's too old and then they decline it. I don't know, Kelly. Amazing. Okay. That might what be out of date. I have seen that come across the last few months. So just in case, I will send a hub and a TAO one together. Perfect. Alrighty. Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and 22% ongoing to manage, like, claims advice and things like that. So if you get injured, we'll help you through the claims process, help make the money last, all that kind of thing. So that's disclosed at the bottom there just underneath with the advice fees that we're getting through the super. Cool. With this document, so, basically, if you're happy with the plan, we sign the authority to proceed on this document. There's also an appendix in there, which is just background research, a quote for the insurer, and just a couple of product documents as well. So PDFs and the like. Those total close to 2,000 pages. So when it comes to the Odoo system, you don't have to scroll through the whole lot. You can pretty much just click next document once you get through each one, and it will skip ahead. Okay. Just gonna double check this quote here, make sure that's all current. I believe it is. The next step from here, we pretty much have a lot of information you've already given us from that pre assessment, and we've got the quotes and everything. Can I get you booked in to go through the application with the the implementation team? Cool. I'll bring up their calendar. Is there a good day and time next week potentially? Absolutely. I will just bring up the phone. Perfect. And I'll just quickly double check. Do I need to worry about daylight savings? No. New South Wales, no daylight savings. Perfect. So just after twelve on Thursday, the twenty third. Yep. Perfect. So I usually set aside an hour for that. It doesn't usually take that long. It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour. Perfect. Alright, Kelly. Any questions for me on any of the advice or additional documents at this point? Cool. Alrighty. Well, that is nice and easy. I've got all of that ready for you to to sign. Got you booked in on 12:00 or just after on the twenty third. We'll get the beneficiaries sent out to you. Basically, I guess, the way is do the application. As soon as the policy is ready to go, we'll send all the documents out to the email. And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly. Amazing. Well, if there's no yep. Yeah. If you're comfortable with it, but definitely have a read through if you wanna make sure beforehand. And any questions, just give us a buzz, but I will leave that one with you. Awesome, Kelly. Have a fantastic week, and we'll talk to you on the twenty third. Thank you. Bye.","confidence":0.99902344,"words":[{"word":"good","start":2.32,"end":2.56,"confidence":0.9980469,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.19367444515228271},{"word":"afternoon","start":2.56,"end":3.04,"confidence":0.99560547,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.24326926469802856},{"word":"kelly","start":3.04,"end":3.1999998,"confidence":0.99365234,"punctuated_word":"Kelly.","sentiment":"neutral","sentiment_score":0.21638330817222595},{"word":"it's","start":3.1999998,"end":3.52,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.190334290266037},{"word":"tommy","start":3.52,"end":3.76,"confidence":0.9819336,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.13096857070922852},{"word":"here","start":3.76,"end":4.0,"confidence":0.95874023,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.13346096873283386},{"word":"senior","start":4.0,"end":4.3199997,"confidence":0.98291016,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.13688600063323977},{"word":"adviser","start":4.3199997,"end":4.8199997,"confidence":0.55670166,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":0.11111855506896973},{"word":"how","start":5.12,"end":5.3599997,"confidence":0.9135742,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.13328763842582703},{"word":"have","start":5.3599997,"end":5.44,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14396832883358002},{"word":"you","start":5.44,"end":5.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11898335814476012},{"word":"been","start":5.6,"end":6.1,"confidence":1.0,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.12144340574741364},{"word":"i'm","start":7.6,"end":7.8399997,"confidence":0.8601074,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7892564535140991},{"word":"doing","start":7.8399997,"end":8.24,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.8435701131820679},{"word":"absolutely","start":8.24,"end":8.74,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.8607286214828491},{"word":"fantastic","start":8.88,"end":9.38,"confidence":0.9812012,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.8817829489707947},{"word":"very","start":9.5199995,"end":9.84,"confidence":0.99902344,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.8928590416908264},{"word":"excited","start":9.84,"end":10.24,"confidence":1.0,"punctuated_word":"excited","sentiment":"positive","sentiment_score":0.9292641282081604},{"word":"to","start":10.24,"end":10.48,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8930244445800781},{"word":"talk","start":10.48,"end":10.719999,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.9096556305885316},{"word":"to","start":10.719999,"end":10.8,"confidence":0.6767578,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8701741695404053},{"word":"you","start":10.8,"end":10.96,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8086746335029602},{"word":"today","start":10.96,"end":11.46,"confidence":1.0,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.8126662969589233},{"word":"i've","start":11.679999,"end":11.92,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.37016355991363525},{"word":"got","start":11.92,"end":12.08,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31294459104537964},{"word":"you","start":12.08,"end":12.32,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2194667607545853},{"word":"booked","start":12.32,"end":12.559999,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.2957456409931183},{"word":"in","start":12.559999,"end":12.799999,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2785584628582001},{"word":"to","start":12.799999,"end":12.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24130843579769137},{"word":"go","start":12.88,"end":13.12,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3068276643753052},{"word":"through","start":13.12,"end":13.36,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.38700634241104126},{"word":"your","start":13.36,"end":13.5199995,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3692794144153595},{"word":"updated","start":13.5199995,"end":14.0,"confidence":1.0,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.4186931252479553},{"word":"plan","start":14.0,"end":14.5,"confidence":0.9980469,"punctuated_word":"plan.","sentiment":"positive","sentiment_score":0.34893572330474854},{"word":"beautiful","start":16.484999,"end":16.965,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6880522966384888},{"word":"so","start":16.965,"end":17.205,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2402953505516052},{"word":"i'm","start":17.205,"end":17.445,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2634458541870117},{"word":"gonna","start":17.445,"end":17.765,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.23095160722732544},{"word":"pop","start":17.765,"end":17.925,"confidence":0.99902344,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.2166411280632019},{"word":"this","start":17.925,"end":18.164999,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17289166152477264},{"word":"through","start":18.164999,"end":18.484999,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20851187407970428},{"word":"to","start":18.484999,"end":18.724998,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2132374793291092},{"word":"your","start":18.724998,"end":18.965,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16039223968982697},{"word":"email","start":18.965,"end":19.365,"confidence":0.9995117,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.18653595447540283},{"word":"will","start":19.365,"end":19.605,"confidence":0.9941406,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.0661783218383789},{"word":"you","start":19.605,"end":19.765,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09324370324611664},{"word":"be","start":19.765,"end":19.845,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09650958329439165},{"word":"able","start":19.845,"end":20.005,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1177535280585289},{"word":"to","start":20.005,"end":20.085,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1327100694179535},{"word":"look","start":20.085,"end":20.164999,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1487157791852951},{"word":"onto","start":20.164999,"end":20.404999,"confidence":0.7089844,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.18205562233924863},{"word":"the","start":20.404999,"end":20.564999,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1664542257785797},{"word":"document","start":20.564999,"end":20.965,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.19567453861236572},{"word":"with","start":20.965,"end":21.125,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0968722552061081},{"word":"me","start":21.125,"end":21.285,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17219102382659912},{"word":"today","start":21.285,"end":21.785,"confidence":0.9980469,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.11744724214076996},{"word":"fantastic","start":23.445,"end":23.925,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5270059704780579},{"word":"and","start":23.925,"end":24.085,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09842780232429504},{"word":"just","start":24.085,"end":24.404999,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07049787044525146},{"word":"while","start":24.404999,"end":24.904999,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.07363240420818329},{"word":"i'm","start":25.204998,"end":25.445,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09386339783668518},{"word":"sending","start":25.445,"end":25.845,"confidence":1.0,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.06582360714673996},{"word":"that","start":25.845,"end":26.164999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0768606960773468},{"word":"through","start":26.164999,"end":26.664999,"confidence":0.9995117,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.04506876319646835},{"word":"could","start":27.19,"end":27.43,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.06099926680326462},{"word":"i","start":27.43,"end":27.67,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05922802537679672},{"word":"please","start":27.67,"end":27.990002,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.06291861832141876},{"word":"confirm","start":27.990002,"end":28.390001,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.0744856521487236},{"word":"for","start":28.390001,"end":28.630001,"confidence":0.83984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04287122189998627},{"word":"security","start":28.630001,"end":29.130001,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.03019984625279903},{"word":"your","start":29.35,"end":29.67,"confidence":0.9526367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08216818422079086},{"word":"client","start":29.67,"end":30.070002,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.130082905292511},{"word":"password","start":30.070002,"end":30.470001,"confidence":0.99902344,"punctuated_word":"password","sentiment":"neutral","sentiment_score":0.0939590185880661},{"word":"with","start":30.470001,"end":30.710001,"confidence":0.9790039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05948491767048836},{"word":"oakview","start":30.710001,"end":31.210001,"confidence":0.83658856,"punctuated_word":"Oakview?","sentiment":"neutral","sentiment_score":0.0790289118885994},{"word":"that's","start":34.31,"end":34.71,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10955139249563216},{"word":"the","start":34.71,"end":34.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0949157252907753},{"word":"one","start":34.79,"end":35.27,"confidence":0.99609375,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.11003559082746506},{"word":"thank","start":35.27,"end":35.59,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5045469403266907},{"word":"you","start":35.59,"end":35.75,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5689982175827026},{"word":"so","start":35.75,"end":35.99,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.62055903673172},{"word":"much","start":35.99,"end":36.49,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.5210768580436707},{"word":"the","start":36.95,"end":37.11,"confidence":0.7133789,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20159779489040375},{"word":"password","start":37.11,"end":37.510002,"confidence":1.0,"punctuated_word":"password","sentiment":"neutral","sentiment_score":0.2537320852279663},{"word":"prompt","start":37.510002,"end":37.75,"confidence":0.9921875,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.2720162570476532},{"word":"we've","start":37.75,"end":37.99,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2030981034040451},{"word":"got","start":37.99,"end":38.15,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17619368433952332},{"word":"is","start":38.15,"end":38.47,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12607650458812714},{"word":"she","start":38.47,"end":38.63,"confidence":0.80078125,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.20680218935012817},{"word":"will","start":38.63,"end":38.870003,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20557977259159088},{"word":"remember","start":38.870003,"end":39.27,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.30563127994537354},{"word":"it","start":39.27,"end":39.75,"confidence":0.88500977,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.20326577126979828},{"word":"so","start":39.75,"end":40.25,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6346185207366943},{"word":"nice","start":40.63,"end":40.870003,"confidence":0.9086914,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6283290386199951},{"word":"and","start":40.870003,"end":41.03,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5138393044471741},{"word":"easy","start":41.03,"end":41.53,"confidence":1.0,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.4936554431915283},{"word":"no","start":44.864998,"end":45.105,"confidence":0.9892578,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.08775050938129425},{"word":"way","start":45.105,"end":45.605,"confidence":0.9926758,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.02809869684278965},{"word":"i","start":45.745,"end":45.985,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6911710500717163},{"word":"love","start":45.985,"end":46.145,"confidence":1.0,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8007796406745911},{"word":"it","start":46.145,"end":46.645,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.7253633737564087},{"word":"i","start":46.785,"end":47.024998,"confidence":0.99121094,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6983374953269958},{"word":"love","start":47.024998,"end":47.184998,"confidence":0.99902344,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8184986114501953},{"word":"it","start":47.184998,"end":47.265,"confidence":0.97436523,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.7375920414924622},{"word":"love","start":47.265,"end":47.504997,"confidence":0.62158203,"punctuated_word":"Love","sentiment":"positive","sentiment_score":0.740607500076294},{"word":"it","start":47.504997,"end":48.004997,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6351267099380493},{"word":"so","start":48.225,"end":48.465,"confidence":0.8540039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3101992905139923},{"word":"that","start":48.465,"end":48.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3321550786495209},{"word":"should","start":48.625,"end":48.864998,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.41770750284194946},{"word":"come","start":48.864998,"end":49.105,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.30402329564094543},{"word":"through","start":49.105,"end":49.425,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.27713289856910706},{"word":"pretty","start":49.425,"end":49.745,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.24004969000816345},{"word":"soon","start":49.745,"end":50.245,"confidence":0.9802246,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.28361275792121887},{"word":"i","start":50.545,"end":50.704998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0651841014623642},{"word":"believe","start":50.704998,"end":51.024998,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.0341026708483696},{"word":"you've","start":51.024998,"end":51.265,"confidence":0.9692383,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07583065330982208},{"word":"already","start":51.265,"end":51.504997,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.13367676734924316},{"word":"gone","start":51.504997,"end":51.745,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.09275420010089874},{"word":"through","start":51.745,"end":51.905,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09332776814699172},{"word":"our","start":51.905,"end":52.065,"confidence":0.9589844,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0943700149655342},{"word":"new","start":52.065,"end":52.225,"confidence":0.9980469,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1685352921485901},{"word":"system","start":52.225,"end":52.464996,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.1486264169216156},{"word":"before","start":52.464996,"end":52.785,"confidence":0.96875,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.10351038724184036},{"word":"so","start":52.785,"end":52.945,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07584331929683685},{"word":"it","start":52.945,"end":53.105,"confidence":0.9633789,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13437126576900482},{"word":"shouldn't","start":53.105,"end":53.425,"confidence":1.0,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":0.05846792459487915},{"word":"be","start":53.425,"end":53.585,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0349515862762928},{"word":"any","start":53.585,"end":53.824997,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.017619609832763672},{"word":"spam","start":53.824997,"end":54.144997,"confidence":0.99902344,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":-0.01958596706390381},{"word":"folders","start":54.144997,"end":54.545,"confidence":0.98095703,"punctuated_word":"folders","sentiment":"neutral","sentiment_score":-0.05262608081102371},{"word":"or","start":54.545,"end":54.704998,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0388113409280777},{"word":"anything","start":54.704998,"end":55.105,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.02635178342461586},{"word":"like","start":55.105,"end":55.265,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02928214520215988},{"word":"that","start":55.265,"end":55.71,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.023353446274995804},{"word":"now","start":57.39,"end":57.629997,"confidence":0.96728516,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.03470372408628464},{"word":"kelly","start":57.629997,"end":58.129997,"confidence":0.98535156,"punctuated_word":"Kelly,","sentiment":"neutral","sentiment_score":0.04136370122432709},{"word":"when","start":58.35,"end":58.51,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03218104690313339},{"word":"you've","start":58.51,"end":58.75,"confidence":0.88256836,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04855380579829216},{"word":"got","start":58.75,"end":58.91,"confidence":0.94140625,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06584026664495468},{"word":"that","start":58.91,"end":59.07,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06208209320902824},{"word":"document","start":59.07,"end":59.55,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.04799748957157135},{"word":"up","start":59.55,"end":59.949997,"confidence":0.99853516,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.05344190448522568},{"word":"if","start":59.949997,"end":60.11,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04709133878350258},{"word":"you","start":60.11,"end":60.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05226849019527435},{"word":"could","start":60.27,"end":60.59,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.05210279673337936},{"word":"hit","start":60.59,"end":60.91,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.0570121593773365},{"word":"that","start":60.91,"end":61.149998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06478212028741837},{"word":"little","start":61.149998,"end":61.469997,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08190318942070007},{"word":"purple","start":61.469997,"end":61.949997,"confidence":1.0,"punctuated_word":"purple","sentiment":"neutral","sentiment_score":0.04958182200789451},{"word":"sign","start":61.949997,"end":62.449997,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03505656495690346},{"word":"button","start":62.51,"end":62.91,"confidence":0.99560547,"punctuated_word":"button,","sentiment":"neutral","sentiment_score":0.0564190074801445},{"word":"what","start":62.91,"end":63.149998,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07480061799287796},{"word":"it's","start":63.149998,"end":63.309998,"confidence":0.9399414,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07278209924697876},{"word":"gonna","start":63.309998,"end":63.629997,"confidence":0.9716797,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0925510823726654},{"word":"do","start":63.629997,"end":63.87,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11088165640830994},{"word":"is","start":63.87,"end":64.19,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0855698511004448},{"word":"open","start":64.19,"end":64.43,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.0921761319041252},{"word":"up","start":64.43,"end":64.59,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0811600536108017},{"word":"the","start":64.59,"end":64.75,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08705657720565796},{"word":"documents","start":64.75,"end":65.229996,"confidence":0.97509766,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.04834216833114624},{"word":"for","start":65.229996,"end":65.39,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10075081884860992},{"word":"you","start":65.39,"end":65.71,"confidence":0.8364258,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.08493112027645111},{"word":"and","start":65.71,"end":65.95,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06720013916492462},{"word":"we're","start":65.95,"end":66.11,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.100211463868618},{"word":"just","start":66.11,"end":66.19,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10915927588939668},{"word":"gonna","start":66.19,"end":66.51,"confidence":0.9892578,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10469939559698103},{"word":"have","start":66.51,"end":66.67,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11635056138038637},{"word":"a","start":66.67,"end":66.75,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08738187700510025},{"word":"little","start":66.75,"end":66.99,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07920321822166443},{"word":"scroll","start":66.99,"end":67.31,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.07827483117580414},{"word":"through","start":67.31,"end":67.47,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07965445518493652},{"word":"them","start":67.47,"end":67.71,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.08480654656887054},{"word":"together","start":67.71,"end":68.11,"confidence":0.86083984,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.06329019367694855},{"word":"make","start":68.11,"end":68.27,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04896944761276245},{"word":"sure","start":68.27,"end":68.43,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06034393608570099},{"word":"you're","start":68.43,"end":68.75,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.060304127633571625},{"word":"comfortable","start":68.75,"end":69.25,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.047392018139362335},{"word":"with","start":69.55,"end":69.79,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07027210295200348},{"word":"what","start":69.79,"end":69.869995,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0916500836610794},{"word":"we've","start":69.869995,"end":70.11,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.09877300262451172},{"word":"come","start":70.11,"end":70.35,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.09406045824289322},{"word":"up","start":70.35,"end":70.509995,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06602412462234497},{"word":"with","start":70.509995,"end":70.75,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04940817505121231},{"word":"first","start":70.75,"end":71.25,"confidence":0.9970703,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":0.0396500751376152},{"word":"so","start":73.385,"end":73.785,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029657093808054924},{"word":"and","start":73.865005,"end":74.105,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03217824548482895},{"word":"can","start":74.105,"end":74.265,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0373714305460453},{"word":"you","start":74.265,"end":74.425,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04268163442611694},{"word":"see","start":74.425,"end":74.665,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05190162733197212},{"word":"that","start":74.665,"end":74.825005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07026519626379013},{"word":"nice","start":74.825005,"end":75.145004,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.07579578459262848},{"word":"beachfront","start":75.145004,"end":75.625,"confidence":0.9499512,"punctuated_word":"beachfront","sentiment":"neutral","sentiment_score":0.05659901350736618},{"word":"city","start":75.625,"end":76.125,"confidence":0.99902344,"punctuated_word":"city","sentiment":"neutral","sentiment_score":0.062027186155319214},{"word":"picture","start":76.345,"end":76.665,"confidence":0.99902344,"punctuated_word":"picture","sentiment":"neutral","sentiment_score":0.08079686015844345},{"word":"there","start":76.665,"end":76.905,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06434692442417145},{"word":"of","start":76.905,"end":76.985,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04735444858670235},{"word":"the","start":76.985,"end":77.145004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.036354780197143555},{"word":"gold","start":77.145004,"end":77.385,"confidence":0.96240234,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.043193571269512177},{"word":"coast","start":77.385,"end":77.865005,"confidence":0.9880371,"punctuated_word":"Coast?","sentiment":"neutral","sentiment_score":0.0375140979886055},{"word":"sensational","start":77.865005,"end":78.365005,"confidence":0.9967448,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.06053714826703072},{"word":"so","start":79.065,"end":79.305,"confidence":0.96777344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019430015236139297},{"word":"if","start":79.305,"end":79.385,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.010780327953398228},{"word":"you","start":79.385,"end":79.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01645905338227749},{"word":"scroll","start":79.545,"end":79.865005,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.021292122080922127},{"word":"down","start":79.865005,"end":80.105,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02411353401839733},{"word":"to","start":80.105,"end":80.505005,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01140083558857441},{"word":"page","start":80.505005,"end":80.745,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.01179596781730652},{"word":"four","start":80.745,"end":81.245,"confidence":1.0,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.00520139466971159},{"word":"we've","start":81.305,"end":81.625,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.011088739149272442},{"word":"got","start":81.625,"end":82.025,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.01868560165166855},{"word":"scope","start":82.025,"end":82.345,"confidence":0.99902344,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.0038338452577590942},{"word":"of","start":82.345,"end":82.505005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002570357173681259},{"word":"advice","start":82.505005,"end":82.905,"confidence":0.9765625,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.010244440287351608},{"word":"which","start":82.905,"end":83.145004,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0074424147605896},{"word":"is","start":83.145004,"end":83.225006,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00363992340862751},{"word":"essentially","start":83.225006,"end":83.725006,"confidence":0.99121094,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.004040949046611786},{"word":"what","start":83.785,"end":83.945,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.003012498840689659},{"word":"this","start":83.945,"end":84.345,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.00014651194214820862},{"word":"document","start":84.345,"end":84.845,"confidence":0.98535156,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.01101040095090866},{"word":"covers","start":85.065,"end":85.565,"confidence":1.0,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.00028502754867076874},{"word":"versus","start":85.840004,"end":86.0,"confidence":1.0,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":-0.012759275734424593},{"word":"what","start":86.0,"end":86.16,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04130364209413528},{"word":"it's","start":86.16,"end":86.48,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0382370762526989},{"word":"not","start":86.48,"end":86.72,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03610862419009209},{"word":"giving","start":86.72,"end":87.12,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.018826745450496674},{"word":"advice","start":87.12,"end":87.52,"confidence":0.98535156,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.025517191737890244},{"word":"on","start":87.52,"end":87.92,"confidence":0.79589844,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.013050395995378494},{"word":"and","start":87.92,"end":88.16,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005125051364302635},{"word":"there","start":88.16,"end":88.32,"confidence":0.9291992,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02884571999311447},{"word":"should","start":88.32,"end":88.48,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0736968070268631},{"word":"be","start":88.48,"end":88.56,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0492774173617363},{"word":"a","start":88.56,"end":88.64,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04562094807624817},{"word":"nice","start":88.64,"end":88.88,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.06610780954360962},{"word":"blue","start":88.88,"end":89.2,"confidence":0.9970703,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.0444038063287735},{"word":"heading","start":89.2,"end":89.44,"confidence":1.0,"punctuated_word":"heading","sentiment":"neutral","sentiment_score":0.03464479744434357},{"word":"there","start":89.44,"end":89.94,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03397702798247337},{"word":"so","start":90.4,"end":90.9,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024601733312010765},{"word":"one","start":91.28,"end":91.44,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.012589585036039352},{"word":"of","start":91.44,"end":91.52,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010479994118213654},{"word":"the","start":91.52,"end":91.6,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022576475515961647},{"word":"things","start":91.6,"end":91.76,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.024870330467820168},{"word":"that","start":91.76,"end":91.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009180985391139984},{"word":"we","start":91.92,"end":92.16,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01755443401634693},{"word":"spoke","start":92.16,"end":92.4,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.00801078975200653},{"word":"about","start":92.4,"end":92.72,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.011564312502741814},{"word":"was","start":92.72,"end":93.04,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.014225369319319723},{"word":"the","start":93.04,"end":93.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020077046006917953},{"word":"contributions","start":93.36,"end":93.86,"confidence":0.96240234,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.014631278812885284},{"word":"which","start":94.48,"end":94.98,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.00873558409512043},{"word":"i","start":95.04,"end":95.2,"confidence":0.9248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010113323107361794},{"word":"believe","start":95.2,"end":95.6,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.00977969542145729},{"word":"we","start":95.6,"end":95.84,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.002715073525905609},{"word":"were","start":95.84,"end":96.32,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0125645212829113},{"word":"starting","start":96.32,"end":96.72,"confidence":0.99902344,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.0071841757744550705},{"word":"off","start":96.72,"end":96.8,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0021251440048217773},{"word":"with","start":96.8,"end":97.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.002233412116765976},{"word":"about","start":97.04,"end":97.28,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00004365295171737671},{"word":"12,000","start":97.28,"end":97.84,"confidence":0.9890137,"punctuated_word":"12,000,","sentiment":"neutral","sentiment_score":0.00819619931280613},{"word":"but","start":97.84,"end":98.08,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0050931666046381},{"word":"you","start":98.08,"end":98.16,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022908441722393036},{"word":"ended","start":98.16,"end":98.4,"confidence":0.99902344,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":-0.02101309783756733},{"word":"up","start":98.4,"end":98.56,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.035643842071294785},{"word":"putting","start":98.56,"end":98.88,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.01137000136077404},{"word":"in","start":98.88,"end":99.04,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010064374655485151},{"word":"about","start":99.04,"end":99.44,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01342860609292984},{"word":"20","start":99.44,"end":99.94,"confidence":0.8078613,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":-0.003124951384961605},{"word":"and","start":100.205,"end":100.365,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011639246717095377},{"word":"we've","start":100.365,"end":100.605,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.02272317185997963},{"word":"submitted","start":100.605,"end":101.105,"confidence":1.0,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":0.0154629684984684},{"word":"that","start":101.325,"end":101.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024755626916885376},{"word":"notice","start":101.965,"end":102.285,"confidence":0.8276367,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.02886147238314152},{"word":"of","start":102.285,"end":102.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029085464775562286},{"word":"intent","start":102.525,"end":102.925,"confidence":0.99902344,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.021096721291542053},{"word":"to","start":102.925,"end":103.005,"confidence":0.9472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04161786288022995},{"word":"claim","start":103.005,"end":103.505,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.03445469215512276},{"word":"to","start":103.725,"end":103.885,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036631807684898376},{"word":"get","start":103.885,"end":104.125,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02610478363931179},{"word":"that","start":104.125,"end":104.445,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07263245433568954},{"word":"ready","start":104.445,"end":104.845,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.08343292772769928},{"word":"for","start":104.845,"end":105.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09882353246212006},{"word":"your","start":105.005,"end":105.245,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07373513281345367},{"word":"tax","start":105.245,"end":105.645,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09941796958446504},{"word":"return","start":105.645,"end":106.125,"confidence":0.83154297,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.057627201080322266},{"word":"so","start":106.125,"end":106.285,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06594642996788025},{"word":"that","start":106.285,"end":106.445,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11960296332836153},{"word":"should","start":106.445,"end":106.605,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.17135567963123322},{"word":"come","start":106.605,"end":106.845,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.19218164682388303},{"word":"through","start":106.845,"end":107.085,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2006026804447174},{"word":"very","start":107.085,"end":107.325,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.19104015827178955},{"word":"shortly","start":107.325,"end":107.825,"confidence":0.9995117,"punctuated_word":"shortly.","sentiment":"neutral","sentiment_score":0.2335743010044098},{"word":"now","start":109.405,"end":109.645,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19312502443790436},{"word":"in","start":109.645,"end":109.805,"confidence":0.96533203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15770240128040314},{"word":"addition","start":109.805,"end":110.125,"confidence":1.0,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":0.06552495062351227},{"word":"to","start":110.125,"end":110.285,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11125338077545166},{"word":"that","start":110.285,"end":110.445,"confidence":1.0,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1186760514974594},{"word":"i","start":110.445,"end":110.604996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29675760865211487},{"word":"did","start":110.604996,"end":110.845,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.326332151889801},{"word":"find","start":110.845,"end":111.085,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.25554990768432617},{"word":"an","start":111.085,"end":111.165,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2451509535312653},{"word":"opportunity","start":111.165,"end":111.665,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.2359977513551712},{"word":"just","start":111.805,"end":112.045,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24473844468593595},{"word":"to","start":112.045,"end":112.205,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21365845203399655},{"word":"tweak","start":112.205,"end":112.445,"confidence":1.0,"punctuated_word":"tweak","sentiment":"neutral","sentiment_score":0.22074636816978457},{"word":"a","start":112.445,"end":112.604996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23158904910087583},{"word":"few","start":112.604996,"end":112.765,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1852194368839264},{"word":"things","start":112.765,"end":113.245,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.23983284831047055},{"word":"in","start":113.245,"end":113.405,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1599059700965881},{"word":"your","start":113.405,"end":113.725,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18811267614364624},{"word":"portfolio","start":113.725,"end":114.225,"confidence":0.9838867,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.11673063039779664},{"word":"which","start":114.83,"end":115.23,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13644316792488098},{"word":"there's","start":115.23,"end":115.47,"confidence":0.6569824,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10270707309246065},{"word":"been","start":115.47,"end":115.63,"confidence":0.80908203,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.08703063428401947},{"word":"a","start":115.63,"end":115.71,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08972055464982986},{"word":"few","start":115.71,"end":115.95,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.0094432532787323},{"word":"changes","start":115.95,"end":116.27,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.001954972743988037},{"word":"with","start":116.27,"end":116.43,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.014982633292675018},{"word":"the","start":116.43,"end":116.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017052561044692993},{"word":"government","start":116.59,"end":116.91,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.01638106256723404},{"word":"and","start":116.91,"end":117.07,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04027625173330307},{"word":"the","start":117.07,"end":117.31,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020288199186325073},{"word":"economy","start":117.31,"end":117.79,"confidence":0.77441406,"punctuated_word":"economy.","sentiment":"neutral","sentiment_score":0.061568327248096466},{"word":"so","start":117.79,"end":118.29,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24883535504341123},{"word":"just","start":118.51,"end":118.75,"confidence":0.7817383,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31505313515663147},{"word":"found","start":118.75,"end":118.99,"confidence":0.9951172,"punctuated_word":"found","sentiment":"positive","sentiment_score":0.3454727828502655},{"word":"a","start":118.99,"end":119.15,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28359848260879517},{"word":"a","start":119.15,"end":119.23,"confidence":0.58496094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2548370957374573},{"word":"few","start":119.23,"end":119.47,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.2730747163295746},{"word":"things","start":119.47,"end":119.71,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3332504630088806},{"word":"that","start":119.71,"end":119.87,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37191298604011536},{"word":"might","start":119.87,"end":120.03,"confidence":1.0,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.3484077453613281},{"word":"be","start":120.03,"end":120.19,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3108486533164978},{"word":"a","start":120.19,"end":120.27,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29088038206100464},{"word":"little","start":120.27,"end":120.43,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1359073668718338},{"word":"bit","start":120.43,"end":120.59,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11786976456642152},{"word":"better","start":120.59,"end":120.83,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.18263202905654907},{"word":"for","start":120.83,"end":120.99,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3405214846134186},{"word":"you","start":120.99,"end":121.49,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.33410710096359253},{"word":"and","start":121.55,"end":121.71,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12814927101135254},{"word":"in","start":121.71,"end":121.95,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12190058082342148},{"word":"addition","start":121.95,"end":122.35,"confidence":1.0,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":0.05523369088768959},{"word":"to","start":122.35,"end":122.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0956813395023346},{"word":"that","start":122.51,"end":123.01,"confidence":1.0,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.088346928358078},{"word":"the","start":123.15,"end":123.31,"confidence":0.52197266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12895970046520233},{"word":"main","start":123.31,"end":123.55,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1347617655992508},{"word":"thing","start":123.55,"end":123.71,"confidence":0.9902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1476525068283081},{"word":"was","start":123.71,"end":123.95,"confidence":0.96972656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12228866666555405},{"word":"the","start":123.95,"end":124.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14239639043807983},{"word":"insurances","start":124.03,"end":124.53,"confidence":0.9041341,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.11592292040586472},{"word":"just","start":125.07,"end":125.31,"confidence":0.9980469,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.12458360195159912},{"word":"getting","start":125.31,"end":125.55,"confidence":0.99609375,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.17929938435554504},{"word":"that","start":125.55,"end":125.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17394979298114777},{"word":"life","start":125.79,"end":126.11,"confidence":0.6702881,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.13632696866989136},{"word":"tpd","start":126.11,"end":126.59,"confidence":0.7952474,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.14324164390563965},{"word":"and","start":126.59,"end":126.67,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1403733491897583},{"word":"income","start":126.67,"end":126.99,"confidence":0.9921875,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14527064561843872},{"word":"protection","start":126.99,"end":127.47,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.09612175077199936},{"word":"in","start":127.47,"end":127.63,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16162285208702087},{"word":"place","start":127.63,"end":128.13,"confidence":0.9399414,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.16072602570056915},{"word":"but","start":128.27,"end":128.59,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0717669129371643},{"word":"not","start":128.59,"end":128.985,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.006167784333229065},{"word":"trauma","start":129.065,"end":129.465,"confidence":0.9980469,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.2696959376335144},{"word":"cover","start":129.465,"end":129.705,"confidence":0.99121094,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.022946208715438843},{"word":"because","start":129.705,"end":129.945,"confidence":0.9550781,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.030504167079925537},{"word":"you've","start":129.945,"end":130.185,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11087801307439804},{"word":"got","start":130.185,"end":130.345,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.129826620221138},{"word":"other","start":130.345,"end":130.585,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06304995715618134},{"word":"cash","start":130.585,"end":130.825,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.0771213248372078},{"word":"flow","start":130.825,"end":131.145,"confidence":0.97265625,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.2017993927001953},{"word":"priorities","start":131.145,"end":131.645,"confidence":0.9975586,"punctuated_word":"priorities.","sentiment":"neutral","sentiment_score":0.08974501490592957},{"word":"does","start":131.785,"end":131.945,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07881507277488708},{"word":"that","start":131.945,"end":132.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11441907286643982},{"word":"ring","start":132.105,"end":132.265,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.07417340576648712},{"word":"a","start":132.265,"end":132.345,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06643055379390717},{"word":"bell","start":132.345,"end":132.845,"confidence":0.9995117,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.05618007481098175},{"word":"sensational","start":133.945,"end":134.445,"confidence":0.9954427,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":-0.023922234773635864},{"word":"if","start":134.665,"end":134.825,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0408170223236084},{"word":"you","start":134.825,"end":134.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026525050401687626},{"word":"go","start":134.905,"end":135.065,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08021257817745209},{"word":"onto","start":135.065,"end":135.305,"confidence":0.46411133,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.0578584298491478},{"word":"that","start":135.305,"end":135.465,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08993425965309143},{"word":"next","start":135.465,"end":135.705,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06494159996509552},{"word":"page","start":135.705,"end":136.025,"confidence":0.9692383,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.0656333863735199},{"word":"we've","start":136.025,"end":136.265,"confidence":0.9970703,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0989963710308075},{"word":"got","start":136.265,"end":136.585,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11406367272138596},{"word":"estate","start":136.585,"end":136.905,"confidence":0.52685547,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.08637754619121552},{"word":"planning","start":136.905,"end":137.305,"confidence":0.5317383,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.12040939927101137},{"word":"in","start":137.305,"end":137.385,"confidence":0.65478516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10240038484334946},{"word":"there","start":137.385,"end":137.625,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12238962203264236},{"word":"just","start":137.625,"end":137.865,"confidence":0.9326172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05405718088150024},{"word":"as","start":137.865,"end":138.025,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05217146873474121},{"word":"a","start":138.025,"end":138.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09463898837566376},{"word":"reminder","start":138.185,"end":138.685,"confidence":1.0,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.04410026967525482},{"word":"for","start":138.745,"end":139.225,"confidence":0.9921875,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.02436017617583275},{"word":"you","start":139.225,"end":139.305,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004261411726474762},{"word":"know","start":139.305,"end":139.545,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.035477928817272186},{"word":"getting","start":139.545,"end":139.785,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.09105557203292848},{"word":"in","start":139.785,"end":139.865,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14978821575641632},{"word":"place","start":139.865,"end":140.185,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.1759568154811859},{"word":"a","start":140.185,"end":140.265,"confidence":0.6328125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2076669335365295},{"word":"will","start":140.265,"end":140.505,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.180720716714859},{"word":"and","start":140.505,"end":140.665,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10451090335845949},{"word":"a","start":140.665,"end":140.745,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1340571939945221},{"word":"power","start":140.745,"end":140.985,"confidence":0.99902344,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.11892375349998474},{"word":"of","start":140.985,"end":141.145,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14217574894428253},{"word":"attorney","start":141.145,"end":141.645,"confidence":0.9091797,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.09095731377601624},{"word":"but","start":142.025,"end":142.265,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16293396055698395},{"word":"everything","start":142.265,"end":142.665,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3603844940662384},{"word":"else","start":142.665,"end":142.905,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.4251432418823242},{"word":"looks","start":142.905,"end":143.145,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.39876532554626465},{"word":"pretty","start":143.145,"end":143.465,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3948028087615967},{"word":"good","start":143.465,"end":143.965,"confidence":0.8383789,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.17252185940742493},{"word":"and","start":144.21,"end":144.45,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.020157597959041595},{"word":"we're","start":144.45,"end":144.69,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.09754519909620284},{"word":"not","start":144.69,"end":144.85,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23749403655529025},{"word":"giving","start":144.85,"end":145.09,"confidence":1.0,"punctuated_word":"giving","sentiment":"negative","sentiment_score":-0.3871780633926392},{"word":"any","start":145.09,"end":145.33,"confidence":0.99902344,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.34528443217277527},{"word":"advice","start":145.33,"end":145.65,"confidence":0.99902344,"punctuated_word":"advice","sentiment":"negative","sentiment_score":-0.39917317032814026},{"word":"on","start":145.65,"end":145.89,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.4380232095718384},{"word":"debt","start":145.89,"end":146.13,"confidence":0.99902344,"punctuated_word":"debt","sentiment":"negative","sentiment_score":-0.6018542051315308},{"word":"management","start":146.13,"end":146.63,"confidence":0.99853516,"punctuated_word":"management.","sentiment":"negative","sentiment_score":-0.5578060150146484},{"word":"so","start":146.69,"end":146.85,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13001498579978943},{"word":"you're","start":146.85,"end":147.09,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.13359420001506803},{"word":"obviously","start":147.09,"end":147.41,"confidence":0.96875,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.11452186852693558},{"word":"doing","start":147.41,"end":147.65,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1394684910774231},{"word":"your","start":147.65,"end":147.81,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.18444913625717163},{"word":"own","start":147.81,"end":148.31,"confidence":1.0,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.23626048862934113},{"word":"renovations","start":148.37,"end":148.85,"confidence":1.0,"punctuated_word":"renovations","sentiment":"neutral","sentiment_score":-0.1490730345249176},{"word":"and","start":148.85,"end":149.01,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25027596950531006},{"word":"paying","start":149.01,"end":149.25,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.21472394466400144},{"word":"off","start":149.25,"end":149.41,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.23563647270202637},{"word":"the","start":149.41,"end":149.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1875379979610443},{"word":"home","start":149.57,"end":149.81,"confidence":0.96875,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.16868586838245392},{"word":"we're","start":149.81,"end":149.97,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.0108120022341609},{"word":"just","start":149.97,"end":150.29001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.003381870687007904},{"word":"focusing","start":150.29001,"end":150.69,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.0376800037920475},{"word":"on","start":150.69,"end":150.93001,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.144924134016037},{"word":"the","start":150.93001,"end":151.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10210438072681428},{"word":"super","start":151.17,"end":151.41,"confidence":0.9941406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28444498777389526},{"word":"and","start":151.41,"end":151.57,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09947919845581056},{"word":"the","start":151.57,"end":151.65,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10010422021150588},{"word":"insurance","start":151.65,"end":152.15,"confidence":0.9873047,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10841992497444151},{"word":"today","start":153.97,"end":154.21,"confidence":0.99853516,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.14516815543174744},{"word":"perfect","start":154.21,"end":154.71,"confidence":0.9885254,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5076332688331604},{"word":"and","start":154.77,"end":154.93001,"confidence":0.66259766,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17610523104667664},{"word":"if","start":154.93001,"end":155.01,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13605524599552157},{"word":"you","start":155.01,"end":155.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08874186873435974},{"word":"go","start":155.17,"end":155.41,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09966210275888444},{"word":"through","start":155.41,"end":155.91,"confidence":0.99902344,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.08517690002918243},{"word":"you","start":156.145,"end":156.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02905796468257904},{"word":"will","start":156.385,"end":156.465,"confidence":0.97802734,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.012892834842205048},{"word":"have","start":156.465,"end":156.785,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.024377480149269104},{"word":"a","start":156.785,"end":156.945,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04641127213835716},{"word":"limited","start":156.945,"end":157.345,"confidence":0.99902344,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.10656006634235382},{"word":"device","start":157.345,"end":157.745,"confidence":0.7709961,"punctuated_word":"device","sentiment":"neutral","sentiment_score":-0.1903686970472336},{"word":"warning","start":157.745,"end":158.065,"confidence":0.9980469,"punctuated_word":"warning","sentiment":"neutral","sentiment_score":-0.1642063856124878},{"word":"after","start":158.065,"end":158.385,"confidence":0.9770508,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.14979992806911469},{"word":"that","start":158.385,"end":158.785,"confidence":0.98706055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.10778245329856873},{"word":"we're","start":158.785,"end":158.945,"confidence":0.9970703,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.21669182181358335},{"word":"not","start":158.945,"end":159.105,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.25670671463012695},{"word":"giving","start":159.105,"end":159.345,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"negative","sentiment_score":-0.3879753053188324},{"word":"advice","start":159.345,"end":159.665,"confidence":0.8769531,"punctuated_word":"advice","sentiment":"negative","sentiment_score":-0.3744884133338928},{"word":"on","start":159.665,"end":159.905,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.27282270789146423},{"word":"everything","start":159.905,"end":160.225,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.29319489002227783},{"word":"under","start":160.225,"end":160.545,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.25487104058265686},{"word":"the","start":160.545,"end":160.705,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.294842928647995},{"word":"sun","start":160.705,"end":161.205,"confidence":0.9848633,"punctuated_word":"sun.","sentiment":"neutral","sentiment_score":-0.26979169249534607},{"word":"and","start":161.345,"end":161.665,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.053650252521038055},{"word":"if","start":161.665,"end":161.825,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05403023213148117},{"word":"you","start":161.825,"end":161.905,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020114175975322723},{"word":"could","start":161.905,"end":162.065,"confidence":0.98291016,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.02350364625453949},{"word":"just","start":162.065,"end":162.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0152905210852623},{"word":"quickly","start":162.225,"end":162.545,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.012727946043014526},{"word":"check","start":162.545,"end":162.785,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.008969314396381378},{"word":"for","start":162.785,"end":162.865,"confidence":0.9716797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.034260161221027374},{"word":"me","start":162.865,"end":163.025,"confidence":0.93652344,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.02306312322616577},{"word":"i've","start":163.025,"end":163.185,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04777615889906883},{"word":"got","start":163.185,"end":163.345,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.022951722145080566},{"word":"the","start":163.345,"end":163.585,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032020848244428635},{"word":"about","start":163.585,"end":163.905,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0013771876692771912},{"word":"you","start":163.905,"end":164.065,"confidence":0.9633789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00679532065987587},{"word":"section","start":164.065,"end":164.465,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.055395759642124176},{"word":"on","start":164.465,"end":164.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03948931396007538},{"word":"page","start":164.625,"end":164.945,"confidence":0.99609375,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.022569473832845688},{"word":"six","start":164.945,"end":165.185,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.048379987478256226},{"word":"and","start":165.185,"end":165.425,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008077263832092285},{"word":"seven","start":165.425,"end":165.925,"confidence":0.97631836,"punctuated_word":"seven,","sentiment":"neutral","sentiment_score":0.04240448772907257},{"word":"which","start":166.145,"end":166.385,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06872694194316864},{"word":"was","start":166.385,"end":166.705,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05399779230356216},{"word":"those","start":166.705,"end":167.025,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06812077015638351},{"word":"updated","start":167.025,"end":167.525,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.037513211369514465},{"word":"details","start":167.585,"end":167.985,"confidence":0.99902344,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.04820944368839264},{"word":"that","start":167.985,"end":168.225,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07114633917808533},{"word":"we","start":168.225,"end":168.385,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.040428295731544495},{"word":"captured","start":168.385,"end":168.885,"confidence":0.9975586,"punctuated_word":"captured.","sentiment":"neutral","sentiment_score":0.031173469498753548},{"word":"so","start":169.53,"end":170.03,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09604224562644958},{"word":"we've","start":170.41,"end":170.65001,"confidence":0.98706055,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.10699580609798431},{"word":"got","start":170.65001,"end":170.73,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12891535460948944},{"word":"your","start":170.73,"end":170.89,"confidence":0.56640625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1358255296945572},{"word":"listed","start":170.89,"end":171.21,"confidence":0.89453125,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.09002119302749634},{"word":"sales","start":171.21,"end":171.45,"confidence":0.99121094,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.11313682794570924},{"word":"and","start":171.45,"end":171.61,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06901779770851135},{"word":"marketing","start":171.61,"end":171.93001,"confidence":1.0,"punctuated_word":"marketing","sentiment":"neutral","sentiment_score":0.0728156715631485},{"word":"manager","start":171.93001,"end":172.25,"confidence":0.9980469,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.08193597197532654},{"word":"about","start":172.25,"end":172.49,"confidence":0.6230469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0799187570810318},{"word":"a","start":172.49,"end":172.57,"confidence":0.8408203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08062903583049774},{"word":"145","start":172.57,"end":173.71,"confidence":0.97424316,"punctuated_word":"145.","sentiment":"neutral","sentiment_score":0.05504225939512253},{"word":"email","start":174.25,"end":174.65001,"confidence":0.99902344,"punctuated_word":"Email","sentiment":"neutral","sentiment_score":0.0361899808049202},{"word":"and","start":174.65001,"end":174.73,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0014190226793289185},{"word":"phone","start":174.73,"end":175.05,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.008507981896400452},{"word":"number","start":175.05,"end":175.37,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.00967496633529663},{"word":"haven't","start":175.37,"end":175.77,"confidence":0.9970703,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.04136690869927406},{"word":"changed","start":175.77,"end":176.27,"confidence":0.7470703,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.02997211366891861},{"word":"and","start":176.65001,"end":176.89,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08572070300579071},{"word":"we've","start":176.89,"end":177.13,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0960567221045494},{"word":"got","start":177.13,"end":177.45,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07775922864675522},{"word":"assets","start":177.45,"end":177.95,"confidence":0.9741211,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.08374880254268646},{"word":"the","start":178.01001,"end":178.51001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09386862814426422},{"word":"main","start":178.57,"end":178.89,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.10238556563854218},{"word":"residence","start":178.89,"end":179.39,"confidence":0.97436523,"punctuated_word":"residence,","sentiment":"neutral","sentiment_score":0.07924867421388626},{"word":"property","start":179.61,"end":180.11,"confidence":0.79345703,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.09531091153621674},{"word":"the","start":180.33,"end":180.57,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11557720601558684},{"word":"ford","start":180.57,"end":180.89,"confidence":0.83081055,"punctuated_word":"Ford,","sentiment":"neutral","sentiment_score":0.09305110573768616},{"word":"and","start":180.89,"end":181.13,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10708148777484894},{"word":"a","start":181.13,"end":181.21,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14800265431404114},{"word":"bit","start":181.21,"end":181.45,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10753463208675385},{"word":"of","start":181.45,"end":181.53,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13179859519004822},{"word":"savings","start":181.53,"end":181.93001,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.0793047845363617},{"word":"in","start":181.93001,"end":182.01001,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1291736662387848},{"word":"the","start":182.01001,"end":182.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11594107002019882},{"word":"offset","start":182.17,"end":182.57,"confidence":0.98291016,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.0954008251428604},{"word":"account","start":182.57,"end":183.07,"confidence":1.0,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.07685302197933197},{"word":"perfect","start":184.595,"end":185.095,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3292454481124878},{"word":"now","start":185.47499,"end":185.795,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07210832834243774},{"word":"can","start":185.795,"end":185.955,"confidence":0.9873047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06570907682180405},{"word":"you","start":185.955,"end":186.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05042975768446922},{"word":"just","start":186.035,"end":186.19499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08862657845020294},{"word":"go","start":186.19499,"end":186.355,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09782421588897704},{"word":"through","start":186.355,"end":186.675,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1583467423915863},{"word":"a","start":186.675,"end":186.75499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.045873112976551056},{"word":"few","start":186.75499,"end":186.915,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05635490640997887},{"word":"more","start":186.915,"end":187.075,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04810116067528725},{"word":"pages","start":187.075,"end":187.47499,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.03497925028204918},{"word":"for","start":187.47499,"end":187.635,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.034411605447530746},{"word":"me","start":187.635,"end":187.875,"confidence":0.9472656,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.0661374181509018},{"word":"on","start":187.875,"end":188.19499,"confidence":1.0,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.011788833886384964},{"word":"nine","start":188.19499,"end":188.435,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.007538586854934692},{"word":"and","start":188.435,"end":188.595,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011683255434036257},{"word":"ten","start":188.595,"end":188.915,"confidence":0.9980469,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":0.00987481977790594},{"word":"we've","start":188.915,"end":189.075,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.024408360943198204},{"word":"got","start":189.075,"end":189.235,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.052909236401319504},{"word":"your","start":189.235,"end":189.39499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018909409642219543},{"word":"risk","start":189.39499,"end":189.715,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.003423362970352173},{"word":"profile","start":189.715,"end":190.215,"confidence":0.99560547,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.001445036381483078},{"word":"so","start":191.875,"end":192.355,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02067992091178894},{"word":"growth","start":192.355,"end":192.855,"confidence":0.9777832,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.08577296137809753},{"word":"that","start":193.155,"end":193.47499,"confidence":0.9658203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05968683212995529},{"word":"four","start":193.47499,"end":193.715,"confidence":0.9873047,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.020743563771247864},{"word":"out","start":193.715,"end":193.795,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03569765388965607},{"word":"of","start":193.795,"end":193.955,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023157864809036255},{"word":"five","start":193.955,"end":194.19499,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.035957515239715576},{"word":"on","start":194.19499,"end":194.355,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05193810909986496},{"word":"the","start":194.355,"end":194.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06881674379110336},{"word":"risk","start":194.435,"end":194.675,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.014460384845733644},{"word":"scale","start":194.675,"end":195.175,"confidence":0.91625977,"punctuated_word":"scale,","sentiment":"neutral","sentiment_score":0.04372521489858627},{"word":"primarily","start":195.34,"end":195.65999,"confidence":1.0,"punctuated_word":"primarily","sentiment":"neutral","sentiment_score":0.037797003984451294},{"word":"focusing","start":195.65999,"end":196.14,"confidence":0.9980469,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.03785046190023422},{"word":"on","start":196.14,"end":196.29999,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06446363031864166},{"word":"growth","start":196.29999,"end":196.54,"confidence":0.84155273,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.11787575483322144},{"word":"but","start":196.54,"end":196.7,"confidence":0.92163086,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.0030679218471050262},{"word":"again","start":196.7,"end":196.93999,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.01098768785595894},{"word":"we're","start":196.93999,"end":197.09999,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06458829343318939},{"word":"not","start":197.09999,"end":197.26,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10641058534383774},{"word":"going","start":197.26,"end":197.5,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08909864723682404},{"word":"high","start":197.5,"end":197.73999,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.20529550313949585},{"word":"risk","start":197.73999,"end":198.23999,"confidence":0.99853516,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.15229153633117676},{"word":"and","start":198.37999,"end":198.62,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00046131014823913574},{"word":"if","start":198.62,"end":198.85999,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03376563638448715},{"word":"you","start":198.85999,"end":198.93999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.047908492386341095},{"word":"go","start":198.93999,"end":199.18,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06459522992372513},{"word":"through","start":199.18,"end":199.42,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06626427173614502},{"word":"to","start":199.42,"end":199.57999,"confidence":0.84228516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04002226144075394},{"word":"strategy","start":199.57999,"end":200.06,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.019755490124225616},{"word":"recommendations","start":200.06,"end":200.56,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.05966688692569733},{"word":"on","start":200.78,"end":201.01999,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08444169908761978},{"word":"11","start":201.01999,"end":201.51999,"confidence":0.99853516,"punctuated_word":"11,","sentiment":"neutral","sentiment_score":0.08429471403360367},{"word":"there","start":201.65999,"end":201.98,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1305903047323227},{"word":"should","start":201.98,"end":202.14,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.15172789990901947},{"word":"be","start":202.14,"end":202.29999,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10383570939302444},{"word":"a","start":202.29999,"end":202.45999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09331521391868591},{"word":"few","start":202.45999,"end":202.7,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.06095273047685623},{"word":"headings","start":202.7,"end":203.09999,"confidence":1.0,"punctuated_word":"headings","sentiment":"neutral","sentiment_score":0.06103184446692467},{"word":"there","start":203.09999,"end":203.59999,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09323908388614656},{"word":"underneath","start":204.14,"end":204.64,"confidence":0.99902344,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.07109258323907852},{"word":"named","start":205.26,"end":205.76,"confidence":0.9301758,"punctuated_word":"named","sentiment":"neutral","sentiment_score":0.05304865539073944},{"word":"best","start":205.9,"end":206.14,"confidence":0.68896484,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.026453621685504913},{"word":"interest","start":206.14,"end":206.54,"confidence":0.99121094,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.06456208229064941},{"word":"duty","start":206.54,"end":207.04,"confidence":0.98291016,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.06145741790533066},{"word":"so","start":210.315,"end":210.71501,"confidence":0.8354492,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.026330508291721344},{"word":"basically","start":210.71501,"end":211.115,"confidence":0.99853516,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.026035282760858536},{"word":"on","start":211.115,"end":211.27501,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.037504643201828},{"word":"this","start":211.27501,"end":211.43501,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03114612028002739},{"word":"one","start":211.43501,"end":211.595,"confidence":0.90625,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.02870948612689972},{"word":"because","start":211.595,"end":211.99501,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07680492103099823},{"word":"retirement's","start":211.99501,"end":212.475,"confidence":0.85595703,"punctuated_word":"retirement's","sentiment":"neutral","sentiment_score":-0.12317004054784776},{"word":"a","start":212.475,"end":212.55501,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13765797019004822},{"word":"while","start":212.55501,"end":212.79501,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.1272972822189331},{"word":"away","start":212.79501,"end":213.115,"confidence":0.97631836,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.1102469339966774},{"word":"we're","start":213.115,"end":213.27501,"confidence":0.9577637,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.16171607375144958},{"word":"not","start":213.27501,"end":213.35501,"confidence":0.9453125,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18029525876045227},{"word":"obviously","start":213.35501,"end":213.85501,"confidence":0.8330078,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.20842759311199188},{"word":"retire","start":213.91501,"end":214.315,"confidence":0.9741211,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.2569984197616577},{"word":"sorry","start":214.55501,"end":215.035,"confidence":0.7961426,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.07257912307977676},{"word":"projecting","start":215.035,"end":215.43501,"confidence":0.9941406,"punctuated_word":"Projecting","sentiment":"neutral","sentiment_score":0.0965820848941803},{"word":"out","start":215.43501,"end":215.675,"confidence":0.66308594,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16653034090995789},{"word":"your","start":215.675,"end":215.835,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1774606704711914},{"word":"retirement","start":215.835,"end":216.315,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.07584479451179504},{"word":"outcome","start":216.315,"end":216.71501,"confidence":0.99902344,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.14333170652389526},{"word":"right","start":216.71501,"end":216.875,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.1569332778453827},{"word":"now","start":216.875,"end":217.35501,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.15634360909461975},{"word":"because","start":217.35501,"end":217.675,"confidence":0.6074219,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07924894988536835},{"word":"we","start":217.675,"end":217.755,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15079492330551147},{"word":"can't","start":217.755,"end":218.07501,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.04875712841749191},{"word":"accurately","start":218.07501,"end":218.57501,"confidence":1.0,"punctuated_word":"accurately","sentiment":"neutral","sentiment_score":0.03569766879081726},{"word":"predict","start":218.63501,"end":219.13501,"confidence":1.0,"punctuated_word":"predict","sentiment":"neutral","sentiment_score":0.08599666506052017},{"word":"how","start":219.37001,"end":219.53001,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09704111516475676},{"word":"long","start":219.53001,"end":219.69,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.07802551984786987},{"word":"the","start":219.69,"end":219.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08141473680734634},{"word":"funds","start":219.85,"end":220.17001,"confidence":0.98095703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.08685421198606491},{"word":"are","start":220.17001,"end":220.25,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10214446485042572},{"word":"gonna","start":220.25,"end":220.49,"confidence":0.9838867,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09784726798534392},{"word":"last","start":220.49,"end":220.89,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1256876140832901},{"word":"because","start":220.89,"end":221.37001,"confidence":0.96240234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0066709816455841064},{"word":"so","start":221.37001,"end":221.53001,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03715920448303223},{"word":"many","start":221.53001,"end":221.85,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.03968717157840729},{"word":"changes","start":221.85,"end":222.35,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.05693369358778},{"word":"in","start":222.65001,"end":222.81001,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05162034183740616},{"word":"your","start":222.81001,"end":223.13,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06342019140720367},{"word":"circumstances","start":223.13,"end":223.63,"confidence":0.99902344,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.09511677175760268},{"word":"are","start":223.77,"end":223.85,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03110634908080101},{"word":"likely","start":223.85,"end":224.35,"confidence":0.83740234,"punctuated_word":"likely,","sentiment":"neutral","sentiment_score":0.07709702849388123},{"word":"but","start":224.41,"end":224.65001,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06634663045406342},{"word":"we've","start":224.65001,"end":224.81001,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1529955118894577},{"word":"done","start":224.81001,"end":224.97,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.14567038416862488},{"word":"the","start":224.97,"end":225.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13807499408721924},{"word":"usual","start":225.13,"end":225.53,"confidence":1.0,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.1412244439125061},{"word":"five","start":225.53,"end":225.77,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.16685818135738373},{"word":"to","start":225.77,"end":225.93001,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06661522388458252},{"word":"ten","start":225.93001,"end":226.09001,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.13105079531669617},{"word":"year","start":226.09001,"end":226.33,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1285768747329712},{"word":"projection","start":226.33,"end":226.83,"confidence":0.99902344,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.13435618579387665},{"word":"just","start":227.05,"end":227.29001,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1517484188079834},{"word":"to","start":227.29001,"end":227.37001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14391539990901947},{"word":"show","start":227.37001,"end":227.61,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.14933133125305176},{"word":"the","start":227.61,"end":227.77,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21527427434921265},{"word":"impact","start":227.77,"end":228.17001,"confidence":1.0,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.21103894710540771},{"word":"of","start":228.17001,"end":228.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15570363402366638},{"word":"the","start":228.25,"end":228.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16589027643203735},{"word":"recommendations","start":228.41,"end":228.91,"confidence":0.99609375,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.11635492742061616},{"word":"now","start":230.73001,"end":231.05,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0059026554226875305},{"word":"with","start":231.05,"end":231.21,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04994415491819382},{"word":"the","start":231.21,"end":231.37001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010573133826255798},{"word":"portfolio","start":231.37001,"end":231.87001,"confidence":0.99902344,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.04310741648077965},{"word":"we","start":232.735,"end":233.21501,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.003102317452430725},{"word":"found","start":233.21501,"end":233.535,"confidence":0.99902344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.0023666471242904663},{"word":"a","start":233.535,"end":233.695,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10301601886749268},{"word":"bit","start":233.695,"end":233.85501,"confidence":0.9428711,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12138020247220992},{"word":"of","start":233.85501,"end":233.93501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15949271619319916},{"word":"an","start":233.93501,"end":234.095,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2137962430715561},{"word":"underperforming","start":234.095,"end":234.595,"confidence":0.99853516,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.2305518388748169},{"word":"investment","start":234.815,"end":235.29501,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.326227068901062},{"word":"in","start":235.29501,"end":235.455,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2820095419883728},{"word":"that","start":235.455,"end":235.695,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18664154410362244},{"word":"benelon","start":235.695,"end":236.175,"confidence":0.6751302,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.1336400806903839},{"word":"option","start":236.175,"end":236.57501,"confidence":0.9951172,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.053780026733875275},{"word":"there","start":236.57501,"end":237.07501,"confidence":0.82421875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.03600423038005829},{"word":"and","start":237.13501,"end":237.615,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0211668461561203},{"word":"i","start":237.615,"end":237.85501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004754424095153809},{"word":"found","start":237.85501,"end":238.175,"confidence":0.98828125,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.04526142776012421},{"word":"some","start":238.175,"end":238.675,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04434305429458618},{"word":"better","start":239.615,"end":239.93501,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.01626916229724884},{"word":"replacement","start":239.93501,"end":240.41501,"confidence":0.9980469,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":0.05134856700897217},{"word":"options","start":240.41501,"end":240.735,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.028175294399261475},{"word":"there","start":240.735,"end":240.895,"confidence":0.98291016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15996646881103516},{"word":"that","start":240.895,"end":241.05501,"confidence":0.85253906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2304119169712067},{"word":"are","start":241.05501,"end":241.095,"confidence":0.9770508,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18141713738441467},{"word":"a","start":241.095,"end":241.13501,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19681543111801147},{"word":"bit","start":241.13501,"end":241.29501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14379510283470154},{"word":"more","start":241.29501,"end":241.535,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.14413666725158691},{"word":"lower","start":241.535,"end":241.77501,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.18224689364433289},{"word":"fees","start":241.77501,"end":242.175,"confidence":0.96435547,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.0735548883676529},{"word":"bit","start":242.175,"end":242.335,"confidence":0.76708984,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18325233459472656},{"word":"better","start":242.335,"end":242.57501,"confidence":0.9980469,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.13031917810440063},{"word":"performance","start":242.57501,"end":243.07501,"confidence":0.9765625,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.0027882754802703857},{"word":"so","start":243.29501,"end":243.455,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04903208464384079},{"word":"i","start":243.455,"end":243.615,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07522987574338913},{"word":"wanted","start":243.615,"end":243.85501,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14666348695755005},{"word":"to","start":243.85501,"end":244.015,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11119109392166138},{"word":"just","start":244.015,"end":244.255,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10692154616117476},{"word":"take","start":244.255,"end":244.41501,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1540321707725525},{"word":"you","start":244.41501,"end":244.57501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11577770859003068},{"word":"through","start":244.57501,"end":244.815,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1435147523880005},{"word":"that","start":244.815,"end":245.05501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.109340138733387},{"word":"as","start":245.05501,"end":245.21501,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11578206717967988},{"word":"well","start":245.21501,"end":245.535,"confidence":0.9379883,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.08892017602920532},{"word":"but","start":245.535,"end":245.695,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05869769304990768},{"word":"i've","start":245.695,"end":245.85501,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03336435556411743},{"word":"also","start":245.85501,"end":246.175,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.010413892567157744},{"word":"factored","start":246.175,"end":246.57501,"confidence":0.9995117,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.04596031457185745},{"word":"in","start":246.57501,"end":246.735,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08852611482143402},{"word":"those","start":246.735,"end":246.975,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04169637709856033},{"word":"contributions","start":246.975,"end":247.475,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.02167779952287674},{"word":"that","start":247.695,"end":247.85501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03906073421239853},{"word":"you","start":247.85501,"end":248.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04977787658572197},{"word":"did","start":248.015,"end":248.31,"confidence":0.9995117,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.007085904479026794},{"word":"now","start":249.67,"end":249.98999,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.1726318746805191},{"word":"the","start":249.98999,"end":250.06999,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18538326025009155},{"word":"main","start":250.06999,"end":250.31,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.17043761909008026},{"word":"thing","start":250.31,"end":250.47,"confidence":0.8977051,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.13839325308799744},{"word":"if","start":250.47,"end":250.63,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17970681190490723},{"word":"you","start":250.63,"end":250.70999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1636703461408615},{"word":"go","start":250.70999,"end":250.87,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.09301049262285233},{"word":"on","start":250.87,"end":250.95,"confidence":0.5854492,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06678422540426254},{"word":"to","start":250.95,"end":251.11,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10012563318014144},{"word":"that","start":251.11,"end":251.34999,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07751503586769104},{"word":"table","start":251.34999,"end":251.59,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":-0.0883665680885315},{"word":"on","start":251.59,"end":251.83,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03450528532266617},{"word":"page","start":251.83,"end":252.15,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.04378534108400345},{"word":"12","start":252.15,"end":252.47,"confidence":0.9975586,"punctuated_word":"12,","sentiment":"neutral","sentiment_score":-0.05715804547071457},{"word":"it","start":252.47,"end":252.55,"confidence":0.9091797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10687223821878432},{"word":"should","start":252.55,"end":252.70999,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.0974212884902954},{"word":"be","start":252.70999,"end":252.87,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16068556904792786},{"word":"quite","start":252.87,"end":253.11,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.23905187845230105},{"word":"large","start":253.11,"end":253.34999,"confidence":0.9838867,"punctuated_word":"large,","sentiment":"neutral","sentiment_score":-0.18906821310520172},{"word":"but","start":253.34999,"end":253.59,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1922152042388916},{"word":"it's","start":253.59,"end":253.67,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.26618677377700806},{"word":"got","start":253.67,"end":253.98999,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.19473710656166077},{"word":"advantages","start":253.98999,"end":254.48999,"confidence":0.99902344,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":-0.05504422634840011},{"word":"and","start":254.55,"end":254.79,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15043210983276367},{"word":"disadvantages","start":254.79,"end":255.29,"confidence":1.0,"punctuated_word":"disadvantages","sentiment":"neutral","sentiment_score":-0.14814499020576477},{"word":"listed","start":255.59,"end":256.09,"confidence":1.0,"punctuated_word":"listed.","sentiment":"neutral","sentiment_score":-0.10378905385732652},{"word":"so","start":256.71,"end":257.03,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26236584782600403},{"word":"the","start":257.03,"end":257.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31160053610801697},{"word":"main","start":257.11,"end":257.43,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.28043133020401},{"word":"thing","start":257.43,"end":257.59,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.4227748513221741},{"word":"here","start":257.59,"end":258.09,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.306790828704834},{"word":"is","start":258.23,"end":258.47,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29982054233551025},{"word":"with","start":258.47,"end":258.71,"confidence":0.97314453,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3470023274421692},{"word":"all","start":258.71,"end":258.87,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.35094153881073},{"word":"of","start":258.87,"end":258.95,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35350722074508667},{"word":"these","start":258.95,"end":259.19,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2975919544696808},{"word":"investments","start":259.19,"end":259.66998,"confidence":1.0,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1944488286972046},{"word":"that","start":259.66998,"end":259.83,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3525264859199524},{"word":"we","start":259.83,"end":259.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28188154101371765},{"word":"use","start":259.99,"end":260.31,"confidence":0.9980469,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":0.27629154920578003},{"word":"we","start":260.31,"end":260.47,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.33389148116111755},{"word":"use","start":260.47,"end":260.59,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.26950767636299133},{"word":"a","start":260.59,"end":260.71,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3309085965156555},{"word":"lot","start":260.71,"end":260.87,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3526800870895386},{"word":"of","start":260.87,"end":261.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.299938827753067},{"word":"etfs","start":261.03,"end":261.53,"confidence":0.9318034,"punctuated_word":"ETFs.","sentiment":"neutral","sentiment_score":0.1929418444633484},{"word":"so","start":262.095,"end":262.33502,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2695990204811096},{"word":"there","start":262.33502,"end":262.655,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2287791818380356},{"word":"is","start":262.655,"end":262.89502,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23181775212287903},{"word":"brokerage","start":262.89502,"end":263.295,"confidence":0.9980469,"punctuated_word":"brokerage","sentiment":"neutral","sentiment_score":0.16471946239471436},{"word":"fees","start":263.295,"end":263.61502,"confidence":0.9951172,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.21525946259498596},{"word":"to","start":263.61502,"end":263.77502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2628418803215027},{"word":"purchase","start":263.77502,"end":264.095,"confidence":1.0,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.15277624130249023},{"word":"them","start":264.095,"end":264.33502,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.18019825220108032},{"word":"upfront","start":264.33502,"end":264.83502,"confidence":0.7734375,"punctuated_word":"upfront.","sentiment":"neutral","sentiment_score":0.12924888730049133},{"word":"it's","start":265.135,"end":265.375,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2429538369178772},{"word":"very","start":265.375,"end":265.61502,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.21080467104911804},{"word":"small","start":265.61502,"end":266.095,"confidence":0.9343262,"punctuated_word":"small,","sentiment":"neutral","sentiment_score":0.25550830364227295},{"word":"but","start":266.095,"end":266.255,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2559337615966797},{"word":"once","start":266.255,"end":266.49503,"confidence":1.0,"punctuated_word":"once","sentiment":"positive","sentiment_score":0.40442508459091187},{"word":"you've","start":266.49503,"end":266.73502,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3849650025367737},{"word":"got","start":266.73502,"end":266.975,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.35207390785217285},{"word":"them","start":266.975,"end":267.135,"confidence":0.9946289,"punctuated_word":"them,","sentiment":"positive","sentiment_score":0.3854559659957886},{"word":"they're","start":267.135,"end":267.295,"confidence":0.9885254,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.49356579780578613},{"word":"kind","start":267.295,"end":267.45502,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4779449999332428},{"word":"of","start":267.45502,"end":267.61502,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5014190077781677},{"word":"the","start":267.61502,"end":267.695,"confidence":0.97998047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.409681499004364},{"word":"lowest","start":267.695,"end":268.17502,"confidence":1.0,"punctuated_word":"lowest","sentiment":"positive","sentiment_score":0.3839743137359619},{"word":"fee","start":268.17502,"end":268.655,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.4098944067955017},{"word":"investments","start":268.655,"end":269.155,"confidence":0.98095703,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.376891553401947},{"word":"going","start":269.215,"end":269.45502,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4940738976001739},{"word":"forward","start":269.45502,"end":269.95502,"confidence":1.0,"punctuated_word":"forward.","sentiment":"positive","sentiment_score":0.392278790473938},{"word":"with","start":271.535,"end":271.77502,"confidence":0.9980469,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.2987155616283417},{"word":"a","start":271.77502,"end":271.935,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3045598864555359},{"word":"portfolio","start":271.935,"end":272.415,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1530059278011322},{"word":"update","start":272.415,"end":272.73502,"confidence":0.9980469,"punctuated_word":"update,","sentiment":"neutral","sentiment_score":0.3181796967983246},{"word":"there","start":272.73502,"end":272.975,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3617561459541321},{"word":"is","start":272.975,"end":273.05502,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25140297412872314},{"word":"a","start":273.05502,"end":273.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26586341857910156},{"word":"bit","start":273.135,"end":273.295,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1798269897699356},{"word":"of","start":273.295,"end":273.45502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22326844930648804},{"word":"capital","start":273.45502,"end":273.77502,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.0917225033044815},{"word":"gains","start":273.77502,"end":274.095,"confidence":0.9951172,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.128670796751976},{"word":"tax","start":274.095,"end":274.415,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.24389080703258512},{"word":"that","start":274.415,"end":274.575,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22242769598960876},{"word":"gets","start":274.575,"end":274.89502,"confidence":1.0,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.21784719824790957},{"word":"done","start":274.89502,"end":275.295,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.1960163563489914},{"word":"under","start":275.295,"end":275.535,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2574383616447449},{"word":"the","start":275.535,"end":275.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18641319870948792},{"word":"hood","start":275.695,"end":276.195,"confidence":0.9597168,"punctuated_word":"hood.","sentiment":"neutral","sentiment_score":0.1916743963956833},{"word":"within","start":276.53998,"end":276.78,"confidence":1.0,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.1943290084600449},{"word":"super","start":276.78,"end":277.25998,"confidence":0.85595703,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.24142658710479736},{"word":"it's","start":277.25998,"end":277.41998,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2146366834640503},{"word":"15%","start":277.41998,"end":278.22,"confidence":0.99853516,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.28420862555503845},{"word":"to","start":278.22,"end":278.37997,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1926453113555908},{"word":"switch","start":278.37997,"end":278.69998,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.17327280342578888},{"word":"around","start":278.69998,"end":279.02,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.16038289666175842},{"word":"investments","start":279.02,"end":279.52,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1318732500076294},{"word":"that","start":279.58,"end":279.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22447720170021057},{"word":"have","start":279.74,"end":279.97998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20976349711418152},{"word":"grown","start":279.97998,"end":280.47998,"confidence":0.9423828,"punctuated_word":"grown.","sentiment":"neutral","sentiment_score":0.22356507182121277},{"word":"so","start":280.62,"end":280.86,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22603023052215576},{"word":"i've","start":280.86,"end":281.09998,"confidence":0.9099121,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2656828761100769},{"word":"factored","start":281.09998,"end":281.41998,"confidence":0.99365234,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.28518760204315186},{"word":"in","start":281.41998,"end":281.74,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2892398536205292},{"word":"a","start":281.74,"end":281.81998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2631913423538208},{"word":"little","start":281.81998,"end":282.06,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.23280221223831177},{"word":"bit","start":282.06,"end":282.22,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.224349707365036},{"word":"of","start":282.22,"end":282.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20602969825267792},{"word":"that","start":282.3,"end":282.53998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2121226191520691},{"word":"in","start":282.53998,"end":282.62,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2047465592622757},{"word":"there","start":282.62,"end":282.86,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2348496913909912},{"word":"as","start":282.86,"end":283.02,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2260570377111435},{"word":"well","start":283.02,"end":283.52,"confidence":0.79174805,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2063778191804886},{"word":"but","start":283.74,"end":284.24,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.28786879777908325},{"word":"there's","start":284.46,"end":284.69998,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.4365244507789612},{"word":"a","start":284.69998,"end":284.86,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.532275915145874},{"word":"huge","start":284.86,"end":285.25998,"confidence":0.91186523,"punctuated_word":"huge,","sentiment":"positive","sentiment_score":0.5635016560554504},{"word":"huge","start":285.25998,"end":285.65997,"confidence":1.0,"punctuated_word":"huge","sentiment":"positive","sentiment_score":0.6279138326644897},{"word":"fee","start":285.65997,"end":285.9,"confidence":0.9838867,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.6223052144050598},{"word":"savings","start":285.9,"end":286.22,"confidence":0.9980469,"punctuated_word":"savings","sentiment":"positive","sentiment_score":0.4086636304855346},{"word":"here","start":286.22,"end":286.37997,"confidence":0.9975586,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.4991759657859802},{"word":"so","start":286.37997,"end":286.53998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3125916123390198},{"word":"if","start":286.53998,"end":286.62,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.37618425488471985},{"word":"you","start":286.62,"end":286.78,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35138753056526184},{"word":"can","start":286.78,"end":286.94,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3139282763004303},{"word":"go","start":286.94,"end":287.09998,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.27728182077407837},{"word":"down","start":287.09998,"end":287.34,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.30076056718826294},{"word":"a","start":287.34,"end":287.41998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2473880350589752},{"word":"couple","start":287.41998,"end":287.74,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.21237413585186005},{"word":"more","start":287.74,"end":287.97998,"confidence":0.97314453,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17739233374595642},{"word":"pages","start":287.97998,"end":288.37997,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.19255346059799192},{"word":"for","start":288.37997,"end":288.53998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20037022233009336},{"word":"me","start":288.53998,"end":289.03998,"confidence":0.7849121,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.20094509422779083},{"word":"on","start":289.425,"end":289.925,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20407116413116455},{"word":"14","start":289.985,"end":290.465,"confidence":0.9824219,"punctuated_word":"14,","sentiment":"neutral","sentiment_score":0.1978614032268524},{"word":"you'll","start":290.465,"end":290.705,"confidence":0.9604492,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.17178671061992645},{"word":"see","start":290.705,"end":290.945,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.194357305765152},{"word":"the","start":290.945,"end":291.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18104702234268188},{"word":"contributions","start":291.345,"end":291.845,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1192428022623062},{"word":"page","start":292.065,"end":292.565,"confidence":0.7770996,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.14489611983299255},{"word":"and","start":293.425,"end":293.585,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1536155641078949},{"word":"it","start":293.585,"end":293.745,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13915321230888367},{"word":"just","start":293.745,"end":293.985,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13168694078922272},{"word":"says","start":293.985,"end":294.385,"confidence":1.0,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.1408378928899765},{"word":"make","start":294.385,"end":294.625,"confidence":0.5332031,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14687442779541016},{"word":"your","start":294.625,"end":294.785,"confidence":0.97314453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1451537013053894},{"word":"con","start":294.785,"end":295.025,"confidence":0.97265625,"punctuated_word":"con","sentiment":"neutral","sentiment_score":0.12623614072799683},{"word":"concessional","start":295.185,"end":295.685,"confidence":0.8522949,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.1653062403202057},{"word":"contributions","start":295.745,"end":296.245,"confidence":0.8720703,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.148076131939888},{"word":"claim","start":296.385,"end":296.705,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.24491503834724423},{"word":"them","start":296.705,"end":297.025,"confidence":0.98999023,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.1749078631401062},{"word":"we're","start":297.025,"end":297.26498,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.16043350100517273},{"word":"using","start":297.26498,"end":297.505,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.15327322483062744},{"word":"that","start":297.505,"end":297.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21034614741802216},{"word":"bring","start":297.745,"end":297.985,"confidence":0.99121094,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.16340798139572144},{"word":"forward","start":297.985,"end":298.385,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.13501575589179993},{"word":"rule","start":298.385,"end":298.625,"confidence":0.9172363,"punctuated_word":"rule,","sentiment":"neutral","sentiment_score":0.1921091377735138},{"word":"which","start":298.625,"end":298.785,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2228180468082428},{"word":"we","start":298.785,"end":298.945,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20038935542106628},{"word":"did","start":298.945,"end":299.185,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.20689935982227323},{"word":"factor","start":299.185,"end":299.585,"confidence":0.99902344,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.19500568509101868},{"word":"in","start":299.585,"end":299.985,"confidence":0.9914551,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.1639259159564972},{"word":"i","start":299.985,"end":300.065,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1620873659849167},{"word":"think","start":300.065,"end":300.225,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.15772251784801483},{"word":"you","start":300.225,"end":300.385,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2008436620235443},{"word":"had","start":300.385,"end":300.625,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.15347915887832642},{"word":"about","start":300.625,"end":300.945,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15466685593128204},{"word":"64,000","start":300.945,"end":302.005,"confidence":0.99934894,"punctuated_word":"64,000","sentiment":"neutral","sentiment_score":0.17491155862808228},{"word":"that","start":302.36,"end":302.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18537555634975433},{"word":"you","start":302.6,"end":302.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15558229386806488},{"word":"could","start":302.76,"end":303.0,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.14270558953285217},{"word":"use","start":303.0,"end":303.48,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.12036658823490144},{"word":"when","start":303.48,"end":303.8,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11788855493068696},{"word":"we","start":303.8,"end":303.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10198596119880676},{"word":"had","start":303.88,"end":304.04,"confidence":0.9394531,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10627312958240508},{"word":"that","start":304.04,"end":304.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09262309223413467},{"word":"conversation","start":304.36,"end":304.86,"confidence":0.9995117,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.10605140030384064},{"word":"perfect","start":306.52,"end":307.02,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43191349506378174},{"word":"now","start":307.24,"end":307.63998,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.172766774892807},{"word":"if","start":307.63998,"end":307.8,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11703535169363022},{"word":"you","start":307.8,"end":307.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1130172163248062},{"word":"skip","start":307.96,"end":308.28,"confidence":0.99316406,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.13444840908050537},{"word":"through","start":308.28,"end":308.52,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1295267939567566},{"word":"past","start":308.52,"end":308.84,"confidence":0.96533203,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.064211905002594},{"word":"there","start":308.84,"end":309.34,"confidence":0.9770508,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07490274310112},{"word":"i","start":309.96,"end":310.04,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09937767684459686},{"word":"just","start":310.04,"end":310.28,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0993119180202484},{"word":"wanna","start":310.28,"end":310.44,"confidence":0.8803711,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09570612758398056},{"word":"bring","start":310.44,"end":310.68,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.05722501873970032},{"word":"your","start":310.68,"end":310.84,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06763913482427597},{"word":"attention","start":310.84,"end":311.24,"confidence":1.0,"punctuated_word":"attention","sentiment":"neutral","sentiment_score":0.07950663566589355},{"word":"to","start":311.24,"end":311.4,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09602002799510956},{"word":"pages","start":311.4,"end":311.9,"confidence":0.9980469,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.0859871357679367},{"word":"sixteen","start":311.96,"end":312.44,"confidence":0.99902344,"punctuated_word":"sixteen","sentiment":"neutral","sentiment_score":0.10274583101272584},{"word":"and","start":312.44,"end":312.76,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07315342128276825},{"word":"seventeen","start":312.76,"end":313.26,"confidence":0.9941406,"punctuated_word":"seventeen.","sentiment":"neutral","sentiment_score":0.07592474669218063},{"word":"it's","start":313.63998,"end":313.88,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05390790104866028},{"word":"a","start":313.88,"end":313.96,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06141459196805954},{"word":"bit","start":313.96,"end":314.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06596823781728745},{"word":"of","start":314.12,"end":314.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06161078065633774},{"word":"a","start":314.28,"end":314.36,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05217305198311806},{"word":"big","start":314.36,"end":314.86,"confidence":0.99121094,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.06525381654500961},{"word":"table","start":314.91998,"end":315.24,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.056658610701560974},{"word":"there","start":315.24,"end":315.56,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.029199277982115746},{"word":"with","start":315.56,"end":316.06,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03166034072637558},{"word":"codes","start":316.36,"end":316.68,"confidence":0.62597656,"punctuated_word":"codes","sentiment":"neutral","sentiment_score":0.028424246236681935},{"word":"of","start":316.68,"end":316.84,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019736481830477715},{"word":"investments","start":316.84,"end":317.34,"confidence":0.99853516,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.022819066420197487},{"word":"yep","start":317.56,"end":318.06,"confidence":0.9626465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07612089812755585},{"word":"so","start":318.575,"end":318.815,"confidence":0.9133301,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07427281886339188},{"word":"basically","start":318.815,"end":319.215,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.07191349565982819},{"word":"this","start":319.215,"end":319.45502,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0729554146528244},{"word":"is","start":319.45502,"end":319.535,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06877286732196808},{"word":"what","start":319.535,"end":319.775,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05652260035276413},{"word":"i'm","start":319.775,"end":319.935,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0865510106086731},{"word":"updating","start":319.935,"end":320.415,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.07382625341415405},{"word":"in","start":320.415,"end":320.575,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07539540529251099},{"word":"terms","start":320.575,"end":320.89502,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.10856430232524872},{"word":"of","start":320.89502,"end":321.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07926292717456818},{"word":"that","start":321.215,"end":321.45502,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07740715146064758},{"word":"very","start":321.45502,"end":321.775,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.0876430943608284},{"word":"top","start":321.775,"end":322.015,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.09267041832208632},{"word":"row","start":322.015,"end":322.515,"confidence":0.7722168,"punctuated_word":"row.","sentiment":"neutral","sentiment_score":0.08349228650331497},{"word":"it","start":322.73502,"end":322.89502,"confidence":0.96777344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.057288870215415955},{"word":"lists","start":322.89502,"end":323.215,"confidence":0.9506836,"punctuated_word":"lists","sentiment":"neutral","sentiment_score":0.05654066056013107},{"word":"the","start":323.215,"end":323.535,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037391722202301025},{"word":"bhyb","start":323.535,"end":324.035,"confidence":0.6902466,"punctuated_word":"BHYB,","sentiment":"neutral","sentiment_score":0.03608918935060501},{"word":"bank","start":325.055,"end":325.375,"confidence":0.8310547,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.07029657065868378},{"word":"hybrids","start":325.375,"end":325.875,"confidence":0.9807129,"punctuated_word":"hybrids.","sentiment":"neutral","sentiment_score":0.07053464651107788},{"word":"those","start":326.415,"end":326.73502,"confidence":0.7709961,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.046825557947158813},{"word":"are","start":326.73502,"end":326.815,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04158763587474823},{"word":"actually","start":326.815,"end":327.135,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.06329768151044846},{"word":"being","start":327.135,"end":327.45502,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.0019176751375198364},{"word":"phased","start":327.45502,"end":327.695,"confidence":1.0,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":0.011025723069906236},{"word":"out","start":327.695,"end":327.935,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.02880606055259705},{"word":"by","start":327.935,"end":328.095,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.012248806655406952},{"word":"the","start":328.095,"end":328.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04781331866979599},{"word":"government","start":328.255,"end":328.755,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.1331641525030136},{"word":"as","start":328.815,"end":329.215,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.039066776633262634},{"word":"an","start":329.215,"end":329.45502,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06351979821920395},{"word":"investment","start":329.45502,"end":329.95502,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02614135295152664},{"word":"option","start":330.015,"end":330.515,"confidence":0.8400879,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.021204495802521706},{"word":"so","start":330.57,"end":330.73,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0608055517077446},{"word":"i'm","start":330.73,"end":330.97,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0850868672132492},{"word":"just","start":330.97,"end":331.05002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06441396474838257},{"word":"getting","start":331.05002,"end":331.45,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.08066236972808838},{"word":"a","start":331.45,"end":331.61002,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07988302409648895},{"word":"a","start":331.61002,"end":331.77002,"confidence":0.7680664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06184243783354759},{"word":"bit","start":331.77002,"end":331.85,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07058820873498917},{"word":"of","start":331.85,"end":332.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08392462879419327},{"word":"a","start":332.01,"end":332.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09640948474407196},{"word":"defensive","start":332.17,"end":332.67,"confidence":1.0,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.0392291285097599},{"word":"replacement","start":332.73,"end":333.21002,"confidence":1.0,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":0.054318711161613464},{"word":"for","start":333.21002,"end":333.37,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0808504968881607},{"word":"that","start":333.37,"end":333.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06945003569126129},{"word":"one","start":333.53,"end":333.69,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05221977084875107},{"word":"at","start":333.69,"end":333.77002,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08203423768281937},{"word":"the","start":333.77002,"end":333.93,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06435523182153702},{"word":"bottom","start":333.93,"end":334.43,"confidence":1.0,"punctuated_word":"bottom.","sentiment":"neutral","sentiment_score":0.07507754117250443},{"word":"the","start":334.73,"end":334.89,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07152389734983444},{"word":"main","start":334.89,"end":335.21002,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.10096322000026704},{"word":"one","start":335.21002,"end":335.45,"confidence":0.84765625,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.09453742206096648},{"word":"though","start":335.45,"end":335.69,"confidence":0.9995117,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.1020657867193222},{"word":"is","start":335.69,"end":335.93,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10129810869693756},{"word":"the","start":335.93,"end":336.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08276691287755966},{"word":"middle","start":336.09,"end":336.33002,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.07976134121417999},{"word":"row","start":336.33002,"end":336.57,"confidence":0.9941406,"punctuated_word":"row","sentiment":"neutral","sentiment_score":0.07584787160158157},{"word":"with","start":336.57,"end":336.73,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10641774535179138},{"word":"the","start":336.73,"end":336.89,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09386167675256728},{"word":"benelong","start":336.89,"end":337.39,"confidence":0.6159668,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.06687846779823303},{"word":"that's","start":337.93,"end":338.17,"confidence":0.8161621,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0796651840209961},{"word":"being","start":338.17,"end":338.49002,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.08626595139503479},{"word":"replaced","start":338.49002,"end":338.99002,"confidence":1.0,"punctuated_word":"replaced","sentiment":"neutral","sentiment_score":0.07597017288208008},{"word":"with","start":339.21002,"end":339.37,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08792122453451157},{"word":"and","start":339.93,"end":340.17,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07375017553567886},{"word":"if","start":340.17,"end":340.33002,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10328766703605652},{"word":"you","start":340.33002,"end":340.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09414097666740416},{"word":"see","start":340.41,"end":340.65,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0935538485646248},{"word":"the","start":340.65,"end":340.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08580799400806427},{"word":"second","start":340.73,"end":341.13,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.09029415249824524},{"word":"last","start":341.13,"end":341.37,"confidence":0.9580078,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07571763545274734},{"word":"row","start":341.37,"end":341.87,"confidence":0.94628906,"punctuated_word":"row,","sentiment":"neutral","sentiment_score":0.09330068528652193},{"word":"beta","start":342.01,"end":342.33002,"confidence":0.61376953,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.1130041554570198},{"word":"shares","start":342.33002,"end":342.57,"confidence":0.9316406,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.09605173021554948},{"word":"a","start":342.57,"end":342.81,"confidence":0.86279297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12563571333885193},{"word":"200","start":342.81,"end":343.47,"confidence":0.94750977,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.15329328179359436},{"word":"which","start":343.53,"end":343.77002,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.17104658484458923},{"word":"is","start":343.77002,"end":343.85,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16414347290992737},{"word":"basically","start":343.85,"end":344.33002,"confidence":0.9892578,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1638396978378296},{"word":"just","start":344.33002,"end":344.49002,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15982872247695923},{"word":"a","start":344.49002,"end":344.65,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18365323543548584},{"word":"low","start":344.65,"end":344.89,"confidence":0.99902344,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.21152515709400177},{"word":"fee","start":344.89,"end":345.21002,"confidence":0.9970703,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.22524702548980713},{"word":"passive","start":345.21002,"end":345.61002,"confidence":0.9038086,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.27251729369163513},{"word":"option","start":345.61002,"end":346.11002,"confidence":0.7944336,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.1847427487373352},{"word":"and","start":346.695,"end":346.855,"confidence":0.9589844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12237697839736938},{"word":"i'll","start":346.855,"end":347.095,"confidence":0.9941406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1652624011039734},{"word":"show","start":347.095,"end":347.255,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.15079250931739807},{"word":"you","start":347.255,"end":347.415,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15950244665145874},{"word":"the","start":347.415,"end":347.57498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11262600868940352},{"word":"differences","start":347.57498,"end":348.055,"confidence":0.99902344,"punctuated_word":"differences","sentiment":"neutral","sentiment_score":0.07465072721242905},{"word":"there","start":348.055,"end":348.375,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13732367753982544},{"word":"in","start":348.375,"end":348.455,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14451709389686584},{"word":"a","start":348.455,"end":348.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1573771834373474},{"word":"second","start":348.615,"end":349.115,"confidence":1.0,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.1297115981578827},{"word":"now","start":350.535,"end":350.935,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22431543469429016},{"word":"on","start":350.935,"end":351.175,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18537819385528564},{"word":"pages","start":351.175,"end":351.655,"confidence":0.9980469,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.1601354032754898},{"word":"eighteen","start":351.655,"end":352.055,"confidence":0.99902344,"punctuated_word":"eighteen","sentiment":"neutral","sentiment_score":0.22687578201293945},{"word":"and","start":352.055,"end":352.215,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20900915563106537},{"word":"nineteen","start":352.215,"end":352.535,"confidence":0.982666,"punctuated_word":"nineteen,","sentiment":"neutral","sentiment_score":0.25645169615745544},{"word":"this","start":352.535,"end":352.775,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4199848771095276},{"word":"is","start":352.775,"end":352.855,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5347381830215454},{"word":"the","start":352.855,"end":353.01498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.48505353927612305},{"word":"fun","start":353.01498,"end":353.255,"confidence":1.0,"punctuated_word":"fun","sentiment":"positive","sentiment_score":0.5292820334434509},{"word":"part","start":353.255,"end":353.495,"confidence":0.9980469,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.552750825881958},{"word":"for","start":353.495,"end":353.655,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5651193857192993},{"word":"me","start":353.655,"end":354.135,"confidence":0.92993164,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.47300755977630615},{"word":"you","start":354.135,"end":354.215,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2714221477508545},{"word":"can","start":354.215,"end":354.535,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30002209544181824},{"word":"see","start":354.535,"end":354.85498,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.3890042901039123},{"word":"a","start":354.85498,"end":355.35498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22468942403793335},{"word":"bit","start":355.495,"end":355.57498,"confidence":0.9135742,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18987172842025757},{"word":"of","start":355.57498,"end":355.655,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25268828868865967},{"word":"a","start":355.655,"end":355.735,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25030067563056946},{"word":"colored","start":355.735,"end":356.215,"confidence":0.9921875,"punctuated_word":"colored","sentiment":"neutral","sentiment_score":0.2459533214569092},{"word":"pie","start":356.215,"end":356.455,"confidence":0.99902344,"punctuated_word":"pie","sentiment":"neutral","sentiment_score":0.21265780925750732},{"word":"chart","start":356.455,"end":356.775,"confidence":1.0,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.2400367259979248},{"word":"there","start":356.775,"end":356.935,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2458934485912323},{"word":"for","start":356.935,"end":357.095,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26450252532958984},{"word":"your","start":357.095,"end":357.255,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.254632830619812},{"word":"asset","start":357.255,"end":357.57498,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.1499624252319336},{"word":"allocation","start":357.57498,"end":358.07498,"confidence":0.9995117,"punctuated_word":"allocation.","sentiment":"neutral","sentiment_score":0.17228755354881287},{"word":"so","start":359.67,"end":359.91,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09815337508916856},{"word":"the","start":359.91,"end":359.99002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09362154453992844},{"word":"main","start":359.99002,"end":360.15002,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1313968002796173},{"word":"thing","start":360.15002,"end":360.31,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1352202445268631},{"word":"i","start":360.31,"end":360.39,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08887708187103271},{"word":"wanted","start":360.39,"end":360.71002,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07941171526908875},{"word":"to","start":360.71002,"end":360.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07512618601322174},{"word":"point","start":360.79,"end":360.95,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.08455958217382431},{"word":"out","start":360.95,"end":361.11002,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.080633744597435},{"word":"here","start":361.11002,"end":361.35,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0786343663930893},{"word":"is","start":361.35,"end":361.43002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07219703495502472},{"word":"that","start":361.43002,"end":361.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.054620154201984406},{"word":"with","start":361.67,"end":361.91,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04958709701895714},{"word":"growth","start":361.91,"end":362.41,"confidence":0.9975586,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.05557812377810478},{"word":"you're","start":362.63,"end":363.03,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03994561731815338},{"word":"generally","start":363.03,"end":363.51,"confidence":0.99902344,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.042804915457963943},{"word":"sitting","start":363.51,"end":363.83002,"confidence":0.9951172,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.07814859598875046},{"word":"between","start":363.83002,"end":364.31,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.07062773406505585},{"word":"80","start":364.31,"end":364.81,"confidence":1.0,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.06685664504766464},{"word":"to","start":364.87003,"end":365.37003,"confidence":0.9135742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05684441328048706},{"word":"90%","start":365.43002,"end":366.23,"confidence":0.9995117,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.0744130089879036},{"word":"growth","start":366.23,"end":366.55002,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06191634014248848},{"word":"assets","start":366.55002,"end":367.05002,"confidence":0.98657227,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.0461810939013958},{"word":"you're","start":367.59,"end":367.91,"confidence":0.90405273,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.04169106483459473},{"word":"in","start":367.91,"end":368.15002,"confidence":0.6635742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.052847594022750854},{"word":"the","start":368.15002,"end":368.23,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04215402901172638},{"word":"middle","start":368.23,"end":368.55002,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.040709879249334335},{"word":"row","start":368.55002,"end":368.71002,"confidence":0.6713867,"punctuated_word":"row,","sentiment":"neutral","sentiment_score":0.04459936544299126},{"word":"it","start":368.71002,"end":368.79,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03990675508975983},{"word":"says","start":368.79,"end":369.03,"confidence":0.9951172,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.041255272924900055},{"word":"growth","start":369.03,"end":369.35,"confidence":0.97802734,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.02526894584298134},{"word":"total","start":369.35,"end":369.67,"confidence":0.99902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.024394888430833817},{"word":"in","start":369.67,"end":369.91,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018259810283780094},{"word":"gray","start":369.91,"end":370.23,"confidence":0.9592285,"punctuated_word":"gray.","sentiment":"neutral","sentiment_score":0.01017984002828598},{"word":"don't","start":370.23,"end":370.47,"confidence":0.751709,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.00711101945489645},{"word":"know","start":370.47,"end":370.55002,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.01814504712820053},{"word":"if","start":370.55002,"end":370.63,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.002031402662396431},{"word":"you","start":370.63,"end":370.71002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0021694712340831757},{"word":"can","start":370.71002,"end":370.87,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.005380652844905853},{"word":"sort","start":370.87,"end":371.11002,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.017388965934515},{"word":"of","start":371.11002,"end":371.19,"confidence":0.9604492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01921520009636879},{"word":"make","start":371.19,"end":371.43002,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.019705068320035934},{"word":"out","start":371.43002,"end":371.59,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03152098506689072},{"word":"those","start":371.59,"end":371.75,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.02643433958292007},{"word":"figures","start":371.75,"end":372.07,"confidence":1.0,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.008733559399843216},{"word":"in","start":372.07,"end":372.23,"confidence":0.9482422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01663520187139511},{"word":"the","start":372.23,"end":372.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02571709081530571},{"word":"tape","start":372.39,"end":372.735,"confidence":0.85961914,"punctuated_word":"tape.","sentiment":"neutral","sentiment_score":0.03133700415492058},{"word":"yep","start":373.935,"end":374.25497,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10289271920919418},{"word":"so","start":374.25497,"end":374.57498,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07781415432691574},{"word":"80","start":374.57498,"end":374.81497,"confidence":0.99609375,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.11112850904464722},{"word":"is","start":374.81497,"end":374.97498,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08300821483135223},{"word":"the","start":374.97498,"end":375.13498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08884866535663605},{"word":"risk","start":375.13498,"end":375.375,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04808132350444794},{"word":"profile","start":375.375,"end":375.85498,"confidence":0.75146484,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.03507832810282707},{"word":"87","start":375.85498,"end":376.41498,"confidence":0.9995117,"punctuated_word":"87","sentiment":"neutral","sentiment_score":0.06728246808052063},{"word":"is","start":376.41498,"end":376.57498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02868872508406639},{"word":"where","start":376.57498,"end":376.895,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02600016817450523},{"word":"you","start":376.895,"end":376.97498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028548531234264377},{"word":"were","start":376.97498,"end":377.47498,"confidence":0.9448242,"punctuated_word":"were,","sentiment":"neutral","sentiment_score":0.04608612507581711},{"word":"and","start":377.615,"end":378.09497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06842045485973358},{"word":"just","start":378.09497,"end":378.335,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06578433513641357},{"word":"under","start":378.335,"end":378.735,"confidence":0.9921875,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.07610441744327545},{"word":"85","start":378.735,"end":379.215,"confidence":0.9995117,"punctuated_word":"85","sentiment":"neutral","sentiment_score":0.05176744982600212},{"word":"once","start":379.215,"end":379.455,"confidence":0.9550781,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.04575122892856598},{"word":"we","start":379.455,"end":379.69498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.035553619265556335},{"word":"rebalance","start":379.69498,"end":380.19498,"confidence":0.98828125,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.043765440583229065},{"word":"everything","start":380.335,"end":380.835,"confidence":0.7130127,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.06321984529495239},{"word":"pretty","start":381.215,"end":381.455,"confidence":0.9980469,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.18847914040088656},{"word":"well","start":381.455,"end":381.935,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.19473034143447876},{"word":"in","start":381.935,"end":382.09497,"confidence":0.9716797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17689906060695648},{"word":"line","start":382.09497,"end":382.59497,"confidence":0.77368164,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.2018425017595291},{"word":"but","start":382.81497,"end":383.13498,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14406007528305054},{"word":"that's","start":383.13498,"end":383.53497,"confidence":0.8339844,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12142646312713624},{"word":"fee","start":383.53497,"end":383.85498,"confidence":0.9291992,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.10603109002113342},{"word":"comparison","start":383.85498,"end":384.35498,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.0955258458852768},{"word":"on","start":384.57498,"end":384.735,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10308842360973358},{"word":"the","start":384.735,"end":384.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.105875663459301},{"word":"next","start":384.895,"end":385.215,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09727510809898376},{"word":"page","start":385.215,"end":385.53497,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10571669787168504},{"word":"for","start":385.53497,"end":385.775,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09213994443416595},{"word":"me","start":385.775,"end":386.16,"confidence":0.9995117,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.08469942212104797},{"word":"now","start":388.08002,"end":388.4,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.056817639619112015},{"word":"top","start":388.4,"end":388.72,"confidence":0.9560547,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.06689034402370453},{"word":"right","start":388.72,"end":389.12,"confidence":0.9946289,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":0.09752822667360306},{"word":"that's","start":389.12,"end":389.44,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06040161848068237},{"word":"got","start":389.44,"end":389.76,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07170496881008148},{"word":"the","start":389.76,"end":390.16,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07263964414596558},{"word":"capital","start":390.16,"end":390.56,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.002122439444065094},{"word":"gains","start":390.56,"end":390.96,"confidence":0.9951172,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.01392865926027298},{"word":"tax","start":390.96,"end":391.44,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.0706712082028389},{"word":"implication","start":391.44,"end":391.94,"confidence":0.9980469,"punctuated_word":"implication","sentiment":"neutral","sentiment_score":0.047044798731803894},{"word":"factored","start":392.56,"end":392.88,"confidence":0.9995117,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.07559943199157715},{"word":"in","start":392.88,"end":393.38,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06626053154468536},{"word":"for","start":393.6,"end":393.92,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03393153101205826},{"word":"switching","start":393.92,"end":394.24,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.03978068381547928},{"word":"the","start":394.24,"end":394.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03760892525315285},{"word":"investments","start":394.4,"end":394.8,"confidence":0.9069824,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.008540000766515732},{"word":"but","start":394.8,"end":394.96,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.032414644956588745},{"word":"you","start":394.96,"end":395.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02577066794037819},{"word":"can","start":395.12,"end":395.36002,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.030794557183980945},{"word":"see","start":395.36002,"end":395.52,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05475877597928047},{"word":"there","start":395.52,"end":396.02,"confidence":0.9633789,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.026354290544986725},{"word":"the","start":396.24,"end":396.4,"confidence":0.9472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015595883131027222},{"word":"investment","start":396.4,"end":396.9,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.023188672959804535},{"word":"fees","start":396.96,"end":397.44,"confidence":0.9770508,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.02865242399275303},{"word":"we're","start":397.44,"end":397.68,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.117657870054245},{"word":"able","start":397.68,"end":398.0,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.14442628622055054},{"word":"to","start":398.0,"end":398.08002,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12488989531993866},{"word":"get","start":398.08002,"end":398.32,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1021949052810669},{"word":"them","start":398.32,"end":398.72,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03299921751022339},{"word":"below","start":398.72,"end":399.2,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.09439710527658464},{"word":"half","start":399.2,"end":399.7,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.10100135952234268},{"word":"by","start":400.0,"end":400.16,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03980433940887451},{"word":"switching","start":400.16,"end":400.56,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.043664537370204926},{"word":"these","start":400.56,"end":400.8,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0064003244042396545},{"word":"investments","start":400.8,"end":401.3,"confidence":1.0,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03262292593717575},{"word":"around","start":401.36002,"end":401.86002,"confidence":0.99316406,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":0.04878582805395126},{"word":"so","start":403.785,"end":403.905,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17931488156318665},{"word":"it","start":403.905,"end":404.025,"confidence":0.9560547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16687363386154175},{"word":"goes","start":404.025,"end":404.26498,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.15374529361724854},{"word":"from","start":404.26498,"end":404.505,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14219361543655396},{"word":"two","start":404.505,"end":404.66498,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.14078789949417114},{"word":"two","start":404.66498,"end":404.905,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1102895885705948},{"word":"eight","start":404.905,"end":405.065,"confidence":0.9970703,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.1086491122841835},{"word":"eight","start":405.065,"end":405.305,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.1064145416021347},{"word":"to","start":405.305,"end":405.465,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10758006572723389},{"word":"nine","start":405.465,"end":405.705,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.11897487193346024},{"word":"five","start":405.705,"end":405.94498,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.10337938368320464},{"word":"two","start":405.94498,"end":406.345,"confidence":0.9807129,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.11626321077346802},{"word":"they","start":406.345,"end":406.585,"confidence":0.99902344,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.11652618646621704},{"word":"are","start":406.585,"end":406.745,"confidence":0.8911133,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10725536197423936},{"word":"percentage","start":406.745,"end":407.22498,"confidence":0.99121094,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.1491619199514389},{"word":"based","start":407.22498,"end":407.465,"confidence":0.9145508,"punctuated_word":"based,","sentiment":"neutral","sentiment_score":0.13616201281547546},{"word":"so","start":407.465,"end":407.625,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12624438107013702},{"word":"it","start":407.625,"end":407.785,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13342438638210297},{"word":"changes","start":407.785,"end":408.185,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.09137841314077376},{"word":"based","start":408.185,"end":408.425,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.11608454585075378},{"word":"on","start":408.425,"end":408.585,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12561525404453278},{"word":"your","start":408.585,"end":408.82498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10452064871788024},{"word":"balance","start":408.82498,"end":409.145,"confidence":0.9206543,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.09750288724899292},{"word":"but","start":409.145,"end":409.38498,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13019385933876038},{"word":"that's","start":409.38498,"end":409.54498,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1390012800693512},{"word":"an","start":409.54498,"end":409.785,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13263237476348877},{"word":"estimate","start":409.785,"end":410.26498,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.12281250953674316},{"word":"based","start":410.26498,"end":410.505,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.13903915882110596},{"word":"on","start":410.505,"end":411.005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1721600592136383},{"word":"the","start":411.94498,"end":412.10498,"confidence":0.88964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15492960810661316},{"word":"date","start":412.10498,"end":412.345,"confidence":0.96240234,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.148956760764122},{"word":"the","start":412.345,"end":412.505,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1357784867286682},{"word":"document","start":412.505,"end":412.905,"confidence":0.95703125,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.13017597794532776},{"word":"was","start":412.905,"end":413.145,"confidence":0.8496094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.14784803986549375},{"word":"generated","start":413.145,"end":413.645,"confidence":0.7717285,"punctuated_word":"generated.","sentiment":"neutral","sentiment_score":0.1505063623189926},{"word":"and","start":414.10498,"end":414.425,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12467080354690552},{"word":"i","start":414.425,"end":414.585,"confidence":0.78222656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13264766335487366},{"word":"factored","start":414.585,"end":414.985,"confidence":0.9890137,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.12178033590316772},{"word":"in","start":414.985,"end":415.145,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12290805578231812},{"word":"the","start":415.145,"end":415.22498,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11930789798498154},{"word":"contributions","start":415.22498,"end":415.72498,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.09871818125247955},{"word":"as","start":416.425,"end":416.505,"confidence":0.93359375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12818774580955505},{"word":"well","start":416.505,"end":416.82498,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.14237919449806213},{"word":"as","start":416.82498,"end":417.32498,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1520281583070755},{"word":"the","start":418.05002,"end":418.21002,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18796145915985107},{"word":"premiums","start":418.21002,"end":418.69,"confidence":1.0,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.1534864604473114},{"word":"for","start":418.69,"end":418.85,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13624319434165957},{"word":"that","start":418.85,"end":419.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1492825150489807},{"word":"new","start":419.09,"end":419.57,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.07901053875684738},{"word":"insurance","start":419.57,"end":420.07,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.08867459744215012},{"word":"cover","start":420.13,"end":420.53,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.07745801657438278},{"word":"as","start":420.53,"end":420.69,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1258196234703064},{"word":"well","start":420.69,"end":421.19,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10101094096899033},{"word":"the","start":422.93,"end":423.43,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15273651480674744},{"word":"performance","start":423.65,"end":424.15,"confidence":0.9980469,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.1696714013814926},{"word":"at","start":424.21002,"end":424.29,"confidence":0.97509766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19866615533828735},{"word":"the","start":424.29,"end":424.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2406497299671173},{"word":"bottom","start":424.45,"end":424.95,"confidence":0.9975586,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.2325427532196045},{"word":"it","start":425.01,"end":425.17,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22589325904846191},{"word":"kinda","start":425.17,"end":425.49002,"confidence":0.9277344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1778264343738556},{"word":"just","start":425.49002,"end":425.65,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16977286338806152},{"word":"brings","start":425.65,"end":425.97,"confidence":1.0,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.21746651828289032},{"word":"you","start":425.97,"end":426.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22074663639068604},{"word":"back","start":426.13,"end":426.37,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2719809412956238},{"word":"up","start":426.37,"end":426.53,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.23506711423397064},{"word":"into","start":426.53,"end":426.85,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.28592362999916077},{"word":"double","start":426.85,"end":427.09,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.29462161660194397},{"word":"digits","start":427.09,"end":427.59,"confidence":1.0,"punctuated_word":"digits","sentiment":"neutral","sentiment_score":0.30172649025917053},{"word":"by","start":427.65,"end":428.15,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1865992695093155},{"word":"updating","start":428.45,"end":428.93,"confidence":0.99902344,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.19439220428466797},{"word":"the","start":428.93,"end":429.09,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17219729721546173},{"word":"portfolio","start":429.09,"end":429.59,"confidence":0.9506836,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.15018412470817566},{"word":"but","start":429.89,"end":430.05002,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12895523011684418},{"word":"the","start":430.05002,"end":430.21002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1006385013461113},{"word":"main","start":430.21002,"end":430.37,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.09896385669708252},{"word":"thing","start":430.37,"end":430.61002,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.17022620141506195},{"word":"is","start":430.61002,"end":430.77002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10122667998075484},{"word":"just","start":430.77002,"end":431.01,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09801626205444336},{"word":"the","start":431.01,"end":431.09,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18429498374462128},{"word":"fee","start":431.09,"end":431.41,"confidence":0.9770508,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.13809871673583984},{"word":"savings","start":431.41,"end":431.81,"confidence":0.99316406,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.12987230718135834},{"word":"there","start":431.81,"end":432.31,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12255799770355225},{"word":"okay","start":433.545,"end":433.865,"confidence":0.81884766,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1958741843700409},{"word":"so","start":433.865,"end":434.105,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1962668001651764},{"word":"we'll","start":434.105,"end":434.185,"confidence":0.68603516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.21000288426876068},{"word":"kinda","start":434.185,"end":434.505,"confidence":0.7915039,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.20286360383033752},{"word":"offset","start":434.505,"end":434.825,"confidence":0.9980469,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.1578630805015564},{"word":"the","start":434.825,"end":434.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1328127533197403},{"word":"premiums","start":434.905,"end":435.305,"confidence":1.0,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.10088270902633668},{"word":"a","start":435.305,"end":435.385,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1778343915939331},{"word":"little","start":435.385,"end":435.545,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10820061713457108},{"word":"bit","start":435.545,"end":436.025,"confidence":0.81030273,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.14317333698272705},{"word":"and","start":436.025,"end":436.265,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18818630278110504},{"word":"i've","start":436.265,"end":436.425,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22496607899665833},{"word":"given","start":436.425,"end":436.665,"confidence":0.99902344,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.2272004932165146},{"word":"you","start":436.665,"end":436.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21843071281909943},{"word":"an","start":436.825,"end":437.065,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17925158143043518},{"word":"updated","start":437.065,"end":437.545,"confidence":0.9863281,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1920326054096222},{"word":"projection","start":437.545,"end":438.045,"confidence":1.0,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.2000601887702942},{"word":"on","start":438.265,"end":438.425,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1882363557815552},{"word":"the","start":438.425,"end":438.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1801639199256897},{"word":"next","start":438.505,"end":438.825,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.14200687408447266},{"word":"page","start":438.825,"end":439.325,"confidence":0.9321289,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.16027328372001648},{"word":"which","start":439.785,"end":440.285,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13591162860393524},{"word":"with","start":440.985,"end":441.145,"confidence":0.55126953,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07267265021800995},{"word":"a","start":441.145,"end":441.225,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07293309271335602},{"word":"grain","start":441.225,"end":441.545,"confidence":0.9941406,"punctuated_word":"grain","sentiment":"neutral","sentiment_score":0.020528845489025116},{"word":"of","start":441.545,"end":441.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03705799579620361},{"word":"salt","start":441.705,"end":441.865,"confidence":1.0,"punctuated_word":"salt","sentiment":"neutral","sentiment_score":0.03431108966469765},{"word":"somewhere","start":441.865,"end":442.265,"confidence":0.5058594,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.07048974186182022},{"word":"between","start":442.265,"end":442.585,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.012223675847053528},{"word":"1","start":442.585,"end":442.825,"confidence":1.0,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.05985531955957413},{"word":"to","start":442.825,"end":442.985,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048612773418426514},{"word":"400,000","start":442.985,"end":443.945,"confidence":1.0,"punctuated_word":"400,000","sentiment":"neutral","sentiment_score":0.13207925856113434},{"word":"extra","start":443.945,"end":444.425,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.11991100013256072},{"word":"over","start":444.425,"end":444.665,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12478452175855637},{"word":"the","start":444.665,"end":444.825,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13115878403186798},{"word":"next","start":444.825,"end":445.065,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0940547063946724},{"word":"five","start":445.065,"end":445.305,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.13527163863182068},{"word":"and","start":445.305,"end":445.465,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13160693645477295},{"word":"ten","start":445.465,"end":445.785,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.14311282336711884},{"word":"years","start":445.785,"end":446.28,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.13198184967041016},{"word":"if","start":446.44,"end":446.68,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12513276934623718},{"word":"the","start":446.68,"end":446.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09827426075935364},{"word":"markets","start":446.76,"end":447.24,"confidence":0.9741211,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.12290234863758089},{"word":"continue","start":447.24,"end":447.63998,"confidence":0.9980469,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.09291981905698776},{"word":"to","start":447.63998,"end":447.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13635995984077454},{"word":"go","start":447.72,"end":447.88,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.206938698887825},{"word":"the","start":447.88,"end":448.04,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19373205304145813},{"word":"way","start":448.04,"end":448.2,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1959862858057022},{"word":"they","start":448.2,"end":448.36,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10814502835273744},{"word":"have","start":448.36,"end":448.6,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1194479689002037},{"word":"been","start":448.6,"end":449.1,"confidence":0.98950195,"punctuated_word":"been.","sentiment":"neutral","sentiment_score":0.11926340311765672},{"word":"k","start":450.84,"end":451.34,"confidence":0.8310547,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.10309460759162904},{"word":"performance","start":452.2,"end":452.7,"confidence":0.9033203,"punctuated_word":"Performance,","sentiment":"positive","sentiment_score":0.5772004723548889},{"word":"it","start":452.84,"end":453.08,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6710116267204285},{"word":"just","start":453.08,"end":453.24,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6174815893173218},{"word":"brings","start":453.24,"end":453.56,"confidence":1.0,"punctuated_word":"brings","sentiment":"positive","sentiment_score":0.6736514568328857},{"word":"it","start":453.56,"end":453.72,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7003623843193054},{"word":"all","start":453.72,"end":453.88,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6048161387443542},{"word":"up","start":453.88,"end":454.04,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6980782151222229},{"word":"back","start":454.04,"end":454.2,"confidence":0.9873047,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.6583936214447021},{"word":"into","start":454.2,"end":454.52,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6668360829353333},{"word":"double","start":454.52,"end":454.76,"confidence":1.0,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.663715660572052},{"word":"digits","start":454.76,"end":455.16,"confidence":0.99902344,"punctuated_word":"digits","sentiment":"positive","sentiment_score":0.6548563241958618},{"word":"across","start":455.16,"end":455.56,"confidence":0.99902344,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.4852414131164551},{"word":"all","start":455.56,"end":455.72,"confidence":0.9921875,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5249279141426086},{"word":"time","start":455.72,"end":455.96,"confidence":0.82470703,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.40341517329216},{"word":"frames","start":455.96,"end":456.46,"confidence":0.9909668,"punctuated_word":"frames.","sentiment":"positive","sentiment_score":0.4535561800003052},{"word":"do","start":457.32,"end":457.48,"confidence":0.96777344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.1750635802745819},{"word":"you","start":457.48,"end":457.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16367115080356598},{"word":"have","start":457.56,"end":457.72,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1771223247051239},{"word":"any","start":457.72,"end":457.88,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1478680670261383},{"word":"questions","start":457.88,"end":458.2,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.16021834313869476},{"word":"on","start":458.2,"end":458.36,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13211020827293396},{"word":"the","start":458.36,"end":458.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20273108780384064},{"word":"super","start":458.44,"end":458.76,"confidence":0.8925781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1848386973142624},{"word":"side","start":458.76,"end":459.0,"confidence":0.9633789,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.2663697898387909},{"word":"so","start":459.0,"end":459.16,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1882118582725525},{"word":"far","start":459.16,"end":459.66,"confidence":1.0,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.18383878469467163},{"word":"perfect","start":462.24503,"end":462.565,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.549047589302063},{"word":"so","start":462.565,"end":462.725,"confidence":0.78271484,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.28365492820739746},{"word":"basically","start":462.725,"end":463.225,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.29169782996177673},{"word":"new","start":463.605,"end":463.845,"confidence":0.99609375,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.3720245063304901},{"word":"investments","start":463.845,"end":464.345,"confidence":0.9980469,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.28683674335479736},{"word":"extra","start":464.40503,"end":464.725,"confidence":1.0,"punctuated_word":"extra","sentiment":"positive","sentiment_score":0.3607457876205444},{"word":"contributions","start":464.725,"end":465.225,"confidence":0.9975586,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.32307296991348267},{"word":"huge","start":465.445,"end":465.765,"confidence":0.99902344,"punctuated_word":"huge","sentiment":"positive","sentiment_score":0.574081540107727},{"word":"impact","start":465.765,"end":466.24503,"confidence":1.0,"punctuated_word":"impact","sentiment":"positive","sentiment_score":0.5445467829704285},{"word":"there","start":466.24503,"end":466.725,"confidence":0.8913574,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.39123016595840454},{"word":"and","start":466.725,"end":466.96503,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1948721557855606},{"word":"the","start":466.96503,"end":467.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16955506801605225},{"word":"main","start":467.125,"end":467.36502,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1954826861619949},{"word":"one","start":467.36502,"end":467.52502,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18304136395454407},{"word":"that","start":467.52502,"end":467.68503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1868736743927002},{"word":"i","start":467.68503,"end":467.765,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17479801177978516},{"word":"wanted","start":467.765,"end":468.08502,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.16534128785133362},{"word":"to","start":468.08502,"end":468.165,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16104738414287567},{"word":"walk","start":468.165,"end":468.325,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.17957809567451477},{"word":"you","start":468.325,"end":468.48502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16578614711761477},{"word":"through","start":468.48502,"end":468.725,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.153750479221344},{"word":"is","start":468.725,"end":468.80502,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12042752653360368},{"word":"just","start":468.80502,"end":469.045,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14095935225486755},{"word":"for","start":469.045,"end":469.20502,"confidence":0.7397461,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08986064791679382},{"word":"this","start":469.20502,"end":469.36502,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1186843365430832},{"word":"insurance","start":469.36502,"end":469.86502,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1406802386045456},{"word":"policy","start":469.92502,"end":470.325,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.08115249872207642},{"word":"on","start":470.325,"end":470.48502,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13021382689476013},{"word":"the","start":470.48502,"end":470.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13932210206985474},{"word":"next","start":470.565,"end":470.885,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10148477554321288},{"word":"page","start":470.885,"end":471.385,"confidence":0.98950195,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.1179983839392662},{"word":"we've","start":472.5,"end":472.9,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.0905940756201744},{"word":"gone","start":472.9,"end":473.3,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.08270160853862762},{"word":"for","start":473.3,"end":473.7,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07428649812936783},{"word":"tau","start":473.7,"end":474.2,"confidence":0.7197673,"punctuated_word":"tau.","sentiment":"neutral","sentiment_score":0.09861379861831664},{"word":"so","start":474.5,"end":474.9,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1046292632818222},{"word":"when","start":474.9,"end":475.13998,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1196179911494255},{"word":"you","start":475.13998,"end":475.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1175997480750084},{"word":"did","start":475.22,"end":475.38,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11774352937936784},{"word":"that","start":475.38,"end":475.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16078418493270874},{"word":"pre","start":475.62,"end":475.86,"confidence":0.9921875,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.1207924634218216},{"word":"assessment","start":475.86,"end":476.34,"confidence":0.95703125,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.129179447889328},{"word":"with","start":476.34,"end":476.58,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08854517340660095},{"word":"caden","start":476.58,"end":477.08,"confidence":0.8421224,"punctuated_word":"Caden,","sentiment":"neutral","sentiment_score":0.10631227493286131},{"word":"we","start":477.22,"end":477.46,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12261686474084854},{"word":"called","start":477.46,"end":477.78,"confidence":0.9980469,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.07370302826166153},{"word":"around","start":477.78,"end":478.1,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.09683210402727128},{"word":"and","start":478.1,"end":478.26,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09773259609937668},{"word":"tried","start":478.26,"end":478.5,"confidence":0.97265625,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":0.08965612947940826},{"word":"to","start":478.5,"end":478.58,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10628041625022888},{"word":"see","start":478.58,"end":478.82,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07935647666454315},{"word":"who","start":478.82,"end":478.98,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.06189122796058655},{"word":"would","start":478.98,"end":479.22,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10714323818683624},{"word":"offer","start":479.22,"end":479.38,"confidence":1.0,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.11158587783575058},{"word":"you","start":479.38,"end":479.54,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13491004705429077},{"word":"the","start":479.54,"end":479.7,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12532280385494232},{"word":"best","start":479.7,"end":480.02,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.10823577642440796},{"word":"outcome","start":480.02,"end":480.52,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.17571943998336792},{"word":"in","start":480.9,"end":481.13998,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09615161269903184},{"word":"terms","start":481.13998,"end":481.54,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.10914462059736252},{"word":"of","start":481.54,"end":481.94,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1695828139781952},{"word":"price","start":481.94,"end":482.44,"confidence":0.99365234,"punctuated_word":"price,","sentiment":"neutral","sentiment_score":0.18603797256946564},{"word":"quality","start":482.82,"end":483.32,"confidence":0.98950195,"punctuated_word":"quality,","sentiment":"neutral","sentiment_score":0.1679443120956421},{"word":"and","start":483.54,"end":484.02,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17663617432117462},{"word":"medical","start":484.02,"end":484.52,"confidence":0.8432617,"punctuated_word":"medical,","sentiment":"neutral","sentiment_score":0.1636124551296234},{"word":"and","start":485.06,"end":485.56,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3343072831630707},{"word":"tau","start":485.62,"end":485.86,"confidence":0.9436035,"punctuated_word":"tau","sentiment":"positive","sentiment_score":0.47252157330513},{"word":"came","start":485.86,"end":486.1,"confidence":1.0,"punctuated_word":"came","sentiment":"positive","sentiment_score":0.4866895079612732},{"word":"out","start":486.1,"end":486.26,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4846833646297455},{"word":"the","start":486.26,"end":486.34,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42618152499198914},{"word":"best","start":486.34,"end":486.58,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.34685418009757996},{"word":"across","start":486.58,"end":486.98,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.3304949700832367},{"word":"all","start":486.98,"end":487.22,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.29370689392089844},{"word":"three","start":487.22,"end":487.695,"confidence":1.0,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.2280903607606888},{"word":"so","start":488.89502,"end":489.215,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20668041706085205},{"word":"this","start":489.215,"end":489.375,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23041953146457672},{"word":"is","start":489.375,"end":489.61502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.181769460439682},{"word":"essentially","start":489.61502,"end":490.11502,"confidence":0.9667969,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.17054083943367004},{"word":"a","start":490.33502,"end":490.495,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20307783782482147},{"word":"million","start":490.495,"end":490.73502,"confidence":0.9980469,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.22924965620040896},{"word":"dollars","start":490.73502,"end":491.055,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.21362927556037903},{"word":"worth","start":491.055,"end":491.215,"confidence":0.95410156,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.2197541743516922},{"word":"of","start":491.215,"end":491.375,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17696386575698853},{"word":"life","start":491.375,"end":491.535,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.22453604638576508},{"word":"and","start":491.535,"end":491.775,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20033791661262512},{"word":"disability","start":491.775,"end":492.255,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.15353554487228394},{"word":"cover","start":492.255,"end":492.755,"confidence":0.97680664,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.17339655756950378},{"word":"income","start":493.055,"end":493.375,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11106976866722108},{"word":"protection","start":493.375,"end":493.855,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.11144277453422546},{"word":"based","start":493.855,"end":494.17502,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.13963162899017334},{"word":"on","start":494.17502,"end":494.33502,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1787361055612564},{"word":"your","start":494.33502,"end":494.495,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19199898838996887},{"word":"new","start":494.495,"end":494.73502,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.14430473744869232},{"word":"income","start":494.73502,"end":495.23502,"confidence":0.98291016,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.13926732540130615},{"word":"thirteen","start":496.73502,"end":497.135,"confidence":0.6430664,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":0.18532413244247437},{"word":"week","start":497.135,"end":497.375,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.1711025834083557},{"word":"waiting","start":497.375,"end":497.695,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.16142617166042328},{"word":"period","start":497.695,"end":497.935,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.16988898813724518},{"word":"because","start":497.935,"end":498.17502,"confidence":0.89746094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14796453714370728},{"word":"you've","start":498.17502,"end":498.33502,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.18494443595409393},{"word":"got","start":498.33502,"end":498.495,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22325141727924347},{"word":"a","start":498.495,"end":498.575,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19982567429542544},{"word":"bit","start":498.575,"end":498.73502,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2149337977170944},{"word":"of","start":498.73502,"end":498.815,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21413002908229828},{"word":"savings","start":498.815,"end":499.135,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.18073134124279025},{"word":"under","start":499.135,"end":499.45502,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.28536003828048706},{"word":"the","start":499.45502,"end":499.61502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21819239854812625},{"word":"belt","start":499.61502,"end":500.095,"confidence":0.97265625,"punctuated_word":"belt,","sentiment":"neutral","sentiment_score":0.19863903522491455},{"word":"and","start":500.095,"end":500.495,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12720592319965365},{"word":"five","start":500.495,"end":500.73502,"confidence":0.99609375,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.13411127030849457},{"word":"year","start":500.73502,"end":500.975,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16064175963401794},{"word":"benefit","start":500.975,"end":501.45502,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.13802358508110046},{"word":"period","start":501.45502,"end":501.95502,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.20843666791915896},{"word":"as","start":502.095,"end":502.255,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16396033763885498},{"word":"well","start":502.255,"end":502.755,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.142230823636055},{"word":"cool","start":503.49002,"end":503.99002,"confidence":0.77197266,"punctuated_word":"Cool?","sentiment":"neutral","sentiment_score":0.3173491954803467},{"word":"now","start":504.37,"end":504.69,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1753072291612625},{"word":"the","start":504.69,"end":504.93002,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09221237897872923},{"word":"only","start":504.93002,"end":505.33002,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.045808181166648865},{"word":"tweak","start":505.33002,"end":505.65002,"confidence":0.9980469,"punctuated_word":"tweak","sentiment":"neutral","sentiment_score":0.04170435667037964},{"word":"for","start":505.65002,"end":505.73,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0434725247323513},{"word":"this","start":505.73,"end":505.97,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04762405529618263},{"word":"one","start":505.97,"end":506.13,"confidence":0.94433594,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.021239303052425385},{"word":"there's","start":506.13,"end":506.45,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.02312427759170532},{"word":"two","start":506.45,"end":506.69,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.02707204408943653},{"word":"little","start":506.69,"end":506.93002,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05911044031381607},{"word":"things","start":506.93002,"end":507.43002,"confidence":0.9975586,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.0326249822974205},{"word":"so","start":507.89,"end":508.39,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.089630626142025},{"word":"because","start":508.69,"end":509.17,"confidence":0.97998047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10494115948677064},{"word":"of","start":509.17,"end":509.49002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08006162941455841},{"word":"the","start":509.49002,"end":509.99002,"confidence":0.9309082,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.10151802003383636},{"word":"like","start":510.69,"end":510.93002,"confidence":0.8005371,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10671937465667725},{"word":"the","start":510.93002,"end":511.09,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.105596661567688},{"word":"blood","start":511.09,"end":511.25,"confidence":0.99902344,"punctuated_word":"blood","sentiment":"neutral","sentiment_score":0.08485031872987747},{"word":"pressure","start":511.25,"end":511.57,"confidence":1.0,"punctuated_word":"pressure","sentiment":"neutral","sentiment_score":0.08935868740081787},{"word":"and","start":511.57,"end":511.73,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05198780447244644},{"word":"the","start":511.73,"end":511.81,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06908181309700012},{"word":"cholesterol","start":511.81,"end":512.31,"confidence":0.9970703,"punctuated_word":"cholesterol,","sentiment":"neutral","sentiment_score":0.06463615596294403},{"word":"they've","start":512.77,"end":513.09,"confidence":1.0,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.10945914685726166},{"word":"got","start":513.09,"end":513.33,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11568155139684676},{"word":"a","start":513.33,"end":513.41003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10812404751777648},{"word":"bit","start":513.41003,"end":513.57,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08494888246059418},{"word":"of","start":513.57,"end":513.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0992671474814415},{"word":"a","start":513.65,"end":513.81,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0768427848815918},{"word":"loading","start":513.81,"end":514.13,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.09261024743318558},{"word":"on","start":514.13,"end":514.29004,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0985974818468094},{"word":"the","start":514.29004,"end":514.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1036449521780014},{"word":"life","start":514.45,"end":514.69,"confidence":0.9980469,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06785394251346588},{"word":"cover","start":514.69,"end":515.01,"confidence":0.9604492,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.12168735265731812},{"word":"which","start":515.01,"end":515.445,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2280181050300598},{"word":"has","start":515.525,"end":515.685,"confidence":0.5498047,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2253854423761368},{"word":"just","start":515.685,"end":515.84503,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2792966365814209},{"word":"bumped","start":515.84503,"end":516.165,"confidence":0.9790039,"punctuated_word":"bumped","sentiment":"neutral","sentiment_score":0.30750831961631775},{"word":"the","start":516.165,"end":516.325,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3088681101799011},{"word":"premiums","start":516.325,"end":516.72504,"confidence":1.0,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.2714240849018097},{"word":"up","start":516.72504,"end":516.965,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3748660981655121},{"word":"a","start":516.965,"end":517.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1697331964969635},{"word":"little","start":517.045,"end":517.205,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09260932356119156},{"word":"bit","start":517.205,"end":517.605,"confidence":0.97094727,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.1179841011762619},{"word":"but","start":517.605,"end":517.765,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18900611996650696},{"word":"it","start":517.765,"end":518.005,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.39761289954185486},{"word":"still","start":518.005,"end":518.245,"confidence":0.99316406,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.384068101644516},{"word":"came","start":518.245,"end":518.405,"confidence":1.0,"punctuated_word":"came","sentiment":"positive","sentiment_score":0.524107813835144},{"word":"out","start":518.405,"end":518.645,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4956400692462921},{"word":"very","start":518.645,"end":518.885,"confidence":0.9802246,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.4665206670761109},{"word":"very","start":518.885,"end":519.125,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.47773343324661255},{"word":"good","start":519.125,"end":519.625,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3135656714439392},{"word":"and","start":520.005,"end":520.405,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00777299702167511},{"word":"the","start":520.405,"end":520.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0021078623831272125},{"word":"only","start":520.645,"end":520.805,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.025875862687826157},{"word":"other","start":520.805,"end":520.965,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0350601002573967},{"word":"thing","start":520.965,"end":521.205,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.01584121584892273},{"word":"was","start":521.205,"end":521.445,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.025675952434539795},{"word":"with","start":521.445,"end":521.605,"confidence":0.9760742,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.021351277828216553},{"word":"the","start":521.605,"end":521.685,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012145154178142548},{"word":"family","start":521.685,"end":522.005,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.01745377480983734},{"word":"history","start":522.005,"end":522.325,"confidence":1.0,"punctuated_word":"history","sentiment":"neutral","sentiment_score":-0.0189727246761322},{"word":"of","start":522.325,"end":522.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012919750064611437},{"word":"the","start":522.485,"end":522.72504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012405335903167725},{"word":"cardiomyopathy","start":522.72504,"end":523.22504,"confidence":0.9933594,"punctuated_word":"cardiomyopathy,","sentiment":"neutral","sentiment_score":-0.02252953499555588},{"word":"they've","start":524.165,"end":524.485,"confidence":1.0,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.03272860869765282},{"word":"got","start":524.485,"end":524.805,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02863866835832596},{"word":"a","start":524.805,"end":525.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04095426946878433},{"word":"a","start":525.045,"end":525.125,"confidence":0.7080078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04781113937497139},{"word":"bit","start":525.125,"end":525.28503,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06587862968444824},{"word":"of","start":525.28503,"end":525.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05156727135181427},{"word":"a","start":525.445,"end":525.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05524924769997597},{"word":"precautionary","start":525.605,"end":526.105,"confidence":0.99658203,"punctuated_word":"precautionary","sentiment":"neutral","sentiment_score":-0.07626831531524658},{"word":"exclusion","start":526.645,"end":527.145,"confidence":1.0,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.05980779975652695},{"word":"on","start":527.205,"end":527.365,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05084759742021561},{"word":"there","start":527.365,"end":527.865,"confidence":0.98095703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.033852819353342056},{"word":"for","start":528.085,"end":528.325,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02931416779756546},{"word":"that","start":528.325,"end":528.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0012336131185293198},{"word":"particular","start":528.565,"end":529.065,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.004399348050355911},{"word":"heart","start":529.125,"end":529.365,"confidence":0.99902344,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.037287309765815735},{"word":"condition","start":529.365,"end":529.865,"confidence":1.0,"punctuated_word":"condition.","sentiment":"neutral","sentiment_score":-0.029237806797027588},{"word":"now","start":531.69,"end":531.93,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.00774967297911644},{"word":"what","start":531.93,"end":532.17,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007747679948806763},{"word":"that","start":532.17,"end":532.33,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00843564048409462},{"word":"basically","start":532.33,"end":532.65,"confidence":0.9970703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.012697562575340273},{"word":"means","start":532.65,"end":532.97003,"confidence":0.99902344,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":-0.002556508406996727},{"word":"kelly","start":532.97003,"end":533.21,"confidence":0.98950195,"punctuated_word":"Kelly,","sentiment":"neutral","sentiment_score":0.005583588033914566},{"word":"is","start":533.21,"end":533.45,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010956645011901855},{"word":"they","start":533.45,"end":533.69,"confidence":0.9892578,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.006793040782213211},{"word":"actually","start":533.69,"end":533.93,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.02627437934279442},{"word":"did","start":533.93,"end":534.17,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.025521520525217056},{"word":"say","start":534.17,"end":534.33,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.027680151164531708},{"word":"that","start":534.33,"end":534.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010063953697681429},{"word":"they","start":534.49,"end":534.65,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.015100330114364624},{"word":"can","start":534.65,"end":534.81,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03317224606871605},{"word":"remove","start":534.81,"end":535.13,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.014320477843284609},{"word":"it","start":535.13,"end":535.37,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.028595734387636185},{"word":"after","start":535.37,"end":535.69,"confidence":0.98291016,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.019466210156679153},{"word":"50","start":535.69,"end":536.19,"confidence":0.9880371,"punctuated_word":"50.","sentiment":"neutral","sentiment_score":-0.004416929557919502},{"word":"so","start":536.33,"end":536.57,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02436523884534836},{"word":"as","start":536.57,"end":536.73,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04694501310586929},{"word":"soon","start":536.73,"end":536.89,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.044375285506248474},{"word":"as","start":536.89,"end":537.05,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03263770416378975},{"word":"you","start":537.05,"end":537.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04401859641075134},{"word":"get","start":537.21,"end":537.37,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03480807691812515},{"word":"through","start":537.37,"end":537.61,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.028461631387472153},{"word":"to","start":537.61,"end":537.77,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033925946801900864},{"word":"age","start":537.77,"end":538.09,"confidence":0.99902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.03442232310771942},{"word":"50","start":538.09,"end":538.49,"confidence":1.0,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.06303472816944122},{"word":"with","start":538.49,"end":538.73,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0756196603178978},{"word":"no","start":538.73,"end":538.97003,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06199932843446731},{"word":"issues","start":538.97003,"end":539.47003,"confidence":1.0,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":0.0392284020781517},{"word":"we","start":539.61,"end":539.77,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.056322455406188965},{"word":"could","start":539.77,"end":540.01,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.10526945441961288},{"word":"have","start":540.01,"end":540.25,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10526497662067412},{"word":"that","start":540.25,"end":540.41003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06453558057546616},{"word":"reviewed","start":540.41003,"end":540.81,"confidence":0.99902344,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":0.028293438255786896},{"word":"and","start":540.81,"end":541.05,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03418731689453125},{"word":"potentially","start":541.05,"end":541.53,"confidence":0.9873047,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.01703391969203949},{"word":"removed","start":541.53,"end":541.93,"confidence":0.9790039,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.004372619092464447},{"word":"pretty","start":541.93,"end":542.17,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.0668516457080841},{"word":"much","start":542.17,"end":542.41003,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.014535389840602876},{"word":"straight","start":542.41003,"end":542.65,"confidence":0.99902344,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.01741815358400345},{"word":"away","start":542.65,"end":543.15,"confidence":0.8635254,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.003755047917366028},{"word":"k","start":544.795,"end":545.275,"confidence":0.80322266,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.03887903690338135},{"word":"so","start":545.275,"end":545.515,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.043969716876745224},{"word":"all","start":545.515,"end":545.755,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06319722533226013},{"word":"i've","start":545.755,"end":545.835,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08113887161016464},{"word":"done","start":545.835,"end":546.075,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.07765078544616699},{"word":"here","start":546.075,"end":546.235,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.07553250342607498},{"word":"is","start":546.235,"end":546.395,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08311846852302551},{"word":"i've","start":546.395,"end":546.47504,"confidence":0.982666,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09834182262420654},{"word":"just","start":546.47504,"end":546.715,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08720329403877258},{"word":"said","start":546.715,"end":546.955,"confidence":0.7883301,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.07919773459434509},{"word":"with","start":546.955,"end":547.115,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06384480744600296},{"word":"your","start":547.115,"end":547.355,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.048702068626880646},{"word":"existing","start":547.355,"end":547.835,"confidence":0.99316406,"punctuated_word":"existing,","sentiment":"neutral","sentiment_score":0.0652816891670227},{"word":"it","start":547.835,"end":547.995,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04646036773920059},{"word":"may","start":547.995,"end":548.235,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.004185788333415985},{"word":"seem","start":548.235,"end":548.47504,"confidence":1.0,"punctuated_word":"seem","sentiment":"neutral","sentiment_score":0.014372818171977997},{"word":"a","start":548.47504,"end":548.555,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002266738563776016},{"word":"bit","start":548.555,"end":548.795,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.030491158366203308},{"word":"strange","start":548.795,"end":549.295,"confidence":0.92529297,"punctuated_word":"strange,","sentiment":"neutral","sentiment_score":-0.03271336480975151},{"word":"but","start":549.435,"end":549.675,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.006750546395778656},{"word":"that","start":549.675,"end":549.915,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06813446432352066},{"word":"little","start":549.915,"end":550.075,"confidence":0.9921875,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08929933607578278},{"word":"bit","start":550.075,"end":550.235,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0768963173031807},{"word":"of","start":550.235,"end":550.395,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05877472832798958},{"word":"life","start":550.395,"end":550.715,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0873217061161995},{"word":"cover","start":550.715,"end":551.115,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.06957144290208817},{"word":"and","start":551.115,"end":551.275,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09058978408575058},{"word":"income","start":551.275,"end":551.59503,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0893714427947998},{"word":"protection","start":551.59503,"end":552.075,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0638352781534195},{"word":"you've","start":552.075,"end":552.235,"confidence":0.99658203,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.13124573230743408},{"word":"got","start":552.235,"end":552.395,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17793849110603333},{"word":"with","start":552.395,"end":552.555,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16856196522712708},{"word":"hub","start":552.555,"end":553.055,"confidence":0.76000977,"punctuated_word":"Hub,","sentiment":"neutral","sentiment_score":0.15322452783584595},{"word":"i'm","start":553.115,"end":553.355,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15522292256355286},{"word":"recommending","start":553.355,"end":553.835,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.17244476079940796},{"word":"that","start":553.835,"end":553.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0984916090965271},{"word":"you","start":553.995,"end":554.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1012348085641861},{"word":"just","start":554.155,"end":554.315,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1239783763885498},{"word":"keep","start":554.315,"end":554.47504,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12348447740077972},{"word":"that","start":554.47504,"end":554.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1342621147632599},{"word":"in","start":554.715,"end":554.875,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13338711857795715},{"word":"place","start":554.875,"end":555.115,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.15269306302070618},{"word":"in","start":555.115,"end":555.275,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11873914301395416},{"word":"the","start":555.275,"end":555.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12186459451913834},{"word":"time","start":555.435,"end":555.755,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1645500659942627},{"word":"being","start":555.755,"end":555.915,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.15248966217041016},{"word":"because","start":555.915,"end":556.235,"confidence":0.8984375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12470844388008118},{"word":"it","start":556.235,"end":556.395,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13333258032798767},{"word":"will","start":556.395,"end":556.795,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1531708538532257},{"word":"protect","start":556.795,"end":557.195,"confidence":0.9902344,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.0962229073047638},{"word":"you","start":557.195,"end":557.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16175416111946106},{"word":"in","start":557.515,"end":557.675,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15581050515174866},{"word":"those","start":557.675,"end":557.915,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09033705294132233},{"word":"events","start":557.915,"end":558.415,"confidence":1.0,"punctuated_word":"events","sentiment":"neutral","sentiment_score":0.12191108614206314},{"word":"until","start":559.12,"end":559.43994,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.12700606882572174},{"word":"that","start":559.43994,"end":559.75995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20635084807872772},{"word":"exclusion","start":559.75995,"end":560.24,"confidence":1.0,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.1713847666978836},{"word":"can","start":560.24,"end":560.31995,"confidence":0.99121094,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.19373275339603424},{"word":"be","start":560.31995,"end":560.56,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19339735805988312},{"word":"removed","start":560.56,"end":561.06,"confidence":0.9995117,"punctuated_word":"removed.","sentiment":"neutral","sentiment_score":-0.1764337569475174},{"word":"k","start":562.31995,"end":562.63995,"confidence":0.6640625,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.04442255944013595},{"word":"so","start":562.63995,"end":562.8,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0012902021408081057},{"word":"it's","start":562.8,"end":562.95996,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.013715779408812525},{"word":"an","start":562.95996,"end":563.12,"confidence":0.97802734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0027934424579143524},{"word":"extra","start":563.12,"end":563.36,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.027307622134685516},{"word":"couple","start":563.36,"end":563.6,"confidence":0.99316406,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.03609275445342064},{"word":"of","start":563.6,"end":563.68,"confidence":0.6777344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004254579544067383},{"word":"$100","start":563.68,"end":564.16,"confidence":1.0,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.017413228750228882},{"word":"for","start":564.16,"end":564.31995,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0032681263983249664},{"word":"the","start":564.31995,"end":564.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006179891526699066},{"word":"year","start":564.48,"end":564.95996,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.009821692481637},{"word":"once","start":564.95996,"end":565.27997,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.05444430559873581},{"word":"that's","start":565.27997,"end":565.51996,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.060900911688804626},{"word":"done","start":565.51996,"end":565.75995,"confidence":0.99902344,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":-0.08255752921104431},{"word":"we","start":565.75995,"end":565.92,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.050316642969846725},{"word":"can","start":565.92,"end":566.07996,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.055184680968523026},{"word":"get","start":566.07996,"end":566.24,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.045791421085596085},{"word":"that","start":566.24,"end":566.48,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05137665942311287},{"word":"canceled","start":566.48,"end":566.98,"confidence":0.9848633,"punctuated_word":"canceled.","sentiment":"neutral","sentiment_score":-0.012109806761145592},{"word":"perfect","start":568.72,"end":569.22,"confidence":0.9802246,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5578556060791016},{"word":"i've","start":569.36,"end":569.51996,"confidence":0.7561035,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2820359170436859},{"word":"just","start":569.51996,"end":569.68,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26603299379348755},{"word":"included","start":569.68,"end":570.07996,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.26035913825035095},{"word":"the","start":570.07996,"end":570.24,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2277381867170334},{"word":"comparison","start":570.24,"end":570.72,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.1003841981291771},{"word":"at","start":570.72,"end":570.87994,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1831594854593277},{"word":"the","start":570.87994,"end":570.95996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17580311000347135},{"word":"bottom","start":570.95996,"end":571.19995,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.15425796806812286},{"word":"of","start":571.19995,"end":571.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17265066504478457},{"word":"page","start":571.36,"end":571.68,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12292757630348206},{"word":"50","start":571.68,"end":572.0,"confidence":0.99609375,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.12209059298038484},{"word":"sorry","start":572.24,"end":572.56,"confidence":0.7409668,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.05154772102832794},{"word":"22","start":572.56,"end":573.37994,"confidence":0.99853516,"punctuated_word":"22","sentiment":"neutral","sentiment_score":0.06420494616031647},{"word":"just","start":573.48505,"end":573.565,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07970009744167328},{"word":"so","start":573.565,"end":573.72504,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07167845964431763},{"word":"you","start":573.72504,"end":573.80505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09866853058338164},{"word":"can","start":573.80505,"end":573.885,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10391061753034592},{"word":"see","start":573.885,"end":574.125,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0960097387433052},{"word":"all","start":574.125,"end":574.28503,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06493042409420013},{"word":"the","start":574.28503,"end":574.445,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05509043484926224},{"word":"providers","start":574.445,"end":574.84503,"confidence":1.0,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":0.02970243990421295},{"word":"that","start":574.84503,"end":575.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09298720955848694},{"word":"we","start":575.005,"end":575.085,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09650212526321413},{"word":"looked","start":575.085,"end":575.325,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.09403841942548752},{"word":"at","start":575.325,"end":575.825,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1048818826675415},{"word":"and","start":576.125,"end":576.525,"confidence":0.9326172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11578604578971864},{"word":"the","start":576.525,"end":576.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12016309797763824},{"word":"estimate","start":576.765,"end":577.16504,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.11134150624275208},{"word":"of","start":577.16504,"end":577.66504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07706467807292938},{"word":"the","start":577.80505,"end":577.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06559698283672333},{"word":"loadings","start":577.965,"end":578.445,"confidence":0.9616699,"punctuated_word":"loadings","sentiment":"neutral","sentiment_score":0.06433339416980743},{"word":"and","start":578.445,"end":578.68506,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0989793986082077},{"word":"exclusions","start":578.68506,"end":579.18506,"confidence":0.99902344,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":0.04984421283006668},{"word":"there","start":579.325,"end":579.825,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09848745167255402},{"word":"cool","start":581.325,"end":581.80505,"confidence":0.95751953,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3335443139076233},{"word":"any","start":581.80505,"end":582.04504,"confidence":0.99902344,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.17351986467838287},{"word":"questions","start":582.04504,"end":582.445,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.13367855548858645},{"word":"so","start":582.445,"end":582.60504,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12687087059020996},{"word":"far","start":582.60504,"end":583.10504,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.1513812243938446},{"word":"cool","start":584.765,"end":585.265,"confidence":0.98999023,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.21709710359573364},{"word":"with","start":585.325,"end":585.48505,"confidence":0.89501953,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.13426372408866882},{"word":"the","start":585.48505,"end":585.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08625006675720215},{"word":"new","start":585.645,"end":585.885,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0978720635175705},{"word":"life","start":585.885,"end":586.125,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.13190068304538727},{"word":"policy","start":586.125,"end":586.625,"confidence":0.9995117,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.10667066276073456},{"word":"we","start":586.97003,"end":587.21,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04880836233496666},{"word":"do","start":587.21,"end":587.29004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03683968633413315},{"word":"need","start":587.29004,"end":587.37,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09583692997694016},{"word":"to","start":587.37,"end":587.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09325888752937316},{"word":"put","start":587.53,"end":587.77,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07259082794189453},{"word":"in","start":587.77,"end":587.85004,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09267738461494446},{"word":"place","start":587.85004,"end":588.17004,"confidence":0.82373047,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.09336511790752412},{"word":"obviously","start":588.17004,"end":588.49,"confidence":0.99194336,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.06293728202581406},{"word":"a","start":588.49,"end":588.65,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09985794126987456},{"word":"beneficiary","start":588.65,"end":589.15,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.12562796473503113},{"word":"for","start":589.45,"end":589.61,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07304423302412033},{"word":"who","start":589.61,"end":589.93,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.06438186019659042},{"word":"receives","start":589.93,"end":590.41003,"confidence":0.99902344,"punctuated_word":"receives","sentiment":"neutral","sentiment_score":0.05664060264825821},{"word":"that","start":590.41003,"end":590.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0973518043756485},{"word":"life","start":590.65,"end":590.89,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.10168109834194183},{"word":"insurance","start":590.89,"end":591.39,"confidence":0.99902344,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.08475049585103989},{"word":"we","start":592.97003,"end":593.29004,"confidence":0.9580078,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03298604488372803},{"word":"basically","start":593.29004,"end":593.69,"confidence":0.71435547,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.04632451385259628},{"word":"send","start":593.69,"end":593.93,"confidence":0.9941406,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.05621352791786194},{"word":"the","start":593.93,"end":594.09,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053677208721637726},{"word":"forms","start":594.09,"end":594.41003,"confidence":0.99902344,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.04083441570401192},{"word":"through","start":594.41003,"end":594.89,"confidence":0.9724121,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.05467608943581581},{"word":"if","start":594.89,"end":595.05,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.10860127210617064},{"word":"you","start":595.05,"end":595.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09549757838249208},{"word":"need","start":595.13,"end":595.37,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0981949418783188},{"word":"any","start":595.37,"end":595.61,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1124686524271965},{"word":"help","start":595.61,"end":595.77,"confidence":0.9880371,"punctuated_word":"help,","sentiment":"neutral","sentiment_score":0.08327028900384903},{"word":"just","start":595.77,"end":596.01,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1226172298192978},{"word":"call","start":596.01,"end":596.25,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.08685868978500366},{"word":"through","start":596.25,"end":596.49,"confidence":0.81933594,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.1042570099234581},{"word":"and","start":596.49,"end":596.81,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12795865535736084},{"word":"michelle","start":596.81,"end":597.13,"confidence":0.98535156,"punctuated_word":"Michelle","sentiment":"neutral","sentiment_score":0.14779235422611237},{"word":"and","start":597.13,"end":597.29004,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1511487066745758},{"word":"the","start":597.29004,"end":597.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17604917287826538},{"word":"team","start":597.37,"end":597.61,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.14881916344165802},{"word":"can","start":597.61,"end":597.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16466666758060455},{"word":"walk","start":597.77,"end":597.93,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.2653367221355438},{"word":"you","start":597.93,"end":598.17004,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1863197684288025},{"word":"through","start":598.17004,"end":598.33,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17693792283535004},{"word":"it","start":598.33,"end":598.41003,"confidence":0.8881836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1586683839559555},{"word":"pretty","start":598.41003,"end":598.65,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2148539125919342},{"word":"easily","start":598.65,"end":599.15,"confidence":1.0,"punctuated_word":"easily.","sentiment":"neutral","sentiment_score":0.16092512011528015},{"word":"do","start":599.475,"end":599.63495,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.019480887800455093},{"word":"you","start":599.63495,"end":599.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039944522082805634},{"word":"want","start":599.875,"end":599.95496,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.03938288241624832},{"word":"us","start":599.95496,"end":600.45496,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.057731643319129944},{"word":"to","start":601.39496,"end":601.63495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05971607565879822},{"word":"post","start":601.63495,"end":601.95496,"confidence":0.890625,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.04004029184579849},{"word":"them","start":601.95496,"end":602.115,"confidence":0.99316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03719253093004227},{"word":"out","start":602.115,"end":602.27496,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.033486321568489075},{"word":"with","start":602.27496,"end":602.51495,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04654316604137421},{"word":"a","start":602.51495,"end":602.595,"confidence":0.8925781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.041985392570495605},{"word":"return","start":602.595,"end":602.995,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.03103297203779221},{"word":"envelope","start":602.995,"end":603.475,"confidence":0.8937988,"punctuated_word":"envelope,","sentiment":"neutral","sentiment_score":0.02270878665149212},{"word":"or","start":603.475,"end":603.63495,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01555921882390976},{"word":"are","start":603.63495,"end":603.71497,"confidence":0.6064453,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.00184469111263752},{"word":"you","start":603.71497,"end":603.795,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015086960047483444},{"word":"okay","start":603.795,"end":604.19495,"confidence":0.9951172,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.010112177580595016},{"word":"to","start":604.19495,"end":604.27496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01876029372215271},{"word":"kind","start":604.27496,"end":604.51495,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.00925970822572708},{"word":"of","start":604.51495,"end":604.675,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02213747799396515},{"word":"print","start":604.675,"end":604.915,"confidence":1.0,"punctuated_word":"print","sentiment":"neutral","sentiment_score":-0.006580401211977005},{"word":"them","start":604.915,"end":605.07495,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.017533287405967712},{"word":"off","start":605.07495,"end":605.235,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.016698863357305527},{"word":"an","start":605.235,"end":605.475,"confidence":0.80908203,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.019689884036779404},{"word":"email","start":605.475,"end":605.975,"confidence":0.99853516,"punctuated_word":"email?","sentiment":"neutral","sentiment_score":0.0247682835906744},{"word":"cool","start":609.63495,"end":610.035,"confidence":0.97753906,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.21457260847091675},{"word":"as","start":610.035,"end":610.19495,"confidence":0.97802734,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.1386948972940445},{"word":"long","start":610.19495,"end":610.355,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0935131311416626},{"word":"as","start":610.355,"end":610.51495,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07237322628498077},{"word":"you","start":610.51495,"end":610.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06040776148438454},{"word":"get","start":610.595,"end":610.755,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06585180014371872},{"word":"that","start":610.755,"end":611.07495,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05785310268402099},{"word":"wet","start":611.07495,"end":611.315,"confidence":0.9838867,"punctuated_word":"wet","sentiment":"neutral","sentiment_score":0.05097772181034088},{"word":"signs","start":611.315,"end":611.71497,"confidence":0.97509766,"punctuated_word":"signs","sentiment":"neutral","sentiment_score":0.04420881345868111},{"word":"with","start":611.71497,"end":611.875,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08622980117797852},{"word":"a","start":611.875,"end":611.95496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06815627217292786},{"word":"couple","start":611.95496,"end":612.19495,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04593856260180473},{"word":"of","start":612.19495,"end":612.27496,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06822376698255539},{"word":"witnesses","start":612.27496,"end":612.77496,"confidence":0.76171875,"punctuated_word":"witnesses,","sentiment":"neutral","sentiment_score":0.06006850674748421},{"word":"just","start":612.915,"end":613.07495,"confidence":0.9550781,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07538206875324249},{"word":"because","start":613.07495,"end":613.315,"confidence":0.98291016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07046929001808167},{"word":"it's","start":613.315,"end":613.815,"confidence":0.970459,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06801294535398483},{"word":"is","start":615.06,"end":615.22,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.046425141394138336},{"word":"that","start":615.22,"end":615.45996,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.052531126886606216},{"word":"the","start":615.45996,"end":615.95996,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06943134218454361},{"word":"oh","start":625.54,"end":625.86,"confidence":0.98217773,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.028851747512817383},{"word":"no","start":625.86,"end":626.36,"confidence":0.99121094,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08274184167385101},{"word":"yeah","start":631.435,"end":631.755,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007317527197301388},{"word":"so","start":631.755,"end":631.995,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0105974730104208},{"word":"that","start":631.995,"end":632.235,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006894299760460854},{"word":"one","start":632.235,"end":632.39496,"confidence":0.8527832,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.0027389544993638992},{"word":"is","start":632.39496,"end":632.555,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0029891375452280045},{"word":"that","start":632.555,"end":632.63495,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008137186989188194},{"word":"a","start":632.63495,"end":632.795,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0011553391814231873},{"word":"hub","start":632.795,"end":633.035,"confidence":0.64160156,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.005909094586968422},{"word":"241","start":633.035,"end":634.01495,"confidence":0.9975586,"punctuated_word":"241?","sentiment":"neutral","sentiment_score":0.006338354200124741},{"word":"oh","start":650.41,"end":650.57,"confidence":0.7558594,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03212611377239227},{"word":"wow","start":650.57,"end":651.07,"confidence":0.9926758,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":0.04057689011096954},{"word":"just","start":655.055,"end":655.215,"confidence":0.82910156,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.009415656328201294},{"word":"needs","start":655.215,"end":655.455,"confidence":0.99902344,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.020425982773303986},{"word":"to","start":655.455,"end":655.53503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007288049906492233},{"word":"be","start":655.53503,"end":655.655,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.009796783328056335},{"word":"a","start":655.655,"end":655.775,"confidence":0.78808594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002435719594359398},{"word":"witness","start":655.775,"end":656.275,"confidence":0.9855957,"punctuated_word":"witness.","sentiment":"neutral","sentiment_score":-0.0033387690782546997},{"word":"yeah","start":658.495,"end":658.895,"confidence":0.9501953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027079429477453232},{"word":"so","start":658.895,"end":659.395,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.061598390340805054},{"word":"that'd","start":660.175,"end":660.495,"confidence":0.72314453,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.2736237943172455},{"word":"be","start":660.495,"end":660.655,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2602110207080841},{"word":"good","start":660.655,"end":660.895,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1861608624458313},{"word":"i'll","start":660.895,"end":661.135,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01830119639635086},{"word":"double","start":661.135,"end":661.455,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.017298050224781036},{"word":"check","start":661.455,"end":661.615,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.008686341345310211},{"word":"with","start":661.615,"end":661.775,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03509766608476639},{"word":"the","start":661.775,"end":661.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00920991599559784},{"word":"team","start":661.935,"end":662.09503,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":-0.010005712509155272},{"word":"because","start":662.09503,"end":662.41504,"confidence":0.84277344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.060890082269907},{"word":"when","start":662.41504,"end":662.575,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0968501940369606},{"word":"they","start":662.575,"end":662.735,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.08299028873443604},{"word":"update","start":662.735,"end":662.97504,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.026408255100250244},{"word":"their","start":662.97504,"end":663.135,"confidence":0.9394531,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.11251984536647797},{"word":"beneficiary","start":663.135,"end":663.635,"confidence":0.9980469,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.013409532606601717},{"word":"forms","start":663.775,"end":664.09503,"confidence":0.9980469,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":-0.06816460192203522},{"word":"they","start":664.09503,"end":664.255,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10950936377048492},{"word":"tend","start":664.255,"end":664.495,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.1091637760400772},{"word":"to","start":664.495,"end":664.815,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14123889803886414},{"word":"void","start":664.815,"end":665.055,"confidence":0.99609375,"punctuated_word":"void","sentiment":"neutral","sentiment_score":-0.10875295847654344},{"word":"the","start":665.055,"end":665.215,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15207695960998535},{"word":"previous","start":665.215,"end":665.695,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.15931124985218048},{"word":"ones","start":665.695,"end":666.09503,"confidence":0.90722656,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":-0.03941536694765091},{"word":"so","start":666.09503,"end":666.21,"confidence":0.79296875,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.3841015100479126},{"word":"i","start":666.29004,"end":666.37,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5955851078033447},{"word":"don't","start":666.37,"end":666.61005,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4967341125011444},{"word":"want","start":666.61005,"end":666.77,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.45227858424186707},{"word":"you","start":666.77,"end":666.93,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5035238862037659},{"word":"to","start":666.93,"end":667.17004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.571895182132721},{"word":"send","start":667.17004,"end":667.41003,"confidence":1.0,"punctuated_word":"send","sentiment":"negative","sentiment_score":-0.5735503435134888},{"word":"that","start":667.41003,"end":667.57,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5098739862442017},{"word":"off","start":667.57,"end":667.89,"confidence":1.0,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.5374512672424316},{"word":"if","start":667.89,"end":668.13,"confidence":0.9921875,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5732033252716064},{"word":"it's","start":668.13,"end":668.53,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5506314039230347},{"word":"too","start":668.53,"end":668.77,"confidence":0.9980469,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.588555097579956},{"word":"old","start":668.77,"end":669.09,"confidence":1.0,"punctuated_word":"old","sentiment":"negative","sentiment_score":-0.576402485370636},{"word":"and","start":669.09,"end":669.25,"confidence":0.6855469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4146768450736999},{"word":"then","start":669.25,"end":669.41003,"confidence":1.0,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.44291412830352783},{"word":"they","start":669.41003,"end":669.65,"confidence":0.99902344,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.5007120966911316},{"word":"decline","start":669.65,"end":670.05005,"confidence":0.9980469,"punctuated_word":"decline","sentiment":"negative","sentiment_score":-0.540791392326355},{"word":"it","start":670.05005,"end":670.55005,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.46049439907073975},{"word":"i","start":674.37,"end":674.53,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18513499200344088},{"word":"don't","start":674.53,"end":674.77,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1883225440979004},{"word":"know","start":674.77,"end":674.93,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1973678469657898},{"word":"kelly","start":674.93,"end":675.43,"confidence":0.98706055,"punctuated_word":"Kelly.","sentiment":"neutral","sentiment_score":-0.08991559594869614},{"word":"amazing","start":688.865,"end":689.345,"confidence":0.9030762,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.2221185564994812},{"word":"okay","start":689.345,"end":689.845,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.01845572143793106},{"word":"that","start":689.985,"end":690.225,"confidence":0.546875,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.23917797207832336},{"word":"might","start":690.225,"end":690.46497,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1958965361118317},{"word":"what","start":690.46497,"end":690.70496,"confidence":0.34838867,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.22829556465148929},{"word":"be","start":690.865,"end":691.105,"confidence":0.9716797,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15048643946647644},{"word":"out","start":691.105,"end":691.26495,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.269890159368515},{"word":"of","start":691.26495,"end":691.345,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29661238193511963},{"word":"date","start":691.345,"end":691.665,"confidence":0.9951172,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":-0.2915487587451935},{"word":"i","start":691.665,"end":691.745,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13637924194335938},{"word":"have","start":691.745,"end":691.985,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10178788751363754},{"word":"seen","start":691.985,"end":692.14496,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.07418672740459442},{"word":"that","start":692.14496,"end":692.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06646288186311722},{"word":"come","start":692.60004,"end":692.92004,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.04446727782487869},{"word":"across","start":692.92004,"end":693.4,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.03521064296364784},{"word":"the","start":693.4,"end":693.56,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04875010624527931},{"word":"last","start":693.56,"end":693.80005,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.02755589410662651},{"word":"few","start":693.80005,"end":694.04004,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.07100377976894379},{"word":"months","start":694.04004,"end":694.54004,"confidence":0.98657227,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.05364970117807388},{"word":"so","start":694.68,"end":695.08,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018045280128717422},{"word":"just","start":695.08,"end":695.32,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0012606196105480194},{"word":"in","start":695.32,"end":695.56,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012336350977420809},{"word":"case","start":695.56,"end":696.06,"confidence":0.9921875,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":0.04126213490962982},{"word":"i","start":696.28,"end":696.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014748021960258484},{"word":"will","start":696.44,"end":696.68,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.01224907487630844},{"word":"send","start":696.68,"end":697.18,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.007997769862413406},{"word":"a","start":697.24,"end":697.4,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03396973758935928},{"word":"hub","start":697.4,"end":697.72003,"confidence":0.94140625,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.05342409014701843},{"word":"and","start":697.72003,"end":698.04004,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006404183804988861},{"word":"a","start":698.04004,"end":698.12,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03984972834587097},{"word":"tao","start":698.12,"end":698.36005,"confidence":0.6124878,"punctuated_word":"TAO","sentiment":"neutral","sentiment_score":0.007607553154230118},{"word":"one","start":698.36005,"end":698.68,"confidence":0.99121094,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.016261428594589233},{"word":"together","start":698.68,"end":699.18,"confidence":0.99902344,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.003578735515475273},{"word":"perfect","start":701.24,"end":701.74,"confidence":0.98583984,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5767919421195984},{"word":"alrighty","start":701.96,"end":702.46,"confidence":0.9983724,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.28884178400039673},{"word":"outside","start":703.24,"end":703.56,"confidence":0.8935547,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.0844121128320694},{"word":"of","start":703.56,"end":703.72003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05960039049386978},{"word":"that","start":703.72003,"end":703.96,"confidence":0.93359375,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.035322364419698715},{"word":"so","start":703.96,"end":704.2,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02251829206943512},{"word":"with","start":704.2,"end":704.44,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05211203917860985},{"word":"any","start":704.44,"end":704.94,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.058366287499666214},{"word":"insurance","start":705.08,"end":705.56,"confidence":0.9760742,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04172452166676521},{"word":"policies","start":705.56,"end":706.06,"confidence":0.9770508,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.04494881629943848},{"word":"so","start":706.445,"end":706.765,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04389037564396858},{"word":"because","start":706.765,"end":707.08496,"confidence":0.9589844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05397500470280647},{"word":"they're","start":707.08496,"end":707.485,"confidence":0.99902344,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.06464040279388428},{"word":"all","start":707.485,"end":707.805,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09761679917573927},{"word":"retail","start":707.805,"end":708.205,"confidence":1.0,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":0.11607006192207336},{"word":"providers","start":708.205,"end":708.705,"confidence":0.99658203,"punctuated_word":"providers,","sentiment":"neutral","sentiment_score":0.07438218593597412},{"word":"every","start":709.165,"end":709.565,"confidence":0.98095703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.09552352130413055},{"word":"insurer","start":709.565,"end":710.045,"confidence":0.99316406,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.07149060815572739},{"word":"pays","start":710.045,"end":710.545,"confidence":1.0,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.06361936032772064},{"word":"us","start":710.925,"end":711.165,"confidence":0.9819336,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11601504683494568},{"word":"as","start":711.165,"end":711.325,"confidence":0.8852539,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0847366601228714},{"word":"advisers","start":711.325,"end":711.825,"confidence":0.6972656,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":0.07076463848352432},{"word":"a","start":712.125,"end":712.625,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1736328899860382},{"word":"66%","start":712.845,"end":713.96497,"confidence":0.9996745,"punctuated_word":"66%","sentiment":"neutral","sentiment_score":0.13546815514564514},{"word":"of","start":713.96497,"end":714.125,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14653289318084717},{"word":"the","start":714.125,"end":714.285,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16833190619945526},{"word":"first","start":714.285,"end":714.52496,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.10837601125240326},{"word":"year's","start":714.52496,"end":714.845,"confidence":0.99316406,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.17224489152431488},{"word":"premium","start":714.845,"end":715.345,"confidence":0.5913086,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.15643152594566345},{"word":"to","start":715.40497,"end":715.485,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1945492923259735},{"word":"get","start":715.485,"end":715.645,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1315782070159912},{"word":"the","start":715.645,"end":715.805,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1390029788017273},{"word":"policy","start":715.805,"end":716.205,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.14640650153160095},{"word":"in","start":716.205,"end":716.365,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16264790296554563},{"word":"place","start":716.365,"end":716.865,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.16468705236911774},{"word":"and","start":717.165,"end":717.665,"confidence":0.8173828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08064614236354828},{"word":"22%","start":717.725,"end":718.765,"confidence":0.9996745,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.09175998717546464},{"word":"ongoing","start":718.765,"end":719.265,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.12462535500526428},{"word":"to","start":719.82,"end":720.06,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0907408446073532},{"word":"manage","start":720.06,"end":720.46,"confidence":0.982666,"punctuated_word":"manage,","sentiment":"neutral","sentiment_score":0.07140281796455383},{"word":"like","start":720.46,"end":720.78,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0729295015335083},{"word":"claims","start":720.78,"end":721.10004,"confidence":0.9970703,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":0.017927922308444977},{"word":"advice","start":721.10004,"end":721.42004,"confidence":0.83740234,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.031158633530139923},{"word":"and","start":721.42004,"end":721.66003,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029555775225162503},{"word":"things","start":721.66003,"end":721.9,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.020330294966697693},{"word":"like","start":721.9,"end":722.14,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.003991037607192993},{"word":"that","start":722.14,"end":722.38,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.027266304939985275},{"word":"so","start":722.38,"end":722.54004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04392027109861374},{"word":"if","start":722.54004,"end":722.7,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.004706088453531265},{"word":"you","start":722.7,"end":723.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013013359159231186},{"word":"get","start":723.5,"end":723.74,"confidence":0.9941406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09025457501411438},{"word":"injured","start":723.74,"end":724.14,"confidence":0.9995117,"punctuated_word":"injured,","sentiment":"neutral","sentiment_score":-0.052459780126810074},{"word":"we'll","start":724.14,"end":724.38,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08715976774692535},{"word":"help","start":724.38,"end":724.54004,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.093212828040123},{"word":"you","start":724.54004,"end":724.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16125890612602234},{"word":"through","start":724.62,"end":724.78,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1427658051252365},{"word":"the","start":724.78,"end":724.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15058854222297668},{"word":"claims","start":724.94,"end":725.34,"confidence":1.0,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":0.016460806131362915},{"word":"process","start":725.34,"end":725.84,"confidence":0.9875488,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":0.11621305346488953},{"word":"help","start":726.06,"end":726.3,"confidence":0.9980469,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.14753252267837524},{"word":"make","start":726.3,"end":726.46,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1193881630897522},{"word":"the","start":726.46,"end":726.62,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06027430295944214},{"word":"money","start":726.62,"end":726.94,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03950377553701401},{"word":"last","start":726.94,"end":727.26,"confidence":0.89331055,"punctuated_word":"last,","sentiment":"neutral","sentiment_score":0.048251643776893616},{"word":"all","start":727.26,"end":727.42004,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04639941453933716},{"word":"that","start":727.42004,"end":727.66003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017398200929164886},{"word":"kind","start":727.66003,"end":727.82,"confidence":0.94921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.01982031762599945},{"word":"of","start":727.82,"end":727.9,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022898659110069275},{"word":"thing","start":727.9,"end":728.3,"confidence":0.9941406,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.042147062718868256},{"word":"so","start":728.3,"end":728.54004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05094902589917183},{"word":"that's","start":728.54004,"end":728.94,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.049050476402044296},{"word":"disclosed","start":728.94,"end":729.34,"confidence":0.9980469,"punctuated_word":"disclosed","sentiment":"neutral","sentiment_score":0.052763838320970535},{"word":"at","start":729.34,"end":729.5,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022616859525442123},{"word":"the","start":729.5,"end":729.58,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01739487797021866},{"word":"bottom","start":729.58,"end":729.9,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.03216354548931122},{"word":"there","start":729.9,"end":730.3,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02342209592461586},{"word":"just","start":730.3,"end":730.54004,"confidence":0.7597656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02038930356502533},{"word":"underneath","start":730.54004,"end":731.02,"confidence":1.0,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.031715866178274155},{"word":"with","start":731.02,"end":731.18,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02717570587992668},{"word":"the","start":731.18,"end":731.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038482099771499634},{"word":"advice","start":731.34,"end":731.74,"confidence":0.97509766,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.037229590117931366},{"word":"fees","start":731.74,"end":731.98004,"confidence":0.9902344,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.03629164397716522},{"word":"that","start":731.98004,"end":732.22003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04629475623369217},{"word":"we're","start":732.22003,"end":732.38,"confidence":0.8400879,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0366775281727314},{"word":"getting","start":732.38,"end":732.7,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.03499571606516838},{"word":"through","start":732.7,"end":732.94,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.017322562634944916},{"word":"the","start":732.94,"end":733.10004,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00238104909658432},{"word":"super","start":733.10004,"end":733.60004,"confidence":0.9379883,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.040315791964530945},{"word":"cool","start":735.64496,"end":736.14496,"confidence":0.93725586,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2996734380722046},{"word":"with","start":736.365,"end":736.605,"confidence":0.75439453,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.17123958468437195},{"word":"this","start":736.605,"end":736.845,"confidence":0.9223633,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24525368213653564},{"word":"document","start":736.845,"end":737.32495,"confidence":0.7495117,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.22683250904083252},{"word":"so","start":737.32495,"end":737.64496,"confidence":0.86083984,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.1890722364187241},{"word":"basically","start":737.64496,"end":738.14496,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.1669849157333374},{"word":"if","start":738.365,"end":738.605,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1892208307981491},{"word":"you're","start":738.605,"end":738.76495,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.195096418261528},{"word":"happy","start":738.76495,"end":739.005,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.25726887583732605},{"word":"with","start":739.005,"end":739.165,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28609639406204224},{"word":"the","start":739.165,"end":739.32495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2645176947116852},{"word":"plan","start":739.32495,"end":739.82495,"confidence":0.99658203,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.29472994804382324},{"word":"we","start":740.685,"end":741.185,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.235332190990448},{"word":"sign","start":741.32495,"end":741.565,"confidence":0.7441406,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.16155287623405457},{"word":"the","start":741.565,"end":741.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17525315284729004},{"word":"authority","start":741.725,"end":742.125,"confidence":0.99902344,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.2535472512245178},{"word":"to","start":742.125,"end":742.285,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19715389609336853},{"word":"proceed","start":742.285,"end":742.605,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.23237672448158264},{"word":"on","start":742.605,"end":742.76495,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24395841360092163},{"word":"this","start":742.76495,"end":743.005,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21721018850803375},{"word":"document","start":743.005,"end":743.505,"confidence":0.99658203,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.2069862186908722},{"word":"there's","start":743.725,"end":744.045,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.15089645981788635},{"word":"also","start":744.045,"end":744.44495,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13147221505641937},{"word":"an","start":744.44495,"end":744.685,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16750536859035492},{"word":"appendix","start":744.685,"end":745.185,"confidence":1.0,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.14133930206298828},{"word":"in","start":745.245,"end":745.40497,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10705871880054474},{"word":"there","start":745.40497,"end":745.64496,"confidence":0.87158203,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1313420981168747},{"word":"which","start":745.64496,"end":745.88495,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12911666929721832},{"word":"is","start":745.88495,"end":746.045,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13671360909938812},{"word":"just","start":746.045,"end":746.365,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14849179983139038},{"word":"background","start":746.365,"end":746.865,"confidence":0.9970703,"punctuated_word":"background","sentiment":"neutral","sentiment_score":0.09711527824401855},{"word":"research","start":746.925,"end":747.425,"confidence":0.98583984,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.12400443106889723},{"word":"a","start":748.16003,"end":748.66003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16701188683509827},{"word":"quote","start":748.72003,"end":749.12006,"confidence":1.0,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.12392857670783997},{"word":"for","start":749.12006,"end":749.36005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13839367032051086},{"word":"the","start":749.36005,"end":749.60004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13197633624076843},{"word":"insurer","start":749.60004,"end":750.10004,"confidence":0.97998047,"punctuated_word":"insurer,","sentiment":"neutral","sentiment_score":0.10748852789402008},{"word":"and","start":751.84,"end":752.24005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11582505702972412},{"word":"just","start":752.24005,"end":752.48004,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16356155276298523},{"word":"a","start":752.48004,"end":752.56,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15364818274974823},{"word":"couple","start":752.56,"end":752.88,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1352555900812149},{"word":"of","start":752.88,"end":752.96,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1386616826057434},{"word":"product","start":752.96,"end":753.44,"confidence":1.0,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.10761632025241852},{"word":"documents","start":753.44,"end":753.92004,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.11039204895496368},{"word":"as","start":753.92004,"end":754.08,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15135899186134338},{"word":"well","start":754.08,"end":754.56,"confidence":0.8293457,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1295650750398636},{"word":"so","start":754.56,"end":754.88,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09817897528409958},{"word":"pdfs","start":754.88,"end":755.36005,"confidence":0.84716797,"punctuated_word":"PDFs","sentiment":"neutral","sentiment_score":0.09148306399583817},{"word":"and","start":755.36005,"end":755.52,"confidence":0.5986328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09540213644504549},{"word":"the","start":755.52,"end":755.68005,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0788593515753746},{"word":"like","start":755.68005,"end":756.18005,"confidence":0.7890625,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.08935735374689102},{"word":"those","start":756.64,"end":756.88,"confidence":0.8457031,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.1139538437128067},{"word":"total","start":756.88,"end":757.38,"confidence":0.9980469,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.10779368132352828},{"word":"close","start":757.68005,"end":758.16003,"confidence":0.99609375,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.15652996301651},{"word":"to","start":758.16003,"end":758.4,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1367658972740173},{"word":"2,000","start":758.4,"end":758.96,"confidence":1.0,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.11600957810878754},{"word":"pages","start":758.96,"end":759.46,"confidence":0.9658203,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":0.10853211581707},{"word":"so","start":759.76,"end":759.92004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14534398913383484},{"word":"when","start":759.92004,"end":760.08,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.19790589809417725},{"word":"it","start":760.08,"end":760.24005,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14847169816493988},{"word":"comes","start":760.24005,"end":760.56,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.1406589299440384},{"word":"to","start":760.56,"end":760.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1606350541114807},{"word":"the","start":760.64,"end":760.80005,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18107211589813232},{"word":"odoo","start":760.80005,"end":761.2,"confidence":0.99902344,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.1643267124891281},{"word":"system","start":761.2,"end":761.60004,"confidence":0.98999023,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.1668451428413391},{"word":"you","start":761.60004,"end":761.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18643558025360107},{"word":"don't","start":761.76,"end":762.0,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.06790569424629211},{"word":"have","start":762.0,"end":762.16003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11613480746746065},{"word":"to","start":762.16003,"end":762.32,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04445566236972809},{"word":"scroll","start":762.32,"end":762.64,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.002258993685245514},{"word":"through","start":762.64,"end":762.88,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.011545605957508087},{"word":"the","start":762.88,"end":763.04004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08452565222978592},{"word":"whole","start":763.04004,"end":763.28,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.06027461588382721},{"word":"lot","start":763.28,"end":763.605,"confidence":0.9921875,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":0.08876726031303406},{"word":"you","start":763.605,"end":763.76495,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12314727157354356},{"word":"can","start":763.76495,"end":764.005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12786315381526947},{"word":"pretty","start":764.005,"end":764.08496,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.17506763339042664},{"word":"much","start":764.08496,"end":764.485,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.13063199818134308},{"word":"just","start":764.485,"end":764.64496,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10293304175138474},{"word":"click","start":764.64496,"end":765.045,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.07424095273017883},{"word":"next","start":765.045,"end":765.365,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07530829310417175},{"word":"document","start":765.365,"end":765.865,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07330896705389023},{"word":"once","start":766.08496,"end":766.32495,"confidence":0.9770508,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.12049174308776855},{"word":"you","start":766.32495,"end":766.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09182655811309814},{"word":"get","start":766.485,"end":766.64496,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.061328914016485214},{"word":"through","start":766.64496,"end":766.885,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08403393626213074},{"word":"each","start":766.885,"end":767.045,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.103355273604393},{"word":"one","start":767.045,"end":767.285,"confidence":0.9580078,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.08245527744293213},{"word":"and","start":767.285,"end":767.445,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08986295759677887},{"word":"it","start":767.445,"end":767.605,"confidence":0.95410156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09594890475273132},{"word":"will","start":767.605,"end":767.845,"confidence":0.6958008,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07252751290798187},{"word":"skip","start":767.845,"end":768.165,"confidence":1.0,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.07023380696773529},{"word":"ahead","start":768.165,"end":768.665,"confidence":1.0,"punctuated_word":"ahead.","sentiment":"neutral","sentiment_score":0.06845266371965408},{"word":"okay","start":770.64496,"end":771.14496,"confidence":0.9333496,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07408107817173004},{"word":"just","start":771.605,"end":771.845,"confidence":0.6015625,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06549149751663208},{"word":"gonna","start":771.845,"end":772.08496,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07511566579341888},{"word":"double","start":772.08496,"end":772.40497,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.07334183156490326},{"word":"check","start":772.40497,"end":772.565,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07826332747936249},{"word":"this","start":772.565,"end":772.805,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09901916980743408},{"word":"quote","start":772.805,"end":773.045,"confidence":0.97314453,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.039410077035427094},{"word":"here","start":773.045,"end":773.545,"confidence":0.7435303,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.0809103474020958},{"word":"make","start":774.165,"end":774.32495,"confidence":0.9951172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.050142303109169006},{"word":"sure","start":774.32495,"end":774.64496,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.061555035412311554},{"word":"that's","start":774.64496,"end":774.96497,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0713760107755661},{"word":"all","start":774.96497,"end":775.20496,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05827239155769348},{"word":"current","start":775.20496,"end":775.70496,"confidence":0.9880371,"punctuated_word":"current.","sentiment":"neutral","sentiment_score":0.05501721054315567},{"word":"i","start":777.31,"end":777.47003,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10728108882904051},{"word":"believe","start":777.47003,"end":777.79004,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.06909805536270142},{"word":"it","start":777.79004,"end":778.03,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1623012125492096},{"word":"is","start":778.03,"end":778.53,"confidence":0.9995117,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.0216180682182312},{"word":"the","start":778.59,"end":778.75,"confidence":0.86865234,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0660925880074501},{"word":"next","start":778.75,"end":778.99,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05677872523665428},{"word":"step","start":778.99,"end":779.15,"confidence":0.9980469,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.07461226731538773},{"word":"from","start":779.15,"end":779.23004,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07666831463575363},{"word":"here","start":779.23004,"end":779.47003,"confidence":0.9946289,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.059823617339134216},{"word":"we","start":779.47003,"end":779.63,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07846640795469284},{"word":"pretty","start":779.63,"end":779.79004,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.09323583543300629},{"word":"much","start":779.79004,"end":780.03,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08462691307067871},{"word":"have","start":780.03,"end":780.11,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0966772958636284},{"word":"a","start":780.11,"end":780.19,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09465152025222778},{"word":"lot","start":780.19,"end":780.35004,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09301292896270752},{"word":"of","start":780.35004,"end":780.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07363661378622055},{"word":"information","start":780.51,"end":780.91003,"confidence":0.99902344,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08842047303915024},{"word":"you've","start":780.91003,"end":781.15,"confidence":0.9975586,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08926451206207275},{"word":"already","start":781.15,"end":781.47003,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.13702791929244995},{"word":"given","start":781.47003,"end":781.71,"confidence":1.0,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.12096205353736876},{"word":"us","start":781.71,"end":781.87,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09939400106668472},{"word":"from","start":781.87,"end":782.11,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11128322035074234},{"word":"that","start":782.11,"end":782.35004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1429406851530075},{"word":"pre","start":782.35004,"end":782.59,"confidence":0.98828125,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.07166630029678345},{"word":"assessment","start":782.59,"end":782.99,"confidence":0.91967773,"punctuated_word":"assessment,","sentiment":"neutral","sentiment_score":0.08047249168157578},{"word":"and","start":782.99,"end":783.15,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07101330906152725},{"word":"we've","start":783.15,"end":783.31,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.09694300591945648},{"word":"got","start":783.31,"end":783.55,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13802610337734222},{"word":"the","start":783.55,"end":783.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12720130383968353},{"word":"quotes","start":783.71,"end":783.95,"confidence":0.9980469,"punctuated_word":"quotes","sentiment":"neutral","sentiment_score":0.10886319726705553},{"word":"and","start":783.95,"end":784.11,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12383590638637544},{"word":"everything","start":784.11,"end":784.61,"confidence":1.0,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.09420141577720642},{"word":"can","start":785.55,"end":785.87,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.0805707573890686},{"word":"i","start":785.87,"end":786.03,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08440735191106796},{"word":"get","start":786.03,"end":786.27,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08428546786308289},{"word":"you","start":786.27,"end":786.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07347366958856583},{"word":"booked","start":786.59,"end":786.83,"confidence":0.9667969,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.08161632716655731},{"word":"in","start":786.83,"end":787.07,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.062362514436244965},{"word":"to","start":787.07,"end":787.23004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07352074235677719},{"word":"go","start":787.23004,"end":787.47003,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07391055673360825},{"word":"through","start":787.47003,"end":787.71,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11323761194944382},{"word":"the","start":787.71,"end":787.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10243498533964156},{"word":"application","start":787.87,"end":788.37,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.09128441661596298},{"word":"with","start":789.15,"end":789.47003,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08105915039777756},{"word":"the","start":789.47003,"end":789.97003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09841397404670715},{"word":"the","start":790.03,"end":790.11,"confidence":0.75146484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08348144590854645},{"word":"implementation","start":790.11,"end":790.61,"confidence":0.99902344,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.06494742631912231},{"word":"team","start":790.91003,"end":791.41003,"confidence":0.99609375,"punctuated_word":"team?","sentiment":"neutral","sentiment_score":0.07176147401332855},{"word":"cool","start":794.055,"end":794.555,"confidence":0.9951172,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5281809568405151},{"word":"i'll","start":794.935,"end":795.175,"confidence":0.95703125,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.33564406633377075},{"word":"bring","start":795.175,"end":795.415,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.3286481499671936},{"word":"up","start":795.415,"end":795.65497,"confidence":0.98828125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.29601341485977173},{"word":"their","start":795.65497,"end":795.89496,"confidence":0.88427734,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.20931676030158997},{"word":"calendar","start":795.89496,"end":796.39496,"confidence":0.9995117,"punctuated_word":"calendar.","sentiment":"neutral","sentiment_score":0.2478177845478058},{"word":"is","start":797.415,"end":797.65497,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.15662753582000732},{"word":"there","start":797.65497,"end":798.15497,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16532565653324127},{"word":"a","start":798.21497,"end":798.45496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16623973846435547},{"word":"good","start":798.45496,"end":798.95496,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.19922280311584473},{"word":"day","start":799.095,"end":799.33496,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.25099095702171326},{"word":"and","start":799.33496,"end":799.65497,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23026609420776367},{"word":"time","start":799.65497,"end":800.15497,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18543322384357452},{"word":"next","start":800.695,"end":800.855,"confidence":0.9658203,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1702081561088562},{"word":"week","start":800.855,"end":801.175,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.19589494168758392},{"word":"potentially","start":801.175,"end":801.675,"confidence":0.71850586,"punctuated_word":"potentially?","sentiment":"neutral","sentiment_score":0.18582269549369812},{"word":"absolutely","start":808.8,"end":809.3,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.08970087021589279},{"word":"i","start":810.0,"end":810.24,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09185581654310226},{"word":"will","start":810.24,"end":810.4,"confidence":0.5996094,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06072060018777847},{"word":"just","start":810.4,"end":810.56,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06511393189430237},{"word":"bring","start":810.56,"end":810.8,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.06731176376342773},{"word":"up","start":810.8,"end":810.96,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.059921443462371826},{"word":"the","start":810.96,"end":811.2,"confidence":0.49804688,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06879548728466034},{"word":"phone","start":811.2,"end":811.7,"confidence":0.77563477,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.04645884037017822},{"word":"perfect","start":818.255,"end":818.755,"confidence":0.9033203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3688408136367798},{"word":"and","start":819.695,"end":820.195,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15901516377925873},{"word":"i'll","start":820.335,"end":820.495,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1569333374500275},{"word":"just","start":820.495,"end":820.73505,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14630115032196045},{"word":"quickly","start":820.73505,"end":821.135,"confidence":0.9980469,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.20125362277030945},{"word":"double","start":821.135,"end":821.53503,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09797327220439912},{"word":"check","start":821.53503,"end":822.03503,"confidence":0.83691406,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.12548941373825073},{"word":"do","start":822.17505,"end":822.495,"confidence":0.9892578,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0025464389473199844},{"word":"i","start":822.495,"end":822.655,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010897776111960413},{"word":"need","start":822.655,"end":822.97504,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0008190851658582687},{"word":"to","start":822.97504,"end":823.135,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002034684643149376},{"word":"worry","start":823.135,"end":823.455,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.0007122606039047241},{"word":"about","start":823.455,"end":823.955,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012479116208851336},{"word":"daylight","start":825.215,"end":825.695,"confidence":0.95166016,"punctuated_word":"daylight","sentiment":"neutral","sentiment_score":-0.033292774111032486},{"word":"savings","start":825.695,"end":826.195,"confidence":0.9580078,"punctuated_word":"savings?","sentiment":"neutral","sentiment_score":-0.04029218479990959},{"word":"no","start":826.575,"end":826.895,"confidence":0.98461914,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07025980204343796},{"word":"new","start":826.895,"end":827.05505,"confidence":0.99609375,"punctuated_word":"New","sentiment":"neutral","sentiment_score":-0.04815230146050453},{"word":"south","start":827.05505,"end":827.29504,"confidence":0.9941406,"punctuated_word":"South","sentiment":"neutral","sentiment_score":-0.027899572625756264},{"word":"wales","start":827.29504,"end":827.695,"confidence":0.7570801,"punctuated_word":"Wales,","sentiment":"neutral","sentiment_score":-0.03886308893561363},{"word":"no","start":827.695,"end":827.85504,"confidence":0.99609375,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.04060698300600052},{"word":"daylight","start":827.85504,"end":828.17505,"confidence":0.98828125,"punctuated_word":"daylight","sentiment":"neutral","sentiment_score":-0.017289595678448677},{"word":"savings","start":828.17505,"end":828.575,"confidence":0.9914551,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":-0.011737252585589886},{"word":"perfect","start":828.575,"end":829.075,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.17167624831199646},{"word":"so","start":829.31,"end":829.70996,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0330081470310688},{"word":"just","start":829.70996,"end":829.94995,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02817157655954361},{"word":"after","start":829.94995,"end":830.26996,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.020960748195648193},{"word":"twelve","start":830.26996,"end":830.76996,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.02494148164987564},{"word":"on","start":830.82996,"end":831.31,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025235190987586975},{"word":"thursday","start":831.31,"end":831.81,"confidence":0.86865234,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.042115647345781326},{"word":"the","start":832.67,"end":832.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05072056129574776},{"word":"twenty","start":832.91,"end":833.31,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.050051894038915634},{"word":"third","start":833.31,"end":833.81,"confidence":0.98950195,"punctuated_word":"third.","sentiment":"neutral","sentiment_score":0.05280055105686188},{"word":"yep","start":834.99,"end":835.49,"confidence":0.9436035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08896710723638535},{"word":"perfect","start":836.11,"end":836.58997,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3635968267917633},{"word":"so","start":836.58997,"end":836.75,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18344765901565552},{"word":"i","start":836.75,"end":836.82996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16965138912200928},{"word":"usually","start":836.82996,"end":837.14996,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.1651427149772644},{"word":"set","start":837.14996,"end":837.38995,"confidence":1.0,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.20619291067123413},{"word":"aside","start":837.38995,"end":837.70996,"confidence":1.0,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.21918459236621857},{"word":"an","start":837.70996,"end":837.87,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.21111498773097992},{"word":"hour","start":837.87,"end":838.11,"confidence":1.0,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.1444435715675354},{"word":"for","start":838.11,"end":838.26996,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18760256469249725},{"word":"that","start":838.26996,"end":838.51,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.16249370574951172},{"word":"it","start":838.51,"end":838.58997,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15377888083457947},{"word":"doesn't","start":838.58997,"end":838.91,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.13296805322170258},{"word":"usually","start":838.91,"end":839.31,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.13700680434703827},{"word":"take","start":839.31,"end":839.47,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.14373424649238586},{"word":"that","start":839.47,"end":839.70996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16205734014511108},{"word":"long","start":839.70996,"end":840.20996,"confidence":0.9604492,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":0.15182895958423617},{"word":"it's","start":840.75,"end":840.99,"confidence":0.8483887,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12790416181087494},{"word":"just","start":840.99,"end":841.14996,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1331774741411209},{"word":"in","start":841.14996,"end":841.31,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12081993371248244},{"word":"case","start":841.31,"end":841.55,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.126502126455307},{"word":"if","start":841.55,"end":841.70996,"confidence":0.89746094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16012516617774963},{"word":"there's","start":841.70996,"end":841.94995,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1531655192375183},{"word":"extra","start":841.94995,"end":842.35,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.09096937626600266},{"word":"details","start":842.35,"end":842.75,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.1279759407043457},{"word":"that","start":842.75,"end":842.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1314571648836136},{"word":"are","start":842.91,"end":843.07,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12393826246261597},{"word":"needed","start":843.07,"end":843.31,"confidence":1.0,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.12307378649711607},{"word":"or","start":843.31,"end":843.47,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1477980613708496},{"word":"any","start":843.47,"end":843.70996,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12043756246566772},{"word":"questions","start":843.70996,"end":844.11,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.09141507744789124},{"word":"that","start":844.11,"end":844.26996,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12975256145000458},{"word":"you","start":844.26996,"end":844.51,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1096147745847702},{"word":"might","start":844.51,"end":844.75,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07248786836862564},{"word":"have","start":844.75,"end":845.205,"confidence":0.9421387,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.09691007435321808},{"word":"but","start":845.28503,"end":845.365,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09721852838993073},{"word":"it","start":845.365,"end":845.445,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09389103204011916},{"word":"usually","start":845.445,"end":845.685,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.08737155795097351},{"word":"takes","start":845.685,"end":846.085,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.08563806116580963},{"word":"about","start":846.085,"end":846.325,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07384360581636429},{"word":"half","start":846.325,"end":846.48505,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.1031511127948761},{"word":"an","start":846.48505,"end":846.645,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08343780785799026},{"word":"hour","start":846.645,"end":847.145,"confidence":0.99902344,"punctuated_word":"hour.","sentiment":"neutral","sentiment_score":0.07941525429487228},{"word":"perfect","start":849.28503,"end":849.78503,"confidence":0.98999023,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4214949309825897},{"word":"alright","start":849.84503,"end":850.245,"confidence":0.85058594,"punctuated_word":"Alright,","sentiment":"neutral","sentiment_score":0.18768028914928436},{"word":"kelly","start":850.245,"end":850.565,"confidence":0.96606445,"punctuated_word":"Kelly.","sentiment":"neutral","sentiment_score":0.20601731538772583},{"word":"any","start":850.565,"end":850.72504,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.11283483356237411},{"word":"questions","start":850.72504,"end":851.04504,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08961442112922668},{"word":"for","start":851.04504,"end":851.205,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06296270340681076},{"word":"me","start":851.205,"end":851.28503,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08112703263759613},{"word":"on","start":851.28503,"end":851.525,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07942057400941849},{"word":"any","start":851.525,"end":851.685,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09539930522441864},{"word":"of","start":851.685,"end":851.84503,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0764990895986557},{"word":"the","start":851.84503,"end":851.925,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08767709136009216},{"word":"advice","start":851.925,"end":852.325,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09629486501216888},{"word":"or","start":852.325,"end":852.48505,"confidence":0.90283203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07889939099550247},{"word":"additional","start":852.48505,"end":852.885,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.0916011929512024},{"word":"documents","start":852.885,"end":853.365,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.11042165011167526},{"word":"at","start":853.365,"end":853.445,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06995752453804016},{"word":"this","start":853.445,"end":853.60504,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12128615379333496},{"word":"point","start":853.60504,"end":854.10504,"confidence":0.9980469,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.08103056252002716},{"word":"cool","start":856.085,"end":856.48505,"confidence":0.99365234,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.13729608058929443},{"word":"alrighty","start":856.48505,"end":856.98505,"confidence":0.9996745,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.2243337333202362},{"word":"well","start":857.125,"end":857.525,"confidence":0.9765625,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.4993443489074707},{"word":"that","start":857.525,"end":857.765,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.685156524181366},{"word":"is","start":857.765,"end":858.16504,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6643877029418945},{"word":"nice","start":858.16504,"end":858.405,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6856371760368347},{"word":"and","start":858.405,"end":858.565,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6570822596549988},{"word":"easy","start":858.565,"end":858.885,"confidence":1.0,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.5491074323654175},{"word":"i've","start":858.885,"end":859.04504,"confidence":1.0,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4214930534362793},{"word":"got","start":859.04504,"end":859.28503,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.386826604604721},{"word":"all","start":859.28503,"end":859.445,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.413025975227356},{"word":"of","start":859.445,"end":859.525,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41124558448791504},{"word":"that","start":859.525,"end":859.765,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39176878333091736},{"word":"ready","start":859.765,"end":860.005,"confidence":0.99902344,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.3959147930145264},{"word":"for","start":860.005,"end":860.16504,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3984823524951935},{"word":"you","start":860.16504,"end":860.245,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3751460313796997},{"word":"to","start":860.245,"end":860.43,"confidence":0.86279297,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3431248068809509},{"word":"to","start":860.43,"end":860.58997,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3291482627391815},{"word":"sign","start":860.58997,"end":860.91,"confidence":0.8898926,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.2747159004211426},{"word":"got","start":860.91,"end":861.14996,"confidence":0.9560547,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.15983419120311737},{"word":"you","start":861.14996,"end":861.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20681215822696689},{"word":"booked","start":861.31,"end":861.55,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.2471080869436264},{"word":"in","start":861.55,"end":861.79,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17596635222434998},{"word":"on","start":861.79,"end":862.27,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1875980943441391},{"word":"12:00","start":862.27,"end":863.07,"confidence":0.99902344,"punctuated_word":"12:00","sentiment":"neutral","sentiment_score":0.22305679321289065},{"word":"or","start":863.07,"end":863.23,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16683295369148254},{"word":"just","start":863.23,"end":863.55,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13027113676071167},{"word":"after","start":863.55,"end":864.05,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.13790513575077057},{"word":"on","start":864.43,"end":864.58997,"confidence":0.86572266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17136387526988983},{"word":"the","start":864.58997,"end":864.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1907881945371628},{"word":"twenty","start":864.83,"end":865.07,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1757989227771759},{"word":"third","start":865.07,"end":865.57,"confidence":0.9946289,"punctuated_word":"third.","sentiment":"neutral","sentiment_score":0.19027239084243777},{"word":"we'll","start":865.79,"end":865.95,"confidence":0.9995117,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2422054409980774},{"word":"get","start":865.95,"end":866.11,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2776927351951599},{"word":"the","start":866.11,"end":866.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27925315499305725},{"word":"beneficiaries","start":866.35,"end":866.85,"confidence":0.99902344,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.33080559968948364},{"word":"sent","start":867.23,"end":867.47,"confidence":0.99902344,"punctuated_word":"sent","sentiment":"positive","sentiment_score":0.3390983045101166},{"word":"out","start":867.47,"end":867.71,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.31813278794288635},{"word":"to","start":867.71,"end":867.79,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2914198040962219},{"word":"you","start":867.79,"end":867.95,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2695586085319519},{"word":"basically","start":867.95,"end":868.43,"confidence":1.0,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.18373219668865204},{"word":"i","start":868.43,"end":868.58997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19224531948566437},{"word":"guess","start":868.58997,"end":868.75,"confidence":0.7753906,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.2052862048149109},{"word":"the","start":868.75,"end":868.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23346297442913055},{"word":"way","start":868.91,"end":869.14996,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2306974083185196},{"word":"is","start":869.14996,"end":869.64996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21701344847679135},{"word":"do","start":869.79,"end":869.95,"confidence":0.7446289,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26617002487182617},{"word":"the","start":869.95,"end":870.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25201645493507385},{"word":"application","start":870.11,"end":870.61,"confidence":0.9592285,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":0.2009117305278778},{"word":"as","start":870.91,"end":871.07,"confidence":0.66748047,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.21025027334690097},{"word":"soon","start":871.07,"end":871.23,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.1864217668771744},{"word":"as","start":871.23,"end":871.39,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2097506672143936},{"word":"the","start":871.39,"end":871.47,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24920393526554108},{"word":"policy","start":871.47,"end":871.87,"confidence":0.9970703,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.2752831280231476},{"word":"is","start":871.87,"end":871.95,"confidence":0.74658203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21202558279037476},{"word":"ready","start":871.95,"end":872.19,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.27191147208213806},{"word":"to","start":872.19,"end":872.27,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2289824336767197},{"word":"go","start":872.27,"end":872.43,"confidence":0.9995117,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.22129669785499573},{"word":"we'll","start":872.43,"end":872.67,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.24768656492233276},{"word":"send","start":872.67,"end":872.91,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2574155032634735},{"word":"all","start":872.91,"end":873.07,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2153967171907425},{"word":"the","start":873.07,"end":873.14996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19852674007415771},{"word":"documents","start":873.14996,"end":873.63,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.16965821385383606},{"word":"out","start":873.63,"end":874.13,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18533961474895477},{"word":"to","start":875.395,"end":875.635,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1853017359972},{"word":"the","start":875.635,"end":875.79504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1827905923128128},{"word":"email","start":875.79504,"end":876.29504,"confidence":0.97631836,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.16118550300598145},{"word":"and","start":876.755,"end":877.255,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1528170108795166},{"word":"then","start":877.395,"end":877.895,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15158119797706604},{"word":"once","start":877.955,"end":878.275,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.17282278835773468},{"word":"we","start":878.275,"end":878.435,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19478893280029297},{"word":"get","start":878.435,"end":878.67505,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1629263162612915},{"word":"the","start":878.67505,"end":878.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17456480860710144},{"word":"authority","start":878.995,"end":879.395,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.1981029212474823},{"word":"to","start":879.395,"end":879.635,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20873212814331055},{"word":"proceed","start":879.635,"end":880.03503,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.18980053067207336},{"word":"from","start":880.03503,"end":880.275,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1762324720621109},{"word":"this","start":880.275,"end":880.515,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19226567447185516},{"word":"statement","start":880.515,"end":880.835,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.2126229852437973},{"word":"of","start":880.835,"end":881.075,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19021514058113095},{"word":"advice","start":881.075,"end":881.575,"confidence":0.9980469,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.1790386140346527},{"word":"we","start":881.635,"end":881.79504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2479884773492813},{"word":"can","start":881.79504,"end":882.03503,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2621467113494873},{"word":"pretty","start":882.03503,"end":882.195,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.24857297539711},{"word":"much","start":882.195,"end":882.435,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.25089555978775024},{"word":"just","start":882.435,"end":882.59503,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2805880606174469},{"word":"hop","start":882.59503,"end":882.755,"confidence":1.0,"punctuated_word":"hop","sentiment":"neutral","sentiment_score":0.20776410400867465},{"word":"on","start":882.755,"end":882.91504,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21283921599388125},{"word":"and","start":882.91504,"end":883.075,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19888579845428467},{"word":"switch","start":883.075,"end":883.395,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.16103041172027588},{"word":"the","start":883.395,"end":883.55505,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16499629616737366},{"word":"investments","start":883.55505,"end":884.03503,"confidence":0.9589844,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0685528814792633},{"word":"on","start":884.03503,"end":884.275,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.147558331489563},{"word":"hub","start":884.275,"end":884.515,"confidence":0.52197266,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1464587152004242},{"word":"pretty","start":884.515,"end":884.755,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2233760356903076},{"word":"quickly","start":884.755,"end":885.255,"confidence":0.99316406,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.1824682205915451},{"word":"amazing","start":887.49,"end":887.99,"confidence":0.986084,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.2741250991821289},{"word":"well","start":888.13,"end":888.37,"confidence":0.8366699,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.02836388722062111},{"word":"if","start":888.37,"end":888.52997,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02663217857480049},{"word":"there's","start":888.52997,"end":888.85,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.002120221732184291},{"word":"no","start":888.85,"end":889.00995,"confidence":0.5566406,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.005045980215072632},{"word":"yep","start":889.17,"end":889.67,"confidence":0.99039716,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.0026620165444910526},{"word":"yeah","start":890.61,"end":890.93,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006834215484559536},{"word":"if","start":890.93,"end":891.08997,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.008705217391252518},{"word":"you're","start":891.08997,"end":891.32996,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02759389579296112},{"word":"comfortable","start":891.32996,"end":891.81,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.01801121234893799},{"word":"with","start":891.81,"end":891.97,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05049266666173935},{"word":"it","start":891.97,"end":892.20996,"confidence":0.8898926,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.03965418413281441},{"word":"but","start":892.20996,"end":892.44995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0639859288930893},{"word":"definitely","start":892.44995,"end":892.85,"confidence":0.9633789,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.07693715393543243},{"word":"have","start":892.85,"end":893.00995,"confidence":0.97314453,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05657687410712242},{"word":"a","start":893.00995,"end":893.17,"confidence":0.6953125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06336747109889984},{"word":"read","start":893.17,"end":893.32996,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.05632376670837402},{"word":"through","start":893.32996,"end":893.57,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05439681559801102},{"word":"if","start":893.57,"end":893.73,"confidence":0.9560547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09825815260410307},{"word":"you","start":893.73,"end":893.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05607842653989792},{"word":"wanna","start":893.81,"end":894.13,"confidence":0.97509766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06466662883758545},{"word":"make","start":894.13,"end":894.37,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.045444369316101074},{"word":"sure","start":894.37,"end":894.61,"confidence":0.99609375,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06962401419878006},{"word":"beforehand","start":894.61,"end":895.11,"confidence":0.9946289,"punctuated_word":"beforehand.","sentiment":"neutral","sentiment_score":0.07634467631578445},{"word":"and","start":897.81,"end":898.29,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11852256208658218},{"word":"any","start":898.29,"end":898.52997,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11503124237060548},{"word":"questions","start":898.52997,"end":898.93,"confidence":0.98999023,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.09796217828989028},{"word":"just","start":898.93,"end":899.265,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07504686713218689},{"word":"give","start":899.34503,"end":899.505,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0976661890745163},{"word":"us","start":899.505,"end":899.585,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.16028288006782532},{"word":"a","start":899.585,"end":899.66504,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029017046093940735},{"word":"buzz","start":899.66504,"end":900.16504,"confidence":0.92944336,"punctuated_word":"buzz,","sentiment":"neutral","sentiment_score":0.11323846131563188},{"word":"but","start":900.705,"end":900.945,"confidence":0.6113281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08698902279138565},{"word":"i","start":900.945,"end":901.10504,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17217426002025604},{"word":"will","start":901.10504,"end":901.265,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11336905509233476},{"word":"leave","start":901.265,"end":901.505,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.1813503056764603},{"word":"that","start":901.505,"end":901.66504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17495512962341309},{"word":"one","start":901.66504,"end":901.905,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1826663315296173},{"word":"with","start":901.905,"end":902.065,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.206552654504776},{"word":"you","start":902.065,"end":902.565,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2619001567363739},{"word":"awesome","start":904.54504,"end":904.865,"confidence":0.9946289,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.8611093163490295},{"word":"kelly","start":904.865,"end":905.185,"confidence":0.99365234,"punctuated_word":"Kelly.","sentiment":"positive","sentiment_score":0.8270894289016724},{"word":"have","start":905.185,"end":905.34503,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.8135374188423157},{"word":"a","start":905.34503,"end":905.425,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7910032272338867},{"word":"fantastic","start":905.425,"end":905.905,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.884541392326355},{"word":"week","start":905.905,"end":906.145,"confidence":0.9914551,"punctuated_word":"week,","sentiment":"positive","sentiment_score":0.7409547567367554},{"word":"and","start":906.145,"end":906.305,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7540130019187927},{"word":"we'll","start":906.305,"end":906.54504,"confidence":1.0,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.7289028167724609},{"word":"talk","start":906.54504,"end":906.705,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.7424740791320801},{"word":"to","start":906.705,"end":906.865,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7156749963760376},{"word":"you","start":906.865,"end":907.025,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6204826831817627},{"word":"on","start":907.025,"end":907.185,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5473713874816895},{"word":"the","start":907.185,"end":907.34503,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5231860876083374},{"word":"twenty","start":907.34503,"end":907.66504,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.6185073256492615},{"word":"third","start":907.66504,"end":908.16504,"confidence":0.9975586,"punctuated_word":"third.","sentiment":"positive","sentiment_score":0.7062904834747314},{"word":"thank","start":909.905,"end":910.145,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.627752423286438},{"word":"you","start":910.145,"end":910.385,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6312865018844604},{"word":"bye","start":910.385,"end":910.885,"confidence":0.99658203,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10891469568014144}],"paragraphs":{"transcript":"\nGood afternoon, Kelly. It's Tommy here, senior adviser. How have you been? I'm doing absolutely fantastic. Very excited to talk to you today.\n\nI've got you booked in to go through your updated plan. Beautiful. So I'm gonna pop this through to your email. Will you be able to look onto the document with me today? Fantastic.\n\nAnd just while I'm sending that through, could I please confirm for security your client password with Oakview? That's the one. Thank you so much. The password prompt we've got is she will remember it. So nice and easy.\n\nNo way. I love it. I love it. Love it. So that should come through pretty soon.\n\nI believe you've already gone through our new system before, so it shouldn't be any spam folders or anything like that. Now, Kelly, when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first. So and can you see that nice beachfront city picture there of the Gold Coast? Sensational. So if you scroll down to page four, we've got scope of advice, which is essentially what this document covers versus what it's not giving advice on, and there should be a nice blue heading there.\n\nSo one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20. And we've submitted that notice of intent to claim to get that ready for your tax return. So that should come through very shortly. Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a few changes with the government and the economy. So just found a a few things that might be a little bit better for you.\n\nAnd in addition to that, the main thing was the insurances. Just getting that life, TPD, and income protection in place, but not trauma cover because you've got other cash flow priorities. Does that ring a bell? Sensational. If you go onto that next page, we've got estate planning in there just as a reminder for, you know, getting in place a will and a power of attorney, but everything else looks pretty good.\n\nAnd we're not giving any advice on debt management. So you're obviously doing your own renovations and paying off the home. We're just focusing on the super and the insurance today. Perfect. And if you go through, you will have a limited device warning after that.\n\nWe're not giving advice on everything under the sun. And if you could just quickly check for me, I've got the about you section on page six and seven, which was those updated details that we captured. So we've got your listed sales and marketing manager about a 145. Email and phone number haven't changed. And we've got assets, the main residence, property, the Ford, and a bit of savings in the offset account.\n\nPerfect. Now can you just go through a few more pages for me? On nine and ten, we've got your risk profile. So growth, that four out of five on the risk scale, primarily focusing on growth, but, again, we're not going high risk. And if you go through to strategy recommendations on 11, there should be a few headings there underneath named best interest duty.\n\nSo, basically, on this one, because retirement's a while away, we're not obviously retire sorry. Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations. Now with the portfolio, we found a bit of an underperforming investment in that Benelon option there, and I found some better replacement options there that are a bit more lower fees, bit better performance. So I wanted to just take you through that as well, but I've also factored in those contributions that you did. Now the main thing, if you go on to that table on page 12, it should be quite large, but it's got advantages and disadvantages listed.\n\nSo the main thing here is with all of these investments that we use, we use a lot of ETFs. So there is brokerage fees to purchase them upfront. It's very small, but once you've got them, they're kind of the lowest fee investments going forward. With a portfolio update, there is a bit of capital gains tax that gets done under the hood. Within super, it's 15% to switch around investments that have grown.\n\nSo I've factored in a little bit of that in there as well, but there's a huge, huge fee savings here. So if you can go down a couple more pages for me, on 14, you'll see the contributions page. And it just says make your con concessional contributions, claim them. We're using that bring forward rule, which we did factor in. I think you had about 64,000 that you could use when we had that conversation.\n\nPerfect. Now if you skip through past there, I just wanna bring your attention to pages sixteen and seventeen. It's a bit of a big table there with codes of investments. Yep. So, basically, this is what I'm updating in terms of that very top row.\n\nIt lists the BHYB, bank hybrids. Those are actually being phased out by the government as an investment option. So I'm just getting a a bit of a defensive replacement for that one at the bottom. The main one, though, is the middle row with the Benelong that's being replaced with and if you see the second last row, beta shares a 200, which is basically just a low fee passive option, And I'll show you the differences there in a second. Now on pages eighteen and nineteen, this is the fun part for me.\n\nYou can see a bit of a colored pie chart there for your asset allocation. So the main thing I wanted to point out here is that with growth, you're generally sitting between 80 to 90% growth assets. You're in the middle row, it says growth total in gray. Don't know if you can sort of make out those figures in the tape. Yep.\n\nSo 80 is the risk profile, 87 is where you were, and just under 85 once we rebalance everything. Pretty well in line, but that's fee comparison on the next page for me. Now top right, that's got the capital gains tax implication factored in for switching the investments, but you can see there the investment fees. We're able to get them below half by switching these investments around. So it goes from two two eight eight to nine five two.\n\nThey are percentage based, so it changes based on your balance, but that's an estimate based on the date the document was generated. And I factored in the contributions as well as the premiums for that new insurance cover as well. The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there. Okay. So we'll kinda offset the premiums a little bit, and I've given you an updated projection on the next page, which with a grain of salt somewhere between 1 to 400,000 extra over the next five and ten years if the markets continue to go the way they have been.\n\nK? Performance, it just brings it all up back into double digits across all time frames. Do you have any questions on the super side so far? Perfect. So, basically, new investments, extra contributions, huge impact there.\n\nAnd the main one that I wanted to walk you through is just for this insurance policy on the next page. We've gone for tau. So when you did that pre assessment with Caden, we called around and tried to see who would offer you the best outcome in terms of price, quality, and medical, and tau came out the best across all three. So this is essentially a million dollars worth of life and disability cover, income protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and five year benefit period as well. Cool?\n\nNow the only tweak for this one, there's two little things. So because of the, like, the blood pressure and the cholesterol, they've got a bit of a loading on the life cover, which has just bumped the premiums up a little bit, but it still came out very, very good. And the only other thing was with the family history of the cardiomyopathy, they've got a a bit of a precautionary exclusion on there for that particular heart condition. Now what that basically means, Kelly, is they actually did say that they can remove it after 50. So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away.\n\nK? So all I've done here is I've just said, with your existing, it may seem a bit strange, but that little bit of life cover and income protection you've got with Hub, I'm recommending that you just keep that in place in the time being because it will protect you in those events until that exclusion can be removed. K? So it's an extra couple of $100 for the year. Once that's done, we can get that canceled.\n\nPerfect. I've just included the comparison at the bottom of page 50 sorry, 22 just so you can see all the providers that we looked at and the estimate of the loadings and exclusions there. Cool. Any questions so far? Cool.\n\nWith the new life policy, we do need to put in place, obviously, a beneficiary for who receives that life insurance. We basically send the forms through. If you need any help, just call through, and Michelle and the team can walk you through it pretty easily. Do you want us to post them out with a return envelope, or are you okay to kind of print them off an email? Cool.\n\nAs long as you get that wet signs with a couple of witnesses, just because it's is that the oh, no. Yeah. So that one, is that a Hub 241? Oh, wow. Just needs to be a witness.\n\nYeah. So that'd be good. I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones. So I don't want you to send that off if it's too old and then they decline it. I don't know, Kelly.\n\nAmazing. Okay. That might what be out of date. I have seen that come across the last few months. So just in case, I will send a hub and a TAO one together.\n\nPerfect. Alrighty. Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and 22% ongoing to manage, like, claims advice and things like that. So if you get injured, we'll help you through the claims process, help make the money last, all that kind of thing. So that's disclosed at the bottom there just underneath with the advice fees that we're getting through the super.\n\nCool. With this document, so, basically, if you're happy with the plan, we sign the authority to proceed on this document. There's also an appendix in there, which is just background research, a quote for the insurer, and just a couple of product documents as well. So PDFs and the like. Those total close to 2,000 pages.\n\nSo when it comes to the Odoo system, you don't have to scroll through the whole lot. You can pretty much just click next document once you get through each one, and it will skip ahead. Okay. Just gonna double check this quote here, make sure that's all current. I believe it is.\n\nThe next step from here, we pretty much have a lot of information you've already given us from that pre assessment, and we've got the quotes and everything. Can I get you booked in to go through the application with the the implementation team? Cool. I'll bring up their calendar. Is there a good day and time next week potentially?\n\nAbsolutely. I will just bring up the phone. Perfect. And I'll just quickly double check. Do I need to worry about daylight savings?\n\nNo. New South Wales, no daylight savings. Perfect. So just after twelve on Thursday, the twenty third. Yep.\n\nPerfect. So I usually set aside an hour for that. It doesn't usually take that long. It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour. Perfect.\n\nAlright, Kelly. Any questions for me on any of the advice or additional documents at this point? Cool. Alrighty. Well, that is nice and easy.\n\nI've got all of that ready for you to to sign. Got you booked in on 12:00 or just after on the twenty third. We'll get the beneficiaries sent out to you. Basically, I guess, the way is do the application. As soon as the policy is ready to go, we'll send all the documents out to the email.\n\nAnd then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly. Amazing. Well, if there's no yep. Yeah. If you're comfortable with it, but definitely have a read through if you wanna make sure beforehand.\n\nAnd any questions, just give us a buzz, but I will leave that one with you. Awesome, Kelly. Have a fantastic week, and we'll talk to you on the twenty third. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kelly.","start":2.32,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.21777567267417908},{"text":"It's Tommy here, senior adviser.","start":3.1999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.14055367708206176},{"text":"How have you been?","start":5.12,"end":6.1,"sentiment":"neutral","sentiment_score":0.1294206827878952},{"text":"I'm doing absolutely fantastic.","start":7.6,"end":9.38,"sentiment":"positive","sentiment_score":0.8438345342874527},{"text":"Very excited to talk to you today.","start":9.5199995,"end":11.46,"sentiment":"positive","sentiment_score":0.8737597635814122}],"sentiment":"positive","sentiment_score":0.49414933116539667,"num_words":23,"start":2.32,"end":11.46},{"sentences":[{"text":"I've got you booked in to go through your updated plan.","start":11.679999,"end":14.5,"sentiment":"neutral","sentiment_score":0.32262997464700177},{"text":"Beautiful.","start":16.484999,"end":16.965,"sentiment":"positive","sentiment_score":0.6880522966384888},{"text":"So I'm gonna pop this through to your email.","start":16.965,"end":19.365,"sentiment":"neutral","sentiment_score":0.2103225721253289},{"text":"Will you be able to look onto the document with me today?","start":19.365,"end":21.785,"sentiment":"neutral","sentiment_score":0.13215049107869467},{"text":"Fantastic.","start":23.445,"end":23.925,"sentiment":"positive","sentiment_score":0.5270059704780579}],"sentiment":"neutral","sentiment_score":0.24243226559723124,"num_words":34,"start":11.679999,"end":23.925},{"sentences":[{"text":"And just while I'm sending that through, could I please confirm for security your client password with Oakview?","start":23.925,"end":31.210001,"sentiment":"neutral","sentiment_score":0.07220006164991194},{"text":"That's the one.","start":34.31,"end":35.27,"sentiment":"neutral","sentiment_score":0.10483423620462418},{"text":"Thank you so much.","start":35.27,"end":36.49,"sentiment":"positive","sentiment_score":0.553795263171196},{"text":"The password prompt we've got is she will remember it.","start":36.95,"end":39.75,"sentiment":"neutral","sentiment_score":0.21539934426546098},{"text":"So nice and easy.","start":39.75,"end":41.53,"sentiment":"positive","sentiment_score":0.567610576748848}],"sentiment":"neutral","sentiment_score":0.21163386206787366,"num_words":39,"start":23.925,"end":41.53},{"sentences":[{"text":"No way.","start":44.864998,"end":45.605,"sentiment":"neutral","sentiment_score":-0.05792460311204195},{"text":"I love it.","start":45.745,"end":46.645,"sentiment":"positive","sentiment_score":0.739104688167572},{"text":"I love it.","start":46.785,"end":47.265,"sentiment":"positive","sentiment_score":0.7514760494232178},{"text":"Love it.","start":47.265,"end":48.004997,"sentiment":"positive","sentiment_score":0.6878671050071716},{"text":"So that should come through pretty soon.","start":48.225,"end":50.245,"sentiment":"neutral","sentiment_score":0.3092686448778425}],"sentiment":"positive","sentiment_score":0.46450045474750157,"num_words":17,"start":44.864998,"end":50.245},{"sentences":[{"text":"I believe you've already gone through our new system before, so it shouldn't be any spam folders or anything like that.","start":50.545,"end":55.71,"sentiment":"neutral","sentiment_score":0.05656514795763152},{"text":"Now, Kelly, when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first.","start":57.39,"end":71.25,"sentiment":"neutral","sentiment_score":0.07020926415920258},{"text":"So and can you see that nice beachfront city picture there of the Gold Coast?","start":73.385,"end":77.865005,"sentiment":"neutral","sentiment_score":0.051202526316046715},{"text":"Sensational.","start":77.865005,"end":78.365005,"sentiment":"neutral","sentiment_score":0.06053714826703072},{"text":"So if you scroll down to page four, we've got scope of advice, which is essentially what this document covers versus what it's not giving advice on, and there should be a nice blue heading there.","start":79.065,"end":89.94,"sentiment":"neutral","sentiment_score":0.010431256636770235}],"sentiment":"neutral","sentiment_score":0.047987248756112606,"num_words":123,"start":50.545,"end":89.94},{"sentences":[{"text":"So one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20.","start":90.4,"end":99.94,"sentiment":"neutral","sentiment_score":0.002890606690198183},{"text":"And we've submitted that notice of intent to claim to get that ready for your tax return.","start":100.205,"end":106.125,"sentiment":"neutral","sentiment_score":0.04328879966017078},{"text":"So that should come through very shortly.","start":106.125,"end":107.825,"sentiment":"neutral","sentiment_score":0.16775769421032496},{"text":"Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a few changes with the government and the economy.","start":109.405,"end":117.79,"sentiment":"neutral","sentiment_score":0.1359788229869258},{"text":"So just found a a few things that might be a little bit better for you.","start":117.79,"end":121.49,"sentiment":"neutral","sentiment_score":0.2804505964741111}],"sentiment":"neutral","sentiment_score":0.10593549218397624,"num_words":101,"start":90.4,"end":121.49},{"sentences":[{"text":"And in addition to that, the main thing was the insurances.","start":121.55,"end":124.53,"sentiment":"neutral","sentiment_score":0.11648125099864873},{"text":"Just getting that life, TPD, and income protection in place, but not trauma cover because you've got other cash flow priorities.","start":125.07,"end":131.645,"sentiment":"neutral","sentiment_score":0.09444237642344974},{"text":"Does that ring a bell?","start":131.785,"end":132.845,"sentiment":"neutral","sentiment_score":0.0780036360025406},{"text":"Sensational.","start":133.945,"end":134.445,"sentiment":"neutral","sentiment_score":-0.023922234773635864},{"text":"If you go onto that next page, we've got estate planning in there just as a reminder for, you know, getting in place a will and a power of attorney, but everything else looks pretty good.","start":134.665,"end":143.965,"sentiment":"neutral","sentiment_score":0.1302775445704659}],"sentiment":"neutral","sentiment_score":0.1124415029142354,"num_words":74,"start":121.55,"end":143.965},{"sentences":[{"text":"And we're not giving any advice on debt management.","start":144.21,"end":146.63,"sentiment":"negative","sentiment_score":-0.34272399213578963},{"text":"So you're obviously doing your own renovations and paying off the home.","start":146.69,"end":149.81,"sentiment":"neutral","sentiment_score":-0.17868687150379023},{"text":"We're just focusing on the super and the insurance today.","start":149.81,"end":154.21,"sentiment":"neutral","sentiment_score":0.10365188783034682},{"text":"Perfect.","start":154.21,"end":154.71,"sentiment":"positive","sentiment_score":0.5076332688331604},{"text":"And if you go through, you will have a limited device warning after that.","start":154.77,"end":158.785,"sentiment":"neutral","sentiment_score":-0.017551123829824586}],"sentiment":"neutral","sentiment_score":-0.08544178203801098,"num_words":46,"start":144.21,"end":158.785},{"sentences":[{"text":"We're not giving advice on everything under the sun.","start":158.785,"end":161.205,"sentiment":"neutral","sentiment_score":-0.2912650571929084},{"text":"And if you could just quickly check for me, I've got the about you section on page six and seven, which was those updated details that we captured.","start":161.345,"end":168.885,"sentiment":"neutral","sentiment_score":0.01886291994846293},{"text":"So we've got your listed sales and marketing manager about a 145.","start":169.53,"end":173.71,"sentiment":"neutral","sentiment_score":0.09252470421294372},{"text":"Email and phone number haven't changed.","start":174.25,"end":176.27,"sentiment":"neutral","sentiment_score":0.01787949415544669},{"text":"And we've got assets, the main residence, property, the Ford, and a bit of savings in the offset account.","start":176.65001,"end":183.07,"sentiment":"neutral","sentiment_score":0.10072727815101021}],"sentiment":"neutral","sentiment_score":0.014029296542945746,"num_words":74,"start":158.785,"end":183.07},{"sentences":[{"text":"Perfect.","start":184.595,"end":185.095,"sentiment":"neutral","sentiment_score":0.3292454481124878},{"text":"Now can you just go through a few more pages for me?","start":185.47499,"end":187.875,"sentiment":"neutral","sentiment_score":0.06824184612681468},{"text":"On nine and ten, we've got your risk profile.","start":187.875,"end":190.215,"sentiment":"neutral","sentiment_score":0.012418629498117499},{"text":"So growth, that four out of five on the risk scale, primarily focusing on growth, but, again, we're not going high risk.","start":191.875,"end":198.23999,"sentiment":"neutral","sentiment_score":0.003949247300624847},{"text":"And if you go through to strategy recommendations on 11, there should be a few headings there underneath named best interest duty.","start":198.37999,"end":207.04,"sentiment":"neutral","sentiment_score":0.06693105179477822}],"sentiment":"neutral","sentiment_score":0.04271639162448771,"num_words":66,"start":184.595,"end":207.04},{"sentences":[{"text":"So, basically, on this one, because retirement's a while away, we're not obviously retire sorry.","start":210.315,"end":215.035,"sentiment":"neutral","sentiment_score":-0.1069946438074112},{"text":"Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations.","start":215.035,"end":228.91,"sentiment":"neutral","sentiment_score":0.11048641128708488},{"text":"Now with the portfolio, we found a bit of an underperforming investment in that Benelon option there, and I found some better replacement options there that are a bit more lower fees, bit better performance.","start":230.73001,"end":243.07501,"sentiment":"neutral","sentiment_score":-0.007630312762090138},{"text":"So I wanted to just take you through that as well, but I've also factored in those contributions that you did.","start":243.29501,"end":248.31,"sentiment":"neutral","sentiment_score":0.07611877879216558},{"text":"Now the main thing, if you go on to that table on page 12, it should be quite large, but it's got advantages and disadvantages listed.","start":249.67,"end":256.09,"sentiment":"neutral","sentiment_score":-0.13365855555121714}],"sentiment":"neutral","sentiment_score":0.009327036543534352,"num_words":143,"start":210.315,"end":256.09},{"sentences":[{"text":"So the main thing here is with all of these investments that we use, we use a lot of ETFs.","start":256.71,"end":261.53,"sentiment":"neutral","sentiment_score":0.30589219480752944},{"text":"So there is brokerage fees to purchase them upfront.","start":262.095,"end":264.83502,"sentiment":"neutral","sentiment_score":0.20391557117303213},{"text":"It's very small, but once you've got them, they're kind of the lowest fee investments going forward.","start":265.135,"end":269.95502,"sentiment":"positive","sentiment_score":0.3783438118065105},{"text":"With a portfolio update, there is a bit of capital gains tax that gets done under the hood.","start":271.535,"end":276.195,"sentiment":"neutral","sentiment_score":0.22737113138039908},{"text":"Within super, it's 15% to switch around investments that have grown.","start":276.53998,"end":280.47998,"sentiment":"neutral","sentiment_score":0.2045982669700276}],"sentiment":"neutral","sentiment_score":0.27637586851914725,"num_words":75,"start":256.71,"end":280.47998},{"sentences":[{"text":"So I've factored in a little bit of that in there as well, but there's a huge, huge fee savings here.","start":280.62,"end":286.37997,"sentiment":"positive","sentiment_score":0.33594746249062674},{"text":"So if you can go down a couple more pages for me, on 14, you'll see the contributions page.","start":286.37997,"end":292.565,"sentiment":"neutral","sentiment_score":0.23033788800239563},{"text":"And it just says make your con concessional contributions, claim them.","start":293.425,"end":297.025,"sentiment":"neutral","sentiment_score":0.1560693776065653},{"text":"We're using that bring forward rule, which we did factor in.","start":297.025,"end":299.985,"sentiment":"neutral","sentiment_score":0.1821476464921778},{"text":"I think you had about 64,000 that you could use when we had that conversation.","start":299.985,"end":304.86,"sentiment":"neutral","sentiment_score":0.14217088570197423}],"sentiment":"neutral","sentiment_score":0.22447100175278528,"num_words":77,"start":280.62,"end":304.86},{"sentences":[{"text":"Perfect.","start":306.52,"end":307.02,"sentiment":"positive","sentiment_score":0.43191349506378174},{"text":"Now if you skip through past there, I just wanna bring your attention to pages sixteen and seventeen.","start":307.24,"end":313.26,"sentiment":"neutral","sentiment_score":0.09658371491564645},{"text":"It's a bit of a big table there with codes of investments.","start":313.63998,"end":317.34,"sentiment":"neutral","sentiment_score":0.045735533659656845},{"text":"Yep.","start":317.56,"end":318.06,"sentiment":"neutral","sentiment_score":0.07612089812755585},{"text":"So, basically, this is what I'm updating in terms of that very top row.","start":318.575,"end":322.515,"sentiment":"neutral","sentiment_score":0.07923214616520065}],"sentiment":"neutral","sentiment_score":0.0848829937369927,"num_words":46,"start":306.52,"end":322.515},{"sentences":[{"text":"It lists the BHYB, bank hybrids.","start":322.73502,"end":325.875,"sentiment":"neutral","sentiment_score":0.05469027658303579},{"text":"Those are actually being phased out by the government as an investment option.","start":326.415,"end":330.515,"sentiment":"neutral","sentiment_score":0.03655165878052895},{"text":"So I'm just getting a a bit of a defensive replacement for that one at the bottom.","start":330.57,"end":334.43,"sentiment":"neutral","sentiment_score":0.07065598184571546},{"text":"The main one, though, is the middle row with the Benelong that's being replaced with and if you see the second last row, beta shares a 200, which is basically just a low fee passive option, And I'll show you the differences there in a second.","start":334.73,"end":349.115,"sentiment":"neutral","sentiment_score":0.12161451221808144},{"text":"Now on pages eighteen and nineteen, this is the fun part for me.","start":350.535,"end":354.135,"sentiment":"positive","sentiment_score":0.37093092845036435}],"sentiment":"neutral","sentiment_score":0.13074562680956564,"num_words":95,"start":322.73502,"end":354.135},{"sentences":[{"text":"You can see a bit of a colored pie chart there for your asset allocation.","start":354.135,"end":358.07498,"sentiment":"neutral","sentiment_score":0.24426168600718182},{"text":"So the main thing I wanted to point out here is that with growth, you're generally sitting between 80 to 90% growth assets.","start":359.67,"end":367.05002,"sentiment":"neutral","sentiment_score":0.07458067021292189},{"text":"You're in the middle row, it says growth total in gray.","start":367.59,"end":370.23,"sentiment":"neutral","sentiment_score":0.03466067683290352},{"text":"Don't know if you can sort of make out those figures in the tape.","start":370.23,"end":372.735,"sentiment":"neutral","sentiment_score":0.012329366257680314},{"text":"Yep.","start":373.935,"end":374.25497,"sentiment":"neutral","sentiment_score":0.10289271920919418}],"sentiment":"neutral","sentiment_score":0.09431331245286856,"num_words":64,"start":354.135,"end":374.25497},{"sentences":[{"text":"So 80 is the risk profile, 87 is where you were, and just under 85 once we rebalance everything.","start":374.25497,"end":380.835,"sentiment":"neutral","sentiment_score":0.057417473902827816},{"text":"Pretty well in line, but that's fee comparison on the next page for me.","start":381.215,"end":386.16,"sentiment":"neutral","sentiment_score":0.12984212700809752},{"text":"Now top right, that's got the capital gains tax implication factored in for switching the investments, but you can see there the investment fees.","start":388.08002,"end":397.44,"sentiment":"neutral","sentiment_score":0.04219263427269956},{"text":"We're able to get them below half by switching these investments around.","start":397.44,"end":401.86002,"sentiment":"neutral","sentiment_score":0.06863322854042053},{"text":"So it goes from two two eight eight to nine five two.","start":403.785,"end":406.345,"sentiment":"neutral","sentiment_score":0.12953884154558182}],"sentiment":"neutral","sentiment_score":0.0777704919239989,"num_words":81,"start":374.25497,"end":406.345},{"sentences":[{"text":"They are percentage based, so it changes based on your balance, but that's an estimate based on the date the document was generated.","start":406.345,"end":413.645,"sentiment":"neutral","sentiment_score":0.13077871631021085},{"text":"And I factored in the contributions as well as the premiums for that new insurance cover as well.","start":414.10498,"end":421.19,"sentiment":"neutral","sentiment_score":0.12453196570277214},{"text":"The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there.","start":422.93,"end":432.31,"sentiment":"neutral","sentiment_score":0.18522467900966777},{"text":"Okay.","start":433.545,"end":433.865,"sentiment":"neutral","sentiment_score":0.1958741843700409},{"text":"So we'll kinda offset the premiums a little bit, and I've given you an updated projection on the next page, which with a grain of salt somewhere between 1 to 400,000 extra over the next five and ten years if the markets continue to go the way they have been.","start":433.865,"end":449.1,"sentiment":"neutral","sentiment_score":0.1351673900336027}],"sentiment":"neutral","sentiment_score":0.14524996062078752,"num_words":121,"start":406.345,"end":449.1},{"sentences":[{"text":"K?","start":450.84,"end":451.34,"sentiment":"neutral","sentiment_score":0.10309460759162904},{"text":"Performance, it just brings it all up back into double digits across all time frames.","start":452.2,"end":456.46,"sentiment":"positive","sentiment_score":0.6035696168740591},{"text":"Do you have any questions on the super side so far?","start":457.32,"end":459.66,"sentiment":"neutral","sentiment_score":0.18018580837683243},{"text":"Perfect.","start":462.24503,"end":462.565,"sentiment":"positive","sentiment_score":0.549047589302063},{"text":"So, basically, new investments, extra contributions, huge impact there.","start":462.565,"end":466.725,"sentiment":"positive","sentiment_score":0.3808768060472276}],"sentiment":"positive","sentiment_score":0.4085303134209401,"num_words":37,"start":450.84,"end":466.725},{"sentences":[{"text":"And the main one that I wanted to walk you through is just for this insurance policy on the next page.","start":466.725,"end":471.385,"sentiment":"neutral","sentiment_score":0.14813857348192305},{"text":"We've gone for tau.","start":472.5,"end":474.2,"sentiment":"neutral","sentiment_score":0.08654899522662163},{"text":"So when you did that pre assessment with Caden, we called around and tried to see who would offer you the best outcome in terms of price, quality, and medical, and tau came out the best across all three.","start":474.5,"end":487.695,"sentiment":"neutral","sentiment_score":0.1802264031691429},{"text":"So this is essentially a million dollars worth of life and disability cover, income protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and five year benefit period as well.","start":488.89502,"end":502.755,"sentiment":"neutral","sentiment_score":0.18123579025268555},{"text":"Cool?","start":503.49002,"end":503.99002,"sentiment":"neutral","sentiment_score":0.3173491954803467}],"sentiment":"neutral","sentiment_score":0.17201841833456508,"num_words":106,"start":466.725,"end":503.99002},{"sentences":[{"text":"Now the only tweak for this one, there's two little things.","start":504.37,"end":507.43002,"sentiment":"neutral","sentiment_score":0.05539088848639618},{"text":"So because of the, like, the blood pressure and the cholesterol, they've got a bit of a loading on the life cover, which has just bumped the premiums up a little bit, but it still came out very, very good.","start":507.89,"end":519.625,"sentiment":"neutral","sentiment_score":0.19127619955688716},{"text":"And the only other thing was with the family history of the cardiomyopathy, they've got a a bit of a precautionary exclusion on there for that particular heart condition.","start":520.005,"end":529.865,"sentiment":"neutral","sentiment_score":-0.02910898323973705},{"text":"Now what that basically means, Kelly, is they actually did say that they can remove it after 50.","start":531.69,"end":536.19,"sentiment":"neutral","sentiment_score":0.0022476735628313487},{"text":"So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away.","start":536.33,"end":543.15,"sentiment":"neutral","sentiment_score":0.04291746780276298}],"sentiment":"neutral","sentiment_score":0.06934619561685779,"num_words":123,"start":504.37,"end":543.15},{"sentences":[{"text":"K?","start":544.795,"end":545.275,"sentiment":"neutral","sentiment_score":0.03887903690338135},{"text":"So all I've done here is I've just said, with your existing, it may seem a bit strange, but that little bit of life cover and income protection you've got with Hub, I'm recommending that you just keep that in place in the time being because it will protect you in those events until that exclusion can be removed.","start":545.275,"end":561.06,"sentiment":"neutral","sentiment_score":0.06644113930100101},{"text":"K?","start":562.31995,"end":562.63995,"sentiment":"neutral","sentiment_score":0.04442255944013595},{"text":"So it's an extra couple of $100 for the year.","start":562.63995,"end":564.95996,"sentiment":"neutral","sentiment_score":-0.005431878194212913},{"text":"Once that's done, we can get that canceled.","start":564.95996,"end":566.98,"sentiment":"neutral","sentiment_score":-0.05158524471335113}],"sentiment":"neutral","sentiment_score":0.04476364652472961,"num_words":79,"start":544.795,"end":566.98},{"sentences":[{"text":"Perfect.","start":568.72,"end":569.22,"sentiment":"positive","sentiment_score":0.5578556060791016},{"text":"I've just included the comparison at the bottom of page 50 sorry, 22 just so you can see all the providers that we looked at and the estimate of the loadings and exclusions there.","start":569.36,"end":579.825,"sentiment":"neutral","sentiment_score":0.1168496954966994},{"text":"Cool.","start":581.325,"end":581.80505,"sentiment":"positive","sentiment_score":0.3335443139076233},{"text":"Any questions so far?","start":581.80505,"end":583.10504,"sentiment":"neutral","sentiment_score":0.14636262878775597},{"text":"Cool.","start":584.765,"end":585.265,"sentiment":"neutral","sentiment_score":0.21709710359573364}],"sentiment":"neutral","sentiment_score":0.1382155411127137,"num_words":41,"start":568.72,"end":585.265},{"sentences":[{"text":"With the new life policy, we do need to put in place, obviously, a beneficiary for who receives that life insurance.","start":585.325,"end":591.39,"sentiment":"neutral","sentiment_score":0.08840988948941231},{"text":"We basically send the forms through.","start":592.97003,"end":594.89,"sentiment":"neutral","sentiment_score":0.04745196675260862},{"text":"If you need any help, just call through, and Michelle and the team can walk you through it pretty easily.","start":594.89,"end":599.15,"sentiment":"neutral","sentiment_score":0.1445621106773615},{"text":"Do you want us to post them out with a return envelope, or are you okay to kind of print them off an email?","start":599.475,"end":605.975,"sentiment":"neutral","sentiment_score":0.026421496567005914},{"text":"Cool.","start":609.63495,"end":610.035,"sentiment":"neutral","sentiment_score":0.21457260847091675}],"sentiment":"neutral","sentiment_score":0.0816840308252722,"num_words":72,"start":585.325,"end":610.035},{"sentences":[{"text":"As long as you get that wet signs with a couple of witnesses, just because it's is that the oh, no.","start":610.035,"end":626.36,"sentiment":"neutral","sentiment_score":0.056340747113738744},{"text":"Yeah.","start":631.435,"end":631.755,"sentiment":"neutral","sentiment_score":0.007317527197301388},{"text":"So that one, is that a Hub 241?","start":631.755,"end":634.01495,"sentiment":"neutral","sentiment_score":0.0048476955853402615},{"text":"Oh, wow.","start":650.41,"end":651.07,"sentiment":"neutral","sentiment_score":0.03635150194168091},{"text":"Just needs to be a witness.","start":655.055,"end":656.275,"sentiment":"neutral","sentiment_score":-0.007971586969991526}],"sentiment":"neutral","sentiment_score":0.03300337535084078,"num_words":38,"start":610.035,"end":656.275},{"sentences":[{"text":"Yeah.","start":658.495,"end":658.895,"sentiment":"neutral","sentiment_score":0.027079429477453232},{"text":"So that'd be good.","start":658.895,"end":660.895,"sentiment":"neutral","sentiment_score":0.19539851695299149},{"text":"I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones.","start":660.895,"end":666.09503,"sentiment":"neutral","sentiment_score":-0.06492530573159457},{"text":"So I don't want you to send that off if it's too old and then they decline it.","start":666.09503,"end":670.55005,"sentiment":"negative","sentiment_score":-0.515187508530087},{"text":"I don't know, Kelly.","start":674.37,"end":675.43,"sentiment":"neutral","sentiment_score":-0.1651852447539568}],"sentiment":"neutral","sentiment_score":-0.22178614361489074,"num_words":47,"start":658.495,"end":675.43},{"sentences":[{"text":"Amazing.","start":688.865,"end":689.345,"sentiment":"neutral","sentiment_score":0.2221185564994812},{"text":"Okay.","start":689.345,"end":689.845,"sentiment":"neutral","sentiment_score":-0.01845572143793106},{"text":"That might what be out of date.","start":689.985,"end":691.665,"sentiment":"neutral","sentiment_score":-0.23884397319384984},{"text":"I have seen that come across the last few months.","start":691.665,"end":694.54004,"sentiment":"neutral","sentiment_score":-0.06594541408121586},{"text":"So just in case, I will send a hub and a TAO one together.","start":694.68,"end":699.18,"sentiment":"neutral","sentiment_score":0.01921390781977347}],"sentiment":"neutral","sentiment_score":-0.05632437601911299,"num_words":33,"start":688.865,"end":699.18},{"sentences":[{"text":"Perfect.","start":701.24,"end":701.74,"sentiment":"positive","sentiment_score":0.5767919421195984},{"text":"Alrighty.","start":701.96,"end":702.46,"sentiment":"neutral","sentiment_score":0.28884178400039673},{"text":"Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and 22% ongoing to manage, like, claims advice and things like that.","start":703.24,"end":722.38,"sentiment":"neutral","sentiment_score":0.08902160533600384},{"text":"So if you get injured, we'll help you through the claims process, help make the money last, all that kind of thing.","start":722.38,"end":728.3,"sentiment":"neutral","sentiment_score":0.05133283121342009},{"text":"So that's disclosed at the bottom there just underneath with the advice fees that we're getting through the super.","start":728.3,"end":733.60004,"sentiment":"neutral","sentiment_score":0.032506964904697316}],"sentiment":"neutral","sentiment_score":0.07521091575141657,"num_words":88,"start":701.24,"end":733.60004},{"sentences":[{"text":"Cool.","start":735.64496,"end":736.14496,"sentiment":"neutral","sentiment_score":0.2996734380722046},{"text":"With this document, so, basically, if you're happy with the plan, we sign the authority to proceed on this document.","start":736.365,"end":743.505,"sentiment":"neutral","sentiment_score":0.22048420011997222},{"text":"There's also an appendix in there, which is just background research, a quote for the insurer, and just a couple of product documents as well.","start":743.725,"end":754.56,"sentiment":"neutral","sentiment_score":0.13358957797288895},{"text":"So PDFs and the like.","start":754.56,"end":756.18005,"sentiment":"neutral","sentiment_score":0.09065617620944977},{"text":"Those total close to 2,000 pages.","start":756.64,"end":759.46,"sentiment":"neutral","sentiment_score":0.12326417987545331}],"sentiment":"neutral","sentiment_score":0.16213969912445336,"num_words":57,"start":735.64496,"end":759.46},{"sentences":[{"text":"So when it comes to the Odoo system, you don't have to scroll through the whole lot.","start":759.76,"end":763.605,"sentiment":"neutral","sentiment_score":0.11573902429903254},{"text":"You can pretty much just click next document once you get through each one, and it will skip ahead.","start":763.605,"end":768.665,"sentiment":"neutral","sentiment_score":0.09594836105641566},{"text":"Okay.","start":770.64496,"end":771.14496,"sentiment":"neutral","sentiment_score":0.07408107817173004},{"text":"Just gonna double check this quote here, make sure that's all current.","start":771.605,"end":775.70496,"sentiment":"neutral","sentiment_score":0.06732623899976413},{"text":"I believe it is.","start":777.31,"end":778.53,"sentiment":"neutral","sentiment_score":0.07926557213068008}],"sentiment":"neutral","sentiment_score":0.09414416052541642,"num_words":53,"start":759.76,"end":778.53},{"sentences":[{"text":"The next step from here, we pretty much have a lot of information you've already given us from that pre assessment, and we've got the quotes and everything.","start":778.59,"end":784.61,"sentiment":"neutral","sentiment_score":0.09463567592735801},{"text":"Can I get you booked in to go through the application with the the implementation team?","start":785.55,"end":791.41003,"sentiment":"neutral","sentiment_score":0.08254799200221896},{"text":"Cool.","start":794.055,"end":794.555,"sentiment":"positive","sentiment_score":0.5281809568405151},{"text":"I'll bring up their calendar.","start":794.935,"end":796.39496,"sentiment":"neutral","sentiment_score":0.28348803520202637},{"text":"Is there a good day and time next week potentially?","start":797.415,"end":801.675,"sentiment":"neutral","sentiment_score":0.19060318022966385}],"sentiment":"neutral","sentiment_score":0.13037032888581354,"num_words":60,"start":778.59,"end":801.675},{"sentences":[{"text":"Absolutely.","start":808.8,"end":809.3,"sentiment":"neutral","sentiment_score":0.08970087021589279},{"text":"I will just bring up the phone.","start":810.0,"end":811.7,"sentiment":"neutral","sentiment_score":0.06573969764368874},{"text":"Perfect.","start":818.255,"end":818.755,"sentiment":"positive","sentiment_score":0.3688408136367798},{"text":"And I'll just quickly double check.","start":819.695,"end":822.03503,"sentiment":"neutral","sentiment_score":0.14782766004403433},{"text":"Do I need to worry about daylight savings?","start":822.17505,"end":826.195,"sentiment":"neutral","sentiment_score":-0.009981780895031989}],"sentiment":"neutral","sentiment_score":0.0750361426288019,"num_words":23,"start":808.8,"end":826.195},{"sentences":[{"text":"No.","start":826.575,"end":826.895,"sentiment":"neutral","sentiment_score":-0.07025980204343796},{"text":"New South Wales, no daylight savings.","start":826.895,"end":828.575,"sentiment":"neutral","sentiment_score":-0.030758132381985586},{"text":"Perfect.","start":828.575,"end":829.075,"sentiment":"neutral","sentiment_score":0.17167624831199646},{"text":"So just after twelve on Thursday, the twenty third.","start":829.31,"end":833.81,"sentiment":"neutral","sentiment_score":0.03644508868455887},{"text":"Yep.","start":834.99,"end":835.49,"sentiment":"neutral","sentiment_score":0.08896710723638535}],"sentiment":"neutral","sentiment_score":0.01854669763189223,"num_words":18,"start":826.575,"end":835.49},{"sentences":[{"text":"Perfect.","start":836.11,"end":836.58997,"sentiment":"positive","sentiment_score":0.3635968267917633},{"text":"So I usually set aside an hour for that.","start":836.58997,"end":838.51,"sentiment":"neutral","sentiment_score":0.18325267732143402},{"text":"It doesn't usually take that long.","start":838.51,"end":840.20996,"sentiment":"neutral","sentiment_score":0.14689571410417557},{"text":"It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour.","start":840.75,"end":847.145,"sentiment":"neutral","sentiment_score":0.11121122510387348},{"text":"Perfect.","start":849.28503,"end":849.78503,"sentiment":"positive","sentiment_score":0.4214949309825897}],"sentiment":"neutral","sentiment_score":0.14435423234867495,"num_words":43,"start":836.11,"end":849.78503},{"sentences":[{"text":"Alright, Kelly.","start":849.84503,"end":850.565,"sentiment":"neutral","sentiment_score":0.1968488022685051},{"text":"Any questions for me on any of the advice or additional documents at this point?","start":850.565,"end":854.10504,"sentiment":"neutral","sentiment_score":0.08900175939003627},{"text":"Cool.","start":856.085,"end":856.48505,"sentiment":"neutral","sentiment_score":0.13729608058929443},{"text":"Alrighty.","start":856.48505,"end":856.98505,"sentiment":"neutral","sentiment_score":0.2243337333202362},{"text":"Well, that is nice and easy.","start":857.125,"end":858.885,"sentiment":"positive","sentiment_score":0.6234525740146637}],"sentiment":"neutral","sentiment_score":0.23324277013540268,"num_words":25,"start":849.84503,"end":858.885},{"sentences":[{"text":"I've got all of that ready for you to to sign.","start":858.885,"end":860.91,"sentiment":"positive","sentiment_score":0.3764447407288985},{"text":"Got you booked in on 12:00 or just after on the twenty third.","start":860.91,"end":865.57,"sentiment":"neutral","sentiment_score":0.1818160219834401},{"text":"We'll get the beneficiaries sent out to you.","start":865.79,"end":867.95,"sentiment":"neutral","sentiment_score":0.29352080449461937},{"text":"Basically, I guess, the way is do the application.","start":867.95,"end":870.61,"sentiment":"neutral","sentiment_score":0.22017064028316075},{"text":"As soon as the policy is ready to go, we'll send all the documents out to the email.","start":870.91,"end":876.29504,"sentiment":"neutral","sentiment_score":0.21491261902782652}],"sentiment":"neutral","sentiment_score":0.24919711482726922,"num_words":59,"start":858.885,"end":876.29504},{"sentences":[{"text":"And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly.","start":876.755,"end":885.255,"sentiment":"neutral","sentiment_score":0.19174597643572708},{"text":"Amazing.","start":887.49,"end":887.99,"sentiment":"neutral","sentiment_score":0.2741250991821289},{"text":"Well, if there's no yep.","start":888.13,"end":889.67,"sentiment":"neutral","sentiment_score":0.009881658153608442},{"text":"Yeah.","start":890.61,"end":890.93,"sentiment":"neutral","sentiment_score":0.006834215484559536},{"text":"If you're comfortable with it, but definitely have a read through if you wanna make sure beforehand.","start":890.93,"end":895.11,"sentiment":"neutral","sentiment_score":0.054497732616522736}],"sentiment":"neutral","sentiment_score":0.12863136559531516,"num_words":53,"start":876.755,"end":895.11},{"sentences":[{"text":"And any questions, just give us a buzz, but I will leave that one with you.","start":897.81,"end":902.565,"sentiment":"neutral","sentiment_score":0.13667027140036225},{"text":"Awesome, Kelly.","start":904.54504,"end":905.185,"sentiment":"positive","sentiment_score":0.844099372625351},{"text":"Have a fantastic week, and we'll talk to you on the twenty third.","start":905.185,"end":908.16504,"sentiment":"positive","sentiment_score":0.7066876659026513},{"text":"Thank you.","start":909.905,"end":910.385,"sentiment":"positive","sentiment_score":0.6295194625854492},{"text":"Bye.","start":910.385,"end":910.885,"sentiment":"neutral","sentiment_score":-0.10891469568014144}],"sentiment":"positive","sentiment_score":0.41799961687887416,"num_words":34,"start":897.81,"end":910.885}]}}]},{"alternatives":[{"transcript":"Hello. This is Kelly. Good. Thank you. How are you? Oh, k. That's fine. Yeah. Sure. Is it Longo186? Mhmm. And I didn't last time they asked me. I had no idea what it was, but I figured it out. Sorry. It was fun. Yeah. That Mhmm. Yep. Got it. Mhmm. Yep. Got it. Yep. Yes. Yes. Mhmm. Mhmm. Cool. Mhmm. Yes. Yes. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Yes. Mhmm. Yep. Yes. Yes. Oh, yeah. Yes. What's the numbers? Yes. Mhmm. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Ah, yes. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Okay. Cool. Very good. No. No. All good. All fine. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Cool. Yeah. Okay. Good. Yep. Yep. Mhmm. Mhmm. Yeah. That's fine. Yeah. That's okay. Mhmm. Okay. Cool. Mhmm. Mhmm. Yeah. That's fine. Yeah. Yep. Yep. No problem. Yeah. Mhmm. Cool. That's great. Thank you. Nope. All good. Mhmm. I can print them off an email. That's fine. I've actually got one here. I've actually got beneficiary nomination form. I've got one and I still there, and I just need someone to witness my signature. I've had it here for about twelve months. I can't maybe I just that's all I need to do, isn't it? That's it. I think it was printed off from my house. When we had our wills done, the lawyer, she she printed it off. So it's, yeah, mailed to Hub 24 Super GPO Box 529 Sydney, New South Wales. Yeah. It I've got it done. I've got it done. I just need to post it. I just need to witness. Yeah. Yeah. Which maybe I'll do this weekend. Well, the it has been witnessed. Why haven't I sent it? It has been witnessed. So it's no. No. It's a rhetorical question, not purely to answer. But no. The the lawyer, she witnessed it, and, also, there was two witnesses. I've got signed on this, but it's in 2025, like, literally a year ago. Yep. Yep. Yep. Okay. Cool. That's fine. Yep. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Okay. Mhmm. Yeah. That's fine. Probably not next week because I've got my family here. Can we do the week after? Probably, let's just go holiday. So it might be on the third or the twenty third after 12PM. No. Mhmm. Yep. That'd be fine. Yep. Yeah. That's fine. No. Mhmm. Okay. No problem. So do I start this now or wait through it? Yep. Yep. Oh, well, yep. Yep. Alright. Wonderful. Thanks for your time. Will do. Thank you. Thank you. Bye bye.","confidence":0.9741211,"words":[{"word":"hello","start":0.24,"end":0.48,"confidence":0.8803711,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.0349431149661541},{"word":"this","start":0.48,"end":0.79999995,"confidence":0.78466797,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.038118455559015274},{"word":"is","start":0.79999995,"end":0.96,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0295232143253088},{"word":"kelly","start":0.96,"end":1.46,"confidence":0.9577637,"punctuated_word":"Kelly.","sentiment":"neutral","sentiment_score":0.03741855174303055},{"word":"good","start":6.24,"end":6.48,"confidence":0.95166016,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.39848968386650085},{"word":"thank","start":6.48,"end":6.72,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7141640186309814},{"word":"you","start":6.72,"end":6.8799996,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5317070484161377},{"word":"how","start":6.8799996,"end":7.04,"confidence":0.9980469,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.35092785954475403},{"word":"are","start":7.04,"end":7.12,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3044019937515259},{"word":"you","start":7.12,"end":7.62,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3873049914836883},{"word":"oh","start":14.24,"end":14.74,"confidence":0.5600586,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.22413453459739685},{"word":"k","start":14.96,"end":15.28,"confidence":0.7597656,"punctuated_word":"k.","sentiment":"neutral","sentiment_score":0.18836665153503415},{"word":"that's","start":15.28,"end":15.599999,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4006660580635071},{"word":"fine","start":15.599999,"end":15.975,"confidence":0.98999023,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.38918888568878174},{"word":"yeah","start":21.975,"end":22.215,"confidence":0.9250488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11384768784046172},{"word":"sure","start":22.215,"end":22.715,"confidence":0.9995117,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.23915532231330872},{"word":"is","start":32.29,"end":32.53,"confidence":0.52246094,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.015061292797327042},{"word":"it","start":32.53,"end":32.61,"confidence":0.9526367,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026841454207897183},{"word":"longo186","start":32.61,"end":34.07,"confidence":0.8456217,"punctuated_word":"Longo186?","sentiment":"neutral","sentiment_score":0.02975531853735447},{"word":"mhmm","start":35.489998,"end":35.989998,"confidence":0.98657227,"punctuated_word":"Mhmm.","sentiment":"positive","sentiment_score":0.35059359669685364},{"word":"and","start":40.85,"end":41.01,"confidence":0.6845703,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.553363025188446},{"word":"i","start":41.01,"end":41.17,"confidence":0.9892578,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.541694164276123},{"word":"didn't","start":41.17,"end":41.65,"confidence":0.99902344,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.018360698595643044},{"word":"last","start":41.65,"end":41.89,"confidence":0.5708008,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.016931800171732903},{"word":"time","start":41.89,"end":42.129997,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.011086326092481611},{"word":"they","start":42.129997,"end":42.29,"confidence":0.97509766,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04038475081324577},{"word":"asked","start":42.29,"end":42.53,"confidence":0.9819336,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":-0.019924689084291455},{"word":"me","start":42.53,"end":42.77,"confidence":0.96240234,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.004912719130516052},{"word":"i","start":42.77,"end":42.93,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.056604936718940735},{"word":"had","start":42.93,"end":43.25,"confidence":0.56933594,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05404286086559296},{"word":"no","start":43.25,"end":43.41,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.06613802909851074},{"word":"idea","start":43.41,"end":43.73,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.06929365545511246},{"word":"what","start":43.73,"end":43.89,"confidence":0.98291016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0643051415681839},{"word":"it","start":43.89,"end":44.05,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05060838907957077},{"word":"was","start":44.05,"end":44.21,"confidence":0.9238281,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.06353026628494263},{"word":"but","start":44.21,"end":44.37,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07750643789768219},{"word":"i","start":44.37,"end":44.53,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.059454552829265594},{"word":"figured","start":44.53,"end":44.77,"confidence":0.9892578,"punctuated_word":"figured","sentiment":"neutral","sentiment_score":-0.046165235340595245},{"word":"it","start":44.77,"end":44.93,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029004596173763275},{"word":"out","start":44.93,"end":45.17,"confidence":0.8105469,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.08583725243806839},{"word":"sorry","start":45.17,"end":45.329998,"confidence":0.8183594,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.0831117331981659},{"word":"it","start":45.329998,"end":45.489998,"confidence":0.8745117,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3357895612716675},{"word":"was","start":45.489998,"end":45.73,"confidence":0.98291016,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5417336821556091},{"word":"fun","start":45.73,"end":46.23,"confidence":0.89819336,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.5041120052337646},{"word":"yeah","start":50.505,"end":50.905003,"confidence":0.7661133,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0889045000076294},{"word":"that","start":50.905003,"end":51.065002,"confidence":0.22497559,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.038362011313438416},{"word":"mhmm","start":56.905003,"end":57.145,"confidence":0.95129395,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.039441704750061035},{"word":"yep","start":57.145,"end":57.545002,"confidence":0.92407227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04584325850009918},{"word":"got","start":57.545002,"end":57.785004,"confidence":0.96972656,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.0301232747733593},{"word":"it","start":57.785004,"end":58.285004,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03405385464429855},{"word":"mhmm","start":71.1,"end":71.5,"confidence":0.88757324,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02670107409358025},{"word":"yep","start":71.5,"end":72.0,"confidence":0.8269043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03825052827596664},{"word":"got","start":72.78,"end":73.1,"confidence":0.94970703,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.06076761707663536},{"word":"it","start":73.1,"end":73.515,"confidence":0.9941406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04978802800178528},{"word":"yep","start":76.715,"end":77.215,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04155424609780312},{"word":"yes","start":77.354996,"end":77.854996,"confidence":0.8918457,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.027471773326396946},{"word":"yes","start":77.995,"end":78.495,"confidence":0.9038086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03399363160133362},{"word":"mhmm","start":88.155,"end":88.655,"confidence":0.9963379,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.013687439262866974},{"word":"mhmm","start":103.965,"end":104.465,"confidence":0.9519043,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03654639422893524},{"word":"cool","start":106.365,"end":106.865,"confidence":0.87719727,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.044656865298748016},{"word":"mhmm","start":115.645,"end":116.145,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03484566882252693},{"word":"yes","start":132.325,"end":132.825,"confidence":0.84643555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07931726425886154},{"word":"yes","start":139.685,"end":140.185,"confidence":0.70214844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13101564347743988},{"word":"yep","start":152.93,"end":153.33,"confidence":0.9724121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0371706485748291},{"word":"yep","start":153.33,"end":153.83,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09673257917165756},{"word":"mhmm","start":161.665,"end":162.165,"confidence":0.9729004,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04277734458446503},{"word":"yep","start":169.905,"end":170.4,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11084830015897752},{"word":"mhmm","start":182.81499,"end":183.31499,"confidence":0.96154785,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08916497230529785},{"word":"yep","start":190.89499,"end":191.39499,"confidence":0.9680176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.057293783873319626},{"word":"yep","start":209.26,"end":209.76,"confidence":0.9394531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030885517597198486},{"word":"mhmm","start":229.96,"end":230.46,"confidence":0.97351074,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.023393865674734116},{"word":"mhmm","start":243.705,"end":244.205,"confidence":0.9526367,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1178932785987854},{"word":"yep","start":255.72,"end":256.22,"confidence":0.9753418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1161462813615799},{"word":"yes","start":256.6,"end":257.1,"confidence":0.78100586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.22083623707294464},{"word":"mhmm","start":280.975,"end":281.475,"confidence":0.83984375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2601921558380127},{"word":"yep","start":293.53,"end":294.03,"confidence":0.90405273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1499691903591156},{"word":"yes","start":304.245,"end":304.745,"confidence":0.6751709,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07207433879375458},{"word":"yes","start":305.045,"end":305.545,"confidence":0.8173828,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.23282840847969055},{"word":"oh","start":315.15997,"end":315.56,"confidence":0.9206543,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04368552938103676},{"word":"yeah","start":315.56,"end":315.8,"confidence":0.73779297,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04250262677669525},{"word":"yes","start":315.8,"end":316.03998,"confidence":0.7780762,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04707937315106392},{"word":"what's","start":316.03998,"end":316.28,"confidence":0.9382324,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.03346883878111839},{"word":"the","start":316.28,"end":316.43997,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034852221608161926},{"word":"numbers","start":316.43997,"end":316.93997,"confidence":0.9128418,"punctuated_word":"numbers?","sentiment":"neutral","sentiment_score":0.02399594523012638},{"word":"yes","start":317.8,"end":318.3,"confidence":0.7310791,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09115247428417206},{"word":"mhmm","start":330.825,"end":331.325,"confidence":0.93408203,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07141843438148499},{"word":"mhmm","start":343.72,"end":344.22,"confidence":0.9226074,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.17184582352638245},{"word":"yeah","start":360.61,"end":361.11,"confidence":0.7318115,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0785013884305954},{"word":"mhmm","start":370.93,"end":371.295,"confidence":0.9937744,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01710904948413372},{"word":"mhmm","start":381.295,"end":381.795,"confidence":0.8964844,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1186029464006424},{"word":"mhmm","start":387.16998,"end":387.66998,"confidence":0.9510498,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04137566685676575},{"word":"ah","start":402.20502,"end":402.285,"confidence":0.6229248,"punctuated_word":"Ah,","sentiment":"neutral","sentiment_score":0.14063367247581482},{"word":"yes","start":402.285,"end":402.525,"confidence":0.80322266,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.14769068360328674},{"word":"yep","start":402.525,"end":402.845,"confidence":0.94555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15310145914554596},{"word":"yep","start":402.845,"end":403.345,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19495081901550293},{"word":"mhmm","start":421.63,"end":422.13,"confidence":0.9797363,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1013357639312744},{"word":"yep","start":432.595,"end":433.095,"confidence":0.9069824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2156432569026947},{"word":"mhmm","start":441.9,"end":442.4,"confidence":0.83917236,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07431440055370331},{"word":"yep","start":449.25998,"end":449.66,"confidence":0.76171875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22222642600536344},{"word":"okay","start":449.66,"end":450.13998,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3039046823978424},{"word":"cool","start":450.13998,"end":450.63998,"confidence":0.9970703,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.3203365206718445},{"word":"very","start":451.02,"end":451.25998,"confidence":0.96240234,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.756036639213562},{"word":"good","start":451.25998,"end":451.75998,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6893652081489563},{"word":"no","start":460.015,"end":460.255,"confidence":0.83569336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04365193098783493},{"word":"no","start":460.255,"end":460.49503,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.011835504323244097},{"word":"all","start":460.49503,"end":460.73502,"confidence":0.98535156,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.1995866596698761},{"word":"good","start":460.73502,"end":461.05502,"confidence":0.9926758,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.20149675011634827},{"word":"all","start":461.05502,"end":461.21503,"confidence":0.99316406,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.24401411414146423},{"word":"fine","start":461.21503,"end":461.695,"confidence":0.99560547,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2943301200866699},{"word":"yep","start":461.695,"end":462.195,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3728454113006592},{"word":"mhmm","start":480.88998,"end":480.96997,"confidence":0.9753418,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09788845479488371},{"word":"mhmm","start":480.96997,"end":481.46997,"confidence":0.9937744,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10148729383945464},{"word":"yep","start":484.98502,"end":485.48502,"confidence":0.77319336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.273842990398407},{"word":"yep","start":492.745,"end":493.065,"confidence":0.95581055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11309681832790376},{"word":"yep","start":493.065,"end":493.565,"confidence":0.92944336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10129982233047484},{"word":"yep","start":500.17,"end":500.67,"confidence":0.9133301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1467120498418808},{"word":"cool","start":502.33002,"end":502.83002,"confidence":0.97631836,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.27974724769592285},{"word":"yeah","start":502.97,"end":503.29,"confidence":0.95458984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19466978311538696},{"word":"okay","start":503.29,"end":503.61002,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2215651273727417},{"word":"good","start":503.61002,"end":504.11002,"confidence":0.9995117,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.3721767663955689},{"word":"yep","start":504.17,"end":504.67,"confidence":0.9057617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21745190024375916},{"word":"yep","start":507.69,"end":508.19,"confidence":0.8835449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056975170969963074},{"word":"mhmm","start":519.90497,"end":520.40497,"confidence":0.8171387,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02687850780785084},{"word":"mhmm","start":524.705,"end":525.205,"confidence":0.9000244,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02293119579553604},{"word":"yeah","start":528.1,"end":528.34,"confidence":0.97216797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008639263920485973},{"word":"that's","start":528.34,"end":528.66,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.006780753843486309},{"word":"fine","start":528.66,"end":529.16,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.006301630288362503},{"word":"yeah","start":530.18,"end":530.34,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02810893952846527},{"word":"that's","start":530.34,"end":530.58,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03704918175935745},{"word":"okay","start":530.58,"end":531.06,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04926165193319321},{"word":"mhmm","start":531.06,"end":531.56,"confidence":0.99975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.017439858987927437},{"word":"okay","start":543.555,"end":543.95496,"confidence":0.79956055,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10109978914260864},{"word":"cool","start":543.95496,"end":544.45496,"confidence":0.9980469,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.12152057886123656},{"word":"mhmm","start":544.51495,"end":545.01495,"confidence":0.99243164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05736435949802399},{"word":"mhmm","start":558.74,"end":559.24,"confidence":0.901001,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.019305896013975143},{"word":"yeah","start":561.13995,"end":561.45996,"confidence":0.7602539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07505138218402863},{"word":"that's","start":561.45996,"end":561.77997,"confidence":0.9921875,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15327537059783936},{"word":"fine","start":561.77997,"end":562.1,"confidence":0.98950195,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.178017258644104},{"word":"yeah","start":562.1,"end":562.5,"confidence":0.8442383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0721440315246582},{"word":"yep","start":562.5,"end":563.0,"confidence":0.8105469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.039552729576826096},{"word":"yep","start":567.13995,"end":567.54,"confidence":0.68688965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09768430888652802},{"word":"no","start":567.54,"end":567.69995,"confidence":0.7558594,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.19388245046138763},{"word":"problem","start":567.69995,"end":568.19995,"confidence":0.99902344,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.1858675628900528},{"word":"yeah","start":568.26,"end":568.76,"confidence":0.80615234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2997605800628662},{"word":"mhmm","start":573.485,"end":573.985,"confidence":0.9782715,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07494322210550308},{"word":"cool","start":579.965,"end":580.365,"confidence":0.97753906,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4948585331439972},{"word":"that's","start":580.365,"end":580.60504,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6152406930923462},{"word":"great","start":580.60504,"end":580.925,"confidence":0.9975586,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7027298212051392},{"word":"thank","start":580.925,"end":581.16504,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7228659987449646},{"word":"you","start":581.16504,"end":581.66504,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6385926604270935},{"word":"nope","start":583.16504,"end":583.485,"confidence":0.8156738,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":0.10864877700805664},{"word":"all","start":583.485,"end":583.72504,"confidence":1.0,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2667643129825592},{"word":"good","start":583.72504,"end":584.22504,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2626398205757141},{"word":"mhmm","start":591.69,"end":592.19,"confidence":0.95739746,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03239845857024193},{"word":"i","start":607.535,"end":607.69495,"confidence":0.5986328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040616512298583984},{"word":"can","start":607.69495,"end":607.935,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.024534011259675022},{"word":"print","start":607.935,"end":608.175,"confidence":0.9038086,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.022020062431693077},{"word":"them","start":608.175,"end":608.33496,"confidence":0.9819336,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.02642277255654335},{"word":"off","start":608.33496,"end":608.495,"confidence":0.98291016,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.018279055133461952},{"word":"an","start":608.495,"end":608.735,"confidence":0.82958984,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.023354580625891685},{"word":"email","start":608.735,"end":609.235,"confidence":0.9880371,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.053258802741765976},{"word":"that's","start":609.77496,"end":610.095,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1393202245235443},{"word":"fine","start":610.095,"end":610.595,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1397188901901245},{"word":"i've","start":612.23004,"end":612.47003,"confidence":0.94921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06438597291707993},{"word":"actually","start":612.47003,"end":612.95,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.06612908840179443},{"word":"got","start":612.95,"end":613.19,"confidence":0.9892578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06495605409145355},{"word":"one","start":613.19,"end":613.43005,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06138096749782562},{"word":"here","start":613.43005,"end":613.93005,"confidence":0.99902344,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.07086426019668579},{"word":"i've","start":614.87,"end":615.11005,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06002221629023552},{"word":"actually","start":615.11005,"end":615.43005,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.05904294177889824},{"word":"got","start":615.43005,"end":615.93005,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05869852378964424},{"word":"beneficiary","start":617.35004,"end":617.85004,"confidence":0.5966797,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.07830806076526642},{"word":"nomination","start":617.91003,"end":618.41003,"confidence":0.99902344,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.09081366658210754},{"word":"form","start":618.55005,"end":619.05005,"confidence":0.99316406,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.06630274653434753},{"word":"i've","start":619.59,"end":619.75,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06157306581735611},{"word":"got","start":619.75,"end":619.99005,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0463278591632843},{"word":"one","start":619.99005,"end":620.23004,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.059881020337343216},{"word":"and","start":620.23004,"end":620.27,"confidence":0.2368164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04990106821060181},{"word":"i","start":620.27,"end":620.31,"confidence":0.41333008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033546388149261475},{"word":"still","start":620.31,"end":620.63,"confidence":0.39648438,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.026882268488407135},{"word":"there","start":620.63,"end":620.79004,"confidence":0.4539795,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.028464006260037426},{"word":"and","start":620.79004,"end":620.95,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032417330890893936},{"word":"i","start":620.95,"end":621.11005,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02594413235783577},{"word":"just","start":621.11005,"end":621.35004,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03149903565645218},{"word":"need","start":621.35004,"end":621.59,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.00003481656312942505},{"word":"someone","start":621.59,"end":621.99005,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.03356492891907692},{"word":"to","start":621.99005,"end":622.31,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03397618979215622},{"word":"witness","start":622.31,"end":622.71,"confidence":0.9472656,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":0.024583056569099423},{"word":"my","start":622.71,"end":622.87,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.038347259163856506},{"word":"signature","start":622.87,"end":623.27,"confidence":0.99658203,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":0.027533819898962975},{"word":"i've","start":623.27,"end":623.43005,"confidence":0.9572754,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.032462071627378464},{"word":"had","start":623.43005,"end":623.59,"confidence":0.9941406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.017798203974962234},{"word":"it","start":623.59,"end":623.75,"confidence":0.96972656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04006614908576012},{"word":"here","start":623.75,"end":623.91003,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.020389705896377563},{"word":"for","start":623.91003,"end":624.07,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01576279103755951},{"word":"about","start":624.07,"end":624.23004,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.002806238830089569},{"word":"twelve","start":624.23004,"end":624.47003,"confidence":0.9970703,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0006453320384025574},{"word":"months","start":624.47003,"end":624.825,"confidence":0.97509766,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.0161471925675869},{"word":"i","start":628.025,"end":628.10504,"confidence":0.5205078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08204016834497452},{"word":"can't","start":628.10504,"end":628.34503,"confidence":0.71240234,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.07654520869255066},{"word":"maybe","start":628.425,"end":628.66504,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.09160053730010986},{"word":"i","start":628.66504,"end":628.825,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0791650339961052},{"word":"just","start":628.825,"end":628.945,"confidence":0.94189453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0658709853887558},{"word":"that's","start":629.065,"end":629.305,"confidence":0.98217773,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.02063938230276108},{"word":"all","start":629.305,"end":629.465,"confidence":0.9892578,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.04086758568882942},{"word":"i","start":629.465,"end":629.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025607086718082428},{"word":"need","start":629.625,"end":629.78503,"confidence":0.9482422,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.028262857347726825},{"word":"to","start":629.78503,"end":629.865,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.028449714183807373},{"word":"do","start":629.865,"end":630.365,"confidence":0.9057617,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.03039418533444405},{"word":"isn't","start":630.505,"end":630.905,"confidence":0.99853516,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.008340280503034592},{"word":"it","start":630.905,"end":631.405,"confidence":0.9980469,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.007482443004846573},{"word":"that's","start":631.625,"end":631.945,"confidence":0.7158203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.00986439734697342},{"word":"it","start":631.945,"end":632.445,"confidence":0.9433594,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.00744132325053215},{"word":"i","start":635.145,"end":635.305,"confidence":0.9111328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005016319453716278},{"word":"think","start":635.305,"end":635.545,"confidence":0.9921875,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.016385894268751144},{"word":"it","start":635.545,"end":635.705,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.007647313177585602},{"word":"was","start":635.705,"end":635.945,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.016821125522255898},{"word":"printed","start":635.945,"end":636.34503,"confidence":0.9589844,"punctuated_word":"printed","sentiment":"neutral","sentiment_score":-0.007871083915233612},{"word":"off","start":636.34503,"end":636.505,"confidence":0.7192383,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.01778668910264969},{"word":"from","start":636.505,"end":636.66504,"confidence":0.39819336,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.012698046863079073},{"word":"my","start":636.66504,"end":636.905,"confidence":0.67285156,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0018512122333049776},{"word":"house","start":636.905,"end":637.22504,"confidence":0.89575195,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.004321802407503128},{"word":"when","start":637.22504,"end":637.545,"confidence":0.59765625,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.010922636836767197},{"word":"we","start":637.545,"end":637.625,"confidence":0.9165039,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.007309123873710632},{"word":"had","start":637.625,"end":637.865,"confidence":0.9838867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.010608550161123276},{"word":"our","start":637.865,"end":637.945,"confidence":0.85253906,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.011950511485338213},{"word":"wills","start":637.945,"end":638.265,"confidence":0.30688477,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.014451636001467705},{"word":"done","start":638.265,"end":638.765,"confidence":0.9692383,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.005560770630836487},{"word":"the","start":639.945,"end":640.445,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00553511455655098},{"word":"lawyer","start":641.0,"end":641.5,"confidence":0.9482422,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":0.0037951990962028503},{"word":"she","start":641.96,"end":642.46,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0010640062391757963},{"word":"she","start":642.6,"end":642.83997,"confidence":0.98095703,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0030538924038410187},{"word":"printed","start":642.83997,"end":643.32,"confidence":0.9980469,"punctuated_word":"printed","sentiment":"neutral","sentiment_score":-0.0055166371166706085},{"word":"it","start":643.32,"end":643.48,"confidence":0.96972656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0029499419033527374},{"word":"off","start":643.48,"end":643.98,"confidence":0.9641113,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.0027371030300855637},{"word":"so","start":644.04,"end":644.27997,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01943579688668251},{"word":"it's","start":644.27997,"end":644.52,"confidence":0.88411456,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.013160273432731628},{"word":"yeah","start":644.52,"end":644.76,"confidence":0.9797363,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.020506074652075768},{"word":"mailed","start":644.76,"end":645.08,"confidence":0.6850586,"punctuated_word":"mailed","sentiment":"neutral","sentiment_score":0.012588612735271454},{"word":"to","start":645.08,"end":645.16,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007329240441322327},{"word":"hub","start":645.16,"end":645.48,"confidence":0.1640625,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.022573255002498627},{"word":"24","start":645.48,"end":645.96,"confidence":0.9440918,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.022674309089779857},{"word":"super","start":645.96,"end":646.46,"confidence":0.34277344,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.030690018087625504},{"word":"gpo","start":646.52,"end":647.02,"confidence":0.79174805,"punctuated_word":"GPO","sentiment":"neutral","sentiment_score":0.019178850576281548},{"word":"box","start":647.16,"end":647.48,"confidence":0.73583984,"punctuated_word":"Box","sentiment":"neutral","sentiment_score":0.011195823550224304},{"word":"529","start":647.48,"end":648.36,"confidence":0.9671224,"punctuated_word":"529","sentiment":"neutral","sentiment_score":0.02252202481031418},{"word":"sydney","start":648.36,"end":648.86,"confidence":0.83740234,"punctuated_word":"Sydney,","sentiment":"neutral","sentiment_score":0.015279474668204784},{"word":"new","start":649.0,"end":649.16,"confidence":0.9550781,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.013224471360445024},{"word":"south","start":649.16,"end":649.39996,"confidence":0.9970703,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.01716325618326664},{"word":"wales","start":649.39996,"end":649.89996,"confidence":0.9975586,"punctuated_word":"Wales.","sentiment":"neutral","sentiment_score":0.017399050295352936},{"word":"yeah","start":651.24,"end":651.48,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028757374733686447},{"word":"it","start":651.48,"end":651.72,"confidence":0.5649414,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02252002060413361},{"word":"i've","start":651.88,"end":652.04,"confidence":0.9897461,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04318314790725708},{"word":"got","start":652.04,"end":652.2,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.050303440541028976},{"word":"it","start":652.2,"end":652.44,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04528028517961502},{"word":"done","start":652.44,"end":652.92,"confidence":0.99658203,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.041173722594976425},{"word":"i've","start":652.92,"end":653.16,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04421567916870117},{"word":"got","start":653.16,"end":653.66,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.058404870331287384},{"word":"it","start":653.96,"end":654.2,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0575815811753273},{"word":"done","start":654.2,"end":654.68,"confidence":0.9980469,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.03944022208452225},{"word":"i","start":654.68,"end":654.76,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005571488291025162},{"word":"just","start":654.76,"end":655.0,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00926840677857399},{"word":"need","start":655.0,"end":655.24,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0048603154718875885},{"word":"to","start":655.24,"end":655.56,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002557944506406784},{"word":"post","start":655.56,"end":655.8,"confidence":0.7763672,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.009548787027597427},{"word":"it","start":655.8,"end":656.145,"confidence":0.8261719,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.012481155805289744},{"word":"i","start":656.385,"end":656.54504,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017811669036746025},{"word":"just","start":656.54504,"end":656.625,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.013982567936182022},{"word":"need","start":656.625,"end":656.945,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.015742391347885132},{"word":"to","start":656.945,"end":657.025,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003682166337966919},{"word":"witness","start":657.025,"end":657.505,"confidence":0.572876,"punctuated_word":"witness.","sentiment":"neutral","sentiment_score":-0.0037881340831518178},{"word":"yeah","start":657.505,"end":657.66504,"confidence":0.9577637,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012837043032050133},{"word":"yeah","start":657.66504,"end":658.145,"confidence":0.842041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008401910774409771},{"word":"which","start":658.145,"end":658.385,"confidence":0.97509766,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.002600761130452156},{"word":"maybe","start":658.385,"end":658.625,"confidence":0.7949219,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.004244992509484291},{"word":"i'll","start":658.625,"end":658.78503,"confidence":0.935791,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04853162169456482},{"word":"do","start":658.78503,"end":658.945,"confidence":0.97998047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04542706534266472},{"word":"this","start":658.945,"end":659.185,"confidence":0.6171875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09239505976438522},{"word":"weekend","start":659.185,"end":659.685,"confidence":0.99658203,"punctuated_word":"weekend.","sentiment":"neutral","sentiment_score":0.11920535564422607},{"word":"well","start":670.32,"end":670.64,"confidence":0.74072266,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1767416149377823},{"word":"the","start":670.64,"end":670.8,"confidence":0.9135742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17544890940189362},{"word":"it","start":671.04,"end":671.12,"confidence":0.7890625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1535523682832718},{"word":"has","start":671.12,"end":671.36,"confidence":0.98095703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.15537455677986145},{"word":"been","start":671.36,"end":671.6,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1619938164949417},{"word":"witnessed","start":671.6,"end":671.92,"confidence":0.96533203,"punctuated_word":"witnessed.","sentiment":"neutral","sentiment_score":-0.19398073852062225},{"word":"why","start":671.92,"end":672.16,"confidence":0.9770508,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.30279529094696045},{"word":"haven't","start":672.16,"end":672.4,"confidence":0.9736328,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.23742784559726715},{"word":"i","start":672.4,"end":672.48,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2722422182559967},{"word":"sent","start":672.48,"end":672.88,"confidence":0.9902344,"punctuated_word":"sent","sentiment":"negative","sentiment_score":-0.34088820219039917},{"word":"it","start":672.88,"end":673.38,"confidence":0.9362793,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.24837179481983185},{"word":"it","start":674.16,"end":674.32,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2009287029504776},{"word":"has","start":674.32,"end":674.64,"confidence":0.9902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.17995543777942655},{"word":"been","start":674.64,"end":674.88,"confidence":0.9941406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1852059066295624},{"word":"witnessed","start":674.88,"end":675.38,"confidence":0.96655273,"punctuated_word":"witnessed.","sentiment":"neutral","sentiment_score":-0.20125827193260193},{"word":"so","start":675.68,"end":675.83997,"confidence":0.44067383,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14803016185760498},{"word":"it's","start":675.83997,"end":675.92,"confidence":0.9213867,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.20083211362361908},{"word":"no","start":676.0,"end":676.24,"confidence":0.98828125,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.24897515773773193},{"word":"no","start":676.24,"end":676.4,"confidence":0.982666,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.31090134382247925},{"word":"it's","start":676.4,"end":676.64,"confidence":0.97509766,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.28320467472076416},{"word":"a","start":676.64,"end":676.8,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29283663630485535},{"word":"rhetorical","start":676.8,"end":677.27997,"confidence":0.99609375,"punctuated_word":"rhetorical","sentiment":"neutral","sentiment_score":-0.2756228446960449},{"word":"question","start":677.27997,"end":677.6,"confidence":0.75268555,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":-0.2200196087360382},{"word":"not","start":677.6,"end":677.68,"confidence":0.97314453,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23232589662075043},{"word":"purely","start":677.68,"end":678.0,"confidence":0.41430664,"punctuated_word":"purely","sentiment":"neutral","sentiment_score":-0.2718101739883423},{"word":"to","start":678.0,"end":678.08,"confidence":0.65283203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26054519414901733},{"word":"answer","start":678.08,"end":678.4,"confidence":0.77124023,"punctuated_word":"answer.","sentiment":"neutral","sentiment_score":-0.23637409508228305},{"word":"but","start":678.4,"end":678.52,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.20002076029777527},{"word":"no","start":678.64,"end":678.8,"confidence":0.93896484,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.17165014147758484},{"word":"the","start":678.8,"end":679.3,"confidence":0.9941406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.12438934296369553},{"word":"the","start":680.96,"end":681.12,"confidence":0.9448242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11084204912185668},{"word":"lawyer","start":681.12,"end":681.62,"confidence":0.92626953,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":-0.07888677716255188},{"word":"she","start":681.78503,"end":681.945,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.06454980373382568},{"word":"witnessed","start":681.945,"end":682.185,"confidence":0.9980469,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":-0.07456697523593903},{"word":"it","start":682.185,"end":682.425,"confidence":0.7141113,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.04918442294001579},{"word":"and","start":682.425,"end":682.585,"confidence":0.7783203,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.04853127896785736},{"word":"also","start":682.585,"end":683.065,"confidence":0.99121094,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":-0.027432402595877647},{"word":"there","start":683.065,"end":683.22504,"confidence":0.8457031,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02711455523967743},{"word":"was","start":683.22504,"end":683.465,"confidence":0.9741211,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03790034353733063},{"word":"two","start":683.465,"end":683.625,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.05054524168372154},{"word":"witnesses","start":683.625,"end":684.025,"confidence":0.6697998,"punctuated_word":"witnesses.","sentiment":"neutral","sentiment_score":-0.06132978945970535},{"word":"i've","start":684.025,"end":684.265,"confidence":0.8198242,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.017534485086798668},{"word":"got","start":684.265,"end":684.505,"confidence":0.9428711,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.020299449563026428},{"word":"signed","start":684.505,"end":684.745,"confidence":0.78759766,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":-0.021866440773010257},{"word":"on","start":684.745,"end":684.825,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0023037195205688477},{"word":"this","start":684.825,"end":684.98505,"confidence":0.9133301,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.02525603584945202},{"word":"but","start":684.98505,"end":685.145,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03327944874763489},{"word":"it's","start":685.145,"end":685.305,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02741212397813797},{"word":"in","start":685.305,"end":685.465,"confidence":0.8730469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.024921532720327377},{"word":"2025","start":685.465,"end":686.585,"confidence":0.916687,"punctuated_word":"2025,","sentiment":"neutral","sentiment_score":-0.039289284497499466},{"word":"like","start":686.585,"end":686.745,"confidence":0.82470703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04872235283255577},{"word":"literally","start":686.745,"end":687.065,"confidence":0.8769531,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.08198755979537964},{"word":"a","start":687.065,"end":687.145,"confidence":0.9165039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.051545821130275726},{"word":"year","start":687.145,"end":687.385,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.05109687894582749},{"word":"ago","start":687.385,"end":687.885,"confidence":1.0,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.05944650620222092},{"word":"yep","start":693.78503,"end":694.28503,"confidence":0.76464844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0431150421500206},{"word":"yep","start":694.77,"end":695.27,"confidence":0.6636963,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013336270116269588},{"word":"yep","start":696.29004,"end":696.79004,"confidence":0.79907227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023433661088347435},{"word":"okay","start":699.49005,"end":699.81006,"confidence":0.96069336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18102605640888217},{"word":"cool","start":699.81006,"end":700.13,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.35153645277023315},{"word":"that's","start":700.13,"end":700.37006,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3042919635772705},{"word":"fine","start":700.37006,"end":700.85004,"confidence":0.9812012,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3437342047691345},{"word":"yep","start":700.85004,"end":701.35004,"confidence":0.8220215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31049302220344543},{"word":"mhmm","start":717.275,"end":717.775,"confidence":0.94018555,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04549311101436615},{"word":"yes","start":722.86,"end":723.36,"confidence":0.91064453,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.008892837911844254},{"word":"mhmm","start":728.86,"end":729.36,"confidence":0.99658203,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.024255583062767982},{"word":"mhmm","start":734.13995,"end":734.63995,"confidence":0.99853516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.12098214775323868},{"word":"mhmm","start":750.775,"end":751.23,"confidence":0.93725586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1344163566827774},{"word":"okay","start":769.155,"end":769.655,"confidence":0.7590332,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08790944516658783},{"word":"mhmm","start":782.49,"end":782.99,"confidence":0.8869629,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0466223880648613},{"word":"yeah","start":791.93,"end":792.25,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1399678885936737},{"word":"that's","start":792.25,"end":792.49,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30795353651046753},{"word":"fine","start":792.49,"end":792.99,"confidence":0.99853516,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.351869136095047},{"word":"probably","start":802.31494,"end":802.71497,"confidence":0.7080078,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.06859546899795532},{"word":"not","start":802.71497,"end":802.95496,"confidence":0.9404297,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05650971829891205},{"word":"next","start":802.95496,"end":803.19495,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.04283038154244423},{"word":"week","start":803.19495,"end":803.435,"confidence":0.99609375,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.03599124401807785},{"word":"because","start":803.435,"end":803.675,"confidence":0.6123047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09345518052577972},{"word":"i've","start":803.675,"end":803.83496,"confidence":0.9394531,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04071589559316635},{"word":"got","start":803.83496,"end":804.07495,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.008181031793355942},{"word":"my","start":804.07495,"end":804.31494,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.00958753377199173},{"word":"family","start":804.31494,"end":804.71497,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.0014734156429767609},{"word":"here","start":804.71497,"end":805.21497,"confidence":0.9995117,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":-0.0023011351004242897},{"word":"can","start":805.675,"end":805.83496,"confidence":0.9536133,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.00394308939576149},{"word":"we","start":805.83496,"end":805.995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0087665356695652},{"word":"do","start":805.995,"end":806.15497,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007168011739850044},{"word":"the","start":806.15497,"end":806.31494,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009313425049185751},{"word":"week","start":806.31494,"end":806.81494,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.011621329002082348},{"word":"after","start":807.035,"end":807.535,"confidence":0.99316406,"punctuated_word":"after?","sentiment":"neutral","sentiment_score":0.015583449974656103},{"word":"probably","start":810.59,"end":811.09,"confidence":0.7687988,"punctuated_word":"Probably,","sentiment":"neutral","sentiment_score":0.05965287610888481},{"word":"let's","start":811.87006,"end":812.27,"confidence":0.5459595,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.05768531560897827},{"word":"just","start":812.27,"end":812.43005,"confidence":0.4975586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06597087532281876},{"word":"go","start":812.43005,"end":812.51,"confidence":0.7109375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07260638475418091},{"word":"holiday","start":812.51,"end":812.91003,"confidence":0.5266113,"punctuated_word":"holiday.","sentiment":"neutral","sentiment_score":0.06432653963565826},{"word":"so","start":812.91003,"end":813.15,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0539742186665535},{"word":"it","start":813.15,"end":813.23004,"confidence":0.70996094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06990623474121094},{"word":"might","start":813.23004,"end":813.47003,"confidence":0.98095703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06764574348926544},{"word":"be","start":813.47003,"end":813.55005,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0693664699792862},{"word":"on","start":813.55005,"end":813.71,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.060012221336364746},{"word":"the","start":813.71,"end":813.87006,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05914778262376785},{"word":"third","start":813.87006,"end":814.11005,"confidence":0.60302734,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.05417229235172272},{"word":"or","start":814.11005,"end":814.27,"confidence":0.67626953,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05345205217599869},{"word":"the","start":814.27,"end":814.43005,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06568270921707153},{"word":"twenty","start":814.43005,"end":814.75,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.07095759361982346},{"word":"third","start":814.75,"end":815.25,"confidence":0.9980469,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.06706424802541733},{"word":"after","start":815.31006,"end":815.81006,"confidence":0.93408203,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.06468711048364639},{"word":"12pm","start":815.95,"end":816.85004,"confidence":0.98254395,"punctuated_word":"12PM.","sentiment":"neutral","sentiment_score":0.09398435801267624},{"word":"no","start":823.835,"end":824.335,"confidence":0.8874512,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05670314282178879},{"word":"mhmm","start":828.635,"end":829.135,"confidence":0.8488159,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.050127170979976654},{"word":"yep","start":833.915,"end":834.395,"confidence":0.7597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.082741379737854},{"word":"that'd","start":834.395,"end":834.715,"confidence":0.7897949,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.1103864759206772},{"word":"be","start":834.715,"end":835.195,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10312695056200027},{"word":"fine","start":835.195,"end":835.695,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.13494399189949036},{"word":"yep","start":835.755,"end":836.16,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15583670139312744},{"word":"yeah","start":847.36,"end":847.6,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12760165333747864},{"word":"that's","start":847.6,"end":847.83997,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20417433977127075},{"word":"fine","start":847.83997,"end":848.33997,"confidence":0.99853516,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2452426552772522},{"word":"no","start":854.625,"end":855.125,"confidence":0.9699707,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.004385005682706833},{"word":"mhmm","start":874.635,"end":875.135,"confidence":0.8922119,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15604299306869507},{"word":"okay","start":885.755,"end":886.075,"confidence":0.9421387,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1431540548801422},{"word":"no","start":886.075,"end":886.315,"confidence":0.98095703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2359757423400879},{"word":"problem","start":886.315,"end":886.815,"confidence":0.99902344,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.2839604616165161},{"word":"so","start":888.12,"end":888.36,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06442420184612274},{"word":"do","start":888.36,"end":888.68,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.017677515745162964},{"word":"i","start":888.68,"end":888.84,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007064014673233032},{"word":"start","start":888.84,"end":889.08,"confidence":0.59814453,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.004897546023130417},{"word":"this","start":889.08,"end":889.4,"confidence":0.8100586,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.004319626837968826},{"word":"now","start":889.4,"end":889.72003,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.01054518297314644},{"word":"or","start":889.72003,"end":890.22003,"confidence":0.87841797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.010327346622943878},{"word":"wait","start":890.44,"end":890.68,"confidence":0.4753418,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.005259621888399124},{"word":"through","start":890.68,"end":890.92,"confidence":0.9921875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.007664963603019714},{"word":"it","start":890.92,"end":891.42,"confidence":0.9848633,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.007598938420414925},{"word":"yep","start":892.44,"end":892.94,"confidence":0.75219727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0659094974398613},{"word":"yep","start":894.92,"end":895.42,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03767174854874611},{"word":"oh","start":895.48,"end":895.72003,"confidence":0.7536621,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04625837877392769},{"word":"well","start":895.72003,"end":895.88,"confidence":0.74365234,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.04521502926945686},{"word":"yep","start":895.88,"end":896.38,"confidence":0.8619792,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.038619037717580795},{"word":"yep","start":896.44,"end":896.94,"confidence":0.96875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015544228255748749},{"word":"alright","start":902.705,"end":902.945,"confidence":0.9321289,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.48659276962280273},{"word":"wonderful","start":902.945,"end":903.42505,"confidence":1.0,"punctuated_word":"Wonderful.","sentiment":"positive","sentiment_score":0.8293153643608093},{"word":"thanks","start":903.42505,"end":903.66504,"confidence":0.984375,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8722778558731079},{"word":"for","start":903.66504,"end":903.74506,"confidence":0.99316406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8694135546684265},{"word":"your","start":903.74506,"end":903.905,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8778532147407532},{"word":"time","start":903.905,"end":904.405,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8483763933181763},{"word":"will","start":908.145,"end":908.385,"confidence":0.9614258,"punctuated_word":"Will","sentiment":"positive","sentiment_score":0.5813159346580505},{"word":"do","start":908.385,"end":908.54504,"confidence":0.99902344,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.6061939001083374},{"word":"thank","start":908.54504,"end":908.78503,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.788892924785614},{"word":"you","start":908.78503,"end":908.945,"confidence":0.9875488,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7052379846572876},{"word":"thank","start":908.945,"end":909.18506,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7015632390975952},{"word":"you","start":909.18506,"end":909.42505,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6603813171386719},{"word":"bye","start":909.42505,"end":909.66504,"confidence":1.0,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.2797163724899292},{"word":"bye","start":909.66504,"end":910.16504,"confidence":0.9995117,"punctuated_word":"bye.","sentiment":"positive","sentiment_score":0.39037835597991943}],"paragraphs":{"transcript":"\nHello. This is Kelly. Good. Thank you. How are you?\n\nOh, k. That's fine. Yeah. Sure. Is it Longo186?\n\nMhmm. And I didn't last time they asked me. I had no idea what it was, but I figured it out. Sorry. It was fun.\n\nYeah. That Mhmm. Yep. Got it. Mhmm.\n\nYep. Got it. Yep. Yes. Yes.\n\nMhmm. Mhmm. Cool. Mhmm. Yes.\n\nYes. Yep. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. Mhmm. Mhmm.\n\nYep. Yes. Mhmm. Yep. Yes.\n\nYes. Oh, yeah. Yes. What's the numbers? Yes.\n\nMhmm. Mhmm. Yeah. Mhmm. Mhmm.\n\nMhmm. Ah, yes. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Okay. Cool.\n\nVery good. No. No. All good. All fine.\n\nYep. Mhmm. Mhmm. Yep. Yep.\n\nYep. Yep. Cool. Yeah. Okay.\n\nGood. Yep. Yep. Mhmm. Mhmm.\n\nYeah. That's fine. Yeah. That's okay. Mhmm.\n\nOkay. Cool. Mhmm. Mhmm. Yeah.\n\nThat's fine. Yeah. Yep. Yep. No problem.\n\nYeah. Mhmm. Cool. That's great. Thank you.\n\nNope. All good. Mhmm. I can print them off an email. That's fine.\n\nI've actually got one here. I've actually got beneficiary nomination form. I've got one and I still there, and I just need someone to witness my signature. I've had it here for about twelve months. I can't maybe I just that's all I need to do, isn't it?\n\nThat's it. I think it was printed off from my house. When we had our wills done, the lawyer, she she printed it off. So it's, yeah, mailed to Hub 24 Super GPO Box 529 Sydney, New South Wales. Yeah.\n\nIt I've got it done. I've got it done. I just need to post it. I just need to witness. Yeah.\n\nYeah. Which maybe I'll do this weekend. Well, the it has been witnessed. Why haven't I sent it? It has been witnessed.\n\nSo it's no. No. It's a rhetorical question, not purely to answer. But no. The the lawyer, she witnessed it, and, also, there was two witnesses.\n\nI've got signed on this, but it's in 2025, like, literally a year ago. Yep. Yep. Yep. Okay.\n\nCool. That's fine. Yep. Mhmm. Yes.\n\nMhmm. Mhmm. Mhmm. Okay. Mhmm.\n\nYeah. That's fine. Probably not next week because I've got my family here. Can we do the week after? Probably, let's just go holiday.\n\nSo it might be on the third or the twenty third after 12PM. No. Mhmm. Yep. That'd be fine.\n\nYep. Yeah. That's fine. No. Mhmm.\n\nOkay. No problem. So do I start this now or wait through it? Yep. Yep.\n\nOh, well, yep. Yep. Alright. Wonderful. Thanks for your time.\n\nWill do. Thank you. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.0349431149661541},{"text":"This is Kelly.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.035020073875784874},{"text":"Good.","start":6.24,"end":6.48,"sentiment":"positive","sentiment_score":0.39848968386650085},{"text":"Thank you.","start":6.48,"end":6.8799996,"sentiment":"positive","sentiment_score":0.6229355335235596},{"text":"How are you?","start":6.8799996,"end":7.62,"sentiment":"positive","sentiment_score":0.34754494825998944}],"sentiment":"neutral","sentiment_score":0.2826998932287097,"num_words":10,"start":0.24,"end":7.62},{"sentences":[{"text":"Oh, k.","start":14.24,"end":15.28,"sentiment":"neutral","sentiment_score":0.20625059306621552},{"text":"That's fine.","start":15.28,"end":15.975,"sentiment":"positive","sentiment_score":0.3949274718761444},{"text":"Yeah.","start":21.975,"end":22.215,"sentiment":"neutral","sentiment_score":0.11384768784046172},{"text":"Sure.","start":22.215,"end":22.715,"sentiment":"neutral","sentiment_score":0.23915532231330872},{"text":"Is it Longo186?","start":32.29,"end":34.07,"sentiment":"neutral","sentiment_score":0.023886021847526234}],"sentiment":"neutral","sentiment_score":0.18077968950900766,"num_words":9,"start":14.24,"end":34.07},{"sentences":[{"text":"Mhmm.","start":35.489998,"end":35.989998,"sentiment":"positive","sentiment_score":0.35059359669685364},{"text":"And I didn't last time they asked me.","start":40.85,"end":42.77,"sentiment":"neutral","sentiment_score":0.12752220034599304},{"text":"I had no idea what it was, but I figured it out.","start":42.77,"end":45.17,"sentiment":"neutral","sentiment_score":-0.060207612812519073},{"text":"Sorry.","start":45.17,"end":45.329998,"sentiment":"neutral","sentiment_score":0.0831117331981659},{"text":"It was fun.","start":45.329998,"end":46.23,"sentiment":"positive","sentiment_score":0.46054508288701373}],"sentiment":"neutral","sentiment_score":0.08452107310295105,"num_words":25,"start":35.489998,"end":46.23},{"sentences":[{"text":"Yeah.","start":50.505,"end":50.905003,"sentiment":"neutral","sentiment_score":0.0889045000076294},{"text":"That Mhmm.","start":50.905003,"end":57.145,"sentiment":"neutral","sentiment_score":0.038901858031749725},{"text":"Yep.","start":57.145,"end":57.545002,"sentiment":"neutral","sentiment_score":0.04584325850009918},{"text":"Got it.","start":57.545002,"end":58.285004,"sentiment":"neutral","sentiment_score":0.032088564708828926},{"text":"Mhmm.","start":71.1,"end":71.5,"sentiment":"neutral","sentiment_score":0.02670107409358025}],"sentiment":"neutral","sentiment_score":0.04334709686892373,"num_words":7,"start":50.505,"end":71.5},{"sentences":[{"text":"Yep.","start":71.5,"end":72.0,"sentiment":"neutral","sentiment_score":0.03825052827596664},{"text":"Got it.","start":72.78,"end":73.515,"sentiment":"neutral","sentiment_score":0.05527782253921032},{"text":"Yep.","start":76.715,"end":77.215,"sentiment":"neutral","sentiment_score":0.04155424609780312},{"text":"Yes.","start":77.354996,"end":77.854996,"sentiment":"neutral","sentiment_score":0.027471773326396946},{"text":"Yes.","start":77.995,"end":78.495,"sentiment":"neutral","sentiment_score":0.03399363160133362}],"sentiment":"neutral","sentiment_score":0.041970970729986824,"num_words":6,"start":71.5,"end":78.495},{"sentences":[{"text":"Mhmm.","start":88.155,"end":88.655,"sentiment":"neutral","sentiment_score":0.013687439262866974},{"text":"Mhmm.","start":103.965,"end":104.465,"sentiment":"neutral","sentiment_score":0.03654639422893524},{"text":"Cool.","start":106.365,"end":106.865,"sentiment":"neutral","sentiment_score":0.044656865298748016},{"text":"Mhmm.","start":115.645,"end":116.145,"sentiment":"neutral","sentiment_score":0.03484566882252693},{"text":"Yes.","start":132.325,"end":132.825,"sentiment":"neutral","sentiment_score":0.07931726425886154}],"sentiment":"neutral","sentiment_score":0.04181072637438774,"num_words":5,"start":88.155,"end":132.825},{"sentences":[{"text":"Yes.","start":139.685,"end":140.185,"sentiment":"neutral","sentiment_score":0.13101564347743988},{"text":"Yep.","start":152.93,"end":153.33,"sentiment":"neutral","sentiment_score":0.0371706485748291},{"text":"Yep.","start":153.33,"end":153.83,"sentiment":"neutral","sentiment_score":0.09673257917165756},{"text":"Mhmm.","start":161.665,"end":162.165,"sentiment":"neutral","sentiment_score":-0.04277734458446503},{"text":"Yep.","start":169.905,"end":170.4,"sentiment":"neutral","sentiment_score":0.11084830015897752}],"sentiment":"neutral","sentiment_score":0.0665979653596878,"num_words":5,"start":139.685,"end":170.4},{"sentences":[{"text":"Mhmm.","start":182.81499,"end":183.31499,"sentiment":"neutral","sentiment_score":0.08916497230529785},{"text":"Yep.","start":190.89499,"end":191.39499,"sentiment":"neutral","sentiment_score":0.057293783873319626},{"text":"Yep.","start":209.26,"end":209.76,"sentiment":"neutral","sentiment_score":0.030885517597198486},{"text":"Mhmm.","start":229.96,"end":230.46,"sentiment":"neutral","sentiment_score":0.023393865674734116},{"text":"Mhmm.","start":243.705,"end":244.205,"sentiment":"neutral","sentiment_score":0.1178932785987854}],"sentiment":"neutral","sentiment_score":0.0637262836098671,"num_words":5,"start":182.81499,"end":244.205},{"sentences":[{"text":"Yep.","start":255.72,"end":256.22,"sentiment":"neutral","sentiment_score":0.1161462813615799},{"text":"Yes.","start":256.6,"end":257.1,"sentiment":"neutral","sentiment_score":0.22083623707294464},{"text":"Mhmm.","start":280.975,"end":281.475,"sentiment":"neutral","sentiment_score":0.2601921558380127},{"text":"Yep.","start":293.53,"end":294.03,"sentiment":"neutral","sentiment_score":0.1499691903591156},{"text":"Yes.","start":304.245,"end":304.745,"sentiment":"neutral","sentiment_score":0.07207433879375458}],"sentiment":"neutral","sentiment_score":0.16384364068508148,"num_words":5,"start":255.72,"end":304.745},{"sentences":[{"text":"Yes.","start":305.045,"end":305.545,"sentiment":"neutral","sentiment_score":0.23282840847969055},{"text":"Oh, yeah.","start":315.15997,"end":315.8,"sentiment":"neutral","sentiment_score":0.043094078078866005},{"text":"Yes.","start":315.8,"end":316.03998,"sentiment":"neutral","sentiment_score":0.04707937315106392},{"text":"What's the numbers?","start":316.03998,"end":316.93997,"sentiment":"neutral","sentiment_score":0.0307723352064689},{"text":"Yes.","start":317.8,"end":318.3,"sentiment":"neutral","sentiment_score":0.09115247428417206}],"sentiment":"neutral","sentiment_score":0.06869567721150815,"num_words":8,"start":305.045,"end":318.3},{"sentences":[{"text":"Mhmm.","start":330.825,"end":331.325,"sentiment":"neutral","sentiment_score":0.07141843438148499},{"text":"Mhmm.","start":343.72,"end":344.22,"sentiment":"neutral","sentiment_score":0.17184582352638245},{"text":"Yeah.","start":360.61,"end":361.11,"sentiment":"neutral","sentiment_score":0.0785013884305954},{"text":"Mhmm.","start":370.93,"end":371.295,"sentiment":"neutral","sentiment_score":0.01710904948413372},{"text":"Mhmm.","start":381.295,"end":381.795,"sentiment":"neutral","sentiment_score":0.1186029464006424}],"sentiment":"neutral","sentiment_score":0.09149552844464778,"num_words":5,"start":330.825,"end":381.795},{"sentences":[{"text":"Mhmm.","start":387.16998,"end":387.66998,"sentiment":"neutral","sentiment_score":0.04137566685676575},{"text":"Ah, yes.","start":402.20502,"end":402.525,"sentiment":"neutral","sentiment_score":0.14416217803955078},{"text":"Yep.","start":402.525,"end":402.845,"sentiment":"neutral","sentiment_score":0.15310145914554596},{"text":"Yep.","start":402.845,"end":403.345,"sentiment":"neutral","sentiment_score":0.19495081901550293},{"text":"Mhmm.","start":421.63,"end":422.13,"sentiment":"neutral","sentiment_score":0.1013357639312744}],"sentiment":"neutral","sentiment_score":0.12984801083803177,"num_words":6,"start":387.16998,"end":422.13},{"sentences":[{"text":"Yep.","start":432.595,"end":433.095,"sentiment":"neutral","sentiment_score":0.2156432569026947},{"text":"Mhmm.","start":441.9,"end":442.4,"sentiment":"neutral","sentiment_score":0.07431440055370331},{"text":"Yep.","start":449.25998,"end":449.66,"sentiment":"neutral","sentiment_score":0.22222642600536344},{"text":"Okay.","start":449.66,"end":450.13998,"sentiment":"neutral","sentiment_score":0.3039046823978424},{"text":"Cool.","start":450.13998,"end":450.63998,"sentiment":"neutral","sentiment_score":0.3203365206718445}],"sentiment":"neutral","sentiment_score":0.22728505730628967,"num_words":5,"start":432.595,"end":450.63998},{"sentences":[{"text":"Very good.","start":451.02,"end":451.75998,"sentiment":"positive","sentiment_score":0.7227009236812592},{"text":"No.","start":460.015,"end":460.255,"sentiment":"neutral","sentiment_score":-0.04365193098783493},{"text":"No.","start":460.255,"end":460.49503,"sentiment":"neutral","sentiment_score":-0.011835504323244097},{"text":"All good.","start":460.49503,"end":461.05502,"sentiment":"neutral","sentiment_score":0.20054170489311218},{"text":"All fine.","start":461.05502,"end":461.695,"sentiment":"neutral","sentiment_score":0.2691721171140671}],"sentiment":"neutral","sentiment_score":0.2911677570082247,"num_words":8,"start":451.02,"end":461.695},{"sentences":[{"text":"Yep.","start":461.695,"end":462.195,"sentiment":"positive","sentiment_score":0.3728454113006592},{"text":"Mhmm.","start":480.88998,"end":480.96997,"sentiment":"neutral","sentiment_score":0.09788845479488371},{"text":"Mhmm.","start":480.96997,"end":481.46997,"sentiment":"neutral","sentiment_score":0.10148729383945464},{"text":"Yep.","start":484.98502,"end":485.48502,"sentiment":"neutral","sentiment_score":0.273842990398407},{"text":"Yep.","start":492.745,"end":493.065,"sentiment":"neutral","sentiment_score":0.11309681832790376}],"sentiment":"neutral","sentiment_score":0.19183219373226165,"num_words":5,"start":461.695,"end":493.065},{"sentences":[{"text":"Yep.","start":493.065,"end":493.565,"sentiment":"neutral","sentiment_score":0.10129982233047484},{"text":"Yep.","start":500.17,"end":500.67,"sentiment":"neutral","sentiment_score":0.1467120498418808},{"text":"Cool.","start":502.33002,"end":502.83002,"sentiment":"neutral","sentiment_score":0.27974724769592285},{"text":"Yeah.","start":502.97,"end":503.29,"sentiment":"neutral","sentiment_score":0.19466978311538696},{"text":"Okay.","start":503.29,"end":503.61002,"sentiment":"neutral","sentiment_score":0.2215651273727417}],"sentiment":"neutral","sentiment_score":0.18879880607128144,"num_words":5,"start":493.065,"end":503.61002},{"sentences":[{"text":"Good.","start":503.61002,"end":504.11002,"sentiment":"positive","sentiment_score":0.3721767663955689},{"text":"Yep.","start":504.17,"end":504.67,"sentiment":"neutral","sentiment_score":0.21745190024375916},{"text":"Yep.","start":507.69,"end":508.19,"sentiment":"neutral","sentiment_score":0.056975170969963074},{"text":"Mhmm.","start":519.90497,"end":520.40497,"sentiment":"neutral","sentiment_score":0.02687850780785084},{"text":"Mhmm.","start":524.705,"end":525.205,"sentiment":"neutral","sentiment_score":-0.02293119579553604}],"sentiment":"neutral","sentiment_score":0.13011022992432117,"num_words":5,"start":503.61002,"end":525.205},{"sentences":[{"text":"Yeah.","start":528.1,"end":528.34,"sentiment":"neutral","sentiment_score":-0.008639263920485973},{"text":"That's fine.","start":528.34,"end":529.16,"sentiment":"neutral","sentiment_score":0.000239561777561903},{"text":"Yeah.","start":530.18,"end":530.34,"sentiment":"neutral","sentiment_score":0.02810893952846527},{"text":"That's okay.","start":530.34,"end":531.06,"sentiment":"neutral","sentiment_score":0.04315541684627533},{"text":"Mhmm.","start":531.06,"end":531.56,"sentiment":"neutral","sentiment_score":0.017439858987927437}],"sentiment":"neutral","sentiment_score":0.017671355977654457,"num_words":7,"start":528.1,"end":531.56},{"sentences":[{"text":"Okay.","start":543.555,"end":543.95496,"sentiment":"neutral","sentiment_score":0.10109978914260864},{"text":"Cool.","start":543.95496,"end":544.45496,"sentiment":"neutral","sentiment_score":0.12152057886123656},{"text":"Mhmm.","start":544.51495,"end":545.01495,"sentiment":"neutral","sentiment_score":0.05736435949802399},{"text":"Mhmm.","start":558.74,"end":559.24,"sentiment":"neutral","sentiment_score":0.019305896013975143},{"text":"Yeah.","start":561.13995,"end":561.45996,"sentiment":"neutral","sentiment_score":0.07505138218402863}],"sentiment":"neutral","sentiment_score":0.07486840113997459,"num_words":5,"start":543.555,"end":561.45996},{"sentences":[{"text":"That's fine.","start":561.45996,"end":562.1,"sentiment":"neutral","sentiment_score":0.16564631462097168},{"text":"Yeah.","start":562.1,"end":562.5,"sentiment":"neutral","sentiment_score":0.0721440315246582},{"text":"Yep.","start":562.5,"end":563.0,"sentiment":"neutral","sentiment_score":0.039552729576826096},{"text":"Yep.","start":567.13995,"end":567.54,"sentiment":"neutral","sentiment_score":0.09768430888652802},{"text":"No problem.","start":567.54,"end":568.19995,"sentiment":"neutral","sentiment_score":0.18987500667572021}],"sentiment":"neutral","sentiment_score":0.1314891017973423,"num_words":7,"start":561.45996,"end":568.19995},{"sentences":[{"text":"Yeah.","start":568.26,"end":568.76,"sentiment":"neutral","sentiment_score":0.2997605800628662},{"text":"Mhmm.","start":573.485,"end":573.985,"sentiment":"neutral","sentiment_score":0.07494322210550308},{"text":"Cool.","start":579.965,"end":580.365,"sentiment":"positive","sentiment_score":0.4948585331439972},{"text":"That's great.","start":580.365,"end":580.925,"sentiment":"positive","sentiment_score":0.6589852571487427},{"text":"Thank you.","start":580.925,"end":581.66504,"sentiment":"positive","sentiment_score":0.680729329586029}],"sentiment":"positive","sentiment_score":0.5069987869688443,"num_words":7,"start":568.26,"end":581.66504},{"sentences":[{"text":"Nope.","start":583.16504,"end":583.485,"sentiment":"neutral","sentiment_score":0.10864877700805664},{"text":"All good.","start":583.485,"end":584.22504,"sentiment":"neutral","sentiment_score":0.26470206677913666},{"text":"Mhmm.","start":591.69,"end":592.19,"sentiment":"neutral","sentiment_score":0.03239845857024193},{"text":"I can print them off an email.","start":607.535,"end":609.235,"sentiment":"neutral","sentiment_score":0.029783685292516435},{"text":"That's fine.","start":609.77496,"end":610.595,"sentiment":"neutral","sentiment_score":0.1395195573568344}],"sentiment":"neutral","sentiment_score":0.08907509853060429,"num_words":13,"start":583.16504,"end":610.595},{"sentences":[{"text":"I've actually got one here.","start":612.23004,"end":613.93005,"sentiment":"neutral","sentiment_score":0.06554326862096786},{"text":"I've actually got beneficiary nomination form.","start":614.87,"end":619.05005,"sentiment":"neutral","sentiment_score":0.06886469262341659},{"text":"I've got one and I still there, and I just need someone to witness my signature.","start":619.59,"end":623.27,"sentiment":"neutral","sentiment_score":0.0346504133194685},{"text":"I've had it here for about twelve months.","start":623.27,"end":624.825,"sentiment":"neutral","sentiment_score":0.017558150924742222},{"text":"I can't maybe I just that's all I need to do, isn't it?","start":628.025,"end":631.405,"sentiment":"neutral","sentiment_score":-0.0450204206773868}],"sentiment":"neutral","sentiment_score":0.01771897605309884,"num_words":48,"start":612.23004,"end":631.405},{"sentences":[{"text":"That's it.","start":631.625,"end":632.445,"sentiment":"neutral","sentiment_score":0.008652860298752785},{"text":"I think it was printed off from my house.","start":635.145,"end":637.22504,"sentiment":"neutral","sentiment_score":-0.009083986903230349},{"text":"When we had our wills done, the lawyer, she she printed it off.","start":637.22504,"end":643.98,"sentiment":"neutral","sentiment_score":0.0035905147401186135},{"text":"So it's, yeah, mailed to Hub 24 Super GPO Box 529 Sydney, New South Wales.","start":644.04,"end":649.89996,"sentiment":"neutral","sentiment_score":0.017661368784805138},{"text":"Yeah.","start":651.24,"end":651.48,"sentiment":"neutral","sentiment_score":0.028757374733686447}],"sentiment":"neutral","sentiment_score":0.0068976109148934485,"num_words":40,"start":631.625,"end":651.48},{"sentences":[{"text":"It I've got it done.","start":651.48,"end":652.92,"sentiment":"neutral","sentiment_score":0.04049212336540222},{"text":"I've got it done.","start":652.92,"end":654.68,"sentiment":"neutral","sentiment_score":0.049910588189959526},{"text":"I just need to post it.","start":654.68,"end":656.145,"sentiment":"neutral","sentiment_score":-0.0024347179569303985},{"text":"I just need to witness.","start":656.385,"end":657.505,"sentiment":"neutral","sentiment_score":-0.011001385748386383},{"text":"Yeah.","start":657.505,"end":657.66504,"sentiment":"neutral","sentiment_score":0.012837043032050133}],"sentiment":"neutral","sentiment_score":0.01644403695882786,"num_words":21,"start":651.48,"end":657.66504},{"sentences":[{"text":"Yeah.","start":657.66504,"end":658.145,"sentiment":"neutral","sentiment_score":0.008401910774409771},{"text":"Which maybe I'll do this weekend.","start":658.145,"end":659.685,"sentiment":"neutral","sentiment_score":0.05206747601429621},{"text":"Well, the it has been witnessed.","start":670.32,"end":671.92,"sentiment":"neutral","sentiment_score":-0.16951533406972885},{"text":"Why haven't I sent it?","start":671.92,"end":673.38,"sentiment":"neutral","sentiment_score":-0.28034507036209105},{"text":"It has been witnessed.","start":674.16,"end":675.38,"sentiment":"neutral","sentiment_score":-0.19183707982301712}],"sentiment":"neutral","sentiment_score":-0.130243586757305,"num_words":22,"start":657.66504,"end":675.38},{"sentences":[{"text":"So it's no.","start":675.68,"end":676.24,"sentiment":"neutral","sentiment_score":-0.19927914440631866},{"text":"No.","start":676.24,"end":676.4,"sentiment":"neutral","sentiment_score":-0.31090134382247925},{"text":"It's a rhetorical question, not purely to answer.","start":676.4,"end":678.4,"sentiment":"neutral","sentiment_score":-0.25909239053726196},{"text":"But no.","start":678.4,"end":678.8,"sentiment":"neutral","sentiment_score":-0.18583545088768005},{"text":"The the lawyer, she witnessed it, and, also, there was two witnesses.","start":678.8,"end":684.025,"sentiment":"neutral","sentiment_score":-0.06293941522017121}],"sentiment":"neutral","sentiment_score":-0.1580162225291133,"num_words":26,"start":675.68,"end":684.025},{"sentences":[{"text":"I've got signed on this, but it's in 2025, like, literally a year ago.","start":684.025,"end":687.885,"sentiment":"neutral","sentiment_score":-0.036068688545908244},{"text":"Yep.","start":693.78503,"end":694.28503,"sentiment":"neutral","sentiment_score":-0.0431150421500206},{"text":"Yep.","start":694.77,"end":695.27,"sentiment":"neutral","sentiment_score":0.013336270116269588},{"text":"Yep.","start":696.29004,"end":696.79004,"sentiment":"neutral","sentiment_score":0.023433661088347435},{"text":"Okay.","start":699.49005,"end":699.81006,"sentiment":"neutral","sentiment_score":0.18102605640888217}],"sentiment":"neutral","sentiment_score":-0.018348927454402048,"num_words":18,"start":684.025,"end":699.81006},{"sentences":[{"text":"Cool.","start":699.81006,"end":700.13,"sentiment":"positive","sentiment_score":0.35153645277023315},{"text":"That's fine.","start":700.13,"end":700.85004,"sentiment":"neutral","sentiment_score":0.3240130841732025},{"text":"Yep.","start":700.85004,"end":701.35004,"sentiment":"neutral","sentiment_score":0.31049302220344543},{"text":"Mhmm.","start":717.275,"end":717.775,"sentiment":"neutral","sentiment_score":0.04549311101436615},{"text":"Yes.","start":722.86,"end":723.36,"sentiment":"neutral","sentiment_score":-0.008892837911844254}],"sentiment":"neutral","sentiment_score":0.22444265273710093,"num_words":6,"start":699.81006,"end":723.36},{"sentences":[{"text":"Mhmm.","start":728.86,"end":729.36,"sentiment":"neutral","sentiment_score":0.024255583062767982},{"text":"Mhmm.","start":734.13995,"end":734.63995,"sentiment":"neutral","sentiment_score":0.12098214775323868},{"text":"Mhmm.","start":750.775,"end":751.23,"sentiment":"neutral","sentiment_score":0.1344163566827774},{"text":"Okay.","start":769.155,"end":769.655,"sentiment":"neutral","sentiment_score":0.08790944516658783},{"text":"Mhmm.","start":782.49,"end":782.99,"sentiment":"neutral","sentiment_score":0.0466223880648613}],"sentiment":"neutral","sentiment_score":0.08283718414604664,"num_words":5,"start":728.86,"end":782.99},{"sentences":[{"text":"Yeah.","start":791.93,"end":792.25,"sentiment":"neutral","sentiment_score":0.1399678885936737},{"text":"That's fine.","start":792.25,"end":792.99,"sentiment":"neutral","sentiment_score":0.32991133630275726},{"text":"Probably not next week because I've got my family here.","start":802.31494,"end":805.21497,"sentiment":"neutral","sentiment_score":-0.03596410052850842},{"text":"Can we do the week after?","start":805.675,"end":807.535,"sentiment":"neutral","sentiment_score":0.008084943673262993},{"text":"Probably, let's just go holiday.","start":810.59,"end":812.91003,"sentiment":"neutral","sentiment_score":0.0640483982861042}],"sentiment":"neutral","sentiment_score":0.03370421705767512,"num_words":24,"start":791.93,"end":812.91003},{"sentences":[{"text":"So it might be on the third or the twenty third after 12PM.","start":812.91003,"end":816.85004,"sentiment":"neutral","sentiment_score":0.0653886949786773},{"text":"No.","start":823.835,"end":824.335,"sentiment":"neutral","sentiment_score":-0.05670314282178879},{"text":"Mhmm.","start":828.635,"end":829.135,"sentiment":"neutral","sentiment_score":0.050127170979976654},{"text":"Yep.","start":833.915,"end":834.395,"sentiment":"neutral","sentiment_score":0.082741379737854},{"text":"That'd be fine.","start":834.395,"end":835.695,"sentiment":"neutral","sentiment_score":0.11615247279405594}],"sentiment":"neutral","sentiment_score":0.06708820321057972,"num_words":19,"start":812.91003,"end":835.695},{"sentences":[{"text":"Yep.","start":835.755,"end":836.16,"sentiment":"neutral","sentiment_score":0.15583670139312744},{"text":"Yeah.","start":847.36,"end":847.6,"sentiment":"neutral","sentiment_score":0.12760165333747864},{"text":"That's fine.","start":847.6,"end":848.33997,"sentiment":"neutral","sentiment_score":0.22470849752426147},{"text":"No.","start":854.625,"end":855.125,"sentiment":"neutral","sentiment_score":0.004385005682706833},{"text":"Mhmm.","start":874.635,"end":875.135,"sentiment":"neutral","sentiment_score":0.15604299306869507}],"sentiment":"neutral","sentiment_score":0.14888055808842182,"num_words":6,"start":835.755,"end":875.135},{"sentences":[{"text":"Okay.","start":885.755,"end":886.075,"sentiment":"neutral","sentiment_score":0.1431540548801422},{"text":"No problem.","start":886.075,"end":886.815,"sentiment":"neutral","sentiment_score":0.259968101978302},{"text":"So do I start this now or wait through it?","start":888.12,"end":891.42,"sentiment":"neutral","sentiment_score":0.007406471855938434},{"text":"Yep.","start":892.44,"end":892.94,"sentiment":"neutral","sentiment_score":0.0659094974398613},{"text":"Yep.","start":894.92,"end":895.42,"sentiment":"neutral","sentiment_score":0.03767174854874611}],"sentiment":"neutral","sentiment_score":0.056049081558982534,"num_words":15,"start":885.755,"end":895.42},{"sentences":[{"text":"Oh, well, yep.","start":895.48,"end":896.38,"sentiment":"neutral","sentiment_score":0.04336414858698845},{"text":"Yep.","start":896.44,"end":896.94,"sentiment":"neutral","sentiment_score":0.015544228255748749},{"text":"Alright.","start":902.705,"end":902.945,"sentiment":"positive","sentiment_score":0.48659276962280273},{"text":"Wonderful.","start":902.945,"end":903.42505,"sentiment":"positive","sentiment_score":0.8293153643608093},{"text":"Thanks for your time.","start":903.42505,"end":904.405,"sentiment":"positive","sentiment_score":0.866980254650116}],"sentiment":"positive","sentiment_score":0.492946582660079,"num_words":10,"start":895.48,"end":904.405},{"sentences":[{"text":"Will do.","start":908.145,"end":908.54504,"sentiment":"positive","sentiment_score":0.593754917383194},{"text":"Thank you.","start":908.54504,"end":908.945,"sentiment":"positive","sentiment_score":0.7470654547214508},{"text":"Thank you.","start":908.945,"end":909.42505,"sentiment":"positive","sentiment_score":0.6809722781181335},{"text":"Bye bye.","start":909.42505,"end":910.16504,"sentiment":"positive","sentiment_score":0.3350473642349243}],"sentiment":"positive","sentiment_score":0.5892100036144257,"num_words":8,"start":908.145,"end":910.16504}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Kelly.\n\nChannel 0: Good afternoon, Kelly. It's Tommy here, senior adviser. How have you been?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm doing absolutely fantastic. Very excited to talk to you today. I've got you booked in to go through your updated plan.\n\nChannel 1: Oh, k. That's fine.\n\nChannel 0: Beautiful. So I'm gonna pop this through to your email. Will you be able to look onto the document with me today?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. And just while I'm sending that through, could I please confirm for security your client password with Oakview?\n\nChannel 1: Is it Longo186?\n\nChannel 0: That's the one. Thank\n\nChannel 1: Mhmm.\n\nChannel 0: you so much. The password prompt we've got is she will remember it. So nice\n\nChannel 1: And\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: easy.\n\nChannel 1: didn't last time they asked me. I had no idea what it was, but I figured it\n\nChannel 0: No\n\nChannel 1: out.\n\nChannel 0: way.\n\nChannel 1: Sorry. It was fun.\n\nChannel 0: I love it. I love it. Love it. So that should come through pretty soon.\n\nChannel 1: Yeah.\n\nChannel 0: I believe\n\nChannel 1: That\n\nChannel 0: you've already gone through our new system before, so it shouldn't be any spam folders or anything like that.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now,\n\nChannel 1: Got\n\nChannel 0: Kelly,\n\nChannel 1: it.\n\nChannel 0: when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first.\n\nChannel 1: Mhmm. Yep. Got it.\n\nChannel 0: So and can you see that nice beachfront city picture there\n\nChannel 1: Yep.\n\nChannel 0: of the Gold\n\nChannel 1: Yes.\n\nChannel 0: Coast? Sensational.\n\nChannel 1: Yes.\n\nChannel 0: So if you scroll down to page four, we've got scope of advice, which is essentially what this document covers versus what it's not giving advice on, and\n\nChannel 1: Mhmm.\n\nChannel 0: there should be a nice blue heading there. So one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20. And we've submitted that notice of intent to claim to get\n\nChannel 1: Mhmm.\n\nChannel 0: that ready for your tax return. So that\n\nChannel 1: Cool.\n\nChannel 0: should come through very shortly. Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a\n\nChannel 1: Mhmm.\n\nChannel 0: few changes with the government and the economy. So just found a a few things that might be a little bit better for you. And in addition to that, the main thing was the insurances. Just getting that life, TPD, and income protection in place, but not trauma cover because you've got other cash flow priorities. Does that ring a\n\nChannel 1: Yes.\n\nChannel 0: bell? Sensational. If you go onto that next page, we've got estate planning in there just as a reminder for, you know, getting\n\nChannel 1: Yes.\n\nChannel 0: in place a will and a power of attorney, but everything else looks pretty good. And we're not giving any advice on debt management. So you're obviously doing your own renovations and paying off the home. We're just focusing on the super and the insurance\n\nChannel 1: Yep. Yep.\n\nChannel 0: today. Perfect. And if you go through, you will have a limited device warning after that. We're not giving advice on everything under the sun. And\n\nChannel 1: Mhmm.\n\nChannel 0: if you could just quickly check for me, I've got the about you section on page six and seven, which was those updated details that we captured. So\n\nChannel 1: Yep.\n\nChannel 0: we've got your listed sales and marketing manager about a 145. Email and phone number haven't changed. And we've got assets, the main residence, property, the Ford, and a bit of savings in the offset account.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Now can you just go through a few more pages for me? On nine and ten, we've got your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: So growth, that four out of five on the risk scale, primarily focusing on growth, but, again, we're not going high risk. And if you go through to strategy recommendations on 11, there should be a few headings there underneath named best interest duty.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, on this one, because retirement's a while away, we're not obviously retire sorry. Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations.\n\nChannel 1: Mhmm.\n\nChannel 0: Now with the portfolio, we found a bit of an underperforming investment in that Benelon option there, and I found some better replacement options there that are a bit more lower fees, bit better performance. So I wanted\n\nChannel 1: Mhmm.\n\nChannel 0: to just take you through that as well, but I've also factored in those contributions that you did. Now the main thing, if you go on to that table on page 12, it should be quite large, but it's got advantages and disadvantages listed.\n\nChannel 1: Yep. Yes.\n\nChannel 0: So the main thing here is with all of these investments that we use, we use a lot of ETFs. So there is brokerage fees to purchase them upfront. It's very small, but once you've got them, they're kind of the lowest fee investments going forward. With a portfolio update, there is a bit of capital gains tax that gets done under the hood. Within super, it's 15% to switch around investments that have grown.\n\nSo I've\n\nChannel 1: Mhmm.\n\nChannel 0: factored in a little bit of that in there as well, but there's a huge, huge fee savings here. So if you can go down a couple more pages for me, on 14, you'll see the contributions page. And\n\nChannel 1: Yep.\n\nChannel 0: it just says make your con concessional contributions, claim them. We're using that bring forward rule, which we did factor in. I think you had about 64,000 that you could use when we had that\n\nChannel 1: Yes.\n\nChannel 0: conversation.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now if you skip through past there, I just wanna bring your attention to pages sixteen and seventeen. It's a bit of a big table\n\nChannel 1: Oh,\n\nChannel 0: there\n\nChannel 1: yeah.\n\nChannel 0: with\n\nChannel 1: Yes. What's the\n\nChannel 0: codes\n\nChannel 1: numbers?\n\nChannel 0: of investments. Yep.\n\nChannel 1: Yes.\n\nChannel 0: So, basically, this is what I'm updating in terms of that very top row. It lists the BHYB, bank hybrids. Those are actually being phased out by the government as an investment option. So I'm\n\nChannel 1: Mhmm.\n\nChannel 0: just getting a a bit of a defensive replacement for that one at the bottom. The main one, though, is the middle row with the Benelong that's being replaced with and if you see the second last row, beta shares a 200, which\n\nChannel 1: Mhmm.\n\nChannel 0: is basically just a low fee passive option, And I'll show you the differences there in a second. Now on pages eighteen and nineteen, this is the fun part for me. You can see a bit of a colored pie chart there for your asset allocation. So the main thing I wanted\n\nChannel 1: Yeah.\n\nChannel 0: to point out here is that with growth, you're generally sitting between 80 to 90% growth assets. You're in the middle row, it says growth total in gray. Don't know if you can sort\n\nChannel 1: Mhmm.\n\nChannel 0: of make out those figures in the tape. Yep. So 80 is the risk profile, 87 is where you were, and just under 85 once we rebalance everything. Pretty\n\nChannel 1: Mhmm.\n\nChannel 0: well in line, but that's fee comparison on the next page for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now top right, that's got the capital gains tax implication factored in for switching the investments, but you can see there the investment fees. We're able to get them below half by switching these investments around.\n\nChannel 1: Ah, yes. Yep. Yep.\n\nChannel 0: So it goes from two two eight eight to nine five two. They are percentage based, so it changes based on your balance, but that's an estimate based on the date the document was generated. And I factored in the contributions as well as the premiums for that new insurance cover as well.\n\nChannel 1: Mhmm.\n\nChannel 0: The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So we'll kinda offset the premiums a little bit, and I've given you an updated projection on the next page, which with a grain of salt somewhere\n\nChannel 1: Mhmm.\n\nChannel 0: between 1 to 400,000 extra over the next five and ten years if the markets continue to go the way they have been.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: K?\n\nChannel 1: Very good.\n\nChannel 0: Performance, it just brings it all up back into double digits across all time frames. Do you have any questions on the super side so far?\n\nChannel 1: No. No. All good. All fine. Yep.\n\nChannel 0: Perfect. So, basically, new investments, extra contributions, huge impact there. And the main one that I wanted to walk you through is just for this insurance policy on the next page. We've gone for tau. So when you did that pre assessment with Caden, we called around and tried to see who would offer you the best outcome\n\nChannel 1: Mhmm.\n\nChannel 0: in\n\nChannel 1: Mhmm.\n\nChannel 0: terms of price, quality, and medical,\n\nChannel 1: Yep.\n\nChannel 0: and tau came out the best across all three. So this is essentially a million dollars worth of life and disability cover,\n\nChannel 1: Yep.\n\nChannel 0: income\n\nChannel 1: Yep.\n\nChannel 0: protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and\n\nChannel 1: Yep.\n\nChannel 0: five year benefit period as well.\n\nChannel 1: Cool. Yeah. Okay.\n\nChannel 0: Cool?\n\nChannel 1: Good. Yep.\n\nChannel 0: Now the only tweak for this one, there's two little things.\n\nChannel 1: Yep.\n\nChannel 0: So because of the, like, the blood pressure and the cholesterol, they've got a bit of a loading on the life cover, which has just bumped the premiums up a little bit, but it still came out very, very good.\n\nChannel 1: Mhmm.\n\nChannel 0: And the only other thing was with the family history of the cardiomyopathy, they've got\n\nChannel 1: Mhmm.\n\nChannel 0: a a bit of a precautionary exclusion on there for\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: particular\n\nChannel 1: fine.\n\nChannel 0: heart condition.\n\nChannel 1: Yeah. That's okay. Mhmm.\n\nChannel 0: Now what that basically means, Kelly, is they actually did say that they can remove it after 50. So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away.\n\nChannel 1: Okay. Cool. Mhmm.\n\nChannel 0: K? So all I've done here is I've just said, with your existing, it may seem a bit strange, but that little bit of life cover and income protection you've got with Hub, I'm recommending that you just keep that in place in the time being because it will protect you in those events\n\nChannel 1: Mhmm.\n\nChannel 0: until that exclusion can be removed.\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: K?\n\nChannel 1: Yep.\n\nChannel 0: So it's an extra couple of $100 for the year. Once that's done, we can get that canceled.\n\nChannel 1: Yep. No problem. Yeah.\n\nChannel 0: Perfect. I've just included the comparison at the bottom of page 50 sorry, 22\n\nChannel 1: Mhmm.\n\nChannel 0: just so you can see all the providers that we looked at and the estimate of the loadings and exclusions there.\n\nChannel 1: Cool. That's great. Thank you.\n\nChannel 0: Cool. Any questions so far?\n\nChannel 1: Nope. All good.\n\nChannel 0: Cool. With the new life policy, we do need to put in place, obviously, a beneficiary for who receives that life insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: We basically send the forms through. If you need any help, just call through, and Michelle and the team can walk you through it pretty easily. Do you want us to post them out with a return envelope, or are you okay to kind of print them off an email?\n\nChannel 1: I can print them off an email.\n\nChannel 0: Cool.\n\nChannel 1: That's\n\nChannel 0: As\n\nChannel 1: fine.\n\nChannel 0: long as you get that wet signs with a couple of\n\nChannel 1: I've\n\nChannel 0: witnesses,\n\nChannel 1: actually\n\nChannel 0: just\n\nChannel 1: got\n\nChannel 0: because\n\nChannel 1: one\n\nChannel 0: it's\n\nChannel 1: here. I've\n\nChannel 0: is\n\nChannel 1: actually\n\nChannel 0: that\n\nChannel 1: got\n\nChannel 0: the\n\nChannel 1: beneficiary nomination form. I've got one and I still there, and I just need someone to witness my signature. I've had it here for about twelve months.\n\nChannel 0: oh, no.\n\nChannel 1: I can't maybe I just that's all I need to do, isn't it?\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: that one, is that a Hub 241?\n\nChannel 1: I think it was printed off from my house. When we had our wills done, the lawyer, she she printed it off. So it's, yeah, mailed to Hub 24 Super GPO Box 529 Sydney, New South Wales.\n\nChannel 0: Oh, wow.\n\nChannel 1: Yeah. It I've got it done. I've got it done. I just need\n\nChannel 0: Just needs\n\nChannel 1: to\n\nChannel 0: to be\n\nChannel 1: post\n\nChannel 0: a witness.\n\nChannel 1: it. I just need to witness. Yeah. Yeah. Which maybe\n\nChannel 0: Yeah.\n\nChannel 1: I'll do\n\nChannel 0: So\n\nChannel 1: this weekend.\n\nChannel 0: that'd be good. I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones. So I don't want you to send that off if it's too old and then they decline it.\n\nChannel 1: Well, the it has been witnessed. Why haven't I sent it? It has\n\nChannel 0: I don't\n\nChannel 1: been\n\nChannel 0: know,\n\nChannel 1: witnessed.\n\nChannel 0: Kelly.\n\nChannel 1: So it's no. No. It's a rhetorical question, not purely to answer. But no. The the lawyer, she witnessed it, and, also, there was two witnesses.\n\nI've got signed on this, but it's in 2025, like, literally a year ago.\n\nChannel 0: Amazing. Okay. That might what be out of date. I have seen that come across the last\n\nChannel 1: Yep.\n\nChannel 0: few months. So\n\nChannel 1: Yep.\n\nChannel 0: just in case, I\n\nChannel 1: Yep.\n\nChannel 0: will send a hub and a TAO one together.\n\nChannel 1: Okay. Cool. That's fine. Yep.\n\nChannel 0: Perfect. Alrighty. Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and\n\nChannel 1: Mhmm.\n\nChannel 0: 22% ongoing to manage, like, claims advice and things like that. So if you\n\nChannel 1: Yes.\n\nChannel 0: get injured, we'll help you through the claims process, help make the money last, all that kind of thing. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: disclosed at the bottom there just underneath with the advice fees that we're getting through the super.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. With this document, so, basically, if you're happy with the plan, we sign the authority to proceed on this document. There's also an appendix in there, which is just background research, a quote for the insurer,\n\nChannel 1: Mhmm.\n\nChannel 0: and just a couple of product documents as well. So PDFs and the like. Those total close to 2,000 pages. So when it comes to the Odoo system, you don't have to scroll through the whole lot. You can pretty much just click next document once you get through each one, and it will skip ahead.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Just gonna double check this quote here, make sure that's all current. I believe it is. The next step from here, we pretty much have a lot of information you've already given us from that pre\n\nChannel 1: Mhmm.\n\nChannel 0: assessment, and we've got the quotes and everything. Can I get you booked in to go through the application with the the implementation team?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. I'll bring up their calendar. Is there a good day and time next week potentially?\n\nChannel 1: Probably not next week because I've got my family here. Can we do the week after?\n\nChannel 0: Absolutely. I will just bring\n\nChannel 1: Probably,\n\nChannel 0: up the phone.\n\nChannel 1: let's just go holiday. So it might be on the third or the twenty third after 12PM.\n\nChannel 0: Perfect. And I'll just quickly double check. Do I need to worry about\n\nChannel 1: No.\n\nChannel 0: daylight savings? No. New South Wales, no daylight savings. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: So just after twelve on Thursday, the twenty third.\n\nChannel 1: Yep. That'd be\n\nChannel 0: Yep.\n\nChannel 1: fine. Yep.\n\nChannel 0: Perfect. So I usually set aside an hour for that. It doesn't usually take that long. It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Alright, Kelly. Any questions for me on any of the advice or additional documents at this point?\n\nChannel 1: No.\n\nChannel 0: Cool. Alrighty. Well, that is nice and easy. I've got all of that ready for you to to sign. Got you booked in on 12:00 or just after on the twenty third.\n\nWe'll get the beneficiaries sent out to you. Basically, I guess, the way is do the application. As soon as the policy is ready to go, we'll send all the documents out\n\nChannel 1: Mhmm.\n\nChannel 0: to the email. And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly.\n\nChannel 1: Okay. No problem.\n\nChannel 0: Amazing.\n\nChannel 1: So\n\nChannel 0: Well,\n\nChannel 1: do\n\nChannel 0: if there's\n\nChannel 1: I start\n\nChannel 0: no\n\nChannel 1: this\n\nChannel 0: yep.\n\nChannel 1: now or wait\n\nChannel 0: Yeah.\n\nChannel 1: through it?\n\nChannel 0: If you're comfortable with it, but\n\nChannel 1: Yep.\n\nChannel 0: definitely have a read through if you wanna make sure beforehand.\n\nChannel 1: Yep. Oh, well, yep. Yep.\n\nChannel 0: And any questions, just give us a buzz, but I will leave that one with you.\n\nChannel 1: Alright. Wonderful. Thanks for your time.\n\nChannel 0: Awesome, Kelly. Have a fantastic week, and we'll talk to you on the twenty third.\n\nChannel 1: Will do. Thank you. Thank you. Bye bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.0349431149661541},{"text":"This is Kelly.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.035020073875784874}],"sentiment":"neutral","sentiment_score":0.03500083414837718,"channel":1,"num_words":4,"start":0.24,"end":1.46},{"sentences":[{"text":"Good afternoon, Kelly.","start":2.32,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.21777567267417908},{"text":"It's Tommy here, senior adviser.","start":3.1999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.14055367708206176},{"text":"How have you been?","start":5.12,"end":6.1,"sentiment":"neutral","sentiment_score":0.1294206827878952}],"sentiment":"neutral","sentiment_score":0.15614817788203558,"channel":0,"num_words":12,"start":2.32,"end":6.1},{"sentences":[{"text":"Good.","start":6.24,"end":6.48,"sentiment":"positive","sentiment_score":0.39848968386650085},{"text":"Thank you.","start":6.48,"end":6.8799996,"sentiment":"positive","sentiment_score":0.6229355335235596},{"text":"How are you?","start":6.8799996,"end":7.62,"sentiment":"positive","sentiment_score":0.34754494825998944}],"sentiment":"positive","sentiment_score":0.4478325992822647,"channel":1,"num_words":6,"start":6.24,"end":7.62},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":7.6,"end":9.38,"sentiment":"positive","sentiment_score":0.8438345342874527},{"text":"Very excited to talk to you today.","start":9.5199995,"end":11.46,"sentiment":"positive","sentiment_score":0.8737597635814122},{"text":"I've got you booked in to go through your updated plan.","start":11.679999,"end":14.5,"sentiment":"neutral","sentiment_score":0.32262997464700177}],"sentiment":"positive","sentiment_score":0.5927539183334871,"channel":0,"num_words":22,"start":7.6,"end":14.5},{"sentences":[{"text":"Oh, k.","start":14.24,"end":15.28,"sentiment":"neutral","sentiment_score":0.20625059306621552},{"text":"That's fine.","start":15.28,"end":15.975,"sentiment":"positive","sentiment_score":0.3949274718761444}],"sentiment":"neutral","sentiment_score":0.30058903247117996,"channel":1,"num_words":4,"start":14.24,"end":15.975},{"sentences":[{"text":"Beautiful.","start":16.484999,"end":16.965,"sentiment":"positive","sentiment_score":0.6880522966384888},{"text":"So I'm gonna pop this through to your email.","start":16.965,"end":19.365,"sentiment":"neutral","sentiment_score":0.2103225721253289},{"text":"Will you be able to look onto the document with me today?","start":19.365,"end":21.785,"sentiment":"neutral","sentiment_score":0.13215049107869467}],"sentiment":"neutral","sentiment_score":0.18939824266867203,"channel":0,"num_words":22,"start":16.484999,"end":21.785},{"sentences":[{"text":"Yeah.","start":21.975,"end":22.215,"sentiment":"neutral","sentiment_score":0.11384768784046172},{"text":"Sure.","start":22.215,"end":22.715,"sentiment":"neutral","sentiment_score":0.23915532231330872}],"sentiment":"neutral","sentiment_score":0.17650150507688522,"channel":1,"num_words":2,"start":21.975,"end":22.715},{"sentences":[{"text":"Fantastic.","start":23.445,"end":23.925,"sentiment":"positive","sentiment_score":0.5270059704780579},{"text":"And just while I'm sending that through, could I please confirm for security your client password with Oakview?","start":23.925,"end":31.210001,"sentiment":"neutral","sentiment_score":0.07220006164991194}],"sentiment":"neutral","sentiment_score":0.09613721474613014,"channel":0,"num_words":19,"start":23.445,"end":31.210001},{"sentences":[{"text":"Is it Longo186?","start":32.29,"end":34.07,"sentiment":"neutral","sentiment_score":0.023886021847526234}],"sentiment":"neutral","sentiment_score":0.023886021847526234,"channel":1,"num_words":3,"start":32.29,"end":34.07},{"sentences":[{"text":"That's the one.","start":34.31,"end":35.27,"sentiment":"neutral","sentiment_score":0.10483423620462418},{"text":"Thank","start":35.27,"end":35.59,"sentiment":"positive","sentiment_score":0.5045469403266907}],"sentiment":"neutral","sentiment_score":0.2047624122351408,"channel":0,"num_words":4,"start":34.31,"end":35.59},{"sentences":[{"text":"Mhmm.","start":35.489998,"end":35.989998,"sentiment":"positive","sentiment_score":0.35059359669685364}],"sentiment":"positive","sentiment_score":0.35059359669685364,"channel":1,"num_words":1,"start":35.489998,"end":35.989998},{"sentences":[{"text":"you so much.","start":35.59,"end":36.49,"sentiment":"positive","sentiment_score":0.5702113707860311},{"text":"The password prompt we've got is she will remember it.","start":36.95,"end":39.75,"sentiment":"neutral","sentiment_score":0.21539934426546098},{"text":"So nice","start":39.75,"end":40.870003,"sentiment":"positive","sentiment_score":0.6314737796783447}],"sentiment":"positive","sentiment_score":0.3418383409579595,"channel":0,"num_words":15,"start":35.59,"end":40.870003},{"sentences":[{"text":"And","start":40.85,"end":41.01,"sentiment":"positive","sentiment_score":0.553363025188446}],"sentiment":"positive","sentiment_score":0.553363025188446,"channel":1,"num_words":1,"start":40.85,"end":41.01},{"sentences":[{"text":"and","start":40.870003,"end":41.03,"sentiment":"positive","sentiment_score":0.5138393044471741}],"sentiment":"positive","sentiment_score":0.5138393044471741,"channel":0,"num_words":1,"start":40.870003,"end":41.03},{"sentences":[{"text":"I","start":41.01,"end":41.17,"sentiment":"positive","sentiment_score":0.541694164276123}],"sentiment":"positive","sentiment_score":0.541694164276123,"channel":1,"num_words":1,"start":41.01,"end":41.17},{"sentences":[{"text":"easy.","start":41.03,"end":41.53,"sentiment":"positive","sentiment_score":0.4936554431915283}],"sentiment":"positive","sentiment_score":0.4936554431915283,"channel":0,"num_words":1,"start":41.03,"end":41.53},{"sentences":[{"text":"didn't last time they asked me.","start":41.17,"end":42.77,"sentiment":"neutral","sentiment_score":-0.012479931116104126},{"text":"I had no idea what it was, but I figured it","start":42.77,"end":44.93,"sentiment":"neutral","sentiment_score":-0.05787764557383277}],"sentiment":"neutral","sentiment_score":-0.04185492282404619,"channel":1,"num_words":17,"start":41.17,"end":44.93},{"sentences":[{"text":"No","start":44.864998,"end":45.105,"sentiment":"neutral","sentiment_score":-0.08775050938129425}],"sentiment":"neutral","sentiment_score":-0.08775050938129425,"channel":0,"num_words":1,"start":44.864998,"end":45.105},{"sentences":[{"text":"out.","start":44.93,"end":45.17,"sentiment":"neutral","sentiment_score":-0.08583725243806839}],"sentiment":"neutral","sentiment_score":-0.08583725243806839,"channel":1,"num_words":1,"start":44.93,"end":45.17},{"sentences":[{"text":"way.","start":45.105,"end":45.605,"sentiment":"neutral","sentiment_score":-0.02809869684278965}],"sentiment":"neutral","sentiment_score":-0.02809869684278965,"channel":0,"num_words":1,"start":45.105,"end":45.605},{"sentences":[{"text":"Sorry.","start":45.17,"end":45.329998,"sentiment":"neutral","sentiment_score":0.0831117331981659},{"text":"It was fun.","start":45.329998,"end":46.23,"sentiment":"positive","sentiment_score":0.46054508288701373}],"sentiment":"positive","sentiment_score":0.3661867454648018,"channel":1,"num_words":4,"start":45.17,"end":46.23},{"sentences":[{"text":"I love it.","start":45.745,"end":46.645,"sentiment":"positive","sentiment_score":0.739104688167572},{"text":"I love it.","start":46.785,"end":47.265,"sentiment":"positive","sentiment_score":0.7514760494232178},{"text":"Love it.","start":47.265,"end":48.004997,"sentiment":"positive","sentiment_score":0.6878671050071716},{"text":"So that should come through pretty soon.","start":48.225,"end":50.245,"sentiment":"neutral","sentiment_score":0.3092686448778425}],"sentiment":"positive","sentiment_score":0.534157129128774,"channel":0,"num_words":15,"start":45.745,"end":50.245},{"sentences":[{"text":"Yeah.","start":50.505,"end":50.905003,"sentiment":"neutral","sentiment_score":0.0889045000076294}],"sentiment":"neutral","sentiment_score":0.0889045000076294,"channel":1,"num_words":1,"start":50.505,"end":50.905003},{"sentences":[{"text":"I believe","start":50.545,"end":51.024998,"sentiment":"neutral","sentiment_score":0.0496433861553669}],"sentiment":"neutral","sentiment_score":0.0496433861553669,"channel":0,"num_words":2,"start":50.545,"end":51.024998},{"sentences":[{"text":"That","start":50.905003,"end":51.065002,"sentiment":"neutral","sentiment_score":0.038362011313438416}],"sentiment":"neutral","sentiment_score":0.038362011313438416,"channel":1,"num_words":1,"start":50.905003,"end":51.065002},{"sentences":[{"text":"you've already gone through our new system before, so it shouldn't be any spam folders or anything like that.","start":51.024998,"end":55.71,"sentiment":"neutral","sentiment_score":0.05729375446313306}],"sentiment":"neutral","sentiment_score":0.05729375446313306,"channel":0,"num_words":19,"start":51.024998,"end":55.71},{"sentences":[{"text":"Mhmm.","start":56.905003,"end":57.145,"sentiment":"neutral","sentiment_score":0.039441704750061035},{"text":"Yep.","start":57.145,"end":57.545002,"sentiment":"neutral","sentiment_score":0.04584325850009918}],"sentiment":"neutral","sentiment_score":0.04264248162508011,"channel":1,"num_words":2,"start":56.905003,"end":57.545002},{"sentences":[{"text":"Now,","start":57.39,"end":57.629997,"sentiment":"neutral","sentiment_score":0.03470372408628464}],"sentiment":"neutral","sentiment_score":0.03470372408628464,"channel":0,"num_words":1,"start":57.39,"end":57.629997},{"sentences":[{"text":"Got","start":57.545002,"end":57.785004,"sentiment":"neutral","sentiment_score":0.0301232747733593}],"sentiment":"neutral","sentiment_score":0.0301232747733593,"channel":1,"num_words":1,"start":57.545002,"end":57.785004},{"sentences":[{"text":"Kelly,","start":57.629997,"end":58.129997,"sentiment":"neutral","sentiment_score":0.04136370122432709}],"sentiment":"neutral","sentiment_score":0.04136370122432709,"channel":0,"num_words":1,"start":57.629997,"end":58.129997},{"sentences":[{"text":"it.","start":57.785004,"end":58.285004,"sentiment":"neutral","sentiment_score":0.03405385464429855}],"sentiment":"neutral","sentiment_score":0.03405385464429855,"channel":1,"num_words":1,"start":57.785004,"end":58.285004},{"sentences":[{"text":"when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first.","start":58.35,"end":71.25,"sentiment":"neutral","sentiment_score":0.07154991213853161}],"sentiment":"neutral","sentiment_score":0.07154991213853161,"channel":0,"num_words":48,"start":58.35,"end":71.25},{"sentences":[{"text":"Mhmm.","start":71.1,"end":71.5,"sentiment":"neutral","sentiment_score":0.02670107409358025},{"text":"Yep.","start":71.5,"end":72.0,"sentiment":"neutral","sentiment_score":0.03825052827596664},{"text":"Got it.","start":72.78,"end":73.515,"sentiment":"neutral","sentiment_score":0.05527782253921032}],"sentiment":"neutral","sentiment_score":0.04387681186199188,"channel":1,"num_words":4,"start":71.1,"end":73.515},{"sentences":[{"text":"So and can you see that nice beachfront city picture there","start":73.385,"end":76.905,"sentiment":"neutral","sentiment_score":0.05487463606352156}],"sentiment":"neutral","sentiment_score":0.05487463606352156,"channel":0,"num_words":11,"start":73.385,"end":76.905},{"sentences":[{"text":"Yep.","start":76.715,"end":77.215,"sentiment":"neutral","sentiment_score":0.04155424609780312}],"sentiment":"neutral","sentiment_score":0.04155424609780312,"channel":1,"num_words":1,"start":76.715,"end":77.215},{"sentences":[{"text":"of the Gold","start":76.905,"end":77.385,"sentiment":"neutral","sentiment_score":0.04230093335111936}],"sentiment":"neutral","sentiment_score":0.04230093335111936,"channel":0,"num_words":3,"start":76.905,"end":77.385},{"sentences":[{"text":"Yes.","start":77.354996,"end":77.854996,"sentiment":"neutral","sentiment_score":0.027471773326396946}],"sentiment":"neutral","sentiment_score":0.027471773326396946,"channel":1,"num_words":1,"start":77.354996,"end":77.854996},{"sentences":[{"text":"Coast?","start":77.385,"end":77.865005,"sentiment":"neutral","sentiment_score":0.0375140979886055},{"text":"Sensational.","start":77.865005,"end":78.365005,"sentiment":"neutral","sentiment_score":0.06053714826703072}],"sentiment":"neutral","sentiment_score":0.04902562312781811,"channel":0,"num_words":2,"start":77.385,"end":78.365005},{"sentences":[{"text":"Yes.","start":77.995,"end":78.495,"sentiment":"neutral","sentiment_score":0.03399363160133362}],"sentiment":"neutral","sentiment_score":0.03399363160133362,"channel":1,"num_words":1,"start":77.995,"end":78.495},{"sentences":[{"text":"So if you scroll down to page four, we've got scope of advice, which is essentially what this document covers versus what it's not giving advice on, and","start":79.065,"end":88.16,"sentiment":"neutral","sentiment_score":-0.000037467672622629576}],"sentiment":"neutral","sentiment_score":-0.000037467672622629576,"channel":0,"num_words":28,"start":79.065,"end":88.16},{"sentences":[{"text":"Mhmm.","start":88.155,"end":88.655,"sentiment":"neutral","sentiment_score":0.013687439262866974}],"sentiment":"neutral","sentiment_score":0.013687439262866974,"channel":1,"num_words":1,"start":88.155,"end":88.655},{"sentences":[{"text":"there should be a nice blue heading there.","start":88.16,"end":89.94,"sentiment":"neutral","sentiment_score":0.04707179171964526},{"text":"So one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20.","start":90.4,"end":99.94,"sentiment":"neutral","sentiment_score":0.002890606690198183},{"text":"And we've submitted that notice of intent to claim to get","start":100.205,"end":104.125,"sentiment":"neutral","sentiment_score":0.022749125110832127}],"sentiment":"neutral","sentiment_score":0.014561896136372673,"channel":0,"num_words":49,"start":88.16,"end":104.125},{"sentences":[{"text":"Mhmm.","start":103.965,"end":104.465,"sentiment":"neutral","sentiment_score":0.03654639422893524}],"sentiment":"neutral","sentiment_score":0.03654639422893524,"channel":1,"num_words":1,"start":103.965,"end":104.465},{"sentences":[{"text":"that ready for your tax return.","start":104.125,"end":106.125,"sentiment":"neutral","sentiment_score":0.08094486966729164},{"text":"So that","start":106.125,"end":106.445,"sentiment":"neutral","sentiment_score":0.09277469664812088}],"sentiment":"neutral","sentiment_score":0.08390232641249895,"channel":0,"num_words":8,"start":104.125,"end":106.445},{"sentences":[{"text":"Cool.","start":106.365,"end":106.865,"sentiment":"neutral","sentiment_score":0.044656865298748016}],"sentiment":"neutral","sentiment_score":0.044656865298748016,"channel":1,"num_words":1,"start":106.365,"end":106.865},{"sentences":[{"text":"should come through very shortly.","start":106.445,"end":107.825,"sentiment":"neutral","sentiment_score":0.19775089323520662},{"text":"Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a","start":109.405,"end":115.71,"sentiment":"neutral","sentiment_score":0.18358719510876614}],"sentiment":"neutral","sentiment_score":0.18611642691705907,"channel":0,"num_words":28,"start":106.445,"end":115.71},{"sentences":[{"text":"Mhmm.","start":115.645,"end":116.145,"sentiment":"neutral","sentiment_score":0.03484566882252693}],"sentiment":"neutral","sentiment_score":0.03484566882252693,"channel":1,"num_words":1,"start":115.645,"end":116.145},{"sentences":[{"text":"few changes with the government and the economy.","start":115.71,"end":117.79,"sentiment":"neutral","sentiment_score":-0.0008952468633651733},{"text":"So just found a a few things that might be a little bit better for you.","start":117.79,"end":121.49,"sentiment":"neutral","sentiment_score":0.2804505964741111},{"text":"And in addition to that, the main thing was the insurances.","start":121.55,"end":124.53,"sentiment":"neutral","sentiment_score":0.11648125099864873},{"text":"Just getting that life, TPD, and income protection in place, but not trauma cover because you've got other cash flow priorities.","start":125.07,"end":131.645,"sentiment":"neutral","sentiment_score":0.09444237642344974},{"text":"Does that ring a","start":131.785,"end":132.345,"sentiment":"neutral","sentiment_score":0.0834595263004303}],"sentiment":"neutral","sentiment_score":0.13464115566263596,"channel":0,"num_words":60,"start":115.71,"end":132.345},{"sentences":[{"text":"Yes.","start":132.325,"end":132.825,"sentiment":"neutral","sentiment_score":0.07931726425886154}],"sentiment":"neutral","sentiment_score":0.07931726425886154,"channel":1,"num_words":1,"start":132.325,"end":132.825},{"sentences":[{"text":"bell?","start":132.345,"end":132.845,"sentiment":"neutral","sentiment_score":0.05618007481098175},{"text":"Sensational.","start":133.945,"end":134.445,"sentiment":"neutral","sentiment_score":-0.023922234773635864},{"text":"If you go onto that next page, we've got estate planning in there just as a reminder for, you know, getting","start":134.665,"end":139.785,"sentiment":"neutral","sentiment_score":0.07003249139303253}],"sentiment":"neutral","sentiment_score":0.06534522431700127,"channel":0,"num_words":23,"start":132.345,"end":139.785},{"sentences":[{"text":"Yes.","start":139.685,"end":140.185,"sentiment":"neutral","sentiment_score":0.13101564347743988}],"sentiment":"neutral","sentiment_score":0.13101564347743988,"channel":1,"num_words":1,"start":139.685,"end":140.185},{"sentences":[{"text":"in place a will and a power of attorney, but everything else looks pretty good.","start":139.785,"end":143.965,"sentiment":"neutral","sentiment_score":0.21462061901887258},{"text":"And we're not giving any advice on debt management.","start":144.21,"end":146.63,"sentiment":"negative","sentiment_score":-0.34272399213578963},{"text":"So you're obviously doing your own renovations and paying off the home.","start":146.69,"end":149.81,"sentiment":"neutral","sentiment_score":-0.17868687150379023},{"text":"We're just focusing on the super and the insurance","start":149.81,"end":152.15,"sentiment":"neutral","sentiment_score":0.09903896920796898}],"sentiment":"neutral","sentiment_score":-0.024846630646950668,"channel":0,"num_words":45,"start":139.785,"end":152.15},{"sentences":[{"text":"Yep.","start":152.93,"end":153.33,"sentiment":"neutral","sentiment_score":0.0371706485748291},{"text":"Yep.","start":153.33,"end":153.83,"sentiment":"neutral","sentiment_score":0.09673257917165756}],"sentiment":"neutral","sentiment_score":0.06695161387324333,"channel":1,"num_words":2,"start":152.93,"end":153.83},{"sentences":[{"text":"today.","start":153.97,"end":154.21,"sentiment":"neutral","sentiment_score":0.14516815543174744},{"text":"Perfect.","start":154.21,"end":154.71,"sentiment":"positive","sentiment_score":0.5076332688331604},{"text":"And if you go through, you will have a limited device warning after that.","start":154.77,"end":158.785,"sentiment":"neutral","sentiment_score":-0.017551123829824586},{"text":"We're not giving advice on everything under the sun.","start":158.785,"end":161.205,"sentiment":"neutral","sentiment_score":-0.2912650571929084},{"text":"And","start":161.345,"end":161.665,"sentiment":"neutral","sentiment_score":-0.053650252521038055}],"sentiment":"neutral","sentiment_score":-0.08722884910037884,"channel":0,"num_words":26,"start":153.97,"end":161.665},{"sentences":[{"text":"Mhmm.","start":161.665,"end":162.165,"sentiment":"neutral","sentiment_score":-0.04277734458446503}],"sentiment":"neutral","sentiment_score":-0.04277734458446503,"channel":1,"num_words":1,"start":161.665,"end":162.165},{"sentences":[{"text":"if you could just quickly check for me, I've got the about you section on page six and seven, which was those updated details that we captured.","start":161.665,"end":168.885,"sentiment":"neutral","sentiment_score":0.021548593002888892},{"text":"So","start":169.53,"end":170.03,"sentiment":"neutral","sentiment_score":0.09604224562644958}],"sentiment":"neutral","sentiment_score":0.02420908059658749,"channel":0,"num_words":28,"start":161.665,"end":170.03},{"sentences":[{"text":"Yep.","start":169.905,"end":170.4,"sentiment":"neutral","sentiment_score":0.11084830015897752}],"sentiment":"neutral","sentiment_score":0.11084830015897752,"channel":1,"num_words":1,"start":169.905,"end":170.4},{"sentences":[{"text":"we've got your listed sales and marketing manager about a 145.","start":170.41,"end":173.71,"sentiment":"neutral","sentiment_score":0.09220492772080681},{"text":"Email and phone number haven't changed.","start":174.25,"end":176.27,"sentiment":"neutral","sentiment_score":0.01787949415544669},{"text":"And we've got assets, the main residence, property, the Ford, and a bit of savings in the offset account.","start":176.65001,"end":183.07,"sentiment":"neutral","sentiment_score":0.10072727815101021}],"sentiment":"neutral","sentiment_score":0.0843152626314097,"channel":0,"num_words":36,"start":170.41,"end":183.07},{"sentences":[{"text":"Mhmm.","start":182.81499,"end":183.31499,"sentiment":"neutral","sentiment_score":0.08916497230529785}],"sentiment":"neutral","sentiment_score":0.08916497230529785,"channel":1,"num_words":1,"start":182.81499,"end":183.31499},{"sentences":[{"text":"Perfect.","start":184.595,"end":185.095,"sentiment":"neutral","sentiment_score":0.3292454481124878},{"text":"Now can you just go through a few more pages for me?","start":185.47499,"end":187.875,"sentiment":"neutral","sentiment_score":0.06824184612681468},{"text":"On nine and ten, we've got your risk profile.","start":187.875,"end":190.215,"sentiment":"neutral","sentiment_score":0.012418629498117499}],"sentiment":"neutral","sentiment_score":0.057268875778060065,"channel":0,"num_words":22,"start":184.595,"end":190.215},{"sentences":[{"text":"Yep.","start":190.89499,"end":191.39499,"sentiment":"neutral","sentiment_score":0.057293783873319626}],"sentiment":"neutral","sentiment_score":0.057293783873319626,"channel":1,"num_words":1,"start":190.89499,"end":191.39499},{"sentences":[{"text":"So growth, that four out of five on the risk scale, primarily focusing on growth, but, again, we're not going high risk.","start":191.875,"end":198.23999,"sentiment":"neutral","sentiment_score":0.003949247300624847},{"text":"And if you go through to strategy recommendations on 11, there should be a few headings there underneath named best interest duty.","start":198.37999,"end":207.04,"sentiment":"neutral","sentiment_score":0.06693105179477822}],"sentiment":"neutral","sentiment_score":0.035440149547701534,"channel":0,"num_words":44,"start":191.875,"end":207.04},{"sentences":[{"text":"Yep.","start":209.26,"end":209.76,"sentiment":"neutral","sentiment_score":0.030885517597198486}],"sentiment":"neutral","sentiment_score":0.030885517597198486,"channel":1,"num_words":1,"start":209.26,"end":209.76},{"sentences":[{"text":"So, basically, on this one, because retirement's a while away, we're not obviously retire sorry.","start":210.315,"end":215.035,"sentiment":"neutral","sentiment_score":-0.1069946438074112},{"text":"Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations.","start":215.035,"end":228.91,"sentiment":"neutral","sentiment_score":0.11048641128708488}],"sentiment":"neutral","sentiment_score":0.05700746331302846,"channel":0,"num_words":61,"start":210.315,"end":228.91},{"sentences":[{"text":"Mhmm.","start":229.96,"end":230.46,"sentiment":"neutral","sentiment_score":0.023393865674734116}],"sentiment":"neutral","sentiment_score":0.023393865674734116,"channel":1,"num_words":1,"start":229.96,"end":230.46},{"sentences":[{"text":"Now with the portfolio, we found a bit of an underperforming investment in that Benelon option there, and I found some better replacement options there that are a bit more lower fees, bit better performance.","start":230.73001,"end":243.07501,"sentiment":"neutral","sentiment_score":-0.007630312762090138},{"text":"So I wanted","start":243.29501,"end":243.85501,"sentiment":"neutral","sentiment_score":0.09030848244826}],"sentiment":"neutral","sentiment_score":0.00010169738609539835,"channel":0,"num_words":38,"start":230.73001,"end":243.85501},{"sentences":[{"text":"Mhmm.","start":243.705,"end":244.205,"sentiment":"neutral","sentiment_score":0.1178932785987854}],"sentiment":"neutral","sentiment_score":0.1178932785987854,"channel":1,"num_words":1,"start":243.705,"end":244.205},{"sentences":[{"text":"to just take you through that as well, but I've also factored in those contributions that you did.","start":243.85501,"end":248.31,"sentiment":"neutral","sentiment_score":0.0737538281828165},{"text":"Now the main thing, if you go on to that table on page 12, it should be quite large, but it's got advantages and disadvantages listed.","start":249.67,"end":256.09,"sentiment":"neutral","sentiment_score":-0.13365855555121714}],"sentiment":"neutral","sentiment_score":-0.04880803493274884,"channel":0,"num_words":44,"start":243.85501,"end":256.09},{"sentences":[{"text":"Yep.","start":255.72,"end":256.22,"sentiment":"neutral","sentiment_score":0.1161462813615799},{"text":"Yes.","start":256.6,"end":257.1,"sentiment":"neutral","sentiment_score":0.22083623707294464}],"sentiment":"neutral","sentiment_score":0.16849125921726227,"channel":1,"num_words":2,"start":255.72,"end":257.1},{"sentences":[{"text":"So the main thing here is with all of these investments that we use, we use a lot of ETFs.","start":256.71,"end":261.53,"sentiment":"neutral","sentiment_score":0.30589219480752944},{"text":"So there is brokerage fees to purchase them upfront.","start":262.095,"end":264.83502,"sentiment":"neutral","sentiment_score":0.20391557117303213},{"text":"It's very small, but once you've got them, they're kind of the lowest fee investments going forward.","start":265.135,"end":269.95502,"sentiment":"positive","sentiment_score":0.3783438118065105},{"text":"With a portfolio update, there is a bit of capital gains tax that gets done under the hood.","start":271.535,"end":276.195,"sentiment":"neutral","sentiment_score":0.22737113138039908},{"text":"Within super, it's 15% to switch around investments that have grown.","start":276.53998,"end":280.47998,"sentiment":"neutral","sentiment_score":0.2045982669700276}],"sentiment":"neutral","sentiment_score":0.27637586851914725,"channel":0,"num_words":75,"start":256.71,"end":280.47998},{"sentences":[{"text":"So I've","start":280.62,"end":281.09998,"sentiment":"neutral","sentiment_score":0.24585655331611633}],"sentiment":"neutral","sentiment_score":0.24585655331611633,"channel":0,"num_words":2,"start":280.62,"end":281.09998},{"sentences":[{"text":"Mhmm.","start":280.975,"end":281.475,"sentiment":"neutral","sentiment_score":0.2601921558380127}],"sentiment":"neutral","sentiment_score":0.2601921558380127,"channel":1,"num_words":1,"start":280.975,"end":281.475},{"sentences":[{"text":"factored in a little bit of that in there as well, but there's a huge, huge fee savings here.","start":281.09998,"end":286.37997,"sentiment":"positive","sentiment_score":0.3454307160879436},{"text":"So if you can go down a couple more pages for me, on 14, you'll see the contributions page.","start":286.37997,"end":292.565,"sentiment":"neutral","sentiment_score":0.23033788800239563},{"text":"And","start":293.425,"end":293.585,"sentiment":"neutral","sentiment_score":0.1536155641078949}],"sentiment":"neutral","sentiment_score":0.2844415138929318,"channel":0,"num_words":39,"start":281.09998,"end":293.585},{"sentences":[{"text":"Yep.","start":293.53,"end":294.03,"sentiment":"neutral","sentiment_score":0.1499691903591156}],"sentiment":"neutral","sentiment_score":0.1499691903591156,"channel":1,"num_words":1,"start":293.53,"end":294.03},{"sentences":[{"text":"it just says make your con concessional contributions, claim them.","start":293.585,"end":297.025,"sentiment":"neutral","sentiment_score":0.15631475895643235},{"text":"We're using that bring forward rule, which we did factor in.","start":297.025,"end":299.985,"sentiment":"neutral","sentiment_score":0.1821476464921778},{"text":"I think you had about 64,000 that you could use when we had that","start":299.985,"end":304.36,"sentiment":"neutral","sentiment_score":0.14475084894469806}],"sentiment":"neutral","sentiment_score":0.15980810246297292,"channel":0,"num_words":35,"start":293.585,"end":304.36},{"sentences":[{"text":"Yes.","start":304.245,"end":304.745,"sentiment":"neutral","sentiment_score":0.07207433879375458}],"sentiment":"neutral","sentiment_score":0.07207433879375458,"channel":1,"num_words":1,"start":304.245,"end":304.745},{"sentences":[{"text":"conversation.","start":304.36,"end":304.86,"sentiment":"neutral","sentiment_score":0.10605140030384064}],"sentiment":"neutral","sentiment_score":0.10605140030384064,"channel":0,"num_words":1,"start":304.36,"end":304.86},{"sentences":[{"text":"Yes.","start":305.045,"end":305.545,"sentiment":"neutral","sentiment_score":0.23282840847969055}],"sentiment":"neutral","sentiment_score":0.23282840847969055,"channel":1,"num_words":1,"start":305.045,"end":305.545},{"sentences":[{"text":"Perfect.","start":306.52,"end":307.02,"sentiment":"positive","sentiment_score":0.43191349506378174},{"text":"Now if you skip through past there, I just wanna bring your attention to pages sixteen and seventeen.","start":307.24,"end":313.26,"sentiment":"neutral","sentiment_score":0.09658371491564645},{"text":"It's a bit of a big table","start":313.63998,"end":315.24,"sentiment":"neutral","sentiment_score":0.05956957010286195}],"sentiment":"neutral","sentiment_score":0.09951566747174813,"channel":0,"num_words":26,"start":306.52,"end":315.24},{"sentences":[{"text":"Oh,","start":315.15997,"end":315.56,"sentiment":"neutral","sentiment_score":0.04368552938103676}],"sentiment":"neutral","sentiment_score":0.04368552938103676,"channel":1,"num_words":1,"start":315.15997,"end":315.56},{"sentences":[{"text":"there","start":315.24,"end":315.56,"sentiment":"neutral","sentiment_score":0.029199277982115746}],"sentiment":"neutral","sentiment_score":0.029199277982115746,"channel":0,"num_words":1,"start":315.24,"end":315.56},{"sentences":[{"text":"yeah.","start":315.56,"end":315.8,"sentiment":"neutral","sentiment_score":0.04250262677669525}],"sentiment":"neutral","sentiment_score":0.04250262677669525,"channel":1,"num_words":1,"start":315.56,"end":315.8},{"sentences":[{"text":"with","start":315.56,"end":316.06,"sentiment":"neutral","sentiment_score":0.03166034072637558}],"sentiment":"neutral","sentiment_score":0.03166034072637558,"channel":0,"num_words":1,"start":315.56,"end":316.06},{"sentences":[{"text":"Yes.","start":315.8,"end":316.03998,"sentiment":"neutral","sentiment_score":0.04707937315106392},{"text":"What's the","start":316.03998,"end":316.43997,"sentiment":"neutral","sentiment_score":0.03416053019464016}],"sentiment":"neutral","sentiment_score":0.038466811180114746,"channel":1,"num_words":3,"start":315.8,"end":316.43997},{"sentences":[{"text":"codes","start":316.36,"end":316.68,"sentiment":"neutral","sentiment_score":0.028424246236681935}],"sentiment":"neutral","sentiment_score":0.028424246236681935,"channel":0,"num_words":1,"start":316.36,"end":316.68},{"sentences":[{"text":"numbers?","start":316.43997,"end":316.93997,"sentiment":"neutral","sentiment_score":0.02399594523012638}],"sentiment":"neutral","sentiment_score":0.02399594523012638,"channel":1,"num_words":1,"start":316.43997,"end":316.93997},{"sentences":[{"text":"of investments.","start":316.68,"end":317.34,"sentiment":"neutral","sentiment_score":0.0212777741253376},{"text":"Yep.","start":317.56,"end":318.06,"sentiment":"neutral","sentiment_score":0.07612089812755585}],"sentiment":"neutral","sentiment_score":0.03955881545941035,"channel":0,"num_words":3,"start":316.68,"end":318.06},{"sentences":[{"text":"Yes.","start":317.8,"end":318.3,"sentiment":"neutral","sentiment_score":0.09115247428417206}],"sentiment":"neutral","sentiment_score":0.09115247428417206,"channel":1,"num_words":1,"start":317.8,"end":318.3},{"sentences":[{"text":"So, basically, this is what I'm updating in terms of that very top row.","start":318.575,"end":322.515,"sentiment":"neutral","sentiment_score":0.07923214616520065},{"text":"It lists the BHYB, bank hybrids.","start":322.73502,"end":325.875,"sentiment":"neutral","sentiment_score":0.05469027658303579},{"text":"Those are actually being phased out by the government as an investment option.","start":326.415,"end":330.515,"sentiment":"neutral","sentiment_score":0.03655165878052895},{"text":"So I'm","start":330.57,"end":330.97,"sentiment":"neutral","sentiment_score":0.0729462094604969}],"sentiment":"neutral","sentiment_score":0.05881301968225411,"channel":0,"num_words":35,"start":318.575,"end":330.97},{"sentences":[{"text":"Mhmm.","start":330.825,"end":331.325,"sentiment":"neutral","sentiment_score":0.07141843438148499}],"sentiment":"neutral","sentiment_score":0.07141843438148499,"channel":1,"num_words":1,"start":330.825,"end":331.325},{"sentences":[{"text":"just getting a a bit of a defensive replacement for that one at the bottom.","start":330.97,"end":334.43,"sentiment":"neutral","sentiment_score":0.0703506181637446},{"text":"The main one, though, is the middle row with the Benelong that's being replaced with and if you see the second last row, beta shares a 200, which","start":334.73,"end":343.77002,"sentiment":"neutral","sentiment_score":0.09552248514124326}],"sentiment":"neutral","sentiment_score":0.08674160131188326,"channel":0,"num_words":43,"start":330.97,"end":343.77002},{"sentences":[{"text":"Mhmm.","start":343.72,"end":344.22,"sentiment":"neutral","sentiment_score":0.17184582352638245}],"sentiment":"neutral","sentiment_score":0.17184582352638245,"channel":1,"num_words":1,"start":343.72,"end":344.22},{"sentences":[{"text":"is basically just a low fee passive option, And I'll show you the differences there in a second.","start":343.77002,"end":349.115,"sentiment":"neutral","sentiment_score":0.16220210989316305},{"text":"Now on pages eighteen and nineteen, this is the fun part for me.","start":350.535,"end":354.135,"sentiment":"positive","sentiment_score":0.37093092845036435},{"text":"You can see a bit of a colored pie chart there for your asset allocation.","start":354.135,"end":358.07498,"sentiment":"neutral","sentiment_score":0.24426168600718182},{"text":"So the main thing I wanted","start":359.67,"end":360.71002,"sentiment":"neutral","sentiment_score":0.10444679359594981}],"sentiment":"neutral","sentiment_score":0.23139127114644417,"channel":0,"num_words":52,"start":343.77002,"end":360.71002},{"sentences":[{"text":"Yeah.","start":360.61,"end":361.11,"sentiment":"neutral","sentiment_score":0.0785013884305954}],"sentiment":"neutral","sentiment_score":0.0785013884305954,"channel":1,"num_words":1,"start":360.61,"end":361.11},{"sentences":[{"text":"to point out here is that with growth, you're generally sitting between 80 to 90% growth assets.","start":360.71002,"end":367.05002,"sentiment":"neutral","sentiment_score":0.06403968548950027},{"text":"You're in the middle row, it says growth total in gray.","start":367.59,"end":370.23,"sentiment":"neutral","sentiment_score":0.03466067683290352},{"text":"Don't know if you can sort","start":370.23,"end":371.11002,"sentiment":"neutral","sentiment_score":-0.0011145536166926224}],"sentiment":"neutral","sentiment_score":0.04303690519950846,"channel":0,"num_words":34,"start":360.71002,"end":371.11002},{"sentences":[{"text":"Mhmm.","start":370.93,"end":371.295,"sentiment":"neutral","sentiment_score":0.01710904948413372}],"sentiment":"neutral","sentiment_score":0.01710904948413372,"channel":1,"num_words":1,"start":370.93,"end":371.295},{"sentences":[{"text":"of make out those figures in the tape.","start":371.11002,"end":372.735,"sentiment":"neutral","sentiment_score":0.022412306163460016},{"text":"Yep.","start":373.935,"end":374.25497,"sentiment":"neutral","sentiment_score":0.10289271920919418},{"text":"So 80 is the risk profile, 87 is where you were, and just under 85 once we rebalance everything.","start":374.25497,"end":380.835,"sentiment":"neutral","sentiment_score":0.057417473902827816},{"text":"Pretty","start":381.215,"end":381.455,"sentiment":"neutral","sentiment_score":0.18847914040088656}],"sentiment":"neutral","sentiment_score":0.053848355623154806,"channel":0,"num_words":29,"start":371.11002,"end":381.455},{"sentences":[{"text":"Mhmm.","start":381.295,"end":381.795,"sentiment":"neutral","sentiment_score":0.1186029464006424}],"sentiment":"neutral","sentiment_score":0.1186029464006424,"channel":1,"num_words":1,"start":381.295,"end":381.795},{"sentences":[{"text":"well in line, but that's fee comparison on the next page for me.","start":381.455,"end":386.16,"sentiment":"neutral","sentiment_score":0.12533158751634452}],"sentiment":"neutral","sentiment_score":0.12533158751634452,"channel":0,"num_words":13,"start":381.455,"end":386.16},{"sentences":[{"text":"Mhmm.","start":387.16998,"end":387.66998,"sentiment":"neutral","sentiment_score":0.04137566685676575}],"sentiment":"neutral","sentiment_score":0.04137566685676575,"channel":1,"num_words":1,"start":387.16998,"end":387.66998},{"sentences":[{"text":"Now top right, that's got the capital gains tax implication factored in for switching the investments, but you can see there the investment fees.","start":388.08002,"end":397.44,"sentiment":"neutral","sentiment_score":0.04219263427269956},{"text":"We're able to get them below half by switching these investments around.","start":397.44,"end":401.86002,"sentiment":"neutral","sentiment_score":0.06863322854042053}],"sentiment":"neutral","sentiment_score":0.05100616569527321,"channel":0,"num_words":36,"start":388.08002,"end":401.86002},{"sentences":[{"text":"Ah, yes.","start":402.20502,"end":402.525,"sentiment":"neutral","sentiment_score":0.14416217803955078},{"text":"Yep.","start":402.525,"end":402.845,"sentiment":"neutral","sentiment_score":0.15310145914554596},{"text":"Yep.","start":402.845,"end":403.345,"sentiment":"neutral","sentiment_score":0.19495081901550293}],"sentiment":"neutral","sentiment_score":0.1590941585600376,"channel":1,"num_words":4,"start":402.20502,"end":403.345},{"sentences":[{"text":"So it goes from two two eight eight to nine five two.","start":403.785,"end":406.345,"sentiment":"neutral","sentiment_score":0.12953884154558182},{"text":"They are percentage based, so it changes based on your balance, but that's an estimate based on the date the document was generated.","start":406.345,"end":413.645,"sentiment":"neutral","sentiment_score":0.13077871631021085},{"text":"And I factored in the contributions as well as the premiums for that new insurance cover as well.","start":414.10498,"end":421.19,"sentiment":"neutral","sentiment_score":0.12453196570277214}],"sentiment":"neutral","sentiment_score":0.12837645200625905,"channel":0,"num_words":53,"start":403.785,"end":421.19},{"sentences":[{"text":"Mhmm.","start":421.63,"end":422.13,"sentiment":"neutral","sentiment_score":0.1013357639312744}],"sentiment":"neutral","sentiment_score":0.1013357639312744,"channel":1,"num_words":1,"start":421.63,"end":422.13},{"sentences":[{"text":"The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there.","start":422.93,"end":432.31,"sentiment":"neutral","sentiment_score":0.18522467900966777}],"sentiment":"neutral","sentiment_score":0.18522467900966777,"channel":0,"num_words":29,"start":422.93,"end":432.31},{"sentences":[{"text":"Yep.","start":432.595,"end":433.095,"sentiment":"neutral","sentiment_score":0.2156432569026947}],"sentiment":"neutral","sentiment_score":0.2156432569026947,"channel":1,"num_words":1,"start":432.595,"end":433.095},{"sentences":[{"text":"Okay.","start":433.545,"end":433.865,"sentiment":"neutral","sentiment_score":0.1958741843700409},{"text":"So we'll kinda offset the premiums a little bit, and I've given you an updated projection on the next page, which with a grain of salt somewhere","start":433.865,"end":442.265,"sentiment":"neutral","sentiment_score":0.14720791178169074}],"sentiment":"neutral","sentiment_score":0.14894599294556038,"channel":0,"num_words":28,"start":433.545,"end":442.265},{"sentences":[{"text":"Mhmm.","start":441.9,"end":442.4,"sentiment":"neutral","sentiment_score":0.07431440055370331}],"sentiment":"neutral","sentiment_score":0.07431440055370331,"channel":1,"num_words":1,"start":441.9,"end":442.4},{"sentences":[{"text":"between 1 to 400,000 extra over the next five and ten years if the markets continue to go the way they have been.","start":442.265,"end":449.1,"sentiment":"neutral","sentiment_score":0.12103286450323851}],"sentiment":"neutral","sentiment_score":0.12103286450323851,"channel":0,"num_words":23,"start":442.265,"end":449.1},{"sentences":[{"text":"Yep.","start":449.25998,"end":449.66,"sentiment":"neutral","sentiment_score":0.22222642600536344},{"text":"Okay.","start":449.66,"end":450.13998,"sentiment":"neutral","sentiment_score":0.3039046823978424},{"text":"Cool.","start":450.13998,"end":450.63998,"sentiment":"neutral","sentiment_score":0.3203365206718445}],"sentiment":"neutral","sentiment_score":0.2821558763583501,"channel":1,"num_words":3,"start":449.25998,"end":450.63998},{"sentences":[{"text":"K?","start":450.84,"end":451.34,"sentiment":"neutral","sentiment_score":0.10309460759162904}],"sentiment":"neutral","sentiment_score":0.10309460759162904,"channel":0,"num_words":1,"start":450.84,"end":451.34},{"sentences":[{"text":"Very good.","start":451.02,"end":451.75998,"sentiment":"positive","sentiment_score":0.7227009236812592}],"sentiment":"positive","sentiment_score":0.7227009236812592,"channel":1,"num_words":2,"start":451.02,"end":451.75998},{"sentences":[{"text":"Performance, it just brings it all up back into double digits across all time frames.","start":452.2,"end":456.46,"sentiment":"positive","sentiment_score":0.6035696168740591},{"text":"Do you have any questions on the super side so far?","start":457.32,"end":459.66,"sentiment":"neutral","sentiment_score":0.18018580837683243}],"sentiment":"positive","sentiment_score":0.4244456978944632,"channel":0,"num_words":26,"start":452.2,"end":459.66},{"sentences":[{"text":"No.","start":460.015,"end":460.255,"sentiment":"neutral","sentiment_score":-0.04365193098783493},{"text":"No.","start":460.255,"end":460.49503,"sentiment":"neutral","sentiment_score":-0.011835504323244097},{"text":"All good.","start":460.49503,"end":461.05502,"sentiment":"neutral","sentiment_score":0.20054170489311218},{"text":"All fine.","start":461.05502,"end":461.695,"sentiment":"neutral","sentiment_score":0.2691721171140671},{"text":"Yep.","start":461.695,"end":462.195,"sentiment":"positive","sentiment_score":0.3728454113006592}],"sentiment":"neutral","sentiment_score":0.17954080285770552,"channel":1,"num_words":7,"start":460.015,"end":462.195},{"sentences":[{"text":"Perfect.","start":462.24503,"end":462.565,"sentiment":"positive","sentiment_score":0.549047589302063},{"text":"So, basically, new investments, extra contributions, huge impact there.","start":462.565,"end":466.725,"sentiment":"positive","sentiment_score":0.3808768060472276},{"text":"And the main one that I wanted to walk you through is just for this insurance policy on the next page.","start":466.725,"end":471.385,"sentiment":"neutral","sentiment_score":0.14813857348192305},{"text":"We've gone for tau.","start":472.5,"end":474.2,"sentiment":"neutral","sentiment_score":0.08654899522662163},{"text":"So when you did that pre assessment with Caden, we called around and tried to see who would offer you the best outcome","start":474.5,"end":480.52,"sentiment":"neutral","sentiment_score":0.11113870014315066}],"sentiment":"neutral","sentiment_score":0.17224543053528357,"channel":0,"num_words":58,"start":462.24503,"end":480.52},{"sentences":[{"text":"Mhmm.","start":480.88998,"end":480.96997,"sentiment":"neutral","sentiment_score":0.09788845479488371}],"sentiment":"neutral","sentiment_score":0.09788845479488371,"channel":1,"num_words":1,"start":480.88998,"end":480.96997},{"sentences":[{"text":"in","start":480.9,"end":481.13998,"sentiment":"neutral","sentiment_score":0.09615161269903184}],"sentiment":"neutral","sentiment_score":0.09615161269903184,"channel":0,"num_words":1,"start":480.9,"end":481.13998},{"sentences":[{"text":"Mhmm.","start":480.96997,"end":481.46997,"sentiment":"neutral","sentiment_score":0.10148729383945464}],"sentiment":"neutral","sentiment_score":0.10148729383945464,"channel":1,"num_words":1,"start":480.96997,"end":481.46997},{"sentences":[{"text":"terms of price, quality, and medical,","start":481.13998,"end":484.52,"sentiment":"neutral","sentiment_score":0.16215972478191057}],"sentiment":"neutral","sentiment_score":0.16215972478191057,"channel":0,"num_words":6,"start":481.13998,"end":484.52},{"sentences":[{"text":"Yep.","start":484.98502,"end":485.48502,"sentiment":"neutral","sentiment_score":0.273842990398407}],"sentiment":"neutral","sentiment_score":0.273842990398407,"channel":1,"num_words":1,"start":484.98502,"end":485.48502},{"sentences":[{"text":"and tau came out the best across all three.","start":485.06,"end":487.695,"sentiment":"positive","sentiment_score":0.3781699621015125},{"text":"So this is essentially a million dollars worth of life and disability cover,","start":488.89502,"end":492.755,"sentiment":"neutral","sentiment_score":0.19876085565640375}],"sentiment":"neutral","sentiment_score":0.272155490111221,"channel":0,"num_words":22,"start":485.06,"end":492.755},{"sentences":[{"text":"Yep.","start":492.745,"end":493.065,"sentiment":"neutral","sentiment_score":0.11309681832790376}],"sentiment":"neutral","sentiment_score":0.11309681832790376,"channel":1,"num_words":1,"start":492.745,"end":493.065},{"sentences":[{"text":"income","start":493.055,"end":493.375,"sentiment":"neutral","sentiment_score":0.11106976866722108}],"sentiment":"neutral","sentiment_score":0.11106976866722108,"channel":0,"num_words":1,"start":493.055,"end":493.375},{"sentences":[{"text":"Yep.","start":493.065,"end":493.565,"sentiment":"neutral","sentiment_score":0.10129982233047484}],"sentiment":"neutral","sentiment_score":0.10129982233047484,"channel":1,"num_words":1,"start":493.065,"end":493.565},{"sentences":[{"text":"protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and","start":493.375,"end":500.495,"sentiment":"neutral","sentiment_score":0.18039533637818836}],"sentiment":"neutral","sentiment_score":0.18039533637818836,"channel":0,"num_words":21,"start":493.375,"end":500.495},{"sentences":[{"text":"Yep.","start":500.17,"end":500.67,"sentiment":"neutral","sentiment_score":0.1467120498418808}],"sentiment":"neutral","sentiment_score":0.1467120498418808,"channel":1,"num_words":1,"start":500.17,"end":500.67},{"sentences":[{"text":"five year benefit period as well.","start":500.495,"end":502.755,"sentiment":"neutral","sentiment_score":0.157900740702947}],"sentiment":"neutral","sentiment_score":0.157900740702947,"channel":0,"num_words":6,"start":500.495,"end":502.755},{"sentences":[{"text":"Cool.","start":502.33002,"end":502.83002,"sentiment":"neutral","sentiment_score":0.27974724769592285},{"text":"Yeah.","start":502.97,"end":503.29,"sentiment":"neutral","sentiment_score":0.19466978311538696},{"text":"Okay.","start":503.29,"end":503.61002,"sentiment":"neutral","sentiment_score":0.2215651273727417}],"sentiment":"neutral","sentiment_score":0.23199405272801718,"channel":1,"num_words":3,"start":502.33002,"end":503.61002},{"sentences":[{"text":"Cool?","start":503.49002,"end":503.99002,"sentiment":"neutral","sentiment_score":0.3173491954803467}],"sentiment":"neutral","sentiment_score":0.3173491954803467,"channel":0,"num_words":1,"start":503.49002,"end":503.99002},{"sentences":[{"text":"Good.","start":503.61002,"end":504.11002,"sentiment":"positive","sentiment_score":0.3721767663955689},{"text":"Yep.","start":504.17,"end":504.67,"sentiment":"neutral","sentiment_score":0.21745190024375916}],"sentiment":"neutral","sentiment_score":0.294814333319664,"channel":1,"num_words":2,"start":503.61002,"end":504.67},{"sentences":[{"text":"Now the only tweak for this one, there's two little things.","start":504.37,"end":507.43002,"sentiment":"neutral","sentiment_score":0.05539088848639618}],"sentiment":"neutral","sentiment_score":0.05539088848639618,"channel":0,"num_words":11,"start":504.37,"end":507.43002},{"sentences":[{"text":"Yep.","start":507.69,"end":508.19,"sentiment":"neutral","sentiment_score":0.056975170969963074}],"sentiment":"neutral","sentiment_score":0.056975170969963074,"channel":1,"num_words":1,"start":507.69,"end":508.19},{"sentences":[{"text":"So because of the, like, the blood pressure and the cholesterol, they've got a bit of a loading on the life cover, which has just bumped the premiums up a little bit, but it still came out very, very good.","start":507.89,"end":519.625,"sentiment":"neutral","sentiment_score":0.19127619955688716}],"sentiment":"neutral","sentiment_score":0.19127619955688716,"channel":0,"num_words":40,"start":507.89,"end":519.625},{"sentences":[{"text":"Mhmm.","start":519.90497,"end":520.40497,"sentiment":"neutral","sentiment_score":0.02687850780785084}],"sentiment":"neutral","sentiment_score":0.02687850780785084,"channel":1,"num_words":1,"start":519.90497,"end":520.40497},{"sentences":[{"text":"And the only other thing was with the family history of the cardiomyopathy, they've got","start":520.005,"end":524.805,"sentiment":"neutral","sentiment_score":-0.01811447342236837}],"sentiment":"neutral","sentiment_score":-0.01811447342236837,"channel":0,"num_words":15,"start":520.005,"end":524.805},{"sentences":[{"text":"Mhmm.","start":524.705,"end":525.205,"sentiment":"neutral","sentiment_score":-0.02293119579553604}],"sentiment":"neutral","sentiment_score":-0.02293119579553604,"channel":1,"num_words":1,"start":524.705,"end":525.205},{"sentences":[{"text":"a a bit of a precautionary exclusion on there for","start":524.805,"end":528.325,"sentiment":"neutral","sentiment_score":-0.051155125722289085}],"sentiment":"neutral","sentiment_score":-0.051155125722289085,"channel":0,"num_words":10,"start":524.805,"end":528.325},{"sentences":[{"text":"Yeah.","start":528.1,"end":528.34,"sentiment":"neutral","sentiment_score":-0.008639263920485973}],"sentiment":"neutral","sentiment_score":-0.008639263920485973,"channel":1,"num_words":1,"start":528.1,"end":528.34},{"sentences":[{"text":"that","start":528.325,"end":528.565,"sentiment":"neutral","sentiment_score":0.0012336131185293198}],"sentiment":"neutral","sentiment_score":0.0012336131185293198,"channel":0,"num_words":1,"start":528.325,"end":528.565},{"sentences":[{"text":"That's","start":528.34,"end":528.66,"sentiment":"neutral","sentiment_score":0.006780753843486309}],"sentiment":"neutral","sentiment_score":0.006780753843486309,"channel":1,"num_words":1,"start":528.34,"end":528.66},{"sentences":[{"text":"particular","start":528.565,"end":529.065,"sentiment":"neutral","sentiment_score":0.004399348050355911}],"sentiment":"neutral","sentiment_score":0.004399348050355911,"channel":0,"num_words":1,"start":528.565,"end":529.065},{"sentences":[{"text":"fine.","start":528.66,"end":529.16,"sentiment":"neutral","sentiment_score":-0.006301630288362503}],"sentiment":"neutral","sentiment_score":-0.006301630288362503,"channel":1,"num_words":1,"start":528.66,"end":529.16},{"sentences":[{"text":"heart condition.","start":529.125,"end":529.865,"sentiment":"neutral","sentiment_score":-0.03326255828142166}],"sentiment":"neutral","sentiment_score":-0.03326255828142166,"channel":0,"num_words":2,"start":529.125,"end":529.865},{"sentences":[{"text":"Yeah.","start":530.18,"end":530.34,"sentiment":"neutral","sentiment_score":0.02810893952846527},{"text":"That's okay.","start":530.34,"end":531.06,"sentiment":"neutral","sentiment_score":0.04315541684627533},{"text":"Mhmm.","start":531.06,"end":531.56,"sentiment":"neutral","sentiment_score":0.017439858987927437}],"sentiment":"neutral","sentiment_score":0.03296490805223584,"channel":1,"num_words":4,"start":530.18,"end":531.56},{"sentences":[{"text":"Now what that basically means, Kelly, is they actually did say that they can remove it after 50.","start":531.69,"end":536.19,"sentiment":"neutral","sentiment_score":0.0022476735628313487},{"text":"So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away.","start":536.33,"end":543.15,"sentiment":"neutral","sentiment_score":0.04291746780276298}],"sentiment":"neutral","sentiment_score":0.02589290277209393,"channel":0,"num_words":43,"start":531.69,"end":543.15},{"sentences":[{"text":"Okay.","start":543.555,"end":543.95496,"sentiment":"neutral","sentiment_score":0.10109978914260864},{"text":"Cool.","start":543.95496,"end":544.45496,"sentiment":"neutral","sentiment_score":0.12152057886123656},{"text":"Mhmm.","start":544.51495,"end":545.01495,"sentiment":"neutral","sentiment_score":0.05736435949802399}],"sentiment":"neutral","sentiment_score":0.09332824250062306,"channel":1,"num_words":3,"start":543.555,"end":545.01495},{"sentences":[{"text":"K?","start":544.795,"end":545.275,"sentiment":"neutral","sentiment_score":0.03887903690338135},{"text":"So all I've done here is I've just said, with your existing, it may seem a bit strange, but that little bit of life cover and income protection you've got with Hub, I'm recommending that you just keep that in place in the time being because it will protect you in those events","start":545.275,"end":558.415,"sentiment":"neutral","sentiment_score":0.0941194862408458}],"sentiment":"neutral","sentiment_score":0.09309651495681869,"channel":0,"num_words":54,"start":544.795,"end":558.415},{"sentences":[{"text":"Mhmm.","start":558.74,"end":559.24,"sentiment":"neutral","sentiment_score":0.019305896013975143}],"sentiment":"neutral","sentiment_score":0.019305896013975143,"channel":1,"num_words":1,"start":558.74,"end":559.24},{"sentences":[{"text":"until that exclusion can be removed.","start":559.12,"end":561.06,"sentiment":"neutral","sentiment_score":-0.17805092533429465}],"sentiment":"neutral","sentiment_score":-0.17805092533429465,"channel":0,"num_words":6,"start":559.12,"end":561.06},{"sentences":[{"text":"Yeah.","start":561.13995,"end":561.45996,"sentiment":"neutral","sentiment_score":0.07505138218402863},{"text":"That's fine.","start":561.45996,"end":562.1,"sentiment":"neutral","sentiment_score":0.16564631462097168},{"text":"Yeah.","start":562.1,"end":562.5,"sentiment":"neutral","sentiment_score":0.0721440315246582}],"sentiment":"neutral","sentiment_score":0.11962201073765755,"channel":1,"num_words":4,"start":561.13995,"end":562.5},{"sentences":[{"text":"K?","start":562.31995,"end":562.63995,"sentiment":"neutral","sentiment_score":0.04442255944013595}],"sentiment":"neutral","sentiment_score":0.04442255944013595,"channel":0,"num_words":1,"start":562.31995,"end":562.63995},{"sentences":[{"text":"Yep.","start":562.5,"end":563.0,"sentiment":"neutral","sentiment_score":0.039552729576826096}],"sentiment":"neutral","sentiment_score":0.039552729576826096,"channel":1,"num_words":1,"start":562.5,"end":563.0},{"sentences":[{"text":"So it's an extra couple of $100 for the year.","start":562.63995,"end":564.95996,"sentiment":"neutral","sentiment_score":-0.005431878194212913},{"text":"Once that's done, we can get that canceled.","start":564.95996,"end":566.98,"sentiment":"neutral","sentiment_score":-0.05158524471335113}],"sentiment":"neutral","sentiment_score":-0.025944485536052123,"channel":0,"num_words":18,"start":562.63995,"end":566.98},{"sentences":[{"text":"Yep.","start":567.13995,"end":567.54,"sentiment":"neutral","sentiment_score":0.09768430888652802},{"text":"No problem.","start":567.54,"end":568.19995,"sentiment":"neutral","sentiment_score":0.18987500667572021},{"text":"Yeah.","start":568.26,"end":568.76,"sentiment":"neutral","sentiment_score":0.2997605800628662}],"sentiment":"neutral","sentiment_score":0.19429872557520866,"channel":1,"num_words":4,"start":567.13995,"end":568.76},{"sentences":[{"text":"Perfect.","start":568.72,"end":569.22,"sentiment":"positive","sentiment_score":0.5578556060791016},{"text":"I've just included the comparison at the bottom of page 50 sorry, 22","start":569.36,"end":573.37994,"sentiment":"neutral","sentiment_score":0.16793788453707328}],"sentiment":"neutral","sentiment_score":0.19578915036150388,"channel":0,"num_words":14,"start":568.72,"end":573.37994},{"sentences":[{"text":"Mhmm.","start":573.485,"end":573.985,"sentiment":"neutral","sentiment_score":0.07494322210550308}],"sentiment":"neutral","sentiment_score":0.07494322210550308,"channel":1,"num_words":1,"start":573.485,"end":573.985},{"sentences":[{"text":"just so you can see all the providers that we looked at and the estimate of the loadings and exclusions there.","start":573.48505,"end":579.825,"sentiment":"neutral","sentiment_score":0.08522367370980126}],"sentiment":"neutral","sentiment_score":0.08522367370980126,"channel":0,"num_words":21,"start":573.48505,"end":579.825},{"sentences":[{"text":"Cool.","start":579.965,"end":580.365,"sentiment":"positive","sentiment_score":0.4948585331439972},{"text":"That's great.","start":580.365,"end":580.925,"sentiment":"positive","sentiment_score":0.6589852571487427},{"text":"Thank you.","start":580.925,"end":581.66504,"sentiment":"positive","sentiment_score":0.680729329586029}],"sentiment":"positive","sentiment_score":0.6348575413227081,"channel":1,"num_words":5,"start":579.965,"end":581.66504},{"sentences":[{"text":"Cool.","start":581.325,"end":581.80505,"sentiment":"positive","sentiment_score":0.3335443139076233},{"text":"Any questions so far?","start":581.80505,"end":583.10504,"sentiment":"neutral","sentiment_score":0.14636262878775597}],"sentiment":"neutral","sentiment_score":0.18379896581172944,"channel":0,"num_words":5,"start":581.325,"end":583.10504},{"sentences":[{"text":"Nope.","start":583.16504,"end":583.485,"sentiment":"neutral","sentiment_score":0.10864877700805664},{"text":"All good.","start":583.485,"end":584.22504,"sentiment":"neutral","sentiment_score":0.26470206677913666}],"sentiment":"neutral","sentiment_score":0.21268430352210999,"channel":1,"num_words":3,"start":583.16504,"end":584.22504},{"sentences":[{"text":"Cool.","start":584.765,"end":585.265,"sentiment":"neutral","sentiment_score":0.21709710359573364},{"text":"With the new life policy, we do need to put in place, obviously, a beneficiary for who receives that life insurance.","start":585.325,"end":591.39,"sentiment":"neutral","sentiment_score":0.08840988948941231}],"sentiment":"neutral","sentiment_score":0.09425930831242692,"channel":0,"num_words":22,"start":584.765,"end":591.39},{"sentences":[{"text":"Mhmm.","start":591.69,"end":592.19,"sentiment":"neutral","sentiment_score":0.03239845857024193}],"sentiment":"neutral","sentiment_score":0.03239845857024193,"channel":1,"num_words":1,"start":591.69,"end":592.19},{"sentences":[{"text":"We basically send the forms through.","start":592.97003,"end":594.89,"sentiment":"neutral","sentiment_score":0.04745196675260862},{"text":"If you need any help, just call through, and Michelle and the team can walk you through it pretty easily.","start":594.89,"end":599.15,"sentiment":"neutral","sentiment_score":0.1445621106773615},{"text":"Do you want us to post them out with a return envelope, or are you okay to kind of print them off an email?","start":599.475,"end":605.975,"sentiment":"neutral","sentiment_score":0.026421496567005914}],"sentiment":"neutral","sentiment_score":0.07620139863342047,"channel":0,"num_words":50,"start":592.97003,"end":605.975},{"sentences":[{"text":"I can print them off an email.","start":607.535,"end":609.235,"sentiment":"neutral","sentiment_score":0.029783685292516435}],"sentiment":"neutral","sentiment_score":0.029783685292516435,"channel":1,"num_words":7,"start":607.535,"end":609.235},{"sentences":[{"text":"Cool.","start":609.63495,"end":610.035,"sentiment":"neutral","sentiment_score":0.21457260847091675}],"sentiment":"neutral","sentiment_score":0.21457260847091675,"channel":0,"num_words":1,"start":609.63495,"end":610.035},{"sentences":[{"text":"That's","start":609.77496,"end":610.095,"sentiment":"neutral","sentiment_score":0.1393202245235443}],"sentiment":"neutral","sentiment_score":0.1393202245235443,"channel":1,"num_words":1,"start":609.77496,"end":610.095},{"sentences":[{"text":"As","start":610.035,"end":610.19495,"sentiment":"neutral","sentiment_score":0.1386948972940445}],"sentiment":"neutral","sentiment_score":0.1386948972940445,"channel":0,"num_words":1,"start":610.035,"end":610.19495},{"sentences":[{"text":"fine.","start":610.095,"end":610.595,"sentiment":"neutral","sentiment_score":0.1397188901901245}],"sentiment":"neutral","sentiment_score":0.1397188901901245,"channel":1,"num_words":1,"start":610.095,"end":610.595},{"sentences":[{"text":"long as you get that wet signs with a couple of","start":610.19495,"end":612.27496,"sentiment":"neutral","sentiment_score":0.06488490544936874}],"sentiment":"neutral","sentiment_score":0.06488490544936874,"channel":0,"num_words":11,"start":610.19495,"end":612.27496},{"sentences":[{"text":"I've","start":612.23004,"end":612.47003,"sentiment":"neutral","sentiment_score":0.06438597291707993}],"sentiment":"neutral","sentiment_score":0.06438597291707993,"channel":1,"num_words":1,"start":612.23004,"end":612.47003},{"sentences":[{"text":"witnesses,","start":612.27496,"end":612.77496,"sentiment":"neutral","sentiment_score":0.06006850674748421}],"sentiment":"neutral","sentiment_score":0.06006850674748421,"channel":0,"num_words":1,"start":612.27496,"end":612.77496},{"sentences":[{"text":"actually","start":612.47003,"end":612.95,"sentiment":"neutral","sentiment_score":0.06612908840179443}],"sentiment":"neutral","sentiment_score":0.06612908840179443,"channel":1,"num_words":1,"start":612.47003,"end":612.95},{"sentences":[{"text":"just","start":612.915,"end":613.07495,"sentiment":"neutral","sentiment_score":0.07538206875324249}],"sentiment":"neutral","sentiment_score":0.07538206875324249,"channel":0,"num_words":1,"start":612.915,"end":613.07495},{"sentences":[{"text":"got","start":612.95,"end":613.19,"sentiment":"neutral","sentiment_score":0.06495605409145355}],"sentiment":"neutral","sentiment_score":0.06495605409145355,"channel":1,"num_words":1,"start":612.95,"end":613.19},{"sentences":[{"text":"because","start":613.07495,"end":613.315,"sentiment":"neutral","sentiment_score":0.07046929001808167}],"sentiment":"neutral","sentiment_score":0.07046929001808167,"channel":0,"num_words":1,"start":613.07495,"end":613.315},{"sentences":[{"text":"one","start":613.19,"end":613.43005,"sentiment":"neutral","sentiment_score":0.06138096749782562}],"sentiment":"neutral","sentiment_score":0.06138096749782562,"channel":1,"num_words":1,"start":613.19,"end":613.43005},{"sentences":[{"text":"it's","start":613.315,"end":613.815,"sentiment":"neutral","sentiment_score":0.06801294535398483}],"sentiment":"neutral","sentiment_score":0.06801294535398483,"channel":0,"num_words":1,"start":613.315,"end":613.815},{"sentences":[{"text":"here.","start":613.43005,"end":613.93005,"sentiment":"neutral","sentiment_score":0.07086426019668579},{"text":"I've","start":614.87,"end":615.11005,"sentiment":"neutral","sentiment_score":0.06002221629023552}],"sentiment":"neutral","sentiment_score":0.06544323824346066,"channel":1,"num_words":2,"start":613.43005,"end":615.11005},{"sentences":[{"text":"is","start":615.06,"end":615.22,"sentiment":"neutral","sentiment_score":0.046425141394138336}],"sentiment":"neutral","sentiment_score":0.046425141394138336,"channel":0,"num_words":1,"start":615.06,"end":615.22},{"sentences":[{"text":"actually","start":615.11005,"end":615.43005,"sentiment":"neutral","sentiment_score":0.05904294177889824}],"sentiment":"neutral","sentiment_score":0.05904294177889824,"channel":1,"num_words":1,"start":615.11005,"end":615.43005},{"sentences":[{"text":"that","start":615.22,"end":615.45996,"sentiment":"neutral","sentiment_score":0.052531126886606216}],"sentiment":"neutral","sentiment_score":0.052531126886606216,"channel":0,"num_words":1,"start":615.22,"end":615.45996},{"sentences":[{"text":"got","start":615.43005,"end":615.93005,"sentiment":"neutral","sentiment_score":0.05869852378964424}],"sentiment":"neutral","sentiment_score":0.05869852378964424,"channel":1,"num_words":1,"start":615.43005,"end":615.93005},{"sentences":[{"text":"the","start":615.45996,"end":615.95996,"sentiment":"neutral","sentiment_score":0.06943134218454361}],"sentiment":"neutral","sentiment_score":0.06943134218454361,"channel":0,"num_words":1,"start":615.45996,"end":615.95996},{"sentences":[{"text":"beneficiary nomination form.","start":617.35004,"end":619.05005,"sentiment":"neutral","sentiment_score":0.0784748246272405},{"text":"I've got one and I still there, and I just need someone to witness my signature.","start":619.59,"end":623.27,"sentiment":"neutral","sentiment_score":0.0346504133194685},{"text":"I've had it here for about twelve months.","start":623.27,"end":624.825,"sentiment":"neutral","sentiment_score":0.017558150924742222}],"sentiment":"neutral","sentiment_score":0.034455418310783525,"channel":1,"num_words":27,"start":617.35004,"end":624.825},{"sentences":[{"text":"oh, no.","start":625.54,"end":626.36,"sentiment":"neutral","sentiment_score":-0.0557967945933342}],"sentiment":"neutral","sentiment_score":-0.0557967945933342,"channel":0,"num_words":2,"start":625.54,"end":626.36},{"sentences":[{"text":"I can't maybe I just that's all I need to do, isn't it?","start":628.025,"end":631.405,"sentiment":"neutral","sentiment_score":-0.0450204206773868}],"sentiment":"neutral","sentiment_score":-0.0450204206773868,"channel":1,"num_words":13,"start":628.025,"end":631.405},{"sentences":[{"text":"Yeah.","start":631.435,"end":631.755,"sentiment":"neutral","sentiment_score":0.007317527197301388}],"sentiment":"neutral","sentiment_score":0.007317527197301388,"channel":0,"num_words":1,"start":631.435,"end":631.755},{"sentences":[{"text":"That's","start":631.625,"end":631.945,"sentiment":"neutral","sentiment_score":0.00986439734697342}],"sentiment":"neutral","sentiment_score":0.00986439734697342,"channel":1,"num_words":1,"start":631.625,"end":631.945},{"sentences":[{"text":"So","start":631.755,"end":631.995,"sentiment":"neutral","sentiment_score":0.0105974730104208}],"sentiment":"neutral","sentiment_score":0.0105974730104208,"channel":0,"num_words":1,"start":631.755,"end":631.995},{"sentences":[{"text":"it.","start":631.945,"end":632.445,"sentiment":"neutral","sentiment_score":0.00744132325053215}],"sentiment":"neutral","sentiment_score":0.00744132325053215,"channel":1,"num_words":1,"start":631.945,"end":632.445},{"sentences":[{"text":"that one, is that a Hub 241?","start":631.995,"end":634.01495,"sentiment":"neutral","sentiment_score":0.004026298810328756}],"sentiment":"neutral","sentiment_score":0.004026298810328756,"channel":0,"num_words":7,"start":631.995,"end":634.01495},{"sentences":[{"text":"I think it was printed off from my house.","start":635.145,"end":637.22504,"sentiment":"neutral","sentiment_score":-0.009083986903230349},{"text":"When we had our wills done, the lawyer, she she printed it off.","start":637.22504,"end":643.98,"sentiment":"neutral","sentiment_score":0.0035905147401186135},{"text":"So it's, yeah, mailed to Hub 24 Super GPO Box 529 Sydney, New South Wales.","start":644.04,"end":649.89996,"sentiment":"neutral","sentiment_score":0.017661368784805138}],"sentiment":"neutral","sentiment_score":0.006211928142285025,"channel":1,"num_words":37,"start":635.145,"end":649.89996},{"sentences":[{"text":"Oh, wow.","start":650.41,"end":651.07,"sentiment":"neutral","sentiment_score":0.03635150194168091}],"sentiment":"neutral","sentiment_score":0.03635150194168091,"channel":0,"num_words":2,"start":650.41,"end":651.07},{"sentences":[{"text":"Yeah.","start":651.24,"end":651.48,"sentiment":"neutral","sentiment_score":0.028757374733686447},{"text":"It I've got it done.","start":651.48,"end":652.92,"sentiment":"neutral","sentiment_score":0.04049212336540222},{"text":"I've got it done.","start":652.92,"end":654.68,"sentiment":"neutral","sentiment_score":0.049910588189959526},{"text":"I just need","start":654.68,"end":655.24,"sentiment":"neutral","sentiment_score":0.003326526532570521}],"sentiment":"neutral","sentiment_score":0.03391076337832671,"channel":1,"num_words":13,"start":651.24,"end":655.24},{"sentences":[{"text":"Just needs","start":655.055,"end":655.455,"sentiment":"neutral","sentiment_score":-0.01492081955075264}],"sentiment":"neutral","sentiment_score":-0.01492081955075264,"channel":0,"num_words":2,"start":655.055,"end":655.455},{"sentences":[{"text":"to","start":655.24,"end":655.56,"sentiment":"neutral","sentiment_score":-0.002557944506406784}],"sentiment":"neutral","sentiment_score":-0.002557944506406784,"channel":1,"num_words":1,"start":655.24,"end":655.56},{"sentences":[{"text":"to be","start":655.455,"end":655.655,"sentiment":"neutral","sentiment_score":-0.008542416617274284}],"sentiment":"neutral","sentiment_score":-0.008542416617274284,"channel":0,"num_words":2,"start":655.455,"end":655.655},{"sentences":[{"text":"post","start":655.56,"end":655.8,"sentiment":"neutral","sentiment_score":-0.009548787027597427}],"sentiment":"neutral","sentiment_score":-0.009548787027597427,"channel":1,"num_words":1,"start":655.56,"end":655.8},{"sentences":[{"text":"a witness.","start":655.655,"end":656.275,"sentiment":"neutral","sentiment_score":-0.0004515247419476509}],"sentiment":"neutral","sentiment_score":-0.0004515247419476509,"channel":0,"num_words":2,"start":655.655,"end":656.275},{"sentences":[{"text":"it.","start":655.8,"end":656.145,"sentiment":"neutral","sentiment_score":-0.012481155805289744},{"text":"I just need to witness.","start":656.385,"end":657.505,"sentiment":"neutral","sentiment_score":-0.011001385748386383},{"text":"Yeah.","start":657.505,"end":657.66504,"sentiment":"neutral","sentiment_score":0.012837043032050133},{"text":"Yeah.","start":657.66504,"end":658.145,"sentiment":"neutral","sentiment_score":0.008401910774409771},{"text":"Which maybe","start":658.145,"end":658.625,"sentiment":"neutral","sentiment_score":0.0034228768199682236}],"sentiment":"neutral","sentiment_score":-0.003940337710082531,"channel":1,"num_words":10,"start":655.8,"end":658.625},{"sentences":[{"text":"Yeah.","start":658.495,"end":658.895,"sentiment":"neutral","sentiment_score":0.027079429477453232}],"sentiment":"neutral","sentiment_score":0.027079429477453232,"channel":0,"num_words":1,"start":658.495,"end":658.895},{"sentences":[{"text":"I'll do","start":658.625,"end":658.945,"sentiment":"neutral","sentiment_score":0.04697934351861477}],"sentiment":"neutral","sentiment_score":0.04697934351861477,"channel":1,"num_words":2,"start":658.625,"end":658.945},{"sentences":[{"text":"So","start":658.895,"end":659.395,"sentiment":"neutral","sentiment_score":0.061598390340805054}],"sentiment":"neutral","sentiment_score":0.061598390340805054,"channel":0,"num_words":1,"start":658.895,"end":659.395},{"sentences":[{"text":"this weekend.","start":658.945,"end":659.685,"sentiment":"neutral","sentiment_score":0.10580020770430565}],"sentiment":"neutral","sentiment_score":0.10580020770430565,"channel":1,"num_words":2,"start":658.945,"end":659.685},{"sentences":[{"text":"that'd be good.","start":660.175,"end":660.895,"sentiment":"neutral","sentiment_score":0.23999855915705362},{"text":"I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones.","start":660.895,"end":666.09503,"sentiment":"neutral","sentiment_score":-0.06492530573159457},{"text":"So I don't want you to send that off if it's too old and then they decline it.","start":666.09503,"end":670.55005,"sentiment":"negative","sentiment_score":-0.515187508530087}],"sentiment":"neutral","sentiment_score":-0.24028989245615354,"channel":0,"num_words":41,"start":660.175,"end":670.55005},{"sentences":[{"text":"Well, the it has been witnessed.","start":670.32,"end":671.92,"sentiment":"neutral","sentiment_score":-0.16951533406972885},{"text":"Why haven't I sent it?","start":671.92,"end":673.38,"sentiment":"neutral","sentiment_score":-0.28034507036209105},{"text":"It has","start":674.16,"end":674.64,"sentiment":"neutral","sentiment_score":-0.1904420703649521}],"sentiment":"neutral","sentiment_score":-0.2153616536122102,"channel":1,"num_words":13,"start":670.32,"end":674.64},{"sentences":[{"text":"I don't","start":674.37,"end":674.77,"sentiment":"neutral","sentiment_score":-0.18672876805067062}],"sentiment":"neutral","sentiment_score":-0.18672876805067062,"channel":0,"num_words":2,"start":674.37,"end":674.77},{"sentences":[{"text":"been","start":674.64,"end":674.88,"sentiment":"neutral","sentiment_score":-0.1852059066295624}],"sentiment":"neutral","sentiment_score":-0.1852059066295624,"channel":1,"num_words":1,"start":674.64,"end":674.88},{"sentences":[{"text":"know,","start":674.77,"end":674.93,"sentiment":"neutral","sentiment_score":-0.1973678469657898}],"sentiment":"neutral","sentiment_score":-0.1973678469657898,"channel":0,"num_words":1,"start":674.77,"end":674.93},{"sentences":[{"text":"witnessed.","start":674.88,"end":675.38,"sentiment":"neutral","sentiment_score":-0.20125827193260193}],"sentiment":"neutral","sentiment_score":-0.20125827193260193,"channel":1,"num_words":1,"start":674.88,"end":675.38},{"sentences":[{"text":"Kelly.","start":674.93,"end":675.43,"sentiment":"neutral","sentiment_score":-0.08991559594869614}],"sentiment":"neutral","sentiment_score":-0.08991559594869614,"channel":0,"num_words":1,"start":674.93,"end":675.43},{"sentences":[{"text":"So it's no.","start":675.68,"end":676.24,"sentiment":"neutral","sentiment_score":-0.19927914440631866},{"text":"No.","start":676.24,"end":676.4,"sentiment":"neutral","sentiment_score":-0.31090134382247925},{"text":"It's a rhetorical question, not purely to answer.","start":676.4,"end":678.4,"sentiment":"neutral","sentiment_score":-0.25909239053726196},{"text":"But no.","start":678.4,"end":678.8,"sentiment":"neutral","sentiment_score":-0.18583545088768005},{"text":"The the lawyer, she witnessed it, and, also, there was two witnesses.","start":678.8,"end":684.025,"sentiment":"neutral","sentiment_score":-0.06293941522017121}],"sentiment":"neutral","sentiment_score":-0.1580162225291133,"channel":1,"num_words":26,"start":675.68,"end":684.025},{"sentences":[{"text":"I've got signed on this, but it's in 2025, like, literally a year ago.","start":684.025,"end":687.885,"sentiment":"neutral","sentiment_score":-0.036068688545908244}],"sentiment":"neutral","sentiment_score":-0.036068688545908244,"channel":1,"num_words":14,"start":684.025,"end":687.885},{"sentences":[{"text":"Amazing.","start":688.865,"end":689.345,"sentiment":"neutral","sentiment_score":0.2221185564994812},{"text":"Okay.","start":689.345,"end":689.845,"sentiment":"neutral","sentiment_score":-0.01845572143793106},{"text":"That might what be out of date.","start":689.985,"end":691.665,"sentiment":"neutral","sentiment_score":-0.23884397319384984},{"text":"I have seen that come across the last","start":691.665,"end":693.80005,"sentiment":"neutral","sentiment_score":-0.06685008248314261}],"sentiment":"neutral","sentiment_score":-0.11782621395061998,"channel":0,"num_words":17,"start":688.865,"end":693.80005},{"sentences":[{"text":"Yep.","start":693.78503,"end":694.28503,"sentiment":"neutral","sentiment_score":-0.0431150421500206}],"sentiment":"neutral","sentiment_score":-0.0431150421500206,"channel":1,"num_words":1,"start":693.78503,"end":694.28503},{"sentences":[{"text":"few months.","start":693.80005,"end":694.54004,"sentiment":"neutral","sentiment_score":-0.062326740473508835},{"text":"So","start":694.68,"end":695.08,"sentiment":"neutral","sentiment_score":0.018045280128717422}],"sentiment":"neutral","sentiment_score":-0.03553606693943342,"channel":0,"num_words":3,"start":693.80005,"end":695.08},{"sentences":[{"text":"Yep.","start":694.77,"end":695.27,"sentiment":"neutral","sentiment_score":0.013336270116269588}],"sentiment":"neutral","sentiment_score":0.013336270116269588,"channel":1,"num_words":1,"start":694.77,"end":695.27},{"sentences":[{"text":"just in case, I","start":695.08,"end":696.44,"sentiment":"neutral","sentiment_score":0.017401781864464283}],"sentiment":"neutral","sentiment_score":0.017401781864464283,"channel":0,"num_words":4,"start":695.08,"end":696.44},{"sentences":[{"text":"Yep.","start":696.29004,"end":696.79004,"sentiment":"neutral","sentiment_score":0.023433661088347435}],"sentiment":"neutral","sentiment_score":0.023433661088347435,"channel":1,"num_words":1,"start":696.29004,"end":696.79004},{"sentences":[{"text":"will send a hub and a TAO one together.","start":696.44,"end":699.18,"sentiment":"neutral","sentiment_score":0.020149144654472668}],"sentiment":"neutral","sentiment_score":0.020149144654472668,"channel":0,"num_words":9,"start":696.44,"end":699.18},{"sentences":[{"text":"Okay.","start":699.49005,"end":699.81006,"sentiment":"neutral","sentiment_score":0.18102605640888217},{"text":"Cool.","start":699.81006,"end":700.13,"sentiment":"positive","sentiment_score":0.35153645277023315},{"text":"That's fine.","start":700.13,"end":700.85004,"sentiment":"neutral","sentiment_score":0.3240130841732025},{"text":"Yep.","start":700.85004,"end":701.35004,"sentiment":"neutral","sentiment_score":0.31049302220344543}],"sentiment":"neutral","sentiment_score":0.29821633994579316,"channel":1,"num_words":5,"start":699.49005,"end":701.35004},{"sentences":[{"text":"Perfect.","start":701.24,"end":701.74,"sentiment":"positive","sentiment_score":0.5767919421195984},{"text":"Alrighty.","start":701.96,"end":702.46,"sentiment":"neutral","sentiment_score":0.28884178400039673},{"text":"Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and","start":703.24,"end":717.665,"sentiment":"neutral","sentiment_score":0.10094899530796443}],"sentiment":"neutral","sentiment_score":0.11938609907196628,"channel":0,"num_words":36,"start":701.24,"end":717.665},{"sentences":[{"text":"Mhmm.","start":717.275,"end":717.775,"sentiment":"neutral","sentiment_score":0.04549311101436615}],"sentiment":"neutral","sentiment_score":0.04549311101436615,"channel":1,"num_words":1,"start":717.275,"end":717.775},{"sentences":[{"text":"22% ongoing to manage, like, claims advice and things like that.","start":717.725,"end":722.38,"sentiment":"neutral","sentiment_score":0.052155127240852875},{"text":"So if you","start":722.38,"end":723.2,"sentiment":"neutral","sentiment_score":0.008733607828617096}],"sentiment":"neutral","sentiment_score":0.04285051593823092,"channel":0,"num_words":14,"start":717.725,"end":723.2},{"sentences":[{"text":"Yes.","start":722.86,"end":723.36,"sentiment":"neutral","sentiment_score":-0.008892837911844254}],"sentiment":"neutral","sentiment_score":-0.008892837911844254,"channel":1,"num_words":1,"start":722.86,"end":723.36},{"sentences":[{"text":"get injured, we'll help you through the claims process, help make the money last, all that kind of thing.","start":723.5,"end":728.3,"sentiment":"neutral","sentiment_score":0.05805902437944161},{"text":"So that's","start":728.3,"end":728.94,"sentiment":"neutral","sentiment_score":0.04999975115060806}],"sentiment":"neutral","sentiment_score":0.05729147454812413,"channel":0,"num_words":21,"start":723.5,"end":728.94},{"sentences":[{"text":"Mhmm.","start":728.86,"end":729.36,"sentiment":"neutral","sentiment_score":0.024255583062767982}],"sentiment":"neutral","sentiment_score":0.024255583062767982,"channel":1,"num_words":1,"start":728.86,"end":729.36},{"sentences":[{"text":"disclosed at the bottom there just underneath with the advice fees that we're getting through the super.","start":728.94,"end":733.60004,"sentiment":"neutral","sentiment_score":0.03044899005223723}],"sentiment":"neutral","sentiment_score":0.03044899005223723,"channel":0,"num_words":17,"start":728.94,"end":733.60004},{"sentences":[{"text":"Mhmm.","start":734.13995,"end":734.63995,"sentiment":"neutral","sentiment_score":0.12098214775323868}],"sentiment":"neutral","sentiment_score":0.12098214775323868,"channel":1,"num_words":1,"start":734.13995,"end":734.63995},{"sentences":[{"text":"Cool.","start":735.64496,"end":736.14496,"sentiment":"neutral","sentiment_score":0.2996734380722046},{"text":"With this document, so, basically, if you're happy with the plan, we sign the authority to proceed on this document.","start":736.365,"end":743.505,"sentiment":"neutral","sentiment_score":0.22048420011997222},{"text":"There's also an appendix in there, which is just background research, a quote for the insurer,","start":743.725,"end":750.10004,"sentiment":"neutral","sentiment_score":0.13336593424901366}],"sentiment":"neutral","sentiment_score":0.1849516861744829,"channel":0,"num_words":37,"start":735.64496,"end":750.10004},{"sentences":[{"text":"Mhmm.","start":750.775,"end":751.23,"sentiment":"neutral","sentiment_score":0.1344163566827774}],"sentiment":"neutral","sentiment_score":0.1344163566827774,"channel":1,"num_words":1,"start":750.775,"end":751.23},{"sentences":[{"text":"and just a couple of product documents as well.","start":751.84,"end":754.56,"sentiment":"neutral","sentiment_score":0.1339871668153339},{"text":"So PDFs and the like.","start":754.56,"end":756.18005,"sentiment":"neutral","sentiment_score":0.09065617620944977},{"text":"Those total close to 2,000 pages.","start":756.64,"end":759.46,"sentiment":"neutral","sentiment_score":0.12326417987545331},{"text":"So when it comes to the Odoo system, you don't have to scroll through the whole lot.","start":759.76,"end":763.605,"sentiment":"neutral","sentiment_score":0.11573902429903254},{"text":"You can pretty much just click next document once you get through each one, and it will skip ahead.","start":763.605,"end":768.665,"sentiment":"neutral","sentiment_score":0.09594836105641566}],"sentiment":"neutral","sentiment_score":0.11052379883559686,"channel":0,"num_words":56,"start":751.84,"end":768.665},{"sentences":[{"text":"Okay.","start":769.155,"end":769.655,"sentiment":"neutral","sentiment_score":0.08790944516658783}],"sentiment":"neutral","sentiment_score":0.08790944516658783,"channel":1,"num_words":1,"start":769.155,"end":769.655},{"sentences":[{"text":"Okay.","start":770.64496,"end":771.14496,"sentiment":"neutral","sentiment_score":0.07408107817173004},{"text":"Just gonna double check this quote here, make sure that's all current.","start":771.605,"end":775.70496,"sentiment":"neutral","sentiment_score":0.06732623899976413},{"text":"I believe it is.","start":777.31,"end":778.53,"sentiment":"neutral","sentiment_score":0.07926557213068008},{"text":"The next step from here, we pretty much have a lot of information you've already given us from that pre","start":778.59,"end":782.59,"sentiment":"neutral","sentiment_score":0.09046210963279008}],"sentiment":"neutral","sentiment_score":0.08130541695533572,"channel":0,"num_words":37,"start":770.64496,"end":782.59},{"sentences":[{"text":"Mhmm.","start":782.49,"end":782.99,"sentiment":"neutral","sentiment_score":0.0466223880648613}],"sentiment":"neutral","sentiment_score":0.0466223880648613,"channel":1,"num_words":1,"start":782.49,"end":782.99},{"sentences":[{"text":"assessment, and we've got the quotes and everything.","start":782.59,"end":784.61,"sentiment":"neutral","sentiment_score":0.10506959166377783},{"text":"Can I get you booked in to go through the application with the the implementation team?","start":785.55,"end":791.41003,"sentiment":"neutral","sentiment_score":0.08254799200221896}],"sentiment":"neutral","sentiment_score":0.09005519188940525,"channel":0,"num_words":24,"start":782.59,"end":791.41003},{"sentences":[{"text":"Yeah.","start":791.93,"end":792.25,"sentiment":"neutral","sentiment_score":0.1399678885936737},{"text":"That's fine.","start":792.25,"end":792.99,"sentiment":"neutral","sentiment_score":0.32991133630275726}],"sentiment":"neutral","sentiment_score":0.26659685373306274,"channel":1,"num_words":3,"start":791.93,"end":792.99},{"sentences":[{"text":"Cool.","start":794.055,"end":794.555,"sentiment":"positive","sentiment_score":0.5281809568405151},{"text":"I'll bring up their calendar.","start":794.935,"end":796.39496,"sentiment":"neutral","sentiment_score":0.28348803520202637},{"text":"Is there a good day and time next week potentially?","start":797.415,"end":801.675,"sentiment":"neutral","sentiment_score":0.19060318022966385}],"sentiment":"neutral","sentiment_score":0.24072830844670534,"channel":0,"num_words":16,"start":794.055,"end":801.675},{"sentences":[{"text":"Probably not next week because I've got my family here.","start":802.31494,"end":805.21497,"sentiment":"neutral","sentiment_score":-0.03596410052850842},{"text":"Can we do the week after?","start":805.675,"end":807.535,"sentiment":"neutral","sentiment_score":0.008084943673262993}],"sentiment":"neutral","sentiment_score":-0.019445708952844143,"channel":1,"num_words":16,"start":802.31494,"end":807.535},{"sentences":[{"text":"Absolutely.","start":808.8,"end":809.3,"sentiment":"neutral","sentiment_score":0.08970087021589279},{"text":"I will just bring","start":810.0,"end":810.8,"sentiment":"neutral","sentiment_score":0.07125052809715271}],"sentiment":"neutral","sentiment_score":0.07494059652090072,"channel":0,"num_words":5,"start":808.8,"end":810.8},{"sentences":[{"text":"Probably,","start":810.59,"end":811.09,"sentiment":"neutral","sentiment_score":0.05965287610888481}],"sentiment":"neutral","sentiment_score":0.05965287610888481,"channel":1,"num_words":1,"start":810.59,"end":811.09},{"sentences":[{"text":"up the phone.","start":810.8,"end":811.7,"sentiment":"neutral","sentiment_score":0.058391923705736794}],"sentiment":"neutral","sentiment_score":0.058391923705736794,"channel":0,"num_words":3,"start":810.8,"end":811.7},{"sentences":[{"text":"let's just go holiday.","start":811.87006,"end":812.91003,"sentiment":"neutral","sentiment_score":0.06514727883040905},{"text":"So it might be on the third or the twenty third after 12PM.","start":812.91003,"end":816.85004,"sentiment":"neutral","sentiment_score":0.0653886949786773}],"sentiment":"neutral","sentiment_score":0.06533189117908478,"channel":1,"num_words":17,"start":811.87006,"end":816.85004},{"sentences":[{"text":"Perfect.","start":818.255,"end":818.755,"sentiment":"positive","sentiment_score":0.3688408136367798},{"text":"And I'll just quickly double check.","start":819.695,"end":822.03503,"sentiment":"neutral","sentiment_score":0.14782766004403433},{"text":"Do I need to worry about","start":822.17505,"end":823.955,"sentiment":"neutral","sentiment_score":-0.001044881374885638}],"sentiment":"neutral","sentiment_score":0.09611826812705168,"channel":0,"num_words":13,"start":818.255,"end":823.955},{"sentences":[{"text":"No.","start":823.835,"end":824.335,"sentiment":"neutral","sentiment_score":-0.05670314282178879}],"sentiment":"neutral","sentiment_score":-0.05670314282178879,"channel":1,"num_words":1,"start":823.835,"end":824.335},{"sentences":[{"text":"daylight savings?","start":825.215,"end":826.195,"sentiment":"neutral","sentiment_score":-0.03679247945547104},{"text":"No.","start":826.575,"end":826.895,"sentiment":"neutral","sentiment_score":-0.07025980204343796},{"text":"New South Wales, no daylight savings.","start":826.895,"end":828.575,"sentiment":"neutral","sentiment_score":-0.030758132381985586},{"text":"Perfect.","start":828.575,"end":829.075,"sentiment":"neutral","sentiment_score":0.17167624831199646}],"sentiment":"neutral","sentiment_score":-0.015671730693429708,"channel":0,"num_words":10,"start":825.215,"end":829.075},{"sentences":[{"text":"Mhmm.","start":828.635,"end":829.135,"sentiment":"neutral","sentiment_score":0.050127170979976654}],"sentiment":"neutral","sentiment_score":0.050127170979976654,"channel":1,"num_words":1,"start":828.635,"end":829.135},{"sentences":[{"text":"So just after twelve on Thursday, the twenty third.","start":829.31,"end":833.81,"sentiment":"neutral","sentiment_score":0.03644508868455887}],"sentiment":"neutral","sentiment_score":0.03644508868455887,"channel":0,"num_words":9,"start":829.31,"end":833.81},{"sentences":[{"text":"Yep.","start":833.915,"end":834.395,"sentiment":"neutral","sentiment_score":0.082741379737854},{"text":"That'd be","start":834.395,"end":835.195,"sentiment":"neutral","sentiment_score":0.10675671324133873}],"sentiment":"neutral","sentiment_score":0.09875160207351048,"channel":1,"num_words":3,"start":833.915,"end":835.195},{"sentences":[{"text":"Yep.","start":834.99,"end":835.49,"sentiment":"neutral","sentiment_score":0.08896710723638535}],"sentiment":"neutral","sentiment_score":0.08896710723638535,"channel":0,"num_words":1,"start":834.99,"end":835.49},{"sentences":[{"text":"fine.","start":835.195,"end":835.695,"sentiment":"neutral","sentiment_score":0.13494399189949036},{"text":"Yep.","start":835.755,"end":836.16,"sentiment":"neutral","sentiment_score":0.15583670139312744}],"sentiment":"neutral","sentiment_score":0.1453903466463089,"channel":1,"num_words":2,"start":835.195,"end":836.16},{"sentences":[{"text":"Perfect.","start":836.11,"end":836.58997,"sentiment":"positive","sentiment_score":0.3635968267917633},{"text":"So I usually set aside an hour for that.","start":836.58997,"end":838.51,"sentiment":"neutral","sentiment_score":0.18325267732143402},{"text":"It doesn't usually take that long.","start":838.51,"end":840.20996,"sentiment":"neutral","sentiment_score":0.14689571410417557},{"text":"It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour.","start":840.75,"end":847.145,"sentiment":"neutral","sentiment_score":0.11121122510387348}],"sentiment":"neutral","sentiment_score":0.1377556442859627,"channel":0,"num_words":42,"start":836.11,"end":847.145},{"sentences":[{"text":"Yeah.","start":847.36,"end":847.6,"sentiment":"neutral","sentiment_score":0.12760165333747864},{"text":"That's fine.","start":847.6,"end":848.33997,"sentiment":"neutral","sentiment_score":0.22470849752426147}],"sentiment":"neutral","sentiment_score":0.19233954946200052,"channel":1,"num_words":3,"start":847.36,"end":848.33997},{"sentences":[{"text":"Perfect.","start":849.28503,"end":849.78503,"sentiment":"positive","sentiment_score":0.4214949309825897},{"text":"Alright, Kelly.","start":849.84503,"end":850.565,"sentiment":"neutral","sentiment_score":0.1968488022685051},{"text":"Any questions for me on any of the advice or additional documents at this point?","start":850.565,"end":854.10504,"sentiment":"neutral","sentiment_score":0.08900175939003627}],"sentiment":"neutral","sentiment_score":0.11945660702056354,"channel":0,"num_words":18,"start":849.28503,"end":854.10504},{"sentences":[{"text":"No.","start":854.625,"end":855.125,"sentiment":"neutral","sentiment_score":0.004385005682706833}],"sentiment":"neutral","sentiment_score":0.004385005682706833,"channel":1,"num_words":1,"start":854.625,"end":855.125},{"sentences":[{"text":"Cool.","start":856.085,"end":856.48505,"sentiment":"neutral","sentiment_score":0.13729608058929443},{"text":"Alrighty.","start":856.48505,"end":856.98505,"sentiment":"neutral","sentiment_score":0.2243337333202362},{"text":"Well, that is nice and easy.","start":857.125,"end":858.885,"sentiment":"positive","sentiment_score":0.6234525740146637},{"text":"I've got all of that ready for you to to sign.","start":858.885,"end":860.91,"sentiment":"positive","sentiment_score":0.3764447407288985},{"text":"Got you booked in on 12:00 or just after on the twenty third.","start":860.91,"end":865.57,"sentiment":"neutral","sentiment_score":0.1818160219834401}],"sentiment":"neutral","sentiment_score":0.33146392786875367,"channel":0,"num_words":32,"start":856.085,"end":865.57},{"sentences":[{"text":"We'll get the beneficiaries sent out to you.","start":865.79,"end":867.95,"sentiment":"neutral","sentiment_score":0.29352080449461937},{"text":"Basically, I guess, the way is do the application.","start":867.95,"end":870.61,"sentiment":"neutral","sentiment_score":0.22017064028316075},{"text":"As soon as the policy is ready to go, we'll send all the documents out","start":870.91,"end":874.13,"sentiment":"neutral","sentiment_score":0.2226099540789922}],"sentiment":"neutral","sentiment_score":0.2396516096778214,"channel":0,"num_words":32,"start":865.79,"end":874.13},{"sentences":[{"text":"Mhmm.","start":874.635,"end":875.135,"sentiment":"neutral","sentiment_score":0.15604299306869507}],"sentiment":"neutral","sentiment_score":0.15604299306869507,"channel":1,"num_words":1,"start":874.635,"end":875.135},{"sentences":[{"text":"to the email.","start":875.395,"end":876.29504,"sentiment":"neutral","sentiment_score":0.17642594377199808},{"text":"And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly.","start":876.755,"end":885.255,"sentiment":"neutral","sentiment_score":0.19174597643572708}],"sentiment":"neutral","sentiment_score":0.1903097233735025,"channel":0,"num_words":32,"start":875.395,"end":885.255},{"sentences":[{"text":"Okay.","start":885.755,"end":886.075,"sentiment":"neutral","sentiment_score":0.1431540548801422},{"text":"No problem.","start":886.075,"end":886.815,"sentiment":"neutral","sentiment_score":0.259968101978302}],"sentiment":"neutral","sentiment_score":0.2210300862789154,"channel":1,"num_words":3,"start":885.755,"end":886.815},{"sentences":[{"text":"Amazing.","start":887.49,"end":887.99,"sentiment":"neutral","sentiment_score":0.2741250991821289}],"sentiment":"neutral","sentiment_score":0.2741250991821289,"channel":0,"num_words":1,"start":887.49,"end":887.99},{"sentences":[{"text":"So","start":888.12,"end":888.36,"sentiment":"neutral","sentiment_score":0.06442420184612274}],"sentiment":"neutral","sentiment_score":0.06442420184612274,"channel":1,"num_words":1,"start":888.12,"end":888.36},{"sentences":[{"text":"Well,","start":888.13,"end":888.37,"sentiment":"neutral","sentiment_score":0.02836388722062111}],"sentiment":"neutral","sentiment_score":0.02836388722062111,"channel":0,"num_words":1,"start":888.13,"end":888.37},{"sentences":[{"text":"do","start":888.36,"end":888.68,"sentiment":"neutral","sentiment_score":0.017677515745162964}],"sentiment":"neutral","sentiment_score":0.017677515745162964,"channel":1,"num_words":1,"start":888.36,"end":888.68},{"sentences":[{"text":"if there's","start":888.37,"end":888.85,"sentiment":"neutral","sentiment_score":0.014376200153492391}],"sentiment":"neutral","sentiment_score":0.014376200153492391,"channel":0,"num_words":2,"start":888.37,"end":888.85},{"sentences":[{"text":"I start","start":888.68,"end":889.08,"sentiment":"neutral","sentiment_score":0.0059807803481817245}],"sentiment":"neutral","sentiment_score":0.0059807803481817245,"channel":1,"num_words":2,"start":888.68,"end":889.08},{"sentences":[{"text":"no","start":888.85,"end":889.00995,"sentiment":"neutral","sentiment_score":-0.005045980215072632}],"sentiment":"neutral","sentiment_score":-0.005045980215072632,"channel":0,"num_words":1,"start":888.85,"end":889.00995},{"sentences":[{"text":"this","start":889.08,"end":889.4,"sentiment":"neutral","sentiment_score":-0.004319626837968826}],"sentiment":"neutral","sentiment_score":-0.004319626837968826,"channel":1,"num_words":1,"start":889.08,"end":889.4},{"sentences":[{"text":"yep.","start":889.17,"end":889.67,"sentiment":"neutral","sentiment_score":-0.0026620165444910526}],"sentiment":"neutral","sentiment_score":-0.0026620165444910526,"channel":0,"num_words":1,"start":889.17,"end":889.67},{"sentences":[{"text":"now or wait","start":889.4,"end":890.68,"sentiment":"neutral","sentiment_score":-0.005204302569230397}],"sentiment":"neutral","sentiment_score":-0.005204302569230397,"channel":1,"num_words":3,"start":889.4,"end":890.68},{"sentences":[{"text":"Yeah.","start":890.61,"end":890.93,"sentiment":"neutral","sentiment_score":0.006834215484559536}],"sentiment":"neutral","sentiment_score":0.006834215484559536,"channel":0,"num_words":1,"start":890.61,"end":890.93},{"sentences":[{"text":"through it?","start":890.68,"end":891.42,"sentiment":"neutral","sentiment_score":-0.00003301259130239487}],"sentiment":"neutral","sentiment_score":-0.00003301259130239487,"channel":1,"num_words":2,"start":890.68,"end":891.42},{"sentences":[{"text":"If you're comfortable with it, but","start":890.93,"end":892.44995,"sentiment":"neutral","sentiment_score":0.03474051753679911}],"sentiment":"neutral","sentiment_score":0.03474051753679911,"channel":0,"num_words":6,"start":890.93,"end":892.44995},{"sentences":[{"text":"Yep.","start":892.44,"end":892.94,"sentiment":"neutral","sentiment_score":0.0659094974398613}],"sentiment":"neutral","sentiment_score":0.0659094974398613,"channel":1,"num_words":1,"start":892.44,"end":892.94},{"sentences":[{"text":"definitely have a read through if you wanna make sure beforehand.","start":892.44995,"end":895.11,"sentiment":"neutral","sentiment_score":0.06527439538728107}],"sentiment":"neutral","sentiment_score":0.06527439538728107,"channel":0,"num_words":11,"start":892.44995,"end":895.11},{"sentences":[{"text":"Yep.","start":894.92,"end":895.42,"sentiment":"neutral","sentiment_score":0.03767174854874611},{"text":"Oh, well, yep.","start":895.48,"end":896.38,"sentiment":"neutral","sentiment_score":0.04336414858698845},{"text":"Yep.","start":896.44,"end":896.94,"sentiment":"neutral","sentiment_score":0.015544228255748749}],"sentiment":"neutral","sentiment_score":0.03666168451309204,"channel":1,"num_words":5,"start":894.92,"end":896.94},{"sentences":[{"text":"And any questions, just give us a buzz, but I will leave that one with you.","start":897.81,"end":902.565,"sentiment":"neutral","sentiment_score":0.13667027140036225}],"sentiment":"neutral","sentiment_score":0.13667027140036225,"channel":0,"num_words":16,"start":897.81,"end":902.565},{"sentences":[{"text":"Alright.","start":902.705,"end":902.945,"sentiment":"positive","sentiment_score":0.48659276962280273},{"text":"Wonderful.","start":902.945,"end":903.42505,"sentiment":"positive","sentiment_score":0.8293153643608093},{"text":"Thanks for your time.","start":903.42505,"end":904.405,"sentiment":"positive","sentiment_score":0.866980254650116}],"sentiment":"positive","sentiment_score":0.7973048587640127,"channel":1,"num_words":6,"start":902.705,"end":904.405},{"sentences":[{"text":"Awesome, Kelly.","start":904.54504,"end":905.185,"sentiment":"positive","sentiment_score":0.844099372625351},{"text":"Have a fantastic week, and we'll talk to you on the twenty third.","start":905.185,"end":908.16504,"sentiment":"positive","sentiment_score":0.7066876659026513}],"sentiment":"positive","sentiment_score":0.7250092267990113,"channel":0,"num_words":15,"start":904.54504,"end":908.16504},{"sentences":[{"text":"Will do.","start":908.145,"end":908.54504,"sentiment":"positive","sentiment_score":0.593754917383194},{"text":"Thank you.","start":908.54504,"end":908.945,"sentiment":"positive","sentiment_score":0.7470654547214508},{"text":"Thank you.","start":908.945,"end":909.42505,"sentiment":"positive","sentiment_score":0.6809722781181335},{"text":"Bye bye.","start":909.42505,"end":910.16504,"sentiment":"positive","sentiment_score":0.3350473642349243}],"sentiment":"positive","sentiment_score":0.5892100036144257,"channel":1,"num_words":8,"start":908.145,"end":910.16504},{"sentences":[{"text":"Thank you.","start":909.905,"end":910.385,"sentiment":"positive","sentiment_score":0.6295194625854492},{"text":"Bye.","start":910.385,"end":910.885,"sentiment":"neutral","sentiment_score":-0.10891469568014144}],"sentiment":"positive","sentiment_score":0.38337474316358566,"channel":0,"num_words":3,"start":909.905,"end":910.885}]},"summary":{"result":"success","short":"A senior adviser from the company is speaking with Kelly to confirm her client password and update her on her updated plan. They also discuss retirement goals and retirement plans, updating the portfolio, and the benefits of a low fee investment option. The speaker explains the differences between different sections of the chart, recommends a low fee investment option, and provides information on a life insurance policy. They also recommend keeping the policy in place until it is removed due to a loading on the life cover and provide instructions for updating the policy and signing the authority to proceed. The agent explains the process for updating the policy and setting a time for the customer to go holiday."},"intents":{"segments":[{"text":"And just while I'm sending that through, could I please confirm for security your client password with Oakview? Is it Longo186?","start_word":73,"end_word":93,"intents":[{"intent":"Confirm security","confidence_score":0.4234563}]},{"text":"when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first. Mhmm. Yep.","start_word":186,"end_word":235,"intents":[{"intent":"Open documents","confidence_score":0.5325398},{"intent":"Scroll through documents","confidence_score":0.094089024}]},{"text":"So one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20. And we've submitted that notice of intent to claim to get Mhmm. that ready for your tax return. So that Cool.","start_word":294,"end_word":344,"intents":[{"intent":"Submit notice for tax return","confidence_score":0.031732894}]},{"text":"Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a Mhmm. few changes with the government and the economy.","start_word":350,"end_word":381,"intents":[{"intent":"Make portfolio changes","confidence_score":0.000725567}]},{"text":"Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations. Mhmm.","start_word":683,"end_word":729,"intents":[{"intent":"Analyze investment recommendations","confidence_score":0.004168235}]},{"text":"The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there. Yep.","start_word":1315,"end_word":1344,"intents":[{"intent":"Compare portfolio performance","confidence_score":0.012205642}]},{"text":"Do you have any questions on the super side so far?","start_word":1418,"end_word":1428,"intents":[{"intent":"Provide information","confidence_score":0.031679675}]},{"text":"So, basically, new investments, extra contributions, huge impact there. And the main one that I wanted to walk you through is just for this insurance policy on the next page.","start_word":1437,"end_word":1466,"intents":[{"intent":"Discuss insurance policy","confidence_score":0.046552002}]},{"text":"terms of price, quality, and medical, Yep. and tau came out the best across all three. So this is essentially a million dollars worth of life and disability cover, Yep. income Yep. protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and Yep. five year benefit period as well. Cool.","start_word":1497,"end_word":1557,"intents":[{"intent":"Discuss cost","confidence_score":0.0032050537}]},{"text":"Now what that basically means, Kelly, is they actually did say that they can remove it after 50. So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away. Okay. Cool.","start_word":1653,"end_word":1697,"intents":[{"intent":"Discuss removal procedure","confidence_score":0.0014959701}]},{"text":"I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones.","start_word":2079,"end_word":2098,"intents":[{"intent":"Update beneficiary forms","confidence_score":0.04563552}]},{"text":"Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and Mhmm. 22% ongoing to manage, like, claims advice and things like that.","start_word":2219,"end_word":2264,"intents":[{"intent":"Educate on insurance coverage","confidence_score":0.00035035054}]},{"text":"Can I get you booked in to go through the application with the the implementation team? Yeah.","start_word":2450,"end_word":2466,"intents":[{"intent":"Book application","confidence_score":0.5386613}]},{"text":"I'll bring up their calendar. Is there a good day and time next week potentially?","start_word":2470,"end_word":2484,"intents":[{"intent":"Confirm availability","confidence_score":0.16751912}]},{"text":"So I usually set aside an hour for that. It doesn't usually take that long. It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour. Yeah.","start_word":2568,"end_word":2609,"intents":[{"intent":"Set aside time","confidence_score":0.018957337}]},{"text":"As soon as the policy is ready to go, we'll send all the documents out Mhmm. to the email. And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly. Okay.","start_word":2680,"end_word":2728,"intents":[{"intent":"Send documents","confidence_score":0.39505383}]},{"text":"And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly. Okay.","start_word":2699,"end_word":2728,"intents":[{"intent":"Switch investments","confidence_score":0.4120982}]}]},"sentiments":{"segments":[{"text":"Hello. This is Kelly. Good afternoon, Kelly. It's Tommy here, senior adviser. How have you been?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13169948756694794},{"text":"Good. Thank you. How are you? I'm doing absolutely fantastic. Very excited to talk to you today.","start_word":16,"end_word":32,"sentiment":"positive","sentiment_score":0.6987131834030151},{"text":"I've got you booked in to go through your updated plan. Oh, k.","start_word":33,"end_word":45,"sentiment":"neutral","sentiment_score":0.29745063185691833},{"text":"That's fine. Beautiful.","start_word":46,"end_word":48,"sentiment":"positive","sentiment_score":0.4794972538948059},{"text":"So I'm gonna pop this through to your email. Will you be able to look onto the document with me today? Yeah. Sure.","start_word":49,"end_word":71,"sentiment":"neutral","sentiment_score":0.1730417758226395},{"text":"Fantastic.","start_word":72,"end_word":72,"sentiment":"positive","sentiment_score":0.5270059704780579},{"text":"And just while I'm sending that through, could I please confirm for security your client password with Oakview? Is it Longo186? That's the one.","start_word":73,"end_word":96,"sentiment":"neutral","sentiment_score":0.06972447037696838},{"text":"Thank Mhmm. you so much.","start_word":97,"end_word":101,"sentiment":"positive","sentiment_score":0.45984798669815063},{"text":"The password prompt we've got is she will remember it.","start_word":102,"end_word":111,"sentiment":"neutral","sentiment_score":0.2125734984874725},{"text":"So nice And and I easy.","start_word":112,"end_word":117,"sentiment":"positive","sentiment_score":0.5513078570365906},{"text":"didn't last time they asked me. I had no idea what it was, but I figured it No out. way. Sorry.","start_word":118,"end_word":138,"sentiment":"neutral","sentiment_score":-0.032373081892728806},{"text":"It was fun. I love it. I love it. Love it.","start_word":139,"end_word":149,"sentiment":"positive","sentiment_score":0.6554204821586609},{"text":"So that should come through pretty soon. Yeah. I believe That you've already gone through our new system before, so it shouldn't be any spam folders or anything like that. Mhmm. Yep. Now, Got Kelly, it. when you've got that document up, if you could hit that little purple sign button, what it's gonna do is open up the documents for you, and we're just gonna have a little scroll through them together, make sure you're comfortable with what we've come up with first. Mhmm. Yep. Got it. So and can you see that nice beachfront city picture there Yep. of the Gold Yes. Coast? Sensational. Yes. So if you scroll down to page four, we've got scope of advice, which is essentially what this document covers versus what it's not giving advice on, and Mhmm. there should be a nice blue heading there. So one of the things that we spoke about was the contributions, which I believe we were starting off with about 12,000, but you ended up putting in about 20. And we've submitted that notice of intent to claim to get Mhmm. that ready for your tax return. So that Cool. should come through very shortly. Now in addition to that, I did find an opportunity just to tweak a few things in your portfolio, which there's been a Mhmm. few changes with the government and the economy. So just found a a few things that might be a little bit better for you. And in addition to that, the main thing was the insurances. Just getting that life, TPD, and income protection in place, but not trauma cover because you've got other cash flow priorities. Does that ring a Yes. bell? Sensational. If you go onto that next page, we've got estate planning in there just as a reminder for, you know, getting Yes. in place a will and a power of attorney, but everything else looks pretty good. And we're not giving any advice on debt management. So you're obviously doing your own renovations and paying off the home. We're just focusing on the super and the insurance Yep. Yep. today.","start_word":150,"end_word":506,"sentiment":"neutral","sentiment_score":0.06407239607402257},{"text":"Perfect.","start_word":507,"end_word":507,"sentiment":"positive","sentiment_score":0.5076332688331604},{"text":"And if you go through, you will have a limited device warning after that. We're not giving advice on everything under the sun. And if Mhmm. you could just quickly check for me, I've got the about you section on page six and seven, which was those updated details that we captured. So Yep. we've got your listed sales and marketing manager about a 145. Email and phone number haven't changed. And we've got assets, the main residence, property, the Ford, and a bit of savings in the offset account. Mhmm. Perfect. Now can you just go through a few more pages for me? On nine and ten, we've got your risk profile. Yep. So growth, that four out of five on the risk scale, primarily focusing on growth, but, again, we're not going high risk. And if you go through to strategy recommendations on 11, there should be a few headings there underneath named best interest duty. Yep. So, basically, on this one, because retirement's a while away, we're not obviously retire sorry. Projecting out your retirement outcome right now because we can't accurately predict how long the funds are gonna last because so many changes in your circumstances are likely, but we've done the usual five to ten year projection just to show the impact of the recommendations. Mhmm. Now with the portfolio, we found a bit of an underperforming investment in that Benelon option there, and I found some better replacement options there that are a bit more lower fees, bit better performance. So I wanted Mhmm. to just take you through that as well, but I've also factored in those contributions that you did. Now the main thing, if you go on to that table on page 12, it should be quite large, but it's got advantages and disadvantages listed. Yep. Yes. So the main thing here is with all of these investments that we use, we use a lot of ETFs. So there is brokerage fees to purchase them upfront.","start_word":508,"end_word":842,"sentiment":"neutral","sentiment_score":0.03638461800431138},{"text":"It's very small, but once you've got them, they're kind of the lowest fee investments going forward.","start_word":843,"end_word":859,"sentiment":"positive","sentiment_score":0.3733868300914765},{"text":"With a portfolio update, there is a bit of capital gains tax that gets done under the hood. Within super, it's 15% to switch around investments that have grown. So I've Mhmm.","start_word":860,"end_word":891,"sentiment":"neutral","sentiment_score":0.22985492646694183},{"text":"factored in a little bit of that in there as well, but there's a huge, huge fee savings here.","start_word":892,"end_word":910,"sentiment":"positive","sentiment_score":0.35968324542045593},{"text":"So if you can go down a couple more pages for me, on 14, you'll see the contributions page. And Yep. it just says make your con concessional contributions, claim them. We're using that bring forward rule, which we did factor in. I think you had about 64,000 that you could use when we had that Yes. conversation. Yes.","start_word":911,"end_word":969,"sentiment":"neutral","sentiment_score":0.18010546267032623},{"text":"Perfect.","start_word":970,"end_word":970,"sentiment":"positive","sentiment_score":0.43191349506378174},{"text":"Now if you skip through past there, I just wanna bring your attention to pages sixteen and seventeen. It's a bit of a big table Oh, there with yeah. Yes. What's the codes numbers? of investments. Yep. Yes. So, basically, this is what I'm updating in terms of that very top row. It lists the BHYB, bank hybrids. Those are actually being phased out by the government as an investment option. So I'm Mhmm. just getting a a bit of a defensive replacement for that one at the bottom. The main one, though, is the middle row with the Benelong that's being replaced with and if you see the second last row, beta shares a 200, which Mhmm. is basically just a low fee passive option, And I'll show you the differences there in a second.","start_word":971,"end_word":1106,"sentiment":"neutral","sentiment_score":0.0854938986218151},{"text":"Now on pages eighteen and nineteen, this is the fun part for me.","start_word":1107,"end_word":1119,"sentiment":"positive","sentiment_score":0.34787580370903015},{"text":"You can see a bit of a colored pie chart there for your asset allocation. So the main thing I wanted Yeah. to point out here is that with growth, you're generally sitting between 80 to 90% growth assets. You're in the middle row, it says growth total in gray. Don't know if you can sort Mhmm. of make out those figures in the tape. Yep. So 80 is the risk profile, 87 is where you were, and just under 85 once we rebalance everything. Pretty Mhmm. well in line, but that's fee comparison on the next page for me. Mhmm. Now top right, that's got the capital gains tax implication factored in for switching the investments, but you can see there the investment fees. We're able to get them below half by switching these investments around. Ah, yes. Yep. Yep. So it goes from two two eight eight to nine five two. They are percentage based, so it changes based on your balance, but that's an estimate based on the date the document was generated. And I factored in the contributions as well as the premiums for that new insurance cover as well. Mhmm. The performance at the bottom, it kinda just brings you back up into double digits by updating the portfolio, but the main thing is just the fee savings there. Yep. Okay. So we'll kinda offset the premiums a little bit, and I've given you an updated projection on the next page, which with a grain of salt somewhere Mhmm. between 1 to 400,000 extra over the next five and ten years if the markets continue to go the way they have been. Yep. Okay. Cool. K?","start_word":1120,"end_word":1400,"sentiment":"neutral","sentiment_score":0.11539792269468307},{"text":"Very good. Performance, it just brings it all up back into double digits across all time frames.","start_word":1401,"end_word":1417,"sentiment":"positive","sentiment_score":0.614944577217102},{"text":"Do you have any questions on the super side so far? No. No. All good. All fine.","start_word":1418,"end_word":1434,"sentiment":"neutral","sentiment_score":0.15864375233650208},{"text":"Yep. Perfect. So, basically, new investments, extra contributions, huge impact there.","start_word":1435,"end_word":1445,"sentiment":"positive","sentiment_score":0.3800534307956696},{"text":"And the main one that I wanted to walk you through is just for this insurance policy on the next page. We've gone for tau. So when you did that pre assessment with Caden, we called around and tried to see who would offer you the best outcome Mhmm. in Mhmm. terms of price, quality, and medical, Yep.","start_word":1446,"end_word":1503,"sentiment":"neutral","sentiment_score":0.1310594528913498},{"text":"and tau came out the best across all three.","start_word":1504,"end_word":1512,"sentiment":"positive","sentiment_score":0.3631620109081268},{"text":"So this is essentially a million dollars worth of life and disability cover, Yep. income Yep. protection based on your new income, thirteen week waiting period because you've got a bit of savings under the belt, and Yep. five year benefit period as well. Cool. Yeah. Okay. Cool?","start_word":1513,"end_word":1560,"sentiment":"neutral","sentiment_score":0.18054640293121335},{"text":"Good.","start_word":1561,"end_word":1561,"sentiment":"positive","sentiment_score":0.3721767663955689},{"text":"Yep. Now the only tweak for this one, there's two little things. Yep. So because of the, like, the blood pressure and the cholesterol, they've got a bit of a loading on the life cover, which has just bumped the premiums up a little bit, but it still came out very, very good. Mhmm. And the only other thing was with the family history of the cardiomyopathy, they've got Mhmm. a a bit of a precautionary exclusion on there for Yeah. that That's particular fine. heart condition. Yeah. That's okay. Mhmm. Now what that basically means, Kelly, is they actually did say that they can remove it after 50. So as soon as you get through to age 50 with no issues, we could have that reviewed and potentially removed pretty much straight away. Okay. Cool. Mhmm. K? So all I've done here is I've just said, with your existing, it may seem a bit strange, but that little bit of life cover and income protection you've got with Hub, I'm recommending that you just keep that in place in the time being because it will protect you in those events Mhmm. until that exclusion can be removed. Yeah. That's fine. Yeah. K? Yep. So it's an extra couple of $100 for the year. Once that's done, we can get that canceled. Yep. No problem. Yeah.","start_word":1562,"end_word":1787,"sentiment":"neutral","sentiment_score":0.06271132600979995},{"text":"Perfect.","start_word":1788,"end_word":1788,"sentiment":"positive","sentiment_score":0.5578556060791016},{"text":"I've just included the comparison at the bottom of page 50 sorry, 22 Mhmm. just so you can see all the providers that we looked at and the estimate of the loadings and exclusions there.","start_word":1789,"end_word":1823,"sentiment":"neutral","sentiment_score":0.11446202546358109},{"text":"Cool. That's great. Thank you. Cool.","start_word":1824,"end_word":1829,"sentiment":"positive","sentiment_score":0.5756698846817017},{"text":"Any questions so far? Nope. All good. Cool. With the new life policy, we do need to put in place, obviously, a beneficiary for who receives that life insurance. Mhmm. We basically send the forms through. If you need any help, just call through, and Michelle and the team can walk you through it pretty easily. Do you want us to post them out with a return envelope, or are you okay to kind of print them off an email? I can print them off an email. Cool. That's As fine. long as you get that wet signs with a couple of I've witnesses, actually just got because one it's here. I've is actually that got the beneficiary nomination form. I've got one and I still there, and I just need someone to witness my signature. I've had it here for about twelve months. oh, no. I can't maybe I just that's all I need to do, isn't it? Yeah. That's So it. that one, is that a Hub 241? I think it was printed off from my house. When we had our wills done, the lawyer, she she printed it off. So it's, yeah, mailed to Hub 24 Super GPO Box 529 Sydney, New South Wales. Oh, wow. Yeah. It I've got it done. I've got it done. I just need Just needs to to be post a witness. it. I just need to witness. Yeah. Yeah. Which maybe Yeah. I'll do So this weekend. that'd be good. I'll double check with the team because when they update their beneficiary forms, they tend to void the previous ones.","start_word":1830,"end_word":2098,"sentiment":"neutral","sentiment_score":0.03958297520875931},{"text":"So I don't want you to send that off if it's too old and then they decline it.","start_word":2099,"end_word":2116,"sentiment":"negative","sentiment_score":-0.5167418718338013},{"text":"Well, the it has been witnessed. Why haven't I sent it? It has I don't been know, witnessed. Kelly. So it's no. No. It's a rhetorical question, not purely to answer. But no. The the lawyer, she witnessed it, and, also, there was two witnesses. I've got signed on this, but it's in 2025, like, literally a year ago. Amazing. Okay. That might what be out of date. I have seen that come across the last Yep. few months. So Yep. just in case, I Yep. will send a hub and a TAO one together. Okay.","start_word":2117,"end_word":2212,"sentiment":"neutral","sentiment_score":-0.10535254329442978},{"text":"Cool.","start_word":2213,"end_word":2213,"sentiment":"positive","sentiment_score":0.35153645277023315},{"text":"That's fine. Yep.","start_word":2214,"end_word":2216,"sentiment":"neutral","sentiment_score":0.31647789478302},{"text":"Perfect.","start_word":2217,"end_word":2217,"sentiment":"positive","sentiment_score":0.5767919421195984},{"text":"Alrighty. Outside of that, so with any insurance policies, so because they're all retail providers, every insurer pays us as advisers a 66% of the first year's premium to get the policy in place and Mhmm. 22% ongoing to manage, like, claims advice and things like that. So if you Yes. get injured, we'll help you through the claims process, help make the money last, all that kind of thing. So that's Mhmm. disclosed at the bottom there just underneath with the advice fees that we're getting through the super. Mhmm. Cool. With this document, so, basically, if you're happy with the plan, we sign the authority to proceed on this document. There's also an appendix in there, which is just background research, a quote for the insurer, Mhmm. and just a couple of product documents as well. So PDFs and the like. Those total close to 2,000 pages. So when it comes to the Odoo system, you don't have to scroll through the whole lot. You can pretty much just click next document once you get through each one, and it will skip ahead. Okay. Okay. Just gonna double check this quote here, make sure that's all current. I believe it is. The next step from here, we pretty much have a lot of information you've already given us from that pre Mhmm. assessment, and we've got the quotes and everything. Can I get you booked in to go through the application with the the implementation team? Yeah. That's fine.","start_word":2218,"end_word":2468,"sentiment":"neutral","sentiment_score":0.10517589658854969},{"text":"Cool.","start_word":2469,"end_word":2469,"sentiment":"positive","sentiment_score":0.5281809568405151},{"text":"I'll bring up their calendar. Is there a good day and time next week potentially? Probably not next week because I've got my family here. Can we do the week after? Absolutely. I will just bring Probably, up the phone. let's just go holiday. So it might be on the third or the twenty third after 12PM.","start_word":2470,"end_word":2526,"sentiment":"neutral","sentiment_score":0.08632073551416397},{"text":"Perfect.","start_word":2527,"end_word":2527,"sentiment":"positive","sentiment_score":0.3688408136367798},{"text":"And I'll just quickly double check. Do I need to worry about No. daylight savings? No. New South Wales, no daylight savings. Perfect. Mhmm. So just after twelve on Thursday, the twenty third. Yep. That'd be Yep. fine. Yep.","start_word":2528,"end_word":2566,"sentiment":"neutral","sentiment_score":0.05436602607369423},{"text":"Perfect.","start_word":2567,"end_word":2567,"sentiment":"positive","sentiment_score":0.3635968267917633},{"text":"So I usually set aside an hour for that. It doesn't usually take that long. It's just in case if there's extra details that are needed or any questions that you might have, but it usually takes about half an hour. Yeah. That's fine.","start_word":2568,"end_word":2611,"sentiment":"neutral","sentiment_score":0.13998645544052124},{"text":"Perfect.","start_word":2612,"end_word":2612,"sentiment":"positive","sentiment_score":0.4214949309825897},{"text":"Alright, Kelly. Any questions for me on any of the advice or additional documents at this point? No. Cool. Alrighty.","start_word":2613,"end_word":2632,"sentiment":"neutral","sentiment_score":0.1231665462255478},{"text":"Well, that is nice and easy. I've got all of that ready for you to to sign.","start_word":2633,"end_word":2649,"sentiment":"positive","sentiment_score":0.4567164182662964},{"text":"Got you booked in on 12:00 or just after on the twenty third. We'll get the beneficiaries sent out to you. Basically, I guess, the way is do the application. As soon as the policy is ready to go, we'll send all the documents out Mhmm. to the email. And then once we get the authority to proceed from this statement of advice, we can pretty much just hop on and switch the investments on hub pretty quickly. Okay. No problem. Amazing. So Well, do if there's I start no this yep. now or wait Yeah. through it? If you're comfortable with it, but Yep. definitely have a read through if you wanna make sure beforehand. Yep. Oh, well, yep. Yep. And any questions, just give us a buzz, but I will leave that one with you.","start_word":2650,"end_word":2786,"sentiment":"neutral","sentiment_score":0.13861100049349517},{"text":"Alright. Wonderful. Thanks for your time. Awesome, Kelly. Have a fantastic week, and we'll talk to you on the twenty third. Will do. Thank you. Thank you. Bye bye. Thank you.","start_word":2787,"end_word":2817,"sentiment":"positive","sentiment_score":0.6802120208740234},{"text":"Bye.","start_word":2818,"end_word":2818,"sentiment":"neutral","sentiment_score":0.33237501978874207}],"average":{"sentiment":"neutral","sentiment_score":0.10745714437033492}}}}