{"metadata":{"transaction_key":"deprecated","request_id":"01a0d0fd-669d-7e83-a212-15fda0e1ed73","sha256":"e937c2120609c818b5850299a85299f4256bc406acb61424995db077e30c856c","created":"2026-09-24T01:17:47.483Z","duration":2856.888,"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":8060,"output_tokens":110},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8997,"output_tokens":9014},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8997,"output_tokens":863}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Lee. This is Jenna Phoning from Oakview Financial. How are you today? I'm really well. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Wonderful. And can I please ask for your client password? I have a prompt for you, your childhood dog. There you are. Thank you so much, Lee. You're absolutely welcome. So today, we just have scheduled your annual review and to talk about some options investment options that you spoke previously about with Veronica. Do you have time to do that now? That's Absolutely fine. Well, what I might do is before we start is I just wanna see and check-in with you if there's been any significant financial or personal changes for you? No. So I note that there's been some well, we all know that there's been some mortgage rate increases. Are they impacting you financially? Are you managing? Yeah. Okay. So your mortgage is sitting at 1.1. Is that correct still? Yep. Okay. And do you know what your mortgage repayment is? 1,900 a week. Okay. Okay. $17.70 and then 200 to a credit card. Okay. How much is outstanding on your credit card? Okay. K. I'll just make some notes of that as I go. Okay. So I don't have to ask you again when we get to that section. You're absolutely fine. So with your income and Timothy's income, I've got yours noted as 63,180. Would that be correct? Yeah. You're absolutely fine. 71. Okay. Okay. And do you know what Timothy is on? What his income is? Yep. Okay. Okay. And we have your expenditure, so outside of debt repayments, being 1,150 a week. Would that still that would be like your living expenses. So groceries, other bills. Yeah? Okay. And I've got a note here that any savings just goes into your off offset account. No. That's okay. I I understand. Do you know what your balance in your offset account is? Yeah. Okay. That's alright. Okay. No worries at all. Okay. And you are still in North Narrabeen? Yep. Fantastic. And your children, Kobe and is it Kiani? That's a lovely name. How old are they now? Because this I have Kobe as 16 and Kiani as 14. Is that right? Oh my gosh. What an exciting time. It goes so fast, doesn't it? I do. I have a 10 year old daughter and a seven year old son. So it goes fast, and they're driving me a bit bonkers this week. It'll last week at school. They're a bit tired and cranky, but, hopefully, they they they are back over the holidays, become my normal children again. Sometimes where I can, I try and save as much for Christmas so we can do stuff over the bigger break? But I'm I'm fortunate enough to have work on on a couple of days a week. We work from home in the office. So I'm I get to see them, like, in fortunate. With your occupation, I have office administration as a bookkeeper at a gym. Is that right? No? Okay. Everest Electrical. Yep. Okay. Okay. Right. And I had that that's what that figure is there. It's about 14,400. A year? Yes. No. Do you have any yep. Okay. Okay. And that says a personal trainer? Or a bookkeeper. Yeah. Yeah. Okay. Beautiful. Alright. So you're not making any additional contributions to super besides the 12%. Is that right? No. That's okay. These are just little questions I've just run through to check. And we have a motor vehicle, a Toyota Kluger, valued at about 20,000. Fantastic. That's great. Thank you. Any other asset or liabilities that you can think of? Okay. Is that tax? Or okay. Yeah. Okay. And that was 17,000, you said? 18? Yeah. And how much do you pay off that regularly? Okay. So Not not out of your personal. No. Okay. Alright. Have you ever been declared bankrupt or had a debt agreement? No. And I have you here as a nonsmoker. Is that right? Yeah. And do you have any significant health issues or take any medication? Yeah. Yeah. That's yep. I understand. Do you have a will and a power of attorney? Yes? I understand. I understand. What I can do, if you like, is I can send you just through a brochure for someone that we partner with. They're very reasonably priced compared to what I've seen in my time when you see lawyers charge for these. It might be that it's a very simple will that just needs to be replaced, but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide, and it's pretty straightforward. You can do it all virtually like we do. And it's it's usually a pretty quick process if you wanna look into that, which we would definite at least you've got a will. Yeah. At at least you've got one. Yeah. So your will doesn't actually expire or anything like that, and it doesn't deal with assets specifically. It's more where you want your estate to go and your wealth to go in the event of your passing. So if it was set up to go to Timothy, it would still go to Timothy. The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad. Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's how how your wish is followed. So it's probably worth doing. I'll send you through that brochure anyhow so you and Timothy can have a look at it. Do you have a power of attorney? No? People tend to think that that's how it works. What happens is is a power of attorney covers you if you're unable to make decisions for yourself. So it might be you've suffered a medical event and you're unable to make a decision. It relates to health decisions and financial decisions. So an example would be if you are unable to make a decision or or speak with us. A perfect example would be, and, Timothy needed to ring up and claim an insurance policy or see if he can access your super to pay for medical expenses, we're actually legally not allowed to talk to him without that document. Yes. And the same goes for him. So you wouldn't legally be able to do anything. So if if, for example, you have in individual bank accounts, you the bank won't speak to you. Yeah. Yep. Power of attorney. Yeah. Now well, it's not it's not yeah. So a power of attorney isn't really linked to passing away. It's nominating somebody that you trust to make decisions on your behalf while you're alive if you are unable to do so. So it could be health decisions even. So an example, an absolute horrible example would be a decision to turn off life life support, or it might be that yourself or Timothy are in aged care and diagnosed with, let's just say, dementia, for example, and you're unable to make decisions. So that document would allow that person to act on your behalf. So my own, for example, is my husband, and then if he's unable to act, it would be my sister. So you're allowed to have you can nominate several. And, you know, you can even it can even get a specific to you want someone specifically to make health decision for you and someone else to make financial decisions. State government departments, like, public trustees. You can go through, like, state government departments, like, public trustees. You will wait a little while likely to get in. And they what typically, how they charge is a percentage from the estate, so it's free to set up. But they'll take a percentage of the estate when the worst does end up happening. So I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer. So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too. So you can have them both set up in the one with the one in the one place. No. That's absolutely fine. Okay. I'm gonna touch quickly on your goals and objectives that we have on file from last time. One of them was that you would love to travel to The UK next Christmas as you have family there and then go to Greece to spread your father in law's ashes. Did you achieve that? Okay. For yep. Okay. Okay. So okay. So should I add on all The Caribbean? Okay. Okay. 2027. Fantastic. I also have that you need to finish the renovations at Home and need to about 100,000 to do this. Is that still something that you are working towards? Yep. Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and yep. Okay. Yeah. I think this is a retirement goal one. Sorry. There's no link here for me to see. But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel. Is that now, like, a current lifestyle goal now, or is that more to so that's now? Yep. Okay. Yeah. Yeah. I understand that. With your superannuation, you've said that you wanna be in a strong performing platform with good investments for growth and active management to try and mitigate losses where possible. Is that still relevant? With your super rate superannuation fund, it says that you wanna be in a strong performing platform with good investments for growth and active management, retirement goal, I have you wanting to retire between the ages of 60 to 65 years old with an income of 2,000 per week. Yeah? Is that 2,000 for you and Timothy? Yeah. Mhmm. Yeah. Uh-huh. Yep. Per week. Okay. Combined with mortgage. The paid. I guess with the that probably leads me into a different question or a different conversation as well. With your home and the long term plans, with the kids getting older, What is yours and Timothy's plans with the home? Would you be looking to downsize at any point in time? Would you be what have you thought about those types of Yep. Yep. Okay. And is Timothy self employed? Sorry. I just don't know much about Timothy from these notes. I'm just trying he is. Okay. So his income, you said, is about 71, around the same as yours. Does he get any additional income of any additional income of any sort? Yep. Yep. Okay. No worries. Okay. Alright. So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what we if there's anything that we can do or action to assist. So I'll leave those there. Outside of those goals and objectives, is there anything else that you're wanting to achieve in the next short to long term? Yep. Yeah. Understand. Understand. Okay. So with your insurances, you have life TPD and income protection. That's through your superannuation fund that's paid for. And your life insurance and TPD sum insured is just over 1,500,000. So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries. Is that how is is that are you happy with that level of cover? Did you need to increase it? Yep. Mhmm. Yep. Okay. So on that note, we have your beneficiary nominations for your super and your life insurance being 50% to Timothy and 25% to Kobe and 25% to Kiani. Did you want to leave them that way, or did you want to have Timothy as the beneficiary so the debts repaid? What was he'll get half of your superannuation balance and half of your life insurance proceeds. So what that's another thing with a will. Now that your one of your children is 18 and the other one is 18 in twelve months' time, when funds are paid from when adult children are a beneficiary of a superannuation fund, they pay it is they pay tax. There's a taxable element on it. With Timothy, it's tax free because he's your spouse. And any tax any tax to Tim would be minimal as opposed to your adult children. So that that's how as well your will will link into this. If it goes to Tim Timothy, sorry, then the will would then dictate what happens with the remainder of the estate. So if you do your wills in conjunction with each other, if one of you pass first, usually, most couples' wills are mirrored. Yes. Yeah. I can make, yeah, I can make those we'll get some forms sent out for you to sign. That would they do need to be signed. So we'll do we'll make that an action item post this meeting. Alright. So I've done that. What I'm gonna do now, Lee, is do you have access to your emails at all? Yeah. I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there. So when you receive that email, the option is sign documents. If you just click on that, that's gonna open up the documents. You're not signing anything at the moment. We're just gonna talk through them, and then we'll go from there. Okay. Lovely. So let me know when you've got those documents open. Fantastic. So the first document you should see is a summary of your super and insurance. So you will note it's dated as of the August 26. So that was when our our original appointment was. So I do apologize for it being probably nearly a month down. No. No. No. I completely understand. I like I like flexibility. So if we can be flexible, that's always the goal with our client. So it's showing that then your balance was sitting at about a $195,877 rounded up. And then as I mentioned earlier, your life and TPD insurance, your sums insured. And you also have an income protection policy, which will cover you for $3,788 a month if you're unable to work due to injury or illness. Now that is calculated as 70% of your taxable income. So but you're some insured. So I am just checking to make sure that we're pretty on par with that. Yep. Okay. So the maximum sum insured you can get is $4,141 a month. I would definitely not recommend getting rid of it. The reason being is it is usually one of the main policy it is the most policy that's claimed upon. And given that if you were unable to work due to injury or illness, you would have no source of income. So that financial stress of mortgage repayments and debt repayments is only gonna compound. At least this way, you have some level of protection. Yeah. It I totally understand. So your superannuation fund is paying for that premium. At the moment, it's not coming out of your personal cash flow. That I would strongly recommend def definitely not canceling it. It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in the event of repaying debt and those types of things because you'd be solely relying on Timothy's wage then. Yeah. So I can look at I can look at bumping it up to a maximum of $4,141 a month if you want me to. You'd have to go through underwriting. So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires. That process would need to occur for that increase. And okay. Okay. It is. It is. But the option at least you know the options there. So if you do have a think about it and you change your mind, you just phone back or send an email, whatever, and I'll get in contact with you again. The that's okay. And then the next policy you have down is a trauma policy with a small life policy attached, and that's costing you $19.02 per month, and that does come from your personal cash flow. So that's deducted from most likely a bank account or a credit card. Fantastic. Alright. So what so the reason why the life is attached to the trauma, believe it or not, if you purchase trauma on its own, the premium is significantly higher. If you attach a life policy that is a smaller that matches the amount of the trauma policy. It actually discounts it. Very backward way of doing it, but they do it. So what so, basically, what it means is you've got an additional life insurance there of $54,838. So what life buyback means is if if you do claim on that trauma policy, if you are diagnosed with a specific illness or diagnosis, you do have the ability to buy that life insurance, some insured back after a twelve month period. That's what that means. That's that's absolutely fine. The next document is your performance report, so for the last twelve months. The first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund. You'll see some negative figures. The bet yes. Yes. So the Bennelong Australian Equities Fund, our our investment committee as approach is not to be reactive to negative performance because the market does have its ups and downs. Yep. Yep. When things become, let's call it systemic or long term, that's when we start to review specific funds. So the Australian share market itself has not performed badly in the last twelve months. I mean, we've had a bit of a fluctuation in the last couple of weeks, but over the long term, they the Australian share market's done pretty well. The the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth. So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued. So then along their investment mandate just hasn't, you know, hit hit the mark for them. So what we're doing is as a company and and in our investment committee, we're looking at replacing Ben along with alternative suit suitable alternative if clients are happy for us to look at that for them. Well, we're just yeah. No. We're here to partner with you and just educate. I think education is the most important thing. We definitely are here in the background to make sure the portfolios are structured the way that they should be. But I also like to educate clients along the way as to why we're thinking certain things because it does provide a level of comfort and understanding. Yep. The other there's two other funds in this portfolio that I wanna just touch on briefly as well. The the second one is the Beta Bank hybrid fund. That's the second one down. Nothing wrong with that fund at all, but the Australian banking system is phasing out the hybrid options from January 2027. What I've been doing with the clients I'm working with is proactively reviewing these. I don't have a crystal ball, and I don't know what's gonna happen to these hybrids or how they're gonna be valued come January 20 '27. So what I'm doing is I'm working with clients to look at reviewing for alternative options, getting a little bit more proactive in that approach because I just don't know what's gonna happen there. Yep. And then thank you. And then the bottom one is the Vanek Vanek Property ATS Fund. Underperformance in the last short term, but the property market is pretty volatile at the moment given the interest rates, not just in Australia, but America, the the world. But yeah. There is. There is. So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there. So if you're happy for me to do that, I'd like to review those three funds. Is that okay? That's perfect. Thank you. But overall, the portfolio still didn't do too bad, to be honest with you. Over the last twelve months, it returned a 6.07% return. So with Bennelong being in there, that's actually surprising to me. I've seen some much lower returns, to be completely honest with you. So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio. The next document over is an education tool I'd just like to talk through briefly. It's the Vanguard index chart. You are presently invested as a growth investor. What that means is down the right hand side of this page, you'll see the top four assets being US shares, Australian shares, international shares, and listed property. They're your growth they're your growth assets. So in a gross risk profile, we typically have about 80% of your funds invested across those four sectors. And then the remaining 20% is invested along across the defensive assets being your bonds, cash, and fixed interest. So with a growth portfolio, we do expect to see about seven to a 9% return per annum. And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame. So given that you have nineteen years no. Sorry. Not nineteen years. Sorry. I am really bad at math today. You have eleven years until you're actually able to access super, so your preservation age is 60. You do have time on your side to hold that gross risk profile if you feel comfortable, or or you could even potentially look at upping some of that exposure to growth to see if you can get some more growth opportunities. It's simply a, what I like to call a sleep at night test. If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested. Yeah. So you're happy to maintain that eighty twenty split, have 80 across those top four where you see a lot more volatility, but over the long term growth? Okay. Alright. Lovely. The next two documents are your certificates of currency from MetLife. So what these documents are showing you is that your insurance policies are enforced and who your beneficiaries are, which we will have that updated for you to be Timothy. And then the next document over is our financial services guide. So what that is is a legal document that we provide to clients. It explains who we are, the type of advice we're allowed to give, how we give it, an overview of our fee structure, and importantly, if you're unhappy with any advice or services you receive, the complaint's processed. And then the last document is your ongoing service agreement. So this is the fee that we charge you, and that's from your superannuation fund. And we it's a fixed fee. So previously, it was a percent based fee, which means each month that changed depending on the balance of the superannuation fund. So in a good month, we'd get paid more, and in a bad month, we'd get paid less. We don't think that that's fair or reasonable to a client or very transparent. So what we've done is we're working through fixing client fees at the present moment to provide transparency and consistency in the in knowing what you're being charged. So just because a portfolio performs well, that doesn't mean that we should be paid more. It's just so we've changed the fee structure to reflect the fixed fee. So you'll see on that document, the annual fee is $3,362.73 per annum. That's then broken down and divided by 12 and deducted monthly from your super fund, which equates to approximately $280.23 per month. Now what that covers is your ongoing reviews with us. For example, the the time and the changes that I'm gonna research and investigate to update your portfolio. Investigate to update your portfolio. You're not also limited to just one review per year. If you like I mentioned earlier, if you if you need to reach out for anything in relation to seeking advice, you just pick up the phone and do so. And that and that's your your fee is for that service, for us to be available for you to you. So any any questions about any of those documents? No? Oh, thank you. So I'm my action items from here is I'm gonna get some forms issued to you to change your beneficiary. Do you have access to a printer, or would you like me to post them? Okay. Alright. Well, I'll get those emailed out to you along with the estate planning brochure for you and Tim to have a look at. With your review frequency, are you happy to keep that as an annual review? Yeah. Okay. And the only other option that I did have here to talk to you about from a conversation with Veronica is that you she did mention that you looked at, SMAs. So that's a type of investment option held in superannuation, where the portfolio is invested, but changes are done in the background by the investment committee with when chain when changes need to be made. SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that? But what an SMA does is it just it provides more flexibility for quick changes should they need to be made by the investment committee and the transparency. So when you log in, for example, in your hub account, instead of seeing those listed investment funds, you will own certain shares within those funds that will be applicable to you within your super annuation fund. Property? Let let okay. Let me have a quick sticky beak this other option. Yeah. It just said SMA, but we can definitely talk about property if that's something that you wanted to talk about. Be be yeah. I understand. Yeah. I understand completely. Alright. So I'm gonna probably reach out in I can probably book it in now if you have time for about two weeks' time so I can just present the changes to you to make to that superannuation fund. Would that be okay? Yeah. Did you have any afternoon availability at all on that day? It doesn't have to be the eight on the dot. It could be just sometime that week if you like. I can I can be pretty flexible with timing? Yes. Of course. Okay. Do you want around the same time that we did this morning on Thursday, the fifteenth? Okay. Fantastic. I'll book that in, and I'll send you through a calendar invite so you've got that. Oh, no, Lee. I completely understand. The financial stress that everyone's experiencing at the moment is it it's widespread. And yeah. Yeah. I'm sorry that we can't do anything further with that. It was lovely just oh, anytime. It was lovely to speak with you, and I look forward to speaking to you again in a few weeks. Enjoy your day. You too. Bye. Bye.","confidence":0.99902344,"words":[{"word":"hi","start":3.1999998,"end":3.4399998,"confidence":0.99560547,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.15306216478347778},{"word":"lee","start":3.4399998,"end":3.84,"confidence":0.87353516,"punctuated_word":"Lee.","sentiment":"neutral","sentiment_score":0.196384459733963},{"word":"this","start":3.84,"end":4.0,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.2160547971725464},{"word":"is","start":4.0,"end":4.16,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20792171359062195},{"word":"jenna","start":4.16,"end":4.48,"confidence":0.7519531,"punctuated_word":"Jenna","sentiment":"neutral","sentiment_score":0.21249175071716309},{"word":"phoning","start":4.48,"end":4.7999997,"confidence":0.7305908,"punctuated_word":"Phoning","sentiment":"neutral","sentiment_score":0.18469616770744324},{"word":"from","start":4.7999997,"end":5.04,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.20546673238277435},{"word":"oakview","start":5.04,"end":5.54,"confidence":0.8815918,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.18060991168022156},{"word":"financial","start":5.68,"end":6.16,"confidence":0.99853516,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1916656196117401},{"word":"how","start":6.16,"end":6.3199997,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.23671093583106995},{"word":"are","start":6.3199997,"end":6.48,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23198950290679932},{"word":"you","start":6.48,"end":6.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2540140151977539},{"word":"today","start":6.64,"end":7.14,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.250548392534256},{"word":"i'm","start":13.135,"end":13.615,"confidence":0.9309082,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4780710339546203},{"word":"really","start":13.615,"end":13.935,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5152421593666077},{"word":"well","start":13.935,"end":14.335,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.508286714553833},{"word":"thank","start":14.335,"end":14.575001,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.59128338098526},{"word":"you","start":14.575001,"end":15.075001,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.499629020690918},{"word":"just","start":15.135,"end":15.455,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1267576962709427},{"word":"before","start":15.455,"end":15.775001,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.06555138528347015},{"word":"i","start":15.775001,"end":15.8550005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08189848810434341},{"word":"go","start":15.8550005,"end":16.095001,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11795024573802948},{"word":"any","start":16.095001,"end":16.335,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09483494609594344},{"word":"further","start":16.335,"end":16.835,"confidence":0.99853516,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.03413380682468414},{"word":"i","start":17.135,"end":17.375,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020160719752311707},{"word":"just","start":17.375,"end":17.615,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04430421814322472},{"word":"need","start":17.615,"end":17.775,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.04571405053138733},{"word":"to","start":17.775,"end":17.855,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05586507171392441},{"word":"let","start":17.855,"end":18.015,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.058456286787986755},{"word":"you","start":18.015,"end":18.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05948209762573242},{"word":"know","start":18.175,"end":18.335,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05722389370203018},{"word":"that","start":18.335,"end":18.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03929882496595383},{"word":"our","start":18.655,"end":18.815,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03937318176031113},{"word":"calls","start":18.815,"end":19.215,"confidence":0.99902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.06785529851913452},{"word":"are","start":19.215,"end":19.535,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06586680561304092},{"word":"recorded","start":19.535,"end":20.015,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.08907455205917358},{"word":"for","start":20.015,"end":20.175,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05082123726606369},{"word":"quality","start":20.175,"end":20.575,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.07211125642061234},{"word":"and","start":20.575,"end":20.735,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04671601206064224},{"word":"coaching","start":20.735,"end":21.215,"confidence":1.0,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.1056464910507202},{"word":"purposes","start":21.215,"end":21.695,"confidence":1.0,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.05347107723355293},{"word":"is","start":21.695,"end":21.855,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05196869373321533},{"word":"that","start":21.855,"end":22.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08569791913032532},{"word":"okay","start":22.015,"end":22.515,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.05665401369333267},{"word":"wonderful","start":25.375,"end":25.875,"confidence":0.9995117,"punctuated_word":"Wonderful.","sentiment":"neutral","sentiment_score":0.3201470375061035},{"word":"and","start":26.46,"end":26.96,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08281759172677994},{"word":"can","start":27.019999,"end":27.34,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0660676509141922},{"word":"i","start":27.34,"end":27.5,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07149368524551392},{"word":"please","start":27.5,"end":27.9,"confidence":0.99902344,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.05965879186987877},{"word":"ask","start":27.9,"end":28.22,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.06823904812335968},{"word":"for","start":28.22,"end":28.38,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06447441130876541},{"word":"your","start":28.38,"end":28.539999,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027226977050304413},{"word":"client","start":28.539999,"end":29.019999,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.0581221729516983},{"word":"password","start":29.019999,"end":29.519999,"confidence":0.9951172,"punctuated_word":"password?","sentiment":"neutral","sentiment_score":0.04008757323026657},{"word":"i","start":36.14,"end":36.46,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030252717435359955},{"word":"have","start":36.46,"end":36.62,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0195972491055727},{"word":"a","start":36.62,"end":36.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02044479176402092},{"word":"prompt","start":36.78,"end":37.1,"confidence":0.99902344,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.026154551655054092},{"word":"for","start":37.1,"end":37.26,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.020368479192256927},{"word":"you","start":37.26,"end":37.42,"confidence":0.85131836,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.04024842381477356},{"word":"your","start":37.42,"end":37.66,"confidence":0.40307617,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03752599656581879},{"word":"childhood","start":37.66,"end":38.16,"confidence":0.9951172,"punctuated_word":"childhood","sentiment":"neutral","sentiment_score":0.0322728157043457},{"word":"dog","start":38.22,"end":38.565,"confidence":0.99121094,"punctuated_word":"dog.","sentiment":"neutral","sentiment_score":0.04190872237086296},{"word":"there","start":41.684998,"end":41.844997,"confidence":0.99902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.11216961592435835},{"word":"you","start":41.844997,"end":42.085,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13633950054645538},{"word":"are","start":42.085,"end":42.405,"confidence":1.0,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.1214248389005661},{"word":"thank","start":42.405,"end":42.565,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.46917724609375},{"word":"you","start":42.565,"end":42.965,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5040881633758545},{"word":"so","start":42.965,"end":43.204998,"confidence":0.9013672,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.577395498752594},{"word":"much","start":43.204998,"end":43.684998,"confidence":0.9980469,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.5248449444770813},{"word":"lee","start":43.684998,"end":44.184998,"confidence":0.9421387,"punctuated_word":"Lee.","sentiment":"positive","sentiment_score":0.501598596572876},{"word":"you're","start":46.484997,"end":46.725,"confidence":0.98217773,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.39999479055404663},{"word":"absolutely","start":46.725,"end":47.204998,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.43461331725120544},{"word":"welcome","start":47.204998,"end":47.704998,"confidence":1.0,"punctuated_word":"welcome.","sentiment":"positive","sentiment_score":0.39040589332580566},{"word":"so","start":48.725,"end":49.225,"confidence":0.92333984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1045752689242363},{"word":"today","start":49.445,"end":49.945,"confidence":0.92871094,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.05930408462882042},{"word":"we","start":50.085,"end":50.324997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0633251816034317},{"word":"just","start":50.324997,"end":50.565,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08977216482162476},{"word":"have","start":50.565,"end":50.88,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.053194887936115265},{"word":"scheduled","start":51.120003,"end":51.36,"confidence":0.9970703,"punctuated_word":"scheduled","sentiment":"neutral","sentiment_score":0.09657996147871016},{"word":"your","start":51.36,"end":51.84,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07387588918209076},{"word":"annual","start":51.84,"end":52.34,"confidence":0.9394531,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.09279066324234007},{"word":"review","start":52.4,"end":52.9,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08337274938821793},{"word":"and","start":53.2,"end":53.52,"confidence":0.9633789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04742828756570816},{"word":"to","start":53.52,"end":54.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0644569918513298},{"word":"talk","start":54.0,"end":54.32,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1027122288942337},{"word":"about","start":54.32,"end":54.64,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06160671636462211},{"word":"some","start":54.64,"end":54.96,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05227326601743698},{"word":"options","start":54.96,"end":55.46,"confidence":0.99609375,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.056289367377758026},{"word":"investment","start":55.68,"end":56.16,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.059689316898584366},{"word":"options","start":56.16,"end":56.48,"confidence":0.9980469,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.04232550412416458},{"word":"that","start":56.48,"end":56.64,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.041807807981967926},{"word":"you","start":56.64,"end":56.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03374608978629112},{"word":"spoke","start":56.96,"end":57.28,"confidence":0.99902344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.05923115462064743},{"word":"previously","start":57.28,"end":57.760002,"confidence":1.0,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":0.05273035541176796},{"word":"about","start":57.760002,"end":58.0,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05348057299852371},{"word":"with","start":58.0,"end":58.32,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07726982235908508},{"word":"veronica","start":58.32,"end":58.82,"confidence":0.9916992,"punctuated_word":"Veronica.","sentiment":"neutral","sentiment_score":0.07348786294460297},{"word":"do","start":58.88,"end":59.04,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.030388427898287773},{"word":"you","start":59.04,"end":59.120003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03714236989617348},{"word":"have","start":59.120003,"end":59.36,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.035914257168769836},{"word":"time","start":59.36,"end":59.600002,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04691286012530327},{"word":"to","start":59.600002,"end":59.760002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0396057702600956},{"word":"do","start":59.760002,"end":59.920002,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.028340471908450127},{"word":"that","start":59.920002,"end":60.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03626115620136261},{"word":"now","start":60.16,"end":60.66,"confidence":0.9995117,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.027027355507016185},{"word":"that's","start":67.295,"end":67.795,"confidence":0.75683594,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1298380345106125},{"word":"absolutely","start":79.0,"end":79.32,"confidence":0.43237305,"punctuated_word":"Absolutely","sentiment":"neutral","sentiment_score":0.11434803903102876},{"word":"fine","start":79.32,"end":79.82,"confidence":0.8210449,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.06451399624347687},{"word":"well","start":80.04,"end":80.28,"confidence":0.9658203,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.031998369842767715},{"word":"what","start":80.28,"end":80.520004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03749995678663254},{"word":"i","start":80.520004,"end":80.68,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04183021932840347},{"word":"might","start":80.68,"end":81.0,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.05550966039299965},{"word":"do","start":81.0,"end":81.5,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05063854157924652},{"word":"is","start":81.72,"end":82.12,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04441205784678459},{"word":"before","start":82.12,"end":82.44,"confidence":0.5366211,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.05149177461862564},{"word":"we","start":82.44,"end":82.68,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.041902683675289154},{"word":"start","start":82.68,"end":83.08,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.04305189475417137},{"word":"is","start":83.08,"end":83.32,"confidence":0.8461914,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03479553014039993},{"word":"i","start":83.32,"end":83.48,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030762476846575737},{"word":"just","start":83.48,"end":83.72,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.024622106924653053},{"word":"wanna","start":83.72,"end":84.12,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.02496052160859108},{"word":"see","start":84.12,"end":84.62,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.019445884972810745},{"word":"and","start":85.240005,"end":85.560005,"confidence":0.8408203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019129503518342972},{"word":"check-in","start":85.560005,"end":85.880005,"confidence":0.9913737,"punctuated_word":"check-in","sentiment":"neutral","sentiment_score":-0.010572649538516998},{"word":"with","start":85.880005,"end":86.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.016164299100637436},{"word":"you","start":86.04,"end":86.200005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03183997422456741},{"word":"if","start":86.200005,"end":86.36,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0381871797144413},{"word":"there's","start":86.36,"end":86.600006,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.048829998821020126},{"word":"been","start":86.600006,"end":86.920006,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04893796890974045},{"word":"any","start":86.920006,"end":87.420006,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03635505959391594},{"word":"significant","start":88.12,"end":88.62,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.07547848671674728},{"word":"financial","start":89.0,"end":89.5,"confidence":0.99609375,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.07524407655000687},{"word":"or","start":89.560005,"end":89.64,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11032509058713912},{"word":"personal","start":89.64,"end":90.14,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.06631767004728317},{"word":"changes","start":90.68,"end":91.18,"confidence":0.98095703,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.08741724491119385},{"word":"for","start":95.284996,"end":95.365,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09879453480243684},{"word":"you","start":95.365,"end":95.445,"confidence":0.9753418,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.09548944234848022},{"word":"no","start":95.445,"end":95.945,"confidence":0.77319336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12367897480726242},{"word":"so","start":97.445,"end":97.765,"confidence":0.7270508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08014373481273651},{"word":"i","start":97.765,"end":97.845,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08926722407341003},{"word":"note","start":97.845,"end":98.085,"confidence":0.86035156,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.11228512972593307},{"word":"that","start":98.085,"end":98.405,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10345852375030518},{"word":"there's","start":98.405,"end":98.725,"confidence":0.9975586,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1030147671699524},{"word":"been","start":98.725,"end":98.965,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08123403042554855},{"word":"some","start":98.965,"end":99.465,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.10003092139959335},{"word":"well","start":100.805,"end":100.965,"confidence":0.8737793,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.12054623663425446},{"word":"we","start":100.965,"end":101.125,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12017681449651718},{"word":"all","start":101.125,"end":101.284996,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1074715405702591},{"word":"know","start":101.284996,"end":101.524994,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13121582567691803},{"word":"that","start":101.524994,"end":101.604996,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10528923571109772},{"word":"there's","start":101.604996,"end":101.845,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.10339494794607162},{"word":"been","start":101.845,"end":102.005,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08888610452413559},{"word":"some","start":102.005,"end":102.165,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0959673821926117},{"word":"mortgage","start":102.165,"end":102.645,"confidence":0.9863281,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.14352910220623016},{"word":"rate","start":102.645,"end":102.965,"confidence":0.9980469,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.16227760910987854},{"word":"increases","start":102.965,"end":103.465,"confidence":0.9975586,"punctuated_word":"increases.","sentiment":"neutral","sentiment_score":-0.14597371220588684},{"word":"are","start":103.524994,"end":103.685,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.1351398080587387},{"word":"they","start":103.685,"end":104.185,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14733640849590302},{"word":"impacting","start":105.170006,"end":105.57,"confidence":1.0,"punctuated_word":"impacting","sentiment":"neutral","sentiment_score":-0.14643487334251404},{"word":"you","start":105.57,"end":106.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13517656922340393},{"word":"financially","start":106.05,"end":106.55,"confidence":0.9980469,"punctuated_word":"financially?","sentiment":"neutral","sentiment_score":-0.13009920716285706},{"word":"are","start":107.01,"end":107.170006,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.109931580722332},{"word":"you","start":107.170006,"end":107.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12043188512325288},{"word":"managing","start":107.41,"end":107.91,"confidence":0.8195801,"punctuated_word":"managing?","sentiment":"neutral","sentiment_score":-0.13444969058036804},{"word":"yeah","start":115.170006,"end":115.490005,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05433978512883186},{"word":"okay","start":115.490005,"end":115.990005,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.009857079945504664},{"word":"so","start":116.130005,"end":116.37,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01500001922249794},{"word":"your","start":116.37,"end":116.61,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03452162444591522},{"word":"mortgage","start":116.61,"end":116.93,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.03249233588576317},{"word":"is","start":116.93,"end":117.225,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02820693701505661},{"word":"sitting","start":117.385,"end":117.885,"confidence":0.9980469,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.016626806929707527},{"word":"at","start":118.185,"end":118.345,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017484402284026146},{"word":"1.1","start":118.345,"end":119.225,"confidence":0.9923503,"punctuated_word":"1.1.","sentiment":"neutral","sentiment_score":-0.01514508482068777},{"word":"is","start":119.225,"end":119.384995,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.00003853067755699158},{"word":"that","start":119.384995,"end":119.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011938165873289108},{"word":"correct","start":119.625,"end":120.104996,"confidence":1.0,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.0009487569332122804},{"word":"still","start":120.104996,"end":120.604996,"confidence":0.9667969,"punctuated_word":"still?","sentiment":"neutral","sentiment_score":-0.022637560963630676},{"word":"yep","start":122.424995,"end":122.924995,"confidence":0.7277832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02470514178276062},{"word":"okay","start":123.064995,"end":123.564995,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019043223932385445},{"word":"and","start":124.185,"end":124.685,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.005690122023224831},{"word":"do","start":126.905,"end":127.065,"confidence":0.8642578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0070650167763233185},{"word":"you","start":127.065,"end":127.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00577162392437458},{"word":"know","start":127.225,"end":127.545,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.005995413288474083},{"word":"what","start":127.545,"end":127.865,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.012015722692012789},{"word":"your","start":127.865,"end":128.36499,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011969977989792824},{"word":"mortgage","start":129.785,"end":130.285,"confidence":0.9316406,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.013948388397693634},{"word":"repayment","start":136.27,"end":136.77,"confidence":0.99902344,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":0.0003228411078453064},{"word":"is","start":141.71,"end":142.21,"confidence":0.99853516,"punctuated_word":"is?","sentiment":"neutral","sentiment_score":-0.024329591542482376},{"word":"1,900","start":149.80501,"end":150.685,"confidence":0.95996094,"punctuated_word":"1,900","sentiment":"neutral","sentiment_score":-0.029158534482121468},{"word":"a","start":150.685,"end":150.845,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03990032523870468},{"word":"week","start":150.845,"end":151.345,"confidence":0.99560547,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.029784390702843663},{"word":"okay","start":152.285,"end":152.785,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.009868464432656763},{"word":"okay","start":160.26,"end":160.76,"confidence":0.87719727,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.009899689815938473},{"word":"$17.70","start":161.37999,"end":162.58,"confidence":0.9975586,"punctuated_word":"$17.70","sentiment":"neutral","sentiment_score":-0.014097951352596285},{"word":"and","start":162.58,"end":162.73999,"confidence":0.7998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01997974328696728},{"word":"then","start":162.73999,"end":163.06,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.01750057376921177},{"word":"200","start":163.06,"end":163.8,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.015689793974161148},{"word":"to","start":163.86,"end":164.01999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029289040714502335},{"word":"a","start":164.01999,"end":164.18,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02252591028809547},{"word":"credit","start":164.18,"end":164.5,"confidence":1.0,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.03021341748535633},{"word":"card","start":164.5,"end":165.0,"confidence":0.9970703,"punctuated_word":"card.","sentiment":"neutral","sentiment_score":-0.0225745290517807},{"word":"okay","start":166.98,"end":167.48,"confidence":0.98291016,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.004328619688749313},{"word":"how","start":168.01999,"end":168.26,"confidence":0.9980469,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.05374849587678909},{"word":"much","start":168.26,"end":168.5,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.09387780725955965},{"word":"is","start":168.5,"end":169.0,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07123996317386627},{"word":"outstanding","start":169.06,"end":169.56,"confidence":1.0,"punctuated_word":"outstanding","sentiment":"neutral","sentiment_score":-0.1136348620057106},{"word":"on","start":169.62,"end":169.78,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07061856240034103},{"word":"your","start":169.78,"end":170.01999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06347620487213135},{"word":"credit","start":170.01999,"end":170.34,"confidence":1.0,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.07797610014677048},{"word":"card","start":170.34,"end":170.595,"confidence":0.9980469,"punctuated_word":"card?","sentiment":"neutral","sentiment_score":-0.04383360967040062},{"word":"okay","start":178.515,"end":179.015,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.048851609230041504},{"word":"k","start":182.995,"end":183.475,"confidence":0.88134766,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.04597875475883484},{"word":"i'll","start":183.475,"end":183.635,"confidence":0.93969727,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07121893018484116},{"word":"just","start":183.635,"end":183.955,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0863705724477768},{"word":"make","start":183.955,"end":184.035,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10297960788011552},{"word":"some","start":184.035,"end":184.195,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07864495366811752},{"word":"notes","start":184.195,"end":184.515,"confidence":0.9921875,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.10189202427864076},{"word":"of","start":184.515,"end":184.595,"confidence":0.8671875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11928971111774445},{"word":"that","start":184.595,"end":184.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.099892258644104},{"word":"as","start":184.755,"end":184.91501,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.121651753783226},{"word":"i","start":184.91501,"end":185.075,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09454192966222764},{"word":"go","start":185.075,"end":185.575,"confidence":1.0,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.09929771721363068},{"word":"okay","start":185.66,"end":185.98,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10411414504051208},{"word":"so","start":185.98,"end":186.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08280575275421143},{"word":"i","start":186.06,"end":186.22,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10276099294424056},{"word":"don't","start":186.22,"end":186.38,"confidence":0.967041,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1126498207449913},{"word":"have","start":186.38,"end":186.54001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10475066304206848},{"word":"to","start":186.54001,"end":186.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06598396599292755},{"word":"ask","start":186.62,"end":186.78,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.020971104502677917},{"word":"you","start":186.78,"end":187.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.041326854377985},{"word":"again","start":187.02,"end":187.26,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.05053587257862091},{"word":"when","start":187.26,"end":187.34,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08104422688484192},{"word":"we","start":187.34,"end":187.42,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08744008839130402},{"word":"get","start":187.42,"end":187.58,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07641278952360153},{"word":"to","start":187.58,"end":187.74,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.098931185901165},{"word":"that","start":187.74,"end":187.90001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08926041424274445},{"word":"section","start":187.90001,"end":188.40001,"confidence":0.99658203,"punctuated_word":"section.","sentiment":"neutral","sentiment_score":0.07940034568309784},{"word":"you're","start":190.46,"end":190.62,"confidence":0.9572754,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.6741851568222046},{"word":"absolutely","start":190.62,"end":191.12,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6479766964912415},{"word":"fine","start":191.34,"end":191.74,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5462925434112549},{"word":"so","start":191.74,"end":192.24,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1508197784423828},{"word":"with","start":192.54001,"end":192.78,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1659390777349472},{"word":"your","start":192.78,"end":193.28,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1054532527923584},{"word":"income","start":193.9,"end":194.4,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14786241948604584},{"word":"and","start":195.58,"end":195.9,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07846890389919281},{"word":"timothy's","start":195.9,"end":196.4,"confidence":0.9980469,"punctuated_word":"Timothy's","sentiment":"neutral","sentiment_score":0.07227128744125366},{"word":"income","start":196.7,"end":197.2,"confidence":0.9909668,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0866960883140564},{"word":"i've","start":199.98,"end":200.22,"confidence":0.97802734,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06900676339864731},{"word":"got","start":200.22,"end":200.38,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06785508245229721},{"word":"yours","start":200.38,"end":200.7,"confidence":0.99902344,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.059424445033073425},{"word":"noted","start":200.7,"end":201.1,"confidence":1.0,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.09703756123781204},{"word":"as","start":201.1,"end":201.495,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.058041203767061234},{"word":"63,180","start":201.655,"end":203.89499,"confidence":0.9995117,"punctuated_word":"63,180.","sentiment":"neutral","sentiment_score":0.07358009368181229},{"word":"would","start":203.89499,"end":204.055,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.03763195499777794},{"word":"that","start":204.055,"end":204.295,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05258849263191223},{"word":"be","start":204.295,"end":204.53499,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0415322408080101},{"word":"correct","start":204.53499,"end":205.03499,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.05654723197221756},{"word":"yeah","start":221.36,"end":221.6,"confidence":0.857666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08029940724372864},{"word":"you're","start":221.6,"end":221.92,"confidence":0.99316406,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.18781623244285583},{"word":"absolutely","start":221.92,"end":222.42,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2007378488779068},{"word":"fine","start":222.56,"end":223.06,"confidence":0.99609375,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.13146956264972687},{"word":"71","start":228.8,"end":229.6,"confidence":0.9481201,"punctuated_word":"71.","sentiment":"neutral","sentiment_score":0.011448699049651625},{"word":"okay","start":229.6,"end":230.055,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02153090387582779},{"word":"okay","start":232.61499,"end":233.11499,"confidence":0.6661377,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01738135702908039},{"word":"and","start":233.73499,"end":234.055,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.008043603040277958},{"word":"do","start":234.055,"end":234.135,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0035553760826587677},{"word":"you","start":234.135,"end":234.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006850257515907288},{"word":"know","start":234.215,"end":234.45499,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.003268860280513763},{"word":"what","start":234.45499,"end":234.95499,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0008872076869010925},{"word":"timothy","start":235.33499,"end":235.81499,"confidence":0.9316406,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":0.00542135164141655},{"word":"is","start":235.81499,"end":235.97499,"confidence":0.51416016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.002177273854613304},{"word":"on","start":235.97499,"end":236.47499,"confidence":0.8125,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.00019536074250936508},{"word":"what","start":236.855,"end":237.17499,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.005010060966014862},{"word":"his","start":237.17499,"end":237.415,"confidence":0.99316406,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.00591497216373682},{"word":"income","start":237.415,"end":237.73499,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.00047587230801582336},{"word":"is","start":237.73499,"end":238.23499,"confidence":0.89941406,"punctuated_word":"is?","sentiment":"neutral","sentiment_score":-0.0016539758071303368},{"word":"yep","start":244.775,"end":245.275,"confidence":0.98779297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0293145552277565},{"word":"okay","start":245.415,"end":245.76,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02691483311355114},{"word":"okay","start":248.15999,"end":248.65999,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.024763070046901703},{"word":"and","start":248.79999,"end":249.04,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.016404472291469574},{"word":"we","start":249.04,"end":249.12,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01900584436953068},{"word":"have","start":249.12,"end":249.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02277585119009018},{"word":"your","start":249.28,"end":249.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015979459509253502},{"word":"expenditure","start":249.76,"end":250.26,"confidence":0.71484375,"punctuated_word":"expenditure,","sentiment":"neutral","sentiment_score":0.0183878093957901},{"word":"so","start":250.4,"end":250.72,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.010280624032020569},{"word":"outside","start":250.72,"end":251.12,"confidence":0.9980469,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.0229342021048069},{"word":"of","start":251.12,"end":251.43999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009072626009583471},{"word":"debt","start":251.43999,"end":251.76,"confidence":0.9970703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.0035300180315971375},{"word":"repayments","start":251.76,"end":252.26,"confidence":0.85091144,"punctuated_word":"repayments,","sentiment":"neutral","sentiment_score":0.007800051011145115},{"word":"being","start":253.59999,"end":254.07999,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.019023725762963295},{"word":"1,150","start":254.07999,"end":255.76,"confidence":0.99869794,"punctuated_word":"1,150","sentiment":"neutral","sentiment_score":0.01794883981347084},{"word":"a","start":255.76,"end":255.92,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015119300223886968},{"word":"week","start":255.92,"end":256.41998,"confidence":0.8408203,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.005428737960755825},{"word":"would","start":258.32,"end":258.47998,"confidence":0.9902344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0038850754499435425},{"word":"that","start":258.47998,"end":258.8,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015342900529503822},{"word":"still","start":258.8,"end":259.04,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0004011616110801697},{"word":"that","start":260.385,"end":260.625,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010037565603852272},{"word":"would","start":260.625,"end":260.785,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.00771559402346611},{"word":"be","start":260.785,"end":260.86502,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0032856669276952744},{"word":"like","start":260.86502,"end":261.105,"confidence":0.5917969,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0025144685059785843},{"word":"your","start":261.105,"end":261.345,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0010982900857925415},{"word":"living","start":261.345,"end":261.745,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.003672417253255844},{"word":"expenses","start":261.745,"end":262.245,"confidence":0.76171875,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":0.005621973425149918},{"word":"so","start":262.30502,"end":262.625,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012370496988296509},{"word":"groceries","start":262.625,"end":263.125,"confidence":0.9921875,"punctuated_word":"groceries,","sentiment":"neutral","sentiment_score":0.0071140192449092865},{"word":"other","start":263.665,"end":264.065,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0032952912151813507},{"word":"bills","start":264.065,"end":264.565,"confidence":0.92529297,"punctuated_word":"bills.","sentiment":"neutral","sentiment_score":0.005283137783408165},{"word":"yeah","start":268.385,"end":268.885,"confidence":0.88842773,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.02055561915040016},{"word":"okay","start":268.945,"end":269.445,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.016788221895694733},{"word":"and","start":269.665,"end":269.905,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.012285109609365463},{"word":"i've","start":269.905,"end":270.14502,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.014711052179336548},{"word":"got","start":270.14502,"end":270.30502,"confidence":0.9790039,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.017508726567029953},{"word":"a","start":270.30502,"end":270.385,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019878577440977097},{"word":"note","start":270.385,"end":270.70502,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.017753392457962036},{"word":"here","start":270.70502,"end":270.86502,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.022008152678608894},{"word":"that","start":270.86502,"end":271.105,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009852290153503418},{"word":"any","start":271.105,"end":271.42502,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.013077616691589355},{"word":"savings","start":271.42502,"end":271.905,"confidence":0.9980469,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.0017830245196819303},{"word":"just","start":271.905,"end":272.14502,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.008700670674443245},{"word":"goes","start":272.14502,"end":272.30502,"confidence":0.9941406,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.002265388146042824},{"word":"into","start":272.30502,"end":272.625,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0017819274216890335},{"word":"your","start":272.625,"end":272.70502,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00918535701930523},{"word":"off","start":272.70502,"end":273.0,"confidence":0.4501953,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.009416097775101662},{"word":"offset","start":275.32,"end":275.82,"confidence":0.9199219,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.04959510639309883},{"word":"account","start":276.76,"end":277.24,"confidence":0.9753418,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.05785194784402847},{"word":"no","start":277.24,"end":277.74,"confidence":0.9030762,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07806041091680527},{"word":"that's","start":278.36,"end":278.6,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06140875071287155},{"word":"okay","start":278.6,"end":279.0,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.06188635900616646},{"word":"i","start":279.0,"end":279.4,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05312733352184296},{"word":"i","start":279.4,"end":279.72,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04897037148475647},{"word":"understand","start":279.72,"end":280.22,"confidence":0.9995117,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.055334653705358505},{"word":"do","start":280.28,"end":280.44,"confidence":0.9863281,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.06501762568950653},{"word":"you","start":280.44,"end":280.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05907477438449859},{"word":"know","start":280.52,"end":280.6,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05698707699775696},{"word":"what","start":280.6,"end":280.76,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07003191858530045},{"word":"your","start":280.76,"end":281.0,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.061932273209095},{"word":"balance","start":281.0,"end":281.32,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.06413114815950394},{"word":"in","start":281.32,"end":281.4,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06766495853662491},{"word":"your","start":281.4,"end":281.56,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07696694135665894},{"word":"offset","start":281.56,"end":281.88,"confidence":1.0,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.07379427552223206},{"word":"account","start":281.88,"end":282.28,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.08295837044715881},{"word":"is","start":282.28,"end":282.78,"confidence":0.99902344,"punctuated_word":"is?","sentiment":"neutral","sentiment_score":-0.06367862224578857},{"word":"yeah","start":305.68,"end":306.0,"confidence":0.91796875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020574022084474564},{"word":"okay","start":306.0,"end":306.5,"confidence":0.9223633,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02757567912340164},{"word":"that's","start":308.8,"end":309.19998,"confidence":0.98950195,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01308644376695156},{"word":"alright","start":309.19998,"end":309.69998,"confidence":0.99560547,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.008356437087059021},{"word":"okay","start":311.75998,"end":312.135,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0260420273989439},{"word":"no","start":312.935,"end":313.17502,"confidence":0.99902344,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.05093586444854736},{"word":"worries","start":313.17502,"end":313.67502,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.035724490880966187},{"word":"at","start":313.73502,"end":314.05502,"confidence":0.9003906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.024924684315919876},{"word":"all","start":314.05502,"end":314.55502,"confidence":0.9926758,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.04605934768915176},{"word":"okay","start":317.17502,"end":317.67502,"confidence":0.94921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.032102324068546295},{"word":"and","start":319.575,"end":320.075,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.019303571432828903},{"word":"you","start":320.695,"end":321.195,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017868096008896828},{"word":"are","start":321.415,"end":321.815,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02255166694521904},{"word":"still","start":321.815,"end":322.215,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.020665094256401065},{"word":"in","start":322.215,"end":322.45502,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02398216724395752},{"word":"north","start":322.45502,"end":322.77502,"confidence":0.9819336,"punctuated_word":"North","sentiment":"neutral","sentiment_score":0.03666580095887184},{"word":"narrabeen","start":322.77502,"end":323.27502,"confidence":0.8676758,"punctuated_word":"Narrabeen?","sentiment":"neutral","sentiment_score":0.029306357726454735},{"word":"yep","start":325.415,"end":325.915,"confidence":0.90112305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12614236772060394},{"word":"fantastic","start":325.975,"end":326.475,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.36623725295066833},{"word":"and","start":327.86002,"end":328.34,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15421530604362488},{"word":"your","start":328.34,"end":328.66,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12380627542734146},{"word":"children","start":328.66,"end":329.16,"confidence":0.9746094,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.17623567581176758},{"word":"kobe","start":329.22,"end":329.72,"confidence":0.7265625,"punctuated_word":"Kobe","sentiment":"neutral","sentiment_score":0.1968355178833008},{"word":"and","start":329.78,"end":330.02002,"confidence":0.8310547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07499804347753525},{"word":"is","start":330.1,"end":330.26,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07643201947212219},{"word":"it","start":330.26,"end":330.5,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11093129217624664},{"word":"kiani","start":330.5,"end":331.0,"confidence":0.83707684,"punctuated_word":"Kiani?","sentiment":"neutral","sentiment_score":0.11409804224967957},{"word":"that's","start":333.7,"end":333.94,"confidence":0.98535156,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5832341909408569},{"word":"a","start":333.94,"end":334.02002,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5740428566932678},{"word":"lovely","start":334.02002,"end":334.42,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.6332117319107056},{"word":"name","start":334.42,"end":334.92,"confidence":0.9995117,"punctuated_word":"name.","sentiment":"positive","sentiment_score":0.5570752620697021},{"word":"how","start":337.7,"end":337.86002,"confidence":0.7939453,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.01156366616487503},{"word":"old","start":337.86002,"end":338.1,"confidence":0.81396484,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.009320490062236786},{"word":"are","start":338.1,"end":338.26,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.010959845036268234},{"word":"they","start":338.26,"end":338.42,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.00043967366218566895},{"word":"now","start":338.42,"end":338.66,"confidence":0.98291016,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.002201136201620102},{"word":"because","start":338.66,"end":339.16,"confidence":0.99316406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.011743656359612942},{"word":"this","start":339.46002,"end":339.705,"confidence":0.7651367,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.004921594634652138},{"word":"i","start":340.185,"end":340.26498,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002215297892689705},{"word":"have","start":340.26498,"end":340.585,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004356881603598595},{"word":"kobe","start":340.585,"end":340.905,"confidence":0.48291016,"punctuated_word":"Kobe","sentiment":"neutral","sentiment_score":0.00617293082177639},{"word":"as","start":340.905,"end":341.22498,"confidence":0.9301758,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0011751651763916016},{"word":"16","start":341.22498,"end":341.625,"confidence":1.0,"punctuated_word":"16","sentiment":"neutral","sentiment_score":0.0004562828689813614},{"word":"and","start":341.625,"end":341.865,"confidence":0.8330078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0004564691334962845},{"word":"kiani","start":341.865,"end":342.345,"confidence":0.77685547,"punctuated_word":"Kiani","sentiment":"neutral","sentiment_score":0.025417299941182137},{"word":"as","start":342.345,"end":342.50497,"confidence":0.95703125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.011652108281850817},{"word":"14","start":342.50497,"end":342.985,"confidence":0.99902344,"punctuated_word":"14.","sentiment":"neutral","sentiment_score":0.014192724600434303},{"word":"is","start":342.985,"end":343.145,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.009976339526474476},{"word":"that","start":343.145,"end":343.38498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009077252820134165},{"word":"right","start":343.38498,"end":343.88498,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.0068738264963030815},{"word":"oh","start":349.465,"end":349.78497,"confidence":0.9951172,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":-0.0028542131185531616},{"word":"my","start":349.78497,"end":350.025,"confidence":0.98291016,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04526269808411598},{"word":"gosh","start":350.025,"end":350.425,"confidence":0.99902344,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":-0.017271319404244423},{"word":"what","start":350.425,"end":350.66498,"confidence":1.0,"punctuated_word":"What","sentiment":"positive","sentiment_score":0.7975720763206482},{"word":"an","start":350.66498,"end":350.82498,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.780507504940033},{"word":"exciting","start":350.82498,"end":351.32498,"confidence":1.0,"punctuated_word":"exciting","sentiment":"positive","sentiment_score":0.7399181127548218},{"word":"time","start":351.465,"end":351.965,"confidence":0.9904785,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7524892091751099},{"word":"it","start":355.58002,"end":356.08002,"confidence":0.98535156,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4545188844203949},{"word":"goes","start":356.14,"end":356.38,"confidence":0.7285156,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.4307464063167572},{"word":"so","start":356.38,"end":356.54,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4090093672275543},{"word":"fast","start":356.54,"end":356.94,"confidence":0.95654297,"punctuated_word":"fast,","sentiment":"positive","sentiment_score":0.4300800561904907},{"word":"doesn't","start":356.94,"end":357.34003,"confidence":0.99609375,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.27843236923217773},{"word":"it","start":357.34003,"end":357.84003,"confidence":0.99902344,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.3207182288169861},{"word":"i","start":361.82,"end":361.98,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16246432065963745},{"word":"do","start":361.98,"end":362.38,"confidence":0.9995117,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.14672090113162994},{"word":"i","start":362.38,"end":362.62003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12895187735557556},{"word":"have","start":362.62003,"end":362.94,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1005406603217125},{"word":"a","start":362.94,"end":363.18002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12541455030441284},{"word":"10","start":363.18002,"end":363.42,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.15960541367530823},{"word":"year","start":363.42,"end":363.66,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.15484218299388883},{"word":"old","start":363.66,"end":363.90002,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.12852191925048828},{"word":"daughter","start":363.90002,"end":364.40002,"confidence":1.0,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.11046861112117767},{"word":"and","start":364.54,"end":364.94,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08816737681627274},{"word":"a","start":364.94,"end":365.26,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11760352551937105},{"word":"seven","start":365.26,"end":365.58002,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.09653103351593018},{"word":"year","start":365.58002,"end":365.74002,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.11121829599142076},{"word":"old","start":365.74002,"end":365.98,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.11354755610227583},{"word":"son","start":365.98,"end":366.48,"confidence":0.9741211,"punctuated_word":"son.","sentiment":"neutral","sentiment_score":0.11335934698581696},{"word":"so","start":371.39502,"end":371.715,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018327128142118457},{"word":"it","start":371.715,"end":371.875,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04957608878612518},{"word":"goes","start":371.875,"end":372.27502,"confidence":0.9326172,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.051523976027965546},{"word":"fast","start":372.27502,"end":372.77502,"confidence":0.93481445,"punctuated_word":"fast,","sentiment":"neutral","sentiment_score":-0.06557022035121918},{"word":"and","start":372.83502,"end":373.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15930485725402832},{"word":"they're","start":373.315,"end":373.55502,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.2363664209842682},{"word":"driving","start":373.55502,"end":373.95502,"confidence":1.0,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":-0.2022680938243866},{"word":"me","start":373.95502,"end":374.435,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.27602723240852356},{"word":"a","start":374.435,"end":374.515,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3045786917209625},{"word":"bit","start":374.515,"end":374.755,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.3086530566215515},{"word":"bonkers","start":374.755,"end":375.255,"confidence":0.9975586,"punctuated_word":"bonkers","sentiment":"neutral","sentiment_score":-0.3113213777542114},{"word":"this","start":375.315,"end":375.475,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.23100519180297852},{"word":"week","start":375.475,"end":375.95502,"confidence":0.9321289,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.2030404806137085},{"word":"it'll","start":375.95502,"end":376.195,"confidence":0.6690674,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.07610267400741577},{"word":"last","start":376.195,"end":376.515,"confidence":0.8364258,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0521194264292717},{"word":"week","start":376.515,"end":376.755,"confidence":0.9970703,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.027965500950813293},{"word":"at","start":376.755,"end":376.915,"confidence":0.8388672,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06547943502664566},{"word":"school","start":376.915,"end":377.23502,"confidence":0.95996094,"punctuated_word":"school.","sentiment":"neutral","sentiment_score":-0.05728987231850624},{"word":"they're","start":377.23502,"end":377.475,"confidence":0.9995117,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.12406957149505617},{"word":"a","start":377.475,"end":377.55502,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11817005276679993},{"word":"bit","start":377.55502,"end":377.795,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14866337180137634},{"word":"tired","start":377.795,"end":378.195,"confidence":0.9980469,"punctuated_word":"tired","sentiment":"neutral","sentiment_score":-0.17432332038879397},{"word":"and","start":378.195,"end":378.435,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20898619294166565},{"word":"cranky","start":378.435,"end":378.935,"confidence":0.9736328,"punctuated_word":"cranky,","sentiment":"neutral","sentiment_score":-0.23206400871276855},{"word":"but","start":378.995,"end":379.495,"confidence":0.85302734,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.03733127191662789},{"word":"hopefully","start":381.155,"end":381.655,"confidence":0.9995117,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.18861454725265503},{"word":"they","start":382.035,"end":382.44,"confidence":0.88183594,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.21992748975753784},{"word":"they","start":383.24,"end":383.32,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2140720933675766},{"word":"they","start":383.32,"end":383.48,"confidence":0.24194336,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2596358358860016},{"word":"are","start":383.48,"end":383.64,"confidence":0.39990234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2652323842048645},{"word":"back","start":383.64,"end":383.96,"confidence":0.89990234,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23336800932884216},{"word":"over","start":383.96,"end":384.2,"confidence":0.9951172,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3637121915817261},{"word":"the","start":384.2,"end":384.28,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28370073437690735},{"word":"holidays","start":384.28,"end":384.78,"confidence":0.7780762,"punctuated_word":"holidays,","sentiment":"neutral","sentiment_score":0.25390130281448364},{"word":"become","start":385.0,"end":385.32,"confidence":0.9941406,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.3215203285217285},{"word":"my","start":385.32,"end":385.48,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2521827220916748},{"word":"normal","start":385.48,"end":385.88,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.251116544008255},{"word":"children","start":385.88,"end":386.2,"confidence":0.9633789,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.21776212751865387},{"word":"again","start":386.2,"end":386.7,"confidence":0.9914551,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.19285812973976135},{"word":"sometimes","start":392.36002,"end":392.86002,"confidence":0.92333984,"punctuated_word":"Sometimes","sentiment":"neutral","sentiment_score":0.05431680381298065},{"word":"where","start":392.92,"end":393.08002,"confidence":0.6308594,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03037283383309841},{"word":"i","start":393.08002,"end":393.16,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.053041525185108185},{"word":"can","start":393.16,"end":393.48,"confidence":0.82543945,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.05984535813331604},{"word":"i","start":393.48,"end":393.56,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08319877088069916},{"word":"try","start":393.56,"end":393.72,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.0824991762638092},{"word":"and","start":393.72,"end":393.88,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09467561542987823},{"word":"save","start":393.88,"end":394.12,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.08821356296539307},{"word":"as","start":394.12,"end":394.28,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07796239107847214},{"word":"much","start":394.28,"end":394.52,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.10329657793045044},{"word":"for","start":394.52,"end":394.68,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0922379195690155},{"word":"christmas","start":394.68,"end":395.18,"confidence":1.0,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":0.11005544662475586},{"word":"so","start":396.04,"end":396.28,"confidence":0.84472656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04917512834072113},{"word":"we","start":396.28,"end":396.36002,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05680718272924423},{"word":"can","start":396.36002,"end":396.6,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0695226788520813},{"word":"do","start":396.6,"end":396.76,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05712756887078285},{"word":"stuff","start":396.76,"end":397.08002,"confidence":0.99902344,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.06792546808719635},{"word":"over","start":397.08002,"end":397.32,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07711002230644226},{"word":"the","start":397.32,"end":397.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05544452369213104},{"word":"bigger","start":397.48,"end":397.8,"confidence":0.9970703,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.07831960916519165},{"word":"break","start":397.8,"end":398.3,"confidence":0.85131836,"punctuated_word":"break?","sentiment":"neutral","sentiment_score":0.07970733940601349},{"word":"but","start":399.345,"end":399.58502,"confidence":0.92822266,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10703948140144348},{"word":"i'm","start":399.58502,"end":399.825,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16044774651527405},{"word":"i'm","start":399.825,"end":400.065,"confidence":0.97753906,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23424330353736875},{"word":"fortunate","start":400.065,"end":400.545,"confidence":0.99902344,"punctuated_word":"fortunate","sentiment":"neutral","sentiment_score":0.33283284306526184},{"word":"enough","start":400.545,"end":401.02502,"confidence":1.0,"punctuated_word":"enough","sentiment":"positive","sentiment_score":0.3671381175518036},{"word":"to","start":401.02502,"end":401.265,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30693286657333374},{"word":"have","start":401.265,"end":401.765,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24039186537265775},{"word":"work","start":402.785,"end":403.185,"confidence":0.8886719,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.19848132133483887},{"word":"on","start":403.185,"end":403.42502,"confidence":0.7529297,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2329636812210083},{"word":"on","start":403.42502,"end":403.745,"confidence":0.5605469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24698223173618317},{"word":"a","start":403.745,"end":403.905,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21736004948616028},{"word":"couple","start":403.905,"end":404.14502,"confidence":0.84765625,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1884516477584839},{"word":"of","start":404.14502,"end":404.225,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20340070128440857},{"word":"days","start":404.225,"end":404.545,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.169672891497612},{"word":"a","start":404.545,"end":404.625,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17885339260101318},{"word":"week","start":404.625,"end":404.86502,"confidence":0.9177246,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.18358133733272552},{"word":"we","start":404.86502,"end":405.02502,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.20083032548427585},{"word":"work","start":405.02502,"end":405.265,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.22369401156902313},{"word":"from","start":405.265,"end":405.58502,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2332330197095871},{"word":"home","start":405.58502,"end":406.08502,"confidence":0.9970703,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.2076852321624756},{"word":"in","start":406.14502,"end":406.30502,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2876167893409729},{"word":"the","start":406.30502,"end":406.385,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28692033886909485},{"word":"office","start":406.385,"end":406.885,"confidence":0.7512207,"punctuated_word":"office.","sentiment":"neutral","sentiment_score":0.2251805067062378},{"word":"so","start":407.505,"end":408.005,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29674676060676575},{"word":"i'm","start":408.14502,"end":408.385,"confidence":0.93188477,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.33344757556915283},{"word":"i","start":408.785,"end":409.02502,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34073325991630554},{"word":"get","start":409.02502,"end":409.265,"confidence":0.9941406,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.37472203373909},{"word":"to","start":409.265,"end":409.42502,"confidence":0.99121094,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3665810227394104},{"word":"see","start":409.42502,"end":409.505,"confidence":0.9819336,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.26123926043510437},{"word":"them","start":409.505,"end":410.005,"confidence":0.970459,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.2097897231578827},{"word":"like","start":410.225,"end":410.465,"confidence":0.9831543,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15430161356925964},{"word":"in","start":410.465,"end":410.88,"confidence":0.74853516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14412158727645874},{"word":"fortunate","start":420.88,"end":421.38,"confidence":0.9914551,"punctuated_word":"fortunate.","sentiment":"positive","sentiment_score":0.4677295684814453},{"word":"with","start":424.685,"end":425.005,"confidence":0.9819336,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.11302633583545683},{"word":"your","start":425.005,"end":425.505,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07623091340065002},{"word":"occupation","start":426.285,"end":426.785,"confidence":0.99902344,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.07652188837528229},{"word":"i","start":427.165,"end":427.325,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06495516002178192},{"word":"have","start":427.325,"end":427.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06166766583919525},{"word":"office","start":427.645,"end":427.965,"confidence":0.9980469,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.08076990395784378},{"word":"administration","start":427.965,"end":428.465,"confidence":1.0,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.0887153297662735},{"word":"as","start":429.245,"end":429.645,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.056837037205696106},{"word":"a","start":429.645,"end":429.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07888482511043549},{"word":"bookkeeper","start":429.885,"end":430.385,"confidence":0.99902344,"punctuated_word":"bookkeeper","sentiment":"neutral","sentiment_score":0.07450436055660248},{"word":"at","start":430.445,"end":430.605,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.081992968916893},{"word":"a","start":430.605,"end":430.685,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11007187515497208},{"word":"gym","start":430.685,"end":431.005,"confidence":0.99853516,"punctuated_word":"gym.","sentiment":"neutral","sentiment_score":0.08437752723693848},{"word":"is","start":431.005,"end":431.245,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05246366560459137},{"word":"that","start":431.245,"end":431.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05733048915863037},{"word":"right","start":431.325,"end":431.825,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.030839938670396805},{"word":"no","start":433.965,"end":434.465,"confidence":0.8178711,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.01797979325056076},{"word":"okay","start":438.1,"end":438.42,"confidence":0.939209,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.005453223362565041},{"word":"everest","start":438.42,"end":438.9,"confidence":0.9199219,"punctuated_word":"Everest","sentiment":"neutral","sentiment_score":0.013266732916235924},{"word":"electrical","start":438.9,"end":439.4,"confidence":0.78393555,"punctuated_word":"Electrical.","sentiment":"neutral","sentiment_score":0.0122545063495636},{"word":"yep","start":440.02,"end":440.5,"confidence":0.9707031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021294228732585907},{"word":"okay","start":440.5,"end":441.0,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019321337342262268},{"word":"okay","start":447.94,"end":448.44,"confidence":0.8964844,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.020117003470659256},{"word":"right","start":448.5,"end":448.74,"confidence":0.9770508,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.016145072877407074},{"word":"and","start":448.74,"end":448.98,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.005581694655120373},{"word":"i","start":448.98,"end":449.06,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0017000027000904083},{"word":"had","start":449.06,"end":449.22,"confidence":0.8286133,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.001468677073717117},{"word":"that","start":449.38,"end":449.46,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008113330230116844},{"word":"that's","start":449.54,"end":449.78,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.004102611914277077},{"word":"what","start":449.78,"end":449.94,"confidence":0.97509766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0027531571686267853},{"word":"that","start":449.94,"end":450.135,"confidence":0.93408203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009521448984742165},{"word":"figure","start":450.135,"end":450.295,"confidence":0.97265625,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.007749775424599648},{"word":"is","start":450.295,"end":450.45502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.002568081021308899},{"word":"there","start":450.45502,"end":450.61502,"confidence":0.99560547,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0017477581277489662},{"word":"it's","start":450.61502,"end":450.855,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.003755392273887992},{"word":"about","start":450.855,"end":451.095,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0009948089718818665},{"word":"14,400","start":451.095,"end":452.635,"confidence":0.9536743,"punctuated_word":"14,400.","sentiment":"neutral","sentiment_score":0.0023064424749463797},{"word":"a","start":454.295,"end":454.45502,"confidence":0.9536133,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.01264696754515171},{"word":"year","start":454.45502,"end":454.95502,"confidence":0.9316406,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":-0.011191760189831257},{"word":"yes","start":456.45502,"end":456.95502,"confidence":0.7871094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.028317108750343323},{"word":"no","start":458.05502,"end":458.55502,"confidence":0.90063477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05323504656553269},{"word":"do","start":458.77502,"end":459.015,"confidence":0.62890625,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03774998337030411},{"word":"you","start":459.015,"end":459.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05341383442282677},{"word":"have","start":459.095,"end":459.415,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04835569113492966},{"word":"any","start":459.415,"end":459.73502,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.027903158217668533},{"word":"yep","start":463.33502,"end":463.83502,"confidence":0.9479167,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.0009359411778859794},{"word":"okay","start":464.45502,"end":464.95502,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.004090800881385803},{"word":"okay","start":465.66998,"end":466.16998,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0009084036573767662},{"word":"and","start":468.71,"end":468.94998,"confidence":0.9536133,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0032281242311000824},{"word":"that","start":468.94998,"end":469.19,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0032548652961850166},{"word":"says","start":469.19,"end":469.69,"confidence":0.8041992,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.0005463492125272751},{"word":"a","start":469.99,"end":470.06998,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0028915340080857277},{"word":"personal","start":470.06998,"end":470.55,"confidence":0.99902344,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.007872959598898888},{"word":"trainer","start":470.55,"end":471.05,"confidence":0.7883301,"punctuated_word":"trainer?","sentiment":"neutral","sentiment_score":0.007661029696464539},{"word":"or","start":472.62997,"end":472.75,"confidence":0.27490234,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.00919524859637022},{"word":"a","start":472.75,"end":472.87,"confidence":0.7138672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0143917053937912},{"word":"bookkeeper","start":472.87,"end":473.37,"confidence":0.75374347,"punctuated_word":"bookkeeper.","sentiment":"neutral","sentiment_score":0.011678888462483885},{"word":"yeah","start":473.50998,"end":473.75,"confidence":0.76171875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022488320246338844},{"word":"yeah","start":473.75,"end":473.99,"confidence":0.9067383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03890872001647949},{"word":"okay","start":473.99,"end":474.49,"confidence":0.97753906,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08328697085380554},{"word":"beautiful","start":475.43,"end":475.93,"confidence":0.9667969,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.18654441833496097},{"word":"alright","start":478.515,"end":479.015,"confidence":0.9926758,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.04996317625045776},{"word":"so","start":480.355,"end":480.595,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010417284443974497},{"word":"you're","start":480.595,"end":480.755,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.008058983832597733},{"word":"not","start":480.755,"end":480.995,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0023392848670482635},{"word":"making","start":480.995,"end":481.315,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.019105182960629463},{"word":"any","start":481.315,"end":481.555,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.022929277271032333},{"word":"additional","start":481.555,"end":482.035,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.04214610904455185},{"word":"contributions","start":482.035,"end":482.535,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.03792330250144005},{"word":"to","start":482.595,"end":482.835,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03322011977434158},{"word":"super","start":482.835,"end":483.335,"confidence":0.39819336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.009341303259134293},{"word":"besides","start":483.635,"end":484.115,"confidence":0.33740234,"punctuated_word":"besides","sentiment":"neutral","sentiment_score":-0.019472425803542137},{"word":"the","start":484.115,"end":484.195,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007658224552869797},{"word":"12%","start":484.195,"end":484.835,"confidence":0.99194336,"punctuated_word":"12%.","sentiment":"neutral","sentiment_score":-0.0013752419035881758},{"word":"is","start":484.835,"end":484.995,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.005352858453989029},{"word":"that","start":484.995,"end":485.23502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0008662603795528412},{"word":"right","start":485.23502,"end":485.73502,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.009307684376835825},{"word":"no","start":487.95502,"end":488.195,"confidence":0.98413086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07037004828453064},{"word":"that's","start":488.195,"end":488.515,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.036094821989536285},{"word":"okay","start":488.515,"end":489.015,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.024759864434599876},{"word":"these","start":490.195,"end":490.355,"confidence":0.9135742,"punctuated_word":"These","sentiment":"neutral","sentiment_score":-0.01856832206249237},{"word":"are","start":490.355,"end":490.515,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0016812793910503387},{"word":"just","start":490.515,"end":490.755,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00861968845129013},{"word":"little","start":490.755,"end":491.23502,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02533845603466034},{"word":"questions","start":491.23502,"end":491.715,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.01221020519733429},{"word":"i've","start":491.715,"end":491.875,"confidence":0.85180664,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.002893285360187292},{"word":"just","start":491.875,"end":492.035,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0009295158088207244},{"word":"run","start":492.035,"end":492.39,"confidence":0.9941406,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.005203980952501297},{"word":"through","start":492.39,"end":492.87003,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.011729884892702104},{"word":"to","start":492.87003,"end":493.11002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01554153487086296},{"word":"check","start":493.11002,"end":493.61002,"confidence":0.9875488,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":-0.01087835058569908},{"word":"and","start":495.59003,"end":495.83002,"confidence":0.9194336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.009575231932103634},{"word":"we","start":495.83002,"end":496.07,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.004843652248382568},{"word":"have","start":496.07,"end":496.47,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005795779637992382},{"word":"a","start":496.47,"end":496.63,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01047517079859972},{"word":"motor","start":496.63,"end":496.87003,"confidence":0.99902344,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.017386721447110176},{"word":"vehicle","start":496.87003,"end":497.27002,"confidence":0.9741211,"punctuated_word":"vehicle,","sentiment":"neutral","sentiment_score":0.01398440171033144},{"word":"a","start":497.27002,"end":497.51,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015818165615200996},{"word":"toyota","start":497.51,"end":497.99002,"confidence":0.9980469,"punctuated_word":"Toyota","sentiment":"neutral","sentiment_score":0.02722020074725151},{"word":"kluger","start":497.99002,"end":498.39,"confidence":0.74243164,"punctuated_word":"Kluger,","sentiment":"neutral","sentiment_score":0.02304409071803093},{"word":"valued","start":498.39,"end":498.79,"confidence":0.99902344,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.03474895656108856},{"word":"at","start":498.79,"end":498.87003,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.018948649987578392},{"word":"about","start":498.87003,"end":499.19,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.015645017847418785},{"word":"20,000","start":499.19,"end":500.01,"confidence":0.9078369,"punctuated_word":"20,000.","sentiment":"neutral","sentiment_score":0.019678262993693352},{"word":"fantastic","start":528.23,"end":528.73,"confidence":0.9260254,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7610405683517456},{"word":"that's","start":529.58997,"end":530.07,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7500447034835815},{"word":"great","start":530.07,"end":530.47,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7766629457473755},{"word":"thank","start":530.47,"end":530.70996,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7366615533828735},{"word":"you","start":530.70996,"end":531.20996,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.571807861328125},{"word":"any","start":531.82996,"end":532.23,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.05608690902590752},{"word":"other","start":532.23,"end":532.70996,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1253872811794281},{"word":"asset","start":532.70996,"end":533.11,"confidence":0.8432617,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.08164379745721817},{"word":"or","start":533.11,"end":533.26996,"confidence":0.5253906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07012005895376205},{"word":"liabilities","start":533.26996,"end":533.76996,"confidence":0.9980469,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.07870770990848541},{"word":"that","start":533.91,"end":534.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0129082091152668},{"word":"you","start":534.07,"end":534.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01864897459745407},{"word":"can","start":534.23,"end":534.38995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03965108469128609},{"word":"think","start":534.38995,"end":534.885,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07004991918802261},{"word":"of","start":546.325,"end":546.825,"confidence":0.9941406,"punctuated_word":"of?","sentiment":"neutral","sentiment_score":-0.024891361594200134},{"word":"okay","start":546.885,"end":547.385,"confidence":0.9802246,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02187933772802353},{"word":"is","start":547.525,"end":547.605,"confidence":0.9892578,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.03143942356109619},{"word":"that","start":547.605,"end":548.07,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02896671742200851},{"word":"tax","start":548.23,"end":548.63,"confidence":0.8112793,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":-0.026600459590554237},{"word":"or","start":548.63,"end":549.13,"confidence":0.99609375,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.039282601326704025},{"word":"okay","start":553.59,"end":554.09,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.018843047320842743},{"word":"yeah","start":561.19,"end":561.555,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014395346865057944},{"word":"okay","start":566.515,"end":567.015,"confidence":0.9248047,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04123586416244507},{"word":"and","start":567.635,"end":567.875,"confidence":0.97802734,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01289690099656582},{"word":"that","start":567.875,"end":568.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02685172483325005},{"word":"was","start":568.115,"end":568.355,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.034732211381196976},{"word":"17,000","start":568.355,"end":569.495,"confidence":0.9555664,"punctuated_word":"17,000,","sentiment":"neutral","sentiment_score":0.02044115960597992},{"word":"you","start":569.555,"end":569.71497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0099540613591671},{"word":"said","start":569.71497,"end":570.21497,"confidence":0.9291992,"punctuated_word":"said?","sentiment":"neutral","sentiment_score":0.017811814323067665},{"word":"18","start":572.835,"end":573.335,"confidence":0.8494466,"punctuated_word":"18?","sentiment":"neutral","sentiment_score":0.007806024514138699},{"word":"yeah","start":573.795,"end":574.29,"confidence":0.8449707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01401189249008894},{"word":"and","start":574.44995,"end":574.69,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.004473269917070866},{"word":"how","start":574.69,"end":574.76996,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0017135869711637497},{"word":"much","start":574.76996,"end":575.17,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.00157913938164711},{"word":"do","start":575.17,"end":575.25,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.007584189996123314},{"word":"you","start":575.25,"end":575.32996,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003417089581489563},{"word":"pay","start":575.32996,"end":575.57,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.008948160335421562},{"word":"off","start":575.57,"end":575.81,"confidence":0.99121094,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.006874507293105125},{"word":"that","start":575.81,"end":576.05,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0009269975125789642},{"word":"regularly","start":576.05,"end":576.55,"confidence":0.99902344,"punctuated_word":"regularly?","sentiment":"neutral","sentiment_score":-0.007219749502837658},{"word":"okay","start":601.16504,"end":601.47,"confidence":0.79248047,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.026133647188544273},{"word":"so","start":601.94995,"end":602.35,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05647420883178711},{"word":"not","start":603.14996,"end":603.47,"confidence":0.99316406,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.19164824485778809},{"word":"not","start":603.47,"end":603.79,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19200800359249115},{"word":"out","start":603.79,"end":604.02997,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2723842263221741},{"word":"of","start":604.02997,"end":604.18994,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1517307460308075},{"word":"your","start":604.18994,"end":604.50995,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14966043829917908},{"word":"personal","start":604.50995,"end":605.00995,"confidence":0.89404297,"punctuated_word":"personal.","sentiment":"neutral","sentiment_score":-0.14943602681159973},{"word":"no","start":605.31,"end":605.81,"confidence":0.9902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10391263663768768},{"word":"okay","start":605.87,"end":606.37,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.05308333039283752},{"word":"alright","start":608.11,"end":608.61,"confidence":0.99609375,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.03554521128535271},{"word":"have","start":609.31,"end":609.62994,"confidence":0.99121094,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.05124024674296379},{"word":"you","start":609.62994,"end":609.94995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04717448353767395},{"word":"ever","start":609.94995,"end":610.18994,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.040766481310129166},{"word":"been","start":610.18994,"end":610.43,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.06213420629501343},{"word":"declared","start":610.43,"end":610.82996,"confidence":1.0,"punctuated_word":"declared","sentiment":"neutral","sentiment_score":-0.0820281133055687},{"word":"bankrupt","start":610.82996,"end":611.32996,"confidence":0.9980469,"punctuated_word":"bankrupt","sentiment":"neutral","sentiment_score":-0.11305367946624756},{"word":"or","start":611.38995,"end":611.47,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06667111068964005},{"word":"had","start":611.47,"end":611.62994,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04255654290318489},{"word":"a","start":611.62994,"end":611.79,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08969268202781677},{"word":"debt","start":611.79,"end":612.02997,"confidence":0.9863281,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.13111568987369537},{"word":"agreement","start":612.02997,"end":612.52997,"confidence":1.0,"punctuated_word":"agreement?","sentiment":"neutral","sentiment_score":-0.07995887100696564},{"word":"no","start":614.50995,"end":615.00995,"confidence":0.98706055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0845150277018547},{"word":"and","start":615.38995,"end":615.675,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0538954958319664},{"word":"i","start":615.915,"end":616.15497,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06286101788282394},{"word":"have","start":616.15497,"end":616.39496,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.052363358438014984},{"word":"you","start":616.39496,"end":616.555,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0563935786485672},{"word":"here","start":616.555,"end":616.795,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.04271105676889419},{"word":"as","start":616.795,"end":616.955,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04341978952288627},{"word":"a","start":616.955,"end":617.195,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027692588046193123},{"word":"nonsmoker","start":617.195,"end":617.695,"confidence":0.99401855,"punctuated_word":"nonsmoker.","sentiment":"neutral","sentiment_score":-0.08045092225074768},{"word":"is","start":617.995,"end":618.235,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.021483169868588448},{"word":"that","start":618.235,"end":618.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01540188118815422},{"word":"right","start":618.475,"end":618.975,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.026568789035081863},{"word":"yeah","start":620.71497,"end":621.21497,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011494121514260767},{"word":"and","start":621.27496,"end":621.515,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.019676363095641136},{"word":"do","start":621.515,"end":621.595,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02780955843627453},{"word":"you","start":621.595,"end":621.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03641287237405777},{"word":"have","start":621.675,"end":621.83496,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04473043978214264},{"word":"any","start":621.83496,"end":622.15497,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04532576352357864},{"word":"significant","start":622.15497,"end":622.65497,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.06881670653820038},{"word":"health","start":622.875,"end":623.195,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.08822648227214813},{"word":"issues","start":623.195,"end":623.675,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.09191124141216278},{"word":"or","start":623.675,"end":623.915,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0807345062494278},{"word":"take","start":623.915,"end":624.075,"confidence":0.9892578,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.09767848253250122},{"word":"any","start":624.075,"end":624.39496,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08800676465034485},{"word":"medication","start":624.39496,"end":624.89496,"confidence":0.9904785,"punctuated_word":"medication?","sentiment":"neutral","sentiment_score":-0.08541803061962128},{"word":"yeah","start":629.755,"end":630.15,"confidence":0.96850586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0035534854978322983},{"word":"yeah","start":630.63,"end":631.13,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01114323642104864},{"word":"that's","start":631.51,"end":632.01,"confidence":0.87524414,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.009052645415067673},{"word":"yep","start":639.11005,"end":639.61005,"confidence":0.96516925,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.041585084050893784},{"word":"i","start":639.75,"end":639.99005,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030569683760404587},{"word":"understand","start":639.99005,"end":640.49005,"confidence":1.0,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.044810689985752106},{"word":"do","start":645.92505,"end":646.245,"confidence":0.56689453,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.041223980486392975},{"word":"you","start":646.245,"end":646.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033584561198949814},{"word":"have","start":647.04504,"end":647.28503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04110783338546753},{"word":"a","start":647.28503,"end":647.36505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05419647693634033},{"word":"will","start":647.36505,"end":647.685,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05511113256216049},{"word":"and","start":647.685,"end":647.84503,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06518314778804779},{"word":"a","start":647.84503,"end":647.92505,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05783724784851074},{"word":"power","start":647.92505,"end":648.16504,"confidence":0.99902344,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.042571984231472015},{"word":"of","start":648.16504,"end":648.245,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.038410574197769165},{"word":"attorney","start":648.245,"end":648.745,"confidence":0.9995117,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":-0.04300608113408089},{"word":"yes","start":654.085,"end":654.585,"confidence":0.7878418,"punctuated_word":"Yes?","sentiment":"neutral","sentiment_score":-0.022241849452257156},{"word":"i","start":662.4,"end":662.72003,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10595671832561492},{"word":"understand","start":662.72003,"end":663.22003,"confidence":0.9807129,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.1421801596879959},{"word":"i","start":663.52,"end":663.76,"confidence":0.58251953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0421956405043602},{"word":"understand","start":663.76,"end":664.26,"confidence":0.9995117,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.08143839985132217},{"word":"what","start":664.64,"end":664.88,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.08200345933437347},{"word":"i","start":664.88,"end":664.96,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08894121646881104},{"word":"can","start":664.96,"end":665.2,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10048341751098631},{"word":"do","start":665.2,"end":665.44,"confidence":0.84594727,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.1223871260881424},{"word":"if","start":665.44,"end":665.52,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13183781504631042},{"word":"you","start":665.52,"end":665.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08955419063568115},{"word":"like","start":665.68,"end":665.92,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08529052138328552},{"word":"is","start":665.92,"end":666.16,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06667834520339966},{"word":"i","start":666.16,"end":666.24,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08159073442220688},{"word":"can","start":666.24,"end":666.48,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08657609671354294},{"word":"send","start":666.48,"end":666.64,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08144461363554001},{"word":"you","start":666.64,"end":666.8,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06862664967775345},{"word":"just","start":666.8,"end":666.96,"confidence":0.9350586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08464610576629639},{"word":"through","start":666.96,"end":667.2,"confidence":0.9873047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07355864346027374},{"word":"a","start":667.2,"end":667.36,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10501952469348907},{"word":"brochure","start":667.36,"end":667.86,"confidence":1.0,"punctuated_word":"brochure","sentiment":"neutral","sentiment_score":0.09478089213371275},{"word":"for","start":668.64,"end":669.04,"confidence":0.8120117,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11297338455915452},{"word":"someone","start":669.04,"end":669.44,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.13026654720306396},{"word":"that","start":669.44,"end":669.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13202239573001862},{"word":"we","start":669.68,"end":670.0,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13169865310192108},{"word":"partner","start":670.0,"end":670.48,"confidence":0.99902344,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.13559778034687042},{"word":"with","start":670.48,"end":670.96,"confidence":0.99853516,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.17830049991607666},{"word":"they're","start":670.96,"end":671.2,"confidence":0.9995117,"punctuated_word":"They're","sentiment":"positive","sentiment_score":0.5036424398422241},{"word":"very","start":671.2,"end":671.52,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.566049337387085},{"word":"reasonably","start":671.52,"end":672.02,"confidence":1.0,"punctuated_word":"reasonably","sentiment":"positive","sentiment_score":0.5463628172874451},{"word":"priced","start":672.16,"end":672.66,"confidence":1.0,"punctuated_word":"priced","sentiment":"positive","sentiment_score":0.4146833121776581},{"word":"compared","start":672.72003,"end":673.12,"confidence":0.99609375,"punctuated_word":"compared","sentiment":"positive","sentiment_score":0.5105465650558472},{"word":"to","start":673.12,"end":673.2,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5441417098045349},{"word":"what","start":673.2,"end":673.52,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4507753551006317},{"word":"i've","start":673.52,"end":673.76,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.31687068939208984},{"word":"seen","start":673.76,"end":674.26,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.2715510129928589},{"word":"in","start":674.32,"end":674.4,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010918788611888884},{"word":"my","start":674.4,"end":674.64,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04526306316256523},{"word":"time","start":674.64,"end":675.14,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04880768805742264},{"word":"when","start":675.68,"end":676.08,"confidence":0.5341797,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03007594868540764},{"word":"you","start":676.08,"end":676.515,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.053871434181928635},{"word":"see","start":676.59503,"end":676.755,"confidence":0.5996094,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.022155866026878357},{"word":"lawyers","start":676.755,"end":677.255,"confidence":0.9921875,"punctuated_word":"lawyers","sentiment":"neutral","sentiment_score":0.00491819903254509},{"word":"charge","start":677.715,"end":678.03503,"confidence":0.7675781,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.02683446556329727},{"word":"for","start":678.03503,"end":678.195,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.071257583796978},{"word":"these","start":678.195,"end":678.695,"confidence":0.9411621,"punctuated_word":"these.","sentiment":"neutral","sentiment_score":0.06622534245252609},{"word":"it","start":680.435,"end":680.675,"confidence":0.9140625,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05725260078907013},{"word":"might","start":680.675,"end":680.835,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05941016227006912},{"word":"be","start":680.835,"end":681.075,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11533485352993011},{"word":"that","start":681.075,"end":681.575,"confidence":0.9536133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07794329524040222},{"word":"it's","start":682.59503,"end":682.91504,"confidence":0.9609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06238579750061035},{"word":"a","start":682.91504,"end":682.995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025723686441779137},{"word":"very","start":682.995,"end":683.235,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.08359310030937195},{"word":"simple","start":683.235,"end":683.555,"confidence":1.0,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.035855695605278015},{"word":"will","start":683.555,"end":683.79504,"confidence":0.9716797,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.009192265570163729},{"word":"that","start":683.79504,"end":684.03503,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014352604746818542},{"word":"just","start":684.03503,"end":684.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.008283182978630066},{"word":"needs","start":684.275,"end":684.435,"confidence":0.9970703,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.01819206029176712},{"word":"to","start":684.435,"end":684.59503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007357388734817505},{"word":"be","start":684.59503,"end":684.835,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.021280959248542786},{"word":"replaced","start":684.835,"end":685.335,"confidence":0.85253906,"punctuated_word":"replaced,","sentiment":"neutral","sentiment_score":0.05143245682120323},{"word":"but","start":686.35504,"end":686.59503,"confidence":0.9614258,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16385860741138458},{"word":"it's","start":686.59503,"end":686.91504,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20529179275035855},{"word":"probably","start":686.91504,"end":687.41504,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.28805774450302124},{"word":"worth","start":687.47504,"end":687.79504,"confidence":1.0,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.22204084694385529},{"word":"reaching","start":687.79504,"end":688.195,"confidence":1.0,"punctuated_word":"reaching","sentiment":"neutral","sentiment_score":0.2015455961227417},{"word":"out","start":688.195,"end":688.35504,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22522863745689392},{"word":"to","start":688.35504,"end":688.515,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.250871479511261},{"word":"them","start":688.515,"end":688.675,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.230465903878212},{"word":"and","start":688.675,"end":688.835,"confidence":0.90722656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28141531348228455},{"word":"just","start":688.835,"end":689.07,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3078565001487732},{"word":"the","start":689.87,"end":690.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2922305166721344},{"word":"brochure","start":690.03,"end":690.35004,"confidence":0.99658203,"punctuated_word":"brochure","sentiment":"neutral","sentiment_score":0.1904376745223999},{"word":"i","start":690.35004,"end":690.51,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2622971534729004},{"word":"send","start":690.51,"end":690.67,"confidence":0.9667969,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2695354223251343},{"word":"you","start":690.67,"end":690.83,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26572978496551514},{"word":"through","start":690.83,"end":691.07,"confidence":0.8198242,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.3010616898536682},{"word":"it","start":691.07,"end":691.23,"confidence":0.79833984,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3458126485347748},{"word":"will","start":691.23,"end":691.39,"confidence":0.94921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2917977571487427},{"word":"give","start":691.39,"end":691.55,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.29450148344039917},{"word":"you","start":691.55,"end":691.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2731563150882721},{"word":"a","start":691.71,"end":691.87,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29331570863723755},{"word":"price","start":691.87,"end":692.19,"confidence":0.99902344,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.26292550563812256},{"word":"guide","start":692.19,"end":692.69,"confidence":0.74316406,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.2868088185787201},{"word":"and","start":693.79,"end":694.19,"confidence":0.99121094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3440014123916626},{"word":"it's","start":694.19,"end":694.67,"confidence":0.6533203,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4525333344936371},{"word":"pretty","start":694.67,"end":695.17,"confidence":0.98535156,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5347944498062134},{"word":"straightforward","start":695.95,"end":696.35004,"confidence":0.9970703,"punctuated_word":"straightforward.","sentiment":"positive","sentiment_score":0.4284365475177765},{"word":"you","start":696.35004,"end":696.51,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.39976435899734497},{"word":"can","start":696.51,"end":696.67,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.43973565101623535},{"word":"do","start":696.67,"end":696.75,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4395985305309296},{"word":"it","start":696.75,"end":696.91003,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4245713055133819},{"word":"all","start":696.91003,"end":697.07,"confidence":0.9980469,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3974141776561737},{"word":"virtually","start":697.07,"end":697.57,"confidence":0.9980469,"punctuated_word":"virtually","sentiment":"positive","sentiment_score":0.5427405834197998},{"word":"like","start":697.63,"end":697.87,"confidence":0.96240234,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5010569095611572},{"word":"we","start":697.87,"end":698.03,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3923048079013825},{"word":"do","start":698.03,"end":698.53,"confidence":0.78759766,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.3635491132736206},{"word":"and","start":700.03,"end":700.53,"confidence":0.9482422,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22355765104293823},{"word":"it's","start":701.87,"end":702.195,"confidence":0.8964844,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.264738529920578},{"word":"it's","start":702.355,"end":702.435,"confidence":0.8769531,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.23811869323253632},{"word":"usually","start":702.435,"end":702.675,"confidence":0.9980469,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.25164055824279785},{"word":"a","start":702.675,"end":702.835,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2542056441307068},{"word":"pretty","start":702.835,"end":703.075,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2779262661933899},{"word":"quick","start":703.075,"end":703.315,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.23911893367767337},{"word":"process","start":703.315,"end":703.715,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.18842825293540957},{"word":"if","start":703.715,"end":703.875,"confidence":0.9448242,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1921863555908203},{"word":"you","start":703.875,"end":704.03503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14468736946582794},{"word":"wanna","start":704.03503,"end":704.275,"confidence":0.9589844,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1754370480775833},{"word":"look","start":704.275,"end":704.435,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10809767246246338},{"word":"into","start":704.435,"end":704.755,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.12587597966194153},{"word":"that","start":704.755,"end":705.155,"confidence":0.9885254,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0851285457611084},{"word":"which","start":705.155,"end":705.395,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10488023608922958},{"word":"we","start":705.395,"end":705.555,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04630042985081673},{"word":"would","start":705.555,"end":705.875,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05174881964921951},{"word":"definite","start":705.875,"end":706.355,"confidence":0.91503906,"punctuated_word":"definite","sentiment":"neutral","sentiment_score":0.0416521392762661},{"word":"at","start":706.59503,"end":706.755,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.011328525841236116},{"word":"least","start":706.755,"end":706.995,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.006103232502937317},{"word":"you've","start":706.995,"end":707.315,"confidence":0.9562988,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0315842479467392},{"word":"got","start":707.315,"end":707.47504,"confidence":0.9707031,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.020992547273635864},{"word":"a","start":707.47504,"end":707.635,"confidence":0.9536133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019832124933600426},{"word":"will","start":707.635,"end":708.135,"confidence":0.92285156,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.003477964550256729},{"word":"yeah","start":709.075,"end":709.575,"confidence":0.92993164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016524063423275948},{"word":"at","start":710.115,"end":710.195,"confidence":0.99316406,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.04127245768904686},{"word":"at","start":710.195,"end":710.355,"confidence":0.6152344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0675668865442276},{"word":"least","start":710.355,"end":710.59503,"confidence":0.99902344,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.09745015949010848},{"word":"you've","start":710.59503,"end":710.835,"confidence":0.98657227,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.05689450353384018},{"word":"got","start":710.835,"end":710.995,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04732011258602142},{"word":"one","start":710.995,"end":711.495,"confidence":0.99853516,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.045136090368032455},{"word":"yeah","start":719.75,"end":720.25,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03469713032245636},{"word":"so","start":720.31,"end":720.47003,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02800505608320236},{"word":"your","start":720.47003,"end":720.63,"confidence":0.9550781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.021734394133090973},{"word":"will","start":720.63,"end":720.95,"confidence":0.9902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.00718013197183609},{"word":"doesn't","start":720.95,"end":721.35004,"confidence":0.99902344,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.028590049594640732},{"word":"actually","start":721.35004,"end":721.85004,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.05144045501947403},{"word":"expire","start":722.63,"end":723.13,"confidence":0.9970703,"punctuated_word":"expire","sentiment":"neutral","sentiment_score":-0.056488037109375},{"word":"or","start":723.27,"end":723.43,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.054195139557123184},{"word":"anything","start":723.43,"end":723.83,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.036186497658491135},{"word":"like","start":723.83,"end":723.91003,"confidence":0.9760742,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.051053084433078766},{"word":"that","start":723.91003,"end":724.15,"confidence":0.9511719,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.035397760570049286},{"word":"and","start":724.15,"end":724.31,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.030760198831558228},{"word":"it","start":724.31,"end":724.47003,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029295742511749268},{"word":"doesn't","start":724.47003,"end":724.79004,"confidence":0.9970703,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.036227189004421234},{"word":"deal","start":724.79004,"end":725.19,"confidence":0.9892578,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":-0.04377124458551407},{"word":"with","start":725.19,"end":725.67004,"confidence":0.96435547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.057125188410282135},{"word":"assets","start":725.67004,"end":726.17004,"confidence":0.95410156,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.05615619570016861},{"word":"specifically","start":726.65497,"end":727.15497,"confidence":0.9824219,"punctuated_word":"specifically.","sentiment":"neutral","sentiment_score":-0.05096183717250824},{"word":"it's","start":728.095,"end":728.495,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01137300580739975},{"word":"more","start":728.495,"end":728.995,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0016577467322349548},{"word":"where","start":730.095,"end":730.335,"confidence":0.74072266,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.016267724335193634},{"word":"you","start":730.335,"end":730.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03196507692337036},{"word":"want","start":730.495,"end":730.735,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.025417976081371307},{"word":"your","start":730.735,"end":731.055,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03938530012965202},{"word":"estate","start":731.055,"end":731.455,"confidence":0.9404297,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.02758161723613739},{"word":"to","start":731.455,"end":731.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012954413890838625},{"word":"go","start":731.615,"end":731.775,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.024343498051166534},{"word":"and","start":731.775,"end":731.935,"confidence":0.82958984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024224281311035156},{"word":"your","start":731.935,"end":732.175,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.030732564628124237},{"word":"wealth","start":732.175,"end":732.575,"confidence":1.0,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.05859386920928955},{"word":"to","start":732.575,"end":732.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004491731524467468},{"word":"go","start":732.735,"end":733.055,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0012569203972816467},{"word":"in","start":733.055,"end":733.295,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.003707274794578552},{"word":"the","start":733.295,"end":733.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017324700951576233},{"word":"event","start":733.455,"end":733.775,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.016587398946285248},{"word":"of","start":733.775,"end":733.855,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02885783463716507},{"word":"your","start":733.855,"end":734.175,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02907322347164154},{"word":"passing","start":734.175,"end":734.675,"confidence":0.99853516,"punctuated_word":"passing.","sentiment":"neutral","sentiment_score":-0.04519418627023697},{"word":"so","start":734.735,"end":735.235,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.003862902522087097},{"word":"if","start":735.455,"end":735.695,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.010896557942032814},{"word":"it","start":735.695,"end":735.775,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015643689781427383},{"word":"was","start":735.775,"end":736.015,"confidence":0.98291016,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0016837380826473236},{"word":"set","start":736.015,"end":736.175,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.0044909268617630005},{"word":"up","start":736.175,"end":736.335,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.007536835968494415},{"word":"to","start":736.335,"end":736.495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010908685624599457},{"word":"go","start":736.495,"end":736.65497,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.016184460371732712},{"word":"to","start":736.65497,"end":736.815,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028547458350658417},{"word":"timothy","start":736.815,"end":737.315,"confidence":0.9995117,"punctuated_word":"Timothy,","sentiment":"neutral","sentiment_score":0.008984426036477089},{"word":"it","start":737.455,"end":737.535,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012279856950044632},{"word":"would","start":737.535,"end":737.775,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.004517272114753723},{"word":"still","start":737.775,"end":738.015,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0007523410022258759},{"word":"go","start":738.015,"end":738.255,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.012485850602388382},{"word":"to","start":738.255,"end":738.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020527541637420654},{"word":"timothy","start":738.415,"end":738.915,"confidence":0.99902344,"punctuated_word":"Timothy.","sentiment":"neutral","sentiment_score":0.007926400750875473},{"word":"the","start":739.35,"end":739.51,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.10233350843191148},{"word":"problem","start":739.51,"end":740.01,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.16605272889137268},{"word":"is","start":740.14996,"end":740.55,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1908450722694397},{"word":"is","start":740.55,"end":740.79,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2074895352125168},{"word":"once","start":740.79,"end":741.02997,"confidence":0.9819336,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.20564238727092743},{"word":"you","start":741.02997,"end":741.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14644795656204224},{"word":"have","start":741.19,"end":741.43,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15418247878551483},{"word":"children","start":741.43,"end":741.93,"confidence":0.81591797,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":-0.20037595927715304},{"word":"is","start":742.39,"end":742.63,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16884906589984894},{"word":"that","start":742.63,"end":742.79,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1599159687757492},{"word":"timothy","start":742.79,"end":743.26996,"confidence":0.9980469,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":-0.08052323758602142},{"word":"may","start":743.26996,"end":743.43,"confidence":0.89453125,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.12856081128120422},{"word":"be","start":743.43,"end":743.58997,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15650500357151031},{"word":"the","start":743.58997,"end":743.75,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15765613317489624},{"word":"only","start":743.75,"end":743.99,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.16212370991706848},{"word":"person","start":743.99,"end":744.39,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.09509103745222092},{"word":"you","start":744.39,"end":744.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13385599851608276},{"word":"have","start":744.47,"end":744.70996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13736630976200104},{"word":"nominated","start":744.70996,"end":745.11,"confidence":0.9580078,"punctuated_word":"nominated","sentiment":"neutral","sentiment_score":-0.10555395483970642},{"word":"as","start":745.11,"end":745.19,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14679056406021118},{"word":"a","start":745.19,"end":745.43,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16401991248130798},{"word":"beneficiary","start":745.43,"end":745.93,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.09439489245414734},{"word":"or","start":746.07,"end":746.31,"confidence":0.6074219,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15727682411670685},{"word":"it","start":746.31,"end":746.39,"confidence":0.70703125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18483714759349823},{"word":"may","start":746.39,"end":746.63,"confidence":0.9580078,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.13877274096012115},{"word":"be","start":746.63,"end":746.79,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1743944138288498},{"word":"another","start":746.79,"end":747.11,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.13399134576320648},{"word":"family","start":747.11,"end":747.51,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.12094518542289734},{"word":"member","start":747.51,"end":747.75,"confidence":1.0,"punctuated_word":"member","sentiment":"neutral","sentiment_score":-0.12950725853443146},{"word":"like","start":747.75,"end":747.99,"confidence":0.66503906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14390024542808533},{"word":"a","start":747.99,"end":748.14996,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12218151986598969},{"word":"sister","start":748.14996,"end":748.55,"confidence":1.0,"punctuated_word":"sister","sentiment":"neutral","sentiment_score":-0.09243500977754592},{"word":"or","start":748.55,"end":748.70996,"confidence":0.97314453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11486969143152236},{"word":"a","start":748.70996,"end":748.79,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14816009998321533},{"word":"brother","start":748.79,"end":749.19,"confidence":1.0,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":-0.093118816614151},{"word":"or","start":749.19,"end":749.35,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12977272272109985},{"word":"a","start":749.35,"end":749.43,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16978919506072998},{"word":"mom","start":749.43,"end":749.75,"confidence":0.97265625,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":-0.13227584958076477},{"word":"or","start":749.75,"end":749.91,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14597441256046295},{"word":"a","start":749.91,"end":749.99,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18517109751701355},{"word":"dad","start":749.99,"end":750.49,"confidence":0.9904785,"punctuated_word":"dad.","sentiment":"neutral","sentiment_score":-0.11839811503887177},{"word":"once","start":752.635,"end":752.955,"confidence":0.99609375,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.030705176293849945},{"word":"you","start":752.955,"end":753.11505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04218483716249466},{"word":"have","start":753.11505,"end":753.435,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04432665929198265},{"word":"children","start":753.435,"end":753.935,"confidence":0.9970703,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":-0.0331963375210762},{"word":"that's","start":753.995,"end":754.315,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.02134423330426216},{"word":"usually","start":754.315,"end":754.635,"confidence":0.99902344,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.013373546302318571},{"word":"one","start":754.635,"end":754.79504,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.013664059340953829},{"word":"of","start":754.79504,"end":754.955,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022840820252895355},{"word":"the","start":754.955,"end":755.11505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02363353967666626},{"word":"times","start":755.11505,"end":755.35504,"confidence":0.9980469,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.008762508630752563},{"word":"that","start":755.35504,"end":755.59503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008450157940387726},{"word":"we","start":755.59503,"end":755.755,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.025045908987522125},{"word":"do","start":755.755,"end":755.995,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.033065877854824066},{"word":"recommend","start":755.995,"end":756.495,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.050154246389865875},{"word":"reviewing","start":756.55505,"end":757.03503,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.006716243922710419},{"word":"it","start":757.03503,"end":757.195,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010610118508338928},{"word":"because","start":757.195,"end":757.515,"confidence":0.9135742,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05056426674127579},{"word":"you'd","start":757.515,"end":757.755,"confidence":0.9904785,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.06538956612348557},{"word":"probably","start":757.755,"end":758.155,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0511130690574646},{"word":"want","start":758.155,"end":758.395,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.007318481802940369},{"word":"your","start":758.395,"end":758.635,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0022883340716362},{"word":"children","start":758.635,"end":759.135,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.001748599112033844},{"word":"to","start":759.995,"end":760.23505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014792025089263916},{"word":"be","start":760.23505,"end":760.395,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.016632698476314545},{"word":"the","start":760.395,"end":760.55505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006246045231819153},{"word":"next","start":760.55505,"end":760.875,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.0022293031215667725},{"word":"beneficiary","start":760.875,"end":761.375,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.01704566925764084},{"word":"after","start":761.835,"end":762.155,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.0014700144529342651},{"word":"your","start":762.155,"end":762.395,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009664788842201231},{"word":"husband","start":762.395,"end":762.895,"confidence":0.99902344,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.016116738319396973},{"word":"if","start":763.03503,"end":763.195,"confidence":0.8076172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.022501878440380096},{"word":"that's","start":763.195,"end":763.67505,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.01223883591592312},{"word":"how","start":763.67505,"end":763.835,"confidence":0.82177734,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11515532433986664},{"word":"how","start":763.835,"end":764.13,"confidence":0.92578125,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16557666659355164},{"word":"your","start":764.29,"end":764.53,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17970111966133118},{"word":"wish","start":764.53,"end":764.61,"confidence":0.63623047,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.26444104313850403},{"word":"is","start":764.61,"end":764.93,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17989693582057953},{"word":"followed","start":764.93,"end":765.43,"confidence":0.9682617,"punctuated_word":"followed.","sentiment":"neutral","sentiment_score":0.16153723001480105},{"word":"so","start":765.81,"end":766.05,"confidence":0.9038086,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.243321493268013},{"word":"it's","start":766.05,"end":766.13,"confidence":0.91015625,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.25023791193962097},{"word":"probably","start":766.13,"end":766.63,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.31894922256469727},{"word":"worth","start":766.69,"end":767.19,"confidence":0.9941406,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.22220662236213684},{"word":"doing","start":767.25,"end":767.73,"confidence":0.9904785,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.23019129037857056},{"word":"i'll","start":767.73,"end":767.97003,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20449702441692352},{"word":"send","start":767.97003,"end":768.13,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1874520778656006},{"word":"you","start":768.13,"end":768.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20629218220710752},{"word":"through","start":768.29,"end":768.53,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2023199647665024},{"word":"that","start":768.53,"end":768.77,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2390932738780975},{"word":"brochure","start":768.77,"end":769.25,"confidence":1.0,"punctuated_word":"brochure","sentiment":"neutral","sentiment_score":0.1341499537229538},{"word":"anyhow","start":769.25,"end":769.75,"confidence":0.9921875,"punctuated_word":"anyhow","sentiment":"neutral","sentiment_score":0.1805216073989868},{"word":"so","start":770.13,"end":770.29,"confidence":0.8359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13386522233486176},{"word":"you","start":770.29,"end":770.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10833553224802016},{"word":"and","start":770.45,"end":770.61,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14173932373523712},{"word":"timothy","start":770.61,"end":771.09,"confidence":0.99902344,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":0.1707213819026947},{"word":"can","start":771.09,"end":771.33,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2497935891151428},{"word":"have","start":771.33,"end":771.49,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29137104749679565},{"word":"a","start":771.49,"end":771.57,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.326230525970459},{"word":"look","start":771.57,"end":771.73,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3371218144893646},{"word":"at","start":771.73,"end":771.89,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3485853970050812},{"word":"it","start":771.89,"end":772.39,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2722035050392151},{"word":"do","start":774.69,"end":774.85,"confidence":0.8647461,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.118927963078022},{"word":"you","start":774.85,"end":775.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1040559932589531},{"word":"have","start":775.01,"end":775.17,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08642072230577469},{"word":"a","start":775.17,"end":775.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09138795733451845},{"word":"power","start":775.25,"end":775.57,"confidence":0.96875,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1082814633846283},{"word":"of","start":775.57,"end":775.81,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05931774526834488},{"word":"attorney","start":775.81,"end":776.31,"confidence":0.9880371,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":0.0421190969645977},{"word":"no","start":780.65497,"end":781.15497,"confidence":0.55371094,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.29766911268234253},{"word":"people","start":783.615,"end":784.095,"confidence":0.7661133,"punctuated_word":"People","sentiment":"neutral","sentiment_score":-0.3044515550136566},{"word":"tend","start":784.095,"end":784.33496,"confidence":0.9951172,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.23890595138072968},{"word":"to","start":784.33496,"end":784.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2300662249326706},{"word":"think","start":784.495,"end":784.735,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.29564186930656433},{"word":"that","start":784.735,"end":784.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2398863434791565},{"word":"that's","start":784.975,"end":785.45496,"confidence":0.9855957,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.22847619652748108},{"word":"how","start":785.45496,"end":785.615,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.15206681191921234},{"word":"it","start":785.615,"end":785.77496,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1557818353176117},{"word":"works","start":785.77496,"end":786.27496,"confidence":0.99902344,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":-0.15165099501609802},{"word":"what","start":787.695,"end":787.935,"confidence":0.9604492,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.0934567004442215},{"word":"happens","start":787.935,"end":788.33496,"confidence":0.9941406,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.085826076567173},{"word":"is","start":788.33496,"end":788.815,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05599917843937874},{"word":"is","start":788.815,"end":789.055,"confidence":0.91259766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1027788519859314},{"word":"a","start":789.055,"end":789.13495,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17130878567695618},{"word":"power","start":789.13495,"end":789.375,"confidence":0.99902344,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.19598883390426636},{"word":"of","start":789.375,"end":789.535,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16225069761276245},{"word":"attorney","start":789.535,"end":789.935,"confidence":0.99902344,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.2315123975276947},{"word":"covers","start":789.935,"end":790.33496,"confidence":0.9951172,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.2109510898590088},{"word":"you","start":790.33496,"end":790.495,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20858211815357208},{"word":"if","start":790.495,"end":790.65497,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.21589194238185885},{"word":"you're","start":790.65497,"end":790.815,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.25859981775283813},{"word":"unable","start":790.815,"end":791.295,"confidence":0.99609375,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.3507723808288574},{"word":"to","start":791.295,"end":791.375,"confidence":0.96533203,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3856274485588074},{"word":"make","start":791.375,"end":791.82,"confidence":0.95410156,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.37725406885147095},{"word":"decisions","start":791.9,"end":792.4,"confidence":0.9633789,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.29509735107421875},{"word":"for","start":792.78,"end":792.94,"confidence":0.9970703,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.41478288173675537},{"word":"yourself","start":792.94,"end":793.44,"confidence":0.9890137,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":-0.31062766909599304},{"word":"so","start":793.74,"end":794.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1729660928249359},{"word":"it","start":794.06,"end":794.3,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1605806052684784},{"word":"might","start":794.3,"end":794.46,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.198514461517334},{"word":"be","start":794.46,"end":794.96,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2210226058959961},{"word":"you've","start":797.74,"end":798.06,"confidence":0.9020996,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.3301074802875519},{"word":"suffered","start":798.06,"end":798.38,"confidence":1.0,"punctuated_word":"suffered","sentiment":"negative","sentiment_score":-0.4787923991680145},{"word":"a","start":798.38,"end":798.54,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.359663188457489},{"word":"medical","start":798.54,"end":798.86,"confidence":1.0,"punctuated_word":"medical","sentiment":"negative","sentiment_score":-0.4021717309951782},{"word":"event","start":798.86,"end":799.26,"confidence":1.0,"punctuated_word":"event","sentiment":"negative","sentiment_score":-0.4028382897377014},{"word":"and","start":799.26,"end":799.42,"confidence":0.63671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3048435151576996},{"word":"you're","start":799.42,"end":799.66003,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.3295048475265503},{"word":"unable","start":799.66003,"end":799.98,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.3564169406890869},{"word":"to","start":799.98,"end":800.14,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35723450779914856},{"word":"make","start":800.14,"end":800.38,"confidence":1.0,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.3458939790725708},{"word":"a","start":800.38,"end":800.46,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32676324248313904},{"word":"decision","start":800.46,"end":800.96,"confidence":0.9790039,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":-0.29171282052993774},{"word":"it","start":801.98,"end":802.22003,"confidence":0.90625,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.16234438121318817},{"word":"relates","start":802.22003,"end":802.72003,"confidence":1.0,"punctuated_word":"relates","sentiment":"neutral","sentiment_score":-0.1321827620267868},{"word":"to","start":802.78,"end":802.94,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.198968306183815},{"word":"health","start":802.94,"end":803.26,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.22983866930007937},{"word":"decisions","start":803.26,"end":803.76,"confidence":0.99902344,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.19539371132850647},{"word":"and","start":803.9,"end":804.22003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2534368634223938},{"word":"financial","start":804.22003,"end":804.7,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.2958971858024597},{"word":"decisions","start":804.7,"end":805.2,"confidence":0.9802246,"punctuated_word":"decisions.","sentiment":"neutral","sentiment_score":-0.22081847488880155},{"word":"so","start":805.98,"end":806.48,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14347189664840698},{"word":"an","start":806.54,"end":806.86,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.21900811791419983},{"word":"example","start":806.86,"end":807.36,"confidence":1.0,"punctuated_word":"example","sentiment":"negative","sentiment_score":-0.3375507593154907},{"word":"would","start":807.5,"end":807.795,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.24491384625434875},{"word":"be","start":808.035,"end":808.27496,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.24157756567001343},{"word":"if","start":808.27496,"end":808.595,"confidence":0.9223633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.297709196805954},{"word":"you","start":808.595,"end":808.755,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3954505324363709},{"word":"are","start":808.755,"end":808.915,"confidence":0.9819336,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.3583381772041321},{"word":"unable","start":808.915,"end":809.315,"confidence":1.0,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.3614100217819214},{"word":"to","start":809.315,"end":809.39496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4400138258934021},{"word":"make","start":809.39496,"end":809.635,"confidence":1.0,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.4050237834453583},{"word":"a","start":809.635,"end":809.795,"confidence":0.9980469,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.40256333351135254},{"word":"decision","start":809.795,"end":810.295,"confidence":1.0,"punctuated_word":"decision","sentiment":"negative","sentiment_score":-0.35566040873527527},{"word":"or","start":811.635,"end":812.135,"confidence":0.98535156,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.4348136782646179},{"word":"or","start":812.51495,"end":812.675,"confidence":0.9838867,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.4909378290176392},{"word":"speak","start":812.675,"end":812.995,"confidence":1.0,"punctuated_word":"speak","sentiment":"negative","sentiment_score":-0.4760781526565552},{"word":"with","start":812.995,"end":813.15497,"confidence":0.99902344,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.36616599559783936},{"word":"us","start":813.15497,"end":813.65497,"confidence":0.7663574,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.2867792248725891},{"word":"a","start":813.875,"end":813.95496,"confidence":0.96972656,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.15076182782649994},{"word":"perfect","start":813.95496,"end":814.27496,"confidence":1.0,"punctuated_word":"perfect","sentiment":"neutral","sentiment_score":-0.06618507206439972},{"word":"example","start":814.27496,"end":814.675,"confidence":1.0,"punctuated_word":"example","sentiment":"neutral","sentiment_score":-0.13852569460868835},{"word":"would","start":814.675,"end":814.915,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.056560516357421875},{"word":"be","start":814.915,"end":815.415,"confidence":0.7817383,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.01666925847530365},{"word":"and","start":816.27496,"end":816.77496,"confidence":0.76831055,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.06913430988788605},{"word":"timothy","start":818.435,"end":818.915,"confidence":0.98535156,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":-0.16314631700515747},{"word":"needed","start":818.915,"end":819.15497,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.1298283338546753},{"word":"to","start":819.15497,"end":819.315,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17740803956985474},{"word":"ring","start":819.315,"end":819.475,"confidence":0.97509766,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.26462191343307495},{"word":"up","start":819.475,"end":819.795,"confidence":0.98291016,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.34661418199539185},{"word":"and","start":819.795,"end":820.295,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3168399930000305},{"word":"claim","start":820.51495,"end":821.01495,"confidence":0.89990234,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.2037772536277771},{"word":"an","start":821.235,"end":821.7,"confidence":0.8491211,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.22903287410736084},{"word":"insurance","start":821.86,"end":822.18,"confidence":0.9902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.19048751890659332},{"word":"policy","start":822.18,"end":822.68,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.11755897849798204},{"word":"or","start":822.82,"end":823.14,"confidence":0.9760742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.22936353087425232},{"word":"see","start":823.14,"end":823.26,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1758684515953064},{"word":"if","start":823.26,"end":823.38,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18245556950569153},{"word":"he","start":823.38,"end":823.54004,"confidence":0.9941406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.19076037406921387},{"word":"can","start":823.54004,"end":823.7,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.23826584219932556},{"word":"access","start":823.7,"end":824.10004,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2400912642478943},{"word":"your","start":824.10004,"end":824.34,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08269955217838287},{"word":"super","start":824.34,"end":824.82,"confidence":0.9267578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04137048125267029},{"word":"to","start":824.82,"end":824.9,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14873293042182922},{"word":"pay","start":824.9,"end":825.14,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.17837412655353546},{"word":"for","start":825.14,"end":825.46,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21665367484092712},{"word":"medical","start":825.46,"end":825.96,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.24687588214874268},{"word":"expenses","start":826.34,"end":826.84,"confidence":0.83984375,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":-0.21352440118789673},{"word":"we're","start":827.62,"end":827.86,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.4297895431518554},{"word":"actually","start":827.86,"end":828.36,"confidence":0.9951172,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.27976542711257935},{"word":"legally","start":828.42,"end":828.74,"confidence":0.97998047,"punctuated_word":"legally","sentiment":"negative","sentiment_score":-0.42634066939353943},{"word":"not","start":828.74,"end":828.98004,"confidence":0.89990234,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.404363751411438},{"word":"allowed","start":828.98004,"end":829.22003,"confidence":0.9970703,"punctuated_word":"allowed","sentiment":"negative","sentiment_score":-0.33821260929107666},{"word":"to","start":829.22003,"end":829.3,"confidence":0.88134766,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3936403691768646},{"word":"talk","start":829.3,"end":829.46,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"negative","sentiment_score":-0.3595992922782898},{"word":"to","start":829.46,"end":829.54004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.37474775314331055},{"word":"him","start":829.54004,"end":830.04004,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.27593183517456055},{"word":"without","start":830.66003,"end":830.98004,"confidence":0.9941406,"punctuated_word":"without","sentiment":"negative","sentiment_score":-0.4284400939941406},{"word":"that","start":830.98004,"end":831.22003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2553141713142395},{"word":"document","start":831.22003,"end":831.72003,"confidence":0.9926758,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.24860724806785583},{"word":"yes","start":833.06,"end":833.56,"confidence":0.8796387,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.025649454444646835},{"word":"and","start":835.775,"end":836.015,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07405441999435425},{"word":"the","start":836.015,"end":836.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0902533084154129},{"word":"same","start":836.175,"end":836.415,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.005402088165283203},{"word":"goes","start":836.415,"end":836.815,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.008463263511657715},{"word":"for","start":836.815,"end":836.97504,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0643254965543747},{"word":"him","start":836.97504,"end":837.295,"confidence":0.9736328,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":-0.05281625688076019},{"word":"so","start":837.295,"end":837.375,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.134561225771904},{"word":"you","start":837.375,"end":837.53503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2523996829986572},{"word":"wouldn't","start":837.53503,"end":837.935,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.18920254707336423},{"word":"legally","start":837.935,"end":838.435,"confidence":0.9951172,"punctuated_word":"legally","sentiment":"neutral","sentiment_score":-0.18724976480007172},{"word":"be","start":838.97504,"end":839.135,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2382838875055313},{"word":"able","start":839.135,"end":839.635,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.19768181443214417},{"word":"to","start":840.09503,"end":840.335,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2252665013074875},{"word":"do","start":840.335,"end":840.495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.24168916046619415},{"word":"anything","start":840.495,"end":840.97504,"confidence":0.9975586,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.21455760300159457},{"word":"so","start":840.97504,"end":841.295,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1172364503145218},{"word":"if","start":841.295,"end":841.695,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11884836107492448},{"word":"if","start":841.695,"end":841.935,"confidence":0.8562012,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":-0.12524470686912537},{"word":"for","start":841.935,"end":842.09503,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1261124610900879},{"word":"example","start":842.09503,"end":842.495,"confidence":1.0,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.09254161268472672},{"word":"you","start":842.495,"end":842.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2151288539171219},{"word":"have","start":842.655,"end":843.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.20324209332466123},{"word":"in","start":843.055,"end":843.135,"confidence":0.5058594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18737998604774475},{"word":"individual","start":843.53503,"end":844.03503,"confidence":0.99902344,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":-0.23748283088207245},{"word":"bank","start":844.09503,"end":844.335,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.223272442817688},{"word":"accounts","start":844.335,"end":844.835,"confidence":0.9941406,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":-0.2307962328195572},{"word":"you","start":845.53503,"end":845.855,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28492528200149536},{"word":"the","start":846.255,"end":846.415,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32482531666755676},{"word":"bank","start":846.415,"end":846.735,"confidence":1.0,"punctuated_word":"bank","sentiment":"negative","sentiment_score":-0.3760889172554016},{"word":"won't","start":846.735,"end":847.055,"confidence":1.0,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2639886736869812},{"word":"speak","start":847.055,"end":847.375,"confidence":1.0,"punctuated_word":"speak","sentiment":"negative","sentiment_score":-0.33340442180633545},{"word":"to","start":847.375,"end":847.53503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2510780096054077},{"word":"you","start":847.53503,"end":847.74,"confidence":0.98706055,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.24845388531684875},{"word":"yeah","start":851.58,"end":852.08,"confidence":0.875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06729234755039215},{"word":"yep","start":853.89996,"end":854.39996,"confidence":0.71569824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.045241713523864746},{"word":"power","start":856.77997,"end":857.1,"confidence":0.96972656,"punctuated_word":"Power","sentiment":"neutral","sentiment_score":0.012670010328292848},{"word":"of","start":857.1,"end":857.26,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029840506613254547},{"word":"attorney","start":857.26,"end":857.76,"confidence":0.9970703,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.024804040789604187},{"word":"yeah","start":857.82,"end":858.32,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008699774742126465},{"word":"now","start":862.715,"end":862.795,"confidence":0.54052734,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.14884445071220398},{"word":"well","start":862.955,"end":863.195,"confidence":0.9970703,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.12337014079093932},{"word":"it's","start":863.195,"end":863.435,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0954955667257309},{"word":"not","start":863.435,"end":863.755,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10911914706230164},{"word":"it's","start":863.755,"end":864.075,"confidence":0.97143555,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1095339208841324},{"word":"not","start":864.075,"end":864.395,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09050071984529497},{"word":"yeah","start":865.435,"end":865.755,"confidence":0.9790039,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07811883091926575},{"word":"so","start":865.755,"end":866.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09289981424808502},{"word":"a","start":866.075,"end":866.155,"confidence":0.5366211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08019377291202545},{"word":"power","start":866.155,"end":866.235,"confidence":0.99609375,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.05412912368774414},{"word":"of","start":866.235,"end":866.315,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05929301679134369},{"word":"attorney","start":866.315,"end":866.815,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.06769086420536041},{"word":"isn't","start":867.275,"end":867.515,"confidence":1.0,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.061879225075244904},{"word":"really","start":867.515,"end":867.755,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.10533186048269272},{"word":"linked","start":867.755,"end":868.075,"confidence":0.9980469,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":-0.20940420031547544},{"word":"to","start":868.075,"end":868.235,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2282070815563202},{"word":"passing","start":868.235,"end":868.635,"confidence":1.0,"punctuated_word":"passing","sentiment":"negative","sentiment_score":-0.36281752586364746},{"word":"away","start":868.635,"end":869.115,"confidence":0.99658203,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.17582616209983826},{"word":"it's","start":869.115,"end":869.615,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0296441912651062},{"word":"nominating","start":870.235,"end":870.735,"confidence":0.99902344,"punctuated_word":"nominating","sentiment":"neutral","sentiment_score":0.017379259690642357},{"word":"somebody","start":870.875,"end":871.355,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":0.031200721859931942},{"word":"that","start":871.355,"end":871.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005836740136146545},{"word":"you","start":871.515,"end":871.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015233337879180908},{"word":"trust","start":871.675,"end":872.075,"confidence":1.0,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":-0.015878960490226746},{"word":"to","start":872.075,"end":872.155,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005532369017601013},{"word":"make","start":872.155,"end":872.395,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.052001044154167175},{"word":"decisions","start":872.395,"end":872.875,"confidence":1.0,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.005573675036430359},{"word":"on","start":872.875,"end":873.03503,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01606835424900055},{"word":"your","start":873.03503,"end":873.195,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02098795771598816},{"word":"behalf","start":873.195,"end":873.59503,"confidence":0.99902344,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.001062899827957153},{"word":"while","start":873.59503,"end":873.835,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.04180406779050827},{"word":"you're","start":873.835,"end":873.995,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07118640094995499},{"word":"alive","start":873.995,"end":874.395,"confidence":1.0,"punctuated_word":"alive","sentiment":"neutral","sentiment_score":-0.10506761074066162},{"word":"if","start":874.395,"end":874.555,"confidence":0.9790039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2123349905014038},{"word":"you","start":874.555,"end":874.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2393668293952942},{"word":"are","start":874.715,"end":874.875,"confidence":0.80126953,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.24573329091072085},{"word":"unable","start":874.875,"end":875.275,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.2503068745136261},{"word":"to","start":875.275,"end":875.435,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1947394609451294},{"word":"do","start":875.435,"end":875.73,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.20975305140018463},{"word":"so","start":876.93,"end":877.25,"confidence":0.98950195,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.15190166234970093},{"word":"so","start":877.25,"end":877.57,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06033884361386299},{"word":"it","start":877.57,"end":877.81,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11430640518665314},{"word":"could","start":877.81,"end":878.31,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.13770577311515808},{"word":"be","start":878.76996,"end":878.85,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14000974595546722},{"word":"health","start":878.85,"end":879.25,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.2269979566335678},{"word":"decisions","start":879.25,"end":879.75,"confidence":1.0,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.22130027413368225},{"word":"even","start":879.97,"end":880.47,"confidence":0.9892578,"punctuated_word":"even.","sentiment":"neutral","sentiment_score":-0.16309908032417297},{"word":"so","start":881.01,"end":881.51,"confidence":0.82666016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.147538959980011},{"word":"an","start":882.61,"end":882.85,"confidence":0.9370117,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.17537042498588562},{"word":"example","start":882.85,"end":883.35,"confidence":0.75219727,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.2329332530498505},{"word":"an","start":883.57,"end":883.73,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.3157500922679901},{"word":"absolute","start":883.73,"end":884.20996,"confidence":0.9892578,"punctuated_word":"absolute","sentiment":"negative","sentiment_score":-0.6409092545509338},{"word":"horrible","start":884.20996,"end":884.69,"confidence":0.9770508,"punctuated_word":"horrible","sentiment":"negative","sentiment_score":-0.5821990966796875},{"word":"example","start":884.69,"end":885.17,"confidence":1.0,"punctuated_word":"example","sentiment":"negative","sentiment_score":-0.4598105549812317},{"word":"would","start":885.17,"end":885.32996,"confidence":0.62890625,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3585892617702484},{"word":"be","start":885.32996,"end":885.64996,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2937416136264801},{"word":"a","start":885.64996,"end":885.81,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2906518578529358},{"word":"decision","start":885.81,"end":886.31,"confidence":1.0,"punctuated_word":"decision","sentiment":"negative","sentiment_score":-0.3842383921146393},{"word":"to","start":886.37,"end":886.87,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.329811692237854},{"word":"turn","start":887.08997,"end":887.32996,"confidence":0.9892578,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":-0.3136026859283447},{"word":"off","start":887.32996,"end":887.57,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2978912591934204},{"word":"life","start":887.57,"end":887.73,"confidence":0.8833008,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.30518078804016113},{"word":"life","start":887.73,"end":888.13,"confidence":0.7783203,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.3295576870441437},{"word":"support","start":888.13,"end":888.63,"confidence":0.87890625,"punctuated_word":"support,","sentiment":"neutral","sentiment_score":-0.2848309874534607},{"word":"or","start":889.175,"end":889.33496,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.26657629013061523},{"word":"it","start":889.33496,"end":889.57495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.25641435384750366},{"word":"might","start":889.57495,"end":889.89496,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.2007654309272766},{"word":"be","start":889.89496,"end":890.055,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19150540232658383},{"word":"that","start":890.055,"end":890.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2046377807855606},{"word":"yourself","start":892.535,"end":892.855,"confidence":0.89990234,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.21169354021549225},{"word":"or","start":892.855,"end":893.095,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2345260828733444},{"word":"timothy","start":893.095,"end":893.495,"confidence":0.9970703,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":-0.19285163283348083},{"word":"are","start":893.495,"end":893.65497,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2305974513292313},{"word":"in","start":893.65497,"end":893.89496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2664263844490051},{"word":"aged","start":893.89496,"end":894.21497,"confidence":0.95410156,"punctuated_word":"aged","sentiment":"neutral","sentiment_score":-0.2769470512866974},{"word":"care","start":894.21497,"end":894.71497,"confidence":1.0,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.2517739236354828},{"word":"and","start":896.375,"end":896.615,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2319557219743729},{"word":"diagnosed","start":896.615,"end":897.115,"confidence":0.9160156,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.1931428462266922},{"word":"with","start":897.175,"end":897.675,"confidence":0.9453125,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.2795345187187195},{"word":"let's","start":898.935,"end":899.175,"confidence":0.96875,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.29682308435440063},{"word":"just","start":899.175,"end":899.33496,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2323755919933319},{"word":"say","start":899.33496,"end":899.495,"confidence":0.98339844,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.24089166522026065},{"word":"dementia","start":899.495,"end":899.975,"confidence":0.93066406,"punctuated_word":"dementia,","sentiment":"neutral","sentiment_score":-0.2198735475540161},{"word":"for","start":899.975,"end":900.135,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.291359007358551},{"word":"example","start":900.135,"end":900.635,"confidence":0.9069824,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.2865394353866577},{"word":"and","start":901.43,"end":901.58997,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22888711094856265},{"word":"you're","start":901.58997,"end":901.91,"confidence":1.0,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.3441888689994812},{"word":"unable","start":901.91,"end":902.23,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.369051992893219},{"word":"to","start":902.23,"end":902.39,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4251384139060974},{"word":"make","start":902.39,"end":902.55,"confidence":1.0,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.3611034750938415},{"word":"decisions","start":902.55,"end":903.05,"confidence":0.7397461,"punctuated_word":"decisions.","sentiment":"negative","sentiment_score":-0.33748725056648254},{"word":"so","start":903.27,"end":903.77,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15179114043712616},{"word":"that","start":904.23,"end":904.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15522217750549316},{"word":"document","start":904.55,"end":905.05,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.26496005058288574},{"word":"would","start":905.11,"end":905.27,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08908849954605103},{"word":"allow","start":905.27,"end":905.58997,"confidence":1.0,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.07532808184623718},{"word":"that","start":905.58997,"end":905.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.056423842906951904},{"word":"person","start":905.83,"end":906.23,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.028554677963256836},{"word":"to","start":906.23,"end":906.47,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029980197548866272},{"word":"act","start":906.47,"end":906.63,"confidence":1.0,"punctuated_word":"act","sentiment":"neutral","sentiment_score":-0.03838752210140228},{"word":"on","start":906.63,"end":906.79,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01907211542129517},{"word":"your","start":906.79,"end":907.02997,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.036617279052734375},{"word":"behalf","start":907.02997,"end":907.51,"confidence":0.99902344,"punctuated_word":"behalf.","sentiment":"neutral","sentiment_score":-0.06890199333429337},{"word":"so","start":907.51,"end":908.01,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05381108075380325},{"word":"my","start":909.27,"end":909.51,"confidence":0.81152344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08177588135004044},{"word":"own","start":909.51,"end":909.83,"confidence":0.9975586,"punctuated_word":"own,","sentiment":"neutral","sentiment_score":-0.09129464626312256},{"word":"for","start":909.83,"end":910.07,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09409574419260024},{"word":"example","start":910.07,"end":910.47,"confidence":0.9995117,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.07912992686033249},{"word":"is","start":910.47,"end":910.71,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06778784096240997},{"word":"my","start":910.71,"end":910.87,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0982273817062378},{"word":"husband","start":910.87,"end":911.27,"confidence":0.79345703,"punctuated_word":"husband,","sentiment":"neutral","sentiment_score":-0.07202121615409851},{"word":"and","start":911.27,"end":911.51,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07357312738895416},{"word":"then","start":911.51,"end":911.75,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.040070243179798126},{"word":"if","start":911.75,"end":911.99,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14514069259166718},{"word":"he's","start":911.99,"end":912.15,"confidence":1.0,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.15114650130271912},{"word":"unable","start":912.15,"end":912.55,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.22123731672763824},{"word":"to","start":912.55,"end":912.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1714099645614624},{"word":"act","start":912.71,"end":912.95,"confidence":0.99853516,"punctuated_word":"act,","sentiment":"neutral","sentiment_score":-0.15169404447078705},{"word":"it","start":912.95,"end":913.11,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1396358758211136},{"word":"would","start":913.11,"end":913.35,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1628982424736023},{"word":"be","start":913.35,"end":913.51,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17210374772548676},{"word":"my","start":913.51,"end":913.67,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.15204381942749023},{"word":"sister","start":913.67,"end":914.17,"confidence":0.99658203,"punctuated_word":"sister.","sentiment":"neutral","sentiment_score":-0.1086919605731964},{"word":"so","start":915.485,"end":915.965,"confidence":0.921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09132294356822968},{"word":"you're","start":915.965,"end":916.365,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14296424388885498},{"word":"allowed","start":916.365,"end":916.84503,"confidence":1.0,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.15687985718250275},{"word":"to","start":916.84503,"end":917.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18058383464813232},{"word":"have","start":917.085,"end":917.585,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18874414265155792},{"word":"you","start":917.965,"end":918.125,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14942549169063568},{"word":"can","start":918.125,"end":918.365,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1934843361377716},{"word":"nominate","start":918.365,"end":918.84503,"confidence":1.0,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.21133151650428772},{"word":"several","start":918.84503,"end":919.34503,"confidence":0.80981445,"punctuated_word":"several.","sentiment":"neutral","sentiment_score":-0.0645800456404686},{"word":"and","start":919.885,"end":920.365,"confidence":0.9904785,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.17654526233673096},{"word":"you","start":920.365,"end":920.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17007063329219818},{"word":"know","start":920.525,"end":920.685,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16153281927108765},{"word":"you","start":920.685,"end":920.84503,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2234542965888977},{"word":"can","start":920.84503,"end":921.005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2043933868408203},{"word":"even","start":921.005,"end":921.245,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.20776216685771945},{"word":"it","start":921.405,"end":921.565,"confidence":0.9550781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2592172622680664},{"word":"can","start":921.565,"end":921.72504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22585360705852509},{"word":"even","start":921.72504,"end":921.965,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.24396853148937225},{"word":"get","start":921.965,"end":922.125,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2406301647424698},{"word":"a","start":922.125,"end":922.365,"confidence":0.78027344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22866813838481903},{"word":"specific","start":922.365,"end":922.84503,"confidence":0.99902344,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.2370798885822296},{"word":"to","start":922.84503,"end":923.085,"confidence":0.5678711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20388047397136688},{"word":"you","start":923.165,"end":923.325,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2338943183422089},{"word":"want","start":923.325,"end":923.565,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2268221378326416},{"word":"someone","start":923.565,"end":924.065,"confidence":0.9980469,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.20654809474945068},{"word":"specifically","start":924.445,"end":924.945,"confidence":0.9790039,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.2824975550174713},{"word":"to","start":925.005,"end":925.165,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22273840010166168},{"word":"make","start":925.165,"end":925.485,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20994405448436737},{"word":"health","start":925.485,"end":925.985,"confidence":0.81152344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.1958221197128296},{"word":"decision","start":926.765,"end":927.165,"confidence":0.35058594,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.22602736949920657},{"word":"for","start":927.165,"end":927.405,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2618231475353241},{"word":"you","start":927.405,"end":927.565,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22326350212097168},{"word":"and","start":927.565,"end":927.645,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18814578652381897},{"word":"someone","start":927.645,"end":927.965,"confidence":0.9921875,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.2020774632692337},{"word":"else","start":927.965,"end":928.125,"confidence":0.9667969,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.19742953777313232},{"word":"to","start":928.125,"end":928.28503,"confidence":0.9111328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15661993622779846},{"word":"make","start":928.28503,"end":928.445,"confidence":0.9350586,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1557704359292984},{"word":"financial","start":928.445,"end":928.65247,"confidence":0.7451172,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.1274811625480652},{"word":"decisions","start":928.65247,"end":928.86,"confidence":0.7077637,"punctuated_word":"decisions.","sentiment":"neutral","sentiment_score":0.1152971163392067},{"word":"state","start":928.86,"end":929.36,"confidence":0.97998047,"punctuated_word":"State","sentiment":"neutral","sentiment_score":0.05754656344652176},{"word":"government","start":933.26,"end":933.76,"confidence":0.91503906,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.048383928835392},{"word":"departments","start":937.66,"end":938.16,"confidence":0.9338379,"punctuated_word":"departments,","sentiment":"neutral","sentiment_score":0.05699656903743744},{"word":"like","start":938.38,"end":938.88,"confidence":0.83081055,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06313972175121307},{"word":"public","start":939.1,"end":939.6,"confidence":0.6455078,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.06108859181404114},{"word":"trustees","start":939.82,"end":940.32,"confidence":0.76000977,"punctuated_word":"trustees.","sentiment":"neutral","sentiment_score":0.047067176550626755},{"word":"you","start":940.54,"end":941.04,"confidence":0.53515625,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.062347833067178726},{"word":"can","start":941.26,"end":941.76,"confidence":0.6425781,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07268049567937851},{"word":"go","start":941.98,"end":942.48,"confidence":0.94921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07579654455184937},{"word":"through","start":942.7,"end":943.2,"confidence":0.9279785,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.06477592885494232},{"word":"like","start":943.33997,"end":943.665,"confidence":0.9682617,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0664219856262207},{"word":"state","start":943.745,"end":944.065,"confidence":0.9980469,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.04826909676194191},{"word":"government","start":944.065,"end":944.565,"confidence":0.9921875,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.0569462925195694},{"word":"departments","start":944.625,"end":945.125,"confidence":0.951416,"punctuated_word":"departments,","sentiment":"neutral","sentiment_score":0.058932505548000336},{"word":"like","start":945.185,"end":945.685,"confidence":0.7861328,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06525019556283951},{"word":"public","start":946.225,"end":946.70496,"confidence":0.8774414,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.055911529809236526},{"word":"trustees","start":946.70496,"end":947.20496,"confidence":0.8874512,"punctuated_word":"trustees.","sentiment":"neutral","sentiment_score":0.05909442901611328},{"word":"you","start":947.505,"end":947.745,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07654307782649994},{"word":"will","start":947.745,"end":947.90497,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06874798983335495},{"word":"wait","start":947.90497,"end":948.14496,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.08620453625917435},{"word":"a","start":948.14496,"end":948.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08956633508205414},{"word":"little","start":948.305,"end":948.545,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06797514110803604},{"word":"while","start":948.545,"end":948.865,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06597048044204712},{"word":"likely","start":948.865,"end":949.345,"confidence":0.8203125,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":0.07314185053110123},{"word":"to","start":949.345,"end":949.505,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06627269089221954},{"word":"get","start":949.505,"end":949.82495,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.054416850209236145},{"word":"in","start":949.82495,"end":950.32495,"confidence":0.7565918,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.05085458233952522},{"word":"and","start":951.985,"end":952.225,"confidence":0.97998047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0682467445731163},{"word":"they","start":952.225,"end":952.46497,"confidence":0.98095703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07396968454122543},{"word":"what","start":953.745,"end":953.985,"confidence":0.96240234,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07045923918485641},{"word":"typically","start":954.225,"end":954.725,"confidence":0.9753418,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":0.056782692670822144},{"word":"how","start":954.785,"end":954.945,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05424138158559799},{"word":"they","start":954.945,"end":955.185,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07832507789134979},{"word":"charge","start":955.185,"end":955.505,"confidence":0.9980469,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.07177799940109253},{"word":"is","start":955.505,"end":955.665,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06859787553548813},{"word":"a","start":955.665,"end":955.82495,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0958918035030365},{"word":"percentage","start":955.82495,"end":956.305,"confidence":1.0,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.06691958010196686},{"word":"from","start":956.305,"end":956.46497,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08857344090938568},{"word":"the","start":956.46497,"end":956.70496,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06744209676980972},{"word":"estate","start":956.70496,"end":957.105,"confidence":0.739624,"punctuated_word":"estate,","sentiment":"neutral","sentiment_score":0.06293140351772308},{"word":"so","start":957.105,"end":957.26495,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10719500482082368},{"word":"it's","start":957.26495,"end":957.58496,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13019248843193054},{"word":"free","start":957.58496,"end":957.82495,"confidence":0.99902344,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.1666741818189621},{"word":"to","start":957.82495,"end":957.90497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14343774318695068},{"word":"set","start":957.90497,"end":958.14496,"confidence":0.9902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.10863136500120164},{"word":"up","start":958.14496,"end":958.44,"confidence":0.7590332,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.08117644488811493},{"word":"but","start":958.68,"end":958.92,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08154137432575226},{"word":"they'll","start":958.92,"end":959.08,"confidence":1.0,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.07155049592256546},{"word":"take","start":959.08,"end":959.32,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0911651849746704},{"word":"a","start":959.32,"end":959.48,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08259531110525131},{"word":"percentage","start":959.48,"end":959.88,"confidence":1.0,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.05265903100371361},{"word":"of","start":959.88,"end":959.96,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07966092973947525},{"word":"the","start":959.96,"end":960.2,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06176095828413963},{"word":"estate","start":960.2,"end":960.68,"confidence":0.9970703,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.007208351045846939},{"word":"when","start":960.68,"end":961.18,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.016606871038675308},{"word":"the","start":964.2,"end":964.36,"confidence":0.8964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005392137914896011},{"word":"worst","start":964.36,"end":964.68,"confidence":0.96435547,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.024459604173898697},{"word":"does","start":964.68,"end":964.92,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.00996573269367218},{"word":"end","start":964.92,"end":965.16,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.0038412101566791534},{"word":"up","start":965.16,"end":965.32,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0035416148602962494},{"word":"happening","start":965.32,"end":965.82,"confidence":0.99902344,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":0.02906007692217827},{"word":"so","start":966.2,"end":966.7,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07208505272865295},{"word":"i","start":966.92,"end":967.16,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11849789321422576},{"word":"think","start":967.16,"end":967.66,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1230947971343994},{"word":"so","start":967.88,"end":968.38,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.169804185628891},{"word":"and","start":969.64,"end":969.8,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17132149636745453},{"word":"then","start":969.8,"end":970.04,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14322978258132937},{"word":"there's","start":970.04,"end":970.36,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16259047389030457},{"word":"always","start":970.36,"end":970.86,"confidence":0.9074707,"punctuated_word":"always,","sentiment":"neutral","sentiment_score":0.14557746052742004},{"word":"you","start":970.955,"end":971.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10671034455299376},{"word":"know","start":971.035,"end":971.115,"confidence":0.9941406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13594970107078552},{"word":"you","start":971.115,"end":971.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15690967440605164},{"word":"can","start":971.275,"end":971.515,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15873554348945618},{"word":"download","start":971.515,"end":971.915,"confidence":1.0,"punctuated_word":"download","sentiment":"neutral","sentiment_score":0.15571512281894684},{"word":"a","start":971.915,"end":971.995,"confidence":0.6220703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13260552287101746},{"word":"in","start":972.315,"end":972.555,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0973009541630745},{"word":"new","start":972.555,"end":972.715,"confidence":0.9951172,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.08619444072246552},{"word":"south","start":972.715,"end":972.955,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.1054188534617424},{"word":"wales","start":972.955,"end":973.355,"confidence":0.9506836,"punctuated_word":"Wales,","sentiment":"neutral","sentiment_score":0.12762385606765747},{"word":"a","start":973.355,"end":973.435,"confidence":0.9482422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17441365122795105},{"word":"power","start":973.435,"end":973.675,"confidence":0.99121094,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.15337756276130676},{"word":"of","start":973.675,"end":973.835,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1151263564825058},{"word":"attorney","start":973.835,"end":974.335,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.06933046132326126},{"word":"form","start":974.475,"end":974.795,"confidence":0.9838867,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.11650274693965912},{"word":"online","start":974.795,"end":975.195,"confidence":1.0,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.1707731932401657},{"word":"and","start":975.195,"end":975.355,"confidence":0.8828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1596108227968216},{"word":"go","start":975.355,"end":975.595,"confidence":0.99121094,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17889666557312012},{"word":"have","start":975.595,"end":975.755,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1501448005437851},{"word":"it","start":975.755,"end":975.915,"confidence":0.5625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15765473246574402},{"word":"witnessed","start":975.915,"end":976.395,"confidence":0.9350586,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":0.16260503232479095},{"word":"by","start":976.395,"end":976.635,"confidence":0.98535156,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1612447202205658},{"word":"a","start":976.635,"end":977.135,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15014168620109558},{"word":"court","start":977.755,"end":978.155,"confidence":0.9135742,"punctuated_word":"court","sentiment":"neutral","sentiment_score":0.0786835178732872},{"word":"officer","start":978.155,"end":978.655,"confidence":0.99853516,"punctuated_word":"officer.","sentiment":"neutral","sentiment_score":0.12084655463695526},{"word":"so","start":979.035,"end":979.515,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11771687120199203},{"word":"there","start":979.515,"end":979.755,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1419747918844223},{"word":"are","start":979.755,"end":979.995,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1300245076417923},{"word":"many","start":979.995,"end":980.315,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.12062209844589232},{"word":"different","start":980.315,"end":980.635,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.09607213735580444},{"word":"ways","start":980.635,"end":980.955,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.10385075211524963},{"word":"to","start":980.955,"end":981.035,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1374907344579697},{"word":"do","start":981.035,"end":981.195,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16518332064151764},{"word":"it","start":981.195,"end":981.675,"confidence":0.87109375,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.16354621946811676},{"word":"but","start":981.675,"end":981.915,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.138983815908432},{"word":"i'll","start":981.915,"end":982.155,"confidence":0.9663086,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15416406095027924},{"word":"in","start":982.395,"end":982.715,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15721186995506287},{"word":"that","start":982.715,"end":983.035,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20566512644290924},{"word":"brochure","start":983.035,"end":983.435,"confidence":1.0,"punctuated_word":"brochure","sentiment":"neutral","sentiment_score":0.14067409932613373},{"word":"that","start":983.435,"end":983.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19197331368923187},{"word":"i'm","start":983.595,"end":983.835,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.17190346121788025},{"word":"sending","start":983.835,"end":984.235,"confidence":1.0,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.17327241599559784},{"word":"through","start":984.235,"end":984.555,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17904937267303467},{"word":"to","start":984.555,"end":984.715,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20496812462806704},{"word":"you","start":984.715,"end":985.215,"confidence":0.9970703,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.21525774896144867},{"word":"it","start":986.84,"end":987.08,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22422809898853305},{"word":"includes","start":987.08,"end":987.58,"confidence":1.0,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.1911134123802185},{"word":"the","start":987.64,"end":987.88,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.180037721991539},{"word":"information","start":987.88,"end":988.28,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.16799496114253998},{"word":"for","start":988.28,"end":988.4,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17901763319969177},{"word":"a","start":988.4,"end":988.52,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1581246256828308},{"word":"power","start":988.52,"end":988.76,"confidence":0.9941406,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1345059871673584},{"word":"of","start":988.76,"end":989.0,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1418381780385971},{"word":"attorney","start":989.0,"end":989.32,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.09049607813358308},{"word":"too","start":989.32,"end":989.64,"confidence":0.92749023,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.18906408548355105},{"word":"so","start":989.64,"end":989.8,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1584131270647049},{"word":"you","start":989.8,"end":989.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16535036265850067},{"word":"can","start":989.88,"end":990.04,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15405263006687164},{"word":"have","start":990.04,"end":990.2,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17252252995967865},{"word":"them","start":990.2,"end":990.36,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.14133360981941223},{"word":"both","start":990.36,"end":990.60004,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1522427797317505},{"word":"set","start":990.60004,"end":990.76,"confidence":0.9941406,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.14129137992858887},{"word":"up","start":990.76,"end":990.92,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14162756502628326},{"word":"in","start":990.92,"end":991.08,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15747937560081482},{"word":"the","start":991.08,"end":991.24,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15957504510879517},{"word":"one","start":991.24,"end":991.32,"confidence":0.8510742,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.156685009598732},{"word":"with","start":991.48,"end":991.64,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13785116374492645},{"word":"the","start":991.64,"end":991.8,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14715684950351715},{"word":"one","start":991.8,"end":992.3,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14141026139259338},{"word":"in","start":992.60004,"end":992.76,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11977778375148772},{"word":"the","start":992.76,"end":992.84,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12033957242965698},{"word":"one","start":992.84,"end":993.08,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13375131785869598},{"word":"place","start":993.08,"end":993.58,"confidence":0.9995117,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.12176568806171416},{"word":"no","start":996.12,"end":996.36,"confidence":0.9921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.2187921404838562},{"word":"that's","start":996.36,"end":996.60004,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3683276772499085},{"word":"absolutely","start":996.60004,"end":997.10004,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.31052741408348083},{"word":"fine","start":997.24,"end":997.74,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2176373302936554},{"word":"okay","start":999.055,"end":999.555,"confidence":0.9785156,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3443181812763214},{"word":"i'm","start":999.775,"end":1000.175,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.426489919424057},{"word":"gonna","start":1000.175,"end":1000.65497,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.39402827620506287},{"word":"touch","start":1000.65497,"end":1001.135,"confidence":1.0,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.35179609060287476},{"word":"quickly","start":1001.135,"end":1001.635,"confidence":1.0,"punctuated_word":"quickly","sentiment":"positive","sentiment_score":0.4461972713470459},{"word":"on","start":1001.855,"end":1002.355,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4017725884914398},{"word":"your","start":1003.215,"end":1003.715,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39718344807624817},{"word":"goals","start":1004.895,"end":1005.135,"confidence":1.0,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.3529995083808899},{"word":"and","start":1005.135,"end":1005.375,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4331692159175873},{"word":"objectives","start":1005.375,"end":1005.875,"confidence":0.74560547,"punctuated_word":"objectives","sentiment":"positive","sentiment_score":0.33663737773895264},{"word":"that","start":1006.495,"end":1006.735,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3314513862133026},{"word":"we","start":1006.735,"end":1006.815,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.33584707975387573},{"word":"have","start":1006.815,"end":1007.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31268298625946045},{"word":"on","start":1007.055,"end":1007.215,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2539669871330261},{"word":"file","start":1007.215,"end":1007.535,"confidence":1.0,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.2585870623588562},{"word":"from","start":1007.535,"end":1007.775,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2539884150028229},{"word":"last","start":1007.775,"end":1008.175,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.21954509615898132},{"word":"time","start":1008.175,"end":1008.675,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.25051751732826233},{"word":"one","start":1009.535,"end":1009.775,"confidence":0.9970703,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.25456616282463074},{"word":"of","start":1009.775,"end":1009.855,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23643411695957184},{"word":"them","start":1009.855,"end":1010.095,"confidence":0.99609375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.24427112936973572},{"word":"was","start":1010.095,"end":1010.335,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.28251856565475464},{"word":"that","start":1010.335,"end":1010.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3027901351451874},{"word":"you","start":1010.495,"end":1010.65497,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3069055676460266},{"word":"would","start":1010.65497,"end":1010.815,"confidence":0.99902344,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.41893917322158813},{"word":"love","start":1010.815,"end":1010.975,"confidence":0.9980469,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.5955885052680969},{"word":"to","start":1010.975,"end":1011.3,"confidence":0.9760742,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41297465562820435},{"word":"travel","start":1011.3,"end":1011.54,"confidence":0.9980469,"punctuated_word":"travel","sentiment":"positive","sentiment_score":0.413455069065094},{"word":"to","start":1011.54,"end":1011.66,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3239421844482422},{"word":"the","start":1011.66,"end":1011.77997,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.31513649225234985},{"word":"uk","start":1011.77997,"end":1012.26,"confidence":1.0,"punctuated_word":"UK","sentiment":"neutral","sentiment_score":0.2911016345024109},{"word":"next","start":1012.26,"end":1012.74,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.3783551752567291},{"word":"christmas","start":1012.74,"end":1013.14,"confidence":1.0,"punctuated_word":"Christmas","sentiment":"positive","sentiment_score":0.4684453010559082},{"word":"as","start":1013.14,"end":1013.38,"confidence":0.9790039,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3474006950855255},{"word":"you","start":1013.38,"end":1013.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.321552038192749},{"word":"have","start":1013.54,"end":1013.77997,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3326535224914551},{"word":"family","start":1013.77997,"end":1014.18,"confidence":0.9951172,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.30310219526290894},{"word":"there","start":1014.18,"end":1014.42,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.34706351161003113},{"word":"and","start":1014.42,"end":1014.58,"confidence":0.83251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31492695212364197},{"word":"then","start":1014.58,"end":1014.82,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2443807423114777},{"word":"go","start":1014.82,"end":1014.98,"confidence":0.99902344,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3668158948421478},{"word":"to","start":1014.98,"end":1015.14,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29868268966674805},{"word":"greece","start":1015.14,"end":1015.54,"confidence":0.9902344,"punctuated_word":"Greece","sentiment":"neutral","sentiment_score":0.2941226363182068},{"word":"to","start":1015.54,"end":1015.7,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2789932191371918},{"word":"spread","start":1015.7,"end":1016.1,"confidence":1.0,"punctuated_word":"spread","sentiment":"positive","sentiment_score":0.4144459664821625},{"word":"your","start":1016.1,"end":1016.6,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.281255841255188},{"word":"father","start":1016.98,"end":1017.3,"confidence":0.9980469,"punctuated_word":"father","sentiment":"neutral","sentiment_score":0.2754599452018738},{"word":"in","start":1017.3,"end":1017.38,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2649894952774048},{"word":"law's","start":1017.38,"end":1017.88,"confidence":0.9980469,"punctuated_word":"law's","sentiment":"neutral","sentiment_score":0.3050247132778168},{"word":"ashes","start":1018.01996,"end":1018.51996,"confidence":0.9572754,"punctuated_word":"ashes.","sentiment":"neutral","sentiment_score":0.2693779170513153},{"word":"did","start":1021.14,"end":1021.3,"confidence":0.8886719,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.23208490014076233},{"word":"you","start":1021.3,"end":1021.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3206483721733093},{"word":"achieve","start":1022.66,"end":1023.14,"confidence":0.99121094,"punctuated_word":"achieve","sentiment":"positive","sentiment_score":0.3351721167564392},{"word":"that","start":1023.14,"end":1023.64,"confidence":0.99658203,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.23665016889572144},{"word":"okay","start":1028.705,"end":1029.1849,"confidence":0.9343262,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09748119115829468},{"word":"for","start":1029.1849,"end":1029.6849,"confidence":0.50439453,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.1093890517950058},{"word":"yep","start":1029.985,"end":1030.485,"confidence":0.99869794,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.10662434250116348},{"word":"okay","start":1038.5449,"end":1038.96,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17505952715873718},{"word":"okay","start":1045.36,"end":1045.76,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0744452029466629},{"word":"so","start":1045.76,"end":1046.26,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06937572360038757},{"word":"okay","start":1047.12,"end":1047.62,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07995183020830154},{"word":"so","start":1047.84,"end":1048.1599,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.058949608355760574},{"word":"should","start":1048.1599,"end":1048.32,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.05831766873598099},{"word":"i","start":1048.32,"end":1048.3999,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09752559661865234},{"word":"add","start":1048.3999,"end":1048.5599,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.11181072890758514},{"word":"on","start":1048.5599,"end":1048.7999,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08604149520397186},{"word":"all","start":1048.7999,"end":1048.96,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07836473733186722},{"word":"the","start":1048.96,"end":1049.12,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09277409315109252},{"word":"caribbean","start":1049.12,"end":1049.62,"confidence":0.99560547,"punctuated_word":"Caribbean?","sentiment":"neutral","sentiment_score":0.08153972029685974},{"word":"okay","start":1054.64,"end":1054.935,"confidence":0.9177246,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07998925447463989},{"word":"okay","start":1055.0951,"end":1055.175,"confidence":0.9055176,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0775376632809639},{"word":"2027","start":1055.175,"end":1056.3151,"confidence":0.99641925,"punctuated_word":"2027.","sentiment":"neutral","sentiment_score":0.13227644562721252},{"word":"fantastic","start":1056.6151,"end":1057.1151,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5648446679115295},{"word":"i","start":1058.8551,"end":1059.0951,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3907479345798493},{"word":"also","start":1059.0951,"end":1059.5751,"confidence":0.99902344,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.35219311714172363},{"word":"have","start":1059.5751,"end":1059.8151,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28611040115356445},{"word":"that","start":1059.8151,"end":1060.055,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31795555353164673},{"word":"you","start":1060.055,"end":1060.2151,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3463010787963867},{"word":"need","start":1060.2151,"end":1060.4551,"confidence":1.0,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.39901649951934814},{"word":"to","start":1060.4551,"end":1060.6151,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2963787019252777},{"word":"finish","start":1060.6151,"end":1060.935,"confidence":1.0,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.2590606212615967},{"word":"the","start":1060.935,"end":1061.0951,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28691160678863525},{"word":"renovations","start":1061.0951,"end":1061.5951,"confidence":0.9970703,"punctuated_word":"renovations","sentiment":"neutral","sentiment_score":0.28925836086273193},{"word":"at","start":1061.8151,"end":1062.055,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2568500339984894},{"word":"home","start":1062.055,"end":1062.555,"confidence":1.0,"punctuated_word":"Home","sentiment":"neutral","sentiment_score":0.19869330525398257},{"word":"and","start":1063.015,"end":1063.175,"confidence":0.8774414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12333747744560242},{"word":"need","start":1063.175,"end":1063.5751,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1363033801317215},{"word":"to","start":1063.5751,"end":1063.8151,"confidence":0.9614258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14656855165958405},{"word":"about","start":1063.895,"end":1064.2151,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16899308562278748},{"word":"100,000","start":1064.2151,"end":1065.175,"confidence":0.9996745,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.2629299759864807},{"word":"to","start":1065.175,"end":1065.3351,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2384817898273468},{"word":"do","start":1065.3351,"end":1065.4951,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27609384059906006},{"word":"this","start":1065.4951,"end":1065.9951,"confidence":0.9946289,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.2687344551086426},{"word":"is","start":1069.415,"end":1069.655,"confidence":0.92822266,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.17525410652160645},{"word":"that","start":1069.655,"end":1070.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2617397606372833},{"word":"still","start":1070.17,"end":1070.49,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1838817149400711},{"word":"something","start":1070.49,"end":1070.81,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.20366160571575165},{"word":"that","start":1070.81,"end":1071.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2020650953054428},{"word":"you","start":1071.05,"end":1071.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1682741641998291},{"word":"are","start":1071.21,"end":1071.37,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1628672182559967},{"word":"working","start":1071.37,"end":1071.87,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.24409863352775577},{"word":"towards","start":1071.93,"end":1072.43,"confidence":0.9980469,"punctuated_word":"towards?","sentiment":"neutral","sentiment_score":0.1906144618988037},{"word":"yep","start":1074.25,"end":1074.75,"confidence":0.89819336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10129430145025252},{"word":"any","start":1075.85,"end":1076.09,"confidence":0.9951172,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.05911422520875931},{"word":"kind","start":1076.09,"end":1076.33,"confidence":0.9350586,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.049193743616342545},{"word":"of","start":1076.33,"end":1076.5701,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09503483027219772},{"word":"time","start":1076.5701,"end":1076.81,"confidence":0.9604492,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07909713685512543},{"word":"frame","start":1076.81,"end":1077.13,"confidence":1.0,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.07347510755062103},{"word":"of","start":1077.13,"end":1077.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.047261569648981094},{"word":"when","start":1077.45,"end":1077.6901,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05070186033844948},{"word":"you","start":1077.6901,"end":1077.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07102128863334656},{"word":"think","start":1077.77,"end":1078.01,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.061043135821819305},{"word":"you","start":1078.01,"end":1078.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09683607518672945},{"word":"will","start":1078.25,"end":1078.49,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09168291091918944},{"word":"do","start":1078.49,"end":1078.65,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.112431600689888},{"word":"that","start":1078.65,"end":1078.89,"confidence":0.86816406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08226087689399719},{"word":"or","start":1078.89,"end":1079.13,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02503400295972824},{"word":"is","start":1079.13,"end":1079.29,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02500961720943451},{"word":"it","start":1079.29,"end":1079.45,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06862881034612656},{"word":"gonna","start":1079.45,"end":1079.6901,"confidence":0.9316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02287355810403824},{"word":"be","start":1079.6901,"end":1079.85,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03940924257040024},{"word":"dependent","start":1079.85,"end":1080.25,"confidence":0.9448242,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.06613512337207794},{"word":"on","start":1080.25,"end":1080.41,"confidence":0.7714844,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03654395788908005},{"word":"interest","start":1080.41,"end":1080.89,"confidence":0.9394531,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.038265638053417206},{"word":"rates","start":1080.89,"end":1081.21,"confidence":0.99609375,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.043996550142765045},{"word":"and","start":1081.21,"end":1081.71,"confidence":0.83740234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.025368906557559967},{"word":"yep","start":1084.5701,"end":1085.0701,"confidence":0.95166016,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.029901910573244095},{"word":"okay","start":1086.395,"end":1086.895,"confidence":0.98657227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.052163951098918915},{"word":"yeah","start":1091.6749,"end":1092.1549,"confidence":0.85131836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09902768582105637},{"word":"i","start":1092.1549,"end":1092.315,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1309995949268341},{"word":"think","start":1092.315,"end":1092.5549,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.19370129704475403},{"word":"this","start":1092.5549,"end":1092.7949,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25386175513267517},{"word":"is","start":1092.7949,"end":1092.875,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1746046543121338},{"word":"a","start":1092.875,"end":1093.115,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22924065589904785},{"word":"retirement","start":1093.115,"end":1093.615,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1731444001197815},{"word":"goal","start":1094.1549,"end":1094.395,"confidence":0.89990234,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.25055554509162903},{"word":"one","start":1094.395,"end":1094.715,"confidence":0.97314453,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.17831376194953918},{"word":"sorry","start":1094.715,"end":1095.0349,"confidence":0.98095703,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.02729519084095955},{"word":"there's","start":1095.0349,"end":1095.2749,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.06980759650468826},{"word":"no","start":1095.2749,"end":1095.7749,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.13151057064533234},{"word":"link","start":1099.0349,"end":1099.355,"confidence":0.8647461,"punctuated_word":"link","sentiment":"neutral","sentiment_score":-0.13722391426563263},{"word":"here","start":1099.355,"end":1099.515,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.13123545050621033},{"word":"for","start":1099.515,"end":1099.6749,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10720174014568327},{"word":"me","start":1099.6749,"end":1099.98,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0957581102848053},{"word":"to","start":1101.98,"end":1102.0778,"confidence":0.9326172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07243183255195618},{"word":"see","start":1102.0778,"end":1102.1755,"confidence":0.779541,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.09707898646593094},{"word":"but","start":1102.1755,"end":1102.2733,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.004946760833263397},{"word":"it","start":1102.2733,"end":1102.3711,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0752376914024353},{"word":"just","start":1102.3711,"end":1102.4689,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03696358948945999},{"word":"says","start":1102.4689,"end":1102.5667,"confidence":0.9980469,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.10123419761657716},{"word":"that","start":1102.5667,"end":1102.6644,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13913379609584808},{"word":"you","start":1102.6644,"end":1102.7622,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16490228474140167},{"word":"think","start":1102.7622,"end":1102.86,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.15866699814796448},{"word":"you","start":1102.86,"end":1103.1,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2350899875164032},{"word":"want","start":1103.1,"end":1103.4199,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2494201809167862},{"word":"financial","start":1103.4199,"end":1103.9,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.26326119899749756},{"word":"freedom","start":1103.9,"end":1104.4,"confidence":1.0,"punctuated_word":"freedom","sentiment":"neutral","sentiment_score":0.272050678730011},{"word":"and","start":1105.66,"end":1105.9,"confidence":0.6166992,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3729169368743897},{"word":"or","start":1105.9,"end":1106.22,"confidence":0.47753906,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.3431466519832611},{"word":"it","start":1106.38,"end":1106.46,"confidence":0.47070312,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.36916324496269226},{"word":"to","start":1106.54,"end":1106.7,"confidence":0.9111328,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3336390256881714},{"word":"in","start":1106.86,"end":1107.02,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29077020287513733},{"word":"order","start":1107.02,"end":1107.26,"confidence":0.99902344,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.2818235456943512},{"word":"to","start":1107.26,"end":1107.4199,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5181835293769836},{"word":"be","start":1107.4199,"end":1107.58,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5224170684814453},{"word":"happy","start":1107.58,"end":1107.98,"confidence":0.9885254,"punctuated_word":"happy,","sentiment":"positive","sentiment_score":0.4636079668998718},{"word":"you","start":1107.98,"end":1108.14,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5180981159210205},{"word":"wanna","start":1108.14,"end":1108.46,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5413827896118164},{"word":"be","start":1108.46,"end":1108.54,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5516467094421387},{"word":"able","start":1108.54,"end":1108.78,"confidence":0.9970703,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5535860061645508},{"word":"to","start":1108.78,"end":1109.02,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5447823405265808},{"word":"volunteer","start":1109.02,"end":1109.4199,"confidence":1.0,"punctuated_word":"volunteer","sentiment":"positive","sentiment_score":0.5268593430519104},{"word":"and","start":1109.4199,"end":1109.58,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4646273851394654},{"word":"help","start":1109.58,"end":1109.82,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.49529698491096497},{"word":"people","start":1109.82,"end":1110.14,"confidence":1.0,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.5306138396263123},{"word":"and","start":1110.14,"end":1110.38,"confidence":0.88134766,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3836826980113983},{"word":"not","start":1110.38,"end":1110.62,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.36628997325897217},{"word":"having","start":1110.62,"end":1110.86,"confidence":0.9970703,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2744331657886505},{"word":"to","start":1110.86,"end":1111.02,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18683937191963196},{"word":"work","start":1111.02,"end":1111.34,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.10331086814403534},{"word":"to","start":1111.34,"end":1111.5,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2918432950973511},{"word":"survive","start":1111.5,"end":1111.9,"confidence":1.0,"punctuated_word":"survive","sentiment":"neutral","sentiment_score":0.18397827446460724},{"word":"and","start":1111.9,"end":1112.14,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31023743748664856},{"word":"definitely","start":1112.14,"end":1112.64,"confidence":0.98828125,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3705815076828003},{"word":"do","start":1112.78,"end":1112.94,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4209154546260834},{"word":"some","start":1112.94,"end":1113.315,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.43313857913017273},{"word":"travel","start":1113.7949,"end":1114.115,"confidence":0.9614258,"punctuated_word":"travel.","sentiment":"positive","sentiment_score":0.3347182273864746},{"word":"is","start":1114.115,"end":1114.2749,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1456201821565628},{"word":"that","start":1114.2749,"end":1114.7749,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2111738324165344},{"word":"now","start":1115.235,"end":1115.735,"confidence":0.6567383,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.18607893586158752},{"word":"like","start":1116.0349,"end":1116.2749,"confidence":0.9719238,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1837504357099533},{"word":"a","start":1116.2749,"end":1116.5149,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23854371905326843},{"word":"current","start":1116.5149,"end":1116.9149,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.19541460275650024},{"word":"lifestyle","start":1116.9149,"end":1117.3949,"confidence":0.9980469,"punctuated_word":"lifestyle","sentiment":"neutral","sentiment_score":0.21005630493164065},{"word":"goal","start":1117.3949,"end":1117.715,"confidence":1.0,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.22206410765647888},{"word":"now","start":1117.715,"end":1118.215,"confidence":0.8625488,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.08427412807941437},{"word":"or","start":1118.2749,"end":1118.5149,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05278396233916283},{"word":"is","start":1118.5149,"end":1118.6749,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02010161429643631},{"word":"that","start":1118.6749,"end":1119.1749,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06224508956074715},{"word":"more","start":1119.235,"end":1119.735,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05534560605883598},{"word":"to","start":1119.7949,"end":1120.115,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06169978529214859},{"word":"so","start":1120.2749,"end":1120.4349,"confidence":0.9614258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07728134095668793},{"word":"that's","start":1120.4349,"end":1120.835,"confidence":0.98535156,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08845601975917816},{"word":"now","start":1120.835,"end":1121.335,"confidence":0.9951172,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.07197830080986023},{"word":"yep","start":1124.355,"end":1124.835,"confidence":0.71728516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11778633296489716},{"word":"okay","start":1124.835,"end":1125.335,"confidence":0.9838867,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16354531049728394},{"word":"yeah","start":1137.8,"end":1138.2,"confidence":0.97216797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10278287529945374},{"word":"yeah","start":1138.2,"end":1138.7,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12697122991085052},{"word":"i","start":1138.76,"end":1138.92,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12761276960372925},{"word":"understand","start":1138.92,"end":1139.42,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.11566610634326936},{"word":"that","start":1139.5599,"end":1140.0599,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1319710612297058},{"word":"with","start":1143.165,"end":1143.405,"confidence":0.9589844,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.23419266939163208},{"word":"your","start":1143.405,"end":1143.645,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28598788380622864},{"word":"superannuation","start":1143.645,"end":1144.145,"confidence":0.99780273,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.2503170371055603},{"word":"you've","start":1144.365,"end":1144.685,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.16739434003829956},{"word":"said","start":1144.685,"end":1144.845,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.14160370826721191},{"word":"that","start":1144.845,"end":1145.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13517314195632937},{"word":"you","start":1145.005,"end":1145.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17489567399024963},{"word":"wanna","start":1145.245,"end":1145.485,"confidence":0.93359375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2310115396976471},{"word":"be","start":1145.485,"end":1145.985,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20111745595932007},{"word":"in","start":1146.525,"end":1146.685,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20005403459072113},{"word":"a","start":1146.685,"end":1146.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16568131744861603},{"word":"strong","start":1146.845,"end":1147.245,"confidence":1.0,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.2298964262008667},{"word":"performing","start":1147.245,"end":1147.745,"confidence":0.9902344,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.27734053134918213},{"word":"platform","start":1148.125,"end":1148.525,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.22079099714756012},{"word":"with","start":1148.525,"end":1148.765,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26219338178634644},{"word":"good","start":1148.765,"end":1149.0851,"confidence":0.99609375,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2939533591270447},{"word":"investments","start":1149.0851,"end":1149.5651,"confidence":0.9892578,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.2333858758211136},{"word":"for","start":1149.5651,"end":1149.805,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2773841321468353},{"word":"growth","start":1149.805,"end":1150.045,"confidence":0.99609375,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3803021907806397},{"word":"and","start":1150.045,"end":1150.2051,"confidence":0.9013672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3068356513977051},{"word":"active","start":1150.2051,"end":1150.685,"confidence":0.99902344,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.28221505880355835},{"word":"management","start":1150.685,"end":1151.185,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.3213125169277191},{"word":"to","start":1151.405,"end":1151.5651,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20566125214099884},{"word":"try","start":1151.5651,"end":1151.805,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2788572907447815},{"word":"and","start":1151.805,"end":1151.965,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.193097785115242},{"word":"mitigate","start":1151.965,"end":1152.465,"confidence":1.0,"punctuated_word":"mitigate","sentiment":"neutral","sentiment_score":0.08362379670143127},{"word":"losses","start":1152.525,"end":1153.025,"confidence":0.9980469,"punctuated_word":"losses","sentiment":"neutral","sentiment_score":0.034732311964035034},{"word":"where","start":1154.4299,"end":1154.75,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2384864836931229},{"word":"possible","start":1154.75,"end":1155.25,"confidence":0.9794922,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.14601846039295197},{"word":"is","start":1155.63,"end":1155.95,"confidence":0.9970703,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04999766871333122},{"word":"that","start":1155.95,"end":1156.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08772286027669907},{"word":"still","start":1156.35,"end":1156.85,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05026683956384659},{"word":"relevant","start":1156.99,"end":1157.49,"confidence":0.8466797,"punctuated_word":"relevant?","sentiment":"neutral","sentiment_score":0.06068774312734604},{"word":"with","start":1160.35,"end":1160.51,"confidence":0.98828125,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.03593454509973526},{"word":"your","start":1160.51,"end":1160.83,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08790683001279831},{"word":"super","start":1160.83,"end":1161.23,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16620853543281555},{"word":"rate","start":1161.23,"end":1161.39,"confidence":0.296875,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.16815140843391418},{"word":"superannuation","start":1161.63,"end":1162.13,"confidence":0.9983724,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.11799512058496477},{"word":"fund","start":1162.59,"end":1162.99,"confidence":0.9941406,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.08846229314804077},{"word":"it","start":1162.99,"end":1163.15,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05191422253847122},{"word":"says","start":1163.15,"end":1163.39,"confidence":0.9941406,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.048050861805677414},{"word":"that","start":1163.39,"end":1163.5499,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06739705055952072},{"word":"you","start":1163.5499,"end":1163.71,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11367827653884888},{"word":"wanna","start":1163.71,"end":1164.11,"confidence":0.97509766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12725451588630676},{"word":"be","start":1164.11,"end":1164.27,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08288216590881348},{"word":"in","start":1164.27,"end":1164.51,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11001890897750854},{"word":"a","start":1164.51,"end":1164.6699,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10000017285346983},{"word":"strong","start":1164.6699,"end":1165.1699,"confidence":0.99902344,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.15143615007400513},{"word":"performing","start":1165.47,"end":1165.97,"confidence":0.9526367,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.2370651364326477},{"word":"platform","start":1166.11,"end":1166.59,"confidence":0.9980469,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.1996927559375763},{"word":"with","start":1166.59,"end":1166.83,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2101844847202301},{"word":"good","start":1166.83,"end":1167.07,"confidence":0.9902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1949569880962372},{"word":"investments","start":1167.07,"end":1167.57,"confidence":0.94628906,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.17705444991588593},{"word":"for","start":1167.7899,"end":1167.95,"confidence":0.95166016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18269610404968264},{"word":"growth","start":1167.95,"end":1168.35,"confidence":0.9863281,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.24715456366539},{"word":"and","start":1168.35,"end":1168.51,"confidence":0.89746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22125773131847384},{"word":"active","start":1168.51,"end":1168.83,"confidence":0.9921875,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.2083723545074463},{"word":"management","start":1168.83,"end":1169.325,"confidence":0.8178711,"punctuated_word":"management,","sentiment":"neutral","sentiment_score":0.15242907404899597},{"word":"retirement","start":1180.605,"end":1181.105,"confidence":0.98095703,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08900205045938492},{"word":"goal","start":1181.485,"end":1181.985,"confidence":0.9951172,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.0839124321937561},{"word":"i","start":1182.6201,"end":1182.78,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08022157847881317},{"word":"have","start":1182.78,"end":1183.02,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0881141796708107},{"word":"you","start":1183.02,"end":1183.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09689827263355257},{"word":"wanting","start":1183.5801,"end":1183.9801,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.07376950979232788},{"word":"to","start":1183.9801,"end":1184.2201,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12202195823192596},{"word":"retire","start":1184.2201,"end":1184.7201,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.08657243847846985},{"word":"between","start":1185.02,"end":1185.3401,"confidence":0.9902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.1239427775144577},{"word":"the","start":1185.3401,"end":1185.42,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09810121357440948},{"word":"ages","start":1185.42,"end":1185.8201,"confidence":0.99902344,"punctuated_word":"ages","sentiment":"neutral","sentiment_score":0.09244097769260406},{"word":"of","start":1185.8201,"end":1186.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1261509358882904},{"word":"60","start":1186.06,"end":1186.54,"confidence":1.0,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.10683459043502808},{"word":"to","start":1186.54,"end":1186.78,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05863212049007416},{"word":"65","start":1186.78,"end":1187.7401,"confidence":1.0,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.10621772706508636},{"word":"years","start":1187.7401,"end":1188.2201,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.06455934047698975},{"word":"old","start":1188.2201,"end":1188.7201,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.06385426223278046},{"word":"with","start":1189.1001,"end":1189.3401,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08108429610729218},{"word":"an","start":1189.3401,"end":1189.66,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09146618098020554},{"word":"income","start":1189.66,"end":1190.16,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12691128253936768},{"word":"of","start":1190.38,"end":1190.7001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09510324895381927},{"word":"2,000","start":1190.7001,"end":1191.4401,"confidence":1.0,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.12066534906625748},{"word":"per","start":1191.5,"end":1191.8201,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.09999217092990877},{"word":"week","start":1191.8201,"end":1192.3201,"confidence":0.9921875,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.08333185315132141},{"word":"yeah","start":1194.4601,"end":1194.885,"confidence":0.80371094,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.05741770192980766},{"word":"is","start":1194.965,"end":1195.125,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.037000514566898346},{"word":"that","start":1195.125,"end":1195.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06176751106977463},{"word":"2,000","start":1195.365,"end":1196.245,"confidence":0.9995117,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.0591045506298542},{"word":"for","start":1196.245,"end":1196.745,"confidence":0.9223633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.027853410691022873},{"word":"you","start":1197.205,"end":1197.4451,"confidence":0.4428711,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0297049917280674},{"word":"and","start":1197.4451,"end":1197.605,"confidence":0.81591797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030658964067697525},{"word":"timothy","start":1197.605,"end":1198.105,"confidence":0.986084,"punctuated_word":"Timothy?","sentiment":"neutral","sentiment_score":0.028066514059901237},{"word":"yeah","start":1205.4451,"end":1205.9451,"confidence":0.95092773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.095479354262352},{"word":"mhmm","start":1212.05,"end":1212.55,"confidence":0.9857178,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.045842159539461136},{"word":"yeah","start":1212.61,"end":1213.0901,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023729555308818817},{"word":"uh-huh","start":1213.0901,"end":1213.41,"confidence":0.86992186,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.022301778197288513},{"word":"yep","start":1213.41,"end":1213.91,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.002041589468717575},{"word":"per","start":1214.77,"end":1215.0901,"confidence":0.7890625,"punctuated_word":"Per","sentiment":"neutral","sentiment_score":-0.013764344155788422},{"word":"week","start":1215.0901,"end":1215.5701,"confidence":0.89404297,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.013197326101362703},{"word":"okay","start":1215.5701,"end":1216.0701,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.009429018944501877},{"word":"combined","start":1216.4501,"end":1216.9501,"confidence":0.95947266,"punctuated_word":"Combined","sentiment":"neutral","sentiment_score":-0.033847734332084656},{"word":"with","start":1217.17,"end":1217.67,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03603418171405792},{"word":"mortgage","start":1217.81,"end":1218.31,"confidence":0.6263428,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.0299509447067976},{"word":"the","start":1218.61,"end":1218.85,"confidence":0.54589844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04239646345376968},{"word":"paid","start":1218.85,"end":1219.35,"confidence":0.82250977,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.04752392694354057},{"word":"i","start":1220.235,"end":1220.395,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06833349168300629},{"word":"guess","start":1220.395,"end":1220.715,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.06114386022090912},{"word":"with","start":1220.715,"end":1221.115,"confidence":0.82714844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.041459232568740845},{"word":"the","start":1221.115,"end":1221.515,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04489991441369057},{"word":"that","start":1221.675,"end":1221.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04606208950281143},{"word":"probably","start":1221.995,"end":1222.475,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.06092169135808945},{"word":"leads","start":1222.475,"end":1222.715,"confidence":0.9980469,"punctuated_word":"leads","sentiment":"neutral","sentiment_score":-0.0446573831140995},{"word":"me","start":1222.715,"end":1222.875,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.06721847504377365},{"word":"into","start":1222.875,"end":1223.195,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06404806673526764},{"word":"a","start":1223.195,"end":1223.355,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05867829546332359},{"word":"different","start":1223.355,"end":1223.675,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.09147021174430849},{"word":"question","start":1223.675,"end":1224.175,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.07981941848993301},{"word":"or","start":1224.235,"end":1224.555,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06368959695100784},{"word":"a","start":1224.555,"end":1224.635,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05680937319993973},{"word":"different","start":1224.635,"end":1224.955,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.06917275488376617},{"word":"conversation","start":1224.955,"end":1225.455,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.06348280608654022},{"word":"as","start":1225.595,"end":1225.755,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05615805089473725},{"word":"well","start":1225.755,"end":1226.255,"confidence":0.9807129,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.04093882814049721},{"word":"with","start":1226.955,"end":1227.195,"confidence":0.99902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.04180338606238365},{"word":"your","start":1227.195,"end":1227.595,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.028156939893960953},{"word":"home","start":1227.595,"end":1228.095,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.02786117047071457},{"word":"and","start":1228.635,"end":1229.135,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02875477820634842},{"word":"the","start":1229.355,"end":1229.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028994131833314896},{"word":"long","start":1229.675,"end":1229.995,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0034301728010177612},{"word":"term","start":1229.995,"end":1230.395,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.023066021502017975},{"word":"plans","start":1230.395,"end":1230.895,"confidence":0.82592773,"punctuated_word":"plans,","sentiment":"neutral","sentiment_score":-0.027879085391759872},{"word":"with","start":1232.475,"end":1232.635,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.026333823800086975},{"word":"the","start":1232.635,"end":1232.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012818485498428345},{"word":"kids","start":1232.795,"end":1233.195,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.01705019176006317},{"word":"getting","start":1233.195,"end":1233.595,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.03663475066423416},{"word":"older","start":1233.595,"end":1234.095,"confidence":0.99560547,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":-0.019335102289915085},{"word":"what","start":1235.03,"end":1235.27,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.04838841035962105},{"word":"is","start":1235.27,"end":1235.59,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06873278319835663},{"word":"yours","start":1235.59,"end":1235.9099,"confidence":0.9770508,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.0409013070166111},{"word":"and","start":1235.9099,"end":1236.07,"confidence":0.8798828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05084024369716644},{"word":"timothy's","start":1236.07,"end":1236.57,"confidence":0.97875977,"punctuated_word":"Timothy's","sentiment":"neutral","sentiment_score":-0.0316445454955101},{"word":"plans","start":1236.63,"end":1237.13,"confidence":0.9536133,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":-0.010087326169013975},{"word":"with","start":1237.27,"end":1237.51,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.027794666588306427},{"word":"the","start":1237.51,"end":1237.6699,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018771842122077945},{"word":"home","start":1237.6699,"end":1237.99,"confidence":0.9975586,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":-0.04239637404680252},{"word":"would","start":1237.99,"end":1238.23,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.10060857236385344},{"word":"you","start":1238.23,"end":1238.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07914674282073975},{"word":"be","start":1238.47,"end":1238.63,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09700625389814375},{"word":"looking","start":1238.63,"end":1239.03,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.08815714716911316},{"word":"to","start":1239.03,"end":1239.27,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08388039469718933},{"word":"downsize","start":1239.27,"end":1239.77,"confidence":1.0,"punctuated_word":"downsize","sentiment":"neutral","sentiment_score":-0.11832880973815918},{"word":"at","start":1239.99,"end":1240.15,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11421281844377518},{"word":"any","start":1240.15,"end":1240.39,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05361513793468475},{"word":"point","start":1240.39,"end":1240.63,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.06162413954734802},{"word":"in","start":1240.63,"end":1240.7899,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06637527793645859},{"word":"time","start":1240.7899,"end":1241.19,"confidence":0.99902344,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":-0.07996122539043427},{"word":"would","start":1241.19,"end":1241.35,"confidence":0.9970703,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.14774039387702942},{"word":"you","start":1241.35,"end":1241.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16255345940589905},{"word":"be","start":1241.59,"end":1241.6699,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1728070229291916},{"word":"what","start":1242.71,"end":1243.03,"confidence":0.7661133,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19488003849983215},{"word":"have","start":1243.19,"end":1243.4299,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18349424004554749},{"word":"you","start":1243.4299,"end":1243.6699,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15697306394577026},{"word":"thought","start":1243.6699,"end":1243.99,"confidence":0.9970703,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.1948282420635223},{"word":"about","start":1243.99,"end":1244.3099,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.17739500105381012},{"word":"those","start":1244.3099,"end":1244.63,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.12984825670719147},{"word":"types","start":1244.63,"end":1244.95,"confidence":1.0,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.14961659908294678},{"word":"of","start":1244.95,"end":1245.45,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16748200356960297},{"word":"yep","start":1268.28,"end":1268.78,"confidence":0.89941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.033241644501686096},{"word":"yep","start":1283.655,"end":1284.155,"confidence":0.88378906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023697569966316223},{"word":"okay","start":1284.295,"end":1284.795,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.023337846621870995},{"word":"and","start":1285.3,"end":1285.54,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00622001476585865},{"word":"is","start":1285.54,"end":1285.78,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0024311766028404236},{"word":"timothy","start":1285.78,"end":1286.28,"confidence":0.9980469,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":0.017368562519550323},{"word":"self","start":1286.58,"end":1286.98,"confidence":0.99902344,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.04603980481624603},{"word":"employed","start":1286.98,"end":1287.38,"confidence":0.99902344,"punctuated_word":"employed?","sentiment":"neutral","sentiment_score":0.02319154515862465},{"word":"sorry","start":1287.38,"end":1287.54,"confidence":0.99658203,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09981308877468108},{"word":"i","start":1287.54,"end":1287.7001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1133708506822586},{"word":"just","start":1287.7001,"end":1287.86,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10383408516645432},{"word":"don't","start":1287.86,"end":1288.1,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1215590238571167},{"word":"know","start":1288.1,"end":1288.26,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12255080044269562},{"word":"much","start":1288.26,"end":1288.5,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.09460480511188508},{"word":"about","start":1288.5,"end":1288.74,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07012052088975906},{"word":"timothy","start":1288.74,"end":1289.22,"confidence":0.99902344,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":-0.03414495661854744},{"word":"from","start":1289.22,"end":1289.38,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07269309461116791},{"word":"these","start":1289.38,"end":1289.7001,"confidence":0.99316406,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.05869068577885628},{"word":"notes","start":1289.7001,"end":1290.02,"confidence":1.0,"punctuated_word":"notes.","sentiment":"neutral","sentiment_score":-0.04853899031877518},{"word":"i'm","start":1290.02,"end":1290.18,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.028533875942230225},{"word":"just","start":1290.18,"end":1290.42,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02617422491312027},{"word":"trying","start":1290.42,"end":1290.8201,"confidence":0.99121094,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.0051055364310741425},{"word":"he","start":1290.9,"end":1291.14,"confidence":0.8745117,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.04186894744634628},{"word":"is","start":1291.14,"end":1291.64,"confidence":0.7753906,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.03123195841908455},{"word":"okay","start":1292.9,"end":1293.4,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04970508813858032},{"word":"so","start":1293.54,"end":1293.86,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04639177769422531},{"word":"his","start":1293.86,"end":1294.26,"confidence":0.9838867,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.05219539627432823},{"word":"income","start":1294.26,"end":1294.76,"confidence":0.95214844,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.06352262943983078},{"word":"you","start":1295.22,"end":1295.38,"confidence":0.62158203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050226256251335144},{"word":"said","start":1295.38,"end":1295.62,"confidence":0.9589844,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.04697282612323761},{"word":"is","start":1295.62,"end":1295.78,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04424379765987396},{"word":"about","start":1295.78,"end":1296.28,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02848076820373535},{"word":"71","start":1296.34,"end":1297.06,"confidence":0.9172363,"punctuated_word":"71,","sentiment":"neutral","sentiment_score":0.05064091086387634},{"word":"around","start":1297.06,"end":1297.3,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.057406023144721985},{"word":"the","start":1297.3,"end":1297.46,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0640416294336319},{"word":"same","start":1297.46,"end":1297.7001,"confidence":0.9941406,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.09010780602693558},{"word":"as","start":1297.7001,"end":1297.9401,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.064854696393013},{"word":"yours","start":1297.9401,"end":1298.34,"confidence":0.99609375,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":0.04947220906615257},{"word":"does","start":1298.34,"end":1298.38,"confidence":0.96972656,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.017382781952619553},{"word":"he","start":1298.38,"end":1298.4199,"confidence":0.9633789,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.03210709989070892},{"word":"get","start":1298.4199,"end":1298.46,"confidence":0.9326172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0053892359137535095},{"word":"any","start":1298.46,"end":1298.5,"confidence":0.8676758,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02693597599864006},{"word":"additional","start":1298.5,"end":1298.5399,"confidence":0.5097656,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.000736042857170105},{"word":"income","start":1298.5399,"end":1298.58,"confidence":0.875,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0015030428767204285},{"word":"of","start":1298.58,"end":1298.83,"confidence":0.6748047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030180364847183228},{"word":"any","start":1298.83,"end":1299.33,"confidence":0.8017578,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.006178881973028183},{"word":"additional","start":1299.695,"end":1300.175,"confidence":0.9350586,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.00935652107000351},{"word":"income","start":1300.175,"end":1300.575,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0028748437762260437},{"word":"of","start":1300.575,"end":1300.815,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012583933770656586},{"word":"any","start":1300.815,"end":1301.135,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.010582152754068376},{"word":"sort","start":1301.135,"end":1301.635,"confidence":0.9975586,"punctuated_word":"sort?","sentiment":"neutral","sentiment_score":-0.0057082343846559525},{"word":"yep","start":1304.975,"end":1305.475,"confidence":0.95751953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0768950879573822},{"word":"yep","start":1307.0549,"end":1307.5549,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14826855063438416},{"word":"okay","start":1318.3401,"end":1318.8401,"confidence":0.782959,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1325855851173401},{"word":"no","start":1318.98,"end":1319.2201,"confidence":0.94140625,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.10679040849208832},{"word":"worries","start":1319.2201,"end":1319.7201,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.17572090029716492},{"word":"okay","start":1321.14,"end":1321.64,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.22028891742229464},{"word":"alright","start":1322.1,"end":1322.6,"confidence":0.9995117,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.32856234908103943},{"word":"so","start":1323.14,"end":1323.38,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2961725890636444},{"word":"what","start":1323.38,"end":1323.54,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.35287660360336304},{"word":"we","start":1323.54,"end":1323.78,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3179413676261902},{"word":"might","start":1323.78,"end":1323.9401,"confidence":1.0,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.3968708515167236},{"word":"do","start":1323.9401,"end":1324.1,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3778102099895478},{"word":"is","start":1324.1,"end":1324.3401,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34259143471717834},{"word":"just","start":1324.3401,"end":1324.5,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3685737550258637},{"word":"keep","start":1324.5,"end":1325.0,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.39016300439834595},{"word":"touching","start":1325.38,"end":1325.88,"confidence":0.9980469,"punctuated_word":"touching","sentiment":"positive","sentiment_score":0.3388045132160187},{"word":"base","start":1325.9401,"end":1326.4401,"confidence":0.99902344,"punctuated_word":"base","sentiment":"positive","sentiment_score":0.3485688865184784},{"word":"on","start":1326.5,"end":1327.0,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3569559156894684},{"word":"just","start":1328.5,"end":1328.74,"confidence":0.98828125,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3760093152523041},{"word":"keep","start":1328.74,"end":1328.98,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.31616535782814026},{"word":"track","start":1328.98,"end":1329.3,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.280102014541626},{"word":"of","start":1329.3,"end":1329.78,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3920460045337677},{"word":"the","start":1329.78,"end":1330.1,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35586169362068176},{"word":"mortgage","start":1330.1,"end":1330.6,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.2895376682281494},{"word":"repayments","start":1330.875,"end":1331.375,"confidence":0.9655762,"punctuated_word":"repayments","sentiment":"positive","sentiment_score":0.394733726978302},{"word":"and","start":1331.435,"end":1331.675,"confidence":0.9707031,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3718482255935669},{"word":"how","start":1331.675,"end":1331.995,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.3300933241844177},{"word":"you're","start":1331.995,"end":1332.495,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3686718344688415},{"word":"going","start":1332.955,"end":1333.275,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4439607858657837},{"word":"with","start":1333.275,"end":1333.435,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.35292932391166687},{"word":"it","start":1333.435,"end":1333.835,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3394153416156769},{"word":"at","start":1333.835,"end":1333.915,"confidence":0.9770508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2803507149219513},{"word":"our","start":1333.915,"end":1334.155,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.30225932598114014},{"word":"regular","start":1334.155,"end":1334.635,"confidence":0.99902344,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.26947715878486633},{"word":"reviews","start":1334.635,"end":1335.135,"confidence":0.9921875,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.20633408427238464},{"word":"or","start":1335.1951,"end":1335.355,"confidence":0.56347656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2637847065925598},{"word":"if","start":1335.355,"end":1335.855,"confidence":0.9472656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2478114068508148},{"word":"it's","start":1336.075,"end":1336.235,"confidence":0.7319336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19650256633758545},{"word":"during","start":1336.235,"end":1336.715,"confidence":0.9350586,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.18894296884536743},{"word":"even","start":1336.875,"end":1337.115,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.14956572651863098},{"word":"during","start":1337.115,"end":1337.435,"confidence":1.0,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.16561438143253326},{"word":"the","start":1337.435,"end":1337.515,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1826387196779251},{"word":"time","start":1337.515,"end":1337.835,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17056235671043396},{"word":"between","start":1337.835,"end":1338.155,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.11016730219125748},{"word":"our","start":1338.155,"end":1338.3151,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.13992926478385925},{"word":"regular","start":1338.3151,"end":1338.795,"confidence":0.9980469,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.14892861247062683},{"word":"reviews","start":1338.795,"end":1339.1951,"confidence":0.907959,"punctuated_word":"reviews,","sentiment":"neutral","sentiment_score":0.12412463128566742},{"word":"if","start":1339.1951,"end":1339.435,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2076459378004074},{"word":"there's","start":1339.435,"end":1339.935,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.13822099566459656},{"word":"some","start":1340.235,"end":1340.555,"confidence":0.98828125,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07430610060691833},{"word":"issues","start":1340.555,"end":1340.955,"confidence":0.9951172,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.014125481247901917},{"word":"and","start":1340.955,"end":1341.275,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0332183837890625},{"word":"struggling","start":1341.275,"end":1341.775,"confidence":0.9892578,"punctuated_word":"struggling","sentiment":"neutral","sentiment_score":-0.07690970599651337},{"word":"financially","start":1343.115,"end":1343.58,"confidence":0.5683594,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":-0.07463708519935608},{"word":"or","start":1343.82,"end":1343.98,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07755723595619202},{"word":"financial","start":1343.98,"end":1344.48,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.1301451027393341},{"word":"stress","start":1344.5399,"end":1345.0399,"confidence":0.9448242,"punctuated_word":"stress,","sentiment":"neutral","sentiment_score":-0.007587220519781113},{"word":"reach","start":1346.46,"end":1346.7,"confidence":0.9428711,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.08834375441074371},{"word":"out","start":1346.7,"end":1347.0199,"confidence":0.8120117,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.14107471704483032},{"word":"and","start":1347.0199,"end":1347.5199,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19337467849254608},{"word":"we'll","start":1348.2999,"end":1348.62,"confidence":0.9667969,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.19354012608528137},{"word":"see","start":1348.62,"end":1348.7799,"confidence":0.99316406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16576208174228668},{"word":"what","start":1348.7799,"end":1348.94,"confidence":0.9873047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1385996639728546},{"word":"we","start":1348.94,"end":1349.1799,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0899629145860672},{"word":"if","start":1350.7799,"end":1350.86,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13693170249462128},{"word":"there's","start":1350.86,"end":1351.1,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1355953812599182},{"word":"anything","start":1351.1,"end":1351.4199,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.17666620016098022},{"word":"that","start":1351.4199,"end":1351.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15370389819145203},{"word":"we","start":1351.58,"end":1351.74,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14512352645397186},{"word":"can","start":1351.74,"end":1351.98,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16188478469848633},{"word":"do","start":1351.98,"end":1352.2999,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17861631512641907},{"word":"or","start":1352.2999,"end":1352.62,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19572992622852323},{"word":"action","start":1352.62,"end":1353.12,"confidence":0.99902344,"punctuated_word":"action","sentiment":"neutral","sentiment_score":0.1560821384191513},{"word":"to","start":1353.82,"end":1354.32,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17897769808769226},{"word":"assist","start":1354.38,"end":1354.88,"confidence":0.98999023,"punctuated_word":"assist.","sentiment":"neutral","sentiment_score":0.15519066154956818},{"word":"so","start":1355.1,"end":1355.6,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17934641242027283},{"word":"i'll","start":1355.82,"end":1355.8999,"confidence":0.9921875,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17921367287635803},{"word":"leave","start":1355.8999,"end":1356.14,"confidence":0.9970703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.13918611407279968},{"word":"those","start":1356.14,"end":1356.46,"confidence":0.9013672,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1963786482810974},{"word":"there","start":1356.46,"end":1356.7,"confidence":0.9765625,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15344494581222534},{"word":"outside","start":1356.7,"end":1357.1799,"confidence":0.99609375,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.19174282252788544},{"word":"of","start":1357.1799,"end":1357.26,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1677229404449463},{"word":"those","start":1357.26,"end":1357.58,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17168831825256348},{"word":"goals","start":1357.58,"end":1357.82,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.15849527716636658},{"word":"and","start":1357.82,"end":1357.98,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18675388395786283},{"word":"objectives","start":1357.98,"end":1358.46,"confidence":0.9926758,"punctuated_word":"objectives,","sentiment":"neutral","sentiment_score":0.1568986028432846},{"word":"is","start":1358.46,"end":1358.685,"confidence":0.70410156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13194943964481354},{"word":"there","start":1358.765,"end":1359.005,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20771902799606323},{"word":"anything","start":1359.005,"end":1359.405,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.27893564105033875},{"word":"else","start":1359.405,"end":1359.805,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.23161381483078003},{"word":"that","start":1359.805,"end":1360.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16369955241680145},{"word":"you're","start":1360.045,"end":1360.545,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1234254240989685},{"word":"wanting","start":1361.165,"end":1361.645,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.11055132746696472},{"word":"to","start":1361.645,"end":1362.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15313512086868286},{"word":"achieve","start":1363.3251,"end":1363.805,"confidence":0.68359375,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.21199718117713928},{"word":"in","start":1363.805,"end":1363.9651,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16074427962303162},{"word":"the","start":1363.9651,"end":1364.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17643174529075625},{"word":"next","start":1364.125,"end":1364.625,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.12279440462589264},{"word":"short","start":1364.925,"end":1365.2451,"confidence":0.9970703,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.12965694069862366},{"word":"to","start":1365.2451,"end":1365.405,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08020215481519699},{"word":"long","start":1365.405,"end":1365.7251,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1419762372970581},{"word":"term","start":1365.7251,"end":1366.2251,"confidence":0.9975586,"punctuated_word":"term?","sentiment":"neutral","sentiment_score":0.08259975165128708},{"word":"yep","start":1373.0851,"end":1373.46,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.055762361735105515},{"word":"yeah","start":1384.34,"end":1384.84,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10329566150903702},{"word":"understand","start":1388.1,"end":1388.6,"confidence":0.9797363,"punctuated_word":"Understand.","sentiment":"neutral","sentiment_score":0.07296845316886902},{"word":"understand","start":1389.025,"end":1389.525,"confidence":0.99902344,"punctuated_word":"Understand.","sentiment":"neutral","sentiment_score":0.05195542424917221},{"word":"okay","start":1389.905,"end":1390.385,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07707863301038742},{"word":"so","start":1390.385,"end":1390.885,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05807432904839516},{"word":"with","start":1391.825,"end":1392.065,"confidence":0.7363281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06658977270126343},{"word":"your","start":1392.065,"end":1392.465,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05093175172805786},{"word":"insurances","start":1392.465,"end":1392.965,"confidence":0.9996745,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.06483805179595947},{"word":"you","start":1393.905,"end":1394.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050063930451869965},{"word":"have","start":1394.225,"end":1394.625,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05973992496728897},{"word":"life","start":1394.625,"end":1395.025,"confidence":0.9658203,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06363466382026672},{"word":"tpd","start":1395.025,"end":1395.525,"confidence":0.8154297,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.06917618215084076},{"word":"and","start":1395.585,"end":1395.745,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0651523619890213},{"word":"income","start":1395.745,"end":1396.145,"confidence":0.96875,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08019064366817474},{"word":"protection","start":1396.145,"end":1396.645,"confidence":0.9592285,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.0828125923871994},{"word":"that's","start":1398.065,"end":1398.545,"confidence":0.98999023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05556311458349228},{"word":"through","start":1398.545,"end":1398.785,"confidence":0.9863281,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05811915546655655},{"word":"your","start":1398.785,"end":1399.025,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09830590337514876},{"word":"superannuation","start":1399.025,"end":1399.525,"confidence":0.9970703,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.0978638082742691},{"word":"fund","start":1400.225,"end":1400.705,"confidence":0.93603516,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10549896210432053},{"word":"that's","start":1400.705,"end":1401.025,"confidence":0.82666016,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06779814511537552},{"word":"paid","start":1401.025,"end":1401.345,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.08463715016841888},{"word":"for","start":1401.345,"end":1401.845,"confidence":0.84375,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.014829536899924278},{"word":"and","start":1403.5499,"end":1404.0299,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01744985580444336},{"word":"your","start":1404.0299,"end":1404.5299,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011527717113494871},{"word":"life","start":1405.3099,"end":1405.63,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.005094990134239197},{"word":"insurance","start":1405.63,"end":1406.11,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.03801086544990539},{"word":"and","start":1406.11,"end":1406.27,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016269855201244354},{"word":"tpd","start":1406.27,"end":1406.75,"confidence":0.9555664,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.0011251047253608704},{"word":"sum","start":1406.75,"end":1406.99,"confidence":0.9277344,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.02379806712269783},{"word":"insured","start":1406.99,"end":1407.39,"confidence":0.98095703,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.0009034723043441772},{"word":"is","start":1407.39,"end":1407.63,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.010626081377267838},{"word":"just","start":1407.63,"end":1408.13,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01600020006299019},{"word":"over","start":1408.83,"end":1409.3099,"confidence":0.97265625,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.00624581053853035},{"word":"1,500,000","start":1409.3099,"end":1410.61,"confidence":0.9987793,"punctuated_word":"1,500,000.","sentiment":"neutral","sentiment_score":-0.0010315850377082825},{"word":"so","start":1410.83,"end":1411.07,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.005710583180189133},{"word":"looking","start":1411.07,"end":1411.3099,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.006365995854139328},{"word":"at","start":1411.3099,"end":1411.5499,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0034306272864341736},{"word":"your","start":1411.5499,"end":1412.0499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.012555539608001707},{"word":"debt","start":1412.6699,"end":1413.1699,"confidence":0.98999023,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":0.011120829731225967},{"word":"that","start":1413.63,"end":1413.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028380177915096283},{"word":"looks","start":1413.87,"end":1414.11,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.011828701943159103},{"word":"like","start":1414.11,"end":1414.4299,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.016671396791934967},{"word":"debt","start":1414.4299,"end":1414.6699,"confidence":0.9506836,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.018986880779266357},{"word":"would","start":1414.6699,"end":1414.9099,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05987666919827461},{"word":"be","start":1414.9099,"end":1415.07,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08407223224639893},{"word":"that","start":1415.23,"end":1415.5499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0768522098660469},{"word":"figure","start":1415.5499,"end":1415.87,"confidence":0.99121094,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.08478175103664398},{"word":"will","start":1415.87,"end":1416.0299,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06421453505754471},{"word":"repay","start":1416.0299,"end":1416.51,"confidence":0.99902344,"punctuated_word":"repay","sentiment":"neutral","sentiment_score":-0.0033959150314331055},{"word":"debt","start":1416.51,"end":1417.01,"confidence":0.85791016,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":0.029533106833696365},{"word":"and","start":1417.3099,"end":1417.47,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07821318507194519},{"word":"then","start":1417.47,"end":1417.63,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08472971618175507},{"word":"you'll","start":1417.63,"end":1417.7899,"confidence":0.9970703,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09373779594898224},{"word":"have","start":1417.7899,"end":1417.95,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10106246173381804},{"word":"your","start":1417.95,"end":1418.295,"confidence":0.9291992,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10571026802062988},{"word":"super","start":1418.4551,"end":1418.615,"confidence":0.7651367,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.157193124294281},{"word":"your","start":1418.6951,"end":1419.1951,"confidence":0.64404297,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08487497270107269},{"word":"superannuation","start":1419.255,"end":1419.755,"confidence":0.9324544,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.08388747274875641},{"word":"balance","start":1420.055,"end":1420.555,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.03823278844356537},{"word":"repaid","start":1420.8551,"end":1421.3551,"confidence":0.99609375,"punctuated_word":"repaid","sentiment":"neutral","sentiment_score":0.03135605901479721},{"word":"i","start":1422.4551,"end":1422.535,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024575479328632355},{"word":"mean","start":1422.535,"end":1422.8551,"confidence":0.9848633,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03010397031903267},{"word":"paid","start":1422.8551,"end":1423.3551,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.038092829287052155},{"word":"left","start":1423.415,"end":1423.655,"confidence":0.45703125,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.02371414750814438},{"word":"over","start":1423.655,"end":1423.9751,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07518859207630157},{"word":"to","start":1423.9751,"end":1424.055,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07415314763784409},{"word":"your","start":1424.055,"end":1424.535,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0443008616566658},{"word":"beneficiaries","start":1424.535,"end":1425.035,"confidence":0.98657227,"punctuated_word":"beneficiaries.","sentiment":"neutral","sentiment_score":0.06810976564884186},{"word":"is","start":1427.895,"end":1428.055,"confidence":0.9614258,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.28227680921554565},{"word":"that","start":1428.055,"end":1428.535,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3285803198814392},{"word":"how","start":1428.535,"end":1428.775,"confidence":0.53564453,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.3722604811191559},{"word":"is","start":1429.015,"end":1429.415,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4343996942043304},{"word":"is","start":1429.415,"end":1429.655,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28630590438842773},{"word":"that","start":1429.655,"end":1429.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27638882398605347},{"word":"are","start":1430.055,"end":1430.2151,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.32589012384414673},{"word":"you","start":1430.2151,"end":1430.4551,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35045135021209717},{"word":"happy","start":1430.4551,"end":1430.775,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.3313489854335785},{"word":"with","start":1430.775,"end":1430.935,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.36256372928619385},{"word":"that","start":1430.935,"end":1431.175,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4090193808078766},{"word":"level","start":1431.175,"end":1431.415,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.3843330144882202},{"word":"of","start":1431.415,"end":1431.655,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3197838068008423},{"word":"cover","start":1431.655,"end":1432.055,"confidence":0.9995117,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":0.27714043855667114},{"word":"did","start":1432.055,"end":1432.26,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.057607583701610565},{"word":"you","start":1432.26,"end":1432.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08239313215017319},{"word":"need","start":1432.5,"end":1432.74,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.048557594418525696},{"word":"to","start":1432.74,"end":1432.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06377521902322769},{"word":"increase","start":1432.98,"end":1433.46,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.03556711971759796},{"word":"it","start":1433.46,"end":1433.96,"confidence":1.0,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.0021559465676546097},{"word":"yep","start":1434.74,"end":1435.24,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05573536455631256},{"word":"mhmm","start":1446.5,"end":1446.735,"confidence":0.9992676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.15854068100452423},{"word":"yep","start":1449.775,"end":1450.1749,"confidence":0.8125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07675020396709442},{"word":"okay","start":1450.1749,"end":1450.575,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0809457078576088},{"word":"so","start":1450.575,"end":1450.815,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0730193555355072},{"word":"on","start":1450.815,"end":1450.975,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08796090632677078},{"word":"that","start":1450.975,"end":1451.295,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12804317474365234},{"word":"note","start":1451.295,"end":1451.795,"confidence":0.9995117,"punctuated_word":"note,","sentiment":"neutral","sentiment_score":0.05069475248456001},{"word":"we","start":1452.575,"end":1452.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06531484425067902},{"word":"have","start":1452.815,"end":1453.315,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06926718354225159},{"word":"your","start":1453.775,"end":1454.095,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08544433861970901},{"word":"beneficiary","start":1454.095,"end":1454.595,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.09693843126296996},{"word":"nominations","start":1454.735,"end":1455.235,"confidence":1.0,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.09168104827404022},{"word":"for","start":1455.375,"end":1455.615,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08554811030626297},{"word":"your","start":1455.615,"end":1455.9349,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08683154731988907},{"word":"super","start":1455.9349,"end":1456.4349,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14610469341278076},{"word":"and","start":1456.495,"end":1456.815,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06947427988052368},{"word":"your","start":1456.815,"end":1457.215,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07398706674575806},{"word":"life","start":1457.215,"end":1457.615,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.11780984699726103},{"word":"insurance","start":1457.615,"end":1458.115,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.09138526022434236},{"word":"being","start":1458.415,"end":1458.895,"confidence":0.9716797,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05583405867218971},{"word":"50%","start":1458.895,"end":1459.795,"confidence":0.9995117,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.06743288040161133},{"word":"to","start":1459.855,"end":1460.1749,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08191971480846405},{"word":"timothy","start":1460.1749,"end":1460.6749,"confidence":0.9970703,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":0.047708552330732346},{"word":"and","start":1460.895,"end":1461.36,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.041071705520153046},{"word":"25%","start":1461.44,"end":1462.64,"confidence":0.9996745,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.07145632803440094},{"word":"to","start":1462.64,"end":1463.14,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07747393846511841},{"word":"kobe","start":1464.08,"end":1464.5599,"confidence":0.6743164,"punctuated_word":"Kobe","sentiment":"neutral","sentiment_score":0.07830755412578583},{"word":"and","start":1464.5599,"end":1464.7999,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05293077230453491},{"word":"25%","start":1464.7999,"end":1465.6799,"confidence":0.9996745,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.08333572745323181},{"word":"to","start":1465.6799,"end":1465.92,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09569036960601808},{"word":"kiani","start":1465.92,"end":1466.42,"confidence":0.80061847,"punctuated_word":"Kiani.","sentiment":"neutral","sentiment_score":0.07990850508213043},{"word":"did","start":1466.96,"end":1467.2,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.054161883890628815},{"word":"you","start":1467.2,"end":1467.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015032317489385605},{"word":"want","start":1467.36,"end":1467.6799,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.006697610020637512},{"word":"to","start":1467.6799,"end":1467.92,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011670604348182678},{"word":"leave","start":1467.92,"end":1468.32,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.002992730587720871},{"word":"them","start":1468.32,"end":1468.64,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.003817792981863022},{"word":"that","start":1468.64,"end":1468.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005284760147333145},{"word":"way","start":1468.88,"end":1469.28,"confidence":0.93066406,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.003139866515994072},{"word":"or","start":1469.28,"end":1469.52,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.017849251627922058},{"word":"did","start":1469.52,"end":1469.6799,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02689708396792412},{"word":"you","start":1469.6799,"end":1469.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0033763498067855835},{"word":"want","start":1469.92,"end":1470.16,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0015331991016864777},{"word":"to","start":1470.16,"end":1470.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007699586451053619},{"word":"have","start":1470.64,"end":1470.96,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.015813086181879044},{"word":"timothy","start":1470.96,"end":1471.46,"confidence":0.99902344,"punctuated_word":"Timothy","sentiment":"neutral","sentiment_score":0.003483399748802185},{"word":"as","start":1471.6,"end":1471.84,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.005132503807544708},{"word":"the","start":1471.84,"end":1472.08,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0007314905524253845},{"word":"beneficiary","start":1472.08,"end":1472.58,"confidence":0.9707031,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.0282861590385437},{"word":"so","start":1472.72,"end":1472.96,"confidence":0.7001953,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.004100155085325241},{"word":"the","start":1472.96,"end":1473.12,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005361698567867279},{"word":"debts","start":1473.12,"end":1473.52,"confidence":0.97314453,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":-0.003430750221014023},{"word":"repaid","start":1473.52,"end":1474.02,"confidence":0.7270508,"punctuated_word":"repaid?","sentiment":"neutral","sentiment_score":-0.012145520187914371},{"word":"what","start":1476.0,"end":1476.32,"confidence":0.96240234,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.013127479702234268},{"word":"was","start":1476.32,"end":1476.82,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01751406118273735},{"word":"he'll","start":1488.2649,"end":1488.505,"confidence":0.7753906,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":0.006693197414278984},{"word":"get","start":1488.505,"end":1488.825,"confidence":0.9375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.026018641889095303},{"word":"half","start":1488.825,"end":1488.985,"confidence":0.9980469,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.0068643465638160706},{"word":"of","start":1488.985,"end":1489.1449,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015674598515033722},{"word":"your","start":1489.1449,"end":1489.3049,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026146329939365387},{"word":"superannuation","start":1489.3049,"end":1489.8049,"confidence":0.92545575,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.002233675215393305},{"word":"balance","start":1490.0249,"end":1490.505,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.011043108999729156},{"word":"and","start":1490.505,"end":1490.6649,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009949974715709686},{"word":"half","start":1490.6649,"end":1490.9049,"confidence":0.99609375,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.003341078758239746},{"word":"of","start":1490.9049,"end":1491.065,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0002821981906890869},{"word":"your","start":1491.065,"end":1491.225,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00861089676618576},{"word":"life","start":1491.225,"end":1491.69,"confidence":0.9770508,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.008562058210372925},{"word":"insurance","start":1491.69,"end":1492.1699,"confidence":0.98828125,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.007470011711120605},{"word":"proceeds","start":1492.1699,"end":1492.6699,"confidence":0.9980469,"punctuated_word":"proceeds.","sentiment":"neutral","sentiment_score":0.0066930316388607025},{"word":"so","start":1496.8899,"end":1497.3899,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01603090390563011},{"word":"what","start":1497.7699,"end":1498.09,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.013165242969989777},{"word":"that's","start":1498.33,"end":1498.8099,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.010787107050418854},{"word":"another","start":1498.8099,"end":1499.1299,"confidence":0.99609375,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.023420821875333783},{"word":"thing","start":1499.1299,"end":1499.37,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.031310997903347015},{"word":"with","start":1499.37,"end":1499.61,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021840132772922516},{"word":"a","start":1499.61,"end":1499.69,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02281125634908676},{"word":"will","start":1499.69,"end":1500.19,"confidence":0.9904785,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.00211993046104908},{"word":"now","start":1501.69,"end":1501.9299,"confidence":0.7597656,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.008810766041278839},{"word":"that","start":1501.9299,"end":1502.09,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007899157702922821},{"word":"your","start":1502.09,"end":1502.4099,"confidence":0.7871094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0015776902437210083},{"word":"one","start":1502.49,"end":1502.73,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0015041977167129517},{"word":"of","start":1502.73,"end":1502.8099,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004769809544086456},{"word":"your","start":1502.8099,"end":1503.21,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.015818476676940918},{"word":"children","start":1503.21,"end":1503.71,"confidence":0.99121094,"punctuated_word":"children","sentiment":"neutral","sentiment_score":-0.012485206127166748},{"word":"is","start":1503.7699,"end":1504.245,"confidence":0.8925781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003931555896997452},{"word":"18","start":1504.325,"end":1504.485,"confidence":0.97802734,"punctuated_word":"18","sentiment":"neutral","sentiment_score":-0.0003850534558296203},{"word":"and","start":1504.485,"end":1504.645,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003784816712141037},{"word":"the","start":1504.645,"end":1504.685,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003897719085216522},{"word":"other","start":1504.685,"end":1504.725,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.008902247995138168},{"word":"one","start":1504.725,"end":1505.125,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.006807621568441391},{"word":"is","start":1505.125,"end":1505.445,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005462039262056351},{"word":"18","start":1505.445,"end":1505.845,"confidence":1.0,"punctuated_word":"18","sentiment":"neutral","sentiment_score":-0.00374983623623848},{"word":"in","start":1505.845,"end":1506.085,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0017553195357322693},{"word":"twelve","start":1506.085,"end":1506.405,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0030481256544589996},{"word":"months'","start":1506.405,"end":1506.805,"confidence":0.78637695,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":0.009325455874204636},{"word":"time","start":1506.805,"end":1507.305,"confidence":0.98168945,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.014339188113808632},{"word":"when","start":1508.565,"end":1508.805,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.011784374713897703},{"word":"funds","start":1508.805,"end":1509.205,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.004192627966403961},{"word":"are","start":1509.205,"end":1509.365,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0024629011750221252},{"word":"paid","start":1509.365,"end":1509.6849,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.015311777591705322},{"word":"from","start":1509.6849,"end":1510.1849,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.019740357995033264},{"word":"when","start":1511.045,"end":1511.545,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.003803953528404236},{"word":"adult","start":1511.925,"end":1512.245,"confidence":0.99902344,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":-0.020073600113391876},{"word":"children","start":1512.245,"end":1512.745,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.0037792623043060303},{"word":"are","start":1514.645,"end":1514.725,"confidence":0.8017578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01956942677497864},{"word":"a","start":1514.725,"end":1514.805,"confidence":0.89453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018443584442138672},{"word":"beneficiary","start":1514.805,"end":1515.305,"confidence":0.99609375,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.03287859261035919},{"word":"of","start":1515.365,"end":1515.445,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025752052664756775},{"word":"a","start":1515.445,"end":1515.605,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014784809201955795},{"word":"superannuation","start":1515.605,"end":1516.105,"confidence":0.99869794,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.025411242619156837},{"word":"fund","start":1516.405,"end":1516.905,"confidence":0.9951172,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.009848285466432571},{"word":"they","start":1517.365,"end":1517.6849,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.006451278924942017},{"word":"pay","start":1517.6849,"end":1518.1849,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.02378155291080475},{"word":"it","start":1519.205,"end":1519.365,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.012200139462947844},{"word":"is","start":1519.365,"end":1519.77,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03792933374643326},{"word":"they","start":1522.73,"end":1522.97,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.033294253051280975},{"word":"pay","start":1522.97,"end":1523.21,"confidence":0.9951172,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.07043295353651047},{"word":"tax","start":1523.21,"end":1523.6901,"confidence":0.9995117,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.04464986175298691},{"word":"there's","start":1523.6901,"end":1523.93,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.049289509654045105},{"word":"a","start":1523.93,"end":1524.09,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027495764195919037},{"word":"taxable","start":1524.09,"end":1524.59,"confidence":1.0,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":-0.011332802474498749},{"word":"element","start":1524.65,"end":1525.15,"confidence":0.9980469,"punctuated_word":"element","sentiment":"neutral","sentiment_score":0.014152713119983671},{"word":"on","start":1525.21,"end":1525.37,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008956506848335266},{"word":"it","start":1525.37,"end":1525.87,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.006151258945465088},{"word":"with","start":1526.65,"end":1527.15,"confidence":0.8886719,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.03685571998357773},{"word":"timothy","start":1527.21,"end":1527.71,"confidence":0.99853516,"punctuated_word":"Timothy,","sentiment":"neutral","sentiment_score":0.05272355675697327},{"word":"it's","start":1528.01,"end":1528.41,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04889990389347077},{"word":"tax","start":1528.41,"end":1528.91,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10179629176855089},{"word":"free","start":1529.05,"end":1529.37,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.05769941210746765},{"word":"because","start":1529.37,"end":1529.77,"confidence":0.95410156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05344498157501221},{"word":"he's","start":1529.77,"end":1530.25,"confidence":0.8327637,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.08226577192544937},{"word":"your","start":1530.25,"end":1530.65,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0723549872636795},{"word":"spouse","start":1530.65,"end":1531.15,"confidence":0.7739258,"punctuated_word":"spouse.","sentiment":"neutral","sentiment_score":0.07934464514255524},{"word":"and","start":1533.7051,"end":1534.2051,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02939295768737793},{"word":"any","start":1535.545,"end":1535.785,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03267411142587662},{"word":"tax","start":1535.785,"end":1536.285,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03652025759220123},{"word":"any","start":1537.145,"end":1537.4651,"confidence":0.44482422,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01707812398672104},{"word":"tax","start":1537.4651,"end":1537.9651,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03749503195285797},{"word":"to","start":1538.025,"end":1538.265,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021031305193901065},{"word":"tim","start":1538.265,"end":1538.765,"confidence":0.9970703,"punctuated_word":"Tim","sentiment":"neutral","sentiment_score":0.04503592848777771},{"word":"would","start":1539.145,"end":1539.385,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.036248162388801575},{"word":"be","start":1539.385,"end":1539.545,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01888377219438553},{"word":"minimal","start":1539.545,"end":1540.025,"confidence":1.0,"punctuated_word":"minimal","sentiment":"neutral","sentiment_score":-0.04956848919391632},{"word":"as","start":1540.025,"end":1540.265,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.011764377355575562},{"word":"opposed","start":1540.265,"end":1540.5851,"confidence":0.99902344,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.008939355611801147},{"word":"to","start":1540.5851,"end":1540.745,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006861984729766846},{"word":"your","start":1540.745,"end":1540.905,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0238838791847229},{"word":"adult","start":1540.905,"end":1541.305,"confidence":1.0,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":-0.033019423484802246},{"word":"children","start":1541.305,"end":1541.805,"confidence":0.9641113,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.03715924918651581},{"word":"so","start":1542.3451,"end":1542.8451,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.059230729937553406},{"word":"that","start":1543.0651,"end":1543.225,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08665981888771057},{"word":"that's","start":1543.385,"end":1543.8,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08985882997512817},{"word":"how","start":1543.8,"end":1544.04,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10193316638469696},{"word":"as","start":1544.04,"end":1544.2001,"confidence":0.9560547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13788312673568726},{"word":"well","start":1544.2001,"end":1544.7001,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.12340833246707916},{"word":"your","start":1545.8,"end":1546.04,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1506252884864807},{"word":"will","start":1546.04,"end":1546.3601,"confidence":0.78125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15606874227523804},{"word":"will","start":1546.3601,"end":1546.52,"confidence":0.98828125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13456469774246216},{"word":"link","start":1546.52,"end":1546.8401,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.09617242217063904},{"word":"into","start":1546.8401,"end":1547.0801,"confidence":0.9091797,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10273143649101256},{"word":"this","start":1547.0801,"end":1547.4,"confidence":0.99658203,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.07391318678855896},{"word":"if","start":1547.4,"end":1547.64,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.047728464007377625},{"word":"it","start":1547.64,"end":1547.8,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04622161015868187},{"word":"goes","start":1547.8,"end":1548.12,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.04323657602071762},{"word":"to","start":1548.12,"end":1548.3601,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04934185370802879},{"word":"tim","start":1548.3601,"end":1548.76,"confidence":0.9941406,"punctuated_word":"Tim","sentiment":"neutral","sentiment_score":0.029218032956123352},{"word":"timothy","start":1549.3201,"end":1549.8,"confidence":0.8564453,"punctuated_word":"Timothy,","sentiment":"neutral","sentiment_score":0.02163747139275074},{"word":"sorry","start":1549.8,"end":1550.3,"confidence":0.94799805,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.004032641649246216},{"word":"then","start":1552.68,"end":1553.0,"confidence":0.94628906,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.060090914368629456},{"word":"the","start":1553.0,"end":1553.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031041547656059265},{"word":"will","start":1553.16,"end":1553.56,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.026621229946613312},{"word":"would","start":1553.56,"end":1553.7201,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03814667463302612},{"word":"then","start":1553.7201,"end":1554.12,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0516447052359581},{"word":"dictate","start":1554.12,"end":1554.62,"confidence":0.99316406,"punctuated_word":"dictate","sentiment":"neutral","sentiment_score":0.03599836677312851},{"word":"what","start":1555.0801,"end":1555.3201,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.007862627506256104},{"word":"happens","start":1555.3201,"end":1555.8201,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.017750024795532227},{"word":"with","start":1556.725,"end":1556.965,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0017224103212356567},{"word":"the","start":1556.965,"end":1557.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04525156319141388},{"word":"remainder","start":1557.125,"end":1557.605,"confidence":0.99902344,"punctuated_word":"remainder","sentiment":"neutral","sentiment_score":0.06752851605415344},{"word":"of","start":1557.605,"end":1557.6849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08047164976596832},{"word":"the","start":1557.6849,"end":1557.845,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06035825610160827},{"word":"estate","start":1557.845,"end":1558.1649,"confidence":0.9916992,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":0.05493985116481781},{"word":"so","start":1558.1649,"end":1558.325,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05717242881655693},{"word":"if","start":1558.325,"end":1558.4049,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08503274619579315},{"word":"you","start":1558.4049,"end":1558.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08630071580410004},{"word":"do","start":1558.565,"end":1558.725,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07116067409515381},{"word":"your","start":1558.725,"end":1558.965,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0951644405722618},{"word":"wills","start":1558.965,"end":1559.365,"confidence":0.94189453,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.08864719420671463},{"word":"in","start":1559.365,"end":1559.605,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06530453264713287},{"word":"conjunction","start":1559.605,"end":1560.105,"confidence":1.0,"punctuated_word":"conjunction","sentiment":"neutral","sentiment_score":0.0912950560450554},{"word":"with","start":1560.1649,"end":1560.4049,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09484288096427916},{"word":"each","start":1560.4049,"end":1560.565,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.08216725289821625},{"word":"other","start":1560.565,"end":1561.065,"confidence":0.9797363,"punctuated_word":"other,","sentiment":"neutral","sentiment_score":0.0654592290520668},{"word":"if","start":1561.365,"end":1561.605,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07869136333465576},{"word":"one","start":1561.605,"end":1561.765,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.042014773935079575},{"word":"of","start":1561.765,"end":1561.9249,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04564964398741722},{"word":"you","start":1561.9249,"end":1562.1649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03748122602701187},{"word":"pass","start":1562.1649,"end":1562.485,"confidence":0.53564453,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.05764742195606232},{"word":"first","start":1562.485,"end":1562.985,"confidence":0.9238281,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.04353070259094238},{"word":"usually","start":1564.085,"end":1564.565,"confidence":0.7944336,"punctuated_word":"usually,","sentiment":"neutral","sentiment_score":0.06546302884817123},{"word":"most","start":1564.565,"end":1564.885,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.08034185320138931},{"word":"couples'","start":1564.885,"end":1565.385,"confidence":0.9211426,"punctuated_word":"couples'","sentiment":"neutral","sentiment_score":0.05662932246923447},{"word":"wills","start":1565.6849,"end":1566.1849,"confidence":0.98535156,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.043186694383621216},{"word":"are","start":1568.4049,"end":1568.645,"confidence":0.9506836,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01475078985095024},{"word":"mirrored","start":1568.645,"end":1569.09,"confidence":0.8562012,"punctuated_word":"mirrored.","sentiment":"neutral","sentiment_score":0.011748870834708214},{"word":"yes","start":1570.0499,"end":1570.5499,"confidence":0.7746582,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0042714932933449745},{"word":"yeah","start":1573.89,"end":1574.39,"confidence":0.9128418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13402195274829865},{"word":"i","start":1576.61,"end":1576.85,"confidence":0.90771484,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3665928244590759},{"word":"can","start":1576.85,"end":1577.09,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3002856373786926},{"word":"make","start":1577.09,"end":1577.49,"confidence":0.8330078,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":0.3276372253894806},{"word":"yeah","start":1577.49,"end":1577.73,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2801550328731537},{"word":"i","start":1577.73,"end":1577.8099,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2565021514892578},{"word":"can","start":1577.8099,"end":1577.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2505931556224823},{"word":"make","start":1577.97,"end":1578.21,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2448613792657852},{"word":"those","start":1578.21,"end":1578.5299,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.26133012771606445},{"word":"we'll","start":1579.49,"end":1579.73,"confidence":0.9748535,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2152882218360901},{"word":"get","start":1579.73,"end":1579.89,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2362821251153946},{"word":"some","start":1579.89,"end":1580.13,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1950433850288391},{"word":"forms","start":1580.13,"end":1580.45,"confidence":0.91015625,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.2232215702533722},{"word":"sent","start":1580.45,"end":1580.69,"confidence":1.0,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.20323504507541656},{"word":"out","start":1580.69,"end":1580.85,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24054007232189176},{"word":"for","start":1580.85,"end":1581.01,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.209477499127388},{"word":"you","start":1581.01,"end":1581.1699,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24385966360569},{"word":"to","start":1581.1699,"end":1581.33,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17725281417369845},{"word":"sign","start":1581.33,"end":1581.825,"confidence":0.7873535,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.14694568514823914},{"word":"that","start":1581.985,"end":1582.1449,"confidence":0.8120117,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07258918881416321},{"word":"would","start":1582.1449,"end":1582.2249,"confidence":0.90283203,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06686800718307495},{"word":"they","start":1582.3049,"end":1582.5449,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06189464032649994},{"word":"do","start":1582.5449,"end":1582.7849,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.023363063111901283},{"word":"need","start":1582.7849,"end":1583.0249,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02314453385770321},{"word":"to","start":1583.0249,"end":1583.105,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028538182377815247},{"word":"be","start":1583.105,"end":1583.345,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03813766688108444},{"word":"signed","start":1583.345,"end":1583.825,"confidence":0.9016113,"punctuated_word":"signed.","sentiment":"neutral","sentiment_score":0.03216026350855827},{"word":"so","start":1583.825,"end":1584.065,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06360379606485367},{"word":"we'll","start":1584.065,"end":1584.3049,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08834867179393768},{"word":"do","start":1584.3049,"end":1584.465,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12155109643936156},{"word":"we'll","start":1584.5449,"end":1584.7849,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11983609199523926},{"word":"make","start":1584.7849,"end":1584.945,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14288920164108276},{"word":"that","start":1584.945,"end":1585.1849,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.161173015832901},{"word":"an","start":1585.1849,"end":1585.345,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13896632194519043},{"word":"action","start":1585.345,"end":1585.6649,"confidence":1.0,"punctuated_word":"action","sentiment":"neutral","sentiment_score":0.10654665529727936},{"word":"item","start":1585.6649,"end":1585.985,"confidence":0.99902344,"punctuated_word":"item","sentiment":"neutral","sentiment_score":0.12066032737493516},{"word":"post","start":1585.985,"end":1586.385,"confidence":0.6303711,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.10246849805116652},{"word":"this","start":1586.385,"end":1586.5449,"confidence":0.984375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09245406836271286},{"word":"meeting","start":1586.5449,"end":1587.0449,"confidence":1.0,"punctuated_word":"meeting.","sentiment":"neutral","sentiment_score":0.0908266305923462},{"word":"alright","start":1590.1449,"end":1590.5449,"confidence":0.91381836,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.08026516437530518},{"word":"so","start":1590.5449,"end":1590.705,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06821538507938385},{"word":"i've","start":1590.705,"end":1590.945,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10156434774398804},{"word":"done","start":1590.945,"end":1591.445,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11582554131746292},{"word":"that","start":1591.585,"end":1591.825,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.10899998247623444},{"word":"what","start":1591.825,"end":1592.065,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.04545604810118675},{"word":"i'm","start":1592.065,"end":1592.225,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05579542368650437},{"word":"gonna","start":1592.225,"end":1592.5449,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06315845251083374},{"word":"do","start":1592.5449,"end":1592.7849,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05692389607429504},{"word":"now","start":1592.7849,"end":1593.105,"confidence":0.99072266,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.05804947018623352},{"word":"lee","start":1593.105,"end":1593.2649,"confidence":0.86206055,"punctuated_word":"Lee,","sentiment":"neutral","sentiment_score":0.049874790012836456},{"word":"is","start":1593.2649,"end":1593.345,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.033314935863018036},{"word":"do","start":1593.505,"end":1593.6649,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02416720613837242},{"word":"you","start":1593.6649,"end":1593.745,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027006274089217183},{"word":"have","start":1593.745,"end":1594.14,"confidence":0.9760742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.030139215290546417},{"word":"access","start":1594.22,"end":1594.38,"confidence":0.9086914,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.022964192554354668},{"word":"to","start":1594.38,"end":1594.62,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026228096336126328},{"word":"your","start":1594.62,"end":1594.9401,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0249293502420187},{"word":"emails","start":1594.9401,"end":1595.26,"confidence":0.95703125,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.03417035937309265},{"word":"at","start":1595.26,"end":1595.42,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.020108316093683243},{"word":"all","start":1595.42,"end":1595.92,"confidence":0.99853516,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.03534451872110367},{"word":"yeah","start":1597.42,"end":1597.92,"confidence":0.8117676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08767369389533997},{"word":"i'm","start":1598.22,"end":1598.46,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09885429590940475},{"word":"gonna","start":1598.46,"end":1598.7001,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13025885820388794},{"word":"send","start":1598.7001,"end":1599.02,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.14184685051441193},{"word":"you","start":1599.02,"end":1599.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1462378054857254},{"word":"a","start":1599.42,"end":1599.92,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1387319266796112},{"word":"email","start":1599.98,"end":1600.48,"confidence":0.86328125,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.1361275613307953},{"word":"and","start":1600.9401,"end":1601.26,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12675780057907104},{"word":"it's","start":1601.26,"end":1601.42,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13032568991184235},{"word":"gonna","start":1601.42,"end":1601.66,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12715068459510803},{"word":"have","start":1601.66,"end":1602.16,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14844535291194916},{"word":"a","start":1602.22,"end":1602.72,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14794600009918213},{"word":"it's","start":1604.9401,"end":1605.1,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1264229565858841},{"word":"gonna","start":1605.1,"end":1605.34,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13183601200580597},{"word":"come","start":1605.34,"end":1605.5,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.14455579221248627},{"word":"from","start":1605.5,"end":1605.98,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1207783818244934},{"word":"odoosign","start":1605.98,"end":1606.48,"confidence":0.6390381,"punctuated_word":"OdooSign,","sentiment":"neutral","sentiment_score":0.13584235310554504},{"word":"and","start":1607.98,"end":1608.48,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16694054007530212},{"word":"it","start":1608.945,"end":1609.105,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20510296523571017},{"word":"just","start":1609.105,"end":1609.505,"confidence":0.9428711,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1574743688106537},{"word":"has","start":1609.505,"end":1610.005,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.18287178874015808},{"word":"our","start":1610.1449,"end":1610.3049,"confidence":0.88964844,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.18304987251758575},{"word":"it","start":1610.625,"end":1610.7849,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24284479022026065},{"word":"will","start":1610.7849,"end":1610.945,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1808188259601593},{"word":"have","start":1610.945,"end":1611.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23453998565673828},{"word":"your","start":1611.105,"end":1611.4249,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21323367953300476},{"word":"review","start":1611.4249,"end":1611.825,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.16056913137435913},{"word":"pack","start":1611.825,"end":1612.325,"confidence":0.9951172,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.1935029923915863},{"word":"that","start":1613.6649,"end":1613.9049,"confidence":0.79541016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18627066910266876},{"word":"we're","start":1613.9049,"end":1614.065,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1860772669315338},{"word":"just","start":1614.065,"end":1614.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1862976998090744},{"word":"gonna","start":1614.225,"end":1614.465,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17638380825519562},{"word":"talk","start":1614.465,"end":1614.705,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.17641502618789673},{"word":"through","start":1614.705,"end":1614.945,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1683081090450287},{"word":"the","start":1614.945,"end":1615.1849,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13881486654281616},{"word":"documents","start":1615.1849,"end":1615.6649,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.09489116817712784},{"word":"that","start":1615.6649,"end":1615.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.139279305934906},{"word":"are","start":1615.825,"end":1615.985,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1301647573709488},{"word":"within","start":1615.985,"end":1616.3049,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.11438194662332536},{"word":"there","start":1616.3049,"end":1616.625,"confidence":0.9904785,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11815597116947174},{"word":"so","start":1616.625,"end":1616.7849,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09801851212978364},{"word":"when","start":1616.7849,"end":1617.0249,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0690816193819046},{"word":"you","start":1617.0249,"end":1617.1849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0920620858669281},{"word":"receive","start":1617.1849,"end":1617.585,"confidence":0.9951172,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.07785263657569885},{"word":"that","start":1617.585,"end":1617.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09531164169311523},{"word":"email","start":1617.825,"end":1618.325,"confidence":0.9980469,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.07317252457141876},{"word":"the","start":1619.9049,"end":1620.1449,"confidence":0.94140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0954236164689064},{"word":"option","start":1620.1449,"end":1620.625,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.06644575297832489},{"word":"is","start":1620.625,"end":1621.125,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08847659826278687},{"word":"sign","start":1621.585,"end":1621.985,"confidence":0.8256836,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03844475746154785},{"word":"documents","start":1621.985,"end":1622.485,"confidence":0.9941406,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.04872911795973778},{"word":"if","start":1622.5449,"end":1622.705,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06307806819677353},{"word":"you","start":1622.705,"end":1622.7849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05867137387394905},{"word":"just","start":1622.7849,"end":1623.105,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04539581388235092},{"word":"click","start":1623.105,"end":1623.345,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.04398345947265625},{"word":"on","start":1623.345,"end":1623.505,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05280498415231705},{"word":"that","start":1623.505,"end":1623.825,"confidence":0.9995117,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05247752368450165},{"word":"that's","start":1623.825,"end":1624.08,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06355160474777222},{"word":"gonna","start":1624.24,"end":1624.5599,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06248794868588448},{"word":"open","start":1624.5599,"end":1624.7999,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.05321410670876503},{"word":"up","start":1624.7999,"end":1624.96,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05936767905950546},{"word":"the","start":1624.96,"end":1625.2,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05241774022579193},{"word":"documents","start":1625.2,"end":1625.7,"confidence":0.9904785,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.029417414218187332},{"word":"you're","start":1625.76,"end":1625.9199,"confidence":0.99658203,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.1044541448354721},{"word":"not","start":1625.9199,"end":1626.1599,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1173466220498085},{"word":"signing","start":1626.1599,"end":1626.5599,"confidence":0.8535156,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":-0.1438654363155365},{"word":"anything","start":1626.5599,"end":1627.0399,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.20149599015712735},{"word":"at","start":1627.0399,"end":1627.2,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.247456356883049},{"word":"the","start":1627.2,"end":1627.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2851788103580475},{"word":"moment","start":1627.36,"end":1627.86,"confidence":0.9926758,"punctuated_word":"moment.","sentiment":"negative","sentiment_score":-0.3358191251754761},{"word":"we're","start":1627.9199,"end":1628.24,"confidence":0.9951172,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.09894289821386336},{"word":"just","start":1628.24,"end":1628.3999,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0759052038192749},{"word":"gonna","start":1628.3999,"end":1628.64,"confidence":0.9819336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03922941908240318},{"word":"talk","start":1628.64,"end":1628.96,"confidence":0.9951172,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.024872608482837677},{"word":"through","start":1628.96,"end":1629.2,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.016418911516666412},{"word":"them","start":1629.2,"end":1629.7,"confidence":0.9367676,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.05277466773986816},{"word":"and","start":1630.5599,"end":1630.7999,"confidence":0.7270508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012858204543590546},{"word":"then","start":1630.7999,"end":1631.2999,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.019715413451194763},{"word":"we'll","start":1631.44,"end":1631.6799,"confidence":0.99658203,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.006066224537789822},{"word":"go","start":1631.6799,"end":1631.84,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.014323268085718157},{"word":"from","start":1631.84,"end":1632.1599,"confidence":0.9863281,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.009608346968889236},{"word":"there","start":1632.1599,"end":1632.6599,"confidence":0.9946289,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04047948867082596},{"word":"okay","start":1635.84,"end":1636.155,"confidence":0.9013672,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2638883888721466},{"word":"lovely","start":1636.875,"end":1637.275,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.43727749586105347},{"word":"so","start":1637.275,"end":1637.515,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.243419885635376},{"word":"let","start":1637.515,"end":1637.675,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.23967953026294708},{"word":"me","start":1637.675,"end":1637.8351,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2233453243970871},{"word":"know","start":1637.8351,"end":1637.995,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.22194848954677585},{"word":"when","start":1637.995,"end":1638.0751,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.18625500798225403},{"word":"you've","start":1638.0751,"end":1638.3151,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.14930449426174164},{"word":"got","start":1638.3151,"end":1638.475,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1194630041718483},{"word":"those","start":1638.475,"end":1638.7151,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.14782953262329102},{"word":"documents","start":1638.7151,"end":1639.2151,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1231156438589096},{"word":"open","start":1639.275,"end":1639.775,"confidence":0.9807129,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":0.14772862195968628},{"word":"fantastic","start":1642.555,"end":1643.055,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5985749959945679},{"word":"so","start":1643.675,"end":1643.915,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27095434069633484},{"word":"the","start":1643.915,"end":1644.155,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2447305768728256},{"word":"first","start":1644.155,"end":1644.655,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.2336142212152481},{"word":"document","start":1644.7151,"end":1645.2151,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2811514437198639},{"word":"you","start":1645.275,"end":1645.435,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2329266667366028},{"word":"should","start":1645.435,"end":1645.595,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.24450726807117465},{"word":"see","start":1645.595,"end":1645.755,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1716732680797577},{"word":"is","start":1645.755,"end":1645.995,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1442078799009323},{"word":"a","start":1645.995,"end":1646.0751,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20562946796417236},{"word":"summary","start":1646.0751,"end":1646.475,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.23881497979164124},{"word":"of","start":1646.475,"end":1646.635,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23200584948062897},{"word":"your","start":1646.635,"end":1646.9551,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24058489501476288},{"word":"super","start":1646.9551,"end":1647.355,"confidence":0.9873047,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.34952208399772644},{"word":"and","start":1647.355,"end":1647.595,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20308935642242432},{"word":"insurance","start":1647.595,"end":1648.095,"confidence":0.9667969,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.16708606481552124},{"word":"so","start":1648.155,"end":1648.395,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1007269248366356},{"word":"you","start":1648.395,"end":1648.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1011618599295616},{"word":"will","start":1648.555,"end":1648.7151,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0965334251523018},{"word":"note","start":1648.7151,"end":1648.875,"confidence":0.4609375,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.09719492495059968},{"word":"it's","start":1648.875,"end":1649.115,"confidence":0.8547363,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08050405979156494},{"word":"dated","start":1649.115,"end":1649.595,"confidence":0.8276367,"punctuated_word":"dated","sentiment":"neutral","sentiment_score":0.08634626865386963},{"word":"as","start":1649.595,"end":1649.755,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11211954057216644},{"word":"of","start":1649.755,"end":1649.915,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12265419214963912},{"word":"the","start":1649.915,"end":1650.0751,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12597082555294037},{"word":"august","start":1650.0751,"end":1650.675,"confidence":0.95111084,"punctuated_word":"August","sentiment":"neutral","sentiment_score":0.11156132072210312},{"word":"26","start":1650.675,"end":1651.275,"confidence":0.95111084,"punctuated_word":"26.","sentiment":"neutral","sentiment_score":0.08306705951690674},{"word":"so","start":1651.275,"end":1651.68,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.038847677409648895},{"word":"that","start":1651.76,"end":1651.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01826804131269455},{"word":"was","start":1651.92,"end":1652.16,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.016551759093999863},{"word":"when","start":1652.16,"end":1652.4801,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.030387213453650475},{"word":"our","start":1652.4801,"end":1652.8401,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.059824395924806595},{"word":"our","start":1652.8401,"end":1653.2001,"confidence":0.8881836,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05685503035783768},{"word":"original","start":1653.2001,"end":1653.68,"confidence":0.9921875,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.04425116255879402},{"word":"appointment","start":1653.68,"end":1654.0,"confidence":1.0,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":0.06352896988391876},{"word":"was","start":1654.0,"end":1654.3201,"confidence":0.91381836,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":0.06667523831129074},{"word":"so","start":1654.3201,"end":1654.4801,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.022825181484222412},{"word":"i","start":1654.4801,"end":1654.56,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10702846199274064},{"word":"do","start":1654.56,"end":1654.8,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11115986108779909},{"word":"apologize","start":1654.8,"end":1655.3,"confidence":1.0,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.14969860017299652},{"word":"for","start":1655.4401,"end":1655.68,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10200635343790054},{"word":"it","start":1655.68,"end":1655.76,"confidence":0.9428711,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07597693800926208},{"word":"being","start":1655.76,"end":1656.26,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.08195243775844574},{"word":"probably","start":1657.04,"end":1657.54,"confidence":0.63623047,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1673664748668671},{"word":"nearly","start":1658.16,"end":1658.56,"confidence":0.9951172,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":-0.28316202759742737},{"word":"a","start":1658.56,"end":1658.7201,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2592746317386627},{"word":"month","start":1658.7201,"end":1659.04,"confidence":0.9970703,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.2379908263683319},{"word":"down","start":1659.04,"end":1659.54,"confidence":0.6641846,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.14027683436870575},{"word":"no","start":1660.0,"end":1660.4,"confidence":0.9875488,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14289329946041107},{"word":"no","start":1660.4,"end":1660.9,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1488625407218933},{"word":"no","start":1661.4401,"end":1661.8401,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17378512024879456},{"word":"i","start":1661.8401,"end":1662.0,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20892347395420072},{"word":"completely","start":1662.0,"end":1662.4801,"confidence":0.9980469,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.06441795825958252},{"word":"understand","start":1662.4801,"end":1662.9601,"confidence":0.9946289,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.05659545212984085},{"word":"i","start":1662.9601,"end":1663.04,"confidence":0.93603516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0020676851272583008},{"word":"like","start":1663.04,"end":1663.28,"confidence":0.5830078,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1947704553604126},{"word":"i","start":1663.28,"end":1663.52,"confidence":0.9536133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08618432283401489},{"word":"like","start":1663.52,"end":1663.76,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.24527135491371155},{"word":"flexibility","start":1663.76,"end":1664.26,"confidence":0.95458984,"punctuated_word":"flexibility.","sentiment":"neutral","sentiment_score":0.09798246622085573},{"word":"so","start":1664.4,"end":1664.56,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08783739060163498},{"word":"if","start":1664.56,"end":1664.7201,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19559162855148315},{"word":"we","start":1664.7201,"end":1664.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1424802541732788},{"word":"can","start":1664.88,"end":1665.04,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21443727612495425},{"word":"be","start":1665.04,"end":1665.12,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12416835874319077},{"word":"flexible","start":1665.12,"end":1665.62,"confidence":0.9980469,"punctuated_word":"flexible,","sentiment":"neutral","sentiment_score":0.14190228283405304},{"word":"that's","start":1666.735,"end":1666.975,"confidence":0.9890137,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1419088989496231},{"word":"always","start":1666.975,"end":1667.2949,"confidence":0.9941406,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1060940995812416},{"word":"the","start":1667.2949,"end":1667.375,"confidence":0.97998047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44847896695137024},{"word":"goal","start":1667.375,"end":1667.695,"confidence":0.9980469,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.3559001684188843},{"word":"with","start":1667.695,"end":1667.855,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08976568281650543},{"word":"our","start":1667.855,"end":1668.095,"confidence":0.97998047,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1252100169658661},{"word":"client","start":1668.095,"end":1668.595,"confidence":0.86865234,"punctuated_word":"client.","sentiment":"neutral","sentiment_score":0.17108649015426636},{"word":"so","start":1669.455,"end":1669.775,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05491819232702255},{"word":"it's","start":1669.775,"end":1670.275,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06297864019870758},{"word":"showing","start":1670.975,"end":1671.2949,"confidence":0.9980469,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.06866728514432907},{"word":"that","start":1671.2949,"end":1671.7949,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04494694247841835},{"word":"then","start":1672.255,"end":1672.655,"confidence":0.69091797,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05653616413474083},{"word":"your","start":1672.655,"end":1673.155,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03476322069764137},{"word":"balance","start":1673.615,"end":1674.095,"confidence":0.984375,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0577249601483345},{"word":"was","start":1674.095,"end":1674.255,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.014782018959522247},{"word":"sitting","start":1674.255,"end":1674.575,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.04994305968284607},{"word":"at","start":1674.575,"end":1674.735,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03623099625110626},{"word":"about","start":1674.735,"end":1675.0549,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06397514790296555},{"word":"a","start":1675.0549,"end":1675.215,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07238909602165222},{"word":"$195,877","start":1675.215,"end":1679.215,"confidence":0.9949463,"punctuated_word":"$195,877","sentiment":"neutral","sentiment_score":0.07792209088802338},{"word":"rounded","start":1679.215,"end":1679.615,"confidence":0.84716797,"punctuated_word":"rounded","sentiment":"neutral","sentiment_score":0.07583671063184738},{"word":"up","start":1679.615,"end":1680.115,"confidence":0.96899414,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.07830039411783218},{"word":"and","start":1680.51,"end":1680.75,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02859184890985489},{"word":"then","start":1680.75,"end":1681.0701,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03914245218038559},{"word":"as","start":1681.0701,"end":1681.31,"confidence":0.8959961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02893710508942604},{"word":"i","start":1681.31,"end":1681.47,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04499455913901329},{"word":"mentioned","start":1681.47,"end":1681.9501,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.07003086060285568},{"word":"earlier","start":1681.9501,"end":1682.4501,"confidence":0.9980469,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":0.04693396016955376},{"word":"your","start":1682.51,"end":1682.75,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.047409649938344955},{"word":"life","start":1682.75,"end":1682.99,"confidence":0.9902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.07095334678888321},{"word":"and","start":1682.99,"end":1683.23,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06225774064660072},{"word":"tpd","start":1683.23,"end":1683.73,"confidence":0.92871094,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.042391277849674225},{"word":"insurance","start":1683.87,"end":1684.37,"confidence":0.97436523,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.047717608511447906},{"word":"your","start":1684.51,"end":1684.75,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05948245897889137},{"word":"sums","start":1684.75,"end":1685.0701,"confidence":0.44360352,"punctuated_word":"sums","sentiment":"neutral","sentiment_score":0.06582466512918472},{"word":"insured","start":1685.0701,"end":1685.5701,"confidence":0.70458984,"punctuated_word":"insured.","sentiment":"neutral","sentiment_score":0.034258365631103516},{"word":"and","start":1686.11,"end":1686.35,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08405882120132446},{"word":"you","start":1686.35,"end":1686.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0816689282655716},{"word":"also","start":1686.51,"end":1686.91,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08748332411050797},{"word":"have","start":1686.91,"end":1687.15,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08193787932395935},{"word":"an","start":1687.15,"end":1687.39,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06750611960887909},{"word":"income","start":1687.39,"end":1687.79,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05157347023487091},{"word":"protection","start":1687.79,"end":1688.27,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.031251512467861176},{"word":"policy","start":1688.27,"end":1688.77,"confidence":0.8444824,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.06577152013778687},{"word":"which","start":1689.31,"end":1689.55,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08476750552654266},{"word":"will","start":1689.55,"end":1689.79,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08624067902565002},{"word":"cover","start":1689.79,"end":1690.03,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0665484294295311},{"word":"you","start":1690.03,"end":1690.1901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10031843185424805},{"word":"for","start":1690.1901,"end":1690.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05511629953980446},{"word":"$3,788","start":1690.51,"end":1692.75,"confidence":0.99870956,"punctuated_word":"$3,788","sentiment":"neutral","sentiment_score":0.05798839405179024},{"word":"a","start":1692.75,"end":1692.91,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04527083039283752},{"word":"month","start":1692.91,"end":1693.23,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.03364674374461174},{"word":"if","start":1693.23,"end":1693.39,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03374689072370529},{"word":"you're","start":1693.39,"end":1693.71,"confidence":0.9267578,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.014388836920261385},{"word":"unable","start":1693.71,"end":1694.21,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.06302094459533691},{"word":"to","start":1694.27,"end":1694.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05233922600746155},{"word":"work","start":1694.43,"end":1694.8301,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06793801486492157},{"word":"due","start":1694.8301,"end":1694.99,"confidence":0.99902344,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.1326165497303009},{"word":"to","start":1694.99,"end":1695.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10042965412139893},{"word":"injury","start":1695.23,"end":1695.63,"confidence":1.0,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.07146818935871124},{"word":"or","start":1695.63,"end":1695.945,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07059483975172043},{"word":"illness","start":1696.0249,"end":1696.5249,"confidence":0.9975586,"punctuated_word":"illness.","sentiment":"neutral","sentiment_score":0.0012312941253185272},{"word":"now","start":1697.1449,"end":1697.3849,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04571039974689483},{"word":"that","start":1697.3849,"end":1697.625,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03760569170117378},{"word":"is","start":1697.625,"end":1698.0249,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0182805098593235},{"word":"calculated","start":1698.0249,"end":1698.5249,"confidence":1.0,"punctuated_word":"calculated","sentiment":"neutral","sentiment_score":0.032105375081300735},{"word":"as","start":1698.6649,"end":1698.9049,"confidence":0.90722656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03866824507713318},{"word":"70%","start":1698.9049,"end":1699.7849,"confidence":1.0,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.03673937916755676},{"word":"of","start":1699.7849,"end":1699.945,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028247106820344925},{"word":"your","start":1699.945,"end":1700.1849,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04112621769309044},{"word":"taxable","start":1700.1849,"end":1700.6849,"confidence":1.0,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.04514876753091812},{"word":"income","start":1700.745,"end":1701.245,"confidence":0.9194336,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.01470346748828888},{"word":"so","start":1702.105,"end":1702.605,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004906345158815384},{"word":"but","start":1703.705,"end":1703.865,"confidence":0.92089844,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.014971759170293808},{"word":"you're","start":1703.865,"end":1704.1849,"confidence":0.9152832,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.028467625379562374},{"word":"some","start":1704.1849,"end":1704.4249,"confidence":0.5839844,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.059426404535770416},{"word":"insured","start":1704.4249,"end":1704.9249,"confidence":0.7438965,"punctuated_word":"insured.","sentiment":"neutral","sentiment_score":-0.02442757971584797},{"word":"so","start":1705.1449,"end":1705.6449,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008898921310901642},{"word":"i","start":1706.1849,"end":1706.345,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0013326779007911682},{"word":"am","start":1706.345,"end":1706.6649,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.018896348774433136},{"word":"just","start":1706.6649,"end":1707.065,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01827546209096909},{"word":"checking","start":1707.065,"end":1707.565,"confidence":1.0,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":-0.014287710189819336},{"word":"to","start":1707.625,"end":1707.7849,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018152162432670593},{"word":"make","start":1707.7849,"end":1708.05,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.004206255078315735},{"word":"sure","start":1708.05,"end":1708.29,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.007752589881420136},{"word":"that","start":1708.29,"end":1708.4501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00566495954990387},{"word":"we're","start":1708.4501,"end":1708.9501,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.030343271791934967},{"word":"pretty","start":1709.01,"end":1709.41,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.02989985793828964},{"word":"on","start":1709.41,"end":1709.5701,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.015307120978832243},{"word":"par","start":1709.5701,"end":1709.81,"confidence":0.9980469,"punctuated_word":"par","sentiment":"neutral","sentiment_score":0.023244708776474},{"word":"with","start":1709.81,"end":1710.05,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0006970763206481934},{"word":"that","start":1710.05,"end":1710.55,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.01512589305639267},{"word":"yep","start":1726.625,"end":1726.945,"confidence":0.87646484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1278373897075653},{"word":"okay","start":1726.945,"end":1727.345,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.12366372346878052},{"word":"so","start":1727.345,"end":1727.845,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15005554258823395},{"word":"the","start":1727.9049,"end":1728.1449,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16299578547477722},{"word":"maximum","start":1728.1449,"end":1728.6449,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":-0.1570548415184021},{"word":"sum","start":1728.705,"end":1728.945,"confidence":0.7583008,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":-0.1206689402461052},{"word":"insured","start":1728.945,"end":1729.2649,"confidence":0.9902344,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.13846391439437866},{"word":"you","start":1729.2649,"end":1729.4249,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1717611849308014},{"word":"can","start":1729.4249,"end":1729.585,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1267603039741516},{"word":"get","start":1729.585,"end":1729.825,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.11823219805955888},{"word":"is","start":1729.825,"end":1730.1449,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11612685024738312},{"word":"$4,141","start":1730.1449,"end":1732.3049,"confidence":0.9990932,"punctuated_word":"$4,141","sentiment":"neutral","sentiment_score":-0.08704839646816254},{"word":"a","start":1732.3049,"end":1732.3849,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10820619761943816},{"word":"month","start":1732.3849,"end":1732.8849,"confidence":0.99902344,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.13216282427310944},{"word":"i","start":1733.4249,"end":1733.6649,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6784375309944153},{"word":"would","start":1733.6649,"end":1733.985,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.7294052839279175},{"word":"definitely","start":1733.985,"end":1734.485,"confidence":1.0,"punctuated_word":"definitely","sentiment":"negative","sentiment_score":-0.6842767000198364},{"word":"not","start":1734.7849,"end":1735.105,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6983264088630676},{"word":"recommend","start":1735.105,"end":1735.605,"confidence":1.0,"punctuated_word":"recommend","sentiment":"negative","sentiment_score":-0.6227738857269287},{"word":"getting","start":1736.7849,"end":1737.105,"confidence":1.0,"punctuated_word":"getting","sentiment":"negative","sentiment_score":-0.6296592950820923},{"word":"rid","start":1737.105,"end":1737.2649,"confidence":1.0,"punctuated_word":"rid","sentiment":"negative","sentiment_score":-0.6304405331611633},{"word":"of","start":1737.2649,"end":1737.4249,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.691116213798523},{"word":"it","start":1737.4249,"end":1737.78,"confidence":0.9941406,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.5678249001502991},{"word":"the","start":1738.02,"end":1738.26,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.32920050621032715},{"word":"reason","start":1738.26,"end":1738.74,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.25859642028808594},{"word":"being","start":1738.74,"end":1739.24,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.2472429126501083},{"word":"is","start":1739.4601,"end":1739.9601,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.23163393139839172},{"word":"it","start":1741.06,"end":1741.22,"confidence":0.57421875,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37861770391464233},{"word":"is","start":1741.22,"end":1741.4601,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3247314989566803},{"word":"usually","start":1741.4601,"end":1741.86,"confidence":0.9980469,"punctuated_word":"usually","sentiment":"negative","sentiment_score":-0.3507581949234009},{"word":"one","start":1741.86,"end":1742.1,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.34853336215019226},{"word":"of","start":1742.1,"end":1742.26,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3493651747703552},{"word":"the","start":1742.26,"end":1742.42,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31948405504226685},{"word":"main","start":1742.42,"end":1742.8201,"confidence":1.0,"punctuated_word":"main","sentiment":"negative","sentiment_score":-0.34042781591415405},{"word":"policy","start":1742.8201,"end":1743.14,"confidence":0.38085938,"punctuated_word":"policy","sentiment":"negative","sentiment_score":-0.3921698033809662},{"word":"it","start":1743.3,"end":1743.38,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.30504536628723145},{"word":"is","start":1743.38,"end":1743.62,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3036569654941559},{"word":"the","start":1743.62,"end":1743.86,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3396747410297394},{"word":"most","start":1743.86,"end":1744.36,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.26860499382019043},{"word":"policy","start":1745.4601,"end":1745.86,"confidence":0.9970703,"punctuated_word":"policy","sentiment":"negative","sentiment_score":-0.3621998429298401},{"word":"that's","start":1745.86,"end":1746.1,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2915777862071991},{"word":"claimed","start":1746.1,"end":1746.5,"confidence":0.9980469,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":-0.20420154929161072},{"word":"upon","start":1746.5,"end":1747.0,"confidence":0.9658203,"punctuated_word":"upon.","sentiment":"neutral","sentiment_score":-0.31712910532951355},{"word":"and","start":1748.26,"end":1748.5,"confidence":0.9243164,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2306820452213287},{"word":"given","start":1748.5,"end":1749.0,"confidence":1.0,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.32360804080963135},{"word":"that","start":1749.22,"end":1749.54,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2547813653945923},{"word":"if","start":1749.54,"end":1749.7001,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.30365779995918274},{"word":"you","start":1749.7001,"end":1749.86,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.36077529191970825},{"word":"were","start":1749.86,"end":1750.1,"confidence":0.86865234,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.39114445447921753},{"word":"unable","start":1750.1,"end":1750.6,"confidence":1.0,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.4804953336715698},{"word":"to","start":1750.66,"end":1750.8201,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4999890327453614},{"word":"work","start":1750.8201,"end":1751.14,"confidence":1.0,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.5455719828605652},{"word":"due","start":1751.14,"end":1751.38,"confidence":0.99902344,"punctuated_word":"due","sentiment":"negative","sentiment_score":-0.5277083516120911},{"word":"to","start":1751.38,"end":1751.54,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5952366590499878},{"word":"injury","start":1751.54,"end":1751.9401,"confidence":1.0,"punctuated_word":"injury","sentiment":"negative","sentiment_score":-0.5193504095077515},{"word":"or","start":1751.9401,"end":1752.18,"confidence":0.99902344,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.5555821657180786},{"word":"illness","start":1752.18,"end":1752.68,"confidence":0.9970703,"punctuated_word":"illness,","sentiment":"negative","sentiment_score":-0.420400470495224},{"word":"you","start":1754.685,"end":1755.005,"confidence":0.97509766,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.46454599499702454},{"word":"would","start":1755.005,"end":1755.505,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.4788258373737335},{"word":"have","start":1756.365,"end":1756.605,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4977490305900574},{"word":"no","start":1756.605,"end":1756.845,"confidence":1.0,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.45241621136665344},{"word":"source","start":1756.845,"end":1757.085,"confidence":1.0,"punctuated_word":"source","sentiment":"negative","sentiment_score":-0.5201773643493652},{"word":"of","start":1757.085,"end":1757.245,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5287251472473145},{"word":"income","start":1757.245,"end":1757.745,"confidence":0.9909668,"punctuated_word":"income.","sentiment":"negative","sentiment_score":-0.45323681831359863},{"word":"so","start":1758.045,"end":1758.285,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.32527101039886475},{"word":"that","start":1758.285,"end":1758.525,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.48202139139175415},{"word":"financial","start":1758.525,"end":1759.025,"confidence":0.9970703,"punctuated_word":"financial","sentiment":"negative","sentiment_score":-0.5199528336524963},{"word":"stress","start":1759.245,"end":1759.745,"confidence":0.99902344,"punctuated_word":"stress","sentiment":"negative","sentiment_score":-0.5278504490852356},{"word":"of","start":1760.285,"end":1760.785,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5619475841522217},{"word":"mortgage","start":1761.805,"end":1762.285,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"negative","sentiment_score":-0.5030006766319275},{"word":"repayments","start":1762.285,"end":1762.785,"confidence":0.99560547,"punctuated_word":"repayments","sentiment":"negative","sentiment_score":-0.5459784269332886},{"word":"and","start":1763.245,"end":1763.645,"confidence":0.9980469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5330166816711426},{"word":"debt","start":1763.645,"end":1763.965,"confidence":1.0,"punctuated_word":"debt","sentiment":"negative","sentiment_score":-0.5448871850967407},{"word":"repayments","start":1763.965,"end":1764.465,"confidence":0.9946289,"punctuated_word":"repayments","sentiment":"negative","sentiment_score":-0.515365481376648},{"word":"is","start":1764.685,"end":1764.845,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.43992379307746887},{"word":"only","start":1764.845,"end":1765.165,"confidence":1.0,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.4098411798477173},{"word":"gonna","start":1765.165,"end":1765.485,"confidence":0.93408203,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4926692247390747},{"word":"compound","start":1765.485,"end":1765.985,"confidence":0.9875488,"punctuated_word":"compound.","sentiment":"negative","sentiment_score":-0.4233410954475403},{"word":"at","start":1766.76,"end":1766.92,"confidence":1.0,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.1924079805612564},{"word":"least","start":1766.92,"end":1767.0,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.24664771556854248},{"word":"this","start":1767.0,"end":1767.3201,"confidence":0.9614258,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.14831975102424622},{"word":"way","start":1767.3201,"end":1767.64,"confidence":0.9003906,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.18774794042110443},{"word":"you","start":1767.64,"end":1767.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22742891311645508},{"word":"have","start":1767.8,"end":1768.2001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.32822924852371216},{"word":"some","start":1768.2001,"end":1768.68,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2481612265110016},{"word":"level","start":1768.68,"end":1769.16,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.2105200886726379},{"word":"of","start":1769.16,"end":1769.4,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28399115800857544},{"word":"protection","start":1769.4,"end":1769.9,"confidence":0.99658203,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.31635528802871704},{"word":"yeah","start":1773.48,"end":1773.8,"confidence":0.95410156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01051883026957512},{"word":"it","start":1773.8,"end":1774.04,"confidence":0.9614258,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.008553288877010345},{"word":"i","start":1774.84,"end":1775.0,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016908608376979828},{"word":"totally","start":1775.0,"end":1775.4,"confidence":1.0,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.10458923876285552},{"word":"understand","start":1775.4,"end":1775.88,"confidence":0.9995117,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.02725532278418541},{"word":"so","start":1775.88,"end":1776.04,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01935724914073944},{"word":"your","start":1776.04,"end":1776.2001,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09034834802150726},{"word":"superannuation","start":1776.2001,"end":1776.7001,"confidence":0.99902344,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.05411973595619202},{"word":"fund","start":1777.0,"end":1777.24,"confidence":1.0,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.06352285295724869},{"word":"is","start":1777.24,"end":1777.48,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07535628229379654},{"word":"paying","start":1777.48,"end":1777.8,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.08365121483802795},{"word":"for","start":1777.8,"end":1777.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09240168333053587},{"word":"that","start":1777.96,"end":1778.2001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1039481982588768},{"word":"premium","start":1778.2001,"end":1778.7001,"confidence":0.810791,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":-0.06699148565530777},{"word":"at","start":1779.0801,"end":1779.24,"confidence":0.99902344,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.12358589470386504},{"word":"the","start":1779.24,"end":1779.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13548873364925385},{"word":"moment","start":1779.4,"end":1779.72,"confidence":0.9975586,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.14524100720882416},{"word":"it's","start":1779.72,"end":1779.96,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17770269513130188},{"word":"not","start":1779.96,"end":1780.12,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17263567447662354},{"word":"coming","start":1780.12,"end":1780.4401,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.20104293525218964},{"word":"out","start":1780.4401,"end":1780.52,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2588576078414917},{"word":"of","start":1780.52,"end":1780.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2358457148075104},{"word":"your","start":1780.68,"end":1780.92,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2316737174987793},{"word":"personal","start":1780.92,"end":1781.4,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.2068760842084885},{"word":"cash","start":1781.4,"end":1781.64,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.22023476660251615},{"word":"flow","start":1781.64,"end":1782.14,"confidence":0.9675293,"punctuated_word":"flow.","sentiment":"neutral","sentiment_score":-0.15629039704799652},{"word":"that","start":1783.735,"end":1784.235,"confidence":0.31103516,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.05476302653551102},{"word":"i","start":1784.935,"end":1785.095,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042733848094940186},{"word":"would","start":1785.095,"end":1785.335,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.00535978376865387},{"word":"strongly","start":1785.335,"end":1785.835,"confidence":1.0,"punctuated_word":"strongly","sentiment":"neutral","sentiment_score":0.02916492521762848},{"word":"recommend","start":1785.895,"end":1786.375,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.05144868791103363},{"word":"def","start":1786.375,"end":1786.615,"confidence":0.54833984,"punctuated_word":"def","sentiment":"neutral","sentiment_score":0.0150722935795784},{"word":"definitely","start":1786.855,"end":1787.355,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.012053951621055605},{"word":"not","start":1787.575,"end":1787.895,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18478822708129883},{"word":"canceling","start":1787.895,"end":1788.395,"confidence":0.953125,"punctuated_word":"canceling","sentiment":"neutral","sentiment_score":-0.2375708818435669},{"word":"it","start":1788.455,"end":1788.935,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.18507471680641177},{"word":"it's","start":1788.935,"end":1789.255,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1415591686964035},{"word":"obviously","start":1789.255,"end":1789.755,"confidence":0.96533203,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.08748211711645126},{"word":"an","start":1789.815,"end":1790.055,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.09630589187145232},{"word":"individual","start":1790.055,"end":1790.555,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":-0.10294383019208908},{"word":"decision","start":1790.935,"end":1791.435,"confidence":0.91186523,"punctuated_word":"decision,","sentiment":"neutral","sentiment_score":-0.10476688295602798},{"word":"which","start":1792.215,"end":1792.695,"confidence":0.87353516,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.113900288939476},{"word":"i","start":1792.695,"end":1792.855,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11432022601366044},{"word":"will","start":1792.855,"end":1793.175,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.08689627796411514},{"word":"leave","start":1793.175,"end":1793.675,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.12440831959247588},{"word":"to","start":1793.815,"end":1794.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08073406666517258},{"word":"you","start":1794.055,"end":1794.295,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09590167552232742},{"word":"to","start":1794.295,"end":1794.455,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09034212678670885},{"word":"make","start":1794.455,"end":1794.955,"confidence":0.92407227,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":-0.11795835196971892},{"word":"but","start":1795.15,"end":1795.39,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12159235775470734},{"word":"it","start":1795.39,"end":1795.47,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19903582334518433},{"word":"would","start":1795.47,"end":1795.79,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2751248776912689},{"word":"have","start":1795.79,"end":1796.03,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.22222696244716644},{"word":"flow","start":1796.03,"end":1796.27,"confidence":0.3317871,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.2070772647857666},{"word":"on","start":1796.27,"end":1796.59,"confidence":0.6123047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1930503696203232},{"word":"effects","start":1796.59,"end":1797.07,"confidence":0.92578125,"punctuated_word":"effects","sentiment":"neutral","sentiment_score":-0.18699441850185392},{"word":"to","start":1797.07,"end":1797.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17817053198814392},{"word":"your","start":1798.4299,"end":1798.9299,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2191830426454544},{"word":"financial","start":1799.23,"end":1799.73,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.21685510873794556},{"word":"situation","start":1799.87,"end":1800.37,"confidence":0.9951172,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.2180548757314682},{"word":"in","start":1803.39,"end":1803.55,"confidence":0.9536133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10761166363954544},{"word":"the","start":1803.55,"end":1803.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024498077109456062},{"word":"event","start":1803.71,"end":1804.03,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.052195437252521515},{"word":"of","start":1804.03,"end":1804.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04758722335100174},{"word":"repaying","start":1804.51,"end":1805.01,"confidence":0.9995117,"punctuated_word":"repaying","sentiment":"neutral","sentiment_score":-0.0668988898396492},{"word":"debt","start":1805.07,"end":1805.57,"confidence":0.9980469,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.0804402232170105},{"word":"and","start":1805.71,"end":1805.95,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.052645616233348846},{"word":"those","start":1805.95,"end":1806.27,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.0591556541621685},{"word":"types","start":1806.27,"end":1806.51,"confidence":1.0,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.06651021540164948},{"word":"of","start":1806.51,"end":1806.67,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.053034111857414246},{"word":"things","start":1806.67,"end":1806.99,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.03139707073569298},{"word":"because","start":1806.99,"end":1807.23,"confidence":0.7973633,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02911391109228134},{"word":"you'd","start":1807.23,"end":1807.47,"confidence":1.0,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.035503290593624115},{"word":"be","start":1807.47,"end":1807.63,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0325448215007782},{"word":"solely","start":1807.63,"end":1808.11,"confidence":0.9921875,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":-0.025048183277249336},{"word":"relying","start":1808.11,"end":1808.59,"confidence":0.50878906,"punctuated_word":"relying","sentiment":"neutral","sentiment_score":-0.028505995869636536},{"word":"on","start":1808.59,"end":1809.09,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03459559753537178},{"word":"timothy's","start":1809.15,"end":1809.65,"confidence":0.99853516,"punctuated_word":"Timothy's","sentiment":"neutral","sentiment_score":-0.028057588264346123},{"word":"wage","start":1809.71,"end":1810.035,"confidence":0.99902344,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":-0.027182139456272125},{"word":"then","start":1813.635,"end":1814.135,"confidence":0.9975586,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.03684500604867935},{"word":"yeah","start":1814.675,"end":1815.175,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04583663493394852},{"word":"so","start":1815.395,"end":1815.635,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03849717974662781},{"word":"i","start":1815.635,"end":1815.7151,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05524609982967377},{"word":"can","start":1815.7151,"end":1815.9551,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0647677630186081},{"word":"look","start":1815.9551,"end":1816.1951,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.061065953224897385},{"word":"at","start":1816.1951,"end":1816.6951,"confidence":0.96875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02967270463705063},{"word":"i","start":1817.0751,"end":1817.3151,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.059586625546216965},{"word":"can","start":1817.3151,"end":1817.555,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07156290113925934},{"word":"look","start":1817.555,"end":1817.7151,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.040909651666879654},{"word":"at","start":1817.7151,"end":1818.035,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.018033087253570557},{"word":"bumping","start":1818.035,"end":1818.435,"confidence":1.0,"punctuated_word":"bumping","sentiment":"neutral","sentiment_score":0.034576959908008575},{"word":"it","start":1818.435,"end":1818.5951,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.001126810908317566},{"word":"up","start":1818.5951,"end":1818.8351,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.003377713263034821},{"word":"to","start":1818.8351,"end":1819.0751,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0061220936477184296},{"word":"a","start":1819.0751,"end":1819.235,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016579318791627884},{"word":"maximum","start":1819.235,"end":1819.735,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.01448577642440796},{"word":"of","start":1819.795,"end":1820.035,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017680976539850235},{"word":"$4,141","start":1820.035,"end":1822.035,"confidence":0.999442,"punctuated_word":"$4,141","sentiment":"neutral","sentiment_score":-0.006740047596395016},{"word":"a","start":1822.035,"end":1822.1951,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.032046496868133545},{"word":"month","start":1822.1951,"end":1822.515,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.017125774174928665},{"word":"if","start":1822.515,"end":1822.675,"confidence":0.7392578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.023372240364551544},{"word":"you","start":1822.675,"end":1822.8351,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013720206916332243},{"word":"want","start":1822.8351,"end":1822.995,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0120428167283535},{"word":"me","start":1822.995,"end":1823.235,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.023761942982673645},{"word":"to","start":1823.235,"end":1823.64,"confidence":0.99560547,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.012692878022789955},{"word":"you'd","start":1823.88,"end":1824.04,"confidence":0.9995117,"punctuated_word":"You'd","sentiment":"neutral","sentiment_score":-0.05103649944067001},{"word":"have","start":1824.04,"end":1824.2001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05492128431797027},{"word":"to","start":1824.2001,"end":1824.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0780104249715805},{"word":"go","start":1824.36,"end":1824.6,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.07730866968631744},{"word":"through","start":1824.6,"end":1824.92,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.07464005053043365},{"word":"underwriting","start":1824.92,"end":1825.42,"confidence":0.98502606,"punctuated_word":"underwriting.","sentiment":"neutral","sentiment_score":-0.05289733037352562},{"word":"so","start":1825.56,"end":1825.8,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.033123500645160675},{"word":"you","start":1825.8,"end":1825.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008083917200565338},{"word":"might","start":1825.88,"end":1826.12,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0004203282296657562},{"word":"recall","start":1826.12,"end":1826.36,"confidence":1.0,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":0.012252628803253174},{"word":"when","start":1826.36,"end":1826.52,"confidence":0.9667969,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0013591870665550232},{"word":"you","start":1826.52,"end":1826.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007785223424434662},{"word":"set","start":1826.68,"end":1826.84,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.022060289978981015},{"word":"these","start":1826.84,"end":1827.08,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.02057822048664093},{"word":"policies","start":1827.08,"end":1827.48,"confidence":1.0,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.04964079335331917},{"word":"up","start":1827.48,"end":1827.72,"confidence":0.98657227,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.011846214532852173},{"word":"you","start":1827.72,"end":1827.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02468376606702805},{"word":"had","start":1827.88,"end":1828.04,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.013502784073352814},{"word":"to","start":1828.04,"end":1828.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.056546010076999664},{"word":"go","start":1828.12,"end":1828.28,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04868009686470032},{"word":"through","start":1828.28,"end":1828.78,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03677310049533844},{"word":"an","start":1829.72,"end":1830.04,"confidence":0.89208984,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06787405908107758},{"word":"underwriting","start":1830.04,"end":1830.52,"confidence":1.0,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":-0.051617175340652466},{"word":"process","start":1830.52,"end":1831.02,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.07502342760562897},{"word":"with","start":1831.08,"end":1831.3201,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08894965052604675},{"word":"medical","start":1831.3201,"end":1831.72,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.0920892208814621},{"word":"questionnaires","start":1831.72,"end":1832.22,"confidence":0.96565753,"punctuated_word":"questionnaires.","sentiment":"neutral","sentiment_score":-0.03398161381483078},{"word":"that","start":1833.16,"end":1833.4,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.04266528785228729},{"word":"process","start":1833.4,"end":1833.88,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.038820091634988785},{"word":"would","start":1833.88,"end":1834.12,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05141137540340424},{"word":"need","start":1834.12,"end":1834.4401,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.04392629116773605},{"word":"to","start":1834.4401,"end":1834.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05238144099712372},{"word":"occur","start":1834.68,"end":1835.16,"confidence":0.99902344,"punctuated_word":"occur","sentiment":"neutral","sentiment_score":-0.06434290111064911},{"word":"for","start":1835.16,"end":1835.4,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08988213539123535},{"word":"that","start":1835.4,"end":1835.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09528285264968872},{"word":"increase","start":1835.88,"end":1836.38,"confidence":0.85498047,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":-0.048592351377010345},{"word":"and","start":1837.72,"end":1838.145,"confidence":0.9741211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.003561854362487793},{"word":"okay","start":1842.185,"end":1842.685,"confidence":0.7915039,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11452348530292512},{"word":"okay","start":1842.9451,"end":1843.4451,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.20653513073921204},{"word":"it","start":1850.305,"end":1850.545,"confidence":0.9941406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0463685467839241},{"word":"is","start":1850.545,"end":1850.865,"confidence":0.99194336,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.00662921741604805},{"word":"it","start":1850.865,"end":1851.105,"confidence":0.98828125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.032972633838653564},{"word":"is","start":1851.105,"end":1851.505,"confidence":0.9909668,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.051851700991392136},{"word":"but","start":1851.505,"end":1851.745,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.003310658037662506},{"word":"the","start":1851.745,"end":1851.8251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01976821571588516},{"word":"option","start":1851.8251,"end":1852.0651,"confidence":0.984375,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.007381051778793335},{"word":"at","start":1852.225,"end":1852.305,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.018257707357406616},{"word":"least","start":1852.305,"end":1852.545,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.08309020847082138},{"word":"you","start":1852.545,"end":1852.625,"confidence":0.6791992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0036119967699050903},{"word":"know","start":1852.625,"end":1852.785,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0016568154096603394},{"word":"the","start":1852.785,"end":1852.9451,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04012022912502289},{"word":"options","start":1852.9451,"end":1853.345,"confidence":0.77441406,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.0008537769317626953},{"word":"there","start":1853.345,"end":1853.82,"confidence":0.9526367,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02715117484331131},{"word":"so","start":1854.38,"end":1854.62,"confidence":0.96777344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11643946170806883},{"word":"if","start":1854.62,"end":1854.86,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1234474927186966},{"word":"you","start":1854.86,"end":1855.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1196037083864212},{"word":"do","start":1855.1,"end":1855.34,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13530614972114563},{"word":"have","start":1855.34,"end":1855.58,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15963798761367798},{"word":"a","start":1855.58,"end":1855.6599,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1561010777950287},{"word":"think","start":1855.6599,"end":1855.98,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12743383646011353},{"word":"about","start":1855.98,"end":1856.22,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1939227283000946},{"word":"it","start":1856.22,"end":1856.46,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14691908657550812},{"word":"and","start":1856.46,"end":1856.7799,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16217254102230072},{"word":"you","start":1856.7799,"end":1857.1,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19109871983528137},{"word":"change","start":1857.1,"end":1857.4199,"confidence":0.69091797,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.15873616933822632},{"word":"your","start":1857.4199,"end":1857.6599,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16022604703903198},{"word":"mind","start":1857.6599,"end":1857.98,"confidence":0.9980469,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.139193594455719},{"word":"you","start":1857.98,"end":1858.22,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16057872772216797},{"word":"just","start":1858.22,"end":1858.46,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12275438010692596},{"word":"phone","start":1858.46,"end":1858.7799,"confidence":0.9589844,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.1173599734902382},{"word":"back","start":1858.7799,"end":1859.0199,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11326147615909576},{"word":"or","start":1859.0199,"end":1859.2599,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08311792463064194},{"word":"send","start":1859.2599,"end":1859.5,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08986371755599976},{"word":"an","start":1859.5,"end":1859.6599,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09197886288166046},{"word":"email","start":1859.6599,"end":1860.0599,"confidence":0.873291,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.10300802439451218},{"word":"whatever","start":1860.0599,"end":1860.46,"confidence":0.98999023,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.12551234662532806},{"word":"and","start":1860.46,"end":1860.96,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11366185545921326},{"word":"i'll","start":1861.34,"end":1861.6599,"confidence":0.9719238,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14453791081905365},{"word":"get","start":1861.6599,"end":1861.82,"confidence":0.95410156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12120485305786131},{"word":"in","start":1861.82,"end":1862.0599,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11473536491394044},{"word":"contact","start":1862.0599,"end":1862.38,"confidence":0.99902344,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.14840158820152283},{"word":"with","start":1862.38,"end":1862.5399,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14716453850269318},{"word":"you","start":1862.5399,"end":1862.7799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1285858154296875},{"word":"again","start":1862.7799,"end":1863.2799,"confidence":0.9880371,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.12748801708221436},{"word":"the","start":1865.2599,"end":1865.6599,"confidence":0.5917969,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.21763932704925537},{"word":"that's","start":1865.82,"end":1866.1399,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21882694959640503},{"word":"okay","start":1866.1399,"end":1866.62,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.15289151668548584},{"word":"and","start":1866.62,"end":1866.7799,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.043992333114147186},{"word":"then","start":1866.7799,"end":1867.0199,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.027967065572738647},{"word":"the","start":1867.0199,"end":1867.1799,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06225981190800667},{"word":"next","start":1867.1799,"end":1867.5,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.07220587134361267},{"word":"policy","start":1867.5,"end":1867.98,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.0858062133193016},{"word":"you","start":1867.98,"end":1868.1399,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1322864443063736},{"word":"have","start":1868.1399,"end":1868.38,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11759494990110396},{"word":"down","start":1868.38,"end":1868.7,"confidence":0.9790039,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.08975425362586975},{"word":"is","start":1868.7,"end":1868.86,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.118055522441864},{"word":"a","start":1868.86,"end":1869.075,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09028564393520357},{"word":"trauma","start":1869.1549,"end":1869.5549,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.10819672048091888},{"word":"policy","start":1869.5549,"end":1869.955,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.12727254629135132},{"word":"with","start":1869.955,"end":1870.195,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1019205003976822},{"word":"a","start":1870.195,"end":1870.4349,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12495863437652588},{"word":"small","start":1870.4349,"end":1870.755,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.09635927528142928},{"word":"life","start":1870.755,"end":1871.075,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.1559501737356186},{"word":"policy","start":1871.075,"end":1871.5549,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.10401494801044464},{"word":"attached","start":1871.5549,"end":1872.0549,"confidence":0.8359375,"punctuated_word":"attached,","sentiment":"neutral","sentiment_score":-0.0880151316523552},{"word":"and","start":1872.5149,"end":1872.755,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0878242701292038},{"word":"that's","start":1872.755,"end":1873.075,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.15103498101234436},{"word":"costing","start":1873.075,"end":1873.475,"confidence":1.0,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":-0.1022263914346695},{"word":"you","start":1873.475,"end":1873.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1431305855512619},{"word":"$19.02","start":1873.955,"end":1876.115,"confidence":1.0,"punctuated_word":"$19.02","sentiment":"neutral","sentiment_score":-0.1009664386510849},{"word":"per","start":1876.115,"end":1876.355,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.13912688195705414},{"word":"month","start":1876.355,"end":1876.6749,"confidence":0.84228516,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.12327688932418825},{"word":"and","start":1876.6749,"end":1876.9149,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10673756897449492},{"word":"that","start":1876.9149,"end":1877.235,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14068922400474548},{"word":"does","start":1877.235,"end":1877.5549,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.11486339569091795},{"word":"come","start":1877.5549,"end":1877.7949,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.12150679528713226},{"word":"from","start":1877.7949,"end":1878.0349,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.14339858293533325},{"word":"your","start":1878.0349,"end":1878.2749,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15991927683353424},{"word":"personal","start":1878.2749,"end":1878.755,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.1758963167667389},{"word":"cash","start":1878.755,"end":1878.995,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.1648799180984497},{"word":"flow","start":1878.995,"end":1879.495,"confidence":0.99121094,"punctuated_word":"flow.","sentiment":"neutral","sentiment_score":-0.15169498324394226},{"word":"so","start":1879.715,"end":1879.875,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09523143619298936},{"word":"that's","start":1879.875,"end":1880.375,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08717404305934906},{"word":"deducted","start":1880.5149,"end":1881.0149,"confidence":1.0,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":-0.07805317640304565},{"word":"from","start":1881.65,"end":1881.89,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.10103809088468552},{"word":"most","start":1881.89,"end":1882.21,"confidence":0.6855469,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.08952544629573822},{"word":"likely","start":1882.21,"end":1882.5299,"confidence":0.99902344,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.1148700937628746},{"word":"a","start":1882.5299,"end":1882.69,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11262430250644684},{"word":"bank","start":1882.69,"end":1882.9299,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.11077461391687392},{"word":"account","start":1882.9299,"end":1883.1699,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.10414451360702516},{"word":"or","start":1883.1699,"end":1883.4099,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.142412006855011},{"word":"a","start":1883.4099,"end":1883.49,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11344412714242937},{"word":"credit","start":1883.49,"end":1883.73,"confidence":1.0,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.09391986578702928},{"word":"card","start":1883.73,"end":1884.23,"confidence":0.8510742,"punctuated_word":"card.","sentiment":"neutral","sentiment_score":-0.072468101978302},{"word":"fantastic","start":1887.8099,"end":1888.3099,"confidence":0.9951172,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5574583411216736},{"word":"alright","start":1889.09,"end":1889.59,"confidence":0.9995117,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06334719061851501},{"word":"so","start":1892.85,"end":1893.09,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09180255234241486},{"word":"what","start":1893.09,"end":1893.4099,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13202470541000366},{"word":"so","start":1893.57,"end":1893.8099,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11558815836906432},{"word":"the","start":1893.8099,"end":1893.97,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13205145299434662},{"word":"reason","start":1893.97,"end":1894.37,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.15344661474227905},{"word":"why","start":1894.37,"end":1894.87,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.12906619906425476},{"word":"the","start":1895.09,"end":1895.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16672997176647186},{"word":"life","start":1895.33,"end":1895.57,"confidence":0.99316406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.2056012600660324},{"word":"is","start":1895.57,"end":1895.73,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12915770709514618},{"word":"attached","start":1895.73,"end":1896.165,"confidence":1.0,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":-0.14330697059631348},{"word":"to","start":1896.165,"end":1896.3251,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10457577556371687},{"word":"the","start":1896.3251,"end":1896.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12697221338748932},{"word":"trauma","start":1896.485,"end":1896.985,"confidence":0.98999023,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.11439038813114166},{"word":"believe","start":1897.045,"end":1897.285,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.12213966250419615},{"word":"it","start":1897.285,"end":1897.365,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08624599874019623},{"word":"or","start":1897.365,"end":1897.525,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05617882311344147},{"word":"not","start":1897.525,"end":1898.025,"confidence":0.9641113,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.10341742634773254},{"word":"if","start":1898.245,"end":1898.485,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1458066999912262},{"word":"you","start":1898.485,"end":1898.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1586189568042755},{"word":"purchase","start":1898.645,"end":1899.145,"confidence":0.94921875,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.19985589385032657},{"word":"trauma","start":1899.2051,"end":1899.685,"confidence":0.9980469,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.13672536611557007},{"word":"on","start":1899.685,"end":1899.8451,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2202639877796173},{"word":"its","start":1899.8451,"end":1900.0851,"confidence":0.9970703,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.19041708111763},{"word":"own","start":1900.0851,"end":1900.5851,"confidence":0.99902344,"punctuated_word":"own,","sentiment":"neutral","sentiment_score":-0.2070997655391693},{"word":"the","start":1900.885,"end":1901.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34655851125717163},{"word":"premium","start":1901.045,"end":1901.545,"confidence":1.0,"punctuated_word":"premium","sentiment":"negative","sentiment_score":-0.4098936319351196},{"word":"is","start":1901.925,"end":1902.425,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3590300381183624},{"word":"significantly","start":1902.885,"end":1903.385,"confidence":1.0,"punctuated_word":"significantly","sentiment":"negative","sentiment_score":-0.3524780869483948},{"word":"higher","start":1903.765,"end":1904.245,"confidence":0.99902344,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.22720004618167877},{"word":"if","start":1904.245,"end":1904.405,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.15104907751083374},{"word":"you","start":1904.405,"end":1904.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1168217733502388},{"word":"attach","start":1904.805,"end":1905.125,"confidence":0.96533203,"punctuated_word":"attach","sentiment":"neutral","sentiment_score":-0.11999373137950896},{"word":"a","start":1905.125,"end":1905.4451,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12762683629989624},{"word":"life","start":1905.4451,"end":1905.765,"confidence":0.9248047,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.15376287698745728},{"word":"policy","start":1905.765,"end":1906.265,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.10180775076150894},{"word":"that","start":1906.805,"end":1906.9651,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0866062343120575},{"word":"is","start":1906.9651,"end":1907.2051,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06961539387702942},{"word":"a","start":1907.2051,"end":1907.4451,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06300777196884155},{"word":"smaller","start":1907.4451,"end":1907.9451,"confidence":0.99902344,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":-0.0632309764623642},{"word":"that","start":1908.7251,"end":1908.9651,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06016913801431656},{"word":"matches","start":1908.9651,"end":1909.4651,"confidence":0.9970703,"punctuated_word":"matches","sentiment":"neutral","sentiment_score":-0.07061298191547394},{"word":"the","start":1909.525,"end":1909.685,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09353553503751756},{"word":"amount","start":1909.685,"end":1909.925,"confidence":0.9941406,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.0671909898519516},{"word":"of","start":1909.925,"end":1910.0851,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08099481463432312},{"word":"the","start":1910.0851,"end":1910.34,"confidence":0.56591797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08912922441959381},{"word":"trauma","start":1910.5,"end":1910.82,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.06441614031791687},{"word":"policy","start":1910.82,"end":1911.14,"confidence":0.98217773,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.07432976365089417},{"word":"it","start":1911.14,"end":1911.38,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1066265106201172},{"word":"actually","start":1911.38,"end":1911.86,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.11937543749809264},{"word":"discounts","start":1911.86,"end":1912.26,"confidence":0.9741211,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":-0.10615169256925584},{"word":"it","start":1912.26,"end":1912.76,"confidence":0.8828125,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.12519530951976776},{"word":"very","start":1913.0599,"end":1913.38,"confidence":0.9873047,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":-0.2886190414428711},{"word":"backward","start":1913.38,"end":1913.7799,"confidence":0.9970703,"punctuated_word":"backward","sentiment":"neutral","sentiment_score":-0.231754332780838},{"word":"way","start":1913.7799,"end":1913.94,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.13793723285198212},{"word":"of","start":1913.94,"end":1914.1,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1278868466615677},{"word":"doing","start":1914.1,"end":1914.34,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.11828836798667908},{"word":"it","start":1914.34,"end":1914.58,"confidence":0.99560547,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.10369645059108734},{"word":"but","start":1914.58,"end":1914.82,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08523036539554596},{"word":"they","start":1914.82,"end":1914.98,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1472628116607666},{"word":"do","start":1914.98,"end":1915.14,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13678327202796936},{"word":"it","start":1915.14,"end":1915.62,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13062337040901184},{"word":"so","start":1915.62,"end":1915.86,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03572215512394905},{"word":"what","start":1915.86,"end":1916.1799,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02200676128268242},{"word":"so","start":1916.34,"end":1916.82,"confidence":0.9304199,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.03658825904130936},{"word":"basically","start":1916.82,"end":1917.32,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.029004191979765892},{"word":"what","start":1917.46,"end":1917.62,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.032560281455516815},{"word":"it","start":1917.62,"end":1917.7799,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033627673983573914},{"word":"means","start":1917.7799,"end":1918.02,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.03935603052377701},{"word":"is","start":1918.02,"end":1918.1,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03177247941493988},{"word":"you've","start":1918.1,"end":1918.34,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.048781655728816986},{"word":"got","start":1918.34,"end":1918.58,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0661897137761116},{"word":"an","start":1918.58,"end":1918.82,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06909942626953125},{"word":"additional","start":1918.82,"end":1919.2999,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.06928911805152893},{"word":"life","start":1919.2999,"end":1919.5399,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.10104060918092728},{"word":"insurance","start":1919.5399,"end":1920.02,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07511924207210541},{"word":"there","start":1920.02,"end":1920.26,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06973254680633545},{"word":"of","start":1920.26,"end":1920.5,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06896400451660156},{"word":"$54,838","start":1920.5,"end":1923.08,"confidence":0.9981079,"punctuated_word":"$54,838.","sentiment":"neutral","sentiment_score":-0.046846020966768265},{"word":"so","start":1923.855,"end":1924.015,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.017469819635152817},{"word":"what","start":1924.015,"end":1924.415,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.018391408026218414},{"word":"life","start":1924.415,"end":1924.815,"confidence":0.9951172,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.04000920429825783},{"word":"buyback","start":1924.815,"end":1925.315,"confidence":0.99121094,"punctuated_word":"buyback","sentiment":"neutral","sentiment_score":-0.019896944984793663},{"word":"means","start":1925.375,"end":1925.775,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.026386043056845665},{"word":"is","start":1925.775,"end":1925.9349,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00843638926744461},{"word":"if","start":1925.9349,"end":1926.255,"confidence":0.97802734,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012876629829406738},{"word":"if","start":1926.255,"end":1926.495,"confidence":0.5810547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02218298614025116},{"word":"you","start":1926.495,"end":1926.655,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026163853704929352},{"word":"do","start":1926.655,"end":1926.895,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01234734058380127},{"word":"claim","start":1926.895,"end":1927.295,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.031146343797445297},{"word":"on","start":1927.295,"end":1927.375,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0479544959962368},{"word":"that","start":1927.375,"end":1927.615,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.055052436888217926},{"word":"trauma","start":1927.615,"end":1928.095,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.06397880613803864},{"word":"policy","start":1928.095,"end":1928.575,"confidence":0.9460449,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.03853216767311096},{"word":"if","start":1928.575,"end":1928.655,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.032269470393657684},{"word":"you","start":1928.655,"end":1928.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04520144313573837},{"word":"are","start":1928.815,"end":1929.215,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.047694046050310135},{"word":"diagnosed","start":1929.215,"end":1929.695,"confidence":0.9970703,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.07808603346347809},{"word":"with","start":1929.695,"end":1930.195,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08257541060447693},{"word":"a","start":1930.495,"end":1930.735,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.057475700974464417},{"word":"specific","start":1930.735,"end":1931.235,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.08082650601863861},{"word":"illness","start":1932.655,"end":1933.155,"confidence":0.8222656,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.07237491011619568},{"word":"or","start":1933.295,"end":1933.615,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04988238960504532},{"word":"diagnosis","start":1933.615,"end":1934.115,"confidence":0.82543945,"punctuated_word":"diagnosis,","sentiment":"neutral","sentiment_score":-0.04818800836801529},{"word":"you","start":1936.735,"end":1936.895,"confidence":0.97265625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0605790801346302},{"word":"do","start":1936.895,"end":1937.135,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07477761805057526},{"word":"have","start":1937.135,"end":1937.375,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04981476441025734},{"word":"the","start":1937.375,"end":1937.535,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04655615612864494},{"word":"ability","start":1937.535,"end":1938.035,"confidence":0.9970703,"punctuated_word":"ability","sentiment":"neutral","sentiment_score":0.07826131582260132},{"word":"to","start":1938.095,"end":1938.255,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06262773275375366},{"word":"buy","start":1938.255,"end":1938.495,"confidence":0.9902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.012382429093122482},{"word":"that","start":1938.495,"end":1938.735,"confidence":0.95947266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04133181273937225},{"word":"life","start":1938.735,"end":1939.235,"confidence":0.9770508,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.0138908252120018},{"word":"insurance","start":1939.48,"end":1939.7999,"confidence":0.7458496,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.03562510758638382},{"word":"some","start":1939.7999,"end":1940.12,"confidence":0.93115234,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04509777948260307},{"word":"insured","start":1940.12,"end":1940.5199,"confidence":0.9941406,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.010406680405139925},{"word":"back","start":1940.5199,"end":1941.0199,"confidence":0.9580078,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.014901548624038696},{"word":"after","start":1941.1599,"end":1941.48,"confidence":0.7270508,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.024571113288402557},{"word":"a","start":1941.48,"end":1941.6399,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009388966485857964},{"word":"twelve","start":1941.6399,"end":1941.96,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.008893776684999466},{"word":"month","start":1941.96,"end":1942.36,"confidence":0.8886719,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.0187605582177639},{"word":"period","start":1942.36,"end":1942.84,"confidence":0.8779297,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.02343570441007614},{"word":"that's","start":1942.84,"end":1943.1599,"confidence":0.953125,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03190774843096733},{"word":"what","start":1943.1599,"end":1943.32,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01999807357788086},{"word":"that","start":1943.32,"end":1943.48,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03159145638346672},{"word":"means","start":1943.48,"end":1943.98,"confidence":0.99853516,"punctuated_word":"means.","sentiment":"neutral","sentiment_score":0.01937350630760193},{"word":"that's","start":1950.12,"end":1950.44,"confidence":0.73327637,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4229755401611328},{"word":"that's","start":1950.44,"end":1950.7599,"confidence":0.8666992,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4158246517181397},{"word":"absolutely","start":1950.7599,"end":1951.2599,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.3525369167327881},{"word":"fine","start":1951.6399,"end":1952.1399,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.3111758232116699},{"word":"the","start":1954.0651,"end":1954.225,"confidence":0.9614258,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.022388767451047897},{"word":"next","start":1954.225,"end":1954.625,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.003519725054502487},{"word":"document","start":1954.625,"end":1955.125,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.013586536049842834},{"word":"is","start":1955.345,"end":1955.585,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008654262870550156},{"word":"your","start":1955.585,"end":1955.905,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022729206830263134},{"word":"performance","start":1955.905,"end":1956.385,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.0005840286612510681},{"word":"report","start":1956.385,"end":1956.865,"confidence":0.75561523,"punctuated_word":"report,","sentiment":"neutral","sentiment_score":-0.016588186845183372},{"word":"so","start":1956.865,"end":1957.185,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0024777427315711975},{"word":"for","start":1957.185,"end":1957.345,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011229259893298147},{"word":"the","start":1957.345,"end":1957.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007934944704174995},{"word":"last","start":1957.505,"end":1957.905,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.019944265484809875},{"word":"twelve","start":1957.905,"end":1958.305,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.009582269936800005},{"word":"months","start":1958.305,"end":1958.805,"confidence":0.99658203,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.005607651546597481},{"word":"the","start":1959.905,"end":1960.0651,"confidence":0.9428711,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04435087740421295},{"word":"first","start":1960.0651,"end":1960.305,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.053315721452236176},{"word":"thing","start":1960.305,"end":1960.705,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.04299924522638321},{"word":"i","start":1960.705,"end":1960.865,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04810883849859238},{"word":"highlight","start":1960.865,"end":1961.265,"confidence":1.0,"punctuated_word":"highlight","sentiment":"neutral","sentiment_score":-0.05635674297809601},{"word":"with","start":1961.265,"end":1961.505,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08452776074409485},{"word":"every","start":1961.505,"end":1961.745,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.08528962731361389},{"word":"single","start":1961.745,"end":1962.0651,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":-0.07756085693836212},{"word":"client","start":1962.0651,"end":1962.385,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":-0.059613898396492},{"word":"that","start":1962.385,"end":1962.545,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08739021420478821},{"word":"i'm","start":1962.545,"end":1962.785,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06937958300113678},{"word":"speaking","start":1962.785,"end":1963.105,"confidence":1.0,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":-0.05635237693786621},{"word":"with","start":1963.105,"end":1963.425,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07868794351816177},{"word":"is","start":1963.425,"end":1963.585,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07322448492050171},{"word":"the","start":1963.585,"end":1963.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06800121068954468},{"word":"very","start":1963.745,"end":1963.985,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.07246726006269455},{"word":"first","start":1963.985,"end":1964.225,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.0612499862909317},{"word":"fund","start":1964.225,"end":1964.465,"confidence":0.96655273,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.06434794515371323},{"word":"the","start":1964.465,"end":1964.625,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05943215638399124},{"word":"benelon","start":1964.625,"end":1965.025,"confidence":0.59716797,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.04558756947517395},{"word":"australian","start":1965.025,"end":1965.425,"confidence":0.7441406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.032851364463567734},{"word":"equities","start":1965.425,"end":1965.925,"confidence":0.86621094,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":-0.03722414001822472},{"word":"fund","start":1965.985,"end":1966.485,"confidence":0.93725586,"punctuated_word":"Fund.","sentiment":"neutral","sentiment_score":-0.052805326879024506},{"word":"you'll","start":1966.88,"end":1967.12,"confidence":1.0,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":-0.07059679180383682},{"word":"see","start":1967.12,"end":1967.28,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.16389186680316925},{"word":"some","start":1967.28,"end":1967.68,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.18956045806407928},{"word":"negative","start":1967.68,"end":1968.16,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.19629356265068057},{"word":"figures","start":1968.16,"end":1968.66,"confidence":0.99121094,"punctuated_word":"figures.","sentiment":"neutral","sentiment_score":-0.24537810683250427},{"word":"the","start":1970.4,"end":1970.56,"confidence":0.9453125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04959622770547867},{"word":"bet","start":1970.56,"end":1970.88,"confidence":0.5058594,"punctuated_word":"bet","sentiment":"neutral","sentiment_score":-0.0600150004029274},{"word":"yes","start":1971.4401,"end":1971.9401,"confidence":0.9941406,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.02917291224002838},{"word":"yes","start":1972.0801,"end":1972.5801,"confidence":0.99609375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.004296736791729927},{"word":"so","start":1972.7201,"end":1972.88,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018655721098184586},{"word":"the","start":1972.88,"end":1973.04,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029130108654499057},{"word":"bennelong","start":1973.04,"end":1973.54,"confidence":1.0,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.015198196284472942},{"word":"australian","start":1973.6001,"end":1974.1001,"confidence":0.984375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.002081841230392456},{"word":"equities","start":1974.16,"end":1974.66,"confidence":0.97631836,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":-0.012975580990314484},{"word":"fund","start":1974.7201,"end":1975.2201,"confidence":0.9453125,"punctuated_word":"Fund,","sentiment":"neutral","sentiment_score":-0.008061746135354042},{"word":"our","start":1976.64,"end":1976.9601,"confidence":0.7915039,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0204770527780056},{"word":"our","start":1976.9601,"end":1977.28,"confidence":0.98095703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0057479143142700195},{"word":"investment","start":1977.28,"end":1977.78,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.04348129779100418},{"word":"committee","start":1977.8401,"end":1978.3401,"confidence":0.9970703,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.02930956333875656},{"word":"as","start":1978.9601,"end":1979.12,"confidence":0.34643555,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.011543363332748411},{"word":"approach","start":1979.12,"end":1979.62,"confidence":0.79296875,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":-0.010707825422286987},{"word":"is","start":1979.68,"end":1979.8401,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0004535280168056488},{"word":"not","start":1979.8401,"end":1980.16,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.024299100041389465},{"word":"to","start":1980.16,"end":1980.375,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03678474202752113},{"word":"be","start":1980.535,"end":1980.775,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05906525254249573},{"word":"reactive","start":1980.775,"end":1981.275,"confidence":1.0,"punctuated_word":"reactive","sentiment":"neutral","sentiment_score":-0.08958739042282104},{"word":"to","start":1981.415,"end":1981.735,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1395124793052673},{"word":"negative","start":1981.735,"end":1982.215,"confidence":0.99121094,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.14442679286003113},{"word":"performance","start":1982.215,"end":1982.715,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.2308533191680908},{"word":"because","start":1982.775,"end":1983.275,"confidence":0.9135742,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07131175696849823},{"word":"the","start":1983.975,"end":1984.215,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07866457104682922},{"word":"market","start":1984.215,"end":1984.615,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.16022659838199615},{"word":"does","start":1984.615,"end":1985.115,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.07035771757364273},{"word":"have","start":1985.575,"end":1985.735,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08679626882076263},{"word":"its","start":1985.735,"end":1986.235,"confidence":0.9370117,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.10718197375535964},{"word":"ups","start":1987.175,"end":1987.415,"confidence":0.8027344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.07269502431154251},{"word":"and","start":1987.415,"end":1987.575,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11085103452205658},{"word":"downs","start":1987.575,"end":1988.075,"confidence":0.99902344,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":-0.1122099980711937},{"word":"yep","start":1988.855,"end":1989.355,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.005454578902572393},{"word":"yep","start":1989.655,"end":1990.155,"confidence":0.92700195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0024589754175394773},{"word":"when","start":1990.375,"end":1990.615,"confidence":0.99121094,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.0510655865073204},{"word":"things","start":1990.615,"end":1991.015,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.08780747652053833},{"word":"become","start":1991.015,"end":1991.515,"confidence":0.92993164,"punctuated_word":"become,","sentiment":"neutral","sentiment_score":-0.07372202724218369},{"word":"let's","start":1991.815,"end":1992.055,"confidence":0.9633789,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.0710345208644867},{"word":"call","start":1992.055,"end":1992.295,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.07399177551269531},{"word":"it","start":1992.295,"end":1992.455,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05437178909778595},{"word":"systemic","start":1992.455,"end":1992.955,"confidence":0.7919922,"punctuated_word":"systemic","sentiment":"neutral","sentiment_score":-0.09588029235601424},{"word":"or","start":1993.015,"end":1993.255,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.055844444781541824},{"word":"long","start":1993.255,"end":1993.495,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.05737798660993576},{"word":"term","start":1993.495,"end":1993.995,"confidence":0.9970703,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.04184097796678543},{"word":"that's","start":1994.7899,"end":1995.11,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.054148487746715546},{"word":"when","start":1995.11,"end":1995.2699,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03834360092878342},{"word":"we","start":1995.2699,"end":1995.4299,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03890464082360267},{"word":"start","start":1995.4299,"end":1995.75,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.06949017941951752},{"word":"to","start":1995.75,"end":1995.9099,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05753302574157715},{"word":"review","start":1995.9099,"end":1996.4099,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.07466332614421844},{"word":"specific","start":1997.5099,"end":1998.0099,"confidence":0.99902344,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.06957888603210449},{"word":"funds","start":1998.07,"end":1998.57,"confidence":0.99853516,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.09860464930534364},{"word":"so","start":1999.19,"end":1999.69,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1772751808166504},{"word":"the","start":1999.83,"end":2000.07,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3488181531429291},{"word":"australian","start":2000.07,"end":2000.57,"confidence":1.0,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.29365548491477966},{"word":"share","start":2000.95,"end":2001.19,"confidence":0.9980469,"punctuated_word":"share","sentiment":"negative","sentiment_score":-0.43259990215301514},{"word":"market","start":2001.19,"end":2001.59,"confidence":0.99902344,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3788896799087525},{"word":"itself","start":2001.59,"end":2002.07,"confidence":1.0,"punctuated_word":"itself","sentiment":"negative","sentiment_score":-0.4738796353340149},{"word":"has","start":2002.07,"end":2002.23,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4152648448944092},{"word":"not","start":2002.23,"end":2002.47,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.37832024693489075},{"word":"performed","start":2002.47,"end":2002.7899,"confidence":0.9980469,"punctuated_word":"performed","sentiment":"negative","sentiment_score":-0.4154626429080963},{"word":"badly","start":2002.7899,"end":2003.2699,"confidence":0.99902344,"punctuated_word":"badly","sentiment":"negative","sentiment_score":-0.437408447265625},{"word":"in","start":2003.2699,"end":2003.35,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3424443006515503},{"word":"the","start":2003.35,"end":2003.5099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.33142590522766113},{"word":"last","start":2003.5099,"end":2003.75,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2814481854438782},{"word":"twelve","start":2003.75,"end":2003.99,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.2437773048877716},{"word":"months","start":2003.99,"end":2004.47,"confidence":0.99902344,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.07308602333068848},{"word":"i","start":2004.47,"end":2004.5499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03267978876829147},{"word":"mean","start":2004.5499,"end":2004.7899,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.07591496407985687},{"word":"we've","start":2004.7899,"end":2005.0299,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.05316277593374252},{"word":"had","start":2005.0299,"end":2005.19,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.009451255202293396},{"word":"a","start":2005.19,"end":2005.2699,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013612017035484314},{"word":"bit","start":2005.2699,"end":2005.4299,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.015139512717723846},{"word":"of","start":2005.4299,"end":2005.9299,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03895798325538635},{"word":"a","start":2006.47,"end":2006.63,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07418759167194366},{"word":"fluctuation","start":2006.63,"end":2007.13,"confidence":0.9165039,"punctuated_word":"fluctuation","sentiment":"neutral","sentiment_score":-0.0807284265756607},{"word":"in","start":2007.2699,"end":2007.35,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09167282283306122},{"word":"the","start":2007.35,"end":2007.5099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03809678554534912},{"word":"last","start":2007.5099,"end":2007.75,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.014492958784103394},{"word":"couple","start":2007.75,"end":2007.99,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.04954080656170845},{"word":"of","start":2007.99,"end":2008.1499,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.052563685923814774},{"word":"weeks","start":2008.1499,"end":2008.63,"confidence":0.80249023,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.039211682975292206},{"word":"but","start":2008.63,"end":2009.13,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.017478637397289276},{"word":"over","start":2010.245,"end":2010.565,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08871228247880936},{"word":"the","start":2010.565,"end":2010.6449,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09792931377887726},{"word":"long","start":2010.6449,"end":2010.8849,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11646658927202223},{"word":"term","start":2010.8849,"end":2011.3849,"confidence":0.99853516,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.14939431846141815},{"word":"they","start":2011.845,"end":2012.085,"confidence":0.97314453,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1648438274860382},{"word":"the","start":2012.245,"end":2012.485,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34447163343429565},{"word":"australian","start":2012.485,"end":2012.8049,"confidence":0.9658203,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.46610480546951294},{"word":"share","start":2012.8049,"end":2012.965,"confidence":0.95703125,"punctuated_word":"share","sentiment":"positive","sentiment_score":0.45008718967437744},{"word":"market's","start":2012.965,"end":2013.365,"confidence":0.85961914,"punctuated_word":"market's","sentiment":"positive","sentiment_score":0.3948936462402344},{"word":"done","start":2013.365,"end":2013.605,"confidence":0.9970703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2836361527442932},{"word":"pretty","start":2013.605,"end":2013.845,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.39501503109931946},{"word":"well","start":2013.845,"end":2014.345,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.21049019694328308},{"word":"the","start":2014.6449,"end":2015.1449,"confidence":0.99316406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04962778836488724},{"word":"the","start":2015.605,"end":2015.7649,"confidence":0.86865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14085477590560913},{"word":"reason","start":2015.7649,"end":2016.245,"confidence":0.8125,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.18470948934555056},{"word":"for","start":2016.245,"end":2016.485,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.18581004440784457},{"word":"benelong's","start":2016.485,"end":2016.985,"confidence":0.6800537,"punctuated_word":"Benelong's","sentiment":"neutral","sentiment_score":-0.2934081256389618},{"word":"underperformance","start":2017.445,"end":2017.945,"confidence":0.9387207,"punctuated_word":"underperformance","sentiment":"neutral","sentiment_score":-0.28872138261795044},{"word":"is","start":2019.445,"end":2019.605,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2013462781906128},{"word":"that","start":2019.605,"end":2019.845,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20754513144493103},{"word":"their","start":2019.845,"end":2020.085,"confidence":0.9970703,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.2677191197872162},{"word":"mandate","start":2020.085,"end":2020.585,"confidence":1.0,"punctuated_word":"mandate","sentiment":"neutral","sentiment_score":-0.25865066051483154},{"word":"is","start":2020.8049,"end":2021.3049,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.22292837500572205},{"word":"that","start":2021.88,"end":2022.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24936974048614505},{"word":"they","start":2022.76,"end":2023.26,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2114248275756836},{"word":"identify","start":2024.04,"end":2024.54,"confidence":0.7553711,"punctuated_word":"identify","sentiment":"neutral","sentiment_score":-0.2272343933582306},{"word":"undervalued","start":2025.4,"end":2025.9,"confidence":0.99902344,"punctuated_word":"undervalued","sentiment":"neutral","sentiment_score":-0.2518135905265808},{"word":"companies","start":2026.2001,"end":2026.7001,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.2802838087081909},{"word":"in","start":2026.76,"end":2027.0,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21475017070770264},{"word":"the","start":2027.0,"end":2027.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21781104803085327},{"word":"australian","start":2027.16,"end":2027.64,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.25277990102767944},{"word":"share","start":2027.64,"end":2027.88,"confidence":0.9970703,"punctuated_word":"share","sentiment":"neutral","sentiment_score":-0.2104652374982834},{"word":"market","start":2027.88,"end":2028.38,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.12266139686107635},{"word":"for","start":2028.52,"end":2028.76,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2041285336017609},{"word":"potential","start":2028.76,"end":2029.26,"confidence":1.0,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":-0.17509150505065918},{"word":"growth","start":2029.3201,"end":2029.8201,"confidence":1.0,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":-0.2137514054775238},{"word":"so","start":2030.04,"end":2030.2001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08797025680541992},{"word":"in","start":2030.2001,"end":2030.36,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07764804363250732},{"word":"the","start":2030.36,"end":2030.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08556322753429413},{"word":"last","start":2030.52,"end":2030.76,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.08071204274892807},{"word":"twelve","start":2030.76,"end":2031.16,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.1307905614376068},{"word":"months","start":2031.16,"end":2031.66,"confidence":0.9980469,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.08027547597885132},{"word":"it's","start":2032.4401,"end":2032.76,"confidence":0.9812012,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11560998857021332},{"word":"typically","start":2032.76,"end":2033.24,"confidence":0.99902344,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":-0.09266949445009232},{"word":"been","start":2033.24,"end":2033.48,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.12635044753551483},{"word":"the","start":2033.48,"end":2033.64,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.131585955619812},{"word":"banks","start":2033.64,"end":2034.12,"confidence":0.99902344,"punctuated_word":"banks","sentiment":"neutral","sentiment_score":-0.12769626080989838},{"word":"and","start":2034.12,"end":2034.28,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1290862262248993},{"word":"the","start":2034.28,"end":2034.52,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1421928107738495},{"word":"resources","start":2034.52,"end":2035.02,"confidence":1.0,"punctuated_word":"resources","sentiment":"neutral","sentiment_score":-0.14329424500465393},{"word":"that","start":2035.48,"end":2035.8,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06298477202653885},{"word":"have","start":2035.8,"end":2036.2001,"confidence":0.9589844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02417406439781189},{"word":"performed","start":2036.2001,"end":2036.7001,"confidence":1.0,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.007137924432754517},{"word":"well","start":2036.84,"end":2037.34,"confidence":0.98291016,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.011774759739637377},{"word":"which","start":2038.275,"end":2038.435,"confidence":0.9741211,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.08893825858831406},{"word":"are","start":2038.435,"end":2038.5951,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.055810242891311646},{"word":"obviously","start":2038.5951,"end":2039.0951,"confidence":0.9667969,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.08554668724536896},{"word":"highly","start":2039.3151,"end":2039.795,"confidence":0.9980469,"punctuated_word":"highly","sentiment":"neutral","sentiment_score":-0.02566222846508026},{"word":"valued","start":2039.795,"end":2040.295,"confidence":0.9838867,"punctuated_word":"valued.","sentiment":"neutral","sentiment_score":-0.14125807583332062},{"word":"so","start":2040.675,"end":2040.995,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11838681995868684},{"word":"then","start":2040.995,"end":2041.2351,"confidence":0.6015625,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07824873924255371},{"word":"along","start":2041.2351,"end":2041.7351,"confidence":0.97802734,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.12975147366523743},{"word":"their","start":2042.275,"end":2042.515,"confidence":0.42236328,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.18255451321601868},{"word":"investment","start":2042.515,"end":2043.015,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.2266632318496704},{"word":"mandate","start":2043.0751,"end":2043.5751,"confidence":1.0,"punctuated_word":"mandate","sentiment":"neutral","sentiment_score":-0.10372863709926604},{"word":"just","start":2043.635,"end":2043.875,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15815341472625732},{"word":"hasn't","start":2043.875,"end":2044.375,"confidence":0.9798177,"punctuated_word":"hasn't,","sentiment":"neutral","sentiment_score":-0.14383868873119354},{"word":"you","start":2044.8351,"end":2044.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.199368417263031},{"word":"know","start":2044.995,"end":2045.495,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.16722837090492249},{"word":"hit","start":2046.8351,"end":2047.2351,"confidence":0.99902344,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.02047896385192871},{"word":"hit","start":2047.2351,"end":2047.555,"confidence":0.9873047,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.0377330482006073},{"word":"the","start":2047.555,"end":2047.7151,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2088855803012848},{"word":"mark","start":2047.7151,"end":2048.215,"confidence":1.0,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":-0.13333660364151},{"word":"for","start":2048.595,"end":2048.835,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.217407688498497},{"word":"them","start":2048.835,"end":2049.335,"confidence":0.9941406,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.22092919051647184},{"word":"so","start":2049.475,"end":2049.715,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05889836698770523},{"word":"what","start":2049.715,"end":2049.955,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.008666999638080597},{"word":"we're","start":2049.955,"end":2050.195,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.00981513410806656},{"word":"doing","start":2050.195,"end":2050.695,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.028717242181301117},{"word":"is","start":2051.075,"end":2051.46,"confidence":0.9316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0455591157078743},{"word":"as","start":2051.6199,"end":2051.8599,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02571527659893036},{"word":"a","start":2051.8599,"end":2051.94,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07615122944116592},{"word":"company","start":2051.94,"end":2052.42,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.01900140196084976},{"word":"and","start":2052.42,"end":2052.66,"confidence":0.83251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.039887577295303345},{"word":"and","start":2052.66,"end":2052.98,"confidence":0.3293457,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.041953179985284805},{"word":"in","start":2052.98,"end":2053.14,"confidence":0.6152344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05607694387435913},{"word":"our","start":2053.14,"end":2053.38,"confidence":0.83447266,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.025263957679271695},{"word":"investment","start":2053.38,"end":2053.78,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.007133565843105316},{"word":"committee","start":2053.78,"end":2054.18,"confidence":0.99609375,"punctuated_word":"committee,","sentiment":"neutral","sentiment_score":0.017799176275730133},{"word":"we're","start":2054.18,"end":2054.42,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.045733463019132614},{"word":"looking","start":2054.42,"end":2054.74,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03330583870410919},{"word":"at","start":2054.74,"end":2054.98,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.012426719069480896},{"word":"replacing","start":2054.98,"end":2055.48,"confidence":1.0,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.023607872426509857},{"word":"ben","start":2055.54,"end":2055.78,"confidence":0.45458984,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":0.003469899296760559},{"word":"along","start":2055.78,"end":2056.0999,"confidence":0.8701172,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.03911106288433075},{"word":"with","start":2056.0999,"end":2056.58,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00548572838306427},{"word":"alternative","start":2056.58,"end":2057.08,"confidence":0.9448242,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.022138983011245728},{"word":"suit","start":2057.3,"end":2057.8,"confidence":0.91015625,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.061698708683252335},{"word":"suitable","start":2058.74,"end":2059.24,"confidence":1.0,"punctuated_word":"suitable","sentiment":"neutral","sentiment_score":0.059838518500328064},{"word":"alternative","start":2059.3,"end":2059.8,"confidence":0.6713867,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.04514576494693756},{"word":"if","start":2061.14,"end":2061.38,"confidence":0.84765625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10902020335197447},{"word":"clients","start":2061.38,"end":2061.8599,"confidence":0.99902344,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.06438593566417694},{"word":"are","start":2061.8599,"end":2062.02,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10414846241474152},{"word":"happy","start":2062.02,"end":2062.3398,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10188181698322296},{"word":"for","start":2062.3398,"end":2062.5,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11471419036388396},{"word":"us","start":2062.5,"end":2062.74,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.044919781386852264},{"word":"to","start":2062.74,"end":2062.9,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07364903390407562},{"word":"look","start":2062.9,"end":2063.06,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04043787717819214},{"word":"at","start":2063.06,"end":2063.22,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.057303331792354584},{"word":"that","start":2063.22,"end":2063.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02798113226890564},{"word":"for","start":2063.475,"end":2063.975,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01609361171722412},{"word":"them","start":2067.835,"end":2068.335,"confidence":0.94628906,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.006165599450469017},{"word":"well","start":2072.195,"end":2072.435,"confidence":0.9301758,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.04269751161336899},{"word":"we're","start":2072.435,"end":2072.5952,"confidence":0.9921875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06625226885080338},{"word":"just","start":2072.5952,"end":2072.7551,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05376746132969856},{"word":"yeah","start":2073.635,"end":2073.955,"confidence":0.9916992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06200438737869263},{"word":"no","start":2073.955,"end":2074.195,"confidence":0.98291016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.048899658024311066},{"word":"we're","start":2074.195,"end":2074.435,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1614120602607727},{"word":"here","start":2074.435,"end":2074.7551,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1716923713684082},{"word":"to","start":2074.7551,"end":2075.155,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18666812777519223},{"word":"partner","start":2075.155,"end":2075.5552,"confidence":0.9980469,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.24354684352874756},{"word":"with","start":2075.5552,"end":2075.7952,"confidence":0.9970703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3360532820224762},{"word":"you","start":2075.7952,"end":2076.0352,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29018619656562805},{"word":"and","start":2076.0352,"end":2076.5352,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25628939270973206},{"word":"just","start":2076.5952,"end":2077.0752,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24736690521240232},{"word":"educate","start":2077.0752,"end":2077.355,"confidence":0.9980469,"punctuated_word":"educate.","sentiment":"neutral","sentiment_score":0.182769238948822},{"word":"i","start":2077.355,"end":2077.635,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19993945956230164},{"word":"think","start":2077.635,"end":2077.875,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2587469220161438},{"word":"education","start":2077.875,"end":2078.375,"confidence":0.99121094,"punctuated_word":"education","sentiment":"positive","sentiment_score":0.371069610118866},{"word":"is","start":2078.5952,"end":2078.675,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27710679173469543},{"word":"the","start":2078.675,"end":2078.94,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27771955728530884},{"word":"most","start":2079.02,"end":2079.26,"confidence":0.9980469,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.24856650829315183},{"word":"important","start":2079.26,"end":2079.76,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.24571096897125244},{"word":"thing","start":2080.3398,"end":2080.8398,"confidence":0.9980469,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.3215858042240143},{"word":"we","start":2081.42,"end":2081.66,"confidence":0.7758789,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2882176339626312},{"word":"definitely","start":2081.66,"end":2082.16,"confidence":0.9941406,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3365708291530609},{"word":"are","start":2082.22,"end":2082.38,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.30675268173217773},{"word":"here","start":2082.38,"end":2082.6199,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.31867530941963196},{"word":"in","start":2082.6199,"end":2082.78,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3283309042453766},{"word":"the","start":2082.78,"end":2082.8599,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3240519165992737},{"word":"background","start":2082.8599,"end":2083.3398,"confidence":1.0,"punctuated_word":"background","sentiment":"positive","sentiment_score":0.3450613021850586},{"word":"to","start":2083.3398,"end":2083.42,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2889496386051178},{"word":"make","start":2083.42,"end":2083.5798,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24942879378795624},{"word":"sure","start":2083.5798,"end":2083.8198,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23976941406726837},{"word":"the","start":2083.8198,"end":2083.98,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27515190839767456},{"word":"portfolios","start":2083.98,"end":2084.48,"confidence":0.81591797,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.19477461278438568},{"word":"are","start":2084.78,"end":2084.94,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2755267322063446},{"word":"structured","start":2084.94,"end":2085.44,"confidence":1.0,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":0.3007467985153198},{"word":"the","start":2085.5,"end":2085.74,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3505800664424896},{"word":"way","start":2085.74,"end":2085.98,"confidence":0.9980469,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3707161843776703},{"word":"that","start":2085.98,"end":2086.46,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30134275555610657},{"word":"they","start":2086.46,"end":2086.7,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2622872591018677},{"word":"should","start":2086.7,"end":2087.02,"confidence":0.99609375,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2779170274734497},{"word":"be","start":2087.02,"end":2087.52,"confidence":0.7746582,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.2574959099292755},{"word":"but","start":2088.3,"end":2088.46,"confidence":0.96240234,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2556818127632141},{"word":"i","start":2088.46,"end":2088.6199,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30265292525291443},{"word":"also","start":2088.6199,"end":2088.94,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2825949192047119},{"word":"like","start":2088.94,"end":2089.18,"confidence":0.9951172,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3471778333187103},{"word":"to","start":2089.18,"end":2089.3398,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3317626714706421},{"word":"educate","start":2089.3398,"end":2089.74,"confidence":0.9980469,"punctuated_word":"educate","sentiment":"neutral","sentiment_score":0.30059924721717834},{"word":"clients","start":2089.74,"end":2090.22,"confidence":0.984375,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.2770220935344696},{"word":"along","start":2090.22,"end":2090.46,"confidence":0.9970703,"punctuated_word":"along","sentiment":"positive","sentiment_score":0.34089842438697815},{"word":"the","start":2090.46,"end":2090.6199,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3875624835491181},{"word":"way","start":2090.6199,"end":2090.8599,"confidence":0.9921875,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.39145758748054504},{"word":"as","start":2090.8599,"end":2091.0999,"confidence":0.9580078,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3634477853775024},{"word":"to","start":2091.0999,"end":2091.26,"confidence":0.9394531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3318411409854889},{"word":"why","start":2091.26,"end":2091.5,"confidence":0.9790039,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.23926028609275815},{"word":"we're","start":2091.5,"end":2091.975,"confidence":0.96313477,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3508530259132385},{"word":"thinking","start":2091.975,"end":2092.375,"confidence":0.96875,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.3124159276485443},{"word":"certain","start":2092.375,"end":2092.875,"confidence":0.9980469,"punctuated_word":"certain","sentiment":"positive","sentiment_score":0.4300333261489868},{"word":"things","start":2093.415,"end":2093.915,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.4791987538337707},{"word":"because","start":2094.855,"end":2095.0151,"confidence":0.55078125,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3992297351360321},{"word":"it","start":2095.0151,"end":2095.175,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.49150803685188293},{"word":"does","start":2095.175,"end":2095.495,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4928398132324219},{"word":"provide","start":2095.495,"end":2095.975,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4384758472442627},{"word":"a","start":2095.975,"end":2096.135,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4104343056678772},{"word":"level","start":2096.135,"end":2096.5352,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.3524043560028076},{"word":"of","start":2096.5352,"end":2096.7751,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3817981779575348},{"word":"comfort","start":2096.7751,"end":2097.2551,"confidence":1.0,"punctuated_word":"comfort","sentiment":"positive","sentiment_score":0.3654099404811859},{"word":"and","start":2097.2551,"end":2097.5752,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3497540354728699},{"word":"understanding","start":2097.5752,"end":2098.0752,"confidence":1.0,"punctuated_word":"understanding.","sentiment":"neutral","sentiment_score":0.2902054488658905},{"word":"yep","start":2100.215,"end":2100.715,"confidence":0.8461914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13292834162712097},{"word":"the","start":2101.8152,"end":2102.0552,"confidence":0.94189453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10699394345283508},{"word":"other","start":2102.0552,"end":2102.2952,"confidence":0.9941406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10356302559375764},{"word":"there's","start":2102.695,"end":2103.0151,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11001994460821152},{"word":"two","start":2103.0151,"end":2103.2551,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08959784358739853},{"word":"other","start":2103.2551,"end":2103.495,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09652194380760191},{"word":"funds","start":2103.495,"end":2103.8152,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.11736053228378296},{"word":"in","start":2103.8152,"end":2104.2952,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10233485698699953},{"word":"this","start":2104.2952,"end":2104.615,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14655043184757233},{"word":"portfolio","start":2104.615,"end":2105.115,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11239279806613922},{"word":"that","start":2105.175,"end":2105.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12173528224229813},{"word":"i","start":2105.415,"end":2105.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09649819135665894},{"word":"wanna","start":2105.495,"end":2105.8152,"confidence":0.9560547,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12144941091537476},{"word":"just","start":2105.8152,"end":2106.0552,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09783389419317244},{"word":"touch","start":2106.0552,"end":2106.2952,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.11029129475355148},{"word":"on","start":2106.2952,"end":2106.455,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11276277154684068},{"word":"briefly","start":2106.455,"end":2106.955,"confidence":1.0,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":0.08395964652299881},{"word":"as","start":2107.0151,"end":2107.175,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12044376134872437},{"word":"well","start":2107.175,"end":2107.675,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08198393881320953},{"word":"the","start":2108.06,"end":2108.56,"confidence":0.99609375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08192488551139832},{"word":"the","start":2108.6199,"end":2108.7,"confidence":0.5336914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09616632759571075},{"word":"second","start":2108.7,"end":2108.94,"confidence":0.9980469,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.10273271799087524},{"word":"one","start":2108.94,"end":2109.18,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07036139070987701},{"word":"is","start":2109.18,"end":2109.5,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07950234413146973},{"word":"the","start":2109.5,"end":2109.9,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1002480536699295},{"word":"beta","start":2109.9,"end":2110.3,"confidence":0.42700195,"punctuated_word":"Beta","sentiment":"neutral","sentiment_score":0.08628267049789429},{"word":"bank","start":2110.3,"end":2110.8,"confidence":0.67529297,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":0.0836796686053276},{"word":"hybrid","start":2110.94,"end":2111.34,"confidence":0.73779297,"punctuated_word":"hybrid","sentiment":"neutral","sentiment_score":0.08435932546854019},{"word":"fund","start":2111.34,"end":2111.66,"confidence":0.9824219,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.08507296442985535},{"word":"that's","start":2111.66,"end":2111.98,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.079083651304245},{"word":"the","start":2111.98,"end":2112.06,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07319287210702896},{"word":"second","start":2112.06,"end":2112.46,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.08076924085617065},{"word":"one","start":2112.46,"end":2112.6199,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07605434954166412},{"word":"down","start":2112.6199,"end":2113.1199,"confidence":0.99902344,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.06272948533296585},{"word":"nothing","start":2113.98,"end":2114.3,"confidence":0.99902344,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":0.08799874037504196},{"word":"wrong","start":2114.3,"end":2114.54,"confidence":0.99902344,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.034246377646923065},{"word":"with","start":2114.54,"end":2114.78,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03753778338432312},{"word":"that","start":2114.78,"end":2115.02,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026275642216205597},{"word":"fund","start":2115.02,"end":2115.5,"confidence":0.9326172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.01862209290266037},{"word":"at","start":2115.5,"end":2115.66,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.029773078858852383},{"word":"all","start":2115.66,"end":2116.16,"confidence":0.8811035,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.05024866387248039},{"word":"but","start":2116.94,"end":2117.18,"confidence":0.7529297,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.002257853746414185},{"word":"the","start":2117.18,"end":2117.42,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.038168348371982574},{"word":"australian","start":2117.42,"end":2117.92,"confidence":0.99121094,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.04445275664329529},{"word":"banking","start":2118.06,"end":2118.46,"confidence":0.99121094,"punctuated_word":"banking","sentiment":"neutral","sentiment_score":-0.07024386525154114},{"word":"system","start":2118.46,"end":2118.94,"confidence":0.99902344,"punctuated_word":"system","sentiment":"neutral","sentiment_score":-0.11512313783168791},{"word":"is","start":2118.94,"end":2119.18,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06190018355846405},{"word":"phasing","start":2119.18,"end":2119.66,"confidence":0.9980469,"punctuated_word":"phasing","sentiment":"neutral","sentiment_score":-0.05266588181257248},{"word":"out","start":2119.66,"end":2120.14,"confidence":0.95410156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.033126212656497955},{"word":"the","start":2120.14,"end":2120.54,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02369500696659088},{"word":"hybrid","start":2120.54,"end":2121.04,"confidence":0.9921875,"punctuated_word":"hybrid","sentiment":"neutral","sentiment_score":0.001503974199295044},{"word":"options","start":2121.4148,"end":2121.815,"confidence":0.7709961,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.008120514452457428},{"word":"from","start":2121.815,"end":2122.1348,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02895030379295349},{"word":"january","start":2122.1348,"end":2122.9849,"confidence":0.99902344,"punctuated_word":"January","sentiment":"neutral","sentiment_score":-0.005127452313899994},{"word":"2027","start":2122.9849,"end":2123.835,"confidence":0.99902344,"punctuated_word":"2027.","sentiment":"neutral","sentiment_score":0.01601449027657509},{"word":"what","start":2124.775,"end":2125.015,"confidence":0.7734375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.035847216844558716},{"word":"i've","start":2125.015,"end":2125.255,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.019854752346873283},{"word":"been","start":2125.255,"end":2125.575,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.019939184188842773},{"word":"doing","start":2125.575,"end":2125.9749,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.056818537414073944},{"word":"with","start":2125.9749,"end":2126.4749,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04903290793299675},{"word":"the","start":2126.855,"end":2127.095,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03660295903682709},{"word":"clients","start":2127.095,"end":2127.4949,"confidence":0.984375,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.005515016615390778},{"word":"i'm","start":2127.4949,"end":2127.7349,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06625083088874817},{"word":"working","start":2127.7349,"end":2128.055,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.07590420544147491},{"word":"with","start":2128.055,"end":2128.555,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07669006288051605},{"word":"is","start":2128.615,"end":2129.115,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06934532523155212},{"word":"proactively","start":2130.1348,"end":2130.6348,"confidence":0.9975586,"punctuated_word":"proactively","sentiment":"neutral","sentiment_score":0.10533570498228072},{"word":"reviewing","start":2130.9348,"end":2131.4148,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.06323109567165375},{"word":"these","start":2131.4148,"end":2131.9148,"confidence":0.9975586,"punctuated_word":"these.","sentiment":"neutral","sentiment_score":0.015286363661289217},{"word":"i","start":2132.295,"end":2132.615,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.049135416746139526},{"word":"don't","start":2132.615,"end":2132.9348,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05340229719877243},{"word":"have","start":2132.9348,"end":2133.095,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06634842604398727},{"word":"a","start":2133.095,"end":2133.255,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11012911051511765},{"word":"crystal","start":2133.255,"end":2133.6548,"confidence":1.0,"punctuated_word":"crystal","sentiment":"neutral","sentiment_score":-0.154171884059906},{"word":"ball","start":2133.6548,"end":2133.815,"confidence":0.94799805,"punctuated_word":"ball,","sentiment":"neutral","sentiment_score":-0.11119016259908676},{"word":"and","start":2133.815,"end":2133.8948,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1040332019329071},{"word":"i","start":2133.8948,"end":2133.9749,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10547897219657898},{"word":"don't","start":2133.9749,"end":2134.2148,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0955444797873497},{"word":"know","start":2134.2148,"end":2134.375,"confidence":0.9951172,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.15447235107421875},{"word":"what's","start":2134.375,"end":2134.615,"confidence":0.9941406,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.12203431129455566},{"word":"gonna","start":2134.615,"end":2134.8,"confidence":0.87353516,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.12811927497386932},{"word":"happen","start":2134.96,"end":2135.12,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.20158450305461884},{"word":"to","start":2135.12,"end":2135.28,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14860686659812927},{"word":"these","start":2135.28,"end":2135.76,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.10563334822654724},{"word":"hybrids","start":2135.76,"end":2136.26,"confidence":0.9970703,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.04225107654929161},{"word":"or","start":2136.6401,"end":2136.8801,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04265911877155304},{"word":"how","start":2136.8801,"end":2136.96,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.05818840488791466},{"word":"they're","start":2136.96,"end":2137.2,"confidence":0.99609375,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.021648159250617027},{"word":"gonna","start":2137.2,"end":2137.44,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03161628171801567},{"word":"be","start":2137.44,"end":2137.68,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04312083125114441},{"word":"valued","start":2137.68,"end":2138.18,"confidence":1.0,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":-0.00904390960931778},{"word":"come","start":2139.76,"end":2140.08,"confidence":0.68847656,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.04337237775325775},{"word":"january","start":2140.08,"end":2140.48,"confidence":1.0,"punctuated_word":"January","sentiment":"neutral","sentiment_score":-0.009929951280355452},{"word":"20","start":2140.48,"end":2140.88,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.0060471054166555405},{"word":"'27","start":2140.8801,"end":2141.6,"confidence":0.9569092,"punctuated_word":"'27.","sentiment":"neutral","sentiment_score":-0.005382783245295286},{"word":"so","start":2141.6,"end":2141.76,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011314913630485536},{"word":"what","start":2141.76,"end":2142.0,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011496536433696749},{"word":"i'm","start":2142.0,"end":2142.24,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.041058510541915894},{"word":"doing","start":2142.24,"end":2142.48,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.07098282873630524},{"word":"is","start":2142.48,"end":2142.72,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06131784990429878},{"word":"i'm","start":2142.72,"end":2142.8801,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07922570407390594},{"word":"working","start":2142.8801,"end":2143.28,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.10510782897472382},{"word":"with","start":2143.28,"end":2143.6,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1096903309226036},{"word":"clients","start":2143.6,"end":2144.08,"confidence":1.0,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.04723682999610901},{"word":"to","start":2144.08,"end":2144.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0827370136976242},{"word":"look","start":2144.24,"end":2144.48,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04652426391839981},{"word":"at","start":2144.48,"end":2144.6401,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03150266408920288},{"word":"reviewing","start":2144.6401,"end":2145.12,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.04128409177064896},{"word":"for","start":2145.12,"end":2145.36,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.017494946718215942},{"word":"alternative","start":2145.36,"end":2145.86,"confidence":1.0,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.017175734043121338},{"word":"options","start":2146.0,"end":2146.5,"confidence":0.7258301,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.025598788633942604},{"word":"getting","start":2148.48,"end":2148.8,"confidence":0.74560547,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.06921660900115967},{"word":"a","start":2148.8,"end":2148.8801,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07548321783542633},{"word":"little","start":2148.8801,"end":2149.12,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0516485795378685},{"word":"bit","start":2149.12,"end":2149.28,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05645503103733063},{"word":"more","start":2149.28,"end":2149.44,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.052382245659828186},{"word":"proactive","start":2149.44,"end":2149.94,"confidence":1.0,"punctuated_word":"proactive","sentiment":"neutral","sentiment_score":0.1166474223136902},{"word":"in","start":2150.0,"end":2150.1602,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13729484379291534},{"word":"that","start":2150.1602,"end":2150.32,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07904719561338425},{"word":"approach","start":2150.32,"end":2150.775,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.03019489347934723},{"word":"because","start":2151.335,"end":2151.6548,"confidence":0.99316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.008054696023464203},{"word":"i","start":2151.6548,"end":2151.815,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0064401775598526},{"word":"just","start":2151.815,"end":2151.9749,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.006096683442592621},{"word":"don't","start":2151.9749,"end":2152.2148,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.046413831412792206},{"word":"know","start":2152.2148,"end":2152.375,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.14128802716732025},{"word":"what's","start":2152.375,"end":2152.615,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.1291574984788895},{"word":"gonna","start":2152.615,"end":2152.9348,"confidence":0.9428711,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.11635688692331314},{"word":"happen","start":2152.9348,"end":2153.335,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.19871678948402405},{"word":"there","start":2153.335,"end":2153.835,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.05249035730957985},{"word":"yep","start":2155.575,"end":2156.075,"confidence":0.89575195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1547524631023407},{"word":"and","start":2156.4548,"end":2156.775,"confidence":0.97998047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2357497215270996},{"word":"then","start":2156.775,"end":2157.275,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3218343257904053},{"word":"thank","start":2158.375,"end":2158.775,"confidence":0.9970703,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.537789523601532},{"word":"you","start":2158.775,"end":2159.015,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13234730064868927},{"word":"and","start":2159.015,"end":2159.1748,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0018639164045453072},{"word":"then","start":2159.1748,"end":2159.4148,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0003210017457604408},{"word":"the","start":2159.4148,"end":2159.4949,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0034168949350714684},{"word":"bottom","start":2159.4949,"end":2159.815,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":-0.0025043953210115433},{"word":"one","start":2159.815,"end":2159.9749,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.008859967812895775},{"word":"is","start":2159.9749,"end":2160.135,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.009909680113196371},{"word":"the","start":2160.135,"end":2160.295,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006144614890217781},{"word":"vanek","start":2160.295,"end":2160.775,"confidence":0.21478271,"punctuated_word":"Vanek","sentiment":"neutral","sentiment_score":-0.005964477546513081},{"word":"vanek","start":2160.775,"end":2161.275,"confidence":0.7260742,"punctuated_word":"Vanek","sentiment":"neutral","sentiment_score":-0.004103836603462696},{"word":"property","start":2161.4949,"end":2161.9949,"confidence":0.62646484,"punctuated_word":"Property","sentiment":"neutral","sentiment_score":-0.0030087167397141457},{"word":"ats","start":2162.135,"end":2162.635,"confidence":0.7249756,"punctuated_word":"ATS","sentiment":"neutral","sentiment_score":-0.002886037575080991},{"word":"fund","start":2162.6948,"end":2163.1948,"confidence":0.69262695,"punctuated_word":"Fund.","sentiment":"neutral","sentiment_score":-0.015642382204532623},{"word":"underperformance","start":2164.44,"end":2164.94,"confidence":0.86328125,"punctuated_word":"Underperformance","sentiment":"neutral","sentiment_score":-0.1880781054496765},{"word":"in","start":2165.32,"end":2165.56,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20703476667404175},{"word":"the","start":2165.56,"end":2165.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19651268422603607},{"word":"last","start":2165.72,"end":2166.22,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.1631944179534912},{"word":"short","start":2166.92,"end":2167.16,"confidence":0.95166016,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.2848934829235077},{"word":"term","start":2167.16,"end":2167.66,"confidence":0.84228516,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.26368480920791626},{"word":"but","start":2168.04,"end":2168.28,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17218637466430664},{"word":"the","start":2168.28,"end":2168.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22119176387786865},{"word":"property","start":2168.44,"end":2168.92,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.24804627895355225},{"word":"market","start":2168.92,"end":2169.42,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.26400232315063477},{"word":"is","start":2169.48,"end":2169.98,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2475137859582901},{"word":"pretty","start":2171.96,"end":2172.28,"confidence":0.9902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.30814555287361145},{"word":"volatile","start":2172.28,"end":2172.78,"confidence":1.0,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":-0.2878049910068512},{"word":"at","start":2172.84,"end":2172.92,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2853011190891266},{"word":"the","start":2172.92,"end":2173.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2987605631351471},{"word":"moment","start":2173.08,"end":2173.32,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.29089459776878357},{"word":"given","start":2173.32,"end":2173.64,"confidence":0.9326172,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.2671772241592407},{"word":"the","start":2173.64,"end":2173.8,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22362254559993744},{"word":"interest","start":2173.8,"end":2174.2,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.30338054895401},{"word":"rates","start":2174.2,"end":2174.52,"confidence":0.8234863,"punctuated_word":"rates,","sentiment":"neutral","sentiment_score":-0.2202768623828888},{"word":"not","start":2174.52,"end":2174.68,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1522536277770996},{"word":"just","start":2174.68,"end":2175.0,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17435255646705627},{"word":"in","start":2175.0,"end":2175.32,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19541920721530912},{"word":"australia","start":2175.32,"end":2175.82,"confidence":0.8803711,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":-0.20847846567630768},{"word":"but","start":2176.44,"end":2176.94,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1839300841093063},{"word":"america","start":2177.4,"end":2177.9,"confidence":0.9172363,"punctuated_word":"America,","sentiment":"neutral","sentiment_score":-0.1750136911869049},{"word":"the","start":2179.395,"end":2179.635,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019492175430059433},{"word":"the","start":2179.635,"end":2179.955,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04111989587545395},{"word":"world","start":2179.955,"end":2180.355,"confidence":0.8498535,"punctuated_word":"world.","sentiment":"neutral","sentiment_score":-0.04418659955263138},{"word":"but","start":2180.355,"end":2180.855,"confidence":0.96435547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0411754846572876},{"word":"yeah","start":2181.635,"end":2182.135,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06654097884893417},{"word":"there","start":2186.355,"end":2186.675,"confidence":0.99609375,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.07571645081043243},{"word":"is","start":2186.675,"end":2187.155,"confidence":0.98657227,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.06651940941810608},{"word":"there","start":2187.155,"end":2187.395,"confidence":0.99902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.04837574064731598},{"word":"is","start":2187.395,"end":2187.895,"confidence":0.9995117,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.04292535781860352},{"word":"so","start":2187.955,"end":2188.195,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015158779919147491},{"word":"that's","start":2188.195,"end":2188.435,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.019133994355797768},{"word":"another","start":2188.435,"end":2188.835,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.0116492360830307},{"word":"fund","start":2188.835,"end":2189.075,"confidence":0.96875,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.014281973242759705},{"word":"that","start":2189.075,"end":2189.235,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.005226708948612213},{"word":"i'd","start":2189.235,"end":2189.475,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.013971242122352123},{"word":"probably","start":2189.475,"end":2189.875,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.028332654386758804},{"word":"like","start":2189.875,"end":2190.115,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03883509337902069},{"word":"to","start":2190.115,"end":2190.2751,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03507326543331146},{"word":"just","start":2190.2751,"end":2190.435,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.036404047161340714},{"word":"look","start":2190.435,"end":2190.675,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02580832876265049},{"word":"at","start":2190.675,"end":2190.835,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03669552505016327},{"word":"reviewing","start":2190.835,"end":2191.235,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.031436942517757416},{"word":"to","start":2191.235,"end":2191.395,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033322256058454514},{"word":"see","start":2191.395,"end":2191.475,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.027577413246035576},{"word":"if","start":2191.475,"end":2191.635,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02962272986769676},{"word":"there's","start":2191.635,"end":2191.875,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.02118469588458538},{"word":"any","start":2191.875,"end":2192.115,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.030865563079714775},{"word":"other","start":2192.115,"end":2192.435,"confidence":0.92333984,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0008049644529819489},{"word":"other","start":2192.435,"end":2192.835,"confidence":0.9863281,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.003201983869075775},{"word":"alternatives","start":2192.835,"end":2193.335,"confidence":0.9892578,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":0.006995042786002159},{"word":"there","start":2193.635,"end":2194.135,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0032488591969013214},{"word":"so","start":2194.41,"end":2194.73,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05797742307186127},{"word":"if","start":2194.73,"end":2195.0498,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07647781819105148},{"word":"you're","start":2195.0498,"end":2195.45,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08885513246059418},{"word":"happy","start":2195.45,"end":2195.8499,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.14379112422466278},{"word":"for","start":2195.8499,"end":2196.01,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2085077315568924},{"word":"me","start":2196.01,"end":2196.17,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1448078751564026},{"word":"to","start":2196.17,"end":2196.3298,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13956183195114136},{"word":"do","start":2196.3298,"end":2196.49,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1291068196296692},{"word":"that","start":2196.49,"end":2196.73,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09600643813610076},{"word":"i'd","start":2196.73,"end":2196.89,"confidence":1.0,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.10194011777639388},{"word":"like","start":2196.89,"end":2197.13,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07334218919277191},{"word":"to","start":2197.13,"end":2197.29,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07158610224723816},{"word":"review","start":2197.29,"end":2197.69,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05959812551736832},{"word":"those","start":2197.69,"end":2198.0898,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.050799671560525894},{"word":"three","start":2198.0898,"end":2198.41,"confidence":0.5527344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.031134260818362236},{"word":"funds","start":2198.41,"end":2198.91,"confidence":0.99560547,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.013392847031354904},{"word":"is","start":2198.97,"end":2199.13,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0755830705165863},{"word":"that","start":2199.13,"end":2199.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0906677469611168},{"word":"okay","start":2199.29,"end":2199.79,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.066403329372406},{"word":"that's","start":2204.73,"end":2205.13,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6071262359619141},{"word":"perfect","start":2205.13,"end":2205.63,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6316654682159424},{"word":"thank","start":2205.77,"end":2206.0898,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.489021897315979},{"word":"you","start":2206.0898,"end":2206.5898,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.421633243560791},{"word":"but","start":2207.135,"end":2207.375,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0693536177277565},{"word":"overall","start":2207.375,"end":2207.875,"confidence":0.7836914,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":-0.02062384784221649},{"word":"the","start":2208.175,"end":2208.415,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016278021037578583},{"word":"portfolio","start":2208.415,"end":2208.915,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.06402883678674698},{"word":"still","start":2209.2148,"end":2209.535,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.08150622248649597},{"word":"didn't","start":2209.535,"end":2209.855,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.04982990771532059},{"word":"do","start":2209.855,"end":2210.095,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07585271447896957},{"word":"too","start":2210.095,"end":2210.335,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.05941127985715866},{"word":"bad","start":2210.335,"end":2210.655,"confidence":0.9260254,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":-0.05785441771149635},{"word":"to","start":2210.655,"end":2210.7349,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.037359245121479034},{"word":"be","start":2210.7349,"end":2210.895,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03353898972272873},{"word":"honest","start":2210.895,"end":2211.2148,"confidence":1.0,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.021153725683689117},{"word":"with","start":2211.2148,"end":2211.375,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.011768095195293428},{"word":"you","start":2211.375,"end":2211.6948,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.016464510932564735},{"word":"over","start":2211.6948,"end":2212.015,"confidence":1.0,"punctuated_word":"Over","sentiment":"neutral","sentiment_score":-0.09817396849393845},{"word":"the","start":2212.015,"end":2212.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0870530903339386},{"word":"last","start":2212.175,"end":2212.4949,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.10615020990371704},{"word":"twelve","start":2212.4949,"end":2212.815,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.10467074811458588},{"word":"months","start":2212.815,"end":2213.135,"confidence":0.9946289,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.03437362238764763},{"word":"it","start":2213.135,"end":2213.295,"confidence":0.9350586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07115259021520615},{"word":"returned","start":2213.295,"end":2213.6948,"confidence":0.9970703,"punctuated_word":"returned","sentiment":"neutral","sentiment_score":-0.025406092405319217},{"word":"a","start":2213.6948,"end":2213.935,"confidence":0.5307617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.050599172711372375},{"word":"6.07%","start":2213.935,"end":2215.775,"confidence":0.99960935,"punctuated_word":"6.07%","sentiment":"neutral","sentiment_score":-0.03692519664764404},{"word":"return","start":2215.775,"end":2216.275,"confidence":0.98999023,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.05516338348388672},{"word":"so","start":2216.815,"end":2217.135,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14235931634902954},{"word":"with","start":2217.135,"end":2217.4548,"confidence":0.90625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17263460159301758},{"word":"bennelong","start":2217.4548,"end":2217.9548,"confidence":0.739624,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.15792247653007507},{"word":"being","start":2218.095,"end":2218.335,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1838752031326294},{"word":"in","start":2218.335,"end":2218.575,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16849187016487122},{"word":"there","start":2218.575,"end":2219.07,"confidence":0.99853516,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.1782618910074234},{"word":"that's","start":2221.23,"end":2221.55,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.3226636052131653},{"word":"actually","start":2221.55,"end":2222.03,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.3221668303012848},{"word":"surprising","start":2222.03,"end":2222.51,"confidence":1.0,"punctuated_word":"surprising","sentiment":"neutral","sentiment_score":-0.2744324803352356},{"word":"to","start":2222.51,"end":2222.6702,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2830592393875122},{"word":"me","start":2222.6702,"end":2223.07,"confidence":0.9597168,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.29031336307525635},{"word":"i've","start":2223.07,"end":2223.31,"confidence":0.9770508,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.30272814631462097},{"word":"seen","start":2223.31,"end":2223.81,"confidence":0.9980469,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.2693980932235718},{"word":"some","start":2224.6702,"end":2224.99,"confidence":0.8935547,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2508265972137451},{"word":"much","start":2224.99,"end":2225.31,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.27848199009895325},{"word":"lower","start":2225.31,"end":2225.81,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.2726079523563385},{"word":"returns","start":2226.03,"end":2226.53,"confidence":0.8010254,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":-0.2508200407028198},{"word":"to","start":2226.6702,"end":2226.83,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.163402259349823},{"word":"be","start":2226.83,"end":2226.99,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13128376007080078},{"word":"completely","start":2226.99,"end":2227.3901,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.11712907254695892},{"word":"honest","start":2227.3901,"end":2227.71,"confidence":1.0,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.09934835135936736},{"word":"with","start":2227.71,"end":2227.87,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0926155373454094},{"word":"you","start":2227.87,"end":2228.37,"confidence":0.98999023,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.13581636548042297},{"word":"so","start":2228.51,"end":2228.75,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0061534494161605835},{"word":"your","start":2228.75,"end":2228.99,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08880719542503357},{"word":"portfolio","start":2228.99,"end":2229.49,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.031812697649002075},{"word":"has","start":2229.6301,"end":2229.79,"confidence":0.88671875,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.040159910917282104},{"word":"done","start":2229.79,"end":2230.29,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.101889967918396},{"word":"it's","start":2230.83,"end":2231.07,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07783805578947067},{"word":"held","start":2231.07,"end":2231.31,"confidence":0.9980469,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.08693966269493103},{"word":"pretty","start":2231.31,"end":2231.6301,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14212405681610107},{"word":"well","start":2231.6301,"end":2231.87,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.046238988637924194},{"word":"in","start":2231.87,"end":2232.03,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005395956337451935},{"word":"the","start":2232.03,"end":2232.1902,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024493008852005005},{"word":"last","start":2232.1902,"end":2232.525,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.00260230153799057},{"word":"twelve","start":2232.845,"end":2233.1648,"confidence":0.8222656,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.01260143518447876},{"word":"months","start":2233.1648,"end":2233.6648,"confidence":0.713501,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.01965929940342903},{"word":"given","start":2233.805,"end":2234.125,"confidence":0.48388672,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.02520440518856049},{"word":"that","start":2234.125,"end":2234.365,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.000609375536441803},{"word":"benelon","start":2234.365,"end":2234.845,"confidence":0.55891925,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.010646972805261612},{"word":"was","start":2234.845,"end":2235.005,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.008588358759880066},{"word":"a","start":2235.005,"end":2235.1648,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007091175764799118},{"word":"significant","start":2235.1648,"end":2235.6648,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":0.0033675730228424072},{"word":"part","start":2235.7249,"end":2235.9648,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.01112743467092514},{"word":"of","start":2235.9648,"end":2236.045,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03832694888114929},{"word":"your","start":2236.045,"end":2236.285,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.052659906446933746},{"word":"portfolio","start":2236.285,"end":2236.785,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.05737745016813278},{"word":"the","start":2240.9248,"end":2241.085,"confidence":0.8520508,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.009406192228198051},{"word":"next","start":2241.085,"end":2241.4048,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.012054357677698135},{"word":"document","start":2241.4048,"end":2241.9048,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.006513701751828194},{"word":"over","start":2242.125,"end":2242.625,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.01518905907869339},{"word":"is","start":2242.6848,"end":2243.1848,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014233749359846117},{"word":"an","start":2244.365,"end":2244.525,"confidence":0.97265625,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.012661390006542206},{"word":"education","start":2244.525,"end":2245.025,"confidence":0.99902344,"punctuated_word":"education","sentiment":"neutral","sentiment_score":0.006060503423213959},{"word":"tool","start":2245.085,"end":2245.325,"confidence":0.99902344,"punctuated_word":"tool","sentiment":"neutral","sentiment_score":0.010570159181952477},{"word":"i'd","start":2245.325,"end":2245.4849,"confidence":0.8039551,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.0007613543421030045},{"word":"just","start":2245.4849,"end":2245.7249,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0005945675075054169},{"word":"like","start":2245.7249,"end":2245.9648,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.009301697835326196},{"word":"to","start":2245.9648,"end":2246.045,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0055851805955171585},{"word":"talk","start":2246.045,"end":2246.37,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.01939370669424534},{"word":"through","start":2246.53,"end":2246.85,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01385420374572277},{"word":"briefly","start":2246.85,"end":2247.35,"confidence":0.9951172,"punctuated_word":"briefly.","sentiment":"neutral","sentiment_score":0.010720397345721722},{"word":"it's","start":2247.4102,"end":2247.6501,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.020471248775720596},{"word":"the","start":2247.6501,"end":2247.8901,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019936421886086464},{"word":"vanguard","start":2247.8901,"end":2248.3901,"confidence":0.97265625,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.010510091669857502},{"word":"index","start":2248.4502,"end":2248.9302,"confidence":0.8911133,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.011189337819814682},{"word":"chart","start":2248.9302,"end":2249.4302,"confidence":0.99902344,"punctuated_word":"chart.","sentiment":"neutral","sentiment_score":0.013937718234956264},{"word":"you","start":2250.37,"end":2250.87,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00639709085226059},{"word":"are","start":2251.4102,"end":2251.9102,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.011332252994179726},{"word":"presently","start":2252.1301,"end":2252.6301,"confidence":1.0,"punctuated_word":"presently","sentiment":"neutral","sentiment_score":0.00846815388649702},{"word":"invested","start":2252.77,"end":2253.27,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.013643603771924973},{"word":"as","start":2253.57,"end":2253.9702,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.008174730464816093},{"word":"a","start":2253.9702,"end":2254.4702,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011016529984772204},{"word":"growth","start":2254.53,"end":2254.9302,"confidence":0.8857422,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.007812350988388061},{"word":"investor","start":2254.9302,"end":2255.4302,"confidence":0.9995117,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.0005887653678655624},{"word":"what","start":2256.29,"end":2256.61,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0035045351833105087},{"word":"that","start":2256.61,"end":2256.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0054501257836818695},{"word":"means","start":2256.85,"end":2257.35,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.004220379516482353},{"word":"is","start":2257.4102,"end":2257.81,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0018441267311573029},{"word":"down","start":2257.81,"end":2258.1301,"confidence":0.9658203,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.01801060512661934},{"word":"the","start":2258.1301,"end":2258.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008149920031428337},{"word":"right","start":2258.29,"end":2258.4502,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0308187622576952},{"word":"hand","start":2258.4502,"end":2258.775,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.02210959978401661},{"word":"side","start":2258.775,"end":2259.015,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.01961975172162056},{"word":"of","start":2259.015,"end":2259.1748,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013883344829082487},{"word":"this","start":2259.1748,"end":2259.255,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.01683143526315689},{"word":"page","start":2259.255,"end":2259.755,"confidence":0.99853516,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.020003020763397217},{"word":"you'll","start":2259.815,"end":2259.9749,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.022531282156705856},{"word":"see","start":2259.9749,"end":2260.295,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.030492350459098816},{"word":"the","start":2260.295,"end":2260.4548,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013802984729409218},{"word":"top","start":2260.4548,"end":2260.9548,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.015047173947095873},{"word":"four","start":2263.015,"end":2263.4949,"confidence":0.99121094,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.014964263886213304},{"word":"assets","start":2263.4949,"end":2263.9749,"confidence":0.88134766,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.006420424208045006},{"word":"being","start":2263.9749,"end":2264.295,"confidence":0.9921875,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.02655116096138954},{"word":"us","start":2264.295,"end":2264.615,"confidence":0.99609375,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.010861558839678764},{"word":"shares","start":2264.615,"end":2265.115,"confidence":0.9951172,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.016906309872865677},{"word":"australian","start":2265.1748,"end":2265.6748,"confidence":0.35253906,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.018003243952989578},{"word":"shares","start":2265.7349,"end":2266.055,"confidence":0.9995117,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.019010335206985474},{"word":"international","start":2266.055,"end":2266.555,"confidence":0.9873047,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.01852153427898884},{"word":"shares","start":2266.855,"end":2267.255,"confidence":0.98950195,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.015386605635285378},{"word":"and","start":2267.255,"end":2267.4949,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012170152738690376},{"word":"listed","start":2267.4949,"end":2267.815,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.010937804356217384},{"word":"property","start":2267.815,"end":2268.315,"confidence":0.9951172,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.010183648206293585},{"word":"they're","start":2269.1748,"end":2269.4949,"confidence":0.9951172,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.021287675946950912},{"word":"your","start":2269.4949,"end":2269.7349,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023329488933086395},{"word":"growth","start":2269.7349,"end":2270.135,"confidence":0.8540039,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.032623372972011566},{"word":"they're","start":2270.135,"end":2270.4548,"confidence":0.99316406,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.014364704489707949},{"word":"your","start":2270.4548,"end":2270.6948,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01942407339811325},{"word":"growth","start":2270.6948,"end":2271.015,"confidence":0.9716797,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.01421353965997696},{"word":"assets","start":2271.015,"end":2271.515,"confidence":0.9921875,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.007969846948981285},{"word":"so","start":2272.2148,"end":2272.7148,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0007166042923927307},{"word":"in","start":2273.095,"end":2273.335,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02677307650446892},{"word":"a","start":2273.335,"end":2273.4949,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.023890148848295212},{"word":"gross","start":2273.4949,"end":2273.88,"confidence":0.7050781,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.04267953708767891},{"word":"risk","start":2274.44,"end":2274.8398,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0289105661213398},{"word":"profile","start":2274.8398,"end":2275.3398,"confidence":0.9995117,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":-0.0308338925242424},{"word":"we","start":2275.96,"end":2276.2798,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04729650542140007},{"word":"typically","start":2276.2798,"end":2276.7798,"confidence":0.99902344,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":-0.040739756077528},{"word":"have","start":2276.92,"end":2277.3198,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03613678365945816},{"word":"about","start":2277.3198,"end":2277.72,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05266949534416199},{"word":"80%","start":2277.72,"end":2278.44,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":-0.025167547166347504},{"word":"of","start":2278.44,"end":2278.5999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02811034396290779},{"word":"your","start":2278.5999,"end":2279.0,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.020243991166353226},{"word":"funds","start":2279.0,"end":2279.5,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.02554801106452942},{"word":"invested","start":2279.72,"end":2280.22,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.01441757008433342},{"word":"across","start":2280.44,"end":2280.94,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.015385661274194716},{"word":"those","start":2281.0,"end":2281.5,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.011126842349767683},{"word":"four","start":2281.7998,"end":2282.2998,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.008802685886621475},{"word":"sectors","start":2282.5999,"end":2283.0999,"confidence":0.9238281,"punctuated_word":"sectors.","sentiment":"neutral","sentiment_score":-0.013422089628875256},{"word":"and","start":2284.44,"end":2284.68,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.012742951512336733},{"word":"then","start":2284.68,"end":2285.16,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.011989619582891464},{"word":"the","start":2285.16,"end":2285.3198,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019089803099632263},{"word":"remaining","start":2285.3198,"end":2285.8198,"confidence":0.99902344,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":-0.02116885408759117},{"word":"20%","start":2285.88,"end":2286.7598,"confidence":0.9975586,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.00844937190413475},{"word":"is","start":2286.7598,"end":2286.92,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00872178003191948},{"word":"invested","start":2286.92,"end":2287.42,"confidence":0.9980469,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.005820728838443756},{"word":"along","start":2287.5598,"end":2288.0598,"confidence":0.9667969,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.01579996943473816},{"word":"across","start":2288.405,"end":2288.805,"confidence":0.9941406,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.00935041531920433},{"word":"the","start":2288.805,"end":2289.305,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003246080130338669},{"word":"defensive","start":2289.445,"end":2289.945,"confidence":0.9921875,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.012482285499572754},{"word":"assets","start":2290.005,"end":2290.405,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.0005678273737430573},{"word":"being","start":2290.405,"end":2290.905,"confidence":0.77001953,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.01852346956729889},{"word":"your","start":2291.125,"end":2291.445,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.000852532684803009},{"word":"bonds","start":2291.445,"end":2291.945,"confidence":0.99365234,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":-0.0025609545409679413},{"word":"cash","start":2292.325,"end":2292.825,"confidence":0.98217773,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":-0.005822144448757172},{"word":"and","start":2294.085,"end":2294.4849,"confidence":0.82714844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014708615839481354},{"word":"fixed","start":2294.4849,"end":2294.805,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":-0.0147506445646286},{"word":"interest","start":2294.805,"end":2295.305,"confidence":0.99316406,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.01836017705500126},{"word":"so","start":2296.005,"end":2296.505,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03198982775211334},{"word":"with","start":2297.445,"end":2297.685,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14204296469688416},{"word":"a","start":2297.685,"end":2297.845,"confidence":0.7705078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11131224036216736},{"word":"growth","start":2297.845,"end":2298.325,"confidence":0.8041992,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.08649814128875732},{"word":"portfolio","start":2298.325,"end":2298.825,"confidence":0.9975586,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.1382228583097458},{"word":"we","start":2299.125,"end":2299.365,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14647634327411652},{"word":"do","start":2299.365,"end":2299.765,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13508276641368866},{"word":"expect","start":2299.765,"end":2300.2449,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.13832250237464905},{"word":"to","start":2300.2449,"end":2300.405,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13582448661327362},{"word":"see","start":2300.405,"end":2300.565,"confidence":0.9873047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.12205014377832411},{"word":"about","start":2300.565,"end":2300.9648,"confidence":0.984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.16290059685707092},{"word":"seven","start":2300.9648,"end":2301.285,"confidence":0.99902344,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.17511767148971558},{"word":"to","start":2301.285,"end":2301.445,"confidence":0.8959961,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15674084424972534},{"word":"a","start":2301.445,"end":2301.605,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13863299787044525},{"word":"9%","start":2301.605,"end":2302.2449,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":-0.12167332321405412},{"word":"return","start":2302.2449,"end":2302.74,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.13853755593299866},{"word":"per","start":2302.74,"end":2302.9,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.1574360728263855},{"word":"annum","start":2302.9,"end":2303.4,"confidence":0.9192708,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":-0.154217928647995},{"word":"and","start":2305.38,"end":2305.6199,"confidence":0.75927734,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13617266714572906},{"word":"you","start":2305.6199,"end":2305.78,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1916823983192444},{"word":"would","start":2305.78,"end":2306.02,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1663724184036255},{"word":"think","start":2306.02,"end":2306.26,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1912617385387421},{"word":"that","start":2306.26,"end":2306.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.173052117228508},{"word":"and","start":2306.66,"end":2306.9,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1833844631910324},{"word":"we","start":2306.9,"end":2307.06,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19354315102100372},{"word":"would","start":2307.06,"end":2307.3,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.21306835114955905},{"word":"expect","start":2307.3,"end":2307.7,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.20679433643817904},{"word":"that","start":2307.7,"end":2307.86,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17763206362724304},{"word":"one","start":2307.86,"end":2308.1,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.18268655240535736},{"word":"in","start":2308.1,"end":2308.34,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16160154342651367},{"word":"every","start":2308.34,"end":2308.66,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.158380389213562},{"word":"five","start":2308.66,"end":2308.98,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.22205355763435364},{"word":"years","start":2308.98,"end":2309.38,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.17169567942619324},{"word":"is","start":2309.38,"end":2309.6199,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.24163475632667544},{"word":"a","start":2309.6199,"end":2309.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2367737591266632},{"word":"negative","start":2309.78,"end":2310.26,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.26753324270248413},{"word":"return","start":2310.26,"end":2310.76,"confidence":1.0,"punctuated_word":"return","sentiment":"negative","sentiment_score":-0.3337535858154297},{"word":"with","start":2311.78,"end":2312.02,"confidence":0.921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.29106003046035767},{"word":"a","start":2312.02,"end":2312.18,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.280046284198761},{"word":"minimum","start":2312.18,"end":2312.68,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.30089202523231506},{"word":"of","start":2312.82,"end":2312.98,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23727332055568695},{"word":"a","start":2312.98,"end":2313.22,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.223631888628006},{"word":"six","start":2313.22,"end":2313.54,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.22324448823928833},{"word":"year","start":2313.54,"end":2314.04,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.15525545179843905},{"word":"investment","start":2314.26,"end":2314.76,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.18714779615402224},{"word":"time","start":2314.98,"end":2315.3,"confidence":0.9790039,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.15451517701148987},{"word":"frame","start":2315.3,"end":2315.8,"confidence":1.0,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.1722473502159119},{"word":"so","start":2316.335,"end":2316.7349,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08795647323131561},{"word":"given","start":2316.7349,"end":2317.135,"confidence":0.99902344,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.10020236670970915},{"word":"that","start":2317.135,"end":2317.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07812516391277313},{"word":"you","start":2317.375,"end":2317.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09340554475784302},{"word":"have","start":2317.615,"end":2318.115,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08643835783004761},{"word":"nineteen","start":2318.815,"end":2319.315,"confidence":0.99902344,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":-0.11725794523954391},{"word":"years","start":2319.535,"end":2319.9348,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.090906023979187},{"word":"no","start":2320.575,"end":2320.815,"confidence":0.9941406,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08893795311450958},{"word":"sorry","start":2320.815,"end":2321.135,"confidence":0.99365234,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.05683661252260208},{"word":"not","start":2321.135,"end":2321.375,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09728805720806122},{"word":"nineteen","start":2321.375,"end":2321.775,"confidence":1.0,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":-0.10553000122308732},{"word":"years","start":2321.775,"end":2322.275,"confidence":0.9916992,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.10909587144851685},{"word":"sorry","start":2322.4949,"end":2322.9949,"confidence":0.99902344,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.19160285592079165},{"word":"i","start":2323.135,"end":2323.375,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3699910044670105},{"word":"am","start":2323.375,"end":2323.855,"confidence":0.9760742,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.33107316493988037},{"word":"really","start":2323.855,"end":2324.1748,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.42184051871299744},{"word":"bad","start":2324.1748,"end":2324.4148,"confidence":1.0,"punctuated_word":"bad","sentiment":"negative","sentiment_score":-0.47161826491355896},{"word":"at","start":2324.4148,"end":2324.575,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.47372564673423767},{"word":"math","start":2324.575,"end":2324.815,"confidence":0.9472656,"punctuated_word":"math","sentiment":"negative","sentiment_score":-0.4233455359935761},{"word":"today","start":2324.815,"end":2325.315,"confidence":0.9995117,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.28165072202682495},{"word":"you","start":2330.38,"end":2330.54,"confidence":0.48583984,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00274541974067688},{"word":"have","start":2330.54,"end":2330.8599,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.013862274587154388},{"word":"eleven","start":2330.8599,"end":2331.34,"confidence":0.99609375,"punctuated_word":"eleven","sentiment":"neutral","sentiment_score":-0.02899123728275299},{"word":"years","start":2331.34,"end":2331.58,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.029265251010656357},{"word":"until","start":2331.58,"end":2331.98,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.006815627217292786},{"word":"you're","start":2331.98,"end":2332.22,"confidence":0.9921875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.01321717631071806},{"word":"actually","start":2332.22,"end":2332.7,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.007291540503501892},{"word":"able","start":2332.7,"end":2332.94,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.005668412894010544},{"word":"to","start":2332.94,"end":2333.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009843669831752775},{"word":"access","start":2333.18,"end":2333.66,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.0029510483145713806},{"word":"super","start":2333.66,"end":2334.06,"confidence":0.6706543,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.02504577115178108},{"word":"so","start":2334.06,"end":2334.22,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.00878823921084404},{"word":"your","start":2334.22,"end":2334.46,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0035001039505004883},{"word":"preservation","start":2334.46,"end":2334.96,"confidence":0.99609375,"punctuated_word":"preservation","sentiment":"neutral","sentiment_score":0.007218509912490845},{"word":"age","start":2335.02,"end":2335.26,"confidence":0.9921875,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.023056551814079285},{"word":"is","start":2335.26,"end":2335.5,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006555497646331787},{"word":"60","start":2335.5,"end":2336.0,"confidence":0.9980469,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":-0.02455056458711624},{"word":"you","start":2336.6199,"end":2336.8599,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.020773351192474365},{"word":"do","start":2336.8599,"end":2337.02,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07211454957723618},{"word":"have","start":2337.02,"end":2337.34,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05123813450336456},{"word":"time","start":2337.34,"end":2337.66,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.025994084775447845},{"word":"on","start":2337.66,"end":2337.82,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.030291348695755005},{"word":"your","start":2337.82,"end":2338.06,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0004712790250778198},{"word":"side","start":2338.06,"end":2338.54,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.026544347405433655},{"word":"to","start":2338.54,"end":2339.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017409466207027435},{"word":"hold","start":2339.98,"end":2340.38,"confidence":0.73583984,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.030080340802669525},{"word":"that","start":2340.38,"end":2340.78,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002170071005821228},{"word":"gross","start":2340.78,"end":2341.0999,"confidence":0.7519531,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.19511424005031583},{"word":"risk","start":2341.0999,"end":2341.42,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08348046243190765},{"word":"profile","start":2341.42,"end":2341.92,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.09014466404914856},{"word":"if","start":2342.22,"end":2342.54,"confidence":0.9790039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02894403040409088},{"word":"you","start":2342.54,"end":2343.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06342573463916779},{"word":"feel","start":2343.02,"end":2343.34,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.062009334564208984},{"word":"comfortable","start":2343.34,"end":2343.84,"confidence":0.8293457,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":-0.1092841625213623},{"word":"or","start":2344.795,"end":2345.115,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06373116374015808},{"word":"or","start":2345.115,"end":2345.275,"confidence":0.7675781,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03285487741231918},{"word":"you","start":2345.275,"end":2345.355,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03218989074230194},{"word":"could","start":2345.355,"end":2345.595,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08155940473079681},{"word":"even","start":2345.595,"end":2346.095,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.007124409079551697},{"word":"potentially","start":2346.155,"end":2346.655,"confidence":0.9941406,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.02401682734489441},{"word":"look","start":2346.715,"end":2346.955,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.038894087076187134},{"word":"at","start":2346.955,"end":2347.115,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09333519637584686},{"word":"upping","start":2347.115,"end":2347.595,"confidence":0.99194336,"punctuated_word":"upping","sentiment":"neutral","sentiment_score":-0.028213370591402057},{"word":"some","start":2347.595,"end":2347.835,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04932802170515061},{"word":"of","start":2347.835,"end":2347.995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.060671366751194},{"word":"that","start":2347.995,"end":2348.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07041087746620178},{"word":"exposure","start":2348.395,"end":2348.895,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.05519679933786392},{"word":"to","start":2348.955,"end":2349.195,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07187771797180176},{"word":"growth","start":2349.195,"end":2349.5151,"confidence":0.84472656,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.016685083508491516},{"word":"to","start":2349.5151,"end":2349.675,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010051578283309937},{"word":"see","start":2349.675,"end":2349.795,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05955912172794342},{"word":"if","start":2349.795,"end":2349.915,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.042672522366046906},{"word":"you","start":2349.915,"end":2350.075,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03219950199127197},{"word":"can","start":2350.075,"end":2350.235,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07071197032928467},{"word":"get","start":2350.235,"end":2350.475,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08415226638317108},{"word":"some","start":2350.475,"end":2350.635,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.059271976351737976},{"word":"more","start":2350.635,"end":2351.135,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06136693060398102},{"word":"growth","start":2352.075,"end":2352.475,"confidence":0.62060547,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04228907823562622},{"word":"opportunities","start":2352.475,"end":2352.975,"confidence":0.99560547,"punctuated_word":"opportunities.","sentiment":"neutral","sentiment_score":0.09666887670755386},{"word":"it's","start":2353.5151,"end":2353.915,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.036938995122909546},{"word":"simply","start":2353.915,"end":2354.415,"confidence":1.0,"punctuated_word":"simply","sentiment":"neutral","sentiment_score":0.03498981148004532},{"word":"a","start":2354.635,"end":2355.135,"confidence":0.7290039,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.023089228197932243},{"word":"what","start":2355.995,"end":2356.235,"confidence":0.6503906,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04304177686572075},{"word":"i","start":2356.235,"end":2356.395,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012706369161605837},{"word":"like","start":2356.395,"end":2356.555,"confidence":0.9790039,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07950501143932343},{"word":"to","start":2356.555,"end":2356.86,"confidence":0.9482422,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08446960151195526},{"word":"call","start":2356.9402,"end":2357.1,"confidence":0.86621094,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.07990620285272598},{"word":"a","start":2357.1,"end":2357.26,"confidence":0.78466797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09496155381202698},{"word":"sleep","start":2357.26,"end":2357.34,"confidence":0.9951172,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":0.04270339757204056},{"word":"at","start":2357.34,"end":2357.58,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06564171612262726},{"word":"night","start":2357.58,"end":2357.82,"confidence":1.0,"punctuated_word":"night","sentiment":"neutral","sentiment_score":0.037101298570632935},{"word":"test","start":2357.82,"end":2358.32,"confidence":0.9970703,"punctuated_word":"test.","sentiment":"neutral","sentiment_score":0.041403599083423615},{"word":"if","start":2358.54,"end":2358.78,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0207640677690506},{"word":"you","start":2358.78,"end":2359.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040226392447948456},{"word":"can't","start":2359.9802,"end":2360.3801,"confidence":0.98950195,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.09234651923179626},{"word":"sleep","start":2360.3801,"end":2360.7002,"confidence":1.0,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":-0.11518240720033646},{"word":"at","start":2360.7002,"end":2360.86,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11581788957118988},{"word":"night","start":2360.86,"end":2361.02,"confidence":1.0,"punctuated_word":"night","sentiment":"neutral","sentiment_score":-0.1239357739686966},{"word":"and","start":2361.02,"end":2361.1802,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1348731815814972},{"word":"you're","start":2361.1802,"end":2361.34,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12916994094848633},{"word":"worried","start":2361.34,"end":2361.74,"confidence":1.0,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.1293092668056488},{"word":"about","start":2361.74,"end":2361.9802,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.22585470974445343},{"word":"these","start":2361.9802,"end":2362.3,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.16847079992294312},{"word":"types","start":2362.3,"end":2362.54,"confidence":0.9980469,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.2085653394460678},{"word":"of","start":2362.54,"end":2362.7002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16003350913524628},{"word":"things","start":2362.7002,"end":2363.2002,"confidence":0.99902344,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.19919168949127197},{"word":"we","start":2363.9802,"end":2364.3,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1447683572769165},{"word":"probably","start":2364.3,"end":2364.78,"confidence":0.9350586,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.152989000082016},{"word":"need","start":2364.78,"end":2364.9402,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.21822139620780945},{"word":"to","start":2364.9402,"end":2365.1,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18820129334926605},{"word":"revisit","start":2365.1,"end":2365.6,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":-0.1988691538572311},{"word":"how","start":2365.6602,"end":2365.9001,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1491720974445343},{"word":"the","start":2365.9001,"end":2366.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16226063668727875},{"word":"funds","start":2366.06,"end":2366.3801,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.14045751094818115},{"word":"are","start":2366.3801,"end":2366.54,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07982442528009415},{"word":"invested","start":2366.54,"end":2367.04,"confidence":0.9980469,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":-0.10812608897686005},{"word":"yeah","start":2378.635,"end":2379.135,"confidence":0.9741211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09431328624486925},{"word":"so","start":2379.355,"end":2379.595,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19596125185489657},{"word":"you're","start":2379.595,"end":2379.835,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.36406272649765015},{"word":"happy","start":2379.835,"end":2380.075,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4581480324268341},{"word":"to","start":2380.075,"end":2380.235,"confidence":0.99121094,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5284037590026855},{"word":"maintain","start":2380.235,"end":2380.735,"confidence":0.99121094,"punctuated_word":"maintain","sentiment":"positive","sentiment_score":0.48597997426986694},{"word":"that","start":2380.795,"end":2381.035,"confidence":0.50341797,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5533212423324585},{"word":"eighty","start":2381.035,"end":2381.355,"confidence":0.99121094,"punctuated_word":"eighty","sentiment":"positive","sentiment_score":0.4481560587882995},{"word":"twenty","start":2381.355,"end":2381.675,"confidence":0.88964844,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.5538848638534546},{"word":"split","start":2381.675,"end":2382.075,"confidence":0.87646484,"punctuated_word":"split,","sentiment":"positive","sentiment_score":0.4342847168445587},{"word":"have","start":2382.075,"end":2382.315,"confidence":0.98095703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.38872918486595154},{"word":"80","start":2382.315,"end":2382.815,"confidence":0.9614258,"punctuated_word":"80","sentiment":"positive","sentiment_score":0.3805270493030548},{"word":"across","start":2383.0,"end":2383.48,"confidence":0.6879883,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.31176644563674927},{"word":"those","start":2383.48,"end":2383.8,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.29016754031181335},{"word":"top","start":2383.8,"end":2384.12,"confidence":0.9980469,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.23087455332279205},{"word":"four","start":2384.12,"end":2384.4402,"confidence":0.9941406,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.34302306175231934},{"word":"where","start":2384.4402,"end":2384.6802,"confidence":0.9116211,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2685144245624542},{"word":"you","start":2384.6802,"end":2384.84,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2516293525695801},{"word":"see","start":2384.84,"end":2385.1602,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22966815531253815},{"word":"a","start":2385.1602,"end":2385.32,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25655871629714966},{"word":"lot","start":2385.32,"end":2385.48,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1848269999027252},{"word":"more","start":2385.48,"end":2385.8,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.15783002972602844},{"word":"volatility","start":2385.8,"end":2386.3,"confidence":0.88916016,"punctuated_word":"volatility,","sentiment":"neutral","sentiment_score":0.18846571445465088},{"word":"but","start":2386.4402,"end":2386.6802,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.21062560379505155},{"word":"over","start":2386.6802,"end":2387.0,"confidence":0.99316406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.22878992557525635},{"word":"the","start":2387.0,"end":2387.08,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20774078369140625},{"word":"long","start":2387.08,"end":2387.32,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2416553944349289},{"word":"term","start":2387.32,"end":2387.82,"confidence":0.99609375,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.28913840651512146},{"word":"growth","start":2387.8801,"end":2388.3801,"confidence":0.734375,"punctuated_word":"growth?","sentiment":"neutral","sentiment_score":0.29110920429229736},{"word":"okay","start":2390.28,"end":2390.78,"confidence":0.97680664,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.22151929140090945},{"word":"alright","start":2391.0,"end":2391.48,"confidence":0.99609375,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.40156739950180054},{"word":"lovely","start":2391.48,"end":2391.98,"confidence":0.99902344,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.5032983422279358},{"word":"the","start":2393.1602,"end":2393.4001,"confidence":0.81591797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1967933624982834},{"word":"next","start":2393.4001,"end":2393.72,"confidence":0.9902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15518289804458618},{"word":"two","start":2393.72,"end":2393.9602,"confidence":0.98291016,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08180755376815796},{"word":"documents","start":2393.9602,"end":2394.4602,"confidence":0.98095703,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.12058430165052414},{"word":"are","start":2394.76,"end":2394.9202,"confidence":0.9580078,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12038472294807434},{"word":"your","start":2394.9202,"end":2395.24,"confidence":0.95947266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14649255573749542},{"word":"certificates","start":2395.24,"end":2395.74,"confidence":0.7006836,"punctuated_word":"certificates","sentiment":"neutral","sentiment_score":0.083119235932827},{"word":"of","start":2395.895,"end":2396.055,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10772151499986649},{"word":"currency","start":2396.055,"end":2396.555,"confidence":0.9970703,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.14042022824287417},{"word":"from","start":2396.615,"end":2396.855,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1184384897351265},{"word":"metlife","start":2396.855,"end":2397.355,"confidence":0.9923503,"punctuated_word":"MetLife.","sentiment":"neutral","sentiment_score":0.15012601017951965},{"word":"so","start":2397.415,"end":2397.655,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09504149109125136},{"word":"what","start":2397.655,"end":2397.9749,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1013331338763237},{"word":"these","start":2397.9749,"end":2398.295,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.07402019202709198},{"word":"documents","start":2398.295,"end":2398.775,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.0655781477689743},{"word":"are","start":2398.775,"end":2399.015,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07383134961128235},{"word":"showing","start":2399.015,"end":2399.335,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.09242001175880432},{"word":"you","start":2399.335,"end":2399.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0990440994501114},{"word":"is","start":2399.655,"end":2399.895,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08062757551670074},{"word":"that","start":2399.895,"end":2400.135,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0809861496090889},{"word":"your","start":2400.135,"end":2400.635,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07400081306695938},{"word":"insurance","start":2400.935,"end":2401.435,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07225188612937927},{"word":"policies","start":2401.655,"end":2402.155,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.06469859182834625},{"word":"are","start":2402.295,"end":2402.615,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08967328071594238},{"word":"enforced","start":2402.615,"end":2403.115,"confidence":0.5517578,"punctuated_word":"enforced","sentiment":"neutral","sentiment_score":0.08843806385993958},{"word":"and","start":2404.375,"end":2404.875,"confidence":0.80566406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06277039647102356},{"word":"who","start":2405.095,"end":2405.335,"confidence":0.9892578,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.1009579300880432},{"word":"your","start":2405.335,"end":2405.575,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08264514803886414},{"word":"beneficiaries","start":2405.575,"end":2406.075,"confidence":1.0,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.1089874431490898},{"word":"are","start":2406.4548,"end":2406.775,"confidence":0.99121094,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.10034802556037904},{"word":"which","start":2406.775,"end":2407.095,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.15395626425743103},{"word":"we","start":2407.095,"end":2407.335,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12006716430187224},{"word":"will","start":2407.335,"end":2407.575,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14626994729042053},{"word":"have","start":2407.575,"end":2407.895,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15368157625198364},{"word":"that","start":2407.895,"end":2408.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14708927273750305},{"word":"updated","start":2408.375,"end":2408.875,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1507243514060974},{"word":"for","start":2409.175,"end":2409.415,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1385541558265686},{"word":"you","start":2409.415,"end":2409.915,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11224741488695145},{"word":"to","start":2411.19,"end":2411.5898,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07581198215484619},{"word":"be","start":2411.5898,"end":2412.0698,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06687004119157791},{"word":"timothy","start":2412.0698,"end":2412.5698,"confidence":0.9814453,"punctuated_word":"Timothy.","sentiment":"neutral","sentiment_score":0.06186145171523094},{"word":"and","start":2414.63,"end":2414.79,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.062057919800281525},{"word":"then","start":2414.79,"end":2415.03,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06700369715690613},{"word":"the","start":2415.03,"end":2415.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05974606424570083},{"word":"next","start":2415.19,"end":2415.67,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04543980583548546},{"word":"document","start":2415.67,"end":2416.17,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.04627681523561478},{"word":"over","start":2416.39,"end":2416.79,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08085078001022339},{"word":"is","start":2416.79,"end":2417.1099,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04504331573843956},{"word":"our","start":2417.1099,"end":2417.27,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05986825004220009},{"word":"financial","start":2417.27,"end":2417.77,"confidence":0.9980469,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.03740004450082779},{"word":"services","start":2417.91,"end":2418.41,"confidence":1.0,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.027749836444854736},{"word":"guide","start":2418.55,"end":2418.95,"confidence":0.99072266,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.056281886994838715},{"word":"so","start":2418.95,"end":2419.45,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06558607518672943},{"word":"what","start":2420.47,"end":2420.79,"confidence":0.9580078,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07654852420091629},{"word":"that","start":2420.79,"end":2421.1099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05827533081173897},{"word":"is","start":2421.1099,"end":2421.6099,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0406319685280323},{"word":"is","start":2421.67,"end":2422.17,"confidence":0.9580078,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04281556233763695},{"word":"a","start":2422.71,"end":2422.8699,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04971854388713837},{"word":"legal","start":2422.8699,"end":2423.205,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.05975305661559105},{"word":"document","start":2423.365,"end":2423.605,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.03948371484875679},{"word":"that","start":2423.605,"end":2423.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04925526678562164},{"word":"we","start":2423.685,"end":2423.925,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03126819059252739},{"word":"provide","start":2423.925,"end":2424.3252,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.06572224944829941},{"word":"to","start":2424.3252,"end":2424.5652,"confidence":0.9135742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06462383270263672},{"word":"clients","start":2424.5652,"end":2425.0652,"confidence":0.9663086,"punctuated_word":"clients.","sentiment":"neutral","sentiment_score":0.06882449984550476},{"word":"it","start":2425.125,"end":2425.445,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09295433759689332},{"word":"explains","start":2425.445,"end":2425.945,"confidence":1.0,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.07516267895698547},{"word":"who","start":2426.0051,"end":2426.245,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.043305765837430954},{"word":"we","start":2426.245,"end":2426.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04458703100681305},{"word":"are","start":2426.485,"end":2426.985,"confidence":0.9975586,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.052708059549331665},{"word":"the","start":2427.7651,"end":2428.0051,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04273819178342819},{"word":"type","start":2428.0051,"end":2428.3252,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.001826941967010498},{"word":"of","start":2428.3252,"end":2428.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030769966542720795},{"word":"advice","start":2428.485,"end":2428.965,"confidence":0.99609375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.023882225155830383},{"word":"we're","start":2428.965,"end":2429.205,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03916074335575104},{"word":"allowed","start":2429.205,"end":2429.605,"confidence":1.0,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.04215674102306366},{"word":"to","start":2429.605,"end":2429.7651,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048141930252313614},{"word":"give","start":2429.7651,"end":2430.2651,"confidence":0.9995117,"punctuated_word":"give,","sentiment":"neutral","sentiment_score":0.07215917855501175},{"word":"how","start":2430.645,"end":2430.8052,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09043418616056442},{"word":"we","start":2430.8052,"end":2430.965,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08285550028085709},{"word":"give","start":2430.965,"end":2431.205,"confidence":0.99609375,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09932054579257964},{"word":"it","start":2431.205,"end":2431.705,"confidence":0.98999023,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.12127777189016342},{"word":"an","start":2431.7651,"end":2432.0051,"confidence":0.95410156,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10875745117664336},{"word":"overview","start":2432.0051,"end":2432.5051,"confidence":1.0,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.12618882954120636},{"word":"of","start":2432.5652,"end":2432.645,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09203417599201202},{"word":"our","start":2432.645,"end":2432.965,"confidence":0.97314453,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.060987792909145355},{"word":"fee","start":2432.965,"end":2433.365,"confidence":0.9921875,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.049842000007629395},{"word":"structure","start":2433.365,"end":2433.865,"confidence":0.9123535,"punctuated_word":"structure,","sentiment":"neutral","sentiment_score":0.04634768515825272},{"word":"and","start":2434.3252,"end":2434.5652,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08706501126289368},{"word":"importantly","start":2434.5652,"end":2435.0652,"confidence":0.7541504,"punctuated_word":"importantly,","sentiment":"neutral","sentiment_score":0.08530457317829132},{"word":"if","start":2435.2852,"end":2435.445,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.019030943512916565},{"word":"you're","start":2435.445,"end":2435.685,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.050484757870435715},{"word":"unhappy","start":2435.685,"end":2436.185,"confidence":0.99902344,"punctuated_word":"unhappy","sentiment":"neutral","sentiment_score":-0.1281900703907013},{"word":"with","start":2436.405,"end":2436.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1331234872341156},{"word":"any","start":2436.725,"end":2436.965,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10004344582557678},{"word":"advice","start":2436.965,"end":2437.445,"confidence":0.99609375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.11500989645719528},{"word":"or","start":2437.445,"end":2437.605,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08941430598497391},{"word":"services","start":2437.605,"end":2438.04,"confidence":0.9863281,"punctuated_word":"services","sentiment":"neutral","sentiment_score":-0.08651844412088394},{"word":"you","start":2438.12,"end":2438.28,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.050983309745788574},{"word":"receive","start":2438.28,"end":2438.76,"confidence":0.7922363,"punctuated_word":"receive,","sentiment":"neutral","sentiment_score":-0.03415561094880104},{"word":"the","start":2438.76,"end":2439.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011613599956035614},{"word":"complaint's","start":2439.08,"end":2439.58,"confidence":0.72680664,"punctuated_word":"complaint's","sentiment":"neutral","sentiment_score":0.00801132246851921},{"word":"processed","start":2439.6401,"end":2440.1401,"confidence":0.96655273,"punctuated_word":"processed.","sentiment":"neutral","sentiment_score":0.015667296946048737},{"word":"and","start":2442.6,"end":2442.76,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.043827272951602936},{"word":"then","start":2442.76,"end":2442.92,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04354820400476456},{"word":"the","start":2442.92,"end":2443.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04019398242235184},{"word":"last","start":2443.08,"end":2443.48,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.024700621142983437},{"word":"document","start":2443.48,"end":2443.98,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.02454455755650997},{"word":"is","start":2444.12,"end":2444.28,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.027483753859996796},{"word":"your","start":2444.28,"end":2444.52,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026761602610349655},{"word":"ongoing","start":2444.52,"end":2445.02,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.03683916851878166},{"word":"service","start":2445.08,"end":2445.56,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.010003253817558289},{"word":"agreement","start":2445.56,"end":2446.06,"confidence":0.9951172,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.01363660953938961},{"word":"so","start":2446.12,"end":2446.62,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.024650223553180695},{"word":"this","start":2446.84,"end":2447.0,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03711362183094025},{"word":"is","start":2447.0,"end":2447.24,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06326986849308014},{"word":"the","start":2447.24,"end":2447.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09111160039901732},{"word":"fee","start":2447.48,"end":2447.72,"confidence":1.0,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.05954519286751747},{"word":"that","start":2447.72,"end":2448.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08371147513389587},{"word":"we","start":2448.04,"end":2448.28,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09789495170116425},{"word":"charge","start":2448.28,"end":2448.68,"confidence":0.99902344,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":-0.03501281887292862},{"word":"you","start":2448.68,"end":2448.92,"confidence":0.9470215,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.027036456391215324},{"word":"and","start":2448.92,"end":2449.08,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05852849408984184},{"word":"that's","start":2449.08,"end":2449.58,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.052798956632614136},{"word":"from","start":2449.8801,"end":2450.12,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.061296507716178894},{"word":"your","start":2450.12,"end":2450.6,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06285817176103592},{"word":"superannuation","start":2450.6,"end":2451.1,"confidence":0.99934894,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.031336087733507156},{"word":"fund","start":2451.6401,"end":2452.1401,"confidence":0.8930664,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.030466513708233833},{"word":"and","start":2452.5051,"end":2453.0051,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.039963576942682266},{"word":"we","start":2453.465,"end":2453.945,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05733330920338631},{"word":"it's","start":2455.7852,"end":2456.0251,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06032560765743256},{"word":"a","start":2456.0251,"end":2456.185,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0621945783495903},{"word":"fixed","start":2456.185,"end":2456.585,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":-0.0337115041911602},{"word":"fee","start":2456.585,"end":2456.905,"confidence":0.9394531,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":-0.0432174988090992},{"word":"so","start":2456.905,"end":2457.145,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08191990852355957},{"word":"previously","start":2457.145,"end":2457.645,"confidence":0.7529297,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":-0.13641798496246338},{"word":"it","start":2457.705,"end":2457.865,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1696164458990097},{"word":"was","start":2457.865,"end":2458.0251,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1647416651248932},{"word":"a","start":2458.0251,"end":2458.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.164747416973114},{"word":"percent","start":2458.185,"end":2458.585,"confidence":0.99902344,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":-0.07238803803920746},{"word":"based","start":2458.585,"end":2458.985,"confidence":0.99121094,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.06664605438709259},{"word":"fee","start":2458.985,"end":2459.3052,"confidence":0.9916992,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":-0.07578722387552261},{"word":"which","start":2459.3052,"end":2459.5452,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.07635293900966644},{"word":"means","start":2459.5452,"end":2459.945,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.067997507750988},{"word":"each","start":2459.945,"end":2460.185,"confidence":0.99609375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.052592575550079346},{"word":"month","start":2460.185,"end":2460.5051,"confidence":0.9951172,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.05929924175143242},{"word":"that","start":2460.5051,"end":2460.745,"confidence":0.62158203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07843458652496338},{"word":"changed","start":2460.745,"end":2461.225,"confidence":0.890625,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.08051767945289612},{"word":"depending","start":2461.225,"end":2461.5452,"confidence":0.99316406,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.05880705639719963},{"word":"on","start":2461.5452,"end":2462.0452,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05773433670401573},{"word":"the","start":2462.745,"end":2462.905,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08535897731781006},{"word":"balance","start":2462.905,"end":2463.3052,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.07711407542228699},{"word":"of","start":2463.3052,"end":2463.465,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07359947264194489},{"word":"the","start":2463.465,"end":2463.625,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09847019612789154},{"word":"superannuation","start":2463.625,"end":2464.125,"confidence":0.99641925,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.05071140453219414},{"word":"fund","start":2464.425,"end":2464.665,"confidence":0.9663086,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.06630023568868637},{"word":"so","start":2464.665,"end":2464.825,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.20961882174015045},{"word":"in","start":2464.825,"end":2464.985,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2301643937826157},{"word":"a","start":2464.985,"end":2465.25,"confidence":0.9116211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27066537737846375},{"word":"good","start":2465.25,"end":2465.33,"confidence":0.93359375,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.24938029050827024},{"word":"month","start":2465.33,"end":2465.65,"confidence":0.97387695,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.2521449327468872},{"word":"we'd","start":2465.65,"end":2465.73,"confidence":0.9980469,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.30147266387939453},{"word":"get","start":2465.73,"end":2466.13,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.296050488948822},{"word":"paid","start":2466.13,"end":2466.29,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.26761168241500854},{"word":"more","start":2466.29,"end":2466.61,"confidence":0.8232422,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.25349491834640503},{"word":"and","start":2466.61,"end":2466.77,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27192309498786926},{"word":"in","start":2466.77,"end":2467.01,"confidence":0.9970703,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.402654081583023},{"word":"a","start":2467.01,"end":2467.09,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4060555100440979},{"word":"bad","start":2467.09,"end":2467.41,"confidence":1.0,"punctuated_word":"bad","sentiment":"negative","sentiment_score":-0.41576746106147766},{"word":"month","start":2467.41,"end":2467.91,"confidence":0.9890137,"punctuated_word":"month,","sentiment":"negative","sentiment_score":-0.3876040577888489},{"word":"we'd","start":2468.13,"end":2468.37,"confidence":0.9980469,"punctuated_word":"we'd","sentiment":"negative","sentiment_score":-0.4246898889541626},{"word":"get","start":2468.37,"end":2468.53,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.395837128162384},{"word":"paid","start":2468.53,"end":2468.77,"confidence":1.0,"punctuated_word":"paid","sentiment":"negative","sentiment_score":-0.39439576864242554},{"word":"less","start":2468.77,"end":2469.27,"confidence":0.9980469,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.31046587228775024},{"word":"we","start":2470.45,"end":2470.69,"confidence":0.8125,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.5106455683708191},{"word":"don't","start":2470.69,"end":2470.93,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5573728084564209},{"word":"think","start":2470.93,"end":2471.25,"confidence":1.0,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.6451526880264282},{"word":"that","start":2471.25,"end":2471.49,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5487202405929565},{"word":"that's","start":2471.49,"end":2471.99,"confidence":0.99072266,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.5774160623550415},{"word":"fair","start":2472.29,"end":2472.53,"confidence":0.9819336,"punctuated_word":"fair","sentiment":"negative","sentiment_score":-0.5295657515525818},{"word":"or","start":2472.53,"end":2472.77,"confidence":0.9980469,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.5771024227142334},{"word":"reasonable","start":2472.77,"end":2473.27,"confidence":1.0,"punctuated_word":"reasonable","sentiment":"negative","sentiment_score":-0.5280377268791199},{"word":"to","start":2473.33,"end":2473.57,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6001182198524475},{"word":"a","start":2473.57,"end":2473.73,"confidence":0.99316406,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6052190065383911},{"word":"client","start":2473.73,"end":2474.21,"confidence":1.0,"punctuated_word":"client","sentiment":"negative","sentiment_score":-0.5735154747962952},{"word":"or","start":2474.21,"end":2474.37,"confidence":0.9863281,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.5198143720626831},{"word":"very","start":2474.37,"end":2474.77,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.5337775945663452},{"word":"transparent","start":2474.77,"end":2475.27,"confidence":0.94677734,"punctuated_word":"transparent.","sentiment":"neutral","sentiment_score":-0.15312257409095764},{"word":"so","start":2475.89,"end":2476.21,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05719032138586044},{"word":"what","start":2476.21,"end":2476.45,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05828236788511276},{"word":"we've","start":2476.45,"end":2476.69,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07975797355175018},{"word":"done","start":2476.69,"end":2477.01,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.10990326851606368},{"word":"is","start":2477.01,"end":2477.445,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06852162629365921},{"word":"we're","start":2477.605,"end":2477.845,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09794090688228609},{"word":"working","start":2477.845,"end":2478.325,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.13118276000022888},{"word":"through","start":2478.325,"end":2478.825,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09730678051710127},{"word":"fixing","start":2479.125,"end":2479.605,"confidence":0.9980469,"punctuated_word":"fixing","sentiment":"neutral","sentiment_score":0.07459747046232224},{"word":"client","start":2479.605,"end":2480.085,"confidence":0.9951172,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.02670668065547943},{"word":"fees","start":2480.085,"end":2480.585,"confidence":0.9550781,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.062075499445199966},{"word":"at","start":2481.605,"end":2481.845,"confidence":0.75927734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06719983369112015},{"word":"the","start":2481.845,"end":2482.0051,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06029810383915901},{"word":"present","start":2482.0051,"end":2482.405,"confidence":1.0,"punctuated_word":"present","sentiment":"neutral","sentiment_score":0.058010853826999664},{"word":"moment","start":2482.405,"end":2482.905,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.11092629283666612},{"word":"to","start":2483.205,"end":2483.365,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.053376659750938416},{"word":"provide","start":2483.365,"end":2483.865,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.09715360403060912},{"word":"transparency","start":2483.925,"end":2484.425,"confidence":1.0,"punctuated_word":"transparency","sentiment":"neutral","sentiment_score":0.09770236909389496},{"word":"and","start":2484.8052,"end":2485.0452,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17897452414035797},{"word":"consistency","start":2485.0452,"end":2485.5452,"confidence":1.0,"punctuated_word":"consistency","sentiment":"neutral","sentiment_score":0.14441967010498047},{"word":"in","start":2486.0051,"end":2486.245,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13690972328186035},{"word":"the","start":2486.245,"end":2486.485,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1348222941160202},{"word":"in","start":2487.205,"end":2487.445,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11773796379566193},{"word":"knowing","start":2487.445,"end":2487.925,"confidence":1.0,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":0.15911078453063965},{"word":"what","start":2487.925,"end":2488.165,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10594339668750764},{"word":"you're","start":2488.165,"end":2488.405,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09853246062994005},{"word":"being","start":2488.405,"end":2488.8052,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.10849666595458984},{"word":"charged","start":2488.8052,"end":2489.3052,"confidence":0.9995117,"punctuated_word":"charged.","sentiment":"neutral","sentiment_score":0.07691459357738495},{"word":"so","start":2489.94,"end":2490.26,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0705118477344513},{"word":"just","start":2490.26,"end":2490.5798,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06106942147016525},{"word":"because","start":2490.5798,"end":2490.82,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06508384644985199},{"word":"a","start":2490.82,"end":2490.98,"confidence":0.8852539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19438642263412476},{"word":"portfolio","start":2490.98,"end":2491.48,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1058308333158493},{"word":"performs","start":2491.8599,"end":2492.3599,"confidence":0.99121094,"punctuated_word":"performs","sentiment":"neutral","sentiment_score":0.25853174924850464},{"word":"well","start":2492.42,"end":2492.9,"confidence":0.99658203,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2068327963352203},{"word":"that","start":2492.9,"end":2493.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05165211856365204},{"word":"doesn't","start":2493.14,"end":2493.46,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.048621587455272675},{"word":"mean","start":2493.46,"end":2493.7,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.023527346551418304},{"word":"that","start":2493.7,"end":2493.8599,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03009286522865295},{"word":"we","start":2493.8599,"end":2493.94,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.026978418231010437},{"word":"should","start":2493.94,"end":2494.18,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.01865196228027344},{"word":"be","start":2494.18,"end":2494.26,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.028580881655216217},{"word":"paid","start":2494.26,"end":2494.5798,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.02385485917329788},{"word":"more","start":2494.5798,"end":2495.0798,"confidence":0.9951172,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.04175786301493645},{"word":"it's","start":2495.7,"end":2496.0999,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08960293978452682},{"word":"just","start":2496.0999,"end":2496.5999,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07512279599905014},{"word":"so","start":2497.14,"end":2497.38,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07457028329372406},{"word":"we've","start":2497.38,"end":2497.6199,"confidence":0.9970703,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.10860849916934968},{"word":"changed","start":2497.6199,"end":2498.02,"confidence":0.9980469,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.1189175397157669},{"word":"the","start":2498.02,"end":2498.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05757114663720131},{"word":"fee","start":2498.26,"end":2498.5,"confidence":0.9741211,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06669873744249344},{"word":"structure","start":2498.5,"end":2499.0,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.04828093945980072},{"word":"to","start":2499.06,"end":2499.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07591438293457031},{"word":"reflect","start":2500.5,"end":2500.9,"confidence":0.89208984,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.06973155587911606},{"word":"the","start":2500.9,"end":2501.06,"confidence":0.57666016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054313525557518005},{"word":"fixed","start":2501.06,"end":2501.46,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.0600462444126606},{"word":"fee","start":2501.46,"end":2501.78,"confidence":0.7595215,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.0663798451423645},{"word":"so","start":2501.78,"end":2501.94,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08175826072692871},{"word":"you'll","start":2501.94,"end":2502.18,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09895072877407074},{"word":"see","start":2502.18,"end":2502.42,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09347571432590485},{"word":"on","start":2502.42,"end":2502.5798,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07661981880664825},{"word":"that","start":2502.5798,"end":2502.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09185146540403366},{"word":"document","start":2502.74,"end":2503.24,"confidence":0.7487793,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.07474254816770554},{"word":"the","start":2503.8599,"end":2504.0999,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06315556168556213},{"word":"annual","start":2504.0999,"end":2504.5798,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.06053903698921203},{"word":"fee","start":2504.5798,"end":2505.0798,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06221601366996765},{"word":"is","start":2505.22,"end":2505.585,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03688444569706917},{"word":"$3,362.73","start":2505.665,"end":2509.265,"confidence":0.9962891,"punctuated_word":"$3,362.73","sentiment":"neutral","sentiment_score":0.05246412754058838},{"word":"per","start":2509.265,"end":2509.585,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.058170098811388016},{"word":"annum","start":2509.585,"end":2510.085,"confidence":0.9847005,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.051278404891490936},{"word":"that's","start":2510.4648,"end":2510.785,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0503634512424469},{"word":"then","start":2510.785,"end":2511.285,"confidence":0.984375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05362951382994652},{"word":"broken","start":2511.425,"end":2511.905,"confidence":1.0,"punctuated_word":"broken","sentiment":"neutral","sentiment_score":0.061003126204013824},{"word":"down","start":2511.905,"end":2512.305,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05775044858455658},{"word":"and","start":2512.305,"end":2512.625,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04657180607318878},{"word":"divided","start":2512.625,"end":2513.105,"confidence":1.0,"punctuated_word":"divided","sentiment":"neutral","sentiment_score":0.05329303070902824},{"word":"by","start":2513.105,"end":2513.345,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04152248799800873},{"word":"12","start":2513.345,"end":2513.7449,"confidence":1.0,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.04147547855973244},{"word":"and","start":2513.7449,"end":2514.065,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04067903384566307},{"word":"deducted","start":2514.065,"end":2514.545,"confidence":0.9980469,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.06418398022651672},{"word":"monthly","start":2514.545,"end":2515.025,"confidence":0.99902344,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.06698411703109741},{"word":"from","start":2515.025,"end":2515.265,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05843227729201317},{"word":"your","start":2515.265,"end":2515.505,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04891297221183777},{"word":"super","start":2515.505,"end":2515.825,"confidence":0.8701172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08172579109668732},{"word":"fund","start":2515.825,"end":2516.145,"confidence":0.9296875,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.06451839953660965},{"word":"which","start":2516.145,"end":2516.385,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07378131151199341},{"word":"equates","start":2516.385,"end":2516.865,"confidence":1.0,"punctuated_word":"equates","sentiment":"neutral","sentiment_score":0.056181855499744415},{"word":"to","start":2516.865,"end":2517.365,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0460224524140358},{"word":"approximately","start":2517.585,"end":2518.085,"confidence":0.99316406,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":0.03698757290840149},{"word":"$280.23","start":2518.8699,"end":2521.19,"confidence":0.998291,"punctuated_word":"$280.23","sentiment":"neutral","sentiment_score":0.04734274744987488},{"word":"per","start":2521.19,"end":2521.51,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03402163088321686},{"word":"month","start":2521.51,"end":2522.01,"confidence":0.9995117,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.03229372948408127},{"word":"now","start":2523.03,"end":2523.53,"confidence":0.9892578,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06987635046243668},{"word":"what","start":2523.91,"end":2524.23,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07281793653964996},{"word":"that","start":2524.23,"end":2524.47,"confidence":0.9770508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07199523597955704},{"word":"covers","start":2524.47,"end":2524.97,"confidence":0.9970703,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.0671859085559845},{"word":"is","start":2525.1099,"end":2525.5898,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08172933757305145},{"word":"your","start":2525.5898,"end":2525.99,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08605915307998657},{"word":"ongoing","start":2525.99,"end":2526.49,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10077229887247086},{"word":"reviews","start":2526.55,"end":2527.05,"confidence":0.9980469,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.05320936441421509},{"word":"with","start":2527.1099,"end":2527.43,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09205731749534608},{"word":"us","start":2527.43,"end":2527.93,"confidence":0.8444824,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.07960924506187439},{"word":"for","start":2529.03,"end":2529.27,"confidence":0.7729492,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.049014560878276825},{"word":"example","start":2529.27,"end":2529.67,"confidence":0.99902344,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.05942050367593765},{"word":"the","start":2529.67,"end":2530.07,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08440352976322174},{"word":"the","start":2530.07,"end":2530.39,"confidence":0.9243164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08443841338157654},{"word":"time","start":2530.39,"end":2530.8699,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08839757740497589},{"word":"and","start":2530.8699,"end":2531.1099,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08254216611385345},{"word":"the","start":2531.1099,"end":2531.3499,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07316839694976807},{"word":"changes","start":2531.3499,"end":2531.3855,"confidence":0.9951172,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06444705277681351},{"word":"that","start":2531.3855,"end":2531.421,"confidence":0.96435547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0663977861404419},{"word":"i'm","start":2531.421,"end":2531.4565,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06041429564356804},{"word":"gonna","start":2531.4565,"end":2531.4922,"confidence":0.9790039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08013778924942017},{"word":"research","start":2531.4922,"end":2531.5276,"confidence":0.9506836,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.06962402164936066},{"word":"and","start":2531.5276,"end":2531.5632,"confidence":0.83251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07169473171234131},{"word":"investigate","start":2531.5632,"end":2531.5989,"confidence":0.5107422,"punctuated_word":"investigate","sentiment":"neutral","sentiment_score":0.06761142611503601},{"word":"to","start":2531.5989,"end":2531.6343,"confidence":0.67822266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08175092935562134},{"word":"update","start":2531.6343,"end":2531.67,"confidence":0.6538086,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09103084355592728},{"word":"your","start":2531.67,"end":2531.92,"confidence":0.76171875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08023752272129059},{"word":"portfolio","start":2531.92,"end":2532.42,"confidence":0.84716797,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.05542876943945885},{"word":"investigate","start":2534.845,"end":2535.345,"confidence":0.8925781,"punctuated_word":"Investigate","sentiment":"neutral","sentiment_score":0.0906854122877121},{"word":"to","start":2535.645,"end":2535.885,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08525347709655762},{"word":"update","start":2535.885,"end":2536.385,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10893204063177107},{"word":"your","start":2536.445,"end":2536.685,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1070430427789688},{"word":"portfolio","start":2536.685,"end":2537.185,"confidence":0.967041,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.06808788329362869},{"word":"you're","start":2538.685,"end":2539.0051,"confidence":0.8708496,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.08742755651473999},{"word":"not","start":2539.0051,"end":2539.245,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06626446545124054},{"word":"also","start":2539.245,"end":2539.565,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05520380288362503},{"word":"limited","start":2539.565,"end":2540.065,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.0350499153137207},{"word":"to","start":2540.125,"end":2540.2852,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06955339014530182},{"word":"just","start":2540.2852,"end":2540.5251,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04565129429101944},{"word":"one","start":2540.5251,"end":2540.845,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.044127464294433594},{"word":"review","start":2540.845,"end":2541.245,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.027148492634296417},{"word":"per","start":2541.245,"end":2541.565,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.0505642294883728},{"word":"year","start":2541.565,"end":2542.065,"confidence":0.98583984,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0747092068195343},{"word":"if","start":2542.365,"end":2542.605,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.123501218855381},{"word":"you","start":2542.605,"end":2542.7651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0918128341436386},{"word":"like","start":2543.0051,"end":2543.165,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13243545591831207},{"word":"i","start":2543.165,"end":2543.325,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13540348410606384},{"word":"mentioned","start":2543.325,"end":2543.8052,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.13351570069789886},{"word":"earlier","start":2543.8052,"end":2544.205,"confidence":0.9970703,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":0.1470525860786438},{"word":"if","start":2544.205,"end":2544.365,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14048710465431213},{"word":"you","start":2544.365,"end":2544.865,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08437687158584595},{"word":"if","start":2545.605,"end":2546.105,"confidence":0.8461914,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10626299679279327},{"word":"you","start":2546.845,"end":2547.0051,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11203642189502716},{"word":"need","start":2547.0051,"end":2547.5051,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09838900715112686},{"word":"to","start":2547.565,"end":2547.8052,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0906829833984375},{"word":"reach","start":2547.8052,"end":2548.125,"confidence":1.0,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.090600848197937},{"word":"out","start":2548.125,"end":2548.365,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0969281643629074},{"word":"for","start":2548.365,"end":2548.605,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09503504633903503},{"word":"anything","start":2548.605,"end":2549.105,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12324420362710951},{"word":"in","start":2550.57,"end":2550.81,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08827731013298035},{"word":"relation","start":2550.81,"end":2551.2102,"confidence":0.99902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.09769534319639206},{"word":"to","start":2551.2102,"end":2551.37,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11761096864938736},{"word":"seeking","start":2551.37,"end":2551.85,"confidence":0.9970703,"punctuated_word":"seeking","sentiment":"neutral","sentiment_score":0.101150780916214},{"word":"advice","start":2551.85,"end":2552.25,"confidence":0.98461914,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.11700890958309174},{"word":"you","start":2552.25,"end":2552.4902,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13378652930259705},{"word":"just","start":2552.4902,"end":2552.81,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12450972199440002},{"word":"pick","start":2552.81,"end":2553.05,"confidence":0.99902344,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.11517006158828735},{"word":"up","start":2553.05,"end":2553.1301,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11243629455566406},{"word":"the","start":2553.1301,"end":2553.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1327190101146698},{"word":"phone","start":2553.29,"end":2553.61,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.09877659380435944},{"word":"and","start":2553.61,"end":2553.77,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10995277762413024},{"word":"do","start":2553.77,"end":2554.01,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12007887661457062},{"word":"so","start":2554.01,"end":2554.51,"confidence":0.8652344,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.11051452159881592},{"word":"and","start":2555.37,"end":2555.6902,"confidence":0.86572266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11843135952949524},{"word":"that","start":2555.6902,"end":2556.01,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12502291798591614},{"word":"and","start":2556.1702,"end":2556.4102,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12005050480365752},{"word":"that's","start":2556.4102,"end":2556.8901,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11366219818592072},{"word":"your","start":2556.9702,"end":2557.29,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1283748894929886},{"word":"your","start":2557.29,"end":2557.61,"confidence":0.9658203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12861891090869904},{"word":"fee","start":2557.61,"end":2558.11,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.15583625435829165},{"word":"is","start":2558.25,"end":2558.7302,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14420795440673828},{"word":"for","start":2558.7302,"end":2559.05,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14269207417964935},{"word":"that","start":2559.05,"end":2559.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13972076773643494},{"word":"service","start":2559.37,"end":2559.87,"confidence":0.7459717,"punctuated_word":"service,","sentiment":"neutral","sentiment_score":0.11456999182701112},{"word":"for","start":2559.9302,"end":2560.1702,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11332546174526216},{"word":"us","start":2560.1702,"end":2560.4102,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.08501211553812027},{"word":"to","start":2560.4102,"end":2560.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1035207211971283},{"word":"be","start":2560.57,"end":2560.7302,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08719741553068161},{"word":"available","start":2560.7302,"end":2561.2302,"confidence":1.0,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.08993971347808838},{"word":"for","start":2561.37,"end":2561.61,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18402984738349917},{"word":"you","start":2561.61,"end":2561.77,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24519993364810944},{"word":"to","start":2562.09,"end":2562.33,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2389747053384781},{"word":"you","start":2562.33,"end":2562.83,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23073843121528623},{"word":"so","start":2564.685,"end":2565.0852,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16904431581497192},{"word":"any","start":2565.0852,"end":2565.5852,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17400053143501282},{"word":"any","start":2565.645,"end":2565.965,"confidence":0.98828125,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16430018842220306},{"word":"questions","start":2565.965,"end":2566.465,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.152863010764122},{"word":"about","start":2566.5251,"end":2566.7651,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09758739173412324},{"word":"any","start":2566.7651,"end":2567.0051,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09578052908182144},{"word":"of","start":2567.0051,"end":2567.165,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07659362256526947},{"word":"those","start":2567.165,"end":2567.485,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0865912139415741},{"word":"documents","start":2567.485,"end":2567.985,"confidence":0.99902344,"punctuated_word":"documents?","sentiment":"neutral","sentiment_score":0.09701792150735856},{"word":"no","start":2570.2852,"end":2570.7852,"confidence":0.64208984,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.030816761776804924},{"word":"oh","start":2573.965,"end":2574.205,"confidence":0.9807129,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.24322409927845},{"word":"thank","start":2574.205,"end":2574.445,"confidence":0.99902344,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.3423418700695038},{"word":"you","start":2574.445,"end":2574.945,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.26633742451667786},{"word":"so","start":2575.0852,"end":2575.5652,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13240119814872742},{"word":"i'm","start":2575.5652,"end":2575.8052,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1466943919658661},{"word":"my","start":2576.2852,"end":2576.6052,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13342885673046112},{"word":"action","start":2576.6052,"end":2576.925,"confidence":1.0,"punctuated_word":"action","sentiment":"neutral","sentiment_score":0.15169142186641693},{"word":"items","start":2576.925,"end":2577.3252,"confidence":0.9941406,"punctuated_word":"items","sentiment":"neutral","sentiment_score":0.11998621374368668},{"word":"from","start":2577.3252,"end":2577.5652,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14157193899154663},{"word":"here","start":2577.5652,"end":2577.8052,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.13807672262191772},{"word":"is","start":2577.8052,"end":2578.125,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13573326170444489},{"word":"i'm","start":2578.125,"end":2578.2852,"confidence":0.9885254,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12495030462741852},{"word":"gonna","start":2578.2852,"end":2578.5251,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13269302248954773},{"word":"get","start":2578.5251,"end":2578.74,"confidence":0.95947266,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12043893337249756},{"word":"some","start":2578.82,"end":2578.98,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08120185136795044},{"word":"forms","start":2578.98,"end":2579.46,"confidence":0.9980469,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.11541663855314256},{"word":"issued","start":2579.46,"end":2579.7,"confidence":0.99902344,"punctuated_word":"issued","sentiment":"neutral","sentiment_score":0.12960191071033478},{"word":"to","start":2579.7,"end":2579.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1289859116077423},{"word":"you","start":2579.86,"end":2580.18,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1212555319070816},{"word":"to","start":2580.18,"end":2580.58,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09603222459554672},{"word":"change","start":2580.58,"end":2580.82,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.09983226656913756},{"word":"your","start":2580.82,"end":2581.06,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08785677701234818},{"word":"beneficiary","start":2581.06,"end":2581.56,"confidence":1.0,"punctuated_word":"beneficiary.","sentiment":"neutral","sentiment_score":0.0924978330731392},{"word":"do","start":2582.18,"end":2582.42,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03128949925303459},{"word":"you","start":2582.42,"end":2582.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04158174619078636},{"word":"have","start":2582.5,"end":2582.82,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03480464965105057},{"word":"access","start":2582.82,"end":2583.3,"confidence":0.9970703,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.025020401924848557},{"word":"to","start":2583.3,"end":2583.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040081724524497986},{"word":"a","start":2583.46,"end":2583.78,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02872510440647602},{"word":"printer","start":2583.78,"end":2584.28,"confidence":0.9057617,"punctuated_word":"printer,","sentiment":"neutral","sentiment_score":0.02092371322214603},{"word":"or","start":2584.34,"end":2584.5,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02178790420293808},{"word":"would","start":2584.5,"end":2584.74,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.025105418637394905},{"word":"you","start":2584.74,"end":2584.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033373840153217316},{"word":"like","start":2584.82,"end":2584.98,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02834220975637436},{"word":"me","start":2584.98,"end":2585.14,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04501836746931076},{"word":"to","start":2585.14,"end":2585.3,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04542883113026619},{"word":"post","start":2585.3,"end":2585.6199,"confidence":1.0,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.04853464663028717},{"word":"them","start":2585.6199,"end":2586.1199,"confidence":1.0,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":0.03107132762670517},{"word":"okay","start":2589.06,"end":2589.54,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09800009429454803},{"word":"alright","start":2589.54,"end":2589.94,"confidence":0.9995117,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.15259838104248047},{"word":"well","start":2589.94,"end":2590.18,"confidence":0.970459,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.17346113920211792},{"word":"i'll","start":2590.18,"end":2590.34,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21475163102149963},{"word":"get","start":2590.34,"end":2590.58,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2363346517086029},{"word":"those","start":2590.58,"end":2590.755,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2554304897785187},{"word":"emailed","start":2591.1548,"end":2591.6348,"confidence":0.9951172,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.2215423434972763},{"word":"out","start":2591.6348,"end":2591.9548,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.26170817017555237},{"word":"to","start":2591.9548,"end":2592.115,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23870310187339783},{"word":"you","start":2592.115,"end":2592.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24254608154296875},{"word":"along","start":2592.515,"end":2592.9148,"confidence":0.9863281,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.2157813459634781},{"word":"with","start":2592.9148,"end":2593.4148,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2536001205444336},{"word":"the","start":2594.115,"end":2594.355,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23894748091697693},{"word":"estate","start":2594.355,"end":2594.755,"confidence":0.9863281,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.25575771927833557},{"word":"planning","start":2594.755,"end":2595.2349,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.24959030747413635},{"word":"brochure","start":2595.2349,"end":2595.7349,"confidence":1.0,"punctuated_word":"brochure","sentiment":"neutral","sentiment_score":0.27442285418510437},{"word":"for","start":2595.795,"end":2596.035,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28889361023902893},{"word":"you","start":2596.035,"end":2596.1948,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26213663816452026},{"word":"and","start":2596.1948,"end":2596.4348,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25239819288253784},{"word":"tim","start":2596.4348,"end":2596.755,"confidence":0.7475586,"punctuated_word":"Tim","sentiment":"neutral","sentiment_score":0.2547089755535126},{"word":"to","start":2596.755,"end":2596.835,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.246628075838089},{"word":"have","start":2596.835,"end":2596.9949,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24890761077404025},{"word":"a","start":2596.9949,"end":2597.075,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2267051339149475},{"word":"look","start":2597.075,"end":2597.3948,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1687435805797577},{"word":"at","start":2597.3948,"end":2597.8948,"confidence":0.99853516,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.1846536099910736},{"word":"with","start":2600.9949,"end":2601.2349,"confidence":0.6699219,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.17710620164871216},{"word":"your","start":2601.2349,"end":2601.555,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17140363156795502},{"word":"review","start":2601.555,"end":2602.035,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12890994548797607},{"word":"frequency","start":2602.035,"end":2602.535,"confidence":1.0,"punctuated_word":"frequency,","sentiment":"neutral","sentiment_score":0.1703927218914032},{"word":"are","start":2602.6748,"end":2602.835,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1348075270652771},{"word":"you","start":2602.835,"end":2602.9949,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1790640503168106},{"word":"happy","start":2602.9949,"end":2603.2349,"confidence":0.9970703,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.14352616667747498},{"word":"to","start":2603.2349,"end":2603.49,"confidence":0.7763672,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13021615147590637},{"word":"keep","start":2603.49,"end":2603.73,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11137761175632475},{"word":"that","start":2603.73,"end":2603.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14589333534240723},{"word":"as","start":2603.97,"end":2604.05,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08108992129564285},{"word":"an","start":2604.05,"end":2604.45,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10593224316835403},{"word":"annual","start":2604.45,"end":2604.95,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.12316372990608215},{"word":"review","start":2605.01,"end":2605.51,"confidence":1.0,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.08672363311052322},{"word":"yeah","start":2608.93,"end":2609.43,"confidence":0.9824219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14064237475395203},{"word":"okay","start":2610.05,"end":2610.55,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14210659265518188},{"word":"and","start":2611.09,"end":2611.41,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1453315019607544},{"word":"the","start":2611.41,"end":2611.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12978678941726685},{"word":"only","start":2611.89,"end":2612.21,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.09415808320045473},{"word":"other","start":2612.21,"end":2612.53,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.11623957753181458},{"word":"option","start":2612.53,"end":2612.93,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.0877496600151062},{"word":"that","start":2612.93,"end":2613.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1394481062889099},{"word":"i","start":2613.17,"end":2613.49,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12746696174144745},{"word":"did","start":2613.49,"end":2613.81,"confidence":0.99316406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11784519255161284},{"word":"have","start":2613.81,"end":2614.05,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15196114778518677},{"word":"here","start":2614.05,"end":2614.29,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.14943109452724457},{"word":"to","start":2614.29,"end":2614.45,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1230473816394806},{"word":"talk","start":2614.45,"end":2614.69,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.13568179309368134},{"word":"to","start":2614.69,"end":2614.85,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.146153062582016},{"word":"you","start":2614.85,"end":2614.93,"confidence":0.9291992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15092208981513977},{"word":"about","start":2614.93,"end":2615.33,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1126369833946228},{"word":"from","start":2615.33,"end":2615.49,"confidence":0.9921875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12527766823768616},{"word":"a","start":2615.49,"end":2615.73,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12879616022109985},{"word":"conversation","start":2615.73,"end":2616.23,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.14776857197284698},{"word":"with","start":2616.3699,"end":2616.61,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1676383912563324},{"word":"veronica","start":2616.61,"end":2617.11,"confidence":0.9980469,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.13829262554645538},{"word":"is","start":2617.845,"end":2618.085,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1364363580942154},{"word":"that","start":2618.085,"end":2618.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1450011432170868},{"word":"you","start":2618.325,"end":2618.565,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14375180006027222},{"word":"she","start":2618.805,"end":2619.125,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.13177838921546936},{"word":"did","start":2619.125,"end":2619.365,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.10895147919654846},{"word":"mention","start":2619.365,"end":2619.765,"confidence":0.9951172,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.11540387570858002},{"word":"that","start":2619.765,"end":2620.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12544918060302734},{"word":"you","start":2620.165,"end":2620.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1104326993227005},{"word":"looked","start":2620.725,"end":2621.205,"confidence":0.9941406,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.10278353095054626},{"word":"at","start":2621.205,"end":2621.705,"confidence":0.75878906,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.09129991382360458},{"word":"smas","start":2622.565,"end":2623.065,"confidence":0.92578125,"punctuated_word":"SMAs.","sentiment":"neutral","sentiment_score":0.09122544527053832},{"word":"so","start":2623.205,"end":2623.365,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12548714876174927},{"word":"that's","start":2623.365,"end":2623.605,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1161682829260826},{"word":"a","start":2623.605,"end":2623.765,"confidence":0.85498047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10233300924301147},{"word":"type","start":2623.765,"end":2624.085,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.08699304610490799},{"word":"of","start":2624.085,"end":2624.325,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1028573289513588},{"word":"investment","start":2624.325,"end":2624.805,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07515255361795425},{"word":"option","start":2624.805,"end":2625.285,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.083637535572052},{"word":"held","start":2625.285,"end":2625.525,"confidence":1.0,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.11303627490997314},{"word":"in","start":2625.525,"end":2625.845,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09141291677951811},{"word":"superannuation","start":2625.845,"end":2626.345,"confidence":0.9432373,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.11947264522314072},{"word":"where","start":2628.405,"end":2628.905,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.058288805186748505},{"word":"the","start":2629.765,"end":2630.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0939737930893898},{"word":"portfolio","start":2630.005,"end":2630.505,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.041664157062768936},{"word":"is","start":2631.205,"end":2631.705,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08568067103624344},{"word":"invested","start":2633.3901,"end":2633.8901,"confidence":0.90722656,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.09820981323719025},{"word":"but","start":2634.51,"end":2634.9102,"confidence":0.96240234,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08872729539871216},{"word":"changes","start":2634.9102,"end":2635.4102,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.10382931679487228},{"word":"are","start":2635.7102,"end":2635.87,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08049305528402328},{"word":"done","start":2635.87,"end":2636.1902,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.0901547372341156},{"word":"in","start":2636.1902,"end":2636.35,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06866225600242615},{"word":"the","start":2636.35,"end":2636.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0714210569858551},{"word":"background","start":2636.59,"end":2637.09,"confidence":0.99902344,"punctuated_word":"background","sentiment":"neutral","sentiment_score":0.09518250077962875},{"word":"by","start":2637.7102,"end":2638.11,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08930085599422455},{"word":"the","start":2638.11,"end":2638.27,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08360974490642548},{"word":"investment","start":2638.27,"end":2638.77,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05780180171132088},{"word":"committee","start":2638.9102,"end":2639.4102,"confidence":1.0,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.12944376468658447},{"word":"with","start":2639.4702,"end":2639.9702,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09676945954561234},{"word":"when","start":2641.7102,"end":2641.9502,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07429317384958267},{"word":"chain","start":2641.9502,"end":2642.27,"confidence":0.8769531,"punctuated_word":"chain","sentiment":"neutral","sentiment_score":0.0551600456237793},{"word":"when","start":2642.4302,"end":2642.6702,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.048681315034627914},{"word":"changes","start":2642.6702,"end":2643.1501,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.04532604664564133},{"word":"need","start":2643.1501,"end":2643.3901,"confidence":0.9838867,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03872301056981087},{"word":"to","start":2643.3901,"end":2643.55,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06147515028715134},{"word":"be","start":2643.55,"end":2643.7102,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05785514414310455},{"word":"made","start":2643.7102,"end":2644.2102,"confidence":0.9831543,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":0.046196602284908295},{"word":"smas","start":2644.59,"end":2645.09,"confidence":0.94018555,"punctuated_word":"SMAs","sentiment":"neutral","sentiment_score":0.2480333298444748},{"word":"can","start":2645.2302,"end":2645.4702,"confidence":0.9873047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30852121114730835},{"word":"i","start":2645.79,"end":2645.9502,"confidence":0.9951172,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.48959675431251526},{"word":"can","start":2645.9502,"end":2646.1902,"confidence":0.9892578,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4044323861598969},{"word":"definitely","start":2646.1902,"end":2646.6902,"confidence":0.9951172,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4535847008228302},{"word":"look","start":2646.75,"end":2646.774,"confidence":0.94140625,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.508097767829895},{"word":"at","start":2646.774,"end":2646.798,"confidence":0.93408203,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.481412410736084},{"word":"the","start":2646.798,"end":2646.822,"confidence":0.9248047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4414764642715454},{"word":"sma","start":2646.822,"end":2646.846,"confidence":0.8779297,"punctuated_word":"SMA","sentiment":"positive","sentiment_score":0.33707815408706665},{"word":"option","start":2646.846,"end":2646.87,"confidence":0.90771484,"punctuated_word":"option","sentiment":"positive","sentiment_score":0.4356354773044586},{"word":"for","start":2646.87,"end":2646.894,"confidence":0.5151367,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5158861875534058},{"word":"you","start":2646.894,"end":2646.918,"confidence":0.82470703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4067035913467407},{"word":"and","start":2646.918,"end":2646.942,"confidence":0.6879883,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3087742030620575},{"word":"compare","start":2646.942,"end":2646.966,"confidence":0.7949219,"punctuated_word":"compare","sentiment":"positive","sentiment_score":0.3467116951942444},{"word":"that","start":2646.966,"end":2646.99,"confidence":0.56933594,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.41460907459259033},{"word":"against","start":2646.99,"end":2647.24,"confidence":0.6748047,"punctuated_word":"against","sentiment":"positive","sentiment_score":0.34239012002944946},{"word":"the","start":2647.24,"end":2647.74,"confidence":0.7114258,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3974098861217499},{"word":"cost","start":2648.085,"end":2648.585,"confidence":0.6220703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2885366976261139},{"word":"of","start":2650.565,"end":2651.065,"confidence":0.8647461,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2909553050994873},{"word":"your","start":2651.285,"end":2651.325,"confidence":0.82666016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31752949953079224},{"word":"current","start":2651.325,"end":2651.365,"confidence":0.6923828,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.2493424266576767},{"word":"portfolio","start":2651.365,"end":2651.865,"confidence":0.7133789,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.21280749142169952},{"word":"and","start":2652.2852,"end":2652.7852,"confidence":0.8364258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27031007409095764},{"word":"make","start":2653.205,"end":2653.365,"confidence":0.90234375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.31714412569999695},{"word":"a","start":2653.365,"end":2653.605,"confidence":0.92578125,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39554643630981445},{"word":"recommendation","start":2653.605,"end":2654.005,"confidence":0.6489258,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.29333508014678955},{"word":"based","start":2654.005,"end":2654.405,"confidence":0.96875,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.31394118070602417},{"word":"on","start":2654.405,"end":2654.4849,"confidence":0.8935547,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.351729154586792},{"word":"that","start":2654.4849,"end":2654.9849,"confidence":0.9055176,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.3238108158111572},{"word":"but","start":2656.405,"end":2656.885,"confidence":0.9291992,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18068718910217285},{"word":"what","start":2656.885,"end":2657.365,"confidence":0.5,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2008076608181},{"word":"an","start":2657.365,"end":2657.765,"confidence":0.9135742,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.29726845026016235},{"word":"sma","start":2657.765,"end":2658.2449,"confidence":0.8803711,"punctuated_word":"SMA","sentiment":"neutral","sentiment_score":0.22963407635688785},{"word":"does","start":2658.2449,"end":2658.4849,"confidence":0.6821289,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.22419968247413635},{"word":"is","start":2658.4849,"end":2658.7249,"confidence":0.81152344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2522706985473633},{"word":"it","start":2658.7249,"end":2658.805,"confidence":0.9091797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2572163939476013},{"word":"just","start":2658.805,"end":2659.205,"confidence":0.93359375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2428218424320221},{"word":"it","start":2660.4849,"end":2660.645,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2855353355407715},{"word":"provides","start":2660.645,"end":2660.9648,"confidence":0.9667969,"punctuated_word":"provides","sentiment":"neutral","sentiment_score":0.27171632647514343},{"word":"more","start":2660.9648,"end":2661.445,"confidence":0.9580078,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2715895175933838},{"word":"flexibility","start":2661.445,"end":2661.945,"confidence":0.7338867,"punctuated_word":"flexibility","sentiment":"neutral","sentiment_score":0.2881244122982025},{"word":"for","start":2662.2449,"end":2662.405,"confidence":0.9350586,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3230912387371063},{"word":"quick","start":2662.405,"end":2662.7249,"confidence":0.9116211,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.3110836148262024},{"word":"changes","start":2662.7249,"end":2663.2249,"confidence":0.95410156,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.3080351650714874},{"word":"should","start":2663.4502,"end":2663.61,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.39283955097198486},{"word":"they","start":2663.61,"end":2663.85,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.30934369564056396},{"word":"need","start":2663.85,"end":2663.9702,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.3231935501098633},{"word":"to","start":2663.9702,"end":2664.09,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29866600036621094},{"word":"be","start":2664.09,"end":2664.4102,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28678613901138306},{"word":"made","start":2664.4102,"end":2664.9102,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2635936737060547},{"word":"by","start":2665.2102,"end":2665.53,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.25683319568634033},{"word":"the","start":2665.53,"end":2665.6902,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26784804463386536},{"word":"investment","start":2665.6902,"end":2666.1902,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.20558783411979675},{"word":"committee","start":2666.25,"end":2666.75,"confidence":1.0,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.24933594465255737},{"word":"and","start":2669.29,"end":2669.79,"confidence":0.8120117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24660903215408325},{"word":"the","start":2671.6902,"end":2672.01,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26496851444244385},{"word":"transparency","start":2672.01,"end":2672.51,"confidence":0.9980469,"punctuated_word":"transparency.","sentiment":"neutral","sentiment_score":0.21331904828548431},{"word":"so","start":2672.81,"end":2672.9702,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19748328626155853},{"word":"when","start":2672.9702,"end":2673.1301,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2080717384815216},{"word":"you","start":2673.1301,"end":2673.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22770637273788452},{"word":"log","start":2673.37,"end":2673.53,"confidence":0.9863281,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.18378916382789612},{"word":"in","start":2673.53,"end":2673.85,"confidence":0.9904785,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.17582622170448303},{"word":"for","start":2673.85,"end":2674.09,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11877281963825226},{"word":"example","start":2674.09,"end":2674.59,"confidence":0.99902344,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.1320420652627945},{"word":"in","start":2675.05,"end":2675.2102,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12336252629756927},{"word":"your","start":2675.2102,"end":2675.4502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14424440264701843},{"word":"hub","start":2675.4502,"end":2675.6902,"confidence":0.9404297,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1207563579082489},{"word":"account","start":2675.6902,"end":2676.075,"confidence":0.97631836,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.13335159420967102},{"word":"instead","start":2676.315,"end":2676.555,"confidence":1.0,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.08449966460466385},{"word":"of","start":2676.555,"end":2676.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09784328192472458},{"word":"seeing","start":2676.795,"end":2677.195,"confidence":0.9970703,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.115163654088974},{"word":"those","start":2677.195,"end":2677.695,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1182628571987152},{"word":"listed","start":2677.9949,"end":2678.4949,"confidence":0.99902344,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.12141764163970949},{"word":"investment","start":2678.635,"end":2679.135,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06113599240779877},{"word":"funds","start":2679.355,"end":2679.855,"confidence":0.99609375,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.1058681532740593},{"word":"you","start":2681.275,"end":2681.355,"confidence":0.8120117,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1761669963598251},{"word":"will","start":2681.355,"end":2681.675,"confidence":0.9741211,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.16613508760929108},{"word":"own","start":2681.675,"end":2682.175,"confidence":0.94384766,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.1595279723405838},{"word":"certain","start":2682.315,"end":2682.815,"confidence":0.99902344,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.14363056421279907},{"word":"shares","start":2682.875,"end":2683.375,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1199626326560974},{"word":"within","start":2683.515,"end":2684.015,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.15363267064094543},{"word":"those","start":2684.075,"end":2684.555,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1505778580904007},{"word":"funds","start":2684.555,"end":2685.035,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.11501713842153548},{"word":"that","start":2685.035,"end":2685.355,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15536528825759888},{"word":"will","start":2685.355,"end":2685.515,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13189098238945007},{"word":"be","start":2685.515,"end":2685.835,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1181582733988762},{"word":"applicable","start":2685.835,"end":2686.335,"confidence":0.9980469,"punctuated_word":"applicable","sentiment":"neutral","sentiment_score":0.12891089916229248},{"word":"to","start":2686.4749,"end":2686.635,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1153990998864174},{"word":"you","start":2686.635,"end":2687.135,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12284591794013976},{"word":"within","start":2688.635,"end":2689.035,"confidence":0.95703125,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.011518673039972782},{"word":"your","start":2689.035,"end":2689.275,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.005094587802886963},{"word":"super","start":2689.275,"end":2689.775,"confidence":0.63134766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.023106936365365986},{"word":"annuation","start":2689.8,"end":2690.28,"confidence":0.6278076,"punctuated_word":"annuation","sentiment":"neutral","sentiment_score":0.01731456071138382},{"word":"fund","start":2690.28,"end":2690.78,"confidence":0.93188477,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.010612696409225464},{"word":"property","start":2695.32,"end":2695.82,"confidence":0.80493164,"punctuated_word":"Property?","sentiment":"neutral","sentiment_score":0.026118485257029533},{"word":"let","start":2696.36,"end":2696.86,"confidence":0.6401367,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.041331127285957336},{"word":"let","start":2697.0,"end":2697.5,"confidence":0.80615234,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07355495542287827},{"word":"okay","start":2700.04,"end":2700.54,"confidence":0.99609375,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07492411136627197},{"word":"let","start":2701.08,"end":2701.32,"confidence":0.9970703,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.08116713911294937},{"word":"me","start":2701.32,"end":2701.48,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0821017473936081},{"word":"have","start":2701.48,"end":2701.72,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07944691181182861},{"word":"a","start":2701.72,"end":2701.8,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07509266585111618},{"word":"quick","start":2701.8,"end":2702.28,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.07274094223976135},{"word":"sticky","start":2702.28,"end":2702.76,"confidence":0.8173828,"punctuated_word":"sticky","sentiment":"neutral","sentiment_score":0.05491679534316063},{"word":"beak","start":2702.76,"end":2703.255,"confidence":0.6834717,"punctuated_word":"beak","sentiment":"neutral","sentiment_score":0.04848799109458923},{"word":"this","start":2703.4148,"end":2703.7349,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07521635293960571},{"word":"other","start":2703.7349,"end":2704.2349,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06235714629292488},{"word":"option","start":2715.1748,"end":2715.6748,"confidence":0.9995117,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.05324804037809372},{"word":"yeah","start":2717.4949,"end":2717.7349,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0874432623386383},{"word":"it","start":2717.7349,"end":2717.815,"confidence":0.94140625,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07038240134716034},{"word":"just","start":2717.815,"end":2718.055,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06762213259935379},{"word":"said","start":2718.055,"end":2718.51,"confidence":0.9790039,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.06445520371198654},{"word":"sma","start":2718.59,"end":2718.99,"confidence":0.9124349,"punctuated_word":"SMA,","sentiment":"neutral","sentiment_score":0.090474933385849},{"word":"but","start":2718.99,"end":2719.39,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07470470666885376},{"word":"we","start":2719.39,"end":2719.55,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10552257299423218},{"word":"can","start":2719.55,"end":2719.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14923374354839325},{"word":"definitely","start":2719.79,"end":2720.19,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1950933933258057},{"word":"talk","start":2720.19,"end":2720.35,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.13567785918712616},{"word":"about","start":2720.35,"end":2720.67,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12536297738552094},{"word":"property","start":2720.67,"end":2721.15,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.15737229585647583},{"word":"if","start":2721.15,"end":2721.31,"confidence":0.9291992,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18593943119049072},{"word":"that's","start":2721.31,"end":2721.47,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13919323682785034},{"word":"something","start":2721.47,"end":2721.87,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.12801694869995117},{"word":"that","start":2721.87,"end":2722.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12251187115907668},{"word":"you","start":2723.71,"end":2724.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11542217433452606},{"word":"wanted","start":2724.03,"end":2724.51,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08816270530223846},{"word":"to","start":2724.51,"end":2724.67,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08027330040931702},{"word":"talk","start":2724.67,"end":2724.99,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.07771947979927063},{"word":"about","start":2724.99,"end":2725.49,"confidence":0.89501953,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.06919679790735245},{"word":"be","start":2726.83,"end":2727.15,"confidence":0.5751953,"punctuated_word":"Be","sentiment":"neutral","sentiment_score":-0.03654926642775536},{"word":"be","start":2727.15,"end":2727.65,"confidence":0.47265625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06466856598854065},{"word":"yeah","start":2728.43,"end":2728.93,"confidence":0.9880371,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09636888653039932},{"word":"i","start":2731.725,"end":2731.965,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14361555874347687},{"word":"understand","start":2731.965,"end":2732.465,"confidence":1.0,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.15838168561458588},{"word":"yeah","start":2734.365,"end":2734.7651,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0806182473897934},{"word":"i","start":2734.7651,"end":2734.925,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10005256533622742},{"word":"understand","start":2734.925,"end":2735.425,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.11569641530513763},{"word":"completely","start":2735.645,"end":2736.145,"confidence":0.9970703,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":0.12026114016771317},{"word":"alright","start":2737.405,"end":2737.725,"confidence":0.8359375,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16462647914886477},{"word":"so","start":2737.725,"end":2738.0452,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15218417346477509},{"word":"i'm","start":2738.0452,"end":2738.2852,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1893922388553619},{"word":"gonna","start":2738.2852,"end":2738.6052,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.21114863455295563},{"word":"probably","start":2738.6052,"end":2739.1052,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.21356219053268433},{"word":"reach","start":2739.165,"end":2739.405,"confidence":1.0,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.16435188055038452},{"word":"out","start":2739.405,"end":2739.725,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13245701789855957},{"word":"in","start":2739.725,"end":2740.0452,"confidence":0.7260742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13365203142166138},{"word":"i","start":2740.5251,"end":2740.7651,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20083138346672055},{"word":"can","start":2740.7651,"end":2741.0051,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22521990537643433},{"word":"probably","start":2741.0051,"end":2741.5051,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2565043568611145},{"word":"book","start":2741.5652,"end":2741.725,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.19071097671985623},{"word":"it","start":2741.725,"end":2741.965,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20593973994255063},{"word":"in","start":2741.965,"end":2742.465,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20487722754478457},{"word":"now","start":2742.6052,"end":2742.925,"confidence":0.9921875,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2036384493112564},{"word":"if","start":2742.925,"end":2743.165,"confidence":0.9140625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21925248205661776},{"word":"you","start":2743.165,"end":2743.3252,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16847972571849823},{"word":"have","start":2743.3252,"end":2743.8252,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14168895781040192},{"word":"time","start":2743.885,"end":2744.385,"confidence":0.98291016,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15204720199108124},{"word":"for","start":2744.98,"end":2745.3,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1085181087255478},{"word":"about","start":2745.3,"end":2745.54,"confidence":0.95166016,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10783049464225768},{"word":"two","start":2745.54,"end":2745.7,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11989077925682068},{"word":"weeks'","start":2745.7,"end":2746.1802,"confidence":0.8017578,"punctuated_word":"weeks'","sentiment":"neutral","sentiment_score":0.12586992979049683},{"word":"time","start":2746.1802,"end":2746.4202,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.16353264451026917},{"word":"so","start":2746.4202,"end":2746.6602,"confidence":0.84472656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15574495494365692},{"word":"i","start":2746.6602,"end":2746.82,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17978407442569733},{"word":"can","start":2746.82,"end":2747.06,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20112916827201843},{"word":"just","start":2747.06,"end":2747.46,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2114083468914032},{"word":"present","start":2747.46,"end":2747.86,"confidence":1.0,"punctuated_word":"present","sentiment":"neutral","sentiment_score":0.1841576248407364},{"word":"the","start":2747.86,"end":2748.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21642227470874784},{"word":"changes","start":2748.1,"end":2748.58,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.211700975894928},{"word":"to","start":2748.58,"end":2748.82,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19053590297698977},{"word":"you","start":2748.82,"end":2749.06,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1993865966796875},{"word":"to","start":2749.06,"end":2749.22,"confidence":0.9135742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19631242752075195},{"word":"make","start":2749.22,"end":2749.46,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18707099556922913},{"word":"to","start":2749.46,"end":2749.62,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20542126893997192},{"word":"that","start":2749.62,"end":2749.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1983664482831955},{"word":"superannuation","start":2749.86,"end":2750.36,"confidence":0.9970703,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.13438302278518677},{"word":"fund","start":2750.74,"end":2750.98,"confidence":0.9951172,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.0995177924633026},{"word":"would","start":2750.98,"end":2751.22,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.13476629555225372},{"word":"that","start":2751.22,"end":2751.3801,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15409404039382937},{"word":"be","start":2751.3801,"end":2751.62,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1136638969182968},{"word":"okay","start":2751.62,"end":2752.12,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.09089339524507524},{"word":"yeah","start":2763.845,"end":2764.245,"confidence":0.9309082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06126900017261505},{"word":"did","start":2764.245,"end":2764.405,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.04742153361439705},{"word":"you","start":2764.405,"end":2764.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05448818579316139},{"word":"have","start":2764.565,"end":2764.725,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05548521876335144},{"word":"any","start":2764.725,"end":2765.125,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06534595787525177},{"word":"afternoon","start":2765.125,"end":2765.625,"confidence":1.0,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.07545584440231323},{"word":"availability","start":2765.845,"end":2766.345,"confidence":1.0,"punctuated_word":"availability","sentiment":"neutral","sentiment_score":0.061675313860177994},{"word":"at","start":2766.485,"end":2766.565,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.050179727375507355},{"word":"all","start":2766.565,"end":2766.725,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0496995784342289},{"word":"on","start":2766.725,"end":2766.885,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.046968743205070496},{"word":"that","start":2766.885,"end":2767.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.046300917863845825},{"word":"day","start":2767.045,"end":2767.545,"confidence":0.99853516,"punctuated_word":"day?","sentiment":"neutral","sentiment_score":0.060961805284023285},{"word":"it","start":2773.685,"end":2773.845,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03928355872631073},{"word":"doesn't","start":2773.845,"end":2774.165,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.03702547401189804},{"word":"have","start":2774.165,"end":2774.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.034510642290115356},{"word":"to","start":2774.325,"end":2774.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02690191939473152},{"word":"be","start":2774.485,"end":2774.985,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.023286208510398865},{"word":"the","start":2775.845,"end":2776.085,"confidence":0.8105469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025463983416557312},{"word":"eight","start":2776.085,"end":2776.35,"confidence":0.33251953,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.026576753705739975},{"word":"on","start":2776.51,"end":2776.6702,"confidence":0.5336914,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02416059747338295},{"word":"the","start":2776.6702,"end":2776.83,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02957550622522831},{"word":"dot","start":2776.83,"end":2777.07,"confidence":0.9807129,"punctuated_word":"dot.","sentiment":"neutral","sentiment_score":0.028959721326828003},{"word":"it","start":2777.07,"end":2777.23,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04593651369214058},{"word":"could","start":2777.23,"end":2777.4702,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.06517330557107925},{"word":"be","start":2777.4702,"end":2777.7102,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06416738033294678},{"word":"just","start":2777.7102,"end":2778.03,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06624654680490494},{"word":"sometime","start":2778.03,"end":2778.4302,"confidence":0.6245117,"punctuated_word":"sometime","sentiment":"neutral","sentiment_score":0.0666714459657669},{"word":"that","start":2778.4302,"end":2778.6702,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06097131967544556},{"word":"week","start":2778.6702,"end":2778.9102,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.05619127303361893},{"word":"if","start":2778.9102,"end":2779.07,"confidence":0.7871094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08902139961719513},{"word":"you","start":2779.07,"end":2779.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06188569962978363},{"word":"like","start":2779.23,"end":2779.73,"confidence":0.99121094,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.06219378858804703},{"word":"i","start":2781.55,"end":2781.7102,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0813543051481247},{"word":"can","start":2781.7102,"end":2782.11,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09958406537771224},{"word":"i","start":2782.11,"end":2782.27,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12253929674625395},{"word":"can","start":2782.27,"end":2782.4302,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11805375665426254},{"word":"be","start":2782.4302,"end":2782.59,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.100502111017704},{"word":"pretty","start":2782.59,"end":2782.83,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.12274187058210372},{"word":"flexible","start":2782.83,"end":2783.31,"confidence":1.0,"punctuated_word":"flexible","sentiment":"neutral","sentiment_score":0.0658317431807518},{"word":"with","start":2783.31,"end":2783.81,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0901886224746704},{"word":"timing","start":2784.6702,"end":2785.1702,"confidence":0.76904297,"punctuated_word":"timing?","sentiment":"neutral","sentiment_score":0.011901813559234142},{"word":"yes","start":2787.79,"end":2788.29,"confidence":0.5773926,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06957079470157623},{"word":"of","start":2788.59,"end":2788.83,"confidence":0.99316406,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.061123982071876526},{"word":"course","start":2788.83,"end":2789.33,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.09817048162221909},{"word":"okay","start":2792.795,"end":2793.195,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07993324846029282},{"word":"do","start":2793.195,"end":2793.355,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0629005879163742},{"word":"you","start":2793.355,"end":2793.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06748729944229126},{"word":"want","start":2793.515,"end":2793.915,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06140711531043053},{"word":"around","start":2793.915,"end":2794.155,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0963958501815796},{"word":"the","start":2794.155,"end":2794.315,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07042276859283447},{"word":"same","start":2794.315,"end":2794.555,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.09058123081922533},{"word":"time","start":2794.555,"end":2794.795,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08759572356939316},{"word":"that","start":2794.795,"end":2794.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06626229733228683},{"word":"we","start":2794.955,"end":2795.115,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06981530785560608},{"word":"did","start":2795.115,"end":2795.355,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07647144049406052},{"word":"this","start":2795.355,"end":2795.515,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07298276573419571},{"word":"morning","start":2795.515,"end":2796.015,"confidence":1.0,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":0.08326137810945511},{"word":"on","start":2796.315,"end":2796.815,"confidence":0.70996094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06988556683063507},{"word":"thursday","start":2796.875,"end":2797.355,"confidence":0.8640137,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.06118454784154892},{"word":"the","start":2797.355,"end":2797.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060695234686136246},{"word":"fifteenth","start":2797.515,"end":2798.015,"confidence":0.99934894,"punctuated_word":"fifteenth?","sentiment":"neutral","sentiment_score":0.06903186440467834},{"word":"okay","start":2800.795,"end":2801.295,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4072495102882385},{"word":"fantastic","start":2801.355,"end":2801.855,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6247837543487549},{"word":"i'll","start":2802.06,"end":2802.3801,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4951099157333374},{"word":"book","start":2802.3801,"end":2802.54,"confidence":0.99902344,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.5340272784233093},{"word":"that","start":2802.54,"end":2802.78,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5810399651527405},{"word":"in","start":2802.78,"end":2803.02,"confidence":0.95458984,"punctuated_word":"in,","sentiment":"positive","sentiment_score":0.5201500654220581},{"word":"and","start":2803.02,"end":2803.1802,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.45737674832344055},{"word":"i'll","start":2803.1802,"end":2803.4202,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4529965817928314},{"word":"send","start":2803.4202,"end":2803.58,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.5070967674255371},{"word":"you","start":2803.58,"end":2803.74,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46903717517852783},{"word":"through","start":2803.74,"end":2803.98,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5152047872543335},{"word":"a","start":2803.98,"end":2804.22,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4861710667610169},{"word":"calendar","start":2804.22,"end":2804.72,"confidence":0.9970703,"punctuated_word":"calendar","sentiment":"positive","sentiment_score":0.4352282285690307},{"word":"invite","start":2806.1401,"end":2806.6401,"confidence":0.99902344,"punctuated_word":"invite","sentiment":"positive","sentiment_score":0.44942376017570496},{"word":"so","start":2806.7,"end":2806.86,"confidence":0.65527344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3907663822174072},{"word":"you've","start":2806.86,"end":2807.1802,"confidence":1.0,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4200769066810608},{"word":"got","start":2807.1802,"end":2807.34,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4173904955387115},{"word":"that","start":2807.34,"end":2807.84,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.33827680349349976},{"word":"oh","start":2814.22,"end":2814.54,"confidence":0.94873047,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.09494706243276596},{"word":"no","start":2814.54,"end":2814.78,"confidence":0.95336914,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.09735511243343352},{"word":"lee","start":2814.78,"end":2815.1,"confidence":0.68188477,"punctuated_word":"Lee.","sentiment":"neutral","sentiment_score":-0.06950278580188751},{"word":"i","start":2815.1,"end":2815.1802,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06891335546970367},{"word":"completely","start":2815.1802,"end":2815.6602,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.1346200555562973},{"word":"understand","start":2815.6602,"end":2816.1602,"confidence":0.9482422,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.012278228998184204},{"word":"the","start":2816.22,"end":2816.3,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.30576106905937195},{"word":"financial","start":2816.3,"end":2816.8,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.3056143820285797},{"word":"stress","start":2816.86,"end":2817.1802,"confidence":1.0,"punctuated_word":"stress","sentiment":"neutral","sentiment_score":-0.29565978050231934},{"word":"that","start":2817.1802,"end":2817.34,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.33386680483818054},{"word":"everyone's","start":2817.34,"end":2817.84,"confidence":0.9980469,"punctuated_word":"everyone's","sentiment":"negative","sentiment_score":-0.3406352996826172},{"word":"experiencing","start":2818.185,"end":2818.685,"confidence":1.0,"punctuated_word":"experiencing","sentiment":"negative","sentiment_score":-0.34679198265075684},{"word":"at","start":2818.745,"end":2818.825,"confidence":0.99902344,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3603605628013611},{"word":"the","start":2818.825,"end":2818.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3481988310813904},{"word":"moment","start":2818.905,"end":2819.3052,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.2425757348537445},{"word":"is","start":2819.3052,"end":2819.8052,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.29587996006011963},{"word":"it","start":2821.225,"end":2821.5452,"confidence":0.9819336,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3589649796485901},{"word":"it's","start":2821.8252,"end":2822.105,"confidence":0.9890137,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3835749626159668},{"word":"widespread","start":2822.105,"end":2822.605,"confidence":0.8847656,"punctuated_word":"widespread.","sentiment":"neutral","sentiment_score":-0.2620648741722107},{"word":"and","start":2823.625,"end":2824.125,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.20680028200149536},{"word":"yeah","start":2828.105,"end":2828.605,"confidence":0.99609375,"punctuated_word":"yeah.","sentiment":"negative","sentiment_score":-0.3351125121116638},{"word":"yeah","start":2829.865,"end":2830.365,"confidence":0.9399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08160188794136047},{"word":"i'm","start":2831.385,"end":2831.5452,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14419494569301605},{"word":"sorry","start":2831.5452,"end":2831.865,"confidence":0.9970703,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.15316608548164368},{"word":"that","start":2831.865,"end":2832.105,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06263045966625214},{"word":"we","start":2832.105,"end":2832.2651,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05060633271932602},{"word":"can't","start":2832.2651,"end":2832.585,"confidence":0.99658203,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.13085505366325378},{"word":"do","start":2832.585,"end":2832.745,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17712455987930298},{"word":"anything","start":2832.745,"end":2833.245,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.09866292029619216},{"word":"further","start":2834.01,"end":2834.41,"confidence":0.9375,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.2571384608745575},{"word":"with","start":2834.41,"end":2834.91,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1422505080699921},{"word":"that","start":2839.1301,"end":2839.6301,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.7046114206314087},{"word":"it","start":2840.73,"end":2840.8901,"confidence":0.99609375,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5191875696182251},{"word":"was","start":2840.8901,"end":2841.1301,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.8014954924583435},{"word":"lovely","start":2841.1301,"end":2841.61,"confidence":0.9873047,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.820389449596405},{"word":"just","start":2841.61,"end":2841.77,"confidence":0.55029297,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3881252706050873},{"word":"oh","start":2842.49,"end":2842.73,"confidence":0.9902344,"punctuated_word":"oh,","sentiment":"positive","sentiment_score":0.48191148042678833},{"word":"anytime","start":2842.73,"end":2843.21,"confidence":0.9748535,"punctuated_word":"anytime.","sentiment":"positive","sentiment_score":0.5130950808525085},{"word":"it","start":2843.21,"end":2843.37,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.7419882416725159},{"word":"was","start":2843.37,"end":2843.53,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.8466147780418396},{"word":"lovely","start":2843.53,"end":2843.85,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8567189574241638},{"word":"to","start":2843.85,"end":2844.01,"confidence":0.9873047,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8549959063529968},{"word":"speak","start":2844.01,"end":2844.25,"confidence":1.0,"punctuated_word":"speak","sentiment":"positive","sentiment_score":0.7379563450813293},{"word":"with","start":2844.25,"end":2844.49,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8288885951042175},{"word":"you","start":2844.49,"end":2844.6501,"confidence":0.9692383,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.7237292528152466},{"word":"and","start":2844.6501,"end":2844.8901,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7432249784469604},{"word":"i","start":2844.8901,"end":2844.97,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7682004570960999},{"word":"look","start":2844.97,"end":2845.21,"confidence":0.9921875,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.7751501798629761},{"word":"forward","start":2845.21,"end":2845.45,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.7380040287971497},{"word":"to","start":2845.45,"end":2845.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7362837195396423},{"word":"speaking","start":2845.61,"end":2845.85,"confidence":1.0,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.7207025289535522},{"word":"to","start":2845.85,"end":2846.01,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7320885062217712},{"word":"you","start":2846.01,"end":2846.09,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7245107293128967},{"word":"again","start":2846.09,"end":2846.33,"confidence":0.99902344,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.7889903783798218},{"word":"in","start":2846.33,"end":2846.5828,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6446513533592224},{"word":"a","start":2848.5828,"end":2848.6628,"confidence":0.97509766,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7860960960388184},{"word":"few","start":2848.6628,"end":2849.1628,"confidence":1.0,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.6916466951370239},{"word":"weeks","start":2850.3428,"end":2850.5027,"confidence":1.0,"punctuated_word":"weeks.","sentiment":"positive","sentiment_score":0.4031659662723541},{"word":"enjoy","start":2850.5027,"end":2850.9028,"confidence":0.9921875,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.6852954030036926},{"word":"your","start":2850.9028,"end":2851.0627,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.734876275062561},{"word":"day","start":2851.0627,"end":2851.5627,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7240339517593384},{"word":"you","start":2854.4229,"end":2854.6628,"confidence":0.9614258,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.34595558047294617},{"word":"too","start":2854.6628,"end":2855.0627,"confidence":0.99902344,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.34741097688674927},{"word":"bye","start":2855.0627,"end":2855.4626,"confidence":0.9699707,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.2205819934606552},{"word":"bye","start":2855.4626,"end":2855.9626,"confidence":0.95947266,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.1907738447189331}],"paragraphs":{"transcript":"\nHi, Lee. This is Jenna Phoning from Oakview Financial. How are you today? I'm really well. Thank you.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Wonderful. And can I please ask for your client password? I have a prompt for you, your childhood dog.\n\nThere you are. Thank you so much, Lee. You're absolutely welcome. So today, we just have scheduled your annual review and to talk about some options investment options that you spoke previously about with Veronica. Do you have time to do that now?\n\nThat's Absolutely fine. Well, what I might do is before we start is I just wanna see and check-in with you if there's been any significant financial or personal changes for you? No. So I note that there's been some well, we all know that there's been some mortgage rate increases. Are they impacting you financially?\n\nAre you managing? Yeah. Okay. So your mortgage is sitting at 1.1. Is that correct still?\n\nYep. Okay. And do you know what your mortgage repayment is? 1,900 a week. Okay.\n\nOkay. $17.70 and then 200 to a credit card. Okay. How much is outstanding on your credit card? Okay.\n\nK. I'll just make some notes of that as I go. Okay. So I don't have to ask you again when we get to that section. You're absolutely fine.\n\nSo with your income and Timothy's income, I've got yours noted as 63,180. Would that be correct? Yeah. You're absolutely fine. 71.\n\nOkay. Okay. And do you know what Timothy is on? What his income is? Yep.\n\nOkay. Okay. And we have your expenditure, so outside of debt repayments, being 1,150 a week. Would that still that would be like your living expenses. So groceries, other bills.\n\nYeah? Okay. And I've got a note here that any savings just goes into your off offset account. No. That's okay.\n\nI I understand. Do you know what your balance in your offset account is? Yeah. Okay. That's alright.\n\nOkay. No worries at all. Okay. And you are still in North Narrabeen? Yep.\n\nFantastic. And your children, Kobe and is it Kiani? That's a lovely name. How old are they now? Because this I have Kobe as 16 and Kiani as 14.\n\nIs that right? Oh my gosh. What an exciting time. It goes so fast, doesn't it? I do.\n\nI have a 10 year old daughter and a seven year old son. So it goes fast, and they're driving me a bit bonkers this week. It'll last week at school. They're a bit tired and cranky, but, hopefully, they they they are back over the holidays, become my normal children again. Sometimes where I can, I try and save as much for Christmas so we can do stuff over the bigger break?\n\nBut I'm I'm fortunate enough to have work on on a couple of days a week. We work from home in the office. So I'm I get to see them, like, in fortunate. With your occupation, I have office administration as a bookkeeper at a gym. Is that right?\n\nNo? Okay. Everest Electrical. Yep. Okay.\n\nOkay. Right. And I had that that's what that figure is there. It's about 14,400. A year?\n\nYes. No. Do you have any yep. Okay. Okay.\n\nAnd that says a personal trainer? Or a bookkeeper. Yeah. Yeah. Okay.\n\nBeautiful. Alright. So you're not making any additional contributions to super besides the 12%. Is that right? No.\n\nThat's okay. These are just little questions I've just run through to check. And we have a motor vehicle, a Toyota Kluger, valued at about 20,000. Fantastic. That's great.\n\nThank you. Any other asset or liabilities that you can think of? Okay. Is that tax? Or okay.\n\nYeah. Okay. And that was 17,000, you said? 18? Yeah.\n\nAnd how much do you pay off that regularly? Okay. So Not not out of your personal. No. Okay.\n\nAlright. Have you ever been declared bankrupt or had a debt agreement? No. And I have you here as a nonsmoker. Is that right?\n\nYeah. And do you have any significant health issues or take any medication? Yeah. Yeah. That's yep.\n\nI understand. Do you have a will and a power of attorney? Yes? I understand. I understand.\n\nWhat I can do, if you like, is I can send you just through a brochure for someone that we partner with. They're very reasonably priced compared to what I've seen in my time when you see lawyers charge for these. It might be that it's a very simple will that just needs to be replaced, but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide, and it's pretty straightforward. You can do it all virtually like we do. And it's it's usually a pretty quick process if you wanna look into that, which we would definite at least you've got a will.\n\nYeah. At at least you've got one. Yeah. So your will doesn't actually expire or anything like that, and it doesn't deal with assets specifically. It's more where you want your estate to go and your wealth to go in the event of your passing.\n\nSo if it was set up to go to Timothy, it would still go to Timothy. The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad. Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's how how your wish is followed. So it's probably worth doing. I'll send you through that brochure anyhow so you and Timothy can have a look at it.\n\nDo you have a power of attorney? No? People tend to think that that's how it works. What happens is is a power of attorney covers you if you're unable to make decisions for yourself. So it might be you've suffered a medical event and you're unable to make a decision.\n\nIt relates to health decisions and financial decisions. So an example would be if you are unable to make a decision or or speak with us. A perfect example would be, and, Timothy needed to ring up and claim an insurance policy or see if he can access your super to pay for medical expenses, we're actually legally not allowed to talk to him without that document. Yes. And the same goes for him.\n\nSo you wouldn't legally be able to do anything. So if if, for example, you have in individual bank accounts, you the bank won't speak to you. Yeah. Yep. Power of attorney.\n\nYeah. Now well, it's not it's not yeah. So a power of attorney isn't really linked to passing away. It's nominating somebody that you trust to make decisions on your behalf while you're alive if you are unable to do so. So it could be health decisions even.\n\nSo an example, an absolute horrible example would be a decision to turn off life life support, or it might be that yourself or Timothy are in aged care and diagnosed with, let's just say, dementia, for example, and you're unable to make decisions. So that document would allow that person to act on your behalf. So my own, for example, is my husband, and then if he's unable to act, it would be my sister. So you're allowed to have you can nominate several. And, you know, you can even it can even get a specific to you want someone specifically to make health decision for you and someone else to make financial decisions.\n\nState government departments, like, public trustees. You can go through, like, state government departments, like, public trustees. You will wait a little while likely to get in. And they what typically, how they charge is a percentage from the estate, so it's free to set up. But they'll take a percentage of the estate when the worst does end up happening.\n\nSo I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer. So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too. So you can have them both set up in the one with the one in the one place. No. That's absolutely fine.\n\nOkay. I'm gonna touch quickly on your goals and objectives that we have on file from last time. One of them was that you would love to travel to The UK next Christmas as you have family there and then go to Greece to spread your father in law's ashes. Did you achieve that? Okay.\n\nFor yep. Okay. Okay. So okay. So should I add on all The Caribbean?\n\nOkay. Okay. 2027. Fantastic. I also have that you need to finish the renovations at Home and need to about 100,000 to do this.\n\nIs that still something that you are working towards? Yep. Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and yep. Okay. Yeah.\n\nI think this is a retirement goal one. Sorry. There's no link here for me to see. But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel. Is that now, like, a current lifestyle goal now, or is that more to so that's now?\n\nYep. Okay. Yeah. Yeah. I understand that.\n\nWith your superannuation, you've said that you wanna be in a strong performing platform with good investments for growth and active management to try and mitigate losses where possible. Is that still relevant? With your super rate superannuation fund, it says that you wanna be in a strong performing platform with good investments for growth and active management, retirement goal, I have you wanting to retire between the ages of 60 to 65 years old with an income of 2,000 per week. Yeah? Is that 2,000 for you and Timothy?\n\nYeah. Mhmm. Yeah. Uh-huh. Yep.\n\nPer week. Okay. Combined with mortgage. The paid. I guess with the that probably leads me into a different question or a different conversation as well.\n\nWith your home and the long term plans, with the kids getting older, What is yours and Timothy's plans with the home? Would you be looking to downsize at any point in time? Would you be what have you thought about those types of Yep. Yep. Okay.\n\nAnd is Timothy self employed? Sorry. I just don't know much about Timothy from these notes. I'm just trying he is. Okay.\n\nSo his income, you said, is about 71, around the same as yours. Does he get any additional income of any additional income of any sort? Yep. Yep. Okay.\n\nNo worries. Okay. Alright. So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what we if there's anything that we can do or action to assist. So I'll leave those there.\n\nOutside of those goals and objectives, is there anything else that you're wanting to achieve in the next short to long term? Yep. Yeah. Understand. Understand.\n\nOkay. So with your insurances, you have life TPD and income protection. That's through your superannuation fund that's paid for. And your life insurance and TPD sum insured is just over 1,500,000. So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries.\n\nIs that how is is that are you happy with that level of cover? Did you need to increase it? Yep. Mhmm. Yep.\n\nOkay. So on that note, we have your beneficiary nominations for your super and your life insurance being 50% to Timothy and 25% to Kobe and 25% to Kiani. Did you want to leave them that way, or did you want to have Timothy as the beneficiary so the debts repaid? What was he'll get half of your superannuation balance and half of your life insurance proceeds. So what that's another thing with a will.\n\nNow that your one of your children is 18 and the other one is 18 in twelve months' time, when funds are paid from when adult children are a beneficiary of a superannuation fund, they pay it is they pay tax. There's a taxable element on it. With Timothy, it's tax free because he's your spouse. And any tax any tax to Tim would be minimal as opposed to your adult children. So that that's how as well your will will link into this.\n\nIf it goes to Tim Timothy, sorry, then the will would then dictate what happens with the remainder of the estate. So if you do your wills in conjunction with each other, if one of you pass first, usually, most couples' wills are mirrored. Yes. Yeah. I can make, yeah, I can make those we'll get some forms sent out for you to sign.\n\nThat would they do need to be signed. So we'll do we'll make that an action item post this meeting. Alright. So I've done that. What I'm gonna do now, Lee, is do you have access to your emails at all?\n\nYeah. I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there. So when you receive that email, the option is sign documents. If you just click on that, that's gonna open up the documents. You're not signing anything at the moment.\n\nWe're just gonna talk through them, and then we'll go from there. Okay. Lovely. So let me know when you've got those documents open. Fantastic.\n\nSo the first document you should see is a summary of your super and insurance. So you will note it's dated as of the August 26. So that was when our our original appointment was. So I do apologize for it being probably nearly a month down. No.\n\nNo. No. I completely understand. I like I like flexibility. So if we can be flexible, that's always the goal with our client.\n\nSo it's showing that then your balance was sitting at about a $195,877 rounded up. And then as I mentioned earlier, your life and TPD insurance, your sums insured. And you also have an income protection policy, which will cover you for $3,788 a month if you're unable to work due to injury or illness. Now that is calculated as 70% of your taxable income. So but you're some insured.\n\nSo I am just checking to make sure that we're pretty on par with that. Yep. Okay. So the maximum sum insured you can get is $4,141 a month. I would definitely not recommend getting rid of it.\n\nThe reason being is it is usually one of the main policy it is the most policy that's claimed upon. And given that if you were unable to work due to injury or illness, you would have no source of income. So that financial stress of mortgage repayments and debt repayments is only gonna compound. At least this way, you have some level of protection. Yeah.\n\nIt I totally understand. So your superannuation fund is paying for that premium. At the moment, it's not coming out of your personal cash flow. That I would strongly recommend def definitely not canceling it. It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in the event of repaying debt and those types of things because you'd be solely relying on Timothy's wage then.\n\nYeah. So I can look at I can look at bumping it up to a maximum of $4,141 a month if you want me to. You'd have to go through underwriting. So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires. That process would need to occur for that increase.\n\nAnd okay. Okay. It is. It is. But the option at least you know the options there.\n\nSo if you do have a think about it and you change your mind, you just phone back or send an email, whatever, and I'll get in contact with you again. The that's okay. And then the next policy you have down is a trauma policy with a small life policy attached, and that's costing you $19.02 per month, and that does come from your personal cash flow. So that's deducted from most likely a bank account or a credit card. Fantastic.\n\nAlright. So what so the reason why the life is attached to the trauma, believe it or not, if you purchase trauma on its own, the premium is significantly higher. If you attach a life policy that is a smaller that matches the amount of the trauma policy. It actually discounts it. Very backward way of doing it, but they do it.\n\nSo what so, basically, what it means is you've got an additional life insurance there of $54,838. So what life buyback means is if if you do claim on that trauma policy, if you are diagnosed with a specific illness or diagnosis, you do have the ability to buy that life insurance, some insured back after a twelve month period. That's what that means. That's that's absolutely fine. The next document is your performance report, so for the last twelve months.\n\nThe first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund. You'll see some negative figures. The bet yes. Yes. So the Bennelong Australian Equities Fund, our our investment committee as approach is not to be reactive to negative performance because the market does have its ups and downs.\n\nYep. Yep. When things become, let's call it systemic or long term, that's when we start to review specific funds. So the Australian share market itself has not performed badly in the last twelve months. I mean, we've had a bit of a fluctuation in the last couple of weeks, but over the long term, they the Australian share market's done pretty well.\n\nThe the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth. So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued. So then along their investment mandate just hasn't, you know, hit hit the mark for them. So what we're doing is as a company and and in our investment committee, we're looking at replacing Ben along with alternative suit suitable alternative if clients are happy for us to look at that for them. Well, we're just yeah.\n\nNo. We're here to partner with you and just educate. I think education is the most important thing. We definitely are here in the background to make sure the portfolios are structured the way that they should be. But I also like to educate clients along the way as to why we're thinking certain things because it does provide a level of comfort and understanding.\n\nYep. The other there's two other funds in this portfolio that I wanna just touch on briefly as well. The the second one is the Beta Bank hybrid fund. That's the second one down. Nothing wrong with that fund at all, but the Australian banking system is phasing out the hybrid options from January 2027.\n\nWhat I've been doing with the clients I'm working with is proactively reviewing these. I don't have a crystal ball, and I don't know what's gonna happen to these hybrids or how they're gonna be valued come January 20 '27. So what I'm doing is I'm working with clients to look at reviewing for alternative options, getting a little bit more proactive in that approach because I just don't know what's gonna happen there. Yep. And then thank you.\n\nAnd then the bottom one is the Vanek Vanek Property ATS Fund. Underperformance in the last short term, but the property market is pretty volatile at the moment given the interest rates, not just in Australia, but America, the the world. But yeah. There is. There is.\n\nSo that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there. So if you're happy for me to do that, I'd like to review those three funds. Is that okay? That's perfect. Thank you.\n\nBut overall, the portfolio still didn't do too bad, to be honest with you. Over the last twelve months, it returned a 6.07% return. So with Bennelong being in there, that's actually surprising to me. I've seen some much lower returns, to be completely honest with you. So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio.\n\nThe next document over is an education tool I'd just like to talk through briefly. It's the Vanguard index chart. You are presently invested as a growth investor. What that means is down the right hand side of this page, you'll see the top four assets being US shares, Australian shares, international shares, and listed property. They're your growth they're your growth assets.\n\nSo in a gross risk profile, we typically have about 80% of your funds invested across those four sectors. And then the remaining 20% is invested along across the defensive assets being your bonds, cash, and fixed interest. So with a growth portfolio, we do expect to see about seven to a 9% return per annum. And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame. So given that you have nineteen years no.\n\nSorry. Not nineteen years. Sorry. I am really bad at math today. You have eleven years until you're actually able to access super, so your preservation age is 60.\n\nYou do have time on your side to hold that gross risk profile if you feel comfortable, or or you could even potentially look at upping some of that exposure to growth to see if you can get some more growth opportunities. It's simply a, what I like to call a sleep at night test. If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested. Yeah. So you're happy to maintain that eighty twenty split, have 80 across those top four where you see a lot more volatility, but over the long term growth?\n\nOkay. Alright. Lovely. The next two documents are your certificates of currency from MetLife. So what these documents are showing you is that your insurance policies are enforced and who your beneficiaries are, which we will have that updated for you to be Timothy.\n\nAnd then the next document over is our financial services guide. So what that is is a legal document that we provide to clients. It explains who we are, the type of advice we're allowed to give, how we give it, an overview of our fee structure, and importantly, if you're unhappy with any advice or services you receive, the complaint's processed. And then the last document is your ongoing service agreement. So this is the fee that we charge you, and that's from your superannuation fund.\n\nAnd we it's a fixed fee. So previously, it was a percent based fee, which means each month that changed depending on the balance of the superannuation fund. So in a good month, we'd get paid more, and in a bad month, we'd get paid less. We don't think that that's fair or reasonable to a client or very transparent. So what we've done is we're working through fixing client fees at the present moment to provide transparency and consistency in the in knowing what you're being charged.\n\nSo just because a portfolio performs well, that doesn't mean that we should be paid more. It's just so we've changed the fee structure to reflect the fixed fee. So you'll see on that document, the annual fee is $3,362.73 per annum. That's then broken down and divided by 12 and deducted monthly from your super fund, which equates to approximately $280.23 per month. Now what that covers is your ongoing reviews with us.\n\nFor example, the the time and the changes that I'm gonna research and investigate to update your portfolio. Investigate to update your portfolio. You're not also limited to just one review per year. If you like I mentioned earlier, if you if you need to reach out for anything in relation to seeking advice, you just pick up the phone and do so. And that and that's your your fee is for that service, for us to be available for you to you.\n\nSo any any questions about any of those documents? No? Oh, thank you. So I'm my action items from here is I'm gonna get some forms issued to you to change your beneficiary. Do you have access to a printer, or would you like me to post them?\n\nOkay. Alright. Well, I'll get those emailed out to you along with the estate planning brochure for you and Tim to have a look at. With your review frequency, are you happy to keep that as an annual review? Yeah.\n\nOkay. And the only other option that I did have here to talk to you about from a conversation with Veronica is that you she did mention that you looked at, SMAs. So that's a type of investment option held in superannuation, where the portfolio is invested, but changes are done in the background by the investment committee with when chain when changes need to be made. SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that? But what an SMA does is it just it provides more flexibility for quick changes should they need to be made by the investment committee and the transparency.\n\nSo when you log in, for example, in your hub account, instead of seeing those listed investment funds, you will own certain shares within those funds that will be applicable to you within your super annuation fund. Property? Let let okay. Let me have a quick sticky beak this other option. Yeah.\n\nIt just said SMA, but we can definitely talk about property if that's something that you wanted to talk about. Be be yeah. I understand. Yeah. I understand completely.\n\nAlright. So I'm gonna probably reach out in I can probably book it in now if you have time for about two weeks' time so I can just present the changes to you to make to that superannuation fund. Would that be okay? Yeah. Did you have any afternoon availability at all on that day?\n\nIt doesn't have to be the eight on the dot. It could be just sometime that week if you like. I can I can be pretty flexible with timing? Yes. Of course.\n\nOkay. Do you want around the same time that we did this morning on Thursday, the fifteenth? Okay. Fantastic. I'll book that in, and I'll send you through a calendar invite so you've got that.\n\nOh, no, Lee. I completely understand. The financial stress that everyone's experiencing at the moment is it it's widespread. And yeah. Yeah.\n\nI'm sorry that we can't do anything further with that. It was lovely just oh, anytime. It was lovely to speak with you, and I look forward to speaking to you again in a few weeks. Enjoy your day. You too.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lee.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.1747233122587204},{"text":"This is Jenna Phoning from Oakview Financial.","start":3.84,"end":6.16,"sentiment":"neutral","sentiment_score":0.19984381326607295},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.2433157116174698},{"text":"I'm really well.","start":13.135,"end":14.335,"sentiment":"positive","sentiment_score":0.5005333026250204},{"text":"Thank you.","start":14.335,"end":15.075001,"sentiment":"positive","sentiment_score":0.545456200838089}],"sentiment":"neutral","sentiment_score":0.29522935963339275,"num_words":18,"start":3.1999998,"end":15.075001},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":15.135,"end":21.695,"sentiment":"neutral","sentiment_score":0.06489424537057462},{"text":"Is that okay?","start":21.695,"end":22.515,"sentiment":"neutral","sentiment_score":0.06477354218562444},{"text":"Wonderful.","start":25.375,"end":25.875,"sentiment":"neutral","sentiment_score":0.3201470375061035},{"text":"And can I please ask for your client password?","start":26.46,"end":29.519999,"sentiment":"neutral","sentiment_score":0.0597986558245288},{"text":"I have a prompt for you, your childhood dog.","start":36.14,"end":38.565,"sentiment":"neutral","sentiment_score":0.029863749734229512}],"sentiment":"neutral","sentiment_score":0.06253326572477817,"num_words":45,"start":15.135,"end":38.565},{"sentences":[{"text":"There you are.","start":41.684998,"end":42.405,"sentiment":"neutral","sentiment_score":0.12331131845712662},{"text":"Thank you so much, Lee.","start":42.405,"end":44.184998,"sentiment":"positive","sentiment_score":0.5154208898544311},{"text":"You're absolutely welcome.","start":46.484997,"end":47.704998,"sentiment":"positive","sentiment_score":0.40833800037701923},{"text":"So today, we just have scheduled your annual review and to talk about some options investment options that you spoke previously about with Veronica.","start":48.725,"end":58.82,"sentiment":"neutral","sentiment_score":0.0664719248500963},{"text":"Do you have time to do that now?","start":58.88,"end":60.66,"sentiment":"neutral","sentiment_score":0.03519908362068236}],"sentiment":"neutral","sentiment_score":0.14067375049168288,"num_words":43,"start":41.684998,"end":60.66},{"sentences":[{"text":"That's Absolutely fine.","start":67.295,"end":79.82,"sentiment":"neutral","sentiment_score":0.01634133358796438},{"text":"Well, what I might do is before we start is I just wanna see and check-in with you if there's been any significant financial or personal changes for you?","start":80.04,"end":95.445,"sentiment":"neutral","sentiment_score":-0.0480001675414628},{"text":"No.","start":95.445,"end":95.945,"sentiment":"neutral","sentiment_score":-0.12367897480726242},{"text":"So I note that there's been some well, we all know that there's been some mortgage rate increases.","start":97.445,"end":103.465,"sentiment":"neutral","sentiment_score":-0.11078682459063},{"text":"Are they impacting you financially?","start":103.524994,"end":106.55,"sentiment":"neutral","sentiment_score":-0.13883737325668336}],"sentiment":"neutral","sentiment_score":-0.07419659895822406,"num_words":56,"start":67.295,"end":106.55},{"sentences":[{"text":"Are you managing?","start":107.01,"end":107.91,"sentiment":"neutral","sentiment_score":-0.12160438547531764},{"text":"Yeah.","start":115.170006,"end":115.490005,"sentiment":"neutral","sentiment_score":-0.05433978512883186},{"text":"Okay.","start":115.490005,"end":115.990005,"sentiment":"neutral","sentiment_score":-0.009857079945504664},{"text":"So your mortgage is sitting at 1.1.","start":116.130005,"end":119.225,"sentiment":"neutral","sentiment_score":-0.02278245865766491},{"text":"Is that correct still?","start":119.225,"end":120.604996,"sentiment":"neutral","sentiment_score":-0.002428026869893074}],"sentiment":"neutral","sentiment_score":-0.03738745872396976,"num_words":16,"start":107.01,"end":120.604996},{"sentences":[{"text":"Yep.","start":122.424995,"end":122.924995,"sentiment":"neutral","sentiment_score":0.02470514178276062},{"text":"Okay.","start":123.064995,"end":123.564995,"sentiment":"neutral","sentiment_score":0.019043223932385445},{"text":"And do you know what your mortgage repayment is?","start":124.185,"end":142.21,"sentiment":"neutral","sentiment_score":-0.008342530164453719},{"text":"1,900 a week.","start":149.80501,"end":151.345,"sentiment":"neutral","sentiment_score":-0.032947750141223274},{"text":"Okay.","start":152.285,"end":152.785,"sentiment":"neutral","sentiment_score":-0.009868464432656763}],"sentiment":"neutral","sentiment_score":-0.0093364080414176,"num_words":15,"start":122.424995,"end":152.785},{"sentences":[{"text":"Okay.","start":160.26,"end":160.76,"sentiment":"neutral","sentiment_score":-0.009899689815938473},{"text":"$17.70 and then 200 to a credit card.","start":161.37999,"end":165.0,"sentiment":"neutral","sentiment_score":-0.021483869990333915},{"text":"Okay.","start":166.98,"end":167.48,"sentiment":"neutral","sentiment_score":0.004328619688749313},{"text":"How much is outstanding on your credit card?","start":168.01999,"end":170.595,"sentiment":"neutral","sentiment_score":-0.07355070067569613},{"text":"Okay.","start":178.515,"end":179.015,"sentiment":"neutral","sentiment_score":0.048851609230041504}],"sentiment":"neutral","sentiment_score":-0.03773663295923095,"num_words":19,"start":160.26,"end":179.015},{"sentences":[{"text":"K.","start":182.995,"end":183.475,"sentiment":"neutral","sentiment_score":0.04597875475883484},{"text":"I'll just make some notes of that as I go.","start":183.475,"end":185.575,"sentiment":"neutral","sentiment_score":0.09757794588804244},{"text":"Okay.","start":185.66,"end":185.98,"sentiment":"neutral","sentiment_score":0.10411414504051208},{"text":"So I don't have to ask you again when we get to that section.","start":185.98,"end":188.40001,"sentiment":"neutral","sentiment_score":0.07816243411174842},{"text":"You're absolutely fine.","start":190.46,"end":191.74,"sentiment":"positive","sentiment_score":0.622818132241567}],"sentiment":"neutral","sentiment_score":0.14098623561961898,"num_words":29,"start":182.995,"end":191.74},{"sentences":[{"text":"So with your income and Timothy's income, I've got yours noted as 63,180.","start":191.74,"end":203.89499,"sentiment":"neutral","sentiment_score":0.09480430443699543},{"text":"Would that be correct?","start":203.89499,"end":205.03499,"sentiment":"neutral","sentiment_score":0.04707498010247946},{"text":"Yeah.","start":221.36,"end":221.6,"sentiment":"neutral","sentiment_score":0.08029940724372864},{"text":"You're absolutely fine.","start":221.6,"end":223.06,"sentiment":"neutral","sentiment_score":0.17334121465682983},{"text":"71.","start":228.8,"end":229.6,"sentiment":"neutral","sentiment_score":0.011448699049651625}],"sentiment":"neutral","sentiment_score":0.09238761947066947,"num_words":22,"start":191.74,"end":229.6},{"sentences":[{"text":"Okay.","start":229.6,"end":230.055,"sentiment":"neutral","sentiment_score":0.02153090387582779},{"text":"Okay.","start":232.61499,"end":233.11499,"sentiment":"neutral","sentiment_score":0.01738135702908039},{"text":"And do you know what Timothy is on?","start":233.73499,"end":236.47499,"sentiment":"neutral","sentiment_score":0.0035292692482471466},{"text":"What his income is?","start":236.855,"end":238.23499,"sentiment":"neutral","sentiment_score":-0.0032637203112244606},{"text":"Yep.","start":244.775,"end":245.275,"sentiment":"neutral","sentiment_score":0.0293145552277565}],"sentiment":"neutral","sentiment_score":0.005560405924916268,"num_words":15,"start":229.6,"end":245.275},{"sentences":[{"text":"Okay.","start":245.415,"end":245.76,"sentiment":"neutral","sentiment_score":0.02691483311355114},{"text":"Okay.","start":248.15999,"end":248.65999,"sentiment":"neutral","sentiment_score":0.024763070046901703},{"text":"And we have your expenditure, so outside of debt repayments, being 1,150 a week.","start":248.79999,"end":256.41998,"sentiment":"neutral","sentiment_score":0.014045108974512135},{"text":"Would that still that would be like your living expenses.","start":258.32,"end":262.245,"sentiment":"neutral","sentiment_score":-0.0003875214606523514},{"text":"So groceries, other bills.","start":262.30502,"end":264.565,"sentiment":"neutral","sentiment_score":0.005368090700358152}],"sentiment":"neutral","sentiment_score":0.008863552566617727,"num_words":30,"start":245.415,"end":264.565},{"sentences":[{"text":"Yeah?","start":268.385,"end":268.885,"sentiment":"neutral","sentiment_score":0.02055561915040016},{"text":"Okay.","start":268.945,"end":269.445,"sentiment":"neutral","sentiment_score":0.016788221895694733},{"text":"And I've got a note here that any savings just goes into your off offset account.","start":269.665,"end":277.24,"sentiment":"neutral","sentiment_score":-0.000844037625938654},{"text":"No.","start":277.24,"end":277.74,"sentiment":"neutral","sentiment_score":-0.07806041091680527},{"text":"That's okay.","start":278.36,"end":279.0,"sentiment":"neutral","sentiment_score":-0.061647554859519005}],"sentiment":"neutral","sentiment_score":-0.00845315626689366,"num_words":21,"start":268.385,"end":279.0},{"sentences":[{"text":"I I understand.","start":279.0,"end":280.22,"sentiment":"neutral","sentiment_score":-0.05247745290398598},{"text":"Do you know what your balance in your offset account is?","start":280.28,"end":282.78,"sentiment":"neutral","sentiment_score":-0.06747618046673862},{"text":"Yeah.","start":305.68,"end":306.0,"sentiment":"neutral","sentiment_score":-0.020574022084474564},{"text":"Okay.","start":306.0,"end":306.5,"sentiment":"neutral","sentiment_score":-0.02757567912340164},{"text":"That's alright.","start":308.8,"end":309.69998,"sentiment":"neutral","sentiment_score":-0.010721440427005291}],"sentiment":"neutral","sentiment_score":-0.053847940328220524,"num_words":18,"start":279.0,"end":309.69998},{"sentences":[{"text":"Okay.","start":311.75998,"end":312.135,"sentiment":"neutral","sentiment_score":0.0260420273989439},{"text":"No worries at all.","start":312.935,"end":314.55502,"sentiment":"neutral","sentiment_score":0.0394110968336463},{"text":"Okay.","start":317.17502,"end":317.67502,"sentiment":"neutral","sentiment_score":0.032102324068546295},{"text":"And you are still in North Narrabeen?","start":319.575,"end":323.27502,"sentiment":"neutral","sentiment_score":0.02433467922466142},{"text":"Yep.","start":325.415,"end":325.915,"sentiment":"neutral","sentiment_score":0.12614236772060394}],"sentiment":"neutral","sentiment_score":0.03659099007823637,"num_words":14,"start":311.75998,"end":325.915},{"sentences":[{"text":"Fantastic.","start":325.975,"end":326.475,"sentiment":"positive","sentiment_score":0.36623725295066833},{"text":"And your children, Kobe and is it Kiani?","start":327.86002,"end":331.0,"sentiment":"neutral","sentiment_score":0.1284440215677023},{"text":"That's a lovely name.","start":333.7,"end":334.92,"sentiment":"positive","sentiment_score":0.5868910104036331},{"text":"How old are they now?","start":337.7,"end":338.66,"sentiment":"neutral","sentiment_score":0.0025130242109298708},{"text":"Because this I have Kobe as 16 and Kiani as 14.","start":338.66,"end":342.985,"sentiment":"neutral","sentiment_score":0.004410633732649413}],"sentiment":"neutral","sentiment_score":0.13111846755933146,"num_words":29,"start":325.975,"end":342.985},{"sentences":[{"text":"Is that right?","start":342.985,"end":343.88498,"sentiment":"neutral","sentiment_score":0.00864247294763724},{"text":"Oh my gosh.","start":349.465,"end":350.425,"sentiment":"neutral","sentiment_score":-0.021796076868971188},{"text":"What an exciting time.","start":350.425,"end":351.965,"sentiment":"positive","sentiment_score":0.7676217257976532},{"text":"It goes so fast, doesn't it?","start":355.58002,"end":357.84003,"sentiment":"positive","sentiment_score":0.3872508853673935},{"text":"I do.","start":361.82,"end":362.38,"sentiment":"neutral","sentiment_score":0.1545926108956337}],"sentiment":"neutral","sentiment_score":0.31465092363456887,"num_words":18,"start":342.985,"end":362.38},{"sentences":[{"text":"I have a 10 year old daughter and a seven year old son.","start":362.38,"end":366.48,"sentiment":"neutral","sentiment_score":0.11913633461181934},{"text":"So it goes fast, and they're driving me a bit bonkers this week.","start":371.39502,"end":375.95502,"sentiment":"neutral","sentiment_score":-0.18314681230829313},{"text":"It'll last week at school.","start":375.95502,"end":377.23502,"sentiment":"neutral","sentiment_score":-0.05579138174653053},{"text":"They're a bit tired and cranky, but, hopefully, they they they are back over the holidays, become my normal children again.","start":377.23502,"end":386.7,"sentiment":"neutral","sentiment_score":0.11780936430607523},{"text":"Sometimes where I can, I try and save as much for Christmas so we can do stuff over the bigger break?","start":392.36002,"end":398.3,"sentiment":"neutral","sentiment_score":0.0724216906265134}],"sentiment":"neutral","sentiment_score":0.039503548421884235,"num_words":73,"start":362.38,"end":398.3},{"sentences":[{"text":"But I'm I'm fortunate enough to have work on on a couple of days a week.","start":399.345,"end":404.86502,"sentiment":"neutral","sentiment_score":0.22304834239184856},{"text":"We work from home in the office.","start":404.86502,"end":406.885,"sentiment":"neutral","sentiment_score":0.23788003197738103},{"text":"So I'm I get to see them, like, in fortunate.","start":407.505,"end":421.38,"sentiment":"neutral","sentiment_score":0.29494124054908755},{"text":"With your occupation, I have office administration as a bookkeeper at a gym.","start":424.685,"end":431.005,"sentiment":"neutral","sentiment_score":0.08065813779830933},{"text":"Is that right?","start":431.005,"end":431.825,"sentiment":"neutral","sentiment_score":0.04687803114453951}],"sentiment":"neutral","sentiment_score":0.19127624474313795,"num_words":49,"start":399.345,"end":431.825},{"sentences":[{"text":"No?","start":433.965,"end":434.465,"sentiment":"neutral","sentiment_score":-0.01797979325056076},{"text":"Okay.","start":438.1,"end":438.42,"sentiment":"neutral","sentiment_score":0.005453223362565041},{"text":"Everest Electrical.","start":438.42,"end":439.4,"sentiment":"neutral","sentiment_score":0.012760619632899761},{"text":"Yep.","start":440.02,"end":440.5,"sentiment":"neutral","sentiment_score":0.021294228732585907},{"text":"Okay.","start":440.5,"end":441.0,"sentiment":"neutral","sentiment_score":0.019321337342262268}],"sentiment":"neutral","sentiment_score":0.008935039242108664,"num_words":6,"start":433.965,"end":441.0},{"sentences":[{"text":"Okay.","start":447.94,"end":448.44,"sentiment":"neutral","sentiment_score":0.020117003470659256},{"text":"Right.","start":448.5,"end":448.74,"sentiment":"neutral","sentiment_score":0.016145072877407074},{"text":"And I had that that's what that figure is there.","start":448.74,"end":450.61502,"sentiment":"neutral","sentiment_score":0.003172670677304268},{"text":"It's about 14,400.","start":450.61502,"end":452.635,"sentiment":"neutral","sentiment_score":-0.0008145862569411596},{"text":"A year?","start":454.295,"end":454.95502,"sentiment":"neutral","sentiment_score":-0.011919363867491484}],"sentiment":"neutral","sentiment_score":0.002453311565606033,"num_words":17,"start":447.94,"end":454.95502},{"sentences":[{"text":"Yes.","start":456.45502,"end":456.95502,"sentiment":"neutral","sentiment_score":-0.028317108750343323},{"text":"No.","start":458.05502,"end":458.55502,"sentiment":"neutral","sentiment_score":-0.05323504656553269},{"text":"Do you have any yep.","start":458.77502,"end":463.83502,"sentiment":"neutral","sentiment_score":-0.03367172166472301},{"text":"Okay.","start":464.45502,"end":464.95502,"sentiment":"neutral","sentiment_score":0.004090800881385803},{"text":"Okay.","start":465.66998,"end":466.16998,"sentiment":"neutral","sentiment_score":0.0009084036573767662}],"sentiment":"neutral","sentiment_score":-0.027212395455636498,"num_words":9,"start":456.45502,"end":466.16998},{"sentences":[{"text":"And that says a personal trainer?","start":468.71,"end":471.05,"sentiment":"neutral","sentiment_score":0.0018993640939394634},{"text":"Or a bookkeeper.","start":472.62997,"end":473.37,"sentiment":"neutral","sentiment_score":0.011755280817548433},{"text":"Yeah.","start":473.50998,"end":473.75,"sentiment":"neutral","sentiment_score":0.022488320246338844},{"text":"Yeah.","start":473.75,"end":473.99,"sentiment":"neutral","sentiment_score":0.03890872001647949},{"text":"Okay.","start":473.99,"end":474.49,"sentiment":"neutral","sentiment_score":0.08328697085380554}],"sentiment":"neutral","sentiment_score":0.015945503177742164,"num_words":12,"start":468.71,"end":474.49},{"sentences":[{"text":"Beautiful.","start":475.43,"end":475.93,"sentiment":"neutral","sentiment_score":0.18654441833496097},{"text":"Alright.","start":478.515,"end":479.015,"sentiment":"neutral","sentiment_score":0.04996317625045776},{"text":"So you're not making any additional contributions to super besides the 12%.","start":480.355,"end":484.835,"sentiment":"neutral","sentiment_score":-0.01475285030513381},{"text":"Is that right?","start":484.835,"end":485.73502,"sentiment":"neutral","sentiment_score":-0.0010295218477646515},{"text":"No.","start":487.95502,"end":488.195,"sentiment":"neutral","sentiment_score":-0.07037004828453064}],"sentiment":"neutral","sentiment_score":-0.0007769568280006448,"num_words":18,"start":475.43,"end":488.195},{"sentences":[{"text":"That's okay.","start":488.195,"end":489.015,"sentiment":"neutral","sentiment_score":-0.03042734321206808},{"text":"These are just little questions I've just run through to check.","start":490.195,"end":493.61002,"sentiment":"neutral","sentiment_score":-0.0016268404962664301},{"text":"And we have a motor vehicle, a Toyota Kluger, valued at about 20,000.","start":495.59003,"end":500.01,"sentiment":"neutral","sentiment_score":0.016704946326521728},{"text":"Fantastic.","start":528.23,"end":528.73,"sentiment":"positive","sentiment_score":0.7610405683517456},{"text":"That's great.","start":529.58997,"end":530.47,"sentiment":"positive","sentiment_score":0.7633538246154785}],"sentiment":"neutral","sentiment_score":0.08366077889463511,"num_words":29,"start":488.195,"end":530.47},{"sentences":[{"text":"Thank you.","start":530.47,"end":531.20996,"sentiment":"positive","sentiment_score":0.6542347073554993},{"text":"Any other asset or liabilities that you can think of?","start":531.82996,"end":546.825,"sentiment":"neutral","sentiment_score":0.05283125825226307},{"text":"Okay.","start":546.885,"end":547.385,"sentiment":"neutral","sentiment_score":-0.02187933772802353},{"text":"Is that tax?","start":547.525,"end":548.63,"sentiment":"neutral","sentiment_score":-0.029002200191219647},{"text":"Or okay.","start":548.63,"end":554.09,"sentiment":"neutral","sentiment_score":-0.029062824323773384}],"sentiment":"neutral","sentiment_score":0.09276502279357778,"num_words":18,"start":530.47,"end":554.09},{"sentences":[{"text":"Yeah.","start":561.19,"end":561.555,"sentiment":"neutral","sentiment_score":0.014395346865057944},{"text":"Okay.","start":566.515,"end":567.015,"sentiment":"neutral","sentiment_score":0.04123586416244507},{"text":"And that was 17,000, you said?","start":567.635,"end":570.21497,"sentiment":"neutral","sentiment_score":0.020447978749871254},{"text":"18?","start":572.835,"end":573.335,"sentiment":"neutral","sentiment_score":0.007806024514138699},{"text":"Yeah.","start":573.795,"end":574.29,"sentiment":"neutral","sentiment_score":0.01401189249008894}],"sentiment":"neutral","sentiment_score":0.020013700053095818,"num_words":10,"start":561.19,"end":574.29},{"sentences":[{"text":"And how much do you pay off that regularly?","start":574.44995,"end":576.55,"sentiment":"neutral","sentiment_score":-0.0031676646322011948},{"text":"Okay.","start":601.16504,"end":601.47,"sentiment":"neutral","sentiment_score":-0.026133647188544273},{"text":"So Not not out of your personal.","start":601.94995,"end":605.00995,"sentiment":"neutral","sentiment_score":-0.16619169924940383},{"text":"No.","start":605.31,"end":605.81,"sentiment":"neutral","sentiment_score":-0.10391263663768768},{"text":"Okay.","start":605.87,"end":606.37,"sentiment":"neutral","sentiment_score":-0.05308333039283752}],"sentiment":"neutral","sentiment_score":-0.07236739424498458,"num_words":19,"start":574.44995,"end":606.37},{"sentences":[{"text":"Alright.","start":608.11,"end":608.61,"sentiment":"neutral","sentiment_score":-0.03554521128535271},{"text":"Have you ever been declared bankrupt or had a debt agreement?","start":609.31,"end":612.52997,"sentiment":"neutral","sentiment_score":-0.07330837337808176},{"text":"No.","start":614.50995,"end":615.00995,"sentiment":"neutral","sentiment_score":-0.0845150277018547},{"text":"And I have you here as a nonsmoker.","start":615.38995,"end":617.695,"sentiment":"neutral","sentiment_score":-0.052473475923761725},{"text":"Is that right?","start":617.995,"end":618.975,"sentiment":"neutral","sentiment_score":-0.021151280030608177}],"sentiment":"neutral","sentiment_score":-0.05873724973450104,"num_words":24,"start":608.11,"end":618.975},{"sentences":[{"text":"Yeah.","start":620.71497,"end":621.21497,"sentiment":"neutral","sentiment_score":-0.011494121514260767},{"text":"And do you have any significant health issues or take any medication?","start":621.27496,"end":624.89496,"sentiment":"neutral","sentiment_score":-0.06456226762384176},{"text":"Yeah.","start":629.755,"end":630.15,"sentiment":"neutral","sentiment_score":0.0035534854978322983},{"text":"Yeah.","start":630.63,"end":631.13,"sentiment":"neutral","sentiment_score":0.01114323642104864},{"text":"That's yep.","start":631.51,"end":639.61005,"sentiment":"neutral","sentiment_score":-0.016266219317913055}],"sentiment":"neutral","sentiment_score":-0.04729864998337101,"num_words":17,"start":620.71497,"end":639.61005},{"sentences":[{"text":"I understand.","start":639.75,"end":640.49005,"sentiment":"neutral","sentiment_score":-0.037690186873078346},{"text":"Do you have a will and a power of attorney?","start":645.92505,"end":648.745,"sentiment":"neutral","sentiment_score":-0.04722330197691917},{"text":"Yes?","start":654.085,"end":654.585,"sentiment":"neutral","sentiment_score":-0.022241849452257156},{"text":"I understand.","start":662.4,"end":663.22003,"sentiment":"neutral","sentiment_score":0.12406843900680542},{"text":"I understand.","start":663.52,"end":664.26,"sentiment":"neutral","sentiment_score":0.061817020177841187}],"sentiment":"neutral","sentiment_score":-0.011652019094018376,"num_words":17,"start":639.75,"end":664.26},{"sentences":[{"text":"What I can do, if you like, is I can send you just through a brochure for someone that we partner with.","start":664.64,"end":670.96,"sentiment":"neutral","sentiment_score":0.10292175513776866},{"text":"They're very reasonably priced compared to what I've seen in my time when you see lawyers charge for these.","start":670.96,"end":678.695,"sentiment":"neutral","sentiment_score":0.23710271676904277},{"text":"It might be that it's a very simple will that just needs to be replaced, but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide, and it's pretty straightforward.","start":680.435,"end":696.35004,"sentiment":"neutral","sentiment_score":0.19794186971904265},{"text":"You can do it all virtually like we do.","start":696.35004,"end":698.53,"sentiment":"positive","sentiment_score":0.4334150486522251},{"text":"And it's it's usually a pretty quick process if you wanna look into that, which we would definite at least you've got a will.","start":700.03,"end":708.135,"sentiment":"neutral","sentiment_score":0.12895172097099325}],"sentiment":"neutral","sentiment_score":0.1903307370777274,"num_words":116,"start":664.64,"end":708.135},{"sentences":[{"text":"Yeah.","start":709.075,"end":709.575,"sentiment":"neutral","sentiment_score":0.016524063423275948},{"text":"At at least you've got one.","start":710.115,"end":711.495,"sentiment":"neutral","sentiment_score":-0.059273368368546166},{"text":"Yeah.","start":719.75,"end":720.25,"sentiment":"neutral","sentiment_score":-0.03469713032245636},{"text":"So your will doesn't actually expire or anything like that, and it doesn't deal with assets specifically.","start":720.31,"end":727.15497,"sentiment":"neutral","sentiment_score":-0.03968048249097431},{"text":"It's more where you want your estate to go and your wealth to go in the event of your passing.","start":728.095,"end":734.675,"sentiment":"neutral","sentiment_score":0.007212062738835812}],"sentiment":"neutral","sentiment_score":-0.020092004992895655,"num_words":45,"start":709.075,"end":734.675},{"sentences":[{"text":"So if it was set up to go to Timothy, it would still go to Timothy.","start":734.735,"end":738.915,"sentiment":"neutral","sentiment_score":0.009758478961884975},{"text":"The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad.","start":739.35,"end":750.49,"sentiment":"neutral","sentiment_score":-0.1439109248359029},{"text":"Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's how how your wish is followed.","start":752.635,"end":765.43,"sentiment":"neutral","sentiment_score":0.030828790592127724},{"text":"So it's probably worth doing.","start":765.81,"end":767.73,"sentiment":"neutral","sentiment_score":0.2529813081026077},{"text":"I'll send you through that brochure anyhow so you and Timothy can have a look at it.","start":767.73,"end":772.39,"sentiment":"neutral","sentiment_score":0.21966431903488495}],"sentiment":"neutral","sentiment_score":0.003645143177137416,"num_words":117,"start":734.735,"end":772.39},{"sentences":[{"text":"Do you have a power of attorney?","start":774.69,"end":776.31,"sentiment":"neutral","sentiment_score":0.08721584879926272},{"text":"No?","start":780.65497,"end":781.15497,"sentiment":"neutral","sentiment_score":-0.29766911268234253},{"text":"People tend to think that that's how it works.","start":783.615,"end":786.27496,"sentiment":"neutral","sentiment_score":-0.22188086476590899},{"text":"What happens is is a power of attorney covers you if you're unable to make decisions for yourself.","start":787.695,"end":793.44,"sentiment":"neutral","sentiment_score":-0.22929490502509806},{"text":"So it might be you've suffered a medical event and you're unable to make a decision.","start":793.74,"end":800.96,"sentiment":"neutral","sentiment_score":-0.3149391692131758}],"sentiment":"neutral","sentiment_score":-0.2127533519969267,"num_words":51,"start":774.69,"end":800.96},{"sentences":[{"text":"It relates to health decisions and financial decisions.","start":801.98,"end":805.2,"sentiment":"neutral","sentiment_score":-0.21111004427075386},{"text":"So an example would be if you are unable to make a decision or or speak with us.","start":805.98,"end":813.65497,"sentiment":"negative","sentiment_score":-0.34763701922363704},{"text":"A perfect example would be, and, Timothy needed to ring up and claim an insurance policy or see if he can access your super to pay for medical expenses, we're actually legally not allowed to talk to him without that document.","start":813.875,"end":831.72003,"sentiment":"neutral","sentiment_score":-0.22246003532555045},{"text":"Yes.","start":833.06,"end":833.56,"sentiment":"neutral","sentiment_score":-0.025649454444646835},{"text":"And the same goes for him.","start":835.775,"end":837.295,"sentiment":"neutral","sentiment_score":-0.04921913892030716}],"sentiment":"neutral","sentiment_score":-0.23497530319602103,"num_words":74,"start":801.98,"end":837.295},{"sentences":[{"text":"So you wouldn't legally be able to do anything.","start":837.295,"end":840.97504,"sentiment":"neutral","sentiment_score":-0.20898802081743875},{"text":"So if if, for example, you have in individual bank accounts, you the bank won't speak to you.","start":840.97504,"end":847.74,"sentiment":"neutral","sentiment_score":-0.22000280767679214},{"text":"Yeah.","start":851.58,"end":852.08,"sentiment":"neutral","sentiment_score":-0.06729234755039215},{"text":"Yep.","start":853.89996,"end":854.39996,"sentiment":"neutral","sentiment_score":0.045241713523864746},{"text":"Power of attorney.","start":856.77997,"end":857.76,"sentiment":"neutral","sentiment_score":0.02243818591038386}],"sentiment":"neutral","sentiment_score":-0.18111496255733073,"num_words":32,"start":837.295,"end":857.76},{"sentences":[{"text":"Yeah.","start":857.82,"end":858.32,"sentiment":"neutral","sentiment_score":0.008699774742126465},{"text":"Now well, it's not it's not yeah.","start":862.715,"end":865.755,"sentiment":"neutral","sentiment_score":-0.10785468241998128},{"text":"So a power of attorney isn't really linked to passing away.","start":865.755,"end":869.115,"sentiment":"neutral","sentiment_score":-0.13615205883979797},{"text":"It's nominating somebody that you trust to make decisions on your behalf while you're alive if you are unable to do so.","start":869.115,"end":877.25,"sentiment":"neutral","sentiment_score":-0.07849157779392871},{"text":"So it could be health decisions even.","start":877.25,"end":880.47,"sentiment":"neutral","sentiment_score":-0.15196543985179492}],"sentiment":"neutral","sentiment_score":-0.1048860091638441,"num_words":48,"start":857.82,"end":880.47},{"sentences":[{"text":"So an example, an absolute horrible example would be a decision to turn off life life support, or it might be that yourself or Timothy are in aged care and diagnosed with, let's just say, dementia, for example, and you're unable to make decisions.","start":881.01,"end":903.05,"sentiment":"neutral","sentiment_score":-0.29240172085436905},{"text":"So that document would allow that person to act on your behalf.","start":903.27,"end":907.51,"sentiment":"neutral","sentiment_score":-0.08134861228366692},{"text":"So my own, for example, is my husband, and then if he's unable to act, it would be my sister.","start":907.51,"end":914.17,"sentiment":"neutral","sentiment_score":-0.11638946272432804},{"text":"So you're allowed to have you can nominate several.","start":915.485,"end":919.34503,"sentiment":"neutral","sentiment_score":0.1389062578479449},{"text":"And, you know, you can even it can even get a specific to you want someone specifically to make health decision for you and someone else to make financial decisions.","start":919.885,"end":928.86,"sentiment":"neutral","sentiment_score":0.20717529232303303}],"sentiment":"neutral","sentiment_score":-0.07568898460139399,"num_words":115,"start":881.01,"end":928.86},{"sentences":[{"text":"State government departments, like, public trustees.","start":928.86,"end":940.32,"sentiment":"neutral","sentiment_score":0.055703758572538696},{"text":"You can go through, like, state government departments, like, public trustees.","start":940.54,"end":947.20496,"sentiment":"neutral","sentiment_score":0.0624024397270246},{"text":"You will wait a little while likely to get in.","start":947.505,"end":950.32495,"sentiment":"neutral","sentiment_score":0.06996935345232487},{"text":"And they what typically, how they charge is a percentage from the estate, so it's free to set up.","start":951.985,"end":958.44,"sentiment":"neutral","sentiment_score":0.08744559201755021},{"text":"But they'll take a percentage of the estate when the worst does end up happening.","start":958.68,"end":965.82,"sentiment":"neutral","sentiment_score":0.03742035999894142}],"sentiment":"neutral","sentiment_score":0.0646412224798906,"num_words":61,"start":928.86,"end":965.82},{"sentences":[{"text":"So I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer.","start":966.2,"end":978.655,"sentiment":"neutral","sentiment_score":0.1360217472820571},{"text":"So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too.","start":979.035,"end":989.64,"sentiment":"neutral","sentiment_score":0.1588675208389759},{"text":"So you can have them both set up in the one with the one in the one place.","start":989.64,"end":993.58,"sentiment":"neutral","sentiment_score":0.14570144729481804},{"text":"No.","start":996.12,"end":996.36,"sentiment":"neutral","sentiment_score":0.2187921404838562},{"text":"That's absolutely fine.","start":996.36,"end":997.74,"sentiment":"neutral","sentiment_score":0.2988308072090149}],"sentiment":"neutral","sentiment_score":0.15285475175170338,"num_words":85,"start":966.2,"end":997.74},{"sentences":[{"text":"Okay.","start":999.055,"end":999.555,"sentiment":"positive","sentiment_score":0.3443181812763214},{"text":"I'm gonna touch quickly on your goals and objectives that we have on file from last time.","start":999.775,"end":1008.675,"sentiment":"positive","sentiment_score":0.3386388368466321},{"text":"One of them was that you would love to travel to The UK next Christmas as you have family there and then go to Greece to spread your father in law's ashes.","start":1009.535,"end":1018.51996,"sentiment":"neutral","sentiment_score":0.32830224512144923},{"text":"Did you achieve that?","start":1021.14,"end":1023.64,"sentiment":"neutral","sentiment_score":0.2811388894915581},{"text":"Okay.","start":1028.705,"end":1029.1849,"sentiment":"neutral","sentiment_score":0.09748119115829468}],"sentiment":"neutral","sentiment_score":0.3241615818305449,"num_words":55,"start":999.055,"end":1029.1849},{"sentences":[{"text":"For yep.","start":1029.1849,"end":1030.485,"sentiment":"neutral","sentiment_score":0.10800669714808464},{"text":"Okay.","start":1038.5449,"end":1038.96,"sentiment":"neutral","sentiment_score":0.17505952715873718},{"text":"Okay.","start":1045.36,"end":1045.76,"sentiment":"neutral","sentiment_score":0.0744452029466629},{"text":"So okay.","start":1045.76,"end":1047.62,"sentiment":"neutral","sentiment_score":0.07466377690434456},{"text":"So should I add on all The Caribbean?","start":1047.84,"end":1049.62,"sentiment":"neutral","sentiment_score":0.0831654560752213}],"sentiment":"neutral","sentiment_score":0.09144066620085921,"num_words":14,"start":1029.1849,"end":1049.62},{"sentences":[{"text":"Okay.","start":1054.64,"end":1054.935,"sentiment":"neutral","sentiment_score":0.07998925447463989},{"text":"Okay.","start":1055.0951,"end":1055.175,"sentiment":"neutral","sentiment_score":0.0775376632809639},{"text":"2027.","start":1055.175,"end":1056.3151,"sentiment":"neutral","sentiment_score":0.13227644562721252},{"text":"Fantastic.","start":1056.6151,"end":1057.1151,"sentiment":"positive","sentiment_score":0.5648446679115295},{"text":"I also have that you need to finish the renovations at Home and need to about 100,000 to do this.","start":1058.8551,"end":1065.9951,"sentiment":"neutral","sentiment_score":0.2650459885597229}],"sentiment":"neutral","sentiment_score":0.25648199177036685,"num_words":24,"start":1054.64,"end":1065.9951},{"sentences":[{"text":"Is that still something that you are working towards?","start":1069.415,"end":1072.43,"sentiment":"neutral","sentiment_score":0.19916186233361563},{"text":"Yep.","start":1074.25,"end":1074.75,"sentiment":"neutral","sentiment_score":0.10129430145025252},{"text":"Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and yep.","start":1075.85,"end":1085.0701,"sentiment":"neutral","sentiment_score":0.05543824409445127},{"text":"Okay.","start":1086.395,"end":1086.895,"sentiment":"neutral","sentiment_score":0.052163951098918915},{"text":"Yeah.","start":1091.6749,"end":1092.1549,"sentiment":"neutral","sentiment_score":0.09902768582105637}],"sentiment":"neutral","sentiment_score":0.09376279326776664,"num_words":36,"start":1069.415,"end":1092.1549},{"sentences":[{"text":"I think this is a retirement goal one.","start":1092.1549,"end":1094.715,"sentiment":"neutral","sentiment_score":0.19805270805954933},{"text":"Sorry.","start":1094.715,"end":1095.0349,"sentiment":"neutral","sentiment_score":-0.02729519084095955},{"text":"There's no link here for me to see.","start":1095.0349,"end":1102.1755,"sentiment":"neutral","sentiment_score":-0.10528102517127991},{"text":"But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel.","start":1102.1755,"end":1114.115,"sentiment":"neutral","sentiment_score":0.3310620581231466},{"text":"Is that now, like, a current lifestyle goal now, or is that more to so that's now?","start":1114.115,"end":1121.335,"sentiment":"neutral","sentiment_score":0.1274628216291175}],"sentiment":"neutral","sentiment_score":0.21940387497345606,"num_words":75,"start":1092.1549,"end":1121.335},{"sentences":[{"text":"Yep.","start":1124.355,"end":1124.835,"sentiment":"neutral","sentiment_score":0.11778633296489716},{"text":"Okay.","start":1124.835,"end":1125.335,"sentiment":"neutral","sentiment_score":0.16354531049728394},{"text":"Yeah.","start":1137.8,"end":1138.2,"sentiment":"neutral","sentiment_score":0.10278287529945374},{"text":"Yeah.","start":1138.2,"end":1138.7,"sentiment":"neutral","sentiment_score":0.12697122991085052},{"text":"I understand that.","start":1138.76,"end":1140.0599,"sentiment":"neutral","sentiment_score":0.1250833123922348}],"sentiment":"neutral","sentiment_score":0.1266193836927414,"num_words":7,"start":1124.355,"end":1140.0599},{"sentences":[{"text":"With your superannuation, you've said that you wanna be in a strong performing platform with good investments for growth and active management to try and mitigate losses where possible.","start":1143.165,"end":1155.25,"sentiment":"neutral","sentiment_score":0.22253504498251553},{"text":"Is that still relevant?","start":1155.63,"end":1157.49,"sentiment":"neutral","sentiment_score":0.06216877792030573},{"text":"With your super rate superannuation fund, it says that you wanna be in a strong performing platform with good investments for growth and active management, retirement goal, I have you wanting to retire between the ages of 60 to 65 years old with an income of 2,000 per week.","start":1160.35,"end":1192.3201,"sentiment":"neutral","sentiment_score":0.11852970301192634},{"text":"Yeah?","start":1194.4601,"end":1194.885,"sentiment":"neutral","sentiment_score":0.05741770192980766},{"text":"Is that 2,000 for you and Timothy?","start":1194.965,"end":1198.105,"sentiment":"neutral","sentiment_score":0.039165208116173744}],"sentiment":"neutral","sentiment_score":0.14268578913890653,"num_words":90,"start":1143.165,"end":1198.105},{"sentences":[{"text":"Yeah.","start":1205.4451,"end":1205.9451,"sentiment":"neutral","sentiment_score":-0.095479354262352},{"text":"Mhmm.","start":1212.05,"end":1212.55,"sentiment":"neutral","sentiment_score":-0.045842159539461136},{"text":"Yeah.","start":1212.61,"end":1213.0901,"sentiment":"neutral","sentiment_score":-0.023729555308818817},{"text":"Uh-huh.","start":1213.0901,"end":1213.41,"sentiment":"neutral","sentiment_score":-0.022301778197288513},{"text":"Yep.","start":1213.41,"end":1213.91,"sentiment":"neutral","sentiment_score":-0.002041589468717575}],"sentiment":"neutral","sentiment_score":-0.03787888735532761,"num_words":5,"start":1205.4451,"end":1213.91},{"sentences":[{"text":"Per week.","start":1214.77,"end":1215.5701,"sentiment":"neutral","sentiment_score":-0.013480835128575563},{"text":"Okay.","start":1215.5701,"end":1216.0701,"sentiment":"neutral","sentiment_score":-0.009429018944501877},{"text":"Combined with mortgage.","start":1216.4501,"end":1218.31,"sentiment":"neutral","sentiment_score":-0.03327762025098006},{"text":"The paid.","start":1218.61,"end":1219.35,"sentiment":"neutral","sentiment_score":-0.04496019519865513},{"text":"I guess with the that probably leads me into a different question or a different conversation as well.","start":1220.235,"end":1226.255,"sentiment":"neutral","sentiment_score":-0.05994241891635789}],"sentiment":"neutral","sentiment_score":-0.05019644157101329,"num_words":26,"start":1214.77,"end":1226.255},{"sentences":[{"text":"With your home and the long term plans, with the kids getting older, What is yours and Timothy's plans with the home?","start":1226.955,"end":1237.99,"sentiment":"neutral","sentiment_score":-0.026117398488250645},{"text":"Would you be looking to downsize at any point in time?","start":1237.99,"end":1241.19,"sentiment":"neutral","sentiment_score":-0.08571968363089995},{"text":"Would you be what have you thought about those types of Yep.","start":1241.19,"end":1268.78,"sentiment":"neutral","sentiment_score":-0.1503647230565548},{"text":"Yep.","start":1283.655,"end":1284.155,"sentiment":"neutral","sentiment_score":0.023697569966316223},{"text":"Okay.","start":1284.295,"end":1284.795,"sentiment":"neutral","sentiment_score":0.023337846621870995}],"sentiment":"neutral","sentiment_score":-0.06967745844195498,"num_words":47,"start":1226.955,"end":1284.795},{"sentences":[{"text":"And is Timothy self employed?","start":1285.3,"end":1287.38,"sentiment":"neutral","sentiment_score":0.019050220772624017},{"text":"Sorry.","start":1287.38,"end":1287.54,"sentiment":"neutral","sentiment_score":-0.09981308877468108},{"text":"I just don't know much about Timothy from these notes.","start":1287.54,"end":1290.02,"sentiment":"neutral","sentiment_score":-0.08401078134775161},{"text":"I'm just trying he is.","start":1290.02,"end":1291.64,"sentiment":"neutral","sentiment_score":0.026582908630371094},{"text":"Okay.","start":1292.9,"end":1293.4,"sentiment":"neutral","sentiment_score":0.04970508813858032}],"sentiment":"neutral","sentiment_score":-0.030093189413574608,"num_words":22,"start":1285.3,"end":1293.4},{"sentences":[{"text":"So his income, you said, is about 71, around the same as yours.","start":1293.54,"end":1298.34,"sentiment":"neutral","sentiment_score":0.05450436358268444},{"text":"Does he get any additional income of any additional income of any sort?","start":1298.34,"end":1301.635,"sentiment":"neutral","sentiment_score":0.0017865086690737652},{"text":"Yep.","start":1304.975,"end":1305.475,"sentiment":"neutral","sentiment_score":0.0768950879573822},{"text":"Yep.","start":1307.0549,"end":1307.5549,"sentiment":"neutral","sentiment_score":0.14826855063438416},{"text":"Okay.","start":1318.3401,"end":1318.8401,"sentiment":"neutral","sentiment_score":0.1325855851173401}],"sentiment":"neutral","sentiment_score":0.037570019413171146,"num_words":29,"start":1293.54,"end":1318.8401},{"sentences":[{"text":"No worries.","start":1318.98,"end":1319.7201,"sentiment":"neutral","sentiment_score":0.14125565439462662},{"text":"Okay.","start":1321.14,"end":1321.64,"sentiment":"neutral","sentiment_score":0.22028891742229464},{"text":"Alright.","start":1322.1,"end":1322.6,"sentiment":"neutral","sentiment_score":0.32856234908103943},{"text":"So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what we if there's anything that we can do or action to assist.","start":1323.14,"end":1354.88,"sentiment":"neutral","sentiment_score":0.21369909401983023},{"text":"So I'll leave those there.","start":1355.1,"end":1356.7,"sentiment":"neutral","sentiment_score":0.16951395869255065}],"sentiment":"neutral","sentiment_score":0.2105255943130363,"num_words":77,"start":1318.98,"end":1356.7},{"sentences":[{"text":"Outside of those goals and objectives, is there anything else that you're wanting to achieve in the next short to long term?","start":1356.7,"end":1366.2251,"sentiment":"neutral","sentiment_score":0.1609424494884231},{"text":"Yep.","start":1373.0851,"end":1373.46,"sentiment":"neutral","sentiment_score":0.055762361735105515},{"text":"Yeah.","start":1384.34,"end":1384.84,"sentiment":"neutral","sentiment_score":0.10329566150903702},{"text":"Understand.","start":1388.1,"end":1388.6,"sentiment":"neutral","sentiment_score":0.07296845316886902},{"text":"Understand.","start":1389.025,"end":1389.525,"sentiment":"neutral","sentiment_score":0.05195542424917221}],"sentiment":"neutral","sentiment_score":0.14710445343874967,"num_words":26,"start":1356.7,"end":1389.525},{"sentences":[{"text":"Okay.","start":1389.905,"end":1390.385,"sentiment":"neutral","sentiment_score":0.07707863301038742},{"text":"So with your insurances, you have life TPD and income protection.","start":1390.385,"end":1396.645,"sentiment":"neutral","sentiment_score":0.06465492770075798},{"text":"That's through your superannuation fund that's paid for.","start":1398.065,"end":1401.845,"sentiment":"neutral","sentiment_score":0.07282697199843824},{"text":"And your life insurance and TPD sum insured is just over 1,500,000.","start":1403.5499,"end":1410.61,"sentiment":"neutral","sentiment_score":0.0020979835341374074},{"text":"So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries.","start":1410.83,"end":1425.035,"sentiment":"neutral","sentiment_score":0.0492269397877595}],"sentiment":"neutral","sentiment_score":0.046511975286359135,"num_words":66,"start":1389.905,"end":1425.035},{"sentences":[{"text":"Is that how is is that are you happy with that level of cover?","start":1427.895,"end":1432.055,"sentiment":"positive","sentiment_score":0.3386244901588985},{"text":"Did you need to increase it?","start":1432.055,"end":1433.96,"sentiment":"neutral","sentiment_score":-0.04834276592979828},{"text":"Yep.","start":1434.74,"end":1435.24,"sentiment":"neutral","sentiment_score":-0.05573536455631256},{"text":"Mhmm.","start":1446.5,"end":1446.735,"sentiment":"neutral","sentiment_score":-0.15854068100452423},{"text":"Yep.","start":1449.775,"end":1450.1749,"sentiment":"neutral","sentiment_score":0.07675020396709442}],"sentiment":"neutral","sentiment_score":0.1875287141326977,"num_words":23,"start":1427.895,"end":1450.1749},{"sentences":[{"text":"Okay.","start":1450.1749,"end":1450.575,"sentiment":"neutral","sentiment_score":0.0809457078576088},{"text":"So on that note, we have your beneficiary nominations for your super and your life insurance being 50% to Timothy and 25% to Kobe and 25% to Kiani.","start":1450.575,"end":1466.42,"sentiment":"neutral","sentiment_score":0.0804491052404046},{"text":"Did you want to leave them that way, or did you want to have Timothy as the beneficiary so the debts repaid?","start":1466.96,"end":1474.02,"sentiment":"neutral","sentiment_score":0.0038041173141788354},{"text":"What was he'll get half of your superannuation balance and half of your life insurance proceeds.","start":1476.0,"end":1492.6699,"sentiment":"neutral","sentiment_score":-0.0014383461966644973},{"text":"So what that's another thing with a will.","start":1496.8899,"end":1500.19,"sentiment":"neutral","sentiment_score":0.017155816545709968}],"sentiment":"neutral","sentiment_score":0.0337525897162656,"num_words":75,"start":1450.1749,"end":1500.19},{"sentences":[{"text":"Now that your one of your children is 18 and the other one is 18 in twelve months' time, when funds are paid from when adult children are a beneficiary of a superannuation fund, they pay it is they pay tax.","start":1501.69,"end":1523.6901,"sentiment":"neutral","sentiment_score":-0.004399624085280954},{"text":"There's a taxable element on it.","start":1523.6901,"end":1525.87,"sentiment":"neutral","sentiment_score":-0.009809599568446478},{"text":"With Timothy, it's tax free because he's your spouse.","start":1526.65,"end":1531.15,"sentiment":"neutral","sentiment_score":0.06504280782408184},{"text":"And any tax any tax to Tim would be minimal as opposed to your adult children.","start":1533.7051,"end":1541.805,"sentiment":"neutral","sentiment_score":0.01640636706724763},{"text":"So that that's how as well your will will link into this.","start":1542.3451,"end":1547.4,"sentiment":"neutral","sentiment_score":0.10942081486185391}],"sentiment":"neutral","sentiment_score":0.022877318296758903,"num_words":84,"start":1501.69,"end":1547.4},{"sentences":[{"text":"If it goes to Tim Timothy, sorry, then the will would then dictate what happens with the remainder of the estate.","start":1547.4,"end":1558.1649,"sentiment":"neutral","sentiment_score":0.037233338913037664},{"text":"So if you do your wills in conjunction with each other, if one of you pass first, usually, most couples' wills are mirrored.","start":1558.1649,"end":1569.09,"sentiment":"neutral","sentiment_score":0.06346447142245977},{"text":"Yes.","start":1570.0499,"end":1570.5499,"sentiment":"neutral","sentiment_score":-0.0042714932933449745},{"text":"Yeah.","start":1573.89,"end":1574.39,"sentiment":"neutral","sentiment_score":0.13402195274829865},{"text":"I can make, yeah, I can make those we'll get some forms sent out for you to sign.","start":1576.61,"end":1581.825,"sentiment":"neutral","sentiment_score":0.24328353421555626}],"sentiment":"neutral","sentiment_score":0.10547557867539581,"num_words":64,"start":1547.4,"end":1581.825},{"sentences":[{"text":"That would they do need to be signed.","start":1581.985,"end":1583.825,"sentiment":"neutral","sentiment_score":0.04333694325760007},{"text":"So we'll do we'll make that an action item post this meeting.","start":1583.825,"end":1587.0449,"sentiment":"neutral","sentiment_score":0.11244369794925053},{"text":"Alright.","start":1590.1449,"end":1590.5449,"sentiment":"neutral","sentiment_score":0.08026516437530518},{"text":"So I've done that.","start":1590.5449,"end":1591.825,"sentiment":"neutral","sentiment_score":0.09865131415426731},{"text":"What I'm gonna do now, Lee, is do you have access to your emails at all?","start":1591.825,"end":1595.92,"sentiment":"neutral","sentiment_score":0.03797690907958895}],"sentiment":"neutral","sentiment_score":0.06776880213945377,"num_words":41,"start":1581.985,"end":1595.92},{"sentences":[{"text":"Yeah.","start":1597.42,"end":1597.92,"sentiment":"neutral","sentiment_score":0.08767369389533997},{"text":"I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there.","start":1598.22,"end":1616.625,"sentiment":"neutral","sentiment_score":0.15560276558001837},{"text":"So when you receive that email, the option is sign documents.","start":1616.625,"end":1622.485,"sentiment":"neutral","sentiment_score":0.07663807848637755},{"text":"If you just click on that, that's gonna open up the documents.","start":1622.5449,"end":1625.7,"sentiment":"neutral","sentiment_score":0.05307230974237124},{"text":"You're not signing anything at the moment.","start":1625.76,"end":1627.86,"sentiment":"neutral","sentiment_score":-0.20508806939635957}],"sentiment":"neutral","sentiment_score":0.08857788065714496,"num_words":70,"start":1597.42,"end":1627.86},{"sentences":[{"text":"We're just gonna talk through them, and then we'll go from there.","start":1627.9199,"end":1632.6599,"sentiment":"neutral","sentiment_score":-0.03426622125941018},{"text":"Okay.","start":1635.84,"end":1636.155,"sentiment":"neutral","sentiment_score":0.2638883888721466},{"text":"Lovely.","start":1636.875,"end":1637.275,"sentiment":"positive","sentiment_score":0.43727749586105347},{"text":"So let me know when you've got those documents open.","start":1637.275,"end":1639.775,"sentiment":"neutral","sentiment_score":0.1802089534699917},{"text":"Fantastic.","start":1642.555,"end":1643.055,"sentiment":"positive","sentiment_score":0.5985749959945679}],"sentiment":"neutral","sentiment_score":0.1076254304125905,"num_words":25,"start":1627.9199,"end":1643.055},{"sentences":[{"text":"So the first document you should see is a summary of your super and insurance.","start":1643.675,"end":1648.095,"sentiment":"neutral","sentiment_score":0.23069989085197448},{"text":"So you will note it's dated as of the August 26.","start":1648.155,"end":1651.275,"sentiment":"neutral","sentiment_score":0.10162185471166264},{"text":"So that was when our our original appointment was.","start":1651.275,"end":1654.3201,"sentiment":"neutral","sentiment_score":0.0439099431451824},{"text":"So I do apologize for it being probably nearly a month down.","start":1654.3201,"end":1659.54,"sentiment":"neutral","sentiment_score":-0.1448932190736135},{"text":"No.","start":1660.0,"end":1660.4,"sentiment":"neutral","sentiment_score":-0.14289329946041107}],"sentiment":"neutral","sentiment_score":0.06441492342855781,"num_words":48,"start":1643.675,"end":1660.4},{"sentences":[{"text":"No.","start":1660.4,"end":1660.9,"sentiment":"neutral","sentiment_score":-0.1488625407218933},{"text":"No.","start":1661.4401,"end":1661.8401,"sentiment":"neutral","sentiment_score":-0.17378512024879456},{"text":"I completely understand.","start":1661.8401,"end":1662.9601,"sentiment":"neutral","sentiment_score":-0.10997896144787471},{"text":"I like I like flexibility.","start":1662.9601,"end":1664.26,"sentiment":"neutral","sentiment_score":0.12442818284034729},{"text":"So if we can be flexible, that's always the goal with our client.","start":1664.4,"end":1668.595,"sentiment":"neutral","sentiment_score":0.18037396268202707}],"sentiment":"neutral","sentiment_score":0.10062686451103377,"num_words":23,"start":1660.4,"end":1668.595},{"sentences":[{"text":"So it's showing that then your balance was sitting at about a $195,877 rounded up.","start":1669.455,"end":1680.115,"sentiment":"neutral","sentiment_score":0.056660994638999304},{"text":"And then as I mentioned earlier, your life and TPD insurance, your sums insured.","start":1680.51,"end":1685.5701,"sentiment":"neutral","sentiment_score":0.049208992826087136},{"text":"And you also have an income protection policy, which will cover you for $3,788 a month if you're unable to work due to injury or illness.","start":1686.11,"end":1696.5249,"sentiment":"neutral","sentiment_score":0.020897339169795696},{"text":"Now that is calculated as 70% of your taxable income.","start":1697.1449,"end":1701.245,"sentiment":"neutral","sentiment_score":0.03383351601660252},{"text":"So but you're some insured.","start":1702.105,"end":1704.9249,"sentiment":"neutral","sentiment_score":-0.024477404728531837}],"sentiment":"neutral","sentiment_score":0.03283028248697519,"num_words":70,"start":1669.455,"end":1704.9249},{"sentences":[{"text":"So I am just checking to make sure that we're pretty on par with that.","start":1705.1449,"end":1710.55,"sentiment":"neutral","sentiment_score":0.006965431074301402},{"text":"Yep.","start":1726.625,"end":1726.945,"sentiment":"neutral","sentiment_score":-0.1278373897075653},{"text":"Okay.","start":1726.945,"end":1727.345,"sentiment":"neutral","sentiment_score":-0.12366372346878052},{"text":"So the maximum sum insured you can get is $4,141 a month.","start":1727.345,"end":1732.8849,"sentiment":"neutral","sentiment_score":-0.1324614149828752},{"text":"I would definitely not recommend getting rid of it.","start":1733.4249,"end":1737.78,"sentiment":"negative","sentiment_score":-0.6591400835249159}],"sentiment":"neutral","sentiment_score":-0.20181098364685712,"num_words":38,"start":1705.1449,"end":1737.78},{"sentences":[{"text":"The reason being is it is usually one of the main policy it is the most policy that's claimed upon.","start":1738.02,"end":1747.0,"sentiment":"neutral","sentiment_score":-0.3131425864994526},{"text":"And given that if you were unable to work due to injury or illness, you would have no source of income.","start":1748.26,"end":1757.745,"sentiment":"negative","sentiment_score":-0.44784094322295415},{"text":"So that financial stress of mortgage repayments and debt repayments is only gonna compound.","start":1758.045,"end":1765.985,"sentiment":"negative","sentiment_score":-0.48750478667872293},{"text":"At least this way, you have some level of protection.","start":1766.76,"end":1769.9,"sentiment":"neutral","sentiment_score":-0.2389809310436249},{"text":"Yeah.","start":1773.48,"end":1773.8,"sentiment":"neutral","sentiment_score":-0.01051883026957512}],"sentiment":"negative","sentiment_score":-0.3771652529072581,"num_words":66,"start":1738.02,"end":1773.8},{"sentences":[{"text":"It I totally understand.","start":1773.8,"end":1775.88,"sentiment":"neutral","sentiment_score":0.026595666073262688},{"text":"So your superannuation fund is paying for that premium.","start":1775.88,"end":1778.7001,"sentiment":"neutral","sentiment_score":-0.07218856116135915},{"text":"At the moment, it's not coming out of your personal cash flow.","start":1779.0801,"end":1782.14,"sentiment":"neutral","sentiment_score":-0.18878960236907005},{"text":"That I would strongly recommend def definitely not canceling it.","start":1783.735,"end":1788.935,"sentiment":"neutral","sentiment_score":-0.06025506258010864},{"text":"It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in the event of repaying debt and those types of things because you'd be solely relying on Timothy's wage then.","start":1788.935,"end":1814.135,"sentiment":"neutral","sentiment_score":-0.10092194458808411}],"sentiment":"neutral","sentiment_score":-0.09939121268689632,"num_words":79,"start":1773.8,"end":1814.135},{"sentences":[{"text":"Yeah.","start":1814.675,"end":1815.175,"sentiment":"neutral","sentiment_score":0.04583663493394852},{"text":"So I can look at I can look at bumping it up to a maximum of $4,141 a month if you want me to.","start":1815.395,"end":1823.64,"sentiment":"neutral","sentiment_score":0.01581670526259889},{"text":"You'd have to go through underwriting.","start":1823.88,"end":1825.42,"sentiment":"neutral","sentiment_score":-0.06480237655341625},{"text":"So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires.","start":1825.56,"end":1832.22,"sentiment":"neutral","sentiment_score":-0.031475900539330075},{"text":"That process would need to occur for that increase.","start":1833.16,"end":1836.38,"sentiment":"neutral","sentiment_score":-0.05858941417601374}],"sentiment":"neutral","sentiment_score":-0.01887992355728247,"num_words":61,"start":1814.675,"end":1836.38},{"sentences":[{"text":"And okay.","start":1837.72,"end":1842.685,"sentiment":"neutral","sentiment_score":0.05904266983270646},{"text":"Okay.","start":1842.9451,"end":1843.4451,"sentiment":"neutral","sentiment_score":0.20653513073921204},{"text":"It is.","start":1850.305,"end":1850.865,"sentiment":"neutral","sentiment_score":-0.019869664683938026},{"text":"It is.","start":1850.865,"end":1851.505,"sentiment":"neutral","sentiment_score":0.04241216741502285},{"text":"But the option at least you know the options there.","start":1851.505,"end":1853.82,"sentiment":"neutral","sentiment_score":-0.004425442218780518}],"sentiment":"neutral","sentiment_score":0.01914417962817585,"num_words":17,"start":1837.72,"end":1853.82},{"sentences":[{"text":"So if you do have a think about it and you change your mind, you just phone back or send an email, whatever, and I'll get in contact with you again.","start":1854.38,"end":1863.2799,"sentiment":"neutral","sentiment_score":0.1336598057420023},{"text":"The that's okay.","start":1865.2599,"end":1866.62,"sentiment":"neutral","sentiment_score":0.19645259777704874},{"text":"And then the next policy you have down is a trauma policy with a small life policy attached, and that's costing you $19.02 per month, and that does come from your personal cash flow.","start":1866.62,"end":1879.495,"sentiment":"neutral","sentiment_score":-0.11394319234087187},{"text":"So that's deducted from most likely a bank account or a credit card.","start":1879.715,"end":1884.23,"sentiment":"neutral","sentiment_score":-0.1012061398762923},{"text":"Fantastic.","start":1887.8099,"end":1888.3099,"sentiment":"positive","sentiment_score":0.5574583411216736}],"sentiment":"neutral","sentiment_score":0.0012258750545542415,"num_words":82,"start":1854.38,"end":1888.3099},{"sentences":[{"text":"Alright.","start":1889.09,"end":1889.59,"sentiment":"neutral","sentiment_score":0.06334719061851501},{"text":"So what so the reason why the life is attached to the trauma, believe it or not, if you purchase trauma on its own, the premium is significantly higher.","start":1892.85,"end":1904.245,"sentiment":"neutral","sentiment_score":-0.17471186020250978},{"text":"If you attach a life policy that is a smaller that matches the amount of the trauma policy.","start":1904.245,"end":1911.14,"sentiment":"neutral","sentiment_score":-0.0918833894862069},{"text":"It actually discounts it.","start":1911.14,"end":1912.76,"sentiment":"neutral","sentiment_score":-0.11433723755180836},{"text":"Very backward way of doing it, but they do it.","start":1913.0599,"end":1915.62,"sentiment":"neutral","sentiment_score":-0.1508082091808319}],"sentiment":"neutral","sentiment_score":-0.1390746581938959,"num_words":62,"start":1889.09,"end":1915.62},{"sentences":[{"text":"So what so, basically, what it means is you've got an additional life insurance there of $54,838.","start":1915.62,"end":1923.08,"sentiment":"neutral","sentiment_score":-0.05151177471613183},{"text":"So what life buyback means is if if you do claim on that trauma policy, if you are diagnosed with a specific illness or diagnosis, you do have the ability to buy that life insurance, some insured back after a twelve month period.","start":1923.855,"end":1942.84,"sentiment":"neutral","sentiment_score":-0.010043662084743034},{"text":"That's what that means.","start":1942.84,"end":1943.98,"sentiment":"neutral","sentiment_score":0.02571769617497921},{"text":"That's that's absolutely fine.","start":1950.12,"end":1952.1399,"sentiment":"positive","sentiment_score":0.3756282329559326},{"text":"The next document is your performance report, so for the last twelve months.","start":1954.0651,"end":1958.805,"sentiment":"neutral","sentiment_score":-0.0002361424267292024}],"sentiment":"neutral","sentiment_score":0.0036387188291108173,"num_words":81,"start":1915.62,"end":1958.805},{"sentences":[{"text":"The first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund.","start":1959.905,"end":1966.485,"sentiment":"neutral","sentiment_score":-0.061353266563104546},{"text":"You'll see some negative figures.","start":1966.88,"end":1968.66,"sentiment":"neutral","sentiment_score":-0.17314415723085402},{"text":"The bet yes.","start":1970.4,"end":1971.9401,"sentiment":"neutral","sentiment_score":-0.046261380116144814},{"text":"Yes.","start":1972.0801,"end":1972.5801,"sentiment":"neutral","sentiment_score":-0.004296736791729927},{"text":"So the Bennelong Australian Equities Fund, our our investment committee as approach is not to be reactive to negative performance because the market does have its ups and downs.","start":1972.7201,"end":1988.075,"sentiment":"neutral","sentiment_score":-0.05750292812570416}],"sentiment":"neutral","sentiment_score":-0.06700838868674196,"num_words":61,"start":1959.905,"end":1988.075},{"sentences":[{"text":"Yep.","start":1988.855,"end":1989.355,"sentiment":"neutral","sentiment_score":0.005454578902572393},{"text":"Yep.","start":1989.655,"end":1990.155,"sentiment":"neutral","sentiment_score":-0.0024589754175394773},{"text":"When things become, let's call it systemic or long term, that's when we start to review specific funds.","start":1990.375,"end":1998.57,"sentiment":"neutral","sentiment_score":-0.06467798186673059},{"text":"So the Australian share market itself has not performed badly in the last twelve months.","start":1999.19,"end":2004.47,"sentiment":"negative","sentiment_score":-0.33491706252098086},{"text":"I mean, we've had a bit of a fluctuation in the last couple of weeks, but over the long term, they the Australian share market's done pretty well.","start":2004.47,"end":2014.345,"sentiment":"neutral","sentiment_score":0.10249114888054985}],"sentiment":"neutral","sentiment_score":-0.05262241014722912,"num_words":63,"start":1988.855,"end":2014.345},{"sentences":[{"text":"The the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth.","start":2014.6449,"end":2029.8201,"sentiment":"neutral","sentiment_score":-0.2138702804222703},{"text":"So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued.","start":2030.04,"end":2040.295,"sentiment":"neutral","sentiment_score":-0.08871548703831175},{"text":"So then along their investment mandate just hasn't, you know, hit hit the mark for them.","start":2040.675,"end":2049.335,"sentiment":"neutral","sentiment_score":-0.14666833635419607},{"text":"So what we're doing is as a company and and in our investment committee, we're looking at replacing Ben along with alternative suit suitable alternative if clients are happy for us to look at that for them.","start":2049.475,"end":2068.335,"sentiment":"neutral","sentiment_score":0.03846807420455121},{"text":"Well, we're just yeah.","start":2072.195,"end":2073.955,"sentiment":"neutral","sentiment_score":0.05618040729314089}],"sentiment":"neutral","sentiment_score":-0.0756922686436715,"num_words":104,"start":2014.6449,"end":2073.955},{"sentences":[{"text":"No.","start":2073.955,"end":2074.195,"sentiment":"neutral","sentiment_score":0.048899658024311066},{"text":"We're here to partner with you and just educate.","start":2074.195,"end":2077.355,"sentiment":"neutral","sentiment_score":0.23066493537690905},{"text":"I think education is the most important thing.","start":2077.355,"end":2080.8398,"sentiment":"neutral","sentiment_score":0.2750557027757168},{"text":"We definitely are here in the background to make sure the portfolios are structured the way that they should be.","start":2081.42,"end":2087.52,"sentiment":"neutral","sentiment_score":0.29461738392710685},{"text":"But I also like to educate clients along the way as to why we're thinking certain things because it does provide a level of comfort and understanding.","start":2088.3,"end":2098.0752,"sentiment":"positive","sentiment_score":0.35913036818857547}],"sentiment":"neutral","sentiment_score":0.30637226643470616,"num_words":65,"start":2073.955,"end":2098.0752},{"sentences":[{"text":"Yep.","start":2100.215,"end":2100.715,"sentiment":"neutral","sentiment_score":0.13292834162712097},{"text":"The other there's two other funds in this portfolio that I wanna just touch on briefly as well.","start":2101.8152,"end":2107.675,"sentiment":"neutral","sentiment_score":0.1073496395515071},{"text":"The the second one is the Beta Bank hybrid fund.","start":2108.06,"end":2111.66,"sentiment":"neutral","sentiment_score":0.0870330348610878},{"text":"That's the second one down.","start":2111.66,"end":2113.1199,"sentiment":"neutral","sentiment_score":0.07436591982841492},{"text":"Nothing wrong with that fund at all, but the Australian banking system is phasing out the hybrid options from January 2027.","start":2113.98,"end":2123.835,"sentiment":"neutral","sentiment_score":-0.00787474498862312}],"sentiment":"neutral","sentiment_score":0.057127493755383923,"num_words":55,"start":2100.215,"end":2123.835},{"sentences":[{"text":"What I've been doing with the clients I'm working with is proactively reviewing these.","start":2124.775,"end":2131.9148,"sentiment":"neutral","sentiment_score":0.04968958308121988},{"text":"I don't have a crystal ball, and I don't know what's gonna happen to these hybrids or how they're gonna be valued come January 20 '27.","start":2132.295,"end":2141.6,"sentiment":"neutral","sentiment_score":-0.07734809212314968},{"text":"So what I'm doing is I'm working with clients to look at reviewing for alternative options, getting a little bit more proactive in that approach because I just don't know what's gonna happen there.","start":2141.6,"end":2153.835,"sentiment":"neutral","sentiment_score":0.02190770148573553},{"text":"Yep.","start":2155.575,"end":2156.075,"sentiment":"neutral","sentiment_score":0.1547524631023407},{"text":"And then thank you.","start":2156.4548,"end":2159.015,"sentiment":"neutral","sentiment_score":0.30693021789193153}],"sentiment":"neutral","sentiment_score":0.010277708267345082,"num_words":79,"start":2124.775,"end":2159.015},{"sentences":[{"text":"And then the bottom one is the Vanek Vanek Property ATS Fund.","start":2159.015,"end":2163.1948,"sentiment":"neutral","sentiment_score":-0.005021340465949227},{"text":"Underperformance in the last short term, but the property market is pretty volatile at the moment given the interest rates, not just in Australia, but America, the the world.","start":2164.44,"end":2180.355,"sentiment":"neutral","sentiment_score":-0.21158445176893267},{"text":"But yeah.","start":2180.355,"end":2182.135,"sentiment":"neutral","sentiment_score":-0.053858231753110886},{"text":"There is.","start":2186.355,"end":2187.155,"sentiment":"neutral","sentiment_score":-0.07111793011426926},{"text":"There is.","start":2187.155,"end":2187.895,"sentiment":"neutral","sentiment_score":-0.04565054923295975}],"sentiment":"neutral","sentiment_score":-0.13909486402321528,"num_words":47,"start":2159.015,"end":2187.895},{"sentences":[{"text":"So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there.","start":2187.955,"end":2194.135,"sentiment":"neutral","sentiment_score":0.015287272081795063},{"text":"So if you're happy for me to do that, I'd like to review those three funds.","start":2194.41,"end":2198.91,"sentiment":"neutral","sentiment_score":0.09293034428264946},{"text":"Is that okay?","start":2198.97,"end":2199.79,"sentiment":"neutral","sentiment_score":0.0775513822833697},{"text":"That's perfect.","start":2204.73,"end":2205.63,"sentiment":"positive","sentiment_score":0.6193958520889282},{"text":"Thank you.","start":2205.77,"end":2206.5898,"sentiment":"positive","sentiment_score":0.455327570438385}],"sentiment":"neutral","sentiment_score":0.0934512552494804,"num_words":45,"start":2187.955,"end":2206.5898},{"sentences":[{"text":"But overall, the portfolio still didn't do too bad, to be honest with you.","start":2207.135,"end":2211.6948,"sentiment":"neutral","sentiment_score":-0.03001599745558841},{"text":"Over the last twelve months, it returned a 6.07% return.","start":2211.6948,"end":2216.275,"sentiment":"neutral","sentiment_score":-0.06696680746972561},{"text":"So with Bennelong being in there, that's actually surprising to me.","start":2216.815,"end":2223.07,"sentiment":"neutral","sentiment_score":-0.22692553428086368},{"text":"I've seen some much lower returns, to be completely honest with you.","start":2223.07,"end":2228.37,"sentiment":"neutral","sentiment_score":-0.197038180505236},{"text":"So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio.","start":2228.51,"end":2236.785,"sentiment":"neutral","sentiment_score":0.017787381851424772}],"sentiment":"neutral","sentiment_score":-0.0777976608139948,"num_words":71,"start":2207.135,"end":2236.785},{"sentences":[{"text":"The next document over is an education tool I'd just like to talk through briefly.","start":2240.9248,"end":2247.35,"sentiment":"neutral","sentiment_score":0.0003729457035660744},{"text":"It's the Vanguard index chart.","start":2247.4102,"end":2249.4302,"sentiment":"neutral","sentiment_score":0.015208963677287102},{"text":"You are presently invested as a growth investor.","start":2250.37,"end":2255.4302,"sentiment":"neutral","sentiment_score":0.008429184788838029},{"text":"What that means is down the right hand side of this page, you'll see the top four assets being US shares, Australian shares, international shares, and listed property.","start":2256.29,"end":2268.315,"sentiment":"neutral","sentiment_score":0.014921274335522736},{"text":"They're your growth they're your growth assets.","start":2269.1748,"end":2271.515,"sentiment":"neutral","sentiment_score":0.019030386049832617}],"sentiment":"neutral","sentiment_score":0.01111239469831898,"num_words":63,"start":2240.9248,"end":2271.515},{"sentences":[{"text":"So in a gross risk profile, we typically have about 80% of your funds invested across those four sectors.","start":2272.2148,"end":2283.0999,"sentiment":"neutral","sentiment_score":-0.025940584656047195},{"text":"And then the remaining 20% is invested along across the defensive assets being your bonds, cash, and fixed interest.","start":2284.44,"end":2295.305,"sentiment":"neutral","sentiment_score":-0.008408634776347563},{"text":"So with a growth portfolio, we do expect to see about seven to a 9% return per annum.","start":2296.005,"end":2303.4,"sentiment":"neutral","sentiment_score":-0.13294884810845056},{"text":"And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame.","start":2305.38,"end":2315.8,"sentiment":"neutral","sentiment_score":-0.2080824339184268},{"text":"So given that you have nineteen years no.","start":2316.335,"end":2320.815,"sentiment":"neutral","sentiment_score":-0.09290372859686613}],"sentiment":"neutral","sentiment_score":-0.10562725642555824,"num_words":93,"start":2272.2148,"end":2320.815},{"sentences":[{"text":"Sorry.","start":2320.815,"end":2321.135,"sentiment":"neutral","sentiment_score":-0.05683661252260208},{"text":"Not nineteen years.","start":2321.135,"end":2322.275,"sentiment":"neutral","sentiment_score":-0.10397130995988846},{"text":"Sorry.","start":2322.4949,"end":2322.9949,"sentiment":"neutral","sentiment_score":-0.19160285592079165},{"text":"I am really bad at math today.","start":2323.135,"end":2325.315,"sentiment":"negative","sentiment_score":-0.3961778368268694},{"text":"You have eleven years until you're actually able to access super, so your preservation age is 60.","start":2330.38,"end":2336.0,"sentiment":"neutral","sentiment_score":-0.0045595828115063556}],"sentiment":"neutral","sentiment_score":-0.11762452289333632,"num_words":29,"start":2320.815,"end":2336.0},{"sentences":[{"text":"You do have time on your side to hold that gross risk profile if you feel comfortable, or or you could even potentially look at upping some of that exposure to growth to see if you can get some more growth opportunities.","start":2336.6199,"end":2352.975,"sentiment":"neutral","sentiment_score":-0.004179879756910461},{"text":"It's simply a, what I like to call a sleep at night test.","start":2353.5151,"end":2358.32,"sentiment":"neutral","sentiment_score":0.05203527398407459},{"text":"If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested.","start":2358.54,"end":2367.04,"sentiment":"neutral","sentiment_score":-0.14194297697395086},{"text":"Yeah.","start":2378.635,"end":2379.135,"sentiment":"neutral","sentiment_score":0.09431328624486925},{"text":"So you're happy to maintain that eighty twenty split, have 80 across those top four where you see a lot more volatility, but over the long term growth?","start":2379.355,"end":2388.3801,"sentiment":"neutral","sentiment_score":0.32049439900687765}],"sentiment":"neutral","sentiment_score":0.057059524287642154,"num_words":108,"start":2336.6199,"end":2388.3801},{"sentences":[{"text":"Okay.","start":2390.28,"end":2390.78,"sentiment":"neutral","sentiment_score":0.22151929140090945},{"text":"Alright.","start":2391.0,"end":2391.48,"sentiment":"positive","sentiment_score":0.40156739950180054},{"text":"Lovely.","start":2391.48,"end":2391.98,"sentiment":"positive","sentiment_score":0.5032983422279358},{"text":"The next two documents are your certificates of currency from MetLife.","start":2393.1602,"end":2397.355,"sentiment":"neutral","sentiment_score":0.12918826124884866},{"text":"So what these documents are showing you is that your insurance policies are enforced and who your beneficiaries are, which we will have that updated for you to be Timothy.","start":2397.415,"end":2412.5698,"sentiment":"neutral","sentiment_score":0.09782624505460262}],"sentiment":"neutral","sentiment_score":0.12459643769331953,"num_words":44,"start":2390.28,"end":2412.5698},{"sentences":[{"text":"And then the next document over is our financial services guide.","start":2414.63,"end":2418.95,"sentiment":"neutral","sentiment_score":0.05342894690957936},{"text":"So what that is is a legal document that we provide to clients.","start":2418.95,"end":2425.0652,"sentiment":"neutral","sentiment_score":0.0548082165993177},{"text":"It explains who we are, the type of advice we're allowed to give, how we give it, an overview of our fee structure, and importantly, if you're unhappy with any advice or services you receive, the complaint's processed.","start":2425.125,"end":2440.1401,"sentiment":"neutral","sentiment_score":0.023766893403310525},{"text":"And then the last document is your ongoing service agreement.","start":2442.6,"end":2446.06,"sentiment":"neutral","sentiment_score":0.029153902642428876},{"text":"So this is the fee that we charge you, and that's from your superannuation fund.","start":2446.12,"end":2452.1401,"sentiment":"neutral","sentiment_score":-0.05444206272562345}],"sentiment":"neutral","sentiment_score":0.019290520306462527,"num_words":87,"start":2414.63,"end":2452.1401},{"sentences":[{"text":"And we it's a fixed fee.","start":2452.5051,"end":2456.905,"sentiment":"neutral","sentiment_score":-0.049457679192225136},{"text":"So previously, it was a percent based fee, which means each month that changed depending on the balance of the superannuation fund.","start":2456.905,"end":2464.665,"sentiment":"neutral","sentiment_score":-0.0870706828480417},{"text":"So in a good month, we'd get paid more, and in a bad month, we'd get paid less.","start":2464.665,"end":2469.27,"sentiment":"neutral","sentiment_score":-0.3188886907365587},{"text":"We don't think that that's fair or reasonable to a client or very transparent.","start":2470.45,"end":2475.27,"sentiment":"negative","sentiment_score":-0.5328271793467658},{"text":"So what we've done is we're working through fixing client fees at the present moment to provide transparency and consistency in the in knowing what you're being charged.","start":2475.89,"end":2489.3052,"sentiment":"neutral","sentiment_score":0.09535698033869267}],"sentiment":"neutral","sentiment_score":-0.1447941203686324,"num_words":88,"start":2452.5051,"end":2489.3052},{"sentences":[{"text":"So just because a portfolio performs well, that doesn't mean that we should be paid more.","start":2489.94,"end":2495.0798,"sentiment":"neutral","sentiment_score":0.07616630592383444},{"text":"It's just so we've changed the fee structure to reflect the fixed fee.","start":2495.7,"end":2501.78,"sentiment":"neutral","sentiment_score":0.07428911041754943},{"text":"So you'll see on that document, the annual fee is $3,362.73 per annum.","start":2501.78,"end":2510.085,"sentiment":"neutral","sentiment_score":0.0693927865761977},{"text":"That's then broken down and divided by 12 and deducted monthly from your super fund, which equates to approximately $280.23 per month.","start":2510.4648,"end":2522.01,"sentiment":"neutral","sentiment_score":0.05262169157239524},{"text":"Now what that covers is your ongoing reviews with us.","start":2523.03,"end":2527.93,"sentiment":"neutral","sentiment_score":0.07753121480345726}],"sentiment":"neutral","sentiment_score":0.06783128268009908,"num_words":74,"start":2489.94,"end":2527.93},{"sentences":[{"text":"For example, the the time and the changes that I'm gonna research and investigate to update your portfolio.","start":2529.03,"end":2532.42,"sentiment":"neutral","sentiment_score":0.07278668425149387},{"text":"Investigate to update your portfolio.","start":2534.845,"end":2537.185,"sentiment":"neutral","sentiment_score":0.09200037121772767},{"text":"You're not also limited to just one review per year.","start":2538.685,"end":2542.065,"sentiment":"neutral","sentiment_score":0.055569981783628465},{"text":"If you like I mentioned earlier, if you if you need to reach out for anything in relation to seeking advice, you just pick up the phone and do so.","start":2542.365,"end":2554.51,"sentiment":"neutral","sentiment_score":0.11271508758266767},{"text":"And that and that's your your fee is for that service, for us to be available for you to you.","start":2555.37,"end":2562.83,"sentiment":"neutral","sentiment_score":0.14045630842447282}],"sentiment":"neutral","sentiment_score":0.1026077203183289,"num_words":83,"start":2529.03,"end":2562.83},{"sentences":[{"text":"So any any questions about any of those documents?","start":2564.685,"end":2567.985,"sentiment":"neutral","sentiment_score":0.12375319169627295},{"text":"No?","start":2570.2852,"end":2570.7852,"sentiment":"neutral","sentiment_score":-0.030816761776804924},{"text":"Oh, thank you.","start":2573.965,"end":2574.945,"sentiment":"neutral","sentiment_score":0.2839677979548772},{"text":"So I'm my action items from here is I'm gonna get some forms issued to you to change your beneficiary.","start":2575.0852,"end":2581.56,"sentiment":"neutral","sentiment_score":0.12151736058294774},{"text":"Do you have access to a printer, or would you like me to post them?","start":2582.18,"end":2586.1199,"sentiment":"neutral","sentiment_score":0.03340595898528894}],"sentiment":"neutral","sentiment_score":0.10138129070401192,"num_words":48,"start":2564.685,"end":2586.1199},{"sentences":[{"text":"Okay.","start":2589.06,"end":2589.54,"sentiment":"neutral","sentiment_score":0.09800009429454803},{"text":"Alright.","start":2589.54,"end":2589.94,"sentiment":"neutral","sentiment_score":0.15259838104248047},{"text":"Well, I'll get those emailed out to you along with the estate planning brochure for you and Tim to have a look at.","start":2589.94,"end":2597.8948,"sentiment":"neutral","sentiment_score":0.237667515873909},{"text":"With your review frequency, are you happy to keep that as an annual review?","start":2600.9949,"end":2605.51,"sentiment":"neutral","sentiment_score":0.13497191933648928},{"text":"Yeah.","start":2608.93,"end":2609.43,"sentiment":"neutral","sentiment_score":0.14064237475395203}],"sentiment":"neutral","sentiment_score":0.19368001464754342,"num_words":40,"start":2589.06,"end":2609.43},{"sentences":[{"text":"Okay.","start":2610.05,"end":2610.55,"sentiment":"neutral","sentiment_score":0.14210659265518188},{"text":"And the only other option that I did have here to talk to you about from a conversation with Veronica is that you she did mention that you looked at, SMAs.","start":2611.09,"end":2623.065,"sentiment":"neutral","sentiment_score":0.12703698897554028},{"text":"So that's a type of investment option held in superannuation, where the portfolio is invested, but changes are done in the background by the investment committee with when chain when changes need to be made.","start":2623.205,"end":2644.2102,"sentiment":"neutral","sentiment_score":0.0822135518704142},{"text":"SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that?","start":2644.59,"end":2654.9849,"sentiment":"positive","sentiment_score":0.36087385179667636},{"text":"But what an SMA does is it just it provides more flexibility for quick changes should they need to be made by the investment committee and the transparency.","start":2656.405,"end":2672.51,"sentiment":"neutral","sentiment_score":0.2686787795807634}],"sentiment":"neutral","sentiment_score":0.20117802497360013,"num_words":124,"start":2610.05,"end":2672.51},{"sentences":[{"text":"So when you log in, for example, in your hub account, instead of seeing those listed investment funds, you will own certain shares within those funds that will be applicable to you within your super annuation fund.","start":2672.81,"end":2690.78,"sentiment":"neutral","sentiment_score":0.121472071075963},{"text":"Property?","start":2695.32,"end":2695.82,"sentiment":"neutral","sentiment_score":0.026118485257029533},{"text":"Let let okay.","start":2696.36,"end":2700.54,"sentiment":"neutral","sentiment_score":0.06327006469170253},{"text":"Let me have a quick sticky beak this other option.","start":2701.08,"end":2715.6748,"sentiment":"neutral","sentiment_score":0.06847757324576378},{"text":"Yeah.","start":2717.4949,"end":2717.7349,"sentiment":"neutral","sentiment_score":0.0874432623386383}],"sentiment":"neutral","sentiment_score":0.10543489046036623,"num_words":52,"start":2672.81,"end":2717.7349},{"sentences":[{"text":"It just said SMA, but we can definitely talk about property if that's something that you wanted to talk about.","start":2717.7349,"end":2725.49,"sentiment":"neutral","sentiment_score":0.11211690828204154},{"text":"Be be yeah.","start":2726.83,"end":2728.93,"sentiment":"neutral","sentiment_score":-0.06586223964889844},{"text":"I understand.","start":2731.725,"end":2732.465,"sentiment":"neutral","sentiment_score":-0.15099862217903137},{"text":"Yeah.","start":2734.365,"end":2734.7651,"sentiment":"neutral","sentiment_score":0.0806182473897934},{"text":"I understand completely.","start":2734.7651,"end":2736.145,"sentiment":"neutral","sentiment_score":0.11200337360302608}],"sentiment":"neutral","sentiment_score":0.07446146794948084,"num_words":29,"start":2717.7349,"end":2736.145},{"sentences":[{"text":"Alright.","start":2737.405,"end":2737.725,"sentiment":"neutral","sentiment_score":0.16462647914886477},{"text":"So I'm gonna probably reach out in I can probably book it in now if you have time for about two weeks' time so I can just present the changes to you to make to that superannuation fund.","start":2737.725,"end":2750.98,"sentiment":"neutral","sentiment_score":0.17797164226833143},{"text":"Would that be okay?","start":2750.98,"end":2752.12,"sentiment":"neutral","sentiment_score":0.12335440702736378},{"text":"Yeah.","start":2763.845,"end":2764.245,"sentiment":"neutral","sentiment_score":0.06126900017261505},{"text":"Did you have any afternoon availability at all on that day?","start":2764.245,"end":2767.545,"sentiment":"neutral","sentiment_score":0.05581662058830261}],"sentiment":"neutral","sentiment_score":0.14720396981997924,"num_words":55,"start":2737.405,"end":2767.545},{"sentences":[{"text":"It doesn't have to be the eight on the dot.","start":2773.685,"end":2777.07,"sentiment":"neutral","sentiment_score":0.029574436508119105},{"text":"It could be just sometime that week if you like.","start":2777.07,"end":2779.73,"sentiment":"neutral","sentiment_score":0.06384586729109287},{"text":"I can I can be pretty flexible with timing?","start":2781.55,"end":2785.1702,"sentiment":"neutral","sentiment_score":0.09029973163786861},{"text":"Yes.","start":2787.79,"end":2788.29,"sentiment":"neutral","sentiment_score":0.06957079470157623},{"text":"Of course.","start":2788.59,"end":2789.33,"sentiment":"neutral","sentiment_score":0.0796472318470478}],"sentiment":"neutral","sentiment_score":0.06174268378526904,"num_words":32,"start":2773.685,"end":2789.33},{"sentences":[{"text":"Okay.","start":2792.795,"end":2793.195,"sentiment":"neutral","sentiment_score":0.07993324846029282},{"text":"Do you want around the same time that we did this morning on Thursday, the fifteenth?","start":2793.195,"end":2798.015,"sentiment":"neutral","sentiment_score":0.07289881119504571},{"text":"Okay.","start":2800.795,"end":2801.295,"sentiment":"positive","sentiment_score":0.4072495102882385},{"text":"Fantastic.","start":2801.355,"end":2801.855,"sentiment":"positive","sentiment_score":0.6247837543487549},{"text":"I'll book that in, and I'll send you through a calendar invite so you've got that.","start":2802.06,"end":2807.84,"sentiment":"positive","sentiment_score":0.4668358080089092}],"sentiment":"neutral","sentiment_score":0.27850629772458757,"num_words":35,"start":2792.795,"end":2807.84},{"sentences":[{"text":"Oh, no, Lee.","start":2814.22,"end":2815.1,"sentiment":"neutral","sentiment_score":-0.08726832022269566},{"text":"I completely understand.","start":2815.1,"end":2816.1602,"sentiment":"neutral","sentiment_score":0.06375172734260559},{"text":"The financial stress that everyone's experiencing at the moment is it it's widespread.","start":2816.22,"end":2822.605,"sentiment":"neutral","sentiment_score":-0.3215345556919391},{"text":"And yeah.","start":2823.625,"end":2828.605,"sentiment":"neutral","sentiment_score":-0.2709563970565796},{"text":"Yeah.","start":2829.865,"end":2830.365,"sentiment":"neutral","sentiment_score":-0.08160188794136047}],"sentiment":"neutral","sentiment_score":-0.22154607657681813,"num_words":22,"start":2814.22,"end":2830.365},{"sentences":[{"text":"I'm sorry that we can't do anything further with that.","start":2831.385,"end":2839.6301,"sentiment":"neutral","sentiment_score":-0.05120179057121277},{"text":"It was lovely just oh, anytime.","start":2840.73,"end":2843.21,"sentiment":"positive","sentiment_score":0.587367390592893},{"text":"It was lovely to speak with you, and I look forward to speaking to you again in a few weeks.","start":2843.21,"end":2850.5027,"sentiment":"positive","sentiment_score":0.7421803846955299},{"text":"Enjoy your day.","start":2850.5027,"end":2851.5627,"sentiment":"positive","sentiment_score":0.714735209941864},{"text":"You too.","start":2854.4229,"end":2855.0627,"sentiment":"positive","sentiment_score":0.3466832786798477}],"sentiment":"positive","sentiment_score":0.5047162516814906,"num_words":41,"start":2831.385,"end":2855.0627},{"sentences":[{"text":"Bye.","start":2855.0627,"end":2855.4626,"sentiment":"neutral","sentiment_score":0.2205819934606552},{"text":"Bye.","start":2855.4626,"end":2855.9626,"sentiment":"neutral","sentiment_score":0.1907738447189331}],"sentiment":"neutral","sentiment_score":0.20567791908979416,"num_words":2,"start":2855.0627,"end":2855.9626}]}}]},{"alternatives":[{"transcript":"Hello. This is Lee. Oh, Jenna. We finally got to talk. I'm good. Thank you. How are you? Yes. No problem. I never remember this. I think Snoopy, would it be? Yes. Snoopy. Thank thank you. Yes. But the investment options aren't going to happen anymore just with the increase of the what is it? The stupid mortgage rates and that coming on. Yeah. We won't be doing anything like that. No. We won't. When it once it once it goes up, it's going to put a lot of pressure on us. Yes. I have it in my wallet. Let me just get to that. I think it's about 1,300 a week. No. It's 1,900 a week. Okay. Hang on. Sorry. 200 of that we paid towards credit cards. So 17 about $17.70 a week. Yes. One of them, we have 5,000 and the other one, I think, 2,000. Thank you. I'm in the payroll now. Let me just go into my employees. I'm just having to look in zero for myself. Sorry. Annual salary, it says 71,000. He would probably be around the same. What would that be for? Okay. Then, yeah, it should be. Yep. Oh, there's never any savings. No. I can have a look at that now. I think we've got 4,000 sitting there, but that's only because that's money we owe my daughter because our car we just had to pay 7,000 to my car, so we had to borrow $44,000 from her sort of savings account. So I've had to save that back for her. So I think there's 4,000 sitting there. Yes. Kiani. Yep. That's right. Thank you. Oh, no. Kobe's 18, and Kian is turning 17 tomorrow. Yes. They've definitely grown up. It sure does. It sure does. Do you have children? Uh-huh. Oh, beautiful. Enjoy. It does go fast. So fast. Yes. Yes. I hope so. Do you take time off in the holidays with them? Or Yeah. Yep. That's great. Yeah. All good. Very nice. No. I'm office manager at, like, a electrical company, Everest Electrical Company. And then I do part time sort of PTing now and then. For the PT, no. It wouldn't be that much. Oh, I don't know. Maybe. Yeah. I guess keep that. I guess so. Yeah. Yes. Yeah. No. Yep. Yes. I guess so. I wouldn't know the value of it now. Hang on. Toyota Kluger '2 thousand and fourteen Grand Bay. What are they selling for? Oh, still in the twenties. But yeah. Yeah. That's right. So about $2,023,000. Perfect. You've got the credit card. My husband has an old work debt of 17,000. It was an overdraft that he got from the ANZ Bank and or that his dad passed on to him when he took over the business, and he never managed it well. So we're now trying to pay that down as well. So, yes, that's another lovely debt we have from him. Put 18 just in case. Yeah. Okay. Well, the new so he he kind of went into liquidation, and we had the new the guy that's been working for seventeen years came on board as well. So they restarted the business. So the new business is kind of paying it off because it was still for the old debt, and that they're kinda paying $200 here and there. So it's coming out of the business one. Not really us, our pocket. No. No. Yes. No. Just the standard supplements and things. All the stuff that you see on that'll help. So, you know, I think it's creatine and collagen and age, like We have a widow from when Kobe was first born, and it needs to be updated. But it's one of those things I'm always gonna get to it and haven't, but I'd love to. Okay. Yes. Yes. I can. Okay. Yeah. I think it's always been money thing. Yeah. Yeah. But I don't know how that's true. I don't know how good it would be though because, yeah, like, we didn't have a house or anything when Kobe was born. We had a union. I can. Uh-huh. Yes. Okay. Thank you. Great. No. Would that just be my husband? Uh-huh. Yep. Okay. Wow. Yeah. That's we don't have that, but I guess as far as other things. So I need to appoint him as my power of attorney. Can you have, like, him? But what if we both pass away? Would then you have your children as a backup? Okay. Mhmm. Okay. Okay. Mhmm. Okay. Okay. Thank you. Mhmm. That was, I think, for next Christmas. But I've always it was my fiftieth next year, and we always wanted to go I always wanted to go to The Caribbean. So I prefer to go to The Caribbean. So, yeah, we're still wanting to do that. Hopefully, I will. We'll see. Yes, please. And that'll be 2020 seven. Yes. Yes. Yes. Yeah. It'll just depend. Yes. Yeah. Tara lifestyle. And retire, but, yeah, I'd like to be able to finish the house and just, yeah, have more have more time back so we're not working to pay off the mortgage, which is always seem to be doing. What was that? Sorry. Yeah. I guess so. I'm not sure what we would need. That's obviously with the mortgage paid off. I would yep. If I mean, the dream is to keep that to keep Narrabeen, and we'd look at getting, like, I'd love a little country place or move away or, you know, country and beach, but a smaller home. Yes. But with maybe some land. Always wanted that, but I'd love to keep Narabim. But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell. Because we just can't keep going paying the mortgage the way it is. Yes. Yes. He's self employed. No. We do look after dogs, so we get some on the side. But, obviously, that's that's not sort of on the books or anything, but that helps us survive. That's what we started with just friends, and my daughter started it actually. And then it just grew. Mhmm. I can. Not as yet. Not at the moment. No. Like I said, there was a investment thing that we were looking at. But, yeah, I think at the moment, we did I need to concentrate on adding value to the home, I guess, if we're going and try to get that finished, if we're going to move on from there. Mhmm. Yep. Yeah. No. I I think just at least to make sure the the house is paid off is the main thing because then, you know, the funds will be freed up for whatever money comes in to survive on, so it's just getting rid of the house. That's it. Yep. Oh, got you. Yeah. Maybe maybe, I guess, they're all going to Kim. Is that what will happen? Yeah. Because otherwise, you're only gonna get 500,000 of it won't be. Okay. Yes. Just go to the other. Maybe I'll just do that especially, yeah, at the moment. Can we just do that? I'll just make a 100% him. Thank you. Mhmm. Yes. Yep. Okay. Yep. Got it. Yep. They're open. That's okay. I apologize for moving it so much. Thank you. Mhmm. Yeah. That's not worth I'd rather get rid of that. That's not worth the 300 and $3,800 a month and for what I'm paying what we're paying now, I'd rather either not have it or move that up if that's Okay. Okay. Okay. Yeah. Okay. Fair enough. That makes sense. That makes sense. Just leave it as as is. That's okay. Thank you. I'm not going through all that again. It's always it's always a pain, isn't it, to go through everything? Yep. Thank you. Yep. That's okay. We'll keep that one. What's the last buyback? Sorry. What's last buyback? Okay. Yeah. Yeah. Okay. Okay. Thank you very much. Yep. Uh-huh. Such a way and changes. Yeah. Yeah. Okay. Mhmm. I'd I'll take whatever. I mean, you guys are the experts. I've got no no idea. So whatever. Yep. Yep. Okay. Yeah. Of course. That's fine. Thank you. We won't. Yes. With the the whole the whole world, isn't it? There's just things going on in your world at the moment with everything. Excellent. Yes. That would be great. That's fine. Thank you very much. Mhmm. Yep. Uh-huh. Yeah. I'm bad all the time, so don't worry. No. I've like I said, my my worries are more things direct that I can control and stuff with at home. This stuff, no. It's fine. Yep. Mhmm. Yep. Mhmm. Yeah. Okay. Okay. Thank you. No. No. That was all fine. Thank you. I signed it. Mhmm. No. I've got access to a printer. That's fine. Yes. For the time being, that's fine. Okay. I think it was more we were looking at a property. More property. Yeah. Buying a property when we're looking at all of that. Yeah. Not at the moment. Hey. There's too much going on. I just wanna leave. Yeah. I don't have to explain for it, though. Thank you. Yes. Two weeks. One, two, eight. I hope it takes October 8. Is that correct? Correct. I've got lots of dogs. The next the next week would probably be better if that's okay. And I can do any afternoon by Thursday. Yeah. That would be great. Okay. Thank you very much. Hopefully, I'm in better spirits then. I'm sorry. Yes. I know. And our stupid government don't help it. They just make things worse. Anyway okay. Well, it was that's that's okay. Thank you. And it was really lovely to speak to you and to meet you, so I appreciate your time. Perfect. Thank you very much. Thanks, Jenny. You too. Have a great day. Bye. Bye.","confidence":0.9909668,"words":[{"word":"hello","start":1.12,"end":1.52,"confidence":0.81152344,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.04788285493850708},{"word":"this","start":1.52,"end":1.76,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.059078607708215714},{"word":"is","start":1.76,"end":1.92,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04265939071774483},{"word":"lee","start":1.92,"end":2.42,"confidence":0.92407227,"punctuated_word":"Lee.","sentiment":"neutral","sentiment_score":0.04852578788995743},{"word":"oh","start":7.8399997,"end":8.24,"confidence":0.8508301,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2691059112548828},{"word":"jenna","start":8.24,"end":8.639999,"confidence":0.8322754,"punctuated_word":"Jenna.","sentiment":"neutral","sentiment_score":0.23659412562847135},{"word":"we","start":8.639999,"end":8.88,"confidence":0.9873047,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.3275306522846222},{"word":"finally","start":8.88,"end":9.28,"confidence":0.9404297,"punctuated_word":"finally","sentiment":"positive","sentiment_score":0.3718501627445221},{"word":"got","start":9.28,"end":9.679999,"confidence":0.99121094,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3581818640232086},{"word":"to","start":9.679999,"end":9.92,"confidence":0.92578125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3735466003417969},{"word":"talk","start":9.92,"end":10.32,"confidence":0.9941406,"punctuated_word":"talk.","sentiment":"positive","sentiment_score":0.3564073443412781},{"word":"i'm","start":10.32,"end":10.639999,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5672820806503296},{"word":"good","start":10.639999,"end":10.88,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5531148314476013},{"word":"thank","start":10.88,"end":11.2,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.67234206199646},{"word":"you","start":11.2,"end":11.5199995,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5816548466682434},{"word":"how","start":11.5199995,"end":11.759999,"confidence":0.9921875,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.3633792996406555},{"word":"are","start":11.759999,"end":11.92,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3223702907562256},{"word":"you","start":11.92,"end":12.285,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.39592015743255615},{"word":"yes","start":23.404999,"end":23.805,"confidence":0.84375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06139318645000458},{"word":"no","start":23.805,"end":24.044998,"confidence":0.9892578,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1579594612121582},{"word":"problem","start":24.044998,"end":24.544998,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.2116979658603668},{"word":"i","start":31.9,"end":32.14,"confidence":0.8286133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0412629097700119},{"word":"never","start":32.14,"end":32.54,"confidence":0.8984375,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.06951844692230225},{"word":"remember","start":32.54,"end":32.94,"confidence":0.89208984,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.023200690746307373},{"word":"this","start":32.94,"end":33.34,"confidence":0.82299805,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.01565374806523323},{"word":"i","start":33.34,"end":33.42,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01441206969320774},{"word":"think","start":33.42,"end":33.82,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.014314430765807629},{"word":"snoopy","start":33.82,"end":34.32,"confidence":0.6171875,"punctuated_word":"Snoopy,","sentiment":"neutral","sentiment_score":-0.0009812500793486834},{"word":"would","start":34.46,"end":34.7,"confidence":0.92089844,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.004926314577460289},{"word":"it","start":34.7,"end":34.78,"confidence":0.8833008,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.033748626708984375},{"word":"be","start":34.78,"end":35.28,"confidence":0.9538574,"punctuated_word":"be?","sentiment":"neutral","sentiment_score":0.019261419773101807},{"word":"yes","start":40.075,"end":40.395,"confidence":0.967041,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.052574522793293},{"word":"snoopy","start":40.395,"end":40.895,"confidence":0.93310547,"punctuated_word":"Snoopy.","sentiment":"neutral","sentiment_score":0.0684378445148468},{"word":"thank","start":44.395,"end":44.895,"confidence":0.9589844,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4958262443542481},{"word":"thank","start":45.035,"end":45.274998,"confidence":0.7475586,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5316097140312195},{"word":"you","start":45.274998,"end":45.774998,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.49777448177337646},{"word":"yes","start":61.93,"end":62.41,"confidence":0.9602051,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.00979524478316307},{"word":"but","start":62.41,"end":62.73,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04000326246023178},{"word":"the","start":62.73,"end":63.23,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07103723287582397},{"word":"investment","start":63.449997,"end":63.949997,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08165132999420166},{"word":"options","start":64.09,"end":64.57,"confidence":0.99609375,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.06856971979141235},{"word":"aren't","start":64.57,"end":64.81,"confidence":0.99853516,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.15320590138435364},{"word":"going","start":64.81,"end":65.13,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.15982221066951752},{"word":"to","start":65.13,"end":65.29,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1329750418663025},{"word":"happen","start":65.29,"end":65.79,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.1407167762517929},{"word":"anymore","start":65.85,"end":66.35,"confidence":0.9921875,"punctuated_word":"anymore","sentiment":"neutral","sentiment_score":-0.15166273713111875},{"word":"just","start":66.729996,"end":66.97,"confidence":0.7451172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1100357547402382},{"word":"with","start":66.97,"end":67.47,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.069628044962883},{"word":"the","start":68.645004,"end":69.045006,"confidence":0.8496094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1407720297574997},{"word":"increase","start":69.045006,"end":69.525,"confidence":0.9838867,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.15863952040672302},{"word":"of","start":69.525,"end":70.025,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18922922015190125},{"word":"the","start":71.205,"end":71.525,"confidence":0.88427734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18072551488876343},{"word":"what","start":71.605,"end":71.845,"confidence":0.9716797,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15168496966362},{"word":"is","start":71.845,"end":72.08501,"confidence":0.8378906,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1931888610124588},{"word":"it","start":72.08501,"end":72.245,"confidence":0.84521484,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.19839730858802795},{"word":"the","start":72.245,"end":72.40501,"confidence":0.99121094,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.44499823451042175},{"word":"stupid","start":72.40501,"end":72.90501,"confidence":0.99316406,"punctuated_word":"stupid","sentiment":"negative","sentiment_score":-0.5320687890052795},{"word":"mortgage","start":72.965004,"end":73.465004,"confidence":0.99316406,"punctuated_word":"mortgage","sentiment":"negative","sentiment_score":-0.34308531880378723},{"word":"rates","start":73.605,"end":73.925,"confidence":0.9902344,"punctuated_word":"rates","sentiment":"negative","sentiment_score":-0.3566944897174835},{"word":"and","start":73.925,"end":74.08501,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2845710217952728},{"word":"that","start":74.08501,"end":74.325005,"confidence":0.9223633,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.35685309767723083},{"word":"coming","start":74.325005,"end":74.565,"confidence":0.96972656,"punctuated_word":"coming","sentiment":"negative","sentiment_score":-0.3888717591762543},{"word":"on","start":74.565,"end":74.805,"confidence":0.85302734,"punctuated_word":"on.","sentiment":"negative","sentiment_score":-0.37125515937805176},{"word":"yeah","start":74.805,"end":75.045006,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1896880269050598},{"word":"we","start":75.045006,"end":75.205,"confidence":0.98535156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.24811331927776337},{"word":"won't","start":75.205,"end":75.445,"confidence":0.9970703,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2495018839836121},{"word":"be","start":75.445,"end":75.605,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2638668417930603},{"word":"doing","start":75.605,"end":75.925,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.26364874839782715},{"word":"anything","start":75.925,"end":76.40501,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.27900946140289307},{"word":"like","start":76.40501,"end":76.645004,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.3151009678840637},{"word":"that","start":76.645004,"end":77.145004,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2930781841278076},{"word":"no","start":94.06,"end":94.56,"confidence":0.97094727,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11265456676483154},{"word":"we","start":110.145,"end":110.384995,"confidence":0.8720703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.14691297709941864},{"word":"won't","start":110.384995,"end":110.705,"confidence":0.898112,"punctuated_word":"won't.","sentiment":"neutral","sentiment_score":-0.14287635684013367},{"word":"when","start":110.705,"end":110.945,"confidence":0.86328125,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.1156574934720993},{"word":"it","start":110.945,"end":111.025,"confidence":0.9707031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12403161078691484},{"word":"once","start":111.185,"end":111.424995,"confidence":0.90771484,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.1427728235721588},{"word":"it","start":111.424995,"end":111.505,"confidence":0.94189453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.136392742395401},{"word":"once","start":111.505,"end":111.665,"confidence":0.9819336,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.15221953392028809},{"word":"it","start":111.665,"end":111.905,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15052829682826996},{"word":"goes","start":111.905,"end":112.225,"confidence":0.9951172,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.144811749458313},{"word":"up","start":112.225,"end":112.384995,"confidence":0.9914551,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.16370239853858948},{"word":"it's","start":112.384995,"end":112.625,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.19910560548305511},{"word":"going","start":112.625,"end":112.865,"confidence":0.92333984,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.23884597420692444},{"word":"to","start":112.865,"end":112.945,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20588359236717224},{"word":"put","start":112.945,"end":113.185,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.19099976122379303},{"word":"a","start":113.185,"end":113.265,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1985698938369751},{"word":"lot","start":113.265,"end":113.505,"confidence":0.96435547,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.15943744778633118},{"word":"of","start":113.505,"end":113.585,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.170192152261734},{"word":"pressure","start":113.585,"end":113.85,"confidence":0.99902344,"punctuated_word":"pressure","sentiment":"neutral","sentiment_score":-0.15123066306114197},{"word":"on","start":120.729996,"end":121.229996,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.020724520087242126},{"word":"us","start":121.369995,"end":121.619995,"confidence":0.9604492,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.015538197942078114},{"word":"yes","start":121.619995,"end":122.119995,"confidence":0.9592285,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02425946667790413},{"word":"i","start":134.135,"end":134.375,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011856751516461372},{"word":"have","start":134.375,"end":134.615,"confidence":0.9506836,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0037876851856708527},{"word":"it","start":134.615,"end":135.015,"confidence":0.7963867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011773739010095596},{"word":"in","start":135.015,"end":135.175,"confidence":0.703125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004428483545780182},{"word":"my","start":135.175,"end":135.415,"confidence":0.90771484,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.001936301589012146},{"word":"wallet","start":135.415,"end":135.895,"confidence":0.9890137,"punctuated_word":"wallet.","sentiment":"neutral","sentiment_score":-0.002468627877533436},{"word":"let","start":135.895,"end":136.055,"confidence":1.0,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.002603325992822647},{"word":"me","start":136.055,"end":136.295,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.002559814602136612},{"word":"just","start":136.295,"end":136.775,"confidence":0.82177734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.017797954380512238},{"word":"get","start":136.775,"end":137.015,"confidence":0.4428711,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.01442091166973114},{"word":"to","start":137.015,"end":137.095,"confidence":0.25317383,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009223390370607376},{"word":"that","start":137.095,"end":137.495,"confidence":0.9873047,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.015757277607917786},{"word":"i","start":137.495,"end":137.655,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011032948270440102},{"word":"think","start":137.655,"end":137.895,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.011263089254498482},{"word":"it's","start":137.895,"end":138.215,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.014437864534556866},{"word":"about","start":138.215,"end":138.715,"confidence":0.91845703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02285890094935894},{"word":"1,300","start":139.495,"end":140.535,"confidence":0.8959961,"punctuated_word":"1,300","sentiment":"neutral","sentiment_score":-0.008978515863418579},{"word":"a","start":140.535,"end":140.69499,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026247313246130943},{"word":"week","start":140.69499,"end":141.19499,"confidence":0.87280273,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.030158814042806625},{"word":"no","start":145.92,"end":146.23999,"confidence":0.9663086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10773418098688126},{"word":"it's","start":146.23999,"end":146.72,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07873828709125519},{"word":"1,900","start":146.72,"end":147.7,"confidence":0.9995117,"punctuated_word":"1,900","sentiment":"neutral","sentiment_score":-0.06812857836484909},{"word":"a","start":148.31999,"end":148.48,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07332348823547363},{"word":"week","start":148.48,"end":148.98,"confidence":0.99853516,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.06090898811817169},{"word":"okay","start":152.56,"end":152.88,"confidence":0.7644043,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.01379742007702589},{"word":"hang","start":152.88,"end":153.04,"confidence":0.8730469,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.054966215044260025},{"word":"on","start":153.04,"end":153.28,"confidence":0.986084,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.04171214997768402},{"word":"sorry","start":153.28,"end":153.52,"confidence":0.9453125,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08466466516256332},{"word":"200","start":153.52,"end":154.08,"confidence":0.98828125,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.08498013019561768},{"word":"of","start":154.08,"end":154.23999,"confidence":0.93115234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08240298926830292},{"word":"that","start":154.23999,"end":154.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08196310698986053},{"word":"we","start":154.4,"end":154.56,"confidence":0.67333984,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09087340533733368},{"word":"paid","start":154.56,"end":154.8,"confidence":0.6616211,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.08493642508983612},{"word":"towards","start":154.8,"end":155.145,"confidence":0.8154297,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.08049451559782028},{"word":"credit","start":155.145,"end":155.545,"confidence":0.9970703,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.08619667589664459},{"word":"cards","start":155.545,"end":155.785,"confidence":0.66186523,"punctuated_word":"cards.","sentiment":"neutral","sentiment_score":-0.07175731658935547},{"word":"so","start":155.785,"end":156.185,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03992871195077896},{"word":"17","start":156.185,"end":156.685,"confidence":0.984375,"punctuated_word":"17","sentiment":"neutral","sentiment_score":-0.03587651252746582},{"word":"about","start":157.30501,"end":157.785,"confidence":0.6088867,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05330759286880493},{"word":"$17.70","start":157.785,"end":158.905,"confidence":0.86572266,"punctuated_word":"$17.70","sentiment":"neutral","sentiment_score":-0.04369453340768814},{"word":"a","start":158.905,"end":159.065,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06000033766031265},{"word":"week","start":159.065,"end":159.565,"confidence":0.9975586,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.05483891814947128},{"word":"yes","start":165.38501,"end":165.88501,"confidence":0.9736328,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.016289910301566124},{"word":"one","start":172.08,"end":172.24,"confidence":0.51464844,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.00820119772106409},{"word":"of","start":172.24,"end":172.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004531211219727993},{"word":"them","start":172.4,"end":172.64,"confidence":0.82788086,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.00539041543379426},{"word":"we","start":172.64,"end":172.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0019679106771945953},{"word":"have","start":172.88,"end":173.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.003446994349360466},{"word":"5,000","start":173.28,"end":174.09999,"confidence":0.99609375,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":-0.0013722763396799564},{"word":"and","start":174.23999,"end":174.73999,"confidence":0.5473633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0029835221357643604},{"word":"the","start":174.88,"end":175.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001554238609969616},{"word":"other","start":175.12,"end":175.36,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0030436329543590546},{"word":"one","start":175.36,"end":175.84,"confidence":0.9753418,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.00847612228244543},{"word":"i","start":175.84,"end":176.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0039167460054159164},{"word":"think","start":176.0,"end":176.48,"confidence":0.9086914,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.0016987547278404236},{"word":"2,000","start":176.48,"end":177.3,"confidence":0.9995117,"punctuated_word":"2,000.","sentiment":"neutral","sentiment_score":0.0016705304151400924},{"word":"thank","start":188.945,"end":189.185,"confidence":0.9941406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6703027486801147},{"word":"you","start":189.185,"end":189.685,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.632183313369751},{"word":"i'm","start":207.2,"end":207.44,"confidence":0.9819336,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.003036911366507411},{"word":"in","start":207.44,"end":207.6,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0004202555865049362},{"word":"the","start":207.6,"end":207.84,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0002007521688938141},{"word":"payroll","start":207.84,"end":208.34,"confidence":0.99316406,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":-0.006694654002785683},{"word":"now","start":208.56,"end":209.06,"confidence":0.9946289,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.004230273887515068},{"word":"let","start":213.625,"end":213.865,"confidence":0.9614258,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.00496588833630085},{"word":"me","start":213.865,"end":214.025,"confidence":0.9941406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.010027602314949036},{"word":"just","start":214.025,"end":214.265,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.014262691140174866},{"word":"go","start":214.265,"end":214.425,"confidence":0.9350586,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.012330487370491028},{"word":"into","start":214.425,"end":214.825,"confidence":0.9707031,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0076658595353364944},{"word":"my","start":214.825,"end":215.325,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.000863363966345787},{"word":"employees","start":216.265,"end":216.765,"confidence":0.9399414,"punctuated_word":"employees.","sentiment":"neutral","sentiment_score":-0.002029907889664173},{"word":"i'm","start":218.105,"end":218.265,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.011379128322005272},{"word":"just","start":218.265,"end":218.505,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01561528816819191},{"word":"having","start":218.505,"end":218.66501,"confidence":0.9951172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.027389168739318848},{"word":"to","start":218.66501,"end":218.825,"confidence":0.81591797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017129039391875267},{"word":"look","start":218.825,"end":218.985,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.021182039752602577},{"word":"in","start":218.985,"end":219.225,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.027431990951299667},{"word":"zero","start":219.225,"end":219.545,"confidence":0.6635742,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":-0.008002087473869324},{"word":"for","start":219.545,"end":219.785,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04381566494703293},{"word":"myself","start":219.785,"end":220.285,"confidence":0.99560547,"punctuated_word":"myself.","sentiment":"neutral","sentiment_score":-0.02145339921116829},{"word":"sorry","start":220.425,"end":220.925,"confidence":0.99658203,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.004098199307918549},{"word":"annual","start":225.32,"end":225.82,"confidence":0.84765625,"punctuated_word":"Annual","sentiment":"neutral","sentiment_score":0.03425968065857887},{"word":"salary","start":225.88,"end":226.28,"confidence":0.8803711,"punctuated_word":"salary,","sentiment":"neutral","sentiment_score":0.029367510229349136},{"word":"it","start":226.28,"end":226.44,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026640519499778748},{"word":"says","start":226.44,"end":226.76001,"confidence":0.9770508,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.0280340313911438},{"word":"71,000","start":226.76001,"end":227.90001,"confidence":0.99088544,"punctuated_word":"71,000.","sentiment":"neutral","sentiment_score":0.017272669821977615},{"word":"he","start":239.625,"end":239.94499,"confidence":0.5517578,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.0012227091938257215},{"word":"would","start":239.94499,"end":240.44499,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.004919614642858505},{"word":"probably","start":241.465,"end":241.965,"confidence":0.98291016,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.00024227052927017212},{"word":"be","start":242.665,"end":242.905,"confidence":0.97998047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.00367601215839386},{"word":"around","start":242.905,"end":243.22499,"confidence":0.9560547,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.005406342446804047},{"word":"the","start":243.22499,"end":243.385,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.000633683055639267},{"word":"same","start":243.385,"end":243.885,"confidence":0.9975586,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.006802409887313843},{"word":"what","start":258.18,"end":258.41998,"confidence":0.9951172,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0007329732179641724},{"word":"would","start":258.41998,"end":258.66,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.004639875143766403},{"word":"that","start":258.66,"end":258.9,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009634599089622498},{"word":"be","start":258.9,"end":259.3,"confidence":0.97802734,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0003824140876531601},{"word":"for","start":259.3,"end":259.8,"confidence":0.99609375,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":0.0037015723064541817},{"word":"okay","start":265.155,"end":265.635,"confidence":0.9152832,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.029416583478450775},{"word":"then","start":265.635,"end":266.035,"confidence":0.44360352,"punctuated_word":"Then,","sentiment":"neutral","sentiment_score":0.02903958223760128},{"word":"yeah","start":266.035,"end":266.51498,"confidence":0.71691895,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04941463470458984},{"word":"it","start":266.51498,"end":266.595,"confidence":0.48754883,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03939324989914894},{"word":"should","start":266.595,"end":266.755,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0613328218460083},{"word":"be","start":266.755,"end":267.235,"confidence":0.8881836,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.03265585005283356},{"word":"yep","start":267.235,"end":267.735,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02826225757598877},{"word":"oh","start":274.51498,"end":274.755,"confidence":0.86743164,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.036226190626621246},{"word":"there's","start":274.755,"end":275.07498,"confidence":0.96606445,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.05264425277709961},{"word":"never","start":275.07498,"end":275.395,"confidence":0.9838867,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.06601831316947937},{"word":"any","start":275.395,"end":275.715,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08231495320796967},{"word":"savings","start":275.715,"end":276.215,"confidence":0.98950195,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":-0.08481620252132416},{"word":"no","start":278.37,"end":278.87,"confidence":0.8156738,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09954694658517838},{"word":"i","start":284.21,"end":284.45,"confidence":0.77685547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04184471815824509},{"word":"can","start":284.45,"end":284.77002,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03300053998827934},{"word":"have","start":284.77002,"end":284.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04100285470485687},{"word":"a","start":284.93,"end":285.01,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04301649332046509},{"word":"look","start":285.01,"end":285.33002,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04373720660805702},{"word":"at","start":285.33002,"end":285.41,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05386461317539215},{"word":"that","start":285.41,"end":285.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04107676446437836},{"word":"now","start":286.21,"end":286.71,"confidence":0.9289551,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.037866152822971344},{"word":"i","start":287.97,"end":288.13,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.053267963230609894},{"word":"think","start":288.13,"end":288.37,"confidence":0.99316406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.058749038726091385},{"word":"we've","start":288.37,"end":288.53,"confidence":0.95214844,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.04629933834075928},{"word":"got","start":288.53,"end":288.85,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0733032375574112},{"word":"4,000","start":288.85,"end":289.57,"confidence":0.99560547,"punctuated_word":"4,000","sentiment":"neutral","sentiment_score":-0.05100269988179207},{"word":"sitting","start":289.57,"end":289.89,"confidence":0.9760742,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.06608527898788452},{"word":"there","start":289.89,"end":290.13,"confidence":0.9682617,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.08440113067626953},{"word":"but","start":290.13,"end":290.37,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06745404005050659},{"word":"that's","start":290.37,"end":290.61002,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09815798699855804},{"word":"only","start":290.61002,"end":291.01,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09743934869766235},{"word":"because","start":291.01,"end":291.51,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07105973362922668},{"word":"that's","start":293.195,"end":293.51498,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09091179072856904},{"word":"money","start":293.51498,"end":293.755,"confidence":0.95410156,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.10101485252380372},{"word":"we","start":293.755,"end":294.075,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11736893653869628},{"word":"owe","start":294.075,"end":294.575,"confidence":0.97802734,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.1222320795059204},{"word":"my","start":294.955,"end":295.195,"confidence":0.98291016,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.13663549721240997},{"word":"daughter","start":295.195,"end":295.595,"confidence":0.99902344,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":-0.1616557538509369},{"word":"because","start":295.595,"end":295.915,"confidence":0.6430664,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10323356837034224},{"word":"our","start":295.915,"end":296.155,"confidence":0.984375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.16443400084972382},{"word":"car","start":296.155,"end":296.475,"confidence":1.0,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.10057120025157928},{"word":"we","start":296.555,"end":296.795,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12948445975780487},{"word":"just","start":296.795,"end":297.035,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11352483928203584},{"word":"had","start":297.035,"end":297.275,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.120433047413826},{"word":"to","start":297.275,"end":297.355,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11629614979028702},{"word":"pay","start":297.355,"end":297.675,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.15028569102287292},{"word":"7,000","start":297.675,"end":298.315,"confidence":1.0,"punctuated_word":"7,000","sentiment":"neutral","sentiment_score":-0.10960017889738084},{"word":"to","start":298.315,"end":298.475,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1560364067554474},{"word":"my","start":298.475,"end":298.635,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1267690807580948},{"word":"car","start":298.635,"end":298.955,"confidence":0.7468262,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":-0.1168135330080986},{"word":"so","start":298.955,"end":299.035,"confidence":0.9741211,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0751633495092392},{"word":"we","start":299.035,"end":299.195,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08158841729164124},{"word":"had","start":299.195,"end":299.355,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07559400796890259},{"word":"to","start":299.355,"end":299.51498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07880312204360962},{"word":"borrow","start":299.51498,"end":299.995,"confidence":0.98535156,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":-0.11796699464321136},{"word":"$44,000","start":299.995,"end":301.435,"confidence":0.9798584,"punctuated_word":"$44,000","sentiment":"neutral","sentiment_score":-0.11134988069534302},{"word":"from","start":301.435,"end":301.935,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.13174930214881897},{"word":"her","start":302.395,"end":302.895,"confidence":0.9941406,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.10960830748081209},{"word":"sort","start":303.195,"end":303.355,"confidence":0.72314453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11851473152637482},{"word":"of","start":303.355,"end":303.595,"confidence":0.96240234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1176714450120926},{"word":"savings","start":303.595,"end":304.095,"confidence":0.9980469,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.1618061661720276},{"word":"account","start":304.315,"end":304.815,"confidence":0.9355469,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.09949316084384918},{"word":"so","start":305.035,"end":305.535,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01852961629629135},{"word":"i've","start":305.995,"end":306.235,"confidence":0.9916992,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02469026856124401},{"word":"had","start":306.235,"end":306.475,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.053760964423418045},{"word":"to","start":306.475,"end":306.635,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04957014322280884},{"word":"save","start":306.635,"end":306.875,"confidence":0.9902344,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.056526899337768555},{"word":"that","start":306.875,"end":307.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06774595379829407},{"word":"back","start":307.31,"end":307.47,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07183113694190979},{"word":"for","start":307.47,"end":307.71002,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08625368773937225},{"word":"her","start":307.71002,"end":308.21002,"confidence":0.94433594,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":-0.05295010283589363},{"word":"so","start":308.43002,"end":308.75,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009770508855581284},{"word":"i","start":308.75,"end":308.83002,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014467250555753708},{"word":"think","start":308.83002,"end":309.07,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.020730674266815186},{"word":"there's","start":309.07,"end":309.39,"confidence":0.8803711,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.025552239269018173},{"word":"4,000","start":309.39,"end":310.11002,"confidence":0.9975586,"punctuated_word":"4,000","sentiment":"neutral","sentiment_score":-0.014249742962419988},{"word":"sitting","start":310.11002,"end":310.43002,"confidence":0.9941406,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.024940896779298782},{"word":"there","start":310.43002,"end":310.93002,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.024085795506834984},{"word":"yes","start":324.32498,"end":324.82498,"confidence":0.98706055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0737324059009552},{"word":"kiani","start":331.60498,"end":332.10498,"confidence":0.7208659,"punctuated_word":"Kiani.","sentiment":"neutral","sentiment_score":0.06966815888881683},{"word":"yep","start":332.245,"end":332.485,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11798765510320663},{"word":"that's","start":332.485,"end":332.805,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.26179686188697815},{"word":"right","start":332.805,"end":333.305,"confidence":0.9995117,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.30567580461502075},{"word":"thank","start":335.525,"end":335.845,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3498046398162842},{"word":"you","start":335.845,"end":336.345,"confidence":0.9980469,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.27969786524772644},{"word":"oh","start":344.13,"end":344.37,"confidence":0.9836426,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04943434149026871},{"word":"no","start":344.37,"end":344.69,"confidence":0.98657227,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.05646767094731331},{"word":"kobe's","start":344.69,"end":345.19,"confidence":0.6965332,"punctuated_word":"Kobe's","sentiment":"neutral","sentiment_score":-0.03364399075508118},{"word":"18","start":345.33002,"end":345.83002,"confidence":0.84375,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":-0.04093006253242493},{"word":"and","start":346.13,"end":346.37,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05789593234658241},{"word":"kian","start":346.37,"end":346.85,"confidence":0.66845703,"punctuated_word":"Kian","sentiment":"neutral","sentiment_score":-0.007033677771687508},{"word":"is","start":346.85,"end":347.01,"confidence":0.5239258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02978871390223503},{"word":"turning","start":347.01,"end":347.41,"confidence":1.0,"punctuated_word":"turning","sentiment":"neutral","sentiment_score":-0.007346786558628082},{"word":"17","start":347.41,"end":347.91,"confidence":0.9951172,"punctuated_word":"17","sentiment":"neutral","sentiment_score":-0.023564066737890244},{"word":"tomorrow","start":348.05002,"end":348.55002,"confidence":0.98706055,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":-0.03105519898235798},{"word":"yes","start":352.785,"end":353.185,"confidence":0.98291016,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.6351237893104553},{"word":"they've","start":353.185,"end":353.505,"confidence":0.9904785,"punctuated_word":"They've","sentiment":"positive","sentiment_score":0.6714009046554565},{"word":"definitely","start":353.505,"end":354.005,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.6583011150360107},{"word":"grown","start":354.065,"end":354.465,"confidence":1.0,"punctuated_word":"grown","sentiment":"positive","sentiment_score":0.5868157148361206},{"word":"up","start":354.465,"end":354.965,"confidence":0.99902344,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.6183038949966431},{"word":"it","start":357.66498,"end":357.985,"confidence":0.94628906,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2537776827812195},{"word":"sure","start":357.985,"end":358.305,"confidence":0.9941406,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2509564161300659},{"word":"does","start":358.305,"end":358.805,"confidence":0.99658203,"punctuated_word":"does.","sentiment":"positive","sentiment_score":0.3663823902606964},{"word":"it","start":359.10498,"end":359.26498,"confidence":0.5024414,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.24685530364513397},{"word":"sure","start":359.26498,"end":359.425,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.26635536551475525},{"word":"does","start":359.425,"end":359.82498,"confidence":0.99902344,"punctuated_word":"does.","sentiment":"positive","sentiment_score":0.3342403471469879},{"word":"do","start":359.82498,"end":359.985,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.050690360367298126},{"word":"you","start":359.985,"end":360.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0727577805519104},{"word":"have","start":360.145,"end":360.305,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0858893096446991},{"word":"children","start":360.305,"end":360.805,"confidence":1.0,"punctuated_word":"children?","sentiment":"neutral","sentiment_score":0.11069223284721376},{"word":"uh-huh","start":364.08,"end":364.58,"confidence":0.8713867,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.1116514727473259},{"word":"oh","start":367.52,"end":367.84,"confidence":0.8742676,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.6098431348800659},{"word":"beautiful","start":367.84,"end":368.34,"confidence":0.9980469,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.6907137632369995},{"word":"enjoy","start":368.96,"end":369.46,"confidence":0.9904785,"punctuated_word":"Enjoy.","sentiment":"positive","sentiment_score":0.5796222686767578},{"word":"it","start":369.84,"end":370.0,"confidence":0.98828125,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4234514534473419},{"word":"does","start":370.0,"end":370.31998,"confidence":0.99609375,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4302150011062622},{"word":"go","start":370.31998,"end":370.56,"confidence":0.9980469,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4033348262310028},{"word":"fast","start":370.56,"end":371.06,"confidence":0.7895508,"punctuated_word":"fast.","sentiment":"positive","sentiment_score":0.4022081196308136},{"word":"so","start":371.28,"end":371.52,"confidence":0.76953125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05961238220334053},{"word":"fast","start":371.52,"end":372.02,"confidence":0.99658203,"punctuated_word":"fast.","sentiment":"neutral","sentiment_score":0.043451182544231415},{"word":"yes","start":380.235,"end":380.735,"confidence":0.9914551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10267414897680284},{"word":"yes","start":387.115,"end":387.615,"confidence":0.77685547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0940886065363884},{"word":"i","start":387.675,"end":387.755,"confidence":0.8588867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.123094379901886},{"word":"hope","start":387.755,"end":388.07498,"confidence":0.9951172,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.17544713616371155},{"word":"so","start":388.07498,"end":388.315,"confidence":0.9916992,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.10831921547651292},{"word":"do","start":388.315,"end":388.555,"confidence":0.9790039,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02460314705967903},{"word":"you","start":388.555,"end":388.715,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036761440336704254},{"word":"take","start":388.715,"end":388.955,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.07512903213500977},{"word":"time","start":388.955,"end":389.275,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09298433363437653},{"word":"off","start":389.275,"end":389.435,"confidence":0.90527344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.05334876477718353},{"word":"in","start":389.435,"end":389.595,"confidence":0.9350586,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03788311779499054},{"word":"the","start":389.595,"end":389.675,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046826377511024475},{"word":"holidays","start":389.675,"end":390.175,"confidence":0.8803711,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":0.07202663272619247},{"word":"with","start":390.475,"end":390.715,"confidence":0.9604492,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09001895785331726},{"word":"them","start":390.715,"end":390.875,"confidence":0.71972656,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":0.08099567890167236},{"word":"or","start":390.875,"end":391.115,"confidence":0.4909668,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.049920860677957535},{"word":"yeah","start":396.24,"end":396.74,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.062057167291641235},{"word":"yep","start":398.8,"end":399.3,"confidence":0.8161621,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10255435109138487},{"word":"that's","start":407.575,"end":407.89502,"confidence":0.9260254,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5853005051612854},{"word":"great","start":407.89502,"end":408.39502,"confidence":0.8569336,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6117472648620605},{"word":"yeah","start":414.615,"end":415.115,"confidence":0.9152832,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2049727439880371},{"word":"all","start":415.255,"end":415.575,"confidence":0.6425781,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.43426012992858887},{"word":"good","start":415.575,"end":416.075,"confidence":0.9301758,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42173922061920166},{"word":"very","start":417.975,"end":418.375,"confidence":0.45751953,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.6199132204055786},{"word":"nice","start":418.375,"end":418.875,"confidence":0.97265625,"punctuated_word":"nice.","sentiment":"positive","sentiment_score":0.6341265439987183},{"word":"no","start":432.91,"end":433.31,"confidence":0.96972656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.021137617528438568},{"word":"i'm","start":433.31,"end":433.63,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.015203148126602173},{"word":"office","start":433.63,"end":434.13,"confidence":0.9951172,"punctuated_word":"office","sentiment":"neutral","sentiment_score":-0.011835086159408092},{"word":"manager","start":434.47498,"end":434.97498,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.007277623750269413},{"word":"at","start":435.115,"end":435.615,"confidence":0.98217773,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.016516702249646187},{"word":"like","start":435.75497,"end":435.995,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.014400620013475418},{"word":"a","start":435.995,"end":436.395,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0035553015768527985},{"word":"electrical","start":436.395,"end":436.895,"confidence":0.9980469,"punctuated_word":"electrical","sentiment":"neutral","sentiment_score":0.008314603939652443},{"word":"company","start":436.955,"end":437.455,"confidence":0.86328125,"punctuated_word":"company,","sentiment":"neutral","sentiment_score":-0.0035844501107931137},{"word":"everest","start":437.675,"end":438.175,"confidence":0.99316406,"punctuated_word":"Everest","sentiment":"neutral","sentiment_score":0.009340845048427582},{"word":"electrical","start":438.235,"end":438.715,"confidence":0.95410156,"punctuated_word":"Electrical","sentiment":"neutral","sentiment_score":0.011674684472382069},{"word":"company","start":438.715,"end":439.215,"confidence":0.67944336,"punctuated_word":"Company.","sentiment":"neutral","sentiment_score":0.009640296921133997},{"word":"and","start":440.155,"end":440.395,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.013205203227698805},{"word":"then","start":440.395,"end":440.79498,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.014315664768218994},{"word":"i","start":440.79498,"end":441.115,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014802347868680954},{"word":"do","start":441.115,"end":441.615,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0240855123847723},{"word":"part","start":441.675,"end":442.07498,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.034955140203237534},{"word":"time","start":442.07498,"end":442.57498,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0354248471558094},{"word":"sort","start":444.07498,"end":444.395,"confidence":0.6748047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0274899210780859},{"word":"of","start":444.395,"end":444.63498,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02898237854242325},{"word":"pting","start":444.63498,"end":445.13498,"confidence":0.68310547,"punctuated_word":"PTing","sentiment":"neutral","sentiment_score":0.023592516779899597},{"word":"now","start":446.155,"end":446.395,"confidence":0.9941406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.015850797295570374},{"word":"and","start":446.395,"end":446.63498,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0139519814401865},{"word":"then","start":446.63498,"end":447.13498,"confidence":0.99853516,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.0151972072198987},{"word":"for","start":454.29,"end":454.79,"confidence":0.4970703,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.01484740525484085},{"word":"the","start":455.01,"end":455.33002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02453632652759552},{"word":"pt","start":455.33002,"end":455.83002,"confidence":0.7441406,"punctuated_word":"PT,","sentiment":"neutral","sentiment_score":-0.023638365790247917},{"word":"no","start":455.89,"end":456.13,"confidence":0.76049805,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.03774048388004303},{"word":"it","start":456.13,"end":456.21002,"confidence":0.9892578,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.034124549478292465},{"word":"wouldn't","start":456.21002,"end":456.53,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.02816103957593441},{"word":"be","start":456.53,"end":456.69,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04319990426301956},{"word":"that","start":456.69,"end":456.93002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03740117698907852},{"word":"much","start":456.93002,"end":457.43002,"confidence":0.99560547,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.025525785982608795},{"word":"oh","start":458.85,"end":459.09,"confidence":0.94091797,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.047056302428245544},{"word":"i","start":459.09,"end":459.17,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05483342334628105},{"word":"don't","start":459.17,"end":459.41,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05537547916173935},{"word":"know","start":459.41,"end":459.65002,"confidence":0.9680176,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.046679481863975525},{"word":"maybe","start":459.65002,"end":460.15002,"confidence":0.9848633,"punctuated_word":"Maybe.","sentiment":"neutral","sentiment_score":-0.038500383496284485},{"word":"yeah","start":461.01,"end":461.41,"confidence":0.75512695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02011123299598694},{"word":"i","start":461.41,"end":461.57,"confidence":0.94921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02927626296877861},{"word":"guess","start":461.57,"end":461.89,"confidence":0.9970703,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.03210858255624771},{"word":"keep","start":461.89,"end":462.21002,"confidence":0.67578125,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.029276955872774124},{"word":"that","start":462.21002,"end":462.69,"confidence":0.93969727,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.024616211652755737},{"word":"i","start":462.69,"end":462.85,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0255349762737751},{"word":"guess","start":462.85,"end":463.17,"confidence":0.9980469,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.02230735309422016},{"word":"so","start":463.17,"end":463.41,"confidence":0.9387207,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.01728234626352787},{"word":"yeah","start":463.41,"end":463.91,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005155066028237343},{"word":"yes","start":472.505,"end":473.005,"confidence":0.92456055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0052784159779548645},{"word":"yeah","start":486.15,"end":486.63,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026676926761865616},{"word":"no","start":486.63,"end":487.13,"confidence":0.9724121,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08017434179782867},{"word":"yep","start":494.30502,"end":494.80502,"confidence":0.7475586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022873055189847943},{"word":"yes","start":501.905,"end":502.405,"confidence":0.86083984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01661461591720581},{"word":"i","start":502.465,"end":502.625,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004562193527817726},{"word":"guess","start":502.625,"end":503.125,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.005366276949644089},{"word":"so","start":503.345,"end":503.745,"confidence":0.8701172,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.0003502828476484865},{"word":"i","start":503.745,"end":503.905,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14059966802597046},{"word":"wouldn't","start":503.905,"end":504.225,"confidence":0.9975586,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.11913814395666122},{"word":"know","start":504.225,"end":504.465,"confidence":0.9863281,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1696917861700058},{"word":"the","start":504.465,"end":504.625,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15990573167800903},{"word":"value","start":504.625,"end":505.125,"confidence":0.88671875,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.16667065024375916},{"word":"of","start":505.42502,"end":505.58502,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13956117630004883},{"word":"it","start":505.58502,"end":505.745,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1269887536764145},{"word":"now","start":505.745,"end":505.98502,"confidence":0.98828125,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.11086337268352509},{"word":"hang","start":505.98502,"end":506.225,"confidence":0.9428711,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.02210206538438797},{"word":"on","start":506.225,"end":506.545,"confidence":0.9448242,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.0065490067936480045},{"word":"toyota","start":506.545,"end":507.045,"confidence":0.9970703,"punctuated_word":"Toyota","sentiment":"neutral","sentiment_score":0.015569157898426056},{"word":"kluger","start":507.42502,"end":507.92502,"confidence":0.73795575,"punctuated_word":"Kluger","sentiment":"neutral","sentiment_score":0.0016961414366960526},{"word":"'2","start":509.99002,"end":510.31,"confidence":0.9941406,"punctuated_word":"'2","sentiment":"neutral","sentiment_score":0.007566655054688454},{"word":"thousand","start":510.31,"end":510.79,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.008809138089418411},{"word":"and","start":510.79,"end":511.03,"confidence":0.8251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005563942715525627},{"word":"fourteen","start":511.03,"end":511.53,"confidence":0.9980469,"punctuated_word":"fourteen","sentiment":"neutral","sentiment_score":0.01144358143210411},{"word":"grand","start":512.31,"end":512.79004,"confidence":0.30444336,"punctuated_word":"Grand","sentiment":"neutral","sentiment_score":0.01509084366261959},{"word":"bay","start":512.79004,"end":513.29004,"confidence":0.84936523,"punctuated_word":"Bay.","sentiment":"neutral","sentiment_score":0.011899217963218687},{"word":"what","start":516.95,"end":517.35004,"confidence":0.8911133,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.014859534800052645},{"word":"are","start":517.35004,"end":517.51,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.019768618047237396},{"word":"they","start":517.51,"end":517.83,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.012126537039875984},{"word":"selling","start":517.83,"end":518.33,"confidence":0.9941406,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.011564682237803936},{"word":"for","start":518.47003,"end":518.97003,"confidence":0.9980469,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.009383373893797398},{"word":"oh","start":522.265,"end":522.765,"confidence":0.9465332,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01885291188955307},{"word":"still","start":522.90497,"end":523.14496,"confidence":0.9091797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03195047378540039},{"word":"in","start":523.14496,"end":523.385,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02266641706228256},{"word":"the","start":523.385,"end":523.545,"confidence":0.7939453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01866624504327774},{"word":"twenties","start":523.545,"end":524.045,"confidence":0.8918457,"punctuated_word":"twenties.","sentiment":"neutral","sentiment_score":-0.026184869930148125},{"word":"but","start":524.185,"end":524.305,"confidence":0.38427734,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.007981493137776852},{"word":"yeah","start":524.425,"end":524.745,"confidence":0.9250488,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.005952650681138039},{"word":"yeah","start":524.745,"end":524.90497,"confidence":0.91845703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015342459082603456},{"word":"that's","start":524.90497,"end":525.225,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.032662756741046906},{"word":"right","start":525.225,"end":525.545,"confidence":0.9921875,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.03752930462360382},{"word":"so","start":525.545,"end":525.705,"confidence":0.78222656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.020906180143356323},{"word":"about","start":525.705,"end":525.945,"confidence":0.6791992,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02725223079323769},{"word":"$2,023,000","start":525.945,"end":527.325,"confidence":0.94470215,"punctuated_word":"$2,023,000.","sentiment":"neutral","sentiment_score":0.05208570510149002},{"word":"perfect","start":527.545,"end":528.045,"confidence":0.99194336,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.669185996055603},{"word":"you've","start":537.2,"end":537.52,"confidence":0.7418213,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.0013653375208377838},{"word":"got","start":537.52,"end":537.68,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0037236008793115616},{"word":"the","start":537.68,"end":537.92,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0018209442496299744},{"word":"credit","start":537.92,"end":538.42,"confidence":1.0,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.020499490201473236},{"word":"card","start":538.8,"end":539.3,"confidence":0.8815918,"punctuated_word":"card.","sentiment":"neutral","sentiment_score":-0.01364920474588871},{"word":"my","start":540.8,"end":541.12,"confidence":0.9970703,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.04151516407728195},{"word":"husband","start":541.12,"end":541.62,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.06844475865364075},{"word":"has","start":541.92,"end":542.32,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0341014489531517},{"word":"an","start":542.32,"end":542.64,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03716188296675682},{"word":"old","start":542.64,"end":542.96,"confidence":0.99609375,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.08264754712581635},{"word":"work","start":542.96,"end":543.36,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.056556396186351776},{"word":"debt","start":543.36,"end":543.76,"confidence":0.9921875,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.04569394141435623},{"word":"of","start":543.76,"end":544.08,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.044912468641996384},{"word":"17,000","start":544.08,"end":545.14,"confidence":0.99975586,"punctuated_word":"17,000.","sentiment":"neutral","sentiment_score":-0.03232564404606819},{"word":"it","start":549.205,"end":549.365,"confidence":0.94921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.044717028737068176},{"word":"was","start":549.365,"end":549.605,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.042569227516651154},{"word":"an","start":549.605,"end":549.925,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03212730586528778},{"word":"overdraft","start":549.925,"end":550.425,"confidence":0.9995117,"punctuated_word":"overdraft","sentiment":"neutral","sentiment_score":-0.04719937965273857},{"word":"that","start":550.725,"end":550.885,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.034436360001564026},{"word":"he","start":550.885,"end":551.045,"confidence":0.99609375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.032088495790958405},{"word":"got","start":551.045,"end":551.285,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03194982185959816},{"word":"from","start":551.285,"end":551.445,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03380788117647171},{"word":"the","start":551.445,"end":551.685,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010539308190345764},{"word":"anz","start":551.685,"end":552.185,"confidence":0.82055664,"punctuated_word":"ANZ","sentiment":"neutral","sentiment_score":-0.02729950100183487},{"word":"bank","start":552.245,"end":552.745,"confidence":0.75439453,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":-0.02804628387093544},{"word":"and","start":553.125,"end":553.625,"confidence":0.62646484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.031398143619298935},{"word":"or","start":554.165,"end":554.325,"confidence":0.64697266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.020589198917150497},{"word":"that","start":554.325,"end":554.565,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0265643447637558},{"word":"his","start":554.565,"end":554.805,"confidence":0.9941406,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.05260809510946274},{"word":"dad","start":554.805,"end":555.045,"confidence":0.99902344,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.07893012464046478},{"word":"passed","start":555.045,"end":555.285,"confidence":1.0,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.09914126247167589},{"word":"on","start":555.285,"end":555.52496,"confidence":0.8183594,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07955958694219589},{"word":"to","start":555.52496,"end":555.605,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0703313797712326},{"word":"him","start":555.605,"end":555.845,"confidence":0.9970703,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.06059252843260765},{"word":"when","start":555.845,"end":556.085,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07448162138462067},{"word":"he","start":556.085,"end":556.165,"confidence":0.9951172,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.05714670196175575},{"word":"took","start":556.165,"end":556.325,"confidence":0.99902344,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.06734270602464676},{"word":"over","start":556.325,"end":556.645,"confidence":0.99316406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.08157261461019516},{"word":"the","start":556.645,"end":556.805,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05028590187430382},{"word":"business","start":556.805,"end":557.305,"confidence":0.8857422,"punctuated_word":"business,","sentiment":"neutral","sentiment_score":-0.06127465143799782},{"word":"and","start":557.365,"end":557.865,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08495676517486572},{"word":"he","start":558.325,"end":558.485,"confidence":0.99609375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.07589960098266602},{"word":"never","start":558.485,"end":558.805,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.1742861121892929},{"word":"managed","start":558.805,"end":559.205,"confidence":0.99902344,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.237994521856308},{"word":"it","start":559.205,"end":559.365,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09659913182258606},{"word":"well","start":559.365,"end":559.765,"confidence":0.9577637,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.11111819744110107},{"word":"so","start":559.765,"end":560.265,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008807249367237091},{"word":"we're","start":560.885,"end":561.045,"confidence":0.95336914,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.00243077939376235},{"word":"now","start":561.045,"end":561.545,"confidence":0.9873047,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0005464889109134674},{"word":"trying","start":561.85,"end":562.09,"confidence":0.97265625,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.035516053438186646},{"word":"to","start":562.09,"end":562.17,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07244570553302765},{"word":"pay","start":562.17,"end":562.41,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0012756288051605225},{"word":"that","start":562.41,"end":562.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04969623684883118},{"word":"down","start":562.73,"end":562.97003,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06992635875940323},{"word":"as","start":562.97003,"end":563.13,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0212874636054039},{"word":"well","start":563.13,"end":563.37,"confidence":0.99194336,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.028858110308647156},{"word":"so","start":563.37,"end":563.61,"confidence":0.87231445,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2482471615076065},{"word":"yes","start":563.61,"end":563.85,"confidence":0.9628906,"punctuated_word":"yes,","sentiment":"positive","sentiment_score":0.3655929565429687},{"word":"that's","start":563.85,"end":564.09,"confidence":0.90478516,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4455247521400452},{"word":"another","start":564.09,"end":564.49,"confidence":0.9980469,"punctuated_word":"another","sentiment":"positive","sentiment_score":0.4845123291015625},{"word":"lovely","start":564.49,"end":564.89,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.5384140610694885},{"word":"debt","start":564.89,"end":565.21,"confidence":0.9941406,"punctuated_word":"debt","sentiment":"positive","sentiment_score":0.4428594410419464},{"word":"we","start":565.21,"end":565.37,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.44914835691452026},{"word":"have","start":565.37,"end":565.53,"confidence":0.99609375,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4820081889629364},{"word":"from","start":565.53,"end":566.03,"confidence":0.9970703,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4596799612045288},{"word":"him","start":566.09,"end":566.59,"confidence":0.9885254,"punctuated_word":"him.","sentiment":"positive","sentiment_score":0.3595092296600342},{"word":"put","start":571.21,"end":571.45,"confidence":0.76708984,"punctuated_word":"Put","sentiment":"neutral","sentiment_score":0.002805894240736962},{"word":"18","start":571.45,"end":571.95,"confidence":0.95166016,"punctuated_word":"18","sentiment":"neutral","sentiment_score":0.0027559995651245117},{"word":"just","start":572.25,"end":572.49,"confidence":0.67626953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0012262798845767977},{"word":"in","start":572.49,"end":572.73,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008157847449183464},{"word":"case","start":572.73,"end":573.23,"confidence":0.9975586,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":0.012492753565311432},{"word":"yeah","start":573.77,"end":574.27,"confidence":0.88012695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014780139550566672},{"word":"okay","start":574.89,"end":575.39,"confidence":0.8129883,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.000941799022257328},{"word":"well","start":577.745,"end":578.225,"confidence":0.9458008,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04155341163277626},{"word":"the","start":578.225,"end":578.625,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0742172822356224},{"word":"new","start":578.625,"end":579.025,"confidence":0.99316406,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.06963100284337997},{"word":"so","start":579.185,"end":579.425,"confidence":0.9614258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07342110574245453},{"word":"he","start":579.425,"end":579.665,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.07262535393238068},{"word":"he","start":579.665,"end":579.90497,"confidence":0.9863281,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.08294165134429932},{"word":"kind","start":579.90497,"end":580.305,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07684996724128723},{"word":"of","start":580.305,"end":580.545,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07792738080024719},{"word":"went","start":580.545,"end":580.785,"confidence":0.9941406,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.14140000939369202},{"word":"into","start":580.785,"end":581.105,"confidence":0.96777344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.15599514544010162},{"word":"liquidation","start":581.105,"end":581.605,"confidence":0.8676758,"punctuated_word":"liquidation,","sentiment":"neutral","sentiment_score":-0.09797562658786774},{"word":"and","start":581.665,"end":581.825,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06332211196422577},{"word":"we","start":581.825,"end":582.065,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03977529332041741},{"word":"had","start":582.065,"end":582.305,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.028310801833868027},{"word":"the","start":582.305,"end":582.465,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05538051202893257},{"word":"new","start":582.465,"end":582.965,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.00034562498331069946},{"word":"the","start":583.425,"end":583.745,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024809304624795914},{"word":"guy","start":583.745,"end":584.065,"confidence":0.9941406,"punctuated_word":"guy","sentiment":"neutral","sentiment_score":0.005263790488243103},{"word":"that's","start":584.065,"end":584.305,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.004672097973525524},{"word":"been","start":584.305,"end":584.465,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.015689823776483536},{"word":"working","start":584.465,"end":584.865,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.015733622014522552},{"word":"for","start":584.865,"end":585.105,"confidence":0.55908203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02977774664759636},{"word":"seventeen","start":585.105,"end":585.585,"confidence":0.9980469,"punctuated_word":"seventeen","sentiment":"neutral","sentiment_score":-0.016888439655303955},{"word":"years","start":585.585,"end":585.825,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.003810971975326538},{"word":"came","start":585.825,"end":586.065,"confidence":0.99121094,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.019805751740932465},{"word":"on","start":586.065,"end":586.305,"confidence":0.83251953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03307652473449707},{"word":"board","start":586.305,"end":586.545,"confidence":0.9970703,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.03243482857942581},{"word":"as","start":586.545,"end":586.705,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.009991370141506197},{"word":"well","start":586.705,"end":587.025,"confidence":0.8249512,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.008018625900149345},{"word":"so","start":587.025,"end":587.185,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010505642741918564},{"word":"they","start":587.185,"end":587.345,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.034727320075035095},{"word":"restarted","start":587.345,"end":587.845,"confidence":0.98950195,"punctuated_word":"restarted","sentiment":"neutral","sentiment_score":0.028295442461967468},{"word":"the","start":588.625,"end":588.865,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009981617331504822},{"word":"business","start":588.865,"end":589.365,"confidence":0.91748047,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.0011383946985006332},{"word":"so","start":589.77,"end":590.01,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004687346518039703},{"word":"the","start":590.01,"end":590.17004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017437338829040527},{"word":"new","start":590.17004,"end":590.49005,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.057188473641872406},{"word":"business","start":590.49005,"end":590.81006,"confidence":0.99902344,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.004639044404029846},{"word":"is","start":590.81006,"end":591.05005,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.009562969207763672},{"word":"kind","start":591.05005,"end":591.37006,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0045756995677948},{"word":"of","start":591.37006,"end":591.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0021375566720962524},{"word":"paying","start":591.45,"end":591.77,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.036288537085056305},{"word":"it","start":591.77,"end":591.93005,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01666577160358429},{"word":"off","start":591.93005,"end":592.17004,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.02114587277173996},{"word":"because","start":592.17004,"end":592.33,"confidence":0.8491211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04061269760131836},{"word":"it","start":592.33,"end":592.49005,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05877045914530754},{"word":"was","start":592.49005,"end":592.73004,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08095863461494446},{"word":"still","start":592.73004,"end":592.97003,"confidence":0.97314453,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.05231089890003204},{"word":"for","start":592.97003,"end":593.13,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06175051629543304},{"word":"the","start":593.13,"end":593.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07535047829151154},{"word":"old","start":593.21,"end":593.45,"confidence":0.99316406,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.10584325343370438},{"word":"debt","start":593.45,"end":593.69,"confidence":0.743042,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.09244381636381148},{"word":"and","start":593.69,"end":593.85004,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07215023785829544},{"word":"that","start":593.85004,"end":594.33,"confidence":0.92089844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05189518257975578},{"word":"they're","start":594.49005,"end":594.65,"confidence":0.8496094,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.06104686111211777},{"word":"kinda","start":594.65,"end":595.05005,"confidence":0.6376953,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.05524542182683945},{"word":"paying","start":595.05005,"end":595.37006,"confidence":0.9951172,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.09749995172023772},{"word":"$200","start":595.37006,"end":596.43005,"confidence":0.99902344,"punctuated_word":"$200","sentiment":"neutral","sentiment_score":-0.07560209929943085},{"word":"here","start":596.57,"end":596.81006,"confidence":0.9970703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.043983884155750275},{"word":"and","start":596.81006,"end":596.97003,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05477200075984001},{"word":"there","start":596.97003,"end":597.37006,"confidence":0.8251953,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.047488875687122345},{"word":"so","start":597.37006,"end":597.87006,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.017274651676416397},{"word":"it's","start":598.09,"end":598.41003,"confidence":0.9345703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.009919187054038048},{"word":"coming","start":598.41003,"end":598.73004,"confidence":0.9980469,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.014724388718605042},{"word":"out","start":598.73004,"end":598.89,"confidence":0.984375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.030924536287784576},{"word":"of","start":598.89,"end":598.97003,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023569557815790176},{"word":"the","start":598.97003,"end":599.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024104107171297073},{"word":"business","start":599.21,"end":599.69,"confidence":0.99609375,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.02319531142711639},{"word":"one","start":599.69,"end":600.19,"confidence":0.8952637,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.03460272401571274},{"word":"not","start":602.25,"end":602.49005,"confidence":0.98828125,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.10285703092813492},{"word":"really","start":602.49005,"end":602.99005,"confidence":0.99121094,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1332995891571045},{"word":"us","start":603.13,"end":603.61005,"confidence":0.6323242,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.0999503880739212},{"word":"our","start":603.61005,"end":603.85004,"confidence":0.8618164,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.24390879273414612},{"word":"pocket","start":603.85004,"end":604.245,"confidence":0.99121094,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":-0.19818581640720367},{"word":"no","start":611.525,"end":612.025,"confidence":0.7614746,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07764402031898499},{"word":"no","start":613.205,"end":613.705,"confidence":0.93237305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10113471746444702},{"word":"yes","start":619.62,"end":620.12,"confidence":0.8479004,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.002965589053928852},{"word":"no","start":626.5,"end":627.0,"confidence":0.9885254,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08207830786705017},{"word":"just","start":627.06,"end":627.46,"confidence":0.9892578,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.04892163723707199},{"word":"the","start":627.46,"end":627.62,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07498296350240707},{"word":"standard","start":627.62,"end":628.12,"confidence":0.9658203,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.06677578389644623},{"word":"supplements","start":628.26,"end":628.76,"confidence":0.9550781,"punctuated_word":"supplements","sentiment":"neutral","sentiment_score":-0.05823449045419693},{"word":"and","start":628.89996,"end":629.14,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04154302179813385},{"word":"things","start":629.14,"end":629.64,"confidence":0.89086914,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.0512293353676796},{"word":"all","start":631.77997,"end":632.02,"confidence":0.51953125,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.024177007377147675},{"word":"the","start":632.02,"end":632.18,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01921260729432106},{"word":"stuff","start":632.18,"end":632.5,"confidence":0.99121094,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.043303512036800385},{"word":"that","start":632.5,"end":632.58,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019232366234064106},{"word":"you","start":632.58,"end":632.835,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019060514867305756},{"word":"see","start":632.995,"end":633.23505,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.027519475668668747},{"word":"on","start":633.23505,"end":633.635,"confidence":0.96875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02054855227470398},{"word":"that'll","start":633.715,"end":634.11505,"confidence":0.90625,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.030875951051712036},{"word":"help","start":634.11505,"end":634.59503,"confidence":0.78344727,"punctuated_word":"help.","sentiment":"neutral","sentiment_score":0.028854884207248688},{"word":"so","start":634.59503,"end":634.835,"confidence":0.9291992,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.0037299320101737976},{"word":"you","start":634.835,"end":634.995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014321453869342804},{"word":"know","start":634.995,"end":635.23505,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.009213337674736977},{"word":"i","start":635.23505,"end":635.315,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009267549961805344},{"word":"think","start":635.315,"end":635.555,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.00795777142047882},{"word":"it's","start":635.555,"end":636.055,"confidence":0.9851074,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.015767887234687805},{"word":"creatine","start":636.275,"end":636.775,"confidence":0.67626953,"punctuated_word":"creatine","sentiment":"neutral","sentiment_score":-0.01850256510078907},{"word":"and","start":636.91504,"end":637.075,"confidence":0.8828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05315258353948593},{"word":"collagen","start":637.075,"end":637.575,"confidence":0.97509766,"punctuated_word":"collagen","sentiment":"neutral","sentiment_score":-0.034282136708498},{"word":"and","start":639.47504,"end":639.715,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0288088358938694},{"word":"age","start":639.715,"end":640.195,"confidence":0.31921387,"punctuated_word":"age,","sentiment":"neutral","sentiment_score":-0.04976221174001694},{"word":"like","start":640.195,"end":640.35504,"confidence":0.9448242,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.026619646698236465},{"word":"we","start":650.25,"end":650.57,"confidence":0.8833008,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03701547533273697},{"word":"have","start":650.57,"end":650.81,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03773307800292969},{"word":"a","start":650.81,"end":650.89,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05187486112117767},{"word":"widow","start":650.89,"end":651.21,"confidence":0.95703125,"punctuated_word":"widow","sentiment":"neutral","sentiment_score":-0.08353477716445923},{"word":"from","start":651.21,"end":651.37006,"confidence":0.9951172,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07033511996269226},{"word":"when","start":651.37006,"end":651.61005,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.035614293068647385},{"word":"kobe","start":651.61005,"end":652.01,"confidence":0.8178711,"punctuated_word":"Kobe","sentiment":"neutral","sentiment_score":-0.04571161046624184},{"word":"was","start":652.01,"end":652.25,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05426358804106712},{"word":"first","start":652.25,"end":652.57,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.060499824583530426},{"word":"born","start":652.57,"end":653.07,"confidence":0.8745117,"punctuated_word":"born,","sentiment":"neutral","sentiment_score":-0.044204454869031906},{"word":"and","start":653.85004,"end":654.35004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.029638946056365967},{"word":"it","start":654.41003,"end":654.73004,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09004375338554382},{"word":"needs","start":654.73004,"end":655.05005,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.14464223384857178},{"word":"to","start":655.05005,"end":655.21,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1443769931793213},{"word":"be","start":655.21,"end":655.45,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1558780074119568},{"word":"updated","start":655.45,"end":655.95,"confidence":0.9189453,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":-0.05931445583701134},{"word":"but","start":656.09,"end":656.59,"confidence":0.98828125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0255109965801239},{"word":"it's","start":656.73004,"end":656.97003,"confidence":0.9550781,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.055257778614759445},{"word":"one","start":656.97003,"end":657.13,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0608600415289402},{"word":"of","start":657.13,"end":657.29004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05027618631720543},{"word":"those","start":657.29004,"end":657.53,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.06275606900453568},{"word":"things","start":657.53,"end":657.85004,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.06881095468997955},{"word":"i'm","start":657.85004,"end":658.01,"confidence":0.92944336,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09032930433750153},{"word":"always","start":658.01,"end":658.33,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.06347870826721191},{"word":"gonna","start":658.33,"end":658.73004,"confidence":0.67333984,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1076345145702362},{"word":"get","start":658.73004,"end":658.89,"confidence":0.9902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1461760401725769},{"word":"to","start":658.89,"end":659.05005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13469639420509338},{"word":"it","start":659.05005,"end":659.21,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1396005153656006},{"word":"and","start":659.21,"end":659.45,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0982404351234436},{"word":"haven't","start":659.45,"end":659.85004,"confidence":0.9713542,"punctuated_word":"haven't,","sentiment":"neutral","sentiment_score":-0.1290331929922104},{"word":"but","start":659.85004,"end":660.09,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06274276971817017},{"word":"i'd","start":660.09,"end":660.59,"confidence":0.9838867,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.07550576329231262},{"word":"love","start":660.615,"end":661.115,"confidence":0.9921875,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.046879515051841736},{"word":"to","start":667.0725,"end":667.5725,"confidence":0.9946289,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.07885381579399109},{"word":"okay","start":674.01,"end":674.51,"confidence":0.90893555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12199728190898897},{"word":"yes","start":679.29004,"end":679.79004,"confidence":0.98217773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09027702361345293},{"word":"yes","start":686.15497,"end":686.65497,"confidence":0.9289551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15030501782894137},{"word":"i","start":693.275,"end":693.435,"confidence":0.5385742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2961079478263855},{"word":"can","start":693.435,"end":693.935,"confidence":0.80029297,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.3064012825489044},{"word":"okay","start":705.38,"end":705.7,"confidence":0.7766113,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08493119478225708},{"word":"yeah","start":705.7,"end":705.94,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05814678966999054},{"word":"i","start":705.94,"end":706.02,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02081970125436783},{"word":"think","start":706.02,"end":706.18,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04684225469827652},{"word":"it's","start":706.18,"end":706.5,"confidence":0.9897461,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.026586946099996567},{"word":"always","start":706.5,"end":706.82,"confidence":0.9560547,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.03317183628678322},{"word":"been","start":706.82,"end":707.32,"confidence":0.90527344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04381078854203224},{"word":"money","start":707.38,"end":707.78,"confidence":0.515625,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03359759598970413},{"word":"thing","start":707.78,"end":708.28,"confidence":0.8249512,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.003193700686097145},{"word":"yeah","start":709.30005,"end":709.7,"confidence":0.9230957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016570495441555977},{"word":"yeah","start":709.7,"end":709.94,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014132970944046974},{"word":"but","start":709.94,"end":710.18,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.008929010480642319},{"word":"i","start":710.18,"end":710.26,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05096249282360077},{"word":"don't","start":710.26,"end":710.5,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06958666443824768},{"word":"know","start":710.5,"end":710.66003,"confidence":0.96240234,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05770721286535263},{"word":"how","start":710.66003,"end":710.82,"confidence":0.9873047,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.051790036261081696},{"word":"that's","start":711.62,"end":712.02,"confidence":0.9909668,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.002078577876091003},{"word":"true","start":712.02,"end":712.34,"confidence":1.0,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":0.0012184437364339828},{"word":"i","start":712.34,"end":712.42004,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1964380145072937},{"word":"don't","start":712.42004,"end":712.58,"confidence":0.98535156,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17922469973564148},{"word":"know","start":712.58,"end":712.74,"confidence":0.9428711,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2229282706975937},{"word":"how","start":712.74,"end":712.9,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.24615703523159027},{"word":"good","start":712.9,"end":713.14,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.2262205481529236},{"word":"it","start":713.14,"end":713.22003,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2721026539802551},{"word":"would","start":713.22003,"end":713.38,"confidence":0.9506836,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.21052540838718417},{"word":"be","start":713.38,"end":713.62,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20084567368030548},{"word":"though","start":713.62,"end":713.86005,"confidence":0.5234375,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.1938701570034027},{"word":"because","start":713.86005,"end":714.36005,"confidence":0.81762695,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.12207983434200288},{"word":"yeah","start":714.48505,"end":714.885,"confidence":0.9807129,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10751504451036452},{"word":"like","start":714.885,"end":715.385,"confidence":0.9580078,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13541465997695923},{"word":"we","start":715.765,"end":716.005,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13622522354125977},{"word":"didn't","start":716.005,"end":716.24506,"confidence":0.9975586,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1298121213912964},{"word":"have","start":716.24506,"end":716.48505,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17442545294761658},{"word":"a","start":716.48505,"end":716.565,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14548267424106598},{"word":"house","start":716.565,"end":716.965,"confidence":0.99902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.15498553216457367},{"word":"or","start":716.965,"end":717.04504,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2190336436033249},{"word":"anything","start":717.04504,"end":717.525,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.2149963229894638},{"word":"when","start":717.525,"end":717.68506,"confidence":0.74658203,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.18856051564216617},{"word":"kobe","start":717.68506,"end":718.085,"confidence":0.9428711,"punctuated_word":"Kobe","sentiment":"neutral","sentiment_score":-0.14844916760921478},{"word":"was","start":718.085,"end":718.325,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15298470854759216},{"word":"born","start":718.325,"end":718.825,"confidence":0.9975586,"punctuated_word":"born.","sentiment":"neutral","sentiment_score":-0.15362942218780518},{"word":"we","start":720.565,"end":720.72504,"confidence":0.9741211,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.02969871088862419},{"word":"had","start":720.72504,"end":721.04504,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03974945843219757},{"word":"a","start":721.04504,"end":721.125,"confidence":0.86279297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.039065852761268616},{"word":"union","start":721.125,"end":721.625,"confidence":0.9248047,"punctuated_word":"union.","sentiment":"neutral","sentiment_score":-0.05484846234321594},{"word":"i","start":735.86,"end":736.01996,"confidence":0.2668457,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005247190594673157},{"word":"can","start":736.01996,"end":736.51996,"confidence":0.74975586,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.009422700852155684},{"word":"uh-huh","start":750.925,"end":751.425,"confidence":0.96083987,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.033553652465343475},{"word":"yes","start":763.66003,"end":764.16003,"confidence":0.9790039,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1052018702030182},{"word":"okay","start":770.325,"end":770.805,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1590699851512909},{"word":"thank","start":770.805,"end":771.045,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4533313512802124},{"word":"you","start":771.045,"end":771.545,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4263508319854736},{"word":"great","start":773.205,"end":773.705,"confidence":0.9313965,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.3854306936264038},{"word":"no","start":779.365,"end":779.865,"confidence":0.74902344,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.36267754435539246},{"word":"would","start":780.08496,"end":780.325,"confidence":0.96533203,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.29099541902542114},{"word":"that","start":780.325,"end":780.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24696029722690585},{"word":"just","start":780.565,"end":780.725,"confidence":0.66064453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.20500823855400083},{"word":"be","start":780.725,"end":780.96497,"confidence":0.640625,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.38086673617362976},{"word":"my","start":780.96497,"end":781.205,"confidence":0.49951172,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.346437007188797},{"word":"husband","start":781.205,"end":781.705,"confidence":0.99902344,"punctuated_word":"husband?","sentiment":"neutral","sentiment_score":-0.25554096698760986},{"word":"uh-huh","start":806.355,"end":806.855,"confidence":0.9180664,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.237821102142334},{"word":"yep","start":814.36,"end":814.86,"confidence":0.7854004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08801665157079697},{"word":"okay","start":832.71497,"end":833.21497,"confidence":0.7001953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0482170432806015},{"word":"wow","start":842.235,"end":842.735,"confidence":0.94677734,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.1733364462852478},{"word":"yeah","start":848.85004,"end":849.25,"confidence":0.9680176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10824152827262878},{"word":"that's","start":849.25,"end":849.57,"confidence":0.9885254,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.14506471157073977},{"word":"we","start":849.65,"end":849.89,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15606094896793363},{"word":"don't","start":849.89,"end":850.13,"confidence":0.9790039,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1537076085805893},{"word":"have","start":850.13,"end":850.29004,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.20858295261859897},{"word":"that","start":850.29004,"end":850.69,"confidence":0.80200195,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.18378683924674988},{"word":"but","start":850.69,"end":850.93,"confidence":0.9902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.15221785008907318},{"word":"i","start":850.93,"end":851.01,"confidence":0.6738281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1640843003988266},{"word":"guess","start":851.01,"end":851.33,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.16954705119132996},{"word":"as","start":851.33,"end":851.57,"confidence":0.80908203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.16511395573616028},{"word":"far","start":851.57,"end":851.89,"confidence":0.9970703,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.12866193056106567},{"word":"as","start":851.89,"end":852.05,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08767244219779968},{"word":"other","start":852.05,"end":852.29004,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1285742223262787},{"word":"things","start":852.29004,"end":852.79004,"confidence":0.8540039,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.0693727657198906},{"word":"so","start":853.17,"end":853.41003,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.031492412090301514},{"word":"i","start":853.41003,"end":853.57,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022458195686340332},{"word":"need","start":853.57,"end":853.81,"confidence":0.8286133,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.04333283007144928},{"word":"to","start":853.81,"end":854.29004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04395965486764908},{"word":"appoint","start":854.29004,"end":854.77,"confidence":1.0,"punctuated_word":"appoint","sentiment":"neutral","sentiment_score":0.033575255423784256},{"word":"him","start":854.77,"end":854.93,"confidence":0.9970703,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.09207791835069656},{"word":"as","start":854.93,"end":855.17,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05754639208316803},{"word":"my","start":855.17,"end":855.67,"confidence":0.9892578,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03363259881734848},{"word":"power","start":858.11505,"end":858.275,"confidence":0.48657227,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.0027848780155181885},{"word":"of","start":858.275,"end":858.35504,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018143773078918457},{"word":"attorney","start":858.35504,"end":858.85504,"confidence":0.98950195,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":-0.021582067012786865},{"word":"can","start":859.075,"end":859.395,"confidence":0.9970703,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.05875744670629501},{"word":"you","start":859.395,"end":859.47504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031536489725112915},{"word":"have","start":859.47504,"end":859.715,"confidence":0.92333984,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.054652899503707886},{"word":"like","start":859.715,"end":859.955,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0718294158577919},{"word":"him","start":859.955,"end":860.195,"confidence":0.75512695,"punctuated_word":"him?","sentiment":"neutral","sentiment_score":-0.0495540015399456},{"word":"but","start":860.195,"end":860.35504,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.12324684858322144},{"word":"what","start":860.35504,"end":860.515,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2034621387720108},{"word":"if","start":860.515,"end":860.755,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.20383690297603607},{"word":"we","start":860.755,"end":860.91504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.22233159840106964},{"word":"both","start":860.91504,"end":861.315,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.24427057802677157},{"word":"pass","start":861.315,"end":861.635,"confidence":0.61376953,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.3134341835975647},{"word":"away","start":861.635,"end":862.03503,"confidence":0.7949219,"punctuated_word":"away?","sentiment":"neutral","sentiment_score":-0.20389202237129211},{"word":"would","start":862.03503,"end":862.53503,"confidence":0.9921875,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.13296958804130554},{"word":"then","start":862.755,"end":862.99506,"confidence":0.9633789,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12561382353305817},{"word":"you","start":862.99506,"end":863.155,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12686388194561005},{"word":"have","start":863.155,"end":863.315,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10089707374572754},{"word":"your","start":863.315,"end":863.55505,"confidence":0.9223633,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1174803301692009},{"word":"children","start":863.55505,"end":863.955,"confidence":0.99902344,"punctuated_word":"children","sentiment":"neutral","sentiment_score":-0.13858480751514435},{"word":"as","start":863.955,"end":864.11505,"confidence":0.8935547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11317719519138336},{"word":"a","start":864.11505,"end":864.195,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11191534996032716},{"word":"backup","start":864.195,"end":864.695,"confidence":0.8015137,"punctuated_word":"backup?","sentiment":"neutral","sentiment_score":-0.10504701733589172},{"word":"okay","start":877.5,"end":878.0,"confidence":0.83618164,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.09347186982631683},{"word":"mhmm","start":901.70996,"end":902.20996,"confidence":0.9864502,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.27594709396362305},{"word":"okay","start":915.065,"end":915.565,"confidence":0.8178711,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09238960593938828},{"word":"okay","start":930.44995,"end":930.94995,"confidence":0.65112305,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04530446976423263},{"word":"mhmm","start":966.72003,"end":967.22003,"confidence":0.94677734,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07403436303138733},{"word":"okay","start":993.27,"end":993.77,"confidence":0.9880371,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19901250302791595},{"word":"okay","start":993.99,"end":994.49,"confidence":0.8642578,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2664547264575958},{"word":"thank","start":994.79004,"end":995.11,"confidence":0.9892578,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.46695369482040405},{"word":"you","start":995.11,"end":995.61,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4586338400840759},{"word":"mhmm","start":1009.565,"end":1010.065,"confidence":0.9169922,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.22585640847682953},{"word":"that","start":1024.97,"end":1025.2899,"confidence":0.5917969,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.12966549396514893},{"word":"was","start":1025.2899,"end":1025.69,"confidence":0.80737305,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.10938942432403564},{"word":"i","start":1025.69,"end":1025.77,"confidence":0.91748047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12495118379592896},{"word":"think","start":1025.77,"end":1026.09,"confidence":0.9711914,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.14287647604942322},{"word":"for","start":1026.09,"end":1026.33,"confidence":0.80566406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16797463595867157},{"word":"next","start":1026.33,"end":1026.65,"confidence":0.83203125,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15341858565807345},{"word":"christmas","start":1026.65,"end":1027.095,"confidence":0.625,"punctuated_word":"Christmas.","sentiment":"neutral","sentiment_score":0.1665233075618744},{"word":"but","start":1028.455,"end":1028.955,"confidence":0.9604492,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10766096413135529},{"word":"i've","start":1031.335,"end":1031.575,"confidence":0.9470215,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1684313267469406},{"word":"always","start":1031.575,"end":1031.815,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.155206561088562},{"word":"it","start":1031.895,"end":1032.0549,"confidence":0.93115234,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18976189196109772},{"word":"was","start":1032.0549,"end":1032.215,"confidence":0.9707031,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16788645088672638},{"word":"my","start":1032.215,"end":1032.455,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.20168565213680267},{"word":"fiftieth","start":1032.455,"end":1032.9349,"confidence":0.9967448,"punctuated_word":"fiftieth","sentiment":"neutral","sentiment_score":0.17951571941375732},{"word":"next","start":1032.9349,"end":1033.1749,"confidence":0.97314453,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1893259733915329},{"word":"year","start":1033.1749,"end":1033.335,"confidence":0.94628906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.17808955907821655},{"word":"and","start":1033.335,"end":1033.495,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16117292642593384},{"word":"we","start":1033.495,"end":1033.655,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23905079066753387},{"word":"always","start":1033.655,"end":1033.975,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.24896568059921265},{"word":"wanted","start":1033.975,"end":1034.375,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.27514588832855225},{"word":"to","start":1034.375,"end":1034.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3110673129558563},{"word":"go","start":1034.455,"end":1034.775,"confidence":0.9970703,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.35081058740615845},{"word":"i","start":1034.9349,"end":1035.095,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28960198163986206},{"word":"always","start":1035.095,"end":1035.4149,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2364325225353241},{"word":"wanted","start":1035.4149,"end":1035.735,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.28382545709609985},{"word":"to","start":1035.735,"end":1035.895,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2917135953903198},{"word":"go","start":1035.895,"end":1036.135,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.305885374546051},{"word":"to","start":1036.135,"end":1036.2949,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.257869154214859},{"word":"the","start":1036.2949,"end":1036.455,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2239176630973816},{"word":"caribbean","start":1036.455,"end":1036.955,"confidence":0.75097656,"punctuated_word":"Caribbean.","sentiment":"neutral","sentiment_score":0.1854252815246582},{"word":"so","start":1037.335,"end":1037.835,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12436556071043016},{"word":"i","start":1039.19,"end":1039.4299,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24027922749519348},{"word":"prefer","start":1039.4299,"end":1039.91,"confidence":0.6850586,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.290052205324173},{"word":"to","start":1039.91,"end":1039.99,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27682656049728394},{"word":"go","start":1039.99,"end":1040.15,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.30794572830200195},{"word":"to","start":1040.15,"end":1040.3099,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2911720871925354},{"word":"the","start":1040.3099,"end":1040.5499,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.24011293053627017},{"word":"caribbean","start":1040.5499,"end":1041.0499,"confidence":0.9946289,"punctuated_word":"Caribbean.","sentiment":"neutral","sentiment_score":0.23943212628364563},{"word":"so","start":1041.11,"end":1041.35,"confidence":0.92822266,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2205895185470581},{"word":"yeah","start":1041.35,"end":1041.51,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2498973160982132},{"word":"we're","start":1041.51,"end":1041.67,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2817023694515228},{"word":"still","start":1041.67,"end":1041.91,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2505333721637726},{"word":"wanting","start":1041.91,"end":1042.3099,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.2865925431251526},{"word":"to","start":1042.3099,"end":1042.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3057860732078552},{"word":"do","start":1042.39,"end":1042.5499,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32215771079063416},{"word":"that","start":1042.5499,"end":1042.95,"confidence":0.9812012,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.25742214918136597},{"word":"hopefully","start":1042.95,"end":1043.45,"confidence":0.9914551,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.1675565093755722},{"word":"i","start":1043.75,"end":1043.91,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1810576468706131},{"word":"will","start":1043.91,"end":1044.41,"confidence":0.984375,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.20550569891929624},{"word":"we'll","start":1044.79,"end":1045.03,"confidence":0.98657227,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.08256925642490387},{"word":"see","start":1045.03,"end":1045.53,"confidence":0.99609375,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.09125976264476776},{"word":"yes","start":1050.39,"end":1050.71,"confidence":0.9909668,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.08852508664131165},{"word":"please","start":1050.71,"end":1051.21,"confidence":0.97021484,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.09797362238168716},{"word":"and","start":1051.99,"end":1052.23,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08029386401176453},{"word":"that'll","start":1052.23,"end":1052.5499,"confidence":0.9951172,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.08718538284301758},{"word":"be","start":1052.5499,"end":1052.865,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08810164034366608},{"word":"2020","start":1052.865,"end":1053.845,"confidence":0.99658203,"punctuated_word":"2020","sentiment":"neutral","sentiment_score":0.11567897349596024},{"word":"seven","start":1062.865,"end":1063.1849,"confidence":0.99658203,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":0.2717171609401703},{"word":"yes","start":1063.1849,"end":1063.6849,"confidence":0.83203125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14356830716133118},{"word":"yes","start":1071.16,"end":1071.66,"confidence":0.83496094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17606186866760254},{"word":"yes","start":1073.0,"end":1073.5,"confidence":0.95874023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12098664045333862},{"word":"yeah","start":1082.215,"end":1082.615,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018415968865156177},{"word":"it'll","start":1082.615,"end":1082.9349,"confidence":0.9433594,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.05989449471235275},{"word":"just","start":1082.9349,"end":1083.255,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05875970423221588},{"word":"depend","start":1083.255,"end":1083.755,"confidence":0.9946289,"punctuated_word":"depend.","sentiment":"neutral","sentiment_score":-0.04650181531906128},{"word":"yes","start":1118.875,"end":1119.375,"confidence":0.9567871,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07232071459293365},{"word":"yeah","start":1121.74,"end":1122.24,"confidence":0.96777344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11355742067098618},{"word":"tara","start":1122.2999,"end":1122.7799,"confidence":0.37695312,"punctuated_word":"Tara","sentiment":"neutral","sentiment_score":0.11104610562324524},{"word":"lifestyle","start":1122.7799,"end":1123.2799,"confidence":0.6047363,"punctuated_word":"lifestyle.","sentiment":"neutral","sentiment_score":0.12554582953453064},{"word":"and","start":1124.2999,"end":1124.7,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10325937718153},{"word":"retire","start":1124.7,"end":1125.1799,"confidence":0.69506836,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.09634971618652344},{"word":"but","start":1125.1799,"end":1125.6599,"confidence":0.84814453,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.07224211096763611},{"word":"yeah","start":1125.6599,"end":1125.98,"confidence":0.9291992,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09278348833322524},{"word":"i'd","start":1125.98,"end":1126.14,"confidence":0.99609375,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.17921118438243866},{"word":"like","start":1126.14,"end":1126.64,"confidence":0.99316406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22867724299430847},{"word":"to","start":1127.1,"end":1127.26,"confidence":0.63623047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3154910206794739},{"word":"be","start":1127.26,"end":1127.4199,"confidence":0.7167969,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22848986089229584},{"word":"able","start":1127.4199,"end":1127.58,"confidence":0.97998047,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.31873130798339844},{"word":"to","start":1127.58,"end":1127.6599,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3115900158882141},{"word":"finish","start":1127.6599,"end":1128.14,"confidence":0.99902344,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.277790904045105},{"word":"the","start":1128.14,"end":1128.2999,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2883988618850708},{"word":"house","start":1128.2999,"end":1128.5399,"confidence":0.9970703,"punctuated_word":"house","sentiment":"positive","sentiment_score":0.3372351825237274},{"word":"and","start":1128.5399,"end":1128.7799,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16957564651966095},{"word":"just","start":1128.7799,"end":1129.2799,"confidence":0.9421387,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.07607586681842804},{"word":"yeah","start":1129.5,"end":1129.82,"confidence":0.92944336,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.044199757277965546},{"word":"have","start":1129.82,"end":1130.0599,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06945628672838211},{"word":"more","start":1130.0599,"end":1130.5599,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01995614916086197},{"word":"have","start":1130.62,"end":1130.94,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023862354457378387},{"word":"more","start":1130.94,"end":1131.44,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.009813211858272552},{"word":"time","start":1131.5,"end":1131.82,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.039420753717422485},{"word":"back","start":1131.82,"end":1132.22,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1511342227458954},{"word":"so","start":1132.22,"end":1132.46,"confidence":0.46875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06393438577651978},{"word":"we're","start":1132.46,"end":1132.7,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.17810043692588806},{"word":"not","start":1132.7,"end":1133.2,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19948023557662964},{"word":"working","start":1133.735,"end":1134.2151,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.2998414933681488},{"word":"to","start":1134.2151,"end":1134.615,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.36356186866760254},{"word":"pay","start":1134.615,"end":1134.855,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.36592239141464233},{"word":"off","start":1134.855,"end":1135.175,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.26016515493392944},{"word":"the","start":1135.175,"end":1135.3351,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30746889114379883},{"word":"mortgage","start":1135.3351,"end":1135.735,"confidence":0.8742676,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.2739737033843994},{"word":"which","start":1135.735,"end":1135.9751,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.14343905448913574},{"word":"is","start":1135.9751,"end":1136.135,"confidence":0.90478516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18950501084327695},{"word":"always","start":1136.135,"end":1136.535,"confidence":0.57128906,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.09645825624465942},{"word":"seem","start":1136.535,"end":1136.775,"confidence":0.5625,"punctuated_word":"seem","sentiment":"neutral","sentiment_score":-0.03464377671480179},{"word":"to","start":1136.775,"end":1136.855,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026470184326171875},{"word":"be","start":1136.855,"end":1137.015,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05679066479206085},{"word":"doing","start":1137.015,"end":1137.515,"confidence":0.85498047,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.035932544618844986},{"word":"what","start":1157.99,"end":1158.23,"confidence":0.9951172,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.030808676034212112},{"word":"was","start":1158.23,"end":1158.47,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.047235652804374695},{"word":"that","start":1158.47,"end":1158.7899,"confidence":0.9628906,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.006326667964458466},{"word":"sorry","start":1158.7899,"end":1159.2899,"confidence":0.87646484,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06866191327571869},{"word":"yeah","start":1175.59,"end":1176.09,"confidence":0.8852539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09762466698884964},{"word":"i","start":1202.34,"end":1202.5,"confidence":0.9560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06054156273603439},{"word":"guess","start":1202.5,"end":1203.0,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.07770416140556335},{"word":"so","start":1203.22,"end":1203.46,"confidence":0.88500977,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.05121574550867081},{"word":"i'm","start":1203.46,"end":1203.7799,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0899958461523056},{"word":"not","start":1203.7799,"end":1204.0199,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09955602139234544},{"word":"sure","start":1204.0199,"end":1204.5199,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.09588904678821564},{"word":"what","start":1207.1399,"end":1207.3799,"confidence":0.6591797,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1366121768951416},{"word":"we","start":1207.3799,"end":1207.5399,"confidence":0.9243164,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12886150181293488},{"word":"would","start":1207.5399,"end":1208.0399,"confidence":0.9658203,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.13283413648605347},{"word":"need","start":1208.8999,"end":1209.22,"confidence":0.8857422,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":-0.10645274817943572},{"word":"that's","start":1209.22,"end":1209.3799,"confidence":0.9941406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1073237806558609},{"word":"obviously","start":1209.3799,"end":1209.86,"confidence":0.86572266,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.0830155685544014},{"word":"with","start":1209.86,"end":1210.0199,"confidence":0.94628906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09997889399528503},{"word":"the","start":1210.0199,"end":1210.1799,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1434076577425003},{"word":"mortgage","start":1210.1799,"end":1210.6599,"confidence":0.9970703,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.19893449544906616},{"word":"paid","start":1210.6599,"end":1210.8999,"confidence":0.9970703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.172166645526886},{"word":"off","start":1210.8999,"end":1211.3999,"confidence":0.99658203,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.14082267880439758},{"word":"i","start":1247.745,"end":1247.985,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21394330263137817},{"word":"would","start":1247.985,"end":1248.465,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.17067283391952515},{"word":"yep","start":1249.745,"end":1250.245,"confidence":0.94596356,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.16069771349430084},{"word":"if","start":1250.305,"end":1250.545,"confidence":0.9941406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.12256399542093276},{"word":"i","start":1250.625,"end":1250.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08114641159772873},{"word":"mean","start":1250.865,"end":1251.365,"confidence":0.99316406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.08602429926395416},{"word":"the","start":1251.585,"end":1251.8251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09572138637304306},{"word":"dream","start":1251.8251,"end":1252.3251,"confidence":0.99902344,"punctuated_word":"dream","sentiment":"neutral","sentiment_score":-0.0287589430809021},{"word":"is","start":1252.465,"end":1252.9451,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.016368955373764038},{"word":"to","start":1252.9451,"end":1253.025,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.039929911494255066},{"word":"keep","start":1253.025,"end":1253.31,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08879125118255615},{"word":"that","start":1253.63,"end":1253.79,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0913309082388878},{"word":"to","start":1254.03,"end":1254.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10916556417942049},{"word":"keep","start":1255.2301,"end":1255.31,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12706539034843445},{"word":"narrabeen","start":1255.31,"end":1255.81,"confidence":0.7669678,"punctuated_word":"Narrabeen,","sentiment":"neutral","sentiment_score":0.09781569242477416},{"word":"and","start":1258.1101,"end":1258.51,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0010431110858917236},{"word":"we'd","start":1258.51,"end":1258.8301,"confidence":0.90185547,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.01935754530131817},{"word":"look","start":1258.8301,"end":1259.0701,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.014138393104076384},{"word":"at","start":1259.0701,"end":1259.31,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05732814222574234},{"word":"getting","start":1259.31,"end":1259.63,"confidence":0.73327637,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":0.01892349123954773},{"word":"like","start":1259.63,"end":1259.79,"confidence":0.8432617,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02501317486166954},{"word":"i'd","start":1259.79,"end":1260.03,"confidence":0.9543457,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.018914466723799706},{"word":"love","start":1260.03,"end":1260.1901,"confidence":0.9970703,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.14429950714111328},{"word":"a","start":1260.1901,"end":1260.3501,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08508135378360748},{"word":"little","start":1260.3501,"end":1260.8301,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06487702578306198},{"word":"country","start":1260.8301,"end":1261.31,"confidence":0.99902344,"punctuated_word":"country","sentiment":"neutral","sentiment_score":0.1066795215010643},{"word":"place","start":1261.31,"end":1261.63,"confidence":0.99316406,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.060490332543849945},{"word":"or","start":1261.63,"end":1261.8701,"confidence":0.85058594,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0012872666120529177},{"word":"move","start":1261.8701,"end":1262.1101,"confidence":0.9951172,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.02070292830467224},{"word":"away","start":1262.1101,"end":1262.43,"confidence":0.99316406,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.022783614695072178},{"word":"or","start":1262.43,"end":1262.75,"confidence":0.85253906,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.013855326920747755},{"word":"you","start":1262.75,"end":1262.91,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0372801348567009},{"word":"know","start":1262.91,"end":1263.2301,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02407858520746231},{"word":"country","start":1263.2301,"end":1263.63,"confidence":0.98095703,"punctuated_word":"country","sentiment":"neutral","sentiment_score":0.1498820185661316},{"word":"and","start":1263.63,"end":1263.9501,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.053973905742168427},{"word":"beach","start":1263.9501,"end":1264.27,"confidence":0.84472656,"punctuated_word":"beach,","sentiment":"neutral","sentiment_score":0.08759494125843048},{"word":"but","start":1264.27,"end":1264.43,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03717857599258423},{"word":"a","start":1264.43,"end":1264.5901,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05866775661706925},{"word":"smaller","start":1264.5901,"end":1265.0701,"confidence":0.99609375,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.051164790987968445},{"word":"home","start":1265.0701,"end":1265.39,"confidence":0.7878418,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.01288590207695961},{"word":"yes","start":1265.39,"end":1265.7101,"confidence":0.97753906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.009188863448798656},{"word":"but","start":1265.7101,"end":1265.9501,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02352496981620789},{"word":"with","start":1265.9501,"end":1266.27,"confidence":0.97509766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05019569396972656},{"word":"maybe","start":1266.27,"end":1266.67,"confidence":0.92822266,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.0712650939822197},{"word":"some","start":1266.67,"end":1266.91,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.05519744008779526},{"word":"land","start":1266.91,"end":1267.41,"confidence":0.91845703,"punctuated_word":"land.","sentiment":"neutral","sentiment_score":-0.017157021909952164},{"word":"always","start":1267.975,"end":1268.2949,"confidence":0.82177734,"punctuated_word":"Always","sentiment":"neutral","sentiment_score":0.02710612118244171},{"word":"wanted","start":1268.2949,"end":1268.615,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.022634267807006836},{"word":"that","start":1268.615,"end":1268.7749,"confidence":0.89501953,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06859797239303589},{"word":"but","start":1268.7749,"end":1269.0149,"confidence":0.9267578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02821604162454605},{"word":"i'd","start":1269.0149,"end":1269.1749,"confidence":0.99902344,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.04229460656642914},{"word":"love","start":1269.1749,"end":1269.335,"confidence":0.9970703,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.284624308347702},{"word":"to","start":1269.335,"end":1269.4149,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23965542018413544},{"word":"keep","start":1269.4149,"end":1269.735,"confidence":0.99316406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2597675323486328},{"word":"narabim","start":1269.735,"end":1270.215,"confidence":0.6571655,"punctuated_word":"Narabim.","sentiment":"neutral","sentiment_score":0.2613884508609772},{"word":"but","start":1270.215,"end":1270.715,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03876355290412903},{"word":"if","start":1271.0149,"end":1271.5149,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2961505353450775},{"word":"we","start":1271.975,"end":1272.2949,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.30926093459129333},{"word":"haven't","start":1272.2949,"end":1272.615,"confidence":0.85839844,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.35749298334121704},{"word":"and","start":1272.695,"end":1272.855,"confidence":0.7944336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.32092803716659546},{"word":"we're","start":1272.855,"end":1273.095,"confidence":0.98706055,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.4161248803138733},{"word":"unable","start":1273.095,"end":1273.575,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.48672372102737427},{"word":"to","start":1273.575,"end":1273.6549,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5435193777084351},{"word":"pay","start":1273.6549,"end":1273.8949,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.4840007424354553},{"word":"off","start":1273.8949,"end":1274.0549,"confidence":0.9970703,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.43149295449256897},{"word":"this","start":1274.0549,"end":1274.2949,"confidence":0.9951172,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4967224001884461},{"word":"mortgage","start":1274.2949,"end":1274.695,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"negative","sentiment_score":-0.3909671902656555},{"word":"and","start":1274.695,"end":1274.7749,"confidence":0.59472656,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3431747853755951},{"word":"that","start":1274.7749,"end":1275.0149,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.30679166316986084},{"word":"then","start":1275.0149,"end":1275.5149,"confidence":0.6608887,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.2655670642852783},{"word":"yeah","start":1275.735,"end":1275.975,"confidence":0.74658203,"punctuated_word":"yeah,","sentiment":"negative","sentiment_score":-0.3399531841278076},{"word":"sort","start":1275.975,"end":1276.215,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.3606985211372375},{"word":"of","start":1276.215,"end":1276.375,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3673520982265472},{"word":"within","start":1276.375,"end":1276.7749,"confidence":0.93359375,"punctuated_word":"within","sentiment":"negative","sentiment_score":-0.4016670286655426},{"word":"five","start":1276.7749,"end":1277.0149,"confidence":0.9980469,"punctuated_word":"five","sentiment":"negative","sentiment_score":-0.41488853096961975},{"word":"years","start":1277.0149,"end":1277.335,"confidence":0.9099121,"punctuated_word":"years,","sentiment":"negative","sentiment_score":-0.3602451980113983},{"word":"i","start":1277.335,"end":1277.4149,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4238169491291046},{"word":"wanna","start":1277.4149,"end":1277.815,"confidence":0.46118164,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.3089146018028259},{"word":"sell","start":1277.815,"end":1278.315,"confidence":0.71765137,"punctuated_word":"sell.","sentiment":"neutral","sentiment_score":-0.2099339663982391},{"word":"because","start":1278.855,"end":1279.1749,"confidence":0.96875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.3029365539550781},{"word":"we","start":1279.1749,"end":1279.335,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3974358141422272},{"word":"just","start":1279.335,"end":1279.575,"confidence":0.99902344,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.35192087292671204},{"word":"can't","start":1279.575,"end":1279.815,"confidence":0.9658203,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.4358133673667908},{"word":"keep","start":1279.815,"end":1279.975,"confidence":0.7290039,"punctuated_word":"keep","sentiment":"negative","sentiment_score":-0.490037202835083},{"word":"going","start":1279.975,"end":1280.455,"confidence":0.9951172,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.45751819014549255},{"word":"paying","start":1280.455,"end":1280.955,"confidence":0.9589844,"punctuated_word":"paying","sentiment":"negative","sentiment_score":-0.4771915674209595},{"word":"the","start":1281.63,"end":1281.79,"confidence":0.98828125,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5031622648239136},{"word":"mortgage","start":1281.79,"end":1282.29,"confidence":0.9980469,"punctuated_word":"mortgage","sentiment":"negative","sentiment_score":-0.4556943774223328},{"word":"the","start":1282.35,"end":1282.51,"confidence":0.99609375,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.398714542388916},{"word":"way","start":1282.51,"end":1282.75,"confidence":0.99902344,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.3734828233718872},{"word":"it","start":1282.75,"end":1282.8301,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3264283239841461},{"word":"is","start":1282.8301,"end":1283.3301,"confidence":0.9970703,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.21873739361763},{"word":"yes","start":1289.79,"end":1290.29,"confidence":0.9951172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03086210787296295},{"word":"yes","start":1290.35,"end":1290.67,"confidence":0.97753906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024550076574087143},{"word":"he's","start":1290.67,"end":1290.99,"confidence":0.9838867,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.03455258533358574},{"word":"self","start":1290.99,"end":1291.39,"confidence":0.9970703,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.04204981029033661},{"word":"employed","start":1291.39,"end":1291.89,"confidence":0.9980469,"punctuated_word":"employed.","sentiment":"neutral","sentiment_score":0.01628531701862812},{"word":"no","start":1302.385,"end":1302.625,"confidence":0.8171387,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.015152320265769958},{"word":"we","start":1302.625,"end":1302.865,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.035261720418930054},{"word":"do","start":1302.865,"end":1303.105,"confidence":0.9580078,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07864774763584137},{"word":"look","start":1303.105,"end":1303.345,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.012708023190498352},{"word":"after","start":1303.345,"end":1303.6649,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.014107510447502136},{"word":"dogs","start":1303.6649,"end":1304.1649,"confidence":0.79125977,"punctuated_word":"dogs,","sentiment":"neutral","sentiment_score":0.07733270525932312},{"word":"so","start":1304.3049,"end":1304.705,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10011673718690872},{"word":"we","start":1304.705,"end":1304.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1555469036102295},{"word":"get","start":1304.865,"end":1305.1849,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10829567909240724},{"word":"some","start":1305.1849,"end":1305.345,"confidence":0.86621094,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04120149463415146},{"word":"on","start":1305.345,"end":1305.6649,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.059383705258369446},{"word":"the","start":1305.6649,"end":1305.825,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06427130103111267},{"word":"side","start":1305.825,"end":1306.3049,"confidence":0.8942871,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.04315433278679848},{"word":"but","start":1306.3049,"end":1306.8049,"confidence":0.93652344,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.05583370849490166},{"word":"obviously","start":1307.9049,"end":1308.4049,"confidence":0.83154297,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1219874918460846},{"word":"that's","start":1308.5449,"end":1309.0449,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1493249237537384},{"word":"that's","start":1309.59,"end":1309.83,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1080569624900818},{"word":"not","start":1309.83,"end":1310.3099,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.00180758535861969},{"word":"sort","start":1310.3099,"end":1310.39,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.023105144500732425},{"word":"of","start":1310.39,"end":1310.63,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0938323140144348},{"word":"on","start":1310.63,"end":1310.7899,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.005623087286949158},{"word":"the","start":1310.7899,"end":1310.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03036077320575714},{"word":"books","start":1310.87,"end":1311.19,"confidence":0.9873047,"punctuated_word":"books","sentiment":"neutral","sentiment_score":-0.04760086536407471},{"word":"or","start":1311.19,"end":1311.4299,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023442253470420837},{"word":"anything","start":1311.4299,"end":1311.91,"confidence":0.7988281,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.0420030802488327},{"word":"but","start":1311.91,"end":1312.15,"confidence":0.96875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17146429419517517},{"word":"that","start":1312.15,"end":1312.3099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3027123808860779},{"word":"helps","start":1312.3099,"end":1312.63,"confidence":0.99902344,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.2526915371417999},{"word":"us","start":1312.63,"end":1312.95,"confidence":0.98828125,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.31412750482559204},{"word":"survive","start":1312.95,"end":1313.45,"confidence":0.9663086,"punctuated_word":"survive.","sentiment":"neutral","sentiment_score":0.2443371415138245},{"word":"that's","start":1313.75,"end":1314.15,"confidence":0.91381836,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.27135393023490906},{"word":"what","start":1314.15,"end":1314.3099,"confidence":0.49609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2610921561717987},{"word":"we","start":1314.3099,"end":1314.39,"confidence":0.6118164,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30132851004600525},{"word":"started","start":1314.39,"end":1314.7899,"confidence":0.9560547,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.32550156116485596},{"word":"with","start":1314.7899,"end":1314.95,"confidence":0.6801758,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3054651618003845},{"word":"just","start":1314.95,"end":1315.19,"confidence":0.6015625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30286213755607605},{"word":"friends","start":1315.19,"end":1315.4299,"confidence":0.83203125,"punctuated_word":"friends,","sentiment":"neutral","sentiment_score":0.3212137222290039},{"word":"and","start":1315.4299,"end":1315.6699,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2842073142528534},{"word":"my","start":1315.6699,"end":1315.83,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3162970542907715},{"word":"daughter","start":1315.83,"end":1316.23,"confidence":0.9707031,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.24034644663333893},{"word":"started","start":1316.23,"end":1316.63,"confidence":0.97509766,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.2731668949127197},{"word":"it","start":1316.63,"end":1316.7899,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3083474636077881},{"word":"actually","start":1316.7899,"end":1317.2899,"confidence":0.7468262,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.15482968091964722},{"word":"and","start":1318.47,"end":1318.63,"confidence":0.59814453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0956389456987381},{"word":"then","start":1318.63,"end":1318.87,"confidence":0.97509766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08381243795156479},{"word":"it","start":1318.87,"end":1319.03,"confidence":0.49414062,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.057084716856479645},{"word":"just","start":1319.03,"end":1319.35,"confidence":0.46289062,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10838571190834044},{"word":"grew","start":1319.35,"end":1319.85,"confidence":0.8977051,"punctuated_word":"grew.","sentiment":"neutral","sentiment_score":0.17520973086357117},{"word":"mhmm","start":1348.8201,"end":1349.3201,"confidence":0.94226074,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07321421056985855},{"word":"i","start":1354.0751,"end":1354.235,"confidence":0.63134766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16953453421592712},{"word":"can","start":1354.235,"end":1354.735,"confidence":0.9926758,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.17983677983283997},{"word":"not","start":1367.4,"end":1367.72,"confidence":0.9716797,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.12611791491508484},{"word":"as","start":1367.72,"end":1367.88,"confidence":0.94384766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09650737047195436},{"word":"yet","start":1367.88,"end":1368.28,"confidence":0.7675781,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.10188011080026628},{"word":"not","start":1368.28,"end":1368.4401,"confidence":0.9873047,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.19469128549098969},{"word":"at","start":1368.4401,"end":1368.6,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2515142858028412},{"word":"the","start":1368.6,"end":1368.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2182660698890686},{"word":"moment","start":1368.76,"end":1369.0801,"confidence":0.99365234,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.24713356792926788},{"word":"no","start":1369.0801,"end":1369.3201,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1573244035243988},{"word":"like","start":1369.3201,"end":1369.56,"confidence":0.99902344,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.14224231243133545},{"word":"i","start":1369.56,"end":1369.64,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.091753289103508},{"word":"said","start":1369.64,"end":1369.88,"confidence":0.98657227,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.0726168155670166},{"word":"there","start":1369.88,"end":1370.04,"confidence":0.9790039,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08913877606391907},{"word":"was","start":1370.04,"end":1370.28,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10091820359230042},{"word":"a","start":1370.28,"end":1370.4401,"confidence":0.37890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09100663661956788},{"word":"investment","start":1370.4401,"end":1370.9401,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.067536361515522},{"word":"thing","start":1371.0801,"end":1371.3201,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.05814189463853836},{"word":"that","start":1371.3201,"end":1371.48,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.040720775723457336},{"word":"we","start":1371.48,"end":1371.64,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06397596746683121},{"word":"were","start":1371.64,"end":1371.88,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.09606259316205978},{"word":"looking","start":1371.88,"end":1372.2001,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.02494959533214569},{"word":"at","start":1372.2001,"end":1372.7001,"confidence":0.88012695,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.04934404790401459},{"word":"but","start":1373.0801,"end":1373.5801,"confidence":0.82177734,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.0042927321046590805},{"word":"yeah","start":1374.68,"end":1375.0,"confidence":0.7734375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06438913196325302},{"word":"i","start":1375.0,"end":1375.16,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06495404243469238},{"word":"think","start":1375.16,"end":1375.4,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08041170984506607},{"word":"at","start":1375.4,"end":1375.56,"confidence":0.91845703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.012396842241287231},{"word":"the","start":1375.56,"end":1375.72,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010747328400611876},{"word":"moment","start":1375.72,"end":1376.22,"confidence":0.81933594,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.02399411052465439},{"word":"we","start":1376.36,"end":1376.68,"confidence":0.89501953,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05332575738430023},{"word":"did","start":1376.68,"end":1377.0801,"confidence":0.26660156,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07266515493392944},{"word":"i","start":1377.16,"end":1377.3201,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00311964750289917},{"word":"need","start":1377.3201,"end":1377.56,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.006605774164199829},{"word":"to","start":1377.56,"end":1377.8,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040528103709220886},{"word":"concentrate","start":1377.8,"end":1378.3,"confidence":1.0,"punctuated_word":"concentrate","sentiment":"neutral","sentiment_score":0.10382387042045592},{"word":"on","start":1378.4401,"end":1378.845,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19985070824623108},{"word":"adding","start":1379.245,"end":1379.485,"confidence":0.99902344,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.25630223751068115},{"word":"value","start":1379.485,"end":1379.885,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.29210638999938965},{"word":"to","start":1379.885,"end":1380.0449,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3924988806247711},{"word":"the","start":1380.0449,"end":1380.205,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3631073832511902},{"word":"home","start":1380.205,"end":1380.6849,"confidence":0.9199219,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.222546324133873},{"word":"i","start":1380.6849,"end":1380.845,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10966816544532776},{"word":"guess","start":1380.845,"end":1381.1649,"confidence":0.9641113,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.154341459274292},{"word":"if","start":1381.1649,"end":1381.325,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10217658430337906},{"word":"we're","start":1381.325,"end":1381.485,"confidence":0.7792969,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08809304237365723},{"word":"going","start":1381.485,"end":1381.8049,"confidence":0.8730469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12904393672943115},{"word":"and","start":1381.8049,"end":1381.965,"confidence":0.83203125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1254352629184723},{"word":"try","start":1381.965,"end":1382.205,"confidence":0.9404297,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.11272329837083817},{"word":"to","start":1382.205,"end":1382.365,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11984854191541672},{"word":"get","start":1382.365,"end":1382.525,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06561602652072906},{"word":"that","start":1382.525,"end":1382.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1253148913383484},{"word":"finished","start":1382.765,"end":1383.265,"confidence":0.69189453,"punctuated_word":"finished,","sentiment":"neutral","sentiment_score":0.10437923669815063},{"word":"if","start":1383.965,"end":1384.2849,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07896962761878967},{"word":"we're","start":1384.2849,"end":1384.525,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0572182759642601},{"word":"going","start":1384.525,"end":1384.765,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07299841195344925},{"word":"to","start":1384.765,"end":1385.265,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1035422459244728},{"word":"move","start":1385.8049,"end":1386.0449,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.10787983983755112},{"word":"on","start":1386.0449,"end":1386.365,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12656505405902865},{"word":"from","start":1386.365,"end":1386.605,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06324758380651474},{"word":"there","start":1386.605,"end":1387.105,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09144431352615356},{"word":"mhmm","start":1397.7,"end":1398.2,"confidence":0.98217773,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.040337760001420975},{"word":"yep","start":1426.2799,"end":1426.7799,"confidence":0.89501953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31200259923934937},{"word":"yeah","start":1433.045,"end":1433.545,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005347723141312599},{"word":"no","start":1434.405,"end":1434.645,"confidence":0.9296875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17641983926296234},{"word":"i","start":1434.645,"end":1434.965,"confidence":0.9038086,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07823020964860916},{"word":"i","start":1434.965,"end":1435.205,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1717931181192398},{"word":"think","start":1435.205,"end":1435.605,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12214943766593932},{"word":"just","start":1435.605,"end":1435.9249,"confidence":0.94384766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10198792070150375},{"word":"at","start":1435.9249,"end":1436.085,"confidence":0.9013672,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14383631944656372},{"word":"least","start":1436.085,"end":1436.405,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.14181745052337646},{"word":"to","start":1436.405,"end":1436.565,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12395481765270232},{"word":"make","start":1436.565,"end":1436.8049,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10820169001817705},{"word":"sure","start":1436.8049,"end":1437.125,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.06894367188215256},{"word":"the","start":1437.125,"end":1437.525,"confidence":0.66259766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09547914564609528},{"word":"the","start":1437.525,"end":1437.765,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1431429237127304},{"word":"house","start":1437.765,"end":1438.085,"confidence":0.9819336,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.19957387447357175},{"word":"is","start":1438.085,"end":1438.245,"confidence":0.96435547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.058109164237976074},{"word":"paid","start":1438.245,"end":1438.565,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.15814422070980072},{"word":"off","start":1438.565,"end":1438.725,"confidence":0.9951172,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.14395973086357117},{"word":"is","start":1438.725,"end":1438.965,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10051530599594116},{"word":"the","start":1438.965,"end":1439.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10782795399427414},{"word":"main","start":1439.125,"end":1439.365,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.07967223227024078},{"word":"thing","start":1439.365,"end":1439.6849,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0009715408086776732},{"word":"because","start":1439.6849,"end":1440.005,"confidence":0.6064453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07335816323757172},{"word":"then","start":1440.005,"end":1440.505,"confidence":0.9892578,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.07568689435720444},{"word":"you","start":1441.285,"end":1441.445,"confidence":0.8354492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08113271743059158},{"word":"know","start":1441.445,"end":1441.9249,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10198071599006651},{"word":"the","start":1441.9249,"end":1442.085,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06514105200767517},{"word":"funds","start":1442.085,"end":1442.405,"confidence":0.98535156,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.115726038813591},{"word":"will","start":1442.405,"end":1442.645,"confidence":0.9277344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.021499797701835632},{"word":"be","start":1442.645,"end":1442.8049,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03090415894985199},{"word":"freed","start":1442.8049,"end":1443.125,"confidence":0.99121094,"punctuated_word":"freed","sentiment":"neutral","sentiment_score":0.004248790442943573},{"word":"up","start":1443.125,"end":1443.285,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06001587212085724},{"word":"for","start":1443.285,"end":1443.785,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10215069353580476},{"word":"whatever","start":1444.005,"end":1444.485,"confidence":0.99609375,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.09643179178237916},{"word":"money","start":1444.485,"end":1444.885,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.10913592576980592},{"word":"comes","start":1444.885,"end":1445.205,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.11855000257492064},{"word":"in","start":1445.205,"end":1445.705,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1411210000514984},{"word":"to","start":1446.25,"end":1446.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22579914331436157},{"word":"survive","start":1446.57,"end":1446.97,"confidence":0.9970703,"punctuated_word":"survive","sentiment":"neutral","sentiment_score":-0.2465115189552307},{"word":"on","start":1446.97,"end":1447.21,"confidence":0.7272949,"punctuated_word":"on,","sentiment":"negative","sentiment_score":-0.3345317542552948},{"word":"so","start":1447.21,"end":1447.37,"confidence":0.97265625,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.3346000909805298},{"word":"it's","start":1447.37,"end":1447.53,"confidence":0.95703125,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3760484457015991},{"word":"just","start":1447.53,"end":1447.77,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2833021581172943},{"word":"getting","start":1447.77,"end":1448.01,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.33069688081741333},{"word":"rid","start":1448.01,"end":1448.25,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.27399519085884094},{"word":"of","start":1448.25,"end":1448.41,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2877824604511261},{"word":"the","start":1448.41,"end":1448.65,"confidence":0.83251953,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.38801565766334534},{"word":"house","start":1448.65,"end":1449.15,"confidence":0.92871094,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":-0.2727426588535309},{"word":"that's","start":1450.65,"end":1451.13,"confidence":0.6341553,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09512977302074432},{"word":"it","start":1451.13,"end":1451.63,"confidence":0.6282959,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09500157833099364},{"word":"yep","start":1467.1849,"end":1467.6849,"confidence":0.89697266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05107998102903366},{"word":"oh","start":1476.66,"end":1476.8201,"confidence":0.80566406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01801271177828312},{"word":"got","start":1476.8201,"end":1477.14,"confidence":0.99121094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.010333798825740814},{"word":"you","start":1477.14,"end":1477.4601,"confidence":0.9770508,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.015268404968082905},{"word":"yeah","start":1477.4601,"end":1477.9401,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00888931192457676},{"word":"maybe","start":1477.9401,"end":1478.4401,"confidence":0.9892578,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.027815230190753937},{"word":"maybe","start":1478.9801,"end":1479.38,"confidence":0.7043457,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":-0.02572469227015972},{"word":"i","start":1479.38,"end":1479.4601,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028092242777347565},{"word":"guess","start":1479.4601,"end":1479.78,"confidence":0.967041,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.0293856430798769},{"word":"they're","start":1479.78,"end":1480.02,"confidence":0.63623047,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.026268376037478447},{"word":"all","start":1480.02,"end":1480.18,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.014385674148797987},{"word":"going","start":1480.18,"end":1480.5801,"confidence":0.9863281,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03418995067477226},{"word":"to","start":1480.5801,"end":1481.0801,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029546789824962616},{"word":"kim","start":1482.5801,"end":1482.9801,"confidence":0.7709961,"punctuated_word":"Kim.","sentiment":"neutral","sentiment_score":-0.01980997994542122},{"word":"is","start":1482.9801,"end":1483.14,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.023341843858361244},{"word":"that","start":1483.14,"end":1483.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02693813294172287},{"word":"what","start":1483.38,"end":1483.54,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.054208554327487946},{"word":"will","start":1483.54,"end":1483.7001,"confidence":0.97314453,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.06542949378490448},{"word":"happen","start":1483.7001,"end":1483.9401,"confidence":0.7717285,"punctuated_word":"happen?","sentiment":"neutral","sentiment_score":-0.01669430546462536},{"word":"yeah","start":1483.9401,"end":1484.1001,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016224509105086327},{"word":"because","start":1484.1001,"end":1484.26,"confidence":0.9921875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.020354002714157104},{"word":"otherwise","start":1484.26,"end":1484.5801,"confidence":0.7224121,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":-0.06868495792150497},{"word":"you're","start":1484.5801,"end":1484.8201,"confidence":0.57714844,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.013593467883765696},{"word":"only","start":1484.8201,"end":1485.06,"confidence":0.73779297,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.06655952334403992},{"word":"gonna","start":1485.06,"end":1485.2201,"confidence":0.31640625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06361431628465652},{"word":"get","start":1485.2201,"end":1485.38,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.028252318501472473},{"word":"500,000","start":1485.38,"end":1486.5349,"confidence":0.9897461,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.0006325207650661469},{"word":"of","start":1486.5349,"end":1486.815,"confidence":0.8461914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027966611087322235},{"word":"it","start":1486.815,"end":1487.0549,"confidence":0.5986328,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02894289791584015},{"word":"won't","start":1487.0549,"end":1487.5549,"confidence":0.68933105,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.018458586186170575},{"word":"be","start":1494.975,"end":1495.225,"confidence":0.8261719,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.00834621675312519},{"word":"okay","start":1495.225,"end":1495.725,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.024613745510578156},{"word":"yes","start":1524.605,"end":1525.105,"confidence":0.8498535,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.010725682601332664},{"word":"just","start":1568.13,"end":1568.37,"confidence":0.5854492,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.010800804942846298},{"word":"go","start":1568.37,"end":1568.53,"confidence":0.97265625,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.016726911067962646},{"word":"to","start":1568.53,"end":1568.69,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017248470336198807},{"word":"the","start":1568.69,"end":1569.01,"confidence":0.8642578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00895095244050026},{"word":"other","start":1569.01,"end":1569.51,"confidence":0.888916,"punctuated_word":"other.","sentiment":"neutral","sentiment_score":0.015116436406970024},{"word":"maybe","start":1570.0249,"end":1570.1849,"confidence":0.89453125,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.02248987928032875},{"word":"i'll","start":1570.1849,"end":1570.345,"confidence":0.99316406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1557973325252533},{"word":"just","start":1570.345,"end":1570.585,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18957264721393585},{"word":"do","start":1570.585,"end":1570.9049,"confidence":0.7368164,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19969692826271057},{"word":"that","start":1570.9049,"end":1571.1449,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2326844781637192},{"word":"especially","start":1571.1449,"end":1571.6449,"confidence":0.5419922,"punctuated_word":"especially,","sentiment":"neutral","sentiment_score":0.20937146246433255},{"word":"yeah","start":1571.865,"end":1572.1849,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.21742738783359528},{"word":"at","start":1572.1849,"end":1572.2649,"confidence":0.9658203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21689638495445251},{"word":"the","start":1572.2649,"end":1572.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19995249807834625},{"word":"moment","start":1572.505,"end":1573.005,"confidence":0.99853516,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.21211908757686615},{"word":"can","start":1573.225,"end":1573.465,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.08692149072885513},{"word":"we","start":1573.465,"end":1573.625,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12151917070150375},{"word":"just","start":1573.625,"end":1573.7849,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09071836620569228},{"word":"do","start":1573.7849,"end":1574.0249,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08641815185546875},{"word":"that","start":1574.0249,"end":1574.1849,"confidence":0.9309082,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.14654919505119324},{"word":"i'll","start":1574.1849,"end":1574.4249,"confidence":0.9626465,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3250730633735657},{"word":"just","start":1574.4249,"end":1574.585,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3529273271560669},{"word":"make","start":1574.585,"end":1574.825,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4008520841598511},{"word":"a","start":1574.825,"end":1574.985,"confidence":0.98291016,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40773579478263855},{"word":"100%","start":1574.985,"end":1575.625,"confidence":0.9980469,"punctuated_word":"100%","sentiment":"positive","sentiment_score":0.45745849609375},{"word":"him","start":1575.625,"end":1576.125,"confidence":0.9812012,"punctuated_word":"him.","sentiment":"positive","sentiment_score":0.4595867991447449},{"word":"thank","start":1576.2649,"end":1576.505,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7667277455329895},{"word":"you","start":1576.505,"end":1577.005,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.648017406463623},{"word":"mhmm","start":1582.345,"end":1582.845,"confidence":0.9156494,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.035647112876176834},{"word":"yes","start":1596.3,"end":1596.8,"confidence":0.99658203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06482855975627899},{"word":"yep","start":1630.4851,"end":1630.9851,"confidence":0.9663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.033957626670598984},{"word":"okay","start":1633.045,"end":1633.525,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06375548243522644},{"word":"yep","start":1633.525,"end":1633.925,"confidence":0.7578125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08002704381942749},{"word":"got","start":1633.925,"end":1634.165,"confidence":0.9951172,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.1700981706380844},{"word":"it","start":1634.165,"end":1634.665,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14672130346298218},{"word":"yep","start":1640.5701,"end":1640.89,"confidence":0.9838867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13872723281383514},{"word":"they're","start":1640.89,"end":1641.14,"confidence":0.986084,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.18630364537239075},{"word":"open","start":1641.14,"end":1641.64,"confidence":0.99560547,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":0.2638273239135742},{"word":"that's","start":1656.695,"end":1657.015,"confidence":0.9448242,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06012120842933655},{"word":"okay","start":1657.015,"end":1657.4149,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.03090847283601761},{"word":"i","start":1657.4149,"end":1657.6549,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23216935992240903},{"word":"apologize","start":1657.6549,"end":1658.1549,"confidence":0.99902344,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.3283556401729584},{"word":"for","start":1658.2949,"end":1658.5349,"confidence":0.9086914,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.3133394718170166},{"word":"moving","start":1658.5349,"end":1658.845,"confidence":0.96777344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.26548290252685547},{"word":"it","start":1658.845,"end":1659.095,"confidence":0.8730469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2219015508890152},{"word":"so","start":1659.095,"end":1659.595,"confidence":0.8588867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01669257879257202},{"word":"much","start":1659.975,"end":1660.475,"confidence":0.9970703,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.01736072450876236},{"word":"thank","start":1667.2101,"end":1667.53,"confidence":0.9453125,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.344895601272583},{"word":"you","start":1667.53,"end":1668.03,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.31511828303337097},{"word":"mhmm","start":1680.7051,"end":1681.2051,"confidence":0.97180176,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.015524312853813171},{"word":"yeah","start":1710.7849,"end":1711.1849,"confidence":0.80810547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.32741042971611023},{"word":"that's","start":1711.1849,"end":1711.505,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.6651051640510559},{"word":"not","start":1711.505,"end":1711.6649,"confidence":0.9951172,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.8318074345588684},{"word":"worth","start":1711.6649,"end":1711.9049,"confidence":0.9589844,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.7969624400138855},{"word":"i'd","start":1711.985,"end":1712.1449,"confidence":1.0,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.8251010775566101},{"word":"rather","start":1712.1449,"end":1712.465,"confidence":1.0,"punctuated_word":"rather","sentiment":"negative","sentiment_score":-0.8595817685127258},{"word":"get","start":1712.465,"end":1712.625,"confidence":0.99902344,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.8417819142341614},{"word":"rid","start":1712.625,"end":1712.865,"confidence":1.0,"punctuated_word":"rid","sentiment":"negative","sentiment_score":-0.8018760085105896},{"word":"of","start":1712.865,"end":1713.0249,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.7953764796257019},{"word":"that","start":1713.0249,"end":1713.345,"confidence":0.99121094,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.7284747362136841},{"word":"that's","start":1713.345,"end":1713.585,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.6924067735671997},{"word":"not","start":1713.585,"end":1713.825,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.7330044507980347},{"word":"worth","start":1713.825,"end":1714.1449,"confidence":1.0,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.6614254713058472},{"word":"the","start":1714.1449,"end":1714.385,"confidence":0.62109375,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6528172492980957},{"word":"300","start":1714.385,"end":1714.945,"confidence":0.9975586,"punctuated_word":"300","sentiment":"negative","sentiment_score":-0.6393018364906311},{"word":"and","start":1714.945,"end":1715.445,"confidence":0.9560547,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.6775273084640503},{"word":"$3,800","start":1716.705,"end":1718.225,"confidence":0.98657227,"punctuated_word":"$3,800","sentiment":"negative","sentiment_score":-0.6341186761856079},{"word":"a","start":1718.225,"end":1718.385,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5222022533416748},{"word":"month","start":1718.385,"end":1718.7849,"confidence":1.0,"punctuated_word":"month","sentiment":"negative","sentiment_score":-0.4835578203201294},{"word":"and","start":1718.7849,"end":1719.2849,"confidence":0.42211914,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5153259038925171},{"word":"for","start":1719.33,"end":1719.57,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.612414538860321},{"word":"what","start":1719.57,"end":1719.8099,"confidence":1.0,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.5653334259986877},{"word":"i'm","start":1719.8099,"end":1720.0499,"confidence":1.0,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.5805729627609253},{"word":"paying","start":1720.0499,"end":1720.5299,"confidence":1.0,"punctuated_word":"paying","sentiment":"negative","sentiment_score":-0.551864504814148},{"word":"what","start":1720.7699,"end":1721.01,"confidence":1.0,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.6145305633544922},{"word":"we're","start":1721.01,"end":1721.25,"confidence":1.0,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.562985897064209},{"word":"paying","start":1721.25,"end":1721.6499,"confidence":1.0,"punctuated_word":"paying","sentiment":"negative","sentiment_score":-0.5216549634933472},{"word":"now","start":1721.6499,"end":1722.1499,"confidence":0.9797363,"punctuated_word":"now,","sentiment":"negative","sentiment_score":-0.5330467224121094},{"word":"i'd","start":1722.2899,"end":1722.5299,"confidence":1.0,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.6511931419372559},{"word":"rather","start":1722.5299,"end":1722.9299,"confidence":1.0,"punctuated_word":"rather","sentiment":"negative","sentiment_score":-0.6624770760536194},{"word":"either","start":1722.9299,"end":1723.25,"confidence":0.8491211,"punctuated_word":"either","sentiment":"negative","sentiment_score":-0.5709792971611023},{"word":"not","start":1723.25,"end":1723.49,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4956553876399994},{"word":"have","start":1723.49,"end":1723.6499,"confidence":0.9970703,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.6207582354545593},{"word":"it","start":1723.6499,"end":1723.89,"confidence":0.9472656,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5371388792991638},{"word":"or","start":1723.89,"end":1724.13,"confidence":0.9819336,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.4939856827259064},{"word":"move","start":1724.13,"end":1724.37,"confidence":0.9970703,"punctuated_word":"move","sentiment":"negative","sentiment_score":-0.5203835368156433},{"word":"that","start":1724.37,"end":1724.61,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.477814257144928},{"word":"up","start":1724.61,"end":1725.01,"confidence":0.9970703,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.397371768951416},{"word":"if","start":1725.01,"end":1725.25,"confidence":0.8286133,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5255663394927979},{"word":"that's","start":1725.25,"end":1725.49,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.44139885902404785},{"word":"okay","start":1772.405,"end":1772.905,"confidence":0.95825195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.038841452449560165},{"word":"okay","start":1787.56,"end":1788.06,"confidence":0.98950195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.06054700165987015},{"word":"okay","start":1803.4199,"end":1803.9199,"confidence":0.9543457,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.032077856361866},{"word":"yeah","start":1811.1799,"end":1811.6799,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018274130299687386},{"word":"okay","start":1811.82,"end":1812.2999,"confidence":0.98583984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06287721544504166},{"word":"fair","start":1812.2999,"end":1812.5399,"confidence":1.0,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":0.09920138120651244},{"word":"enough","start":1812.5399,"end":1812.94,"confidence":0.99853516,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.1076999008655548},{"word":"that","start":1812.94,"end":1813.1799,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1476999968290329},{"word":"makes","start":1813.1799,"end":1813.4199,"confidence":0.9604492,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.12521561980247498},{"word":"sense","start":1813.4199,"end":1813.9199,"confidence":0.9970703,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.07403797656297684},{"word":"that","start":1815.4199,"end":1815.6599,"confidence":0.8769531,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.04757572337985039},{"word":"makes","start":1815.6599,"end":1815.98,"confidence":0.9472656,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.07162195444107056},{"word":"sense","start":1815.98,"end":1816.48,"confidence":0.9448242,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.0577179454267025},{"word":"just","start":1838.88,"end":1839.2001,"confidence":0.42993164,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.02308611571788788},{"word":"leave","start":1839.2001,"end":1839.4401,"confidence":0.99609375,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.007220610976219177},{"word":"it","start":1839.4401,"end":1839.68,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01859220862388611},{"word":"as","start":1839.68,"end":1840.16,"confidence":0.97802734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05477896332740784},{"word":"as","start":1840.16,"end":1840.4801,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0534994900226593},{"word":"is","start":1840.4801,"end":1840.9801,"confidence":0.94506836,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.02375328540802002},{"word":"that's","start":1841.28,"end":1841.68,"confidence":0.8820801,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07639575749635696},{"word":"okay","start":1841.68,"end":1842.18,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1007377952337265},{"word":"thank","start":1843.04,"end":1843.36,"confidence":0.94921875,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.43173688650131226},{"word":"you","start":1843.36,"end":1843.76,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4195055365562439},{"word":"i'm","start":1843.76,"end":1843.92,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16663622856140137},{"word":"not","start":1843.92,"end":1844.16,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18183252215385437},{"word":"going","start":1844.16,"end":1844.4,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.24216881394386292},{"word":"through","start":1844.4,"end":1844.64,"confidence":0.99902344,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.3453284502029419},{"word":"all","start":1844.64,"end":1844.8,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.3112126588821411},{"word":"that","start":1844.8,"end":1845.04,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.31405943632125854},{"word":"again","start":1845.04,"end":1845.52,"confidence":0.9838867,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.27397212386131287},{"word":"it's","start":1845.52,"end":1845.68,"confidence":0.779541,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3794020116329193},{"word":"always","start":1845.68,"end":1846.18,"confidence":0.89990234,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.1962304562330246},{"word":"it's","start":1846.715,"end":1846.875,"confidence":0.9628906,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3679035305976868},{"word":"always","start":1846.875,"end":1847.115,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.2186063975095749},{"word":"a","start":1847.115,"end":1847.355,"confidence":0.9921875,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4120823442935944},{"word":"pain","start":1847.355,"end":1847.675,"confidence":0.97924805,"punctuated_word":"pain,","sentiment":"negative","sentiment_score":-0.3469676673412323},{"word":"isn't","start":1847.675,"end":1848.155,"confidence":0.99902344,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.10960086435079576},{"word":"it","start":1848.155,"end":1848.3151,"confidence":0.97143555,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.1716175377368927},{"word":"to","start":1848.3151,"end":1848.475,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24008136987686157},{"word":"go","start":1848.475,"end":1848.635,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.27285292744636536},{"word":"through","start":1848.635,"end":1848.955,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.21914395689964297},{"word":"everything","start":1848.955,"end":1849.455,"confidence":0.9785156,"punctuated_word":"everything?","sentiment":"neutral","sentiment_score":-0.14627832174301147},{"word":"yep","start":1854.3151,"end":1854.8151,"confidence":0.9472656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06748711317777634},{"word":"thank","start":1864.0,"end":1864.5,"confidence":0.7114258,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6368770003318787},{"word":"you","start":1864.9601,"end":1865.4601,"confidence":0.99072266,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4982324242591858},{"word":"yep","start":1884.7849,"end":1885.105,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1285821497440338},{"word":"that's","start":1885.105,"end":1885.4249,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1954929083585739},{"word":"okay","start":1885.4249,"end":1885.825,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.26202091574668884},{"word":"we'll","start":1885.825,"end":1886.065,"confidence":1.0,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.3999960422515869},{"word":"keep","start":1886.065,"end":1886.385,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3610677719116211},{"word":"that","start":1886.385,"end":1886.5449,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32356199622154236},{"word":"one","start":1886.5449,"end":1887.0449,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.32889679074287415},{"word":"what's","start":1889.0299,"end":1889.35,"confidence":0.9885254,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.10083504021167757},{"word":"the","start":1889.35,"end":1889.4299,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022527704015374184},{"word":"last","start":1889.4299,"end":1889.9099,"confidence":0.984375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.04300303757190704},{"word":"buyback","start":1889.9099,"end":1890.4099,"confidence":0.9667969,"punctuated_word":"buyback?","sentiment":"neutral","sentiment_score":-0.032768674194812775},{"word":"sorry","start":1890.63,"end":1890.95,"confidence":0.99853516,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09423726797103882},{"word":"what's","start":1890.95,"end":1891.35,"confidence":0.99902344,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.0786396935582161},{"word":"last","start":1891.35,"end":1891.6699,"confidence":0.82714844,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.08529188483953476},{"word":"buyback","start":1891.6699,"end":1892.1699,"confidence":0.99869794,"punctuated_word":"buyback?","sentiment":"neutral","sentiment_score":-0.06493020057678223},{"word":"okay","start":1913.5249,"end":1914.0249,"confidence":0.9538574,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.14180806279182434},{"word":"yeah","start":1916.0399,"end":1916.5399,"confidence":0.9328613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.032202109694480896},{"word":"yeah","start":1935.205,"end":1935.705,"confidence":0.94970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04431368410587311},{"word":"okay","start":1944.885,"end":1945.385,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0887099876999855},{"word":"okay","start":1947.77,"end":1948.1699,"confidence":0.9172363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1299268752336502},{"word":"thank","start":1948.1699,"end":1948.33,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3898954093456268},{"word":"you","start":1948.33,"end":1948.65,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3772581219673157},{"word":"very","start":1948.65,"end":1948.89,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.3645896911621094},{"word":"much","start":1948.89,"end":1949.39,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.4014658927917481},{"word":"yep","start":1967.105,"end":1967.605,"confidence":0.9567871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.11375030130147934},{"word":"uh-huh","start":1969.985,"end":1970.485,"confidence":0.9994141,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.08715106546878815},{"word":"such","start":1987.34,"end":1987.66,"confidence":0.5473633,"punctuated_word":"Such","sentiment":"neutral","sentiment_score":-0.10737022012472151},{"word":"a","start":1987.66,"end":1987.74,"confidence":0.72216797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.056561216711997986},{"word":"way","start":1987.74,"end":1988.06,"confidence":0.76416016,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.05282667279243469},{"word":"and","start":1988.06,"end":1988.22,"confidence":0.6074219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05219061300158501},{"word":"changes","start":1988.22,"end":1988.72,"confidence":0.9370117,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.04396669566631317},{"word":"yeah","start":1988.86,"end":1989.1,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0028134752064943314},{"word":"yeah","start":1989.1,"end":1989.435,"confidence":0.9616699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0036170482635498047},{"word":"okay","start":2015.36,"end":2015.86,"confidence":0.9790039,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07379770278930664},{"word":"mhmm","start":2065.66,"end":2065.9,"confidence":0.9659424,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0038424022495746617},{"word":"i'd","start":2065.9,"end":2066.14,"confidence":0.6958008,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.009550767950713634},{"word":"i'll","start":2066.2998,"end":2066.6199,"confidence":0.89404297,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.012207484804093838},{"word":"take","start":2066.6199,"end":2066.8599,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0174325630068779},{"word":"whatever","start":2066.8599,"end":2067.3599,"confidence":0.97875977,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":-0.002928784117102623},{"word":"i","start":2067.5798,"end":2067.66,"confidence":0.91503906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013806816190481186},{"word":"mean","start":2067.66,"end":2067.9,"confidence":0.9819336,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.009827552363276482},{"word":"you","start":2067.9,"end":2068.0598,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001138448715209961},{"word":"guys","start":2068.0598,"end":2068.22,"confidence":0.99121094,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.022982344031333923},{"word":"are","start":2068.22,"end":2068.2998,"confidence":0.9165039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.025066331028938293},{"word":"the","start":2068.2998,"end":2068.5398,"confidence":0.9370117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014857567846775057},{"word":"experts","start":2068.5398,"end":2069.02,"confidence":0.8413086,"punctuated_word":"experts.","sentiment":"neutral","sentiment_score":-0.030384249985218048},{"word":"i've","start":2069.02,"end":2069.18,"confidence":0.98291016,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0963854193687439},{"word":"got","start":2069.18,"end":2069.42,"confidence":0.94384766,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07901294529438019},{"word":"no","start":2069.42,"end":2069.92,"confidence":0.80566406,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.11006595194339752},{"word":"no","start":2069.98,"end":2070.0598,"confidence":0.8774414,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.130992591381073},{"word":"idea","start":2070.0598,"end":2070.5398,"confidence":0.7746582,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":-0.12827886641025543},{"word":"so","start":2070.5398,"end":2071.0398,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04173163324594498},{"word":"whatever","start":2071.8198,"end":2072.3198,"confidence":0.8652344,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":-0.021305058151483536},{"word":"yep","start":2100.99,"end":2101.49,"confidence":0.7310791,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10714748501777648},{"word":"yep","start":2140.845,"end":2141.345,"confidence":0.95336914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01558838039636612},{"word":"okay","start":2147.165,"end":2147.665,"confidence":0.97314453,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07183069735765457},{"word":"yeah","start":2154.01,"end":2154.33,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09981654584407806},{"word":"of","start":2154.33,"end":2154.57,"confidence":0.9980469,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.1243911236524582},{"word":"course","start":2154.57,"end":2155.07,"confidence":0.99902344,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.15048973262310028},{"word":"that's","start":2156.17,"end":2156.57,"confidence":0.9328613,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24361103773117063},{"word":"fine","start":2156.57,"end":2156.97,"confidence":0.99365234,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.26155421137809753},{"word":"thank","start":2156.97,"end":2157.29,"confidence":0.9248047,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5130307078361511},{"word":"you","start":2157.29,"end":2157.79,"confidence":0.9506836,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.53505939245224},{"word":"we","start":2177.54,"end":2177.86,"confidence":0.2590332,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.16878454387187958},{"word":"won't","start":2177.86,"end":2178.18,"confidence":0.6833496,"punctuated_word":"won't.","sentiment":"neutral","sentiment_score":-0.13785070180892944},{"word":"yes","start":2178.18,"end":2178.68,"confidence":0.7807617,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.021891925483942032},{"word":"with","start":2179.54,"end":2179.86,"confidence":0.44921875,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.045976027846336365},{"word":"the","start":2179.86,"end":2180.02,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03560458868741989},{"word":"the","start":2180.02,"end":2180.18,"confidence":0.82177734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028098735958337784},{"word":"whole","start":2180.18,"end":2180.66,"confidence":0.9941406,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.04697011783719063},{"word":"the","start":2180.66,"end":2180.98,"confidence":0.8496094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05150410905480385},{"word":"whole","start":2180.98,"end":2181.3,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.06083917617797851},{"word":"world","start":2181.3,"end":2181.7,"confidence":0.94262695,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":-0.07200931012630463},{"word":"isn't","start":2181.7,"end":2182.02,"confidence":0.9980469,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.05864500254392624},{"word":"it","start":2182.02,"end":2182.18,"confidence":0.9885254,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.07406124472618103},{"word":"there's","start":2182.18,"end":2182.42,"confidence":0.982666,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.1002848669886589},{"word":"just","start":2182.42,"end":2182.74,"confidence":0.95703125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10497033596038818},{"word":"things","start":2182.74,"end":2183.06,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.101859413087368},{"word":"going","start":2183.06,"end":2183.3,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.122215174138546},{"word":"on","start":2183.3,"end":2183.54,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09357571601867676},{"word":"in","start":2183.54,"end":2183.7,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1281387209892273},{"word":"your","start":2183.7,"end":2183.86,"confidence":0.68066406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12226130813360214},{"word":"world","start":2183.86,"end":2184.1,"confidence":0.9980469,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.12592115998268127},{"word":"at","start":2184.1,"end":2184.26,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15494245290756226},{"word":"the","start":2184.26,"end":2184.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18555304408073425},{"word":"moment","start":2184.34,"end":2184.82,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.1435446739196777},{"word":"with","start":2184.82,"end":2185.06,"confidence":0.984375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11279015243053436},{"word":"everything","start":2185.06,"end":2185.56,"confidence":0.99560547,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.12044662237167358},{"word":"excellent","start":2199.7148,"end":2200.1948,"confidence":0.70410156,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3840572237968445},{"word":"yes","start":2200.1948,"end":2200.53,"confidence":0.93530273,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.31861788034439087},{"word":"that","start":2200.61,"end":2200.77,"confidence":0.9951172,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4593324065208435},{"word":"would","start":2200.77,"end":2200.93,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5104665756225586},{"word":"be","start":2200.93,"end":2201.43,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4994485378265381},{"word":"great","start":2201.73,"end":2202.1301,"confidence":0.8496094,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5448316335678101},{"word":"that's","start":2202.1301,"end":2202.45,"confidence":0.9797363,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4504610002040863},{"word":"fine","start":2202.45,"end":2202.77,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.42027491331100464},{"word":"thank","start":2202.77,"end":2203.01,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6498348116874695},{"word":"you","start":2203.01,"end":2203.25,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6327205300331116},{"word":"very","start":2203.25,"end":2203.49,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6158439517021179},{"word":"much","start":2203.49,"end":2203.99,"confidence":0.99902344,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.5776342153549194},{"word":"mhmm","start":2237.8599,"end":2238.3599,"confidence":0.9482422,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.011360833421349524},{"word":"yep","start":2269.17,"end":2269.67,"confidence":0.8666992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03481241688132286},{"word":"uh-huh","start":2284.195,"end":2284.695,"confidence":0.88901365,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.006912399083375931},{"word":"yeah","start":2296.54,"end":2297.04,"confidence":0.82128906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07238172739744186},{"word":"i'm","start":2326.46,"end":2326.7,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2419356107711792},{"word":"bad","start":2326.7,"end":2326.94,"confidence":0.97802734,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.293817400932312},{"word":"all","start":2326.94,"end":2327.0999,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.19048568606376648},{"word":"the","start":2327.0999,"end":2327.26,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1846292614936829},{"word":"time","start":2327.26,"end":2327.5798,"confidence":0.9494629,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.15906693041324615},{"word":"so","start":2327.5798,"end":2327.74,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10365186631679536},{"word":"don't","start":2327.74,"end":2327.98,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07975495606660843},{"word":"worry","start":2327.98,"end":2328.48,"confidence":1.0,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":-0.034591879695653915},{"word":"no","start":2368.365,"end":2368.865,"confidence":0.77246094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2350804507732391},{"word":"i've","start":2369.0051,"end":2369.245,"confidence":0.720459,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2608090043067932},{"word":"like","start":2369.645,"end":2369.885,"confidence":0.9472656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.32919424772262573},{"word":"i","start":2369.885,"end":2369.965,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.29679858684539795},{"word":"said","start":2369.965,"end":2370.365,"confidence":0.9951172,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.2485406994819641},{"word":"my","start":2370.365,"end":2370.605,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.32089126110076904},{"word":"my","start":2370.605,"end":2370.845,"confidence":0.9941406,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.39310985803604126},{"word":"worries","start":2370.845,"end":2371.325,"confidence":0.8535156,"punctuated_word":"worries","sentiment":"negative","sentiment_score":-0.41730478405952454},{"word":"are","start":2371.325,"end":2371.645,"confidence":0.9248047,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.40434765815734863},{"word":"more","start":2371.645,"end":2371.885,"confidence":0.98095703,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.5181699991226196},{"word":"things","start":2371.885,"end":2372.365,"confidence":0.99609375,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.428326815366745},{"word":"direct","start":2372.365,"end":2372.7651,"confidence":0.9589844,"punctuated_word":"direct","sentiment":"negative","sentiment_score":-0.4864720106124878},{"word":"that","start":2372.7651,"end":2372.925,"confidence":0.9941406,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.34412863850593567},{"word":"i","start":2372.925,"end":2373.085,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4172085523605346},{"word":"can","start":2373.085,"end":2373.245,"confidence":1.0,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.44078946113586426},{"word":"control","start":2373.245,"end":2373.69,"confidence":0.99902344,"punctuated_word":"control","sentiment":"negative","sentiment_score":-0.45417070388793945},{"word":"and","start":2373.8499,"end":2374.0898,"confidence":0.9970703,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.34716081619262695},{"word":"stuff","start":2374.0898,"end":2374.5898,"confidence":0.99316406,"punctuated_word":"stuff","sentiment":"negative","sentiment_score":-0.3574981689453125},{"word":"with","start":2374.97,"end":2375.21,"confidence":0.984375,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.3596999943256378},{"word":"at","start":2375.21,"end":2375.45,"confidence":0.4255371,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.35721555352211},{"word":"home","start":2375.45,"end":2375.93,"confidence":0.5855713,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.2726227641105652},{"word":"this","start":2375.93,"end":2376.25,"confidence":0.484375,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.23708347976207733},{"word":"stuff","start":2376.25,"end":2376.75,"confidence":0.6842041,"punctuated_word":"stuff,","sentiment":"neutral","sentiment_score":-0.18383893370628357},{"word":"no","start":2376.89,"end":2377.13,"confidence":0.70214844,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.21116948127746585},{"word":"it's","start":2377.13,"end":2377.29,"confidence":0.99194336,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09244992583990096},{"word":"fine","start":2377.29,"end":2377.79,"confidence":0.98657227,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.05233274772763252},{"word":"yep","start":2389.005,"end":2389.505,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14261679351329803},{"word":"mhmm","start":2404.3801,"end":2404.8801,"confidence":0.90319824,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0771094486117363},{"word":"yep","start":2410.86,"end":2411.36,"confidence":0.73986816,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07452286779880524},{"word":"mhmm","start":2445.6348,"end":2446.1348,"confidence":0.9293213,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.011608265340328217},{"word":"yeah","start":2495.865,"end":2496.365,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09091855585575104},{"word":"okay","start":2522.9348,"end":2523.4348,"confidence":0.9885254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07883257418870926},{"word":"okay","start":2560.9849,"end":2561.4849,"confidence":0.89331055,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14161807298660278},{"word":"thank","start":2564.43,"end":2564.67,"confidence":0.60253906,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.42916375398635864},{"word":"you","start":2564.67,"end":2565.17,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3945276439189911},{"word":"no","start":2569.07,"end":2569.57,"confidence":0.9680176,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04080943763256073},{"word":"no","start":2569.79,"end":2570.19,"confidence":0.69262695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.029774684458971024},{"word":"that","start":2570.19,"end":2570.43,"confidence":0.9921875,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.0032963380217552185},{"word":"was","start":2570.43,"end":2570.67,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04632830619812012},{"word":"all","start":2570.67,"end":2570.99,"confidence":0.98095703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1185525432229042},{"word":"fine","start":2570.99,"end":2571.49,"confidence":0.9812012,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.12801162898540497},{"word":"thank","start":2571.55,"end":2571.8699,"confidence":0.9941406,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.29927098751068115},{"word":"you","start":2571.8699,"end":2572.1099,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3140024244785309},{"word":"i","start":2572.1099,"end":2572.3499,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21850267052650452},{"word":"signed","start":2572.3499,"end":2572.75,"confidence":0.6308594,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.22871971130371097},{"word":"it","start":2572.75,"end":2573.25,"confidence":0.9926758,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.24547454714775083},{"word":"mhmm","start":2586.305,"end":2586.4648,"confidence":0.9515381,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0057862140238285065},{"word":"no","start":2586.4648,"end":2586.7048,"confidence":0.7548828,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02841109409928322},{"word":"i've","start":2586.7048,"end":2586.865,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.010678119026124476},{"word":"got","start":2586.865,"end":2587.105,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.022607307881116867},{"word":"access","start":2587.105,"end":2587.4248,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.031370680779218674},{"word":"to","start":2587.4248,"end":2587.585,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021013662219047543},{"word":"a","start":2587.585,"end":2587.7449,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011006610468029976},{"word":"printer","start":2587.7449,"end":2588.1448,"confidence":0.99316406,"punctuated_word":"printer.","sentiment":"neutral","sentiment_score":-0.03132602944970131},{"word":"that's","start":2588.1448,"end":2588.4648,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.050734054297208786},{"word":"fine","start":2588.4648,"end":2588.9648,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.06339425593614578},{"word":"yes","start":2606.9548,"end":2607.355,"confidence":0.9477539,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.112691268324852},{"word":"for","start":2607.355,"end":2607.595,"confidence":0.99316406,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.10380321741104126},{"word":"the","start":2607.595,"end":2607.755,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1107606291770935},{"word":"time","start":2607.755,"end":2608.075,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1240915060043335},{"word":"being","start":2608.075,"end":2608.3948,"confidence":0.89501953,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.12621116638183594},{"word":"that's","start":2608.3948,"end":2608.795,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18959781527519223},{"word":"fine","start":2608.795,"end":2609.295,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1713043451309204},{"word":"okay","start":2688.6099,"end":2688.93,"confidence":0.9914551,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03693190589547157},{"word":"i","start":2688.93,"end":2689.0898,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010351845994591711},{"word":"think","start":2689.0898,"end":2689.3298,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.002406131476163864},{"word":"it","start":2689.3298,"end":2689.41,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006350470706820488},{"word":"was","start":2689.41,"end":2689.65,"confidence":0.98535156,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0002093203365802765},{"word":"more","start":2689.65,"end":2689.73,"confidence":0.48120117,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.004983501508831978},{"word":"we","start":2689.89,"end":2689.97,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.001642635092139244},{"word":"were","start":2689.97,"end":2690.21,"confidence":0.9941406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.00533016212284565},{"word":"looking","start":2690.21,"end":2690.53,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.012355891987681389},{"word":"at","start":2690.53,"end":2690.8499,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004653897136449814},{"word":"a","start":2690.8499,"end":2691.0898,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01859155483543873},{"word":"property","start":2691.0898,"end":2691.5898,"confidence":0.8395996,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.013000478968024254},{"word":"more","start":2693.795,"end":2694.275,"confidence":0.9770508,"punctuated_word":"More","sentiment":"neutral","sentiment_score":0.014260592870414255},{"word":"property","start":2694.275,"end":2694.775,"confidence":0.6677246,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.021328093484044075},{"word":"yeah","start":2696.355,"end":2696.6748,"confidence":0.70788574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04159998893737793},{"word":"buying","start":2696.6748,"end":2696.9949,"confidence":0.9980469,"punctuated_word":"Buying","sentiment":"neutral","sentiment_score":0.051886990666389465},{"word":"a","start":2696.9949,"end":2697.1548,"confidence":0.83447266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07067902386188507},{"word":"property","start":2697.1548,"end":2697.4749,"confidence":0.98828125,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.08024442195892334},{"word":"when","start":2697.4749,"end":2697.7148,"confidence":0.86328125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05370068550109863},{"word":"we're","start":2697.7148,"end":2697.9548,"confidence":0.96972656,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06136475130915642},{"word":"looking","start":2697.9548,"end":2698.275,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06663393974304199},{"word":"at","start":2698.275,"end":2698.4348,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07202222943305969},{"word":"all","start":2698.4348,"end":2698.6748,"confidence":0.95947266,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07685288786888123},{"word":"of","start":2698.6748,"end":2698.835,"confidence":0.9394531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06385782361030579},{"word":"that","start":2698.835,"end":2699.335,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.049767717719078064},{"word":"yeah","start":2726.085,"end":2726.565,"confidence":0.9628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01320101134479046},{"word":"not","start":2726.565,"end":2726.805,"confidence":0.80322266,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.04047109931707382},{"word":"at","start":2726.805,"end":2726.9648,"confidence":0.94921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.042069531977176666},{"word":"the","start":2726.9648,"end":2727.125,"confidence":0.88964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034339215606451035},{"word":"moment","start":2727.125,"end":2727.625,"confidence":0.9267578,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.08606752753257751},{"word":"hey","start":2727.845,"end":2728.085,"confidence":0.7553711,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":-0.05941007286310196},{"word":"there's","start":2728.085,"end":2728.325,"confidence":0.9916992,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.06699815392494202},{"word":"too","start":2728.325,"end":2728.565,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.08568450808525085},{"word":"much","start":2728.565,"end":2728.805,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.10863038152456284},{"word":"going","start":2728.805,"end":2729.125,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1385008990764618},{"word":"on","start":2729.125,"end":2729.365,"confidence":0.9975586,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.13075317442417145},{"word":"i","start":2729.365,"end":2729.4448,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12564411759376526},{"word":"just","start":2729.4448,"end":2729.6848,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08976594358682632},{"word":"wanna","start":2729.6848,"end":2730.085,"confidence":0.98095703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.07047884166240692},{"word":"leave","start":2730.085,"end":2730.585,"confidence":0.6829834,"punctuated_word":"leave.","sentiment":"neutral","sentiment_score":-0.06320634484291077},{"word":"yeah","start":2730.645,"end":2731.145,"confidence":0.7849121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08430953323841095},{"word":"i","start":2731.285,"end":2731.365,"confidence":0.8540039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14824625849723816},{"word":"don't","start":2731.365,"end":2731.605,"confidence":0.9926758,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11238300800323486},{"word":"have","start":2731.605,"end":2731.845,"confidence":0.96240234,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10010139644145966},{"word":"to","start":2731.845,"end":2732.005,"confidence":0.7890625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1656033992767334},{"word":"explain","start":2732.005,"end":2732.4849,"confidence":0.20739746,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":-0.11595918983221054},{"word":"for","start":2732.4849,"end":2732.805,"confidence":0.28564453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1210767701268196},{"word":"it","start":2732.805,"end":2732.885,"confidence":0.54797363,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.13865838944911957},{"word":"though","start":2732.885,"end":2733.385,"confidence":0.9980469,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":-0.14814680814743042},{"word":"thank","start":2733.4448,"end":2733.6848,"confidence":0.74902344,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.09363938868045808},{"word":"you","start":2733.6848,"end":2734.1848,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10730662941932678},{"word":"yes","start":2753.025,"end":2753.525,"confidence":0.98535156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0542941614985466},{"word":"two","start":2755.025,"end":2755.345,"confidence":0.87060547,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.03913744539022446},{"word":"weeks","start":2755.345,"end":2755.845,"confidence":0.87890625,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.03850729018449783},{"word":"one","start":2756.145,"end":2756.645,"confidence":0.9343262,"punctuated_word":"One,","sentiment":"neutral","sentiment_score":0.032797981053590775},{"word":"two","start":2757.265,"end":2757.765,"confidence":0.6843262,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.04251450300216675},{"word":"eight","start":2758.7048,"end":2759.2048,"confidence":0.50061035,"punctuated_word":"eight.","sentiment":"neutral","sentiment_score":0.04073108360171318},{"word":"i","start":2760.145,"end":2760.305,"confidence":0.5214844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05578786879777908},{"word":"hope","start":2760.305,"end":2760.545,"confidence":0.65625,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.04971228912472725},{"word":"it","start":2760.545,"end":2760.7048,"confidence":0.7841797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04891040176153183},{"word":"takes","start":2760.7048,"end":2761.185,"confidence":0.37841797,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.0535162016749382},{"word":"october","start":2761.265,"end":2761.705,"confidence":0.90152997,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.05401333048939705},{"word":"8","start":2761.705,"end":2762.145,"confidence":0.90152997,"punctuated_word":"8.","sentiment":"neutral","sentiment_score":0.056609153747558594},{"word":"is","start":2762.145,"end":2762.305,"confidence":0.98535156,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05156249552965164},{"word":"that","start":2762.305,"end":2762.545,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06693439185619354},{"word":"correct","start":2762.545,"end":2763.045,"confidence":0.9970703,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.055482011288404465},{"word":"correct","start":2764.2249,"end":2764.7249,"confidence":0.66833496,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.06663435697555542},{"word":"i've","start":2771.1,"end":2771.34,"confidence":0.986084,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04068249464035034},{"word":"got","start":2771.34,"end":2771.6602,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06292346864938736},{"word":"lots","start":2771.6602,"end":2771.9001,"confidence":0.99316406,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.04964285343885422},{"word":"of","start":2771.9001,"end":2772.1401,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05259837210178375},{"word":"dogs","start":2772.1401,"end":2772.6401,"confidence":0.9313965,"punctuated_word":"dogs.","sentiment":"neutral","sentiment_score":0.029648300260305405},{"word":"the","start":2784.395,"end":2784.635,"confidence":0.48706055,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.011577600613236427},{"word":"next","start":2784.635,"end":2785.0352,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.005310826003551483},{"word":"the","start":2785.0352,"end":2785.2751,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009874418377876282},{"word":"next","start":2785.2751,"end":2785.5151,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.002988941967487335},{"word":"week","start":2785.5151,"end":2785.7551,"confidence":0.99902344,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.0021364279091358185},{"word":"would","start":2785.7551,"end":2785.995,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.005002051591873169},{"word":"probably","start":2785.995,"end":2786.3152,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0002017766237258911},{"word":"be","start":2786.3152,"end":2786.5552,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00463736429810524},{"word":"better","start":2786.5552,"end":2786.875,"confidence":0.9980469,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.00317234918475151},{"word":"if","start":2786.875,"end":2787.1152,"confidence":0.6660156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02670860290527344},{"word":"that's","start":2787.1152,"end":2787.435,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.015366006642580032},{"word":"okay","start":2787.435,"end":2787.935,"confidence":0.77124023,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03596188873052597},{"word":"and","start":2788.715,"end":2788.955,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06742438673973083},{"word":"i","start":2788.955,"end":2789.0352,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10635415464639664},{"word":"can","start":2789.0352,"end":2789.2751,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1078045591711998},{"word":"do","start":2789.2751,"end":2789.7751,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09180106967687608},{"word":"any","start":2789.995,"end":2790.3152,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09584016352891922},{"word":"afternoon","start":2790.3152,"end":2790.8152,"confidence":1.0,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.11296264827251434},{"word":"by","start":2790.875,"end":2791.1152,"confidence":0.99316406,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08994495868682861},{"word":"thursday","start":2791.1152,"end":2791.6152,"confidence":0.9975586,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":0.08584249019622803},{"word":"yeah","start":2798.68,"end":2799.0,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1805495917797089},{"word":"that","start":2799.0,"end":2799.16,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.385473906993866},{"word":"would","start":2799.16,"end":2799.4,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.41696175932884216},{"word":"be","start":2799.4,"end":2799.5598,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3628347516059875},{"word":"great","start":2799.5598,"end":2800.0598,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.377549022436142},{"word":"okay","start":2808.995,"end":2809.495,"confidence":0.98583984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2874254584312439},{"word":"thank","start":2809.635,"end":2809.875,"confidence":0.9873047,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4463931918144226},{"word":"you","start":2809.875,"end":2810.195,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4313982129096985},{"word":"very","start":2810.195,"end":2810.435,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.46079620718955994},{"word":"much","start":2810.435,"end":2810.8352,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.43080568313598633},{"word":"hopefully","start":2810.8352,"end":2811.155,"confidence":0.95825195,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.3076125383377075},{"word":"i'm","start":2811.155,"end":2811.3152,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2740511894226074},{"word":"in","start":2811.3152,"end":2811.475,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23316332697868347},{"word":"better","start":2811.475,"end":2811.7952,"confidence":0.9633789,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.23672036826610565},{"word":"spirits","start":2811.7952,"end":2812.195,"confidence":0.9003906,"punctuated_word":"spirits","sentiment":"positive","sentiment_score":0.33853283524513245},{"word":"then","start":2812.195,"end":2812.435,"confidence":0.96777344,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.2766118049621582},{"word":"i'm","start":2812.435,"end":2812.675,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15845367312431335},{"word":"sorry","start":2812.675,"end":2813.175,"confidence":1.0,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.12121012806892396},{"word":"yes","start":2823.58,"end":2824.08,"confidence":0.7949219,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.10719151794910432},{"word":"i","start":2824.22,"end":2824.3801,"confidence":0.8276367,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27501362562179565},{"word":"know","start":2824.3801,"end":2824.62,"confidence":0.93603516,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.1893940269947052},{"word":"and","start":2824.62,"end":2825.02,"confidence":0.5283203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2982177138328552},{"word":"our","start":2825.02,"end":2825.18,"confidence":0.66259766,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.5371929407119751},{"word":"stupid","start":2825.18,"end":2825.6602,"confidence":0.93603516,"punctuated_word":"stupid","sentiment":"negative","sentiment_score":-0.6572012305259705},{"word":"government","start":2825.6602,"end":2826.1401,"confidence":0.99902344,"punctuated_word":"government","sentiment":"negative","sentiment_score":-0.5531183481216431},{"word":"don't","start":2826.1401,"end":2826.3801,"confidence":0.91430664,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.6060984134674072},{"word":"help","start":2826.3801,"end":2826.7,"confidence":0.9580078,"punctuated_word":"help","sentiment":"negative","sentiment_score":-0.5653467774391174},{"word":"it","start":2826.7,"end":2827.2,"confidence":0.7116699,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.5141469240188599},{"word":"they","start":2827.5,"end":2827.6602,"confidence":0.9003906,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.5565534830093384},{"word":"just","start":2827.6602,"end":2827.9001,"confidence":0.9941406,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4824766516685486},{"word":"make","start":2827.9001,"end":2828.06,"confidence":0.984375,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.5496274828910828},{"word":"things","start":2828.06,"end":2828.3801,"confidence":0.99609375,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.4822537899017334},{"word":"worse","start":2828.3801,"end":2828.8801,"confidence":0.6669922,"punctuated_word":"worse.","sentiment":"negative","sentiment_score":-0.47599637508392334},{"word":"anyway","start":2829.74,"end":2830.24,"confidence":0.9428711,"punctuated_word":"Anyway","sentiment":"neutral","sentiment_score":-0.14295795559883118},{"word":"okay","start":2831.6602,"end":2832.1401,"confidence":0.91918945,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.048744454979896545},{"word":"well","start":2832.1401,"end":2832.3,"confidence":0.95874023,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.09245173633098602},{"word":"it","start":2832.3,"end":2832.46,"confidence":0.81347656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14289429783821106},{"word":"was","start":2832.46,"end":2832.825,"confidence":0.9223633,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1297912299633026},{"word":"that's","start":2834.665,"end":2835.065,"confidence":0.8269043,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0692826509475708},{"word":"that's","start":2835.065,"end":2835.145,"confidence":0.7783203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.01428385078907013},{"word":"okay","start":2835.145,"end":2835.645,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04443462938070297},{"word":"thank","start":2835.945,"end":2836.265,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7059516906738281},{"word":"you","start":2836.265,"end":2836.765,"confidence":0.9597168,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6339976191520691},{"word":"and","start":2837.065,"end":2837.4648,"confidence":0.9970703,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.6696161031723022},{"word":"it","start":2837.4648,"end":2837.7048,"confidence":0.78271484,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7678007483482361},{"word":"was","start":2837.7048,"end":2837.865,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.8267116546630859},{"word":"really","start":2837.865,"end":2838.105,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8039875626564026},{"word":"lovely","start":2838.105,"end":2838.505,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8467262983322144},{"word":"to","start":2838.505,"end":2838.585,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8136875033378601},{"word":"speak","start":2838.585,"end":2838.905,"confidence":1.0,"punctuated_word":"speak","sentiment":"positive","sentiment_score":0.7474988698959351},{"word":"to","start":2838.905,"end":2838.9849,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7927820682525635},{"word":"you","start":2838.9849,"end":2839.145,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7722108364105225},{"word":"and","start":2839.145,"end":2839.305,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4591461718082428},{"word":"to","start":2839.305,"end":2839.4648,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6306546330451965},{"word":"meet","start":2839.4648,"end":2839.7048,"confidence":0.9980469,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.6993495225906372},{"word":"you","start":2839.7048,"end":2840.025,"confidence":0.8540039,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5281274318695068},{"word":"so","start":2840.025,"end":2840.425,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4582307636737823},{"word":"i","start":2840.425,"end":2840.585,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6053281426429749},{"word":"appreciate","start":2840.585,"end":2841.085,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.5993735194206238},{"word":"your","start":2841.145,"end":2841.305,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7249969244003296},{"word":"time","start":2841.305,"end":2841.805,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7670786380767822},{"word":"perfect","start":2847.8098,"end":2848.3098,"confidence":0.91674805,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7442647218704224},{"word":"thank","start":2848.5298,"end":2848.7698,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.785013735294342},{"word":"you","start":2848.7698,"end":2849.0898,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8073046207427979},{"word":"very","start":2849.0898,"end":2849.3298,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8115134239196777},{"word":"much","start":2849.3298,"end":2849.8298,"confidence":0.99902344,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.6916311979293823},{"word":"thanks","start":2851.89,"end":2852.2898,"confidence":0.6810303,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7373823523521423},{"word":"jenny","start":2852.2898,"end":2852.6099,"confidence":0.6972656,"punctuated_word":"Jenny.","sentiment":"positive","sentiment_score":0.6674813032150269},{"word":"you","start":2852.6099,"end":2852.8499,"confidence":0.99902344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.670441210269928},{"word":"too","start":2852.8499,"end":2853.0098,"confidence":0.88256836,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.6247854232788086},{"word":"have","start":2853.0098,"end":2853.25,"confidence":0.9941406,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6965707540512085},{"word":"a","start":2853.25,"end":2853.3298,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6827471256256104},{"word":"great","start":2853.3298,"end":2853.5698,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7745130062103271},{"word":"day","start":2853.5698,"end":2854.0698,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.6817604899406433},{"word":"bye","start":2854.13,"end":2854.63,"confidence":0.97998047,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.4266530871391296},{"word":"bye","start":2855.8098,"end":2856.3098,"confidence":0.9123535,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1034456193447113}],"paragraphs":{"transcript":"\nHello. This is Lee. Oh, Jenna. We finally got to talk. I'm good.\n\nThank you. How are you? Yes. No problem. I never remember this.\n\nI think Snoopy, would it be? Yes. Snoopy. Thank thank you. Yes.\n\nBut the investment options aren't going to happen anymore just with the increase of the what is it? The stupid mortgage rates and that coming on. Yeah. We won't be doing anything like that. No.\n\nWe won't. When it once it once it goes up, it's going to put a lot of pressure on us. Yes. I have it in my wallet. Let me just get to that.\n\nI think it's about 1,300 a week. No. It's 1,900 a week. Okay. Hang on.\n\nSorry. 200 of that we paid towards credit cards. So 17 about $17.70 a week. Yes. One of them, we have 5,000 and the other one, I think, 2,000.\n\nThank you. I'm in the payroll now. Let me just go into my employees. I'm just having to look in zero for myself. Sorry.\n\nAnnual salary, it says 71,000. He would probably be around the same. What would that be for? Okay. Then, yeah, it should be.\n\nYep. Oh, there's never any savings. No. I can have a look at that now. I think we've got 4,000 sitting there, but that's only because that's money we owe my daughter because our car we just had to pay 7,000 to my car, so we had to borrow $44,000 from her sort of savings account.\n\nSo I've had to save that back for her. So I think there's 4,000 sitting there. Yes. Kiani. Yep.\n\nThat's right. Thank you. Oh, no. Kobe's 18, and Kian is turning 17 tomorrow. Yes.\n\nThey've definitely grown up. It sure does. It sure does. Do you have children? Uh-huh.\n\nOh, beautiful. Enjoy. It does go fast. So fast. Yes.\n\nYes. I hope so. Do you take time off in the holidays with them? Or Yeah. Yep.\n\nThat's great. Yeah. All good. Very nice. No.\n\nI'm office manager at, like, a electrical company, Everest Electrical Company. And then I do part time sort of PTing now and then. For the PT, no. It wouldn't be that much. Oh, I don't know.\n\nMaybe. Yeah. I guess keep that. I guess so. Yeah.\n\nYes. Yeah. No. Yep. Yes.\n\nI guess so. I wouldn't know the value of it now. Hang on. Toyota Kluger '2 thousand and fourteen Grand Bay. What are they selling for?\n\nOh, still in the twenties. But yeah. Yeah. That's right. So about $2,023,000.\n\nPerfect. You've got the credit card. My husband has an old work debt of 17,000. It was an overdraft that he got from the ANZ Bank and or that his dad passed on to him when he took over the business, and he never managed it well. So we're now trying to pay that down as well.\n\nSo, yes, that's another lovely debt we have from him. Put 18 just in case. Yeah. Okay. Well, the new so he he kind of went into liquidation, and we had the new the guy that's been working for seventeen years came on board as well.\n\nSo they restarted the business. So the new business is kind of paying it off because it was still for the old debt, and that they're kinda paying $200 here and there. So it's coming out of the business one. Not really us, our pocket. No.\n\nNo. Yes. No. Just the standard supplements and things. All the stuff that you see on that'll help.\n\nSo, you know, I think it's creatine and collagen and age, like We have a widow from when Kobe was first born, and it needs to be updated. But it's one of those things I'm always gonna get to it and haven't, but I'd love to. Okay. Yes. Yes.\n\nI can. Okay. Yeah. I think it's always been money thing. Yeah.\n\nYeah. But I don't know how that's true. I don't know how good it would be though because, yeah, like, we didn't have a house or anything when Kobe was born. We had a union. I can.\n\nUh-huh. Yes. Okay. Thank you. Great.\n\nNo. Would that just be my husband? Uh-huh. Yep. Okay.\n\nWow. Yeah. That's we don't have that, but I guess as far as other things. So I need to appoint him as my power of attorney. Can you have, like, him?\n\nBut what if we both pass away? Would then you have your children as a backup? Okay. Mhmm. Okay.\n\nOkay. Mhmm. Okay. Okay. Thank you.\n\nMhmm. That was, I think, for next Christmas. But I've always it was my fiftieth next year, and we always wanted to go I always wanted to go to The Caribbean. So I prefer to go to The Caribbean. So, yeah, we're still wanting to do that.\n\nHopefully, I will. We'll see. Yes, please. And that'll be 2020 seven. Yes.\n\nYes. Yes. Yeah. It'll just depend. Yes.\n\nYeah. Tara lifestyle. And retire, but, yeah, I'd like to be able to finish the house and just, yeah, have more have more time back so we're not working to pay off the mortgage, which is always seem to be doing. What was that? Sorry.\n\nYeah. I guess so. I'm not sure what we would need. That's obviously with the mortgage paid off. I would yep.\n\nIf I mean, the dream is to keep that to keep Narrabeen, and we'd look at getting, like, I'd love a little country place or move away or, you know, country and beach, but a smaller home. Yes. But with maybe some land. Always wanted that, but I'd love to keep Narabim. But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell.\n\nBecause we just can't keep going paying the mortgage the way it is. Yes. Yes. He's self employed. No.\n\nWe do look after dogs, so we get some on the side. But, obviously, that's that's not sort of on the books or anything, but that helps us survive. That's what we started with just friends, and my daughter started it actually. And then it just grew. Mhmm.\n\nI can. Not as yet. Not at the moment. No. Like I said, there was a investment thing that we were looking at.\n\nBut, yeah, I think at the moment, we did I need to concentrate on adding value to the home, I guess, if we're going and try to get that finished, if we're going to move on from there. Mhmm. Yep. Yeah. No.\n\nI I think just at least to make sure the the house is paid off is the main thing because then, you know, the funds will be freed up for whatever money comes in to survive on, so it's just getting rid of the house. That's it. Yep. Oh, got you. Yeah.\n\nMaybe maybe, I guess, they're all going to Kim. Is that what will happen? Yeah. Because otherwise, you're only gonna get 500,000 of it won't be. Okay.\n\nYes. Just go to the other. Maybe I'll just do that especially, yeah, at the moment. Can we just do that? I'll just make a 100% him.\n\nThank you. Mhmm. Yes. Yep. Okay.\n\nYep. Got it. Yep. They're open. That's okay.\n\nI apologize for moving it so much. Thank you. Mhmm. Yeah. That's not worth I'd rather get rid of that.\n\nThat's not worth the 300 and $3,800 a month and for what I'm paying what we're paying now, I'd rather either not have it or move that up if that's Okay. Okay. Okay. Yeah. Okay.\n\nFair enough. That makes sense. That makes sense. Just leave it as as is. That's okay.\n\nThank you. I'm not going through all that again. It's always it's always a pain, isn't it, to go through everything? Yep. Thank you.\n\nYep. That's okay. We'll keep that one. What's the last buyback? Sorry.\n\nWhat's last buyback? Okay. Yeah. Yeah. Okay.\n\nOkay. Thank you very much. Yep. Uh-huh. Such a way and changes.\n\nYeah. Yeah. Okay. Mhmm. I'd I'll take whatever.\n\nI mean, you guys are the experts. I've got no no idea. So whatever. Yep. Yep.\n\nOkay. Yeah. Of course. That's fine. Thank you.\n\nWe won't. Yes. With the the whole the whole world, isn't it? There's just things going on in your world at the moment with everything. Excellent.\n\nYes. That would be great. That's fine. Thank you very much. Mhmm.\n\nYep. Uh-huh. Yeah. I'm bad all the time, so don't worry. No.\n\nI've like I said, my my worries are more things direct that I can control and stuff with at home. This stuff, no. It's fine. Yep. Mhmm.\n\nYep. Mhmm. Yeah. Okay. Okay.\n\nThank you. No. No. That was all fine. Thank you.\n\nI signed it. Mhmm. No. I've got access to a printer. That's fine.\n\nYes. For the time being, that's fine. Okay. I think it was more we were looking at a property. More property.\n\nYeah. Buying a property when we're looking at all of that. Yeah. Not at the moment. Hey.\n\nThere's too much going on. I just wanna leave. Yeah. I don't have to explain for it, though. Thank you.\n\nYes. Two weeks. One, two, eight. I hope it takes October 8. Is that correct?\n\nCorrect. I've got lots of dogs. The next the next week would probably be better if that's okay. And I can do any afternoon by Thursday. Yeah.\n\nThat would be great. Okay. Thank you very much. Hopefully, I'm in better spirits then. I'm sorry.\n\nYes. I know. And our stupid government don't help it. They just make things worse. Anyway okay.\n\nWell, it was that's that's okay. Thank you. And it was really lovely to speak to you and to meet you, so I appreciate your time. Perfect. Thank you very much.\n\nThanks, Jenny. You too. Have a great day. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.52,"sentiment":"neutral","sentiment_score":0.04788285493850708},{"text":"This is Lee.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.050087928771972656},{"text":"Oh, Jenna.","start":7.8399997,"end":8.639999,"sentiment":"neutral","sentiment_score":0.2528500184416771},{"text":"We finally got to talk.","start":8.639999,"end":10.32,"sentiment":"positive","sentiment_score":0.35750332474708557},{"text":"I'm good.","start":10.32,"end":10.88,"sentiment":"positive","sentiment_score":0.5601984560489655}],"sentiment":"neutral","sentiment_score":0.27782770876701063,"num_words":13,"start":1.12,"end":10.88},{"sentences":[{"text":"Thank you.","start":10.88,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6269984543323517},{"text":"How are you?","start":11.5199995,"end":12.285,"sentiment":"positive","sentiment_score":0.36055658260981244},{"text":"Yes.","start":23.404999,"end":23.805,"sentiment":"neutral","sentiment_score":0.06139318645000458},{"text":"No problem.","start":23.805,"end":24.544998,"sentiment":"neutral","sentiment_score":0.1848287135362625},{"text":"I never remember this.","start":31.9,"end":33.34,"sentiment":"neutral","sentiment_score":-0.03740894887596369}],"sentiment":"neutral","sentiment_score":0.21809012287606797,"num_words":12,"start":10.88,"end":33.34},{"sentences":[{"text":"I think Snoopy, would it be?","start":33.34,"end":35.28,"sentiment":"neutral","sentiment_score":0.00470476842019707},{"text":"Yes.","start":40.075,"end":40.395,"sentiment":"neutral","sentiment_score":0.052574522793293},{"text":"Snoopy.","start":40.395,"end":40.895,"sentiment":"neutral","sentiment_score":0.0684378445148468},{"text":"Thank thank you.","start":44.395,"end":45.774998,"sentiment":"positive","sentiment_score":0.508403480052948},{"text":"Yes.","start":61.93,"end":62.41,"sentiment":"neutral","sentiment_score":-0.00979524478316307}],"sentiment":"neutral","sentiment_score":0.13872134776708359,"num_words":12,"start":33.34,"end":62.41},{"sentences":[{"text":"But the investment options aren't going to happen anymore just with the increase of the what is it?","start":62.41,"end":72.245,"sentiment":"neutral","sentiment_score":-0.13288585758871502},{"text":"The stupid mortgage rates and that coming on.","start":72.245,"end":74.805,"sentiment":"negative","sentiment_score":-0.3847997337579727},{"text":"Yeah.","start":74.805,"end":75.045006,"sentiment":"neutral","sentiment_score":-0.1896880269050598},{"text":"We won't be doing anything like that.","start":75.045006,"end":77.145004,"sentiment":"neutral","sentiment_score":-0.2731884866952896},{"text":"No.","start":94.06,"end":94.56,"sentiment":"neutral","sentiment_score":-0.11265456676483154}],"sentiment":"neutral","sentiment_score":-0.21957158020564488,"num_words":35,"start":62.41,"end":94.56},{"sentences":[{"text":"We won't.","start":110.145,"end":110.705,"sentiment":"neutral","sentiment_score":-0.14489466696977615},{"text":"When it once it once it goes up, it's going to put a lot of pressure on us.","start":110.705,"end":121.619995,"sentiment":"neutral","sentiment_score":-0.148924692068249},{"text":"Yes.","start":121.619995,"end":122.119995,"sentiment":"neutral","sentiment_score":0.02425946667790413},{"text":"I have it in my wallet.","start":134.135,"end":135.895,"sentiment":"neutral","sentiment_score":-0.006041931454092264},{"text":"Let me just get to that.","start":135.895,"end":137.495,"sentiment":"neutral","sentiment_score":-0.009540507569909096}],"sentiment":"neutral","sentiment_score":-0.09211118056467085,"num_words":33,"start":110.145,"end":137.495},{"sentences":[{"text":"I think it's about 1,300 a week.","start":137.495,"end":141.19499,"sentiment":"neutral","sentiment_score":-0.017853920880172933},{"text":"No.","start":145.92,"end":146.23999,"sentiment":"neutral","sentiment_score":-0.10773418098688126},{"text":"It's 1,900 a week.","start":146.23999,"end":148.98,"sentiment":"neutral","sentiment_score":-0.0702748354524374},{"text":"Okay.","start":152.56,"end":152.88,"sentiment":"neutral","sentiment_score":-0.01379742007702589},{"text":"Hang on.","start":152.88,"end":153.28,"sentiment":"neutral","sentiment_score":-0.04833918251097202}],"sentiment":"neutral","sentiment_score":-0.041619116937120754,"num_words":15,"start":137.495,"end":153.28},{"sentences":[{"text":"Sorry.","start":153.28,"end":153.52,"sentiment":"neutral","sentiment_score":-0.08466466516256332},{"text":"200 of that we paid towards credit cards.","start":153.52,"end":155.785,"sentiment":"neutral","sentiment_score":-0.08295057062059641},{"text":"So 17 about $17.70 a week.","start":155.785,"end":159.565,"sentiment":"neutral","sentiment_score":-0.04794110109408697},{"text":"Yes.","start":165.38501,"end":165.88501,"sentiment":"neutral","sentiment_score":0.016289910301566124},{"text":"One of them, we have 5,000 and the other one, I think, 2,000.","start":172.08,"end":177.3,"sentiment":"neutral","sentiment_score":-0.0031520515913143754}],"sentiment":"neutral","sentiment_score":-0.03657250334749576,"num_words":29,"start":153.28,"end":177.3},{"sentences":[{"text":"Thank you.","start":188.945,"end":189.685,"sentiment":"positive","sentiment_score":0.6512430310249329},{"text":"I'm in the payroll now.","start":207.2,"end":209.06,"sentiment":"neutral","sentiment_score":-0.0016215039882808923},{"text":"Let me just go into my employees.","start":213.625,"end":216.765,"sentiment":"neutral","sentiment_score":0.006869426396276269},{"text":"I'm just having to look in zero for myself.","start":218.105,"end":220.285,"sentiment":"neutral","sentiment_score":-0.0214886452174849},{"text":"Sorry.","start":220.425,"end":220.925,"sentiment":"neutral","sentiment_score":-0.004098199307918549}],"sentiment":"neutral","sentiment_score":0.04770702169237969,"num_words":24,"start":188.945,"end":220.925},{"sentences":[{"text":"Annual salary, it says 71,000.","start":225.32,"end":227.90001,"sentiment":"neutral","sentiment_score":0.027114882320165633},{"text":"He would probably be around the same.","start":239.625,"end":243.885,"sentiment":"neutral","sentiment_score":0.00014650688639708927},{"text":"What would that be for?","start":258.18,"end":259.8,"sentiment":"neutral","sentiment_score":0.003818286769092083},{"text":"Okay.","start":265.155,"end":265.635,"sentiment":"neutral","sentiment_score":0.029416583478450775},{"text":"Then, yeah, it should be.","start":265.635,"end":267.235,"sentiment":"neutral","sentiment_score":0.04236722774803638}],"sentiment":"neutral","sentiment_score":0.01725843982042178,"num_words":23,"start":225.32,"end":267.235},{"sentences":[{"text":"Yep.","start":267.235,"end":267.735,"sentiment":"neutral","sentiment_score":0.02826225757598877},{"text":"Oh, there's never any savings.","start":274.51498,"end":276.215,"sentiment":"neutral","sentiment_score":-0.0644039824604988},{"text":"No.","start":278.37,"end":278.87,"sentiment":"neutral","sentiment_score":-0.09954694658517838},{"text":"I can have a look at that now.","start":284.21,"end":286.71,"sentiment":"neutral","sentiment_score":-0.04192616790533066},{"text":"I think we've got 4,000 sitting there, but that's only because that's money we owe my daughter because our car we just had to pay 7,000 to my car, so we had to borrow $44,000 from her sort of savings account.","start":287.97,"end":304.815,"sentiment":"neutral","sentiment_score":-0.10448365240562253}],"sentiment":"neutral","sentiment_score":-0.08950970880687237,"num_words":56,"start":267.235,"end":304.815},{"sentences":[{"text":"So I've had to save that back for her.","start":305.035,"end":308.21002,"sentiment":"neutral","sentiment_score":-0.05353986368411117},{"text":"So I think there's 4,000 sitting there.","start":308.43002,"end":310.93002,"sentiment":"neutral","sentiment_score":-0.019113872599388872},{"text":"Yes.","start":324.32498,"end":324.82498,"sentiment":"neutral","sentiment_score":0.0737324059009552},{"text":"Kiani.","start":331.60498,"end":332.10498,"sentiment":"neutral","sentiment_score":0.06966815888881683},{"text":"Yep.","start":332.245,"end":332.485,"sentiment":"neutral","sentiment_score":0.11798765510320663}],"sentiment":"neutral","sentiment_score":-0.018645666392618103,"num_words":19,"start":305.035,"end":332.485},{"sentences":[{"text":"That's right.","start":332.485,"end":333.305,"sentiment":"neutral","sentiment_score":0.28373633325099945},{"text":"Thank you.","start":335.525,"end":336.345,"sentiment":"neutral","sentiment_score":0.3147512525320053},{"text":"Oh, no.","start":344.13,"end":344.69,"sentiment":"neutral","sentiment_score":-0.05295100621879101},{"text":"Kobe's 18, and Kian is turning 17 tomorrow.","start":344.69,"end":348.55002,"sentiment":"neutral","sentiment_score":-0.02890730369836092},{"text":"Yes.","start":352.785,"end":353.185,"sentiment":"positive","sentiment_score":0.6351237893104553}],"sentiment":"neutral","sentiment_score":0.09966256792346637,"num_words":15,"start":332.485,"end":353.185},{"sentences":[{"text":"They've definitely grown up.","start":353.185,"end":354.965,"sentiment":"positive","sentiment_score":0.6337054073810577},{"text":"It sure does.","start":357.66498,"end":358.805,"sentiment":"neutral","sentiment_score":0.29037216305732727},{"text":"It sure does.","start":359.10498,"end":359.82498,"sentiment":"neutral","sentiment_score":0.28248367210229236},{"text":"Do you have children?","start":359.82498,"end":360.805,"sentiment":"neutral","sentiment_score":0.08000742085278034},{"text":"Uh-huh.","start":364.08,"end":364.58,"sentiment":"neutral","sentiment_score":0.1116514727473259}],"sentiment":"neutral","sentiment_score":0.31233801941076916,"num_words":15,"start":353.185,"end":364.58},{"sentences":[{"text":"Oh, beautiful.","start":367.52,"end":368.34,"sentiment":"positive","sentiment_score":0.6502784490585327},{"text":"Enjoy.","start":368.96,"end":369.46,"sentiment":"positive","sentiment_score":0.5796222686767578},{"text":"It does go fast.","start":369.84,"end":371.06,"sentiment":"positive","sentiment_score":0.41480235010385513},{"text":"So fast.","start":371.28,"end":372.02,"sentiment":"neutral","sentiment_score":0.05153178237378597},{"text":"Yes.","start":380.235,"end":380.735,"sentiment":"neutral","sentiment_score":0.10267414897680284}],"sentiment":"positive","sentiment_score":0.37451262809336183,"num_words":10,"start":367.52,"end":380.735},{"sentences":[{"text":"Yes.","start":387.115,"end":387.615,"sentiment":"neutral","sentiment_score":0.0940886065363884},{"text":"I hope so.","start":387.675,"end":388.315,"sentiment":"neutral","sentiment_score":0.13562024384737015},{"text":"Do you take time off in the holidays with them?","start":388.315,"end":390.875,"sentiment":"neutral","sentiment_score":0.06105774827301502},{"text":"Or Yeah.","start":390.875,"end":396.74,"sentiment":"neutral","sentiment_score":0.055989013984799385},{"text":"Yep.","start":398.8,"end":399.3,"sentiment":"neutral","sentiment_score":0.10255435109138487}],"sentiment":"neutral","sentiment_score":0.07800348234527252,"num_words":17,"start":387.115,"end":399.3},{"sentences":[{"text":"That's great.","start":407.575,"end":408.39502,"sentiment":"positive","sentiment_score":0.598523885011673},{"text":"Yeah.","start":414.615,"end":415.115,"sentiment":"neutral","sentiment_score":0.2049727439880371},{"text":"All good.","start":415.255,"end":416.075,"sentiment":"positive","sentiment_score":0.42799967527389526},{"text":"Very nice.","start":417.975,"end":418.875,"sentiment":"positive","sentiment_score":0.6270198822021484},{"text":"No.","start":432.91,"end":433.31,"sentiment":"neutral","sentiment_score":-0.021137617528438568}],"sentiment":"positive","sentiment_score":0.436365251429379,"num_words":8,"start":407.575,"end":433.31},{"sentences":[{"text":"I'm office manager at, like, a electrical company, Everest Electrical Company.","start":433.31,"end":439.215,"sentiment":"neutral","sentiment_score":-0.00303659105504101},{"text":"And then I do part time sort of PTing now and then.","start":440.155,"end":447.13498,"sentiment":"neutral","sentiment_score":0.021821126497040193},{"text":"For the PT, no.","start":454.29,"end":456.13,"sentiment":"neutral","sentiment_score":-0.02519064536318183},{"text":"It wouldn't be that much.","start":456.13,"end":457.43002,"sentiment":"neutral","sentiment_score":-0.03368249125778675},{"text":"Oh, I don't know.","start":458.85,"end":459.65002,"sentiment":"neutral","sentiment_score":-0.05098617170006037}],"sentiment":"neutral","sentiment_score":-0.006796353005079759,"num_words":36,"start":433.31,"end":459.65002},{"sentences":[{"text":"Maybe.","start":459.65002,"end":460.15002,"sentiment":"neutral","sentiment_score":-0.038500383496284485},{"text":"Yeah.","start":461.01,"end":461.41,"sentiment":"neutral","sentiment_score":-0.02011123299598694},{"text":"I guess keep that.","start":461.41,"end":462.69,"sentiment":"neutral","sentiment_score":-0.028819503262639046},{"text":"I guess so.","start":462.69,"end":463.41,"sentiment":"neutral","sentiment_score":-0.02170822521050771},{"text":"Yeah.","start":463.41,"end":463.91,"sentiment":"neutral","sentiment_score":0.005155066028237343}],"sentiment":"neutral","sentiment_score":-0.02338592391461134,"num_words":10,"start":459.65002,"end":463.91},{"sentences":[{"text":"Yes.","start":472.505,"end":473.005,"sentiment":"neutral","sentiment_score":0.0052784159779548645},{"text":"Yeah.","start":486.15,"end":486.63,"sentiment":"neutral","sentiment_score":-0.026676926761865616},{"text":"No.","start":486.63,"end":487.13,"sentiment":"neutral","sentiment_score":-0.08017434179782867},{"text":"Yep.","start":494.30502,"end":494.80502,"sentiment":"neutral","sentiment_score":0.022873055189847943},{"text":"Yes.","start":501.905,"end":502.405,"sentiment":"neutral","sentiment_score":0.01661461591720581}],"sentiment":"neutral","sentiment_score":-0.012417036294937133,"num_words":5,"start":472.505,"end":502.405},{"sentences":[{"text":"I guess so.","start":502.465,"end":503.745,"sentiment":"neutral","sentiment_score":0.003192729209937776},{"text":"I wouldn't know the value of it now.","start":503.745,"end":505.98502,"sentiment":"neutral","sentiment_score":-0.14167741034179926},{"text":"Hang on.","start":505.98502,"end":506.545,"sentiment":"neutral","sentiment_score":-0.014325536089017987},{"text":"Toyota Kluger '2 thousand and fourteen Grand Bay.","start":506.545,"end":513.29004,"sentiment":"neutral","sentiment_score":0.009704834781587124},{"text":"What are they selling for?","start":516.95,"end":518.97003,"sentiment":"neutral","sentiment_score":-0.013540549203753471}],"sentiment":"neutral","sentiment_score":-0.04394447057879566,"num_words":26,"start":502.465,"end":518.97003},{"sentences":[{"text":"Oh, still in the twenties.","start":522.265,"end":524.045,"sentiment":"neutral","sentiment_score":-0.02366418354213238},{"text":"But yeah.","start":524.185,"end":524.745,"sentiment":"neutral","sentiment_score":-0.0010144212283194065},{"text":"Yeah.","start":524.745,"end":524.90497,"sentiment":"neutral","sentiment_score":0.015342459082603456},{"text":"That's right.","start":524.90497,"end":525.545,"sentiment":"neutral","sentiment_score":0.03509603068232536},{"text":"So about $2,023,000.","start":525.545,"end":527.325,"sentiment":"neutral","sentiment_score":0.03341470534602801}],"sentiment":"neutral","sentiment_score":0.005032990486002886,"num_words":13,"start":522.265,"end":527.325},{"sentences":[{"text":"Perfect.","start":527.545,"end":528.045,"sentiment":"positive","sentiment_score":0.669185996055603},{"text":"You've got the credit card.","start":537.2,"end":539.3,"sentiment":"neutral","sentiment_score":-0.00766558051109314},{"text":"My husband has an old work debt of 17,000.","start":540.8,"end":545.14,"sentiment":"neutral","sentiment_score":-0.04926213911838002},{"text":"It was an overdraft that he got from the ANZ Bank and or that his dad passed on to him when he took over the business, and he never managed it well.","start":549.205,"end":559.765,"sentiment":"neutral","sentiment_score":-0.0642954307841137},{"text":"So we're now trying to pay that down as well.","start":559.765,"end":563.37,"sentiment":"neutral","sentiment_score":0.02683140174485743}],"sentiment":"neutral","sentiment_score":-0.0280989636176903,"num_words":57,"start":527.545,"end":563.37},{"sentences":[{"text":"So, yes, that's another lovely debt we have from him.","start":563.37,"end":566.59,"sentiment":"positive","sentiment_score":0.42754964381456373},{"text":"Put 18 just in case.","start":571.21,"end":573.23,"sentiment":"neutral","sentiment_score":0.005487754940986633},{"text":"Yeah.","start":573.77,"end":574.27,"sentiment":"neutral","sentiment_score":0.014780139550566672},{"text":"Okay.","start":574.89,"end":575.39,"sentiment":"neutral","sentiment_score":0.000941799022257328},{"text":"Well, the new so he he kind of went into liquidation, and we had the new the guy that's been working for seventeen years came on board as well.","start":577.745,"end":587.025,"sentiment":"neutral","sentiment_score":-0.04033825511177038}],"sentiment":"neutral","sentiment_score":0.06845321202569682,"num_words":46,"start":563.37,"end":587.025},{"sentences":[{"text":"So they restarted the business.","start":587.025,"end":589.365,"sentiment":"neutral","sentiment_score":0.016929683461785316},{"text":"So the new business is kind of paying it off because it was still for the old debt, and that they're kinda paying $200 here and there.","start":589.77,"end":597.37006,"sentiment":"neutral","sentiment_score":-0.04200553604298168},{"text":"So it's coming out of the business one.","start":597.37006,"end":600.19,"sentiment":"neutral","sentiment_score":-0.022289308020845056},{"text":"Not really us, our pocket.","start":602.25,"end":604.245,"sentiment":"neutral","sentiment_score":-0.1556403234601021},{"text":"No.","start":611.525,"end":612.025,"sentiment":"neutral","sentiment_score":-0.07764402031898499}],"sentiment":"neutral","sentiment_score":-0.045296981687779014,"num_words":46,"start":587.025,"end":612.025},{"sentences":[{"text":"No.","start":613.205,"end":613.705,"sentiment":"neutral","sentiment_score":-0.10113471746444702},{"text":"Yes.","start":619.62,"end":620.12,"sentiment":"neutral","sentiment_score":-0.002965589053928852},{"text":"No.","start":626.5,"end":627.0,"sentiment":"neutral","sentiment_score":-0.08207830786705017},{"text":"Just the standard supplements and things.","start":627.06,"end":629.64,"sentiment":"neutral","sentiment_score":-0.056947872042655945},{"text":"All the stuff that you see on that'll help.","start":631.77997,"end":634.59503,"sentiment":"neutral","sentiment_score":0.025864985667996936}],"sentiment":"neutral","sentiment_score":-0.01639338753496607,"num_words":18,"start":613.205,"end":634.59503},{"sentences":[{"text":"So, you know, I think it's creatine and collagen and age, like We have a widow from when Kobe was first born, and it needs to be updated.","start":634.59503,"end":655.95,"sentiment":"neutral","sentiment_score":-0.05057383514940739},{"text":"But it's one of those things I'm always gonna get to it and haven't, but I'd love to.","start":656.09,"end":667.5725,"sentiment":"neutral","sentiment_score":-0.06917646299633715},{"text":"Okay.","start":674.01,"end":674.51,"sentiment":"neutral","sentiment_score":0.12199728190898897},{"text":"Yes.","start":679.29004,"end":679.79004,"sentiment":"neutral","sentiment_score":0.09027702361345293},{"text":"Yes.","start":686.15497,"end":686.65497,"sentiment":"neutral","sentiment_score":0.15030501782894137}],"sentiment":"neutral","sentiment_score":-0.0469115182605325,"num_words":49,"start":634.59503,"end":686.65497},{"sentences":[{"text":"I can.","start":693.275,"end":693.935,"sentiment":"neutral","sentiment_score":0.30125461518764496},{"text":"Okay.","start":705.38,"end":705.7,"sentiment":"neutral","sentiment_score":0.08493119478225708},{"text":"Yeah.","start":705.7,"end":705.94,"sentiment":"neutral","sentiment_score":0.05814678966999054},{"text":"I think it's always been money thing.","start":705.94,"end":708.28,"sentiment":"neutral","sentiment_score":0.02971754622246538},{"text":"Yeah.","start":709.30005,"end":709.7,"sentiment":"neutral","sentiment_score":0.016570495441555977}],"sentiment":"neutral","sentiment_score":0.0808483778188626,"num_words":12,"start":693.275,"end":709.7},{"sentences":[{"text":"Yeah.","start":709.7,"end":709.94,"sentiment":"neutral","sentiment_score":0.014132970944046974},{"text":"But I don't know how that's true.","start":709.94,"end":712.34,"sentiment":"neutral","sentiment_score":-0.03366834217948573},{"text":"I don't know how good it would be though because, yeah, like, we didn't have a house or anything when Kobe was born.","start":712.34,"end":718.825,"sentiment":"neutral","sentiment_score":-0.17964812109003897},{"text":"We had a union.","start":720.565,"end":721.625,"sentiment":"neutral","sentiment_score":-0.04084062110632658},{"text":"I can.","start":735.86,"end":736.51996,"sentiment":"neutral","sentiment_score":0.00733494572341442}],"sentiment":"neutral","sentiment_score":-0.12167958925301964,"num_words":37,"start":709.7,"end":736.51996},{"sentences":[{"text":"Uh-huh.","start":750.925,"end":751.425,"sentiment":"neutral","sentiment_score":-0.033553652465343475},{"text":"Yes.","start":763.66003,"end":764.16003,"sentiment":"neutral","sentiment_score":0.1052018702030182},{"text":"Okay.","start":770.325,"end":770.805,"sentiment":"neutral","sentiment_score":0.1590699851512909},{"text":"Thank you.","start":770.805,"end":771.545,"sentiment":"positive","sentiment_score":0.439841091632843},{"text":"Great.","start":773.205,"end":773.705,"sentiment":"positive","sentiment_score":0.3854306936264038}],"sentiment":"neutral","sentiment_score":0.24930517996350923,"num_words":6,"start":750.925,"end":773.705},{"sentences":[{"text":"No.","start":779.365,"end":779.865,"sentiment":"negative","sentiment_score":-0.36267754435539246},{"text":"Would that just be my husband?","start":780.08496,"end":781.705,"sentiment":"neutral","sentiment_score":-0.28763477752606076},{"text":"Uh-huh.","start":806.355,"end":806.855,"sentiment":"neutral","sentiment_score":-0.237821102142334},{"text":"Yep.","start":814.36,"end":814.86,"sentiment":"neutral","sentiment_score":-0.08801665157079697},{"text":"Okay.","start":832.71497,"end":833.21497,"sentiment":"neutral","sentiment_score":-0.0482170432806015}],"sentiment":"neutral","sentiment_score":-0.24625410065054892,"num_words":10,"start":779.365,"end":833.21497},{"sentences":[{"text":"Wow.","start":842.235,"end":842.735,"sentiment":"neutral","sentiment_score":-0.1733364462852478},{"text":"Yeah.","start":848.85004,"end":849.25,"sentiment":"neutral","sentiment_score":-0.10824152827262878},{"text":"That's we don't have that, but I guess as far as other things.","start":849.25,"end":852.79004,"sentiment":"neutral","sentiment_score":-0.14711135224654123},{"text":"So I need to appoint him as my power of attorney.","start":853.17,"end":858.85504,"sentiment":"neutral","sentiment_score":0.010999787598848343},{"text":"Can you have, like, him?","start":859.075,"end":860.195,"sentiment":"neutral","sentiment_score":-0.05326605066657066}],"sentiment":"neutral","sentiment_score":-0.07546316591962692,"num_words":31,"start":842.235,"end":860.195},{"sentences":[{"text":"But what if we both pass away?","start":860.195,"end":862.03503,"sentiment":"neutral","sentiment_score":-0.21635346753256662},{"text":"Would then you have your children as a backup?","start":862.03503,"end":864.695,"sentiment":"neutral","sentiment_score":-0.1191721186041832},{"text":"Okay.","start":877.5,"end":878.0,"sentiment":"neutral","sentiment_score":-0.09347186982631683},{"text":"Mhmm.","start":901.70996,"end":902.20996,"sentiment":"neutral","sentiment_score":-0.27594709396362305},{"text":"Okay.","start":915.065,"end":915.565,"sentiment":"neutral","sentiment_score":0.09238960593938828}],"sentiment":"neutral","sentiment_score":-0.15073961568506142,"num_words":19,"start":860.195,"end":915.565},{"sentences":[{"text":"Okay.","start":930.44995,"end":930.94995,"sentiment":"neutral","sentiment_score":0.04530446976423263},{"text":"Mhmm.","start":966.72003,"end":967.22003,"sentiment":"neutral","sentiment_score":0.07403436303138733},{"text":"Okay.","start":993.27,"end":993.77,"sentiment":"neutral","sentiment_score":0.19901250302791595},{"text":"Okay.","start":993.99,"end":994.49,"sentiment":"neutral","sentiment_score":0.2664547264575958},{"text":"Thank you.","start":994.79004,"end":995.61,"sentiment":"positive","sentiment_score":0.46279376745224}],"sentiment":"neutral","sentiment_score":0.251732266197602,"num_words":6,"start":930.44995,"end":995.61},{"sentences":[{"text":"Mhmm.","start":1009.565,"end":1010.065,"sentiment":"neutral","sentiment_score":0.22585640847682953},{"text":"That was, I think, for next Christmas.","start":1024.97,"end":1027.095,"sentiment":"neutral","sentiment_score":0.14211415818759374},{"text":"But I've always it was my fiftieth next year, and we always wanted to go I always wanted to go to The Caribbean.","start":1028.455,"end":1036.955,"sentiment":"neutral","sentiment_score":0.2260194919679476},{"text":"So I prefer to go to The Caribbean.","start":1037.335,"end":1041.0499,"sentiment":"neutral","sentiment_score":0.2512733032926917},{"text":"So, yeah, we're still wanting to do that.","start":1041.11,"end":1042.95,"sentiment":"neutral","sentiment_score":0.27183513157069683}],"sentiment":"neutral","sentiment_score":0.2256164108502104,"num_words":47,"start":1009.565,"end":1042.95},{"sentences":[{"text":"Hopefully, I will.","start":1042.95,"end":1044.41,"sentiment":"neutral","sentiment_score":0.18470661838849387},{"text":"We'll see.","start":1044.79,"end":1045.53,"sentiment":"neutral","sentiment_score":0.08691450953483582},{"text":"Yes, please.","start":1050.39,"end":1051.21,"sentiment":"neutral","sentiment_score":0.0932493545114994},{"text":"And that'll be 2020 seven.","start":1051.99,"end":1063.1849,"sentiment":"neutral","sentiment_score":0.12859540432691574},{"text":"Yes.","start":1063.1849,"end":1063.6849,"sentiment":"neutral","sentiment_score":0.14356830716133118}],"sentiment":"neutral","sentiment_score":0.13084560861954322,"num_words":13,"start":1042.95,"end":1063.6849},{"sentences":[{"text":"Yes.","start":1071.16,"end":1071.66,"sentiment":"neutral","sentiment_score":0.17606186866760254},{"text":"Yes.","start":1073.0,"end":1073.5,"sentiment":"neutral","sentiment_score":0.12098664045333862},{"text":"Yeah.","start":1082.215,"end":1082.615,"sentiment":"neutral","sentiment_score":0.018415968865156177},{"text":"It'll just depend.","start":1082.615,"end":1083.755,"sentiment":"neutral","sentiment_score":-0.055052004754543304},{"text":"Yes.","start":1118.875,"end":1119.375,"sentiment":"neutral","sentiment_score":0.07232071459293365}],"sentiment":"neutral","sentiment_score":0.031804168330771584,"num_words":7,"start":1071.16,"end":1119.375},{"sentences":[{"text":"Yeah.","start":1121.74,"end":1122.24,"sentiment":"neutral","sentiment_score":0.11355742067098618},{"text":"Tara lifestyle.","start":1122.2999,"end":1123.2799,"sentiment":"neutral","sentiment_score":0.11829596757888794},{"text":"And retire, but, yeah, I'd like to be able to finish the house and just, yeah, have more have more time back so we're not working to pay off the mortgage, which is always seem to be doing.","start":1124.2999,"end":1137.515,"sentiment":"neutral","sentiment_score":0.014169211744477874},{"text":"What was that?","start":1157.99,"end":1158.7899,"sentiment":"neutral","sentiment_score":-0.02812366560101509},{"text":"Sorry.","start":1158.7899,"end":1159.2899,"sentiment":"neutral","sentiment_score":-0.06866191327571869}],"sentiment":"neutral","sentiment_score":0.016345477600892385,"num_words":45,"start":1121.74,"end":1159.2899},{"sentences":[{"text":"Yeah.","start":1175.59,"end":1176.09,"sentiment":"neutral","sentiment_score":0.09762466698884964},{"text":"I guess so.","start":1202.34,"end":1203.46,"sentiment":"neutral","sentiment_score":-0.06315382321675618},{"text":"I'm not sure what we would need.","start":1203.46,"end":1209.22,"sentiment":"neutral","sentiment_score":-0.1128859253866332},{"text":"That's obviously with the mortgage paid off.","start":1209.22,"end":1211.3999,"sentiment":"neutral","sentiment_score":-0.1350928172469139},{"text":"I would yep.","start":1247.745,"end":1250.245,"sentiment":"neutral","sentiment_score":-0.1817712833484014}],"sentiment":"neutral","sentiment_score":-0.11300008814959299,"num_words":21,"start":1175.59,"end":1250.245},{"sentences":[{"text":"If I mean, the dream is to keep that to keep Narrabeen, and we'd look at getting, like, I'd love a little country place or move away or, you know, country and beach, but a smaller home.","start":1250.305,"end":1265.39,"sentiment":"neutral","sentiment_score":0.03149279831229029},{"text":"Yes.","start":1265.39,"end":1265.7101,"sentiment":"neutral","sentiment_score":-0.009188863448798656},{"text":"But with maybe some land.","start":1265.7101,"end":1267.41,"sentiment":"neutral","sentiment_score":-0.04346804395318031},{"text":"Always wanted that, but I'd love to keep Narabim.","start":1267.975,"end":1270.215,"sentiment":"neutral","sentiment_score":0.13714274681276745},{"text":"But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell.","start":1270.215,"end":1278.315,"sentiment":"negative","sentiment_score":-0.36146462087829906}],"sentiment":"neutral","sentiment_score":-0.08555475954505566,"num_words":76,"start":1250.305,"end":1278.315},{"sentences":[{"text":"Because we just can't keep going paying the mortgage the way it is.","start":1278.855,"end":1283.3301,"sentiment":"negative","sentiment_score":-0.3991594841847053},{"text":"Yes.","start":1289.79,"end":1290.29,"sentiment":"neutral","sentiment_score":0.03086210787296295},{"text":"Yes.","start":1290.35,"end":1290.67,"sentiment":"neutral","sentiment_score":0.024550076574087143},{"text":"He's self employed.","start":1290.67,"end":1291.89,"sentiment":"neutral","sentiment_score":0.030962570880850155},{"text":"No.","start":1302.385,"end":1302.625,"sentiment":"neutral","sentiment_score":-0.015152320265769958}],"sentiment":"neutral","sentiment_score":-0.266101353556702,"num_words":19,"start":1278.855,"end":1302.625},{"sentences":[{"text":"We do look after dogs, so we get some on the side.","start":1302.625,"end":1306.3049,"sentiment":"neutral","sentiment_score":0.06583565504600604},{"text":"But, obviously, that's that's not sort of on the books or anything, but that helps us survive.","start":1306.3049,"end":1313.45,"sentiment":"neutral","sentiment_score":0.10797957966432851},{"text":"That's what we started with just friends, and my daughter started it actually.","start":1313.75,"end":1317.2899,"sentiment":"neutral","sentiment_score":0.28200092567847324},{"text":"And then it just grew.","start":1318.47,"end":1319.85,"sentiment":"neutral","sentiment_score":0.10402630865573884},{"text":"Mhmm.","start":1348.8201,"end":1349.3201,"sentiment":"neutral","sentiment_score":0.07321421056985855}],"sentiment":"neutral","sentiment_score":0.14343830213571587,"num_words":48,"start":1302.625,"end":1349.3201},{"sentences":[{"text":"I can.","start":1354.0751,"end":1354.735,"sentiment":"neutral","sentiment_score":0.17468565702438354},{"text":"Not as yet.","start":1367.4,"end":1368.28,"sentiment":"neutral","sentiment_score":-0.10816846539576848},{"text":"Not at the moment.","start":1368.28,"end":1369.0801,"sentiment":"neutral","sentiment_score":-0.22790130227804184},{"text":"No.","start":1369.0801,"end":1369.3201,"sentiment":"neutral","sentiment_score":-0.1573244035243988},{"text":"Like I said, there was a investment thing that we were looking at.","start":1369.3201,"end":1372.7001,"sentiment":"neutral","sentiment_score":-0.0760313283938628}],"sentiment":"neutral","sentiment_score":-0.08836830277805743,"num_words":23,"start":1354.0751,"end":1372.7001},{"sentences":[{"text":"But, yeah, I think at the moment, we did I need to concentrate on adding value to the home, I guess, if we're going and try to get that finished, if we're going to move on from there.","start":1373.0801,"end":1387.105,"sentiment":"neutral","sentiment_score":0.10987207759171724},{"text":"Mhmm.","start":1397.7,"end":1398.2,"sentiment":"neutral","sentiment_score":0.040337760001420975},{"text":"Yep.","start":1426.2799,"end":1426.7799,"sentiment":"neutral","sentiment_score":0.31200259923934937},{"text":"Yeah.","start":1433.045,"end":1433.545,"sentiment":"neutral","sentiment_score":0.005347723141312599},{"text":"No.","start":1434.405,"end":1434.645,"sentiment":"neutral","sentiment_score":-0.17641983926296234}],"sentiment":"neutral","sentiment_score":0.10372398075248514,"num_words":42,"start":1373.0801,"end":1434.645},{"sentences":[{"text":"I I think just at least to make sure the the house is paid off is the main thing because then, you know, the funds will be freed up for whatever money comes in to survive on, so it's just getting rid of the house.","start":1434.645,"end":1449.15,"sentiment":"neutral","sentiment_score":-0.1436907347705629},{"text":"That's it.","start":1450.65,"end":1451.63,"sentiment":"neutral","sentiment_score":0.09506567567586899},{"text":"Yep.","start":1467.1849,"end":1467.6849,"sentiment":"neutral","sentiment_score":0.05107998102903366},{"text":"Oh, got you.","start":1476.66,"end":1477.4601,"sentiment":"neutral","sentiment_score":-0.01453830519070228},{"text":"Yeah.","start":1477.4601,"end":1477.9401,"sentiment":"neutral","sentiment_score":-0.00888931192457676}],"sentiment":"neutral","sentiment_score":-0.12071876845752391,"num_words":52,"start":1434.645,"end":1477.9401},{"sentences":[{"text":"Maybe maybe, I guess, they're all going to Kim.","start":1477.9401,"end":1482.9801,"sentiment":"neutral","sentiment_score":-0.026135397661063407},{"text":"Is that what will happen?","start":1482.9801,"end":1483.9401,"sentiment":"neutral","sentiment_score":-0.03732246607542038},{"text":"Yeah.","start":1483.9401,"end":1484.1001,"sentiment":"neutral","sentiment_score":0.016224509105086327},{"text":"Because otherwise, you're only gonna get 500,000 of it won't be.","start":1484.1001,"end":1495.225,"sentiment":"neutral","sentiment_score":-0.02976799493824894},{"text":"Okay.","start":1495.225,"end":1495.725,"sentiment":"neutral","sentiment_score":0.024613745510578156}],"sentiment":"neutral","sentiment_score":-0.026238540704879496,"num_words":27,"start":1477.9401,"end":1495.725},{"sentences":[{"text":"Yes.","start":1524.605,"end":1525.105,"sentiment":"neutral","sentiment_score":0.010725682601332664},{"text":"Just go to the other.","start":1568.13,"end":1569.51,"sentiment":"neutral","sentiment_score":0.013768715038895606},{"text":"Maybe I'll just do that especially, yeah, at the moment.","start":1570.0249,"end":1573.005,"sentiment":"neutral","sentiment_score":0.18560080863535405},{"text":"Can we just do that?","start":1573.225,"end":1574.1849,"sentiment":"neutral","sentiment_score":0.10642527490854263},{"text":"I'll just make a 100% him.","start":1574.1849,"end":1576.125,"sentiment":"positive","sentiment_score":0.40060559411843616}],"sentiment":"neutral","sentiment_score":0.1804198993852845,"num_words":27,"start":1524.605,"end":1576.125},{"sentences":[{"text":"Thank you.","start":1576.2649,"end":1577.005,"sentiment":"positive","sentiment_score":0.7073725759983063},{"text":"Mhmm.","start":1582.345,"end":1582.845,"sentiment":"neutral","sentiment_score":0.035647112876176834},{"text":"Yes.","start":1596.3,"end":1596.8,"sentiment":"neutral","sentiment_score":0.06482855975627899},{"text":"Yep.","start":1630.4851,"end":1630.9851,"sentiment":"neutral","sentiment_score":-0.033957626670598984},{"text":"Okay.","start":1633.045,"end":1633.525,"sentiment":"neutral","sentiment_score":0.06375548243522644}],"sentiment":"neutral","sentiment_score":0.2575031133989493,"num_words":6,"start":1576.2649,"end":1633.525},{"sentences":[{"text":"Yep.","start":1633.525,"end":1633.925,"sentiment":"neutral","sentiment_score":0.08002704381942749},{"text":"Got it.","start":1633.925,"end":1634.665,"sentiment":"neutral","sentiment_score":0.1584097370505333},{"text":"Yep.","start":1640.5701,"end":1640.89,"sentiment":"neutral","sentiment_score":0.13872723281383514},{"text":"They're open.","start":1640.89,"end":1641.64,"sentiment":"neutral","sentiment_score":0.22506548464298248},{"text":"That's okay.","start":1656.695,"end":1657.4149,"sentiment":"neutral","sentiment_score":-0.04551484063267708}],"sentiment":"neutral","sentiment_score":0.1118343798443675,"num_words":8,"start":1633.525,"end":1657.4149},{"sentences":[{"text":"I apologize for moving it so much.","start":1657.4149,"end":1660.475,"sentiment":"neutral","sentiment_score":-0.19455958157777786},{"text":"Thank you.","start":1667.2101,"end":1668.03,"sentiment":"neutral","sentiment_score":0.330006942152977},{"text":"Mhmm.","start":1680.7051,"end":1681.2051,"sentiment":"neutral","sentiment_score":0.015524312853813171},{"text":"Yeah.","start":1710.7849,"end":1711.1849,"sentiment":"neutral","sentiment_score":-0.32741042971611023},{"text":"That's not worth I'd rather get rid of that.","start":1711.1849,"end":1713.345,"sentiment":"negative","sentiment_score":-0.7940074470308092}],"sentiment":"negative","sentiment_score":-0.40799281634390355,"num_words":20,"start":1657.4149,"end":1713.345},{"sentences":[{"text":"That's not worth the 300 and $3,800 a month and for what I'm paying what we're paying now, I'd rather either not have it or move that up if that's Okay.","start":1713.345,"end":1772.905,"sentiment":"negative","sentiment_score":-0.5544404915023234},{"text":"Okay.","start":1787.56,"end":1788.06,"sentiment":"neutral","sentiment_score":-0.06054700165987015},{"text":"Okay.","start":1803.4199,"end":1803.9199,"sentiment":"neutral","sentiment_score":-0.032077856361866},{"text":"Yeah.","start":1811.1799,"end":1811.6799,"sentiment":"neutral","sentiment_score":0.018274130299687386},{"text":"Okay.","start":1811.82,"end":1812.2999,"sentiment":"neutral","sentiment_score":0.06287721544504166}],"sentiment":"negative","sentiment_score":-0.49140367853854383,"num_words":35,"start":1713.345,"end":1812.2999},{"sentences":[{"text":"Fair enough.","start":1812.2999,"end":1812.94,"sentiment":"neutral","sentiment_score":0.10345064103603362},{"text":"That makes sense.","start":1812.94,"end":1813.9199,"sentiment":"neutral","sentiment_score":0.1156511977314949},{"text":"That makes sense.","start":1815.4199,"end":1816.48,"sentiment":"neutral","sentiment_score":0.05897187441587448},{"text":"Just leave it as as is.","start":1838.88,"end":1840.9801,"sentiment":"neutral","sentiment_score":0.020052870114644367},{"text":"That's okay.","start":1841.28,"end":1842.18,"sentiment":"neutral","sentiment_score":0.08856677636504173}],"sentiment":"neutral","sentiment_score":0.06426382949575782,"num_words":16,"start":1812.2999,"end":1842.18},{"sentences":[{"text":"Thank you.","start":1843.04,"end":1843.76,"sentiment":"positive","sentiment_score":0.4256212115287781},{"text":"I'm not going through all that again.","start":1843.76,"end":1845.52,"sentiment":"neutral","sentiment_score":-0.2621728905609676},{"text":"It's always it's always a pain, isn't it, to go through everything?","start":1845.52,"end":1849.455,"sentiment":"neutral","sentiment_score":-0.25673061547180015},{"text":"Yep.","start":1854.3151,"end":1854.8151,"sentiment":"neutral","sentiment_score":-0.06748711317777634},{"text":"Thank you.","start":1864.0,"end":1865.4601,"sentiment":"positive","sentiment_score":0.5675547122955322}],"sentiment":"neutral","sentiment_score":-0.12487970354656379,"num_words":24,"start":1843.04,"end":1865.4601},{"sentences":[{"text":"Yep.","start":1884.7849,"end":1885.105,"sentiment":"neutral","sentiment_score":0.1285821497440338},{"text":"That's okay.","start":1885.105,"end":1885.825,"sentiment":"neutral","sentiment_score":0.22875691205263138},{"text":"We'll keep that one.","start":1885.825,"end":1887.0449,"sentiment":"positive","sentiment_score":0.35338065028190613},{"text":"What's the last buyback?","start":1889.0299,"end":1890.4099,"sentiment":"neutral","sentiment_score":0.0006339061073958908},{"text":"Sorry.","start":1890.63,"end":1890.95,"sentiment":"neutral","sentiment_score":-0.09423726797103882}],"sentiment":"neutral","sentiment_score":0.15899307761962214,"num_words":12,"start":1884.7849,"end":1890.95},{"sentences":[{"text":"What's last buyback?","start":1890.95,"end":1892.1699,"sentiment":"neutral","sentiment_score":-0.07628725965817769},{"text":"Okay.","start":1913.5249,"end":1914.0249,"sentiment":"neutral","sentiment_score":-0.14180806279182434},{"text":"Yeah.","start":1916.0399,"end":1916.5399,"sentiment":"neutral","sentiment_score":-0.032202109694480896},{"text":"Yeah.","start":1935.205,"end":1935.705,"sentiment":"neutral","sentiment_score":0.04431368410587311},{"text":"Okay.","start":1944.885,"end":1945.385,"sentiment":"neutral","sentiment_score":0.0887099876999855}],"sentiment":"neutral","sentiment_score":-0.03854975423642567,"num_words":7,"start":1890.95,"end":1945.385},{"sentences":[{"text":"Okay.","start":1947.77,"end":1948.1699,"sentiment":"neutral","sentiment_score":0.1299268752336502},{"text":"Thank you very much.","start":1948.1699,"end":1949.39,"sentiment":"positive","sentiment_score":0.3833022788167},{"text":"Yep.","start":1967.105,"end":1967.605,"sentiment":"neutral","sentiment_score":-0.11375030130147934},{"text":"Uh-huh.","start":1969.985,"end":1970.485,"sentiment":"neutral","sentiment_score":-0.08715106546878815},{"text":"Such a way and changes.","start":1987.34,"end":1988.72,"sentiment":"neutral","sentiment_score":-0.06258308365941048}],"sentiment":"neutral","sentiment_score":0.09577660045276086,"num_words":12,"start":1947.77,"end":1988.72},{"sentences":[{"text":"Yeah.","start":1988.86,"end":1989.1,"sentiment":"neutral","sentiment_score":0.0028134752064943314},{"text":"Yeah.","start":1989.1,"end":1989.435,"sentiment":"neutral","sentiment_score":0.0036170482635498047},{"text":"Okay.","start":2015.36,"end":2015.86,"sentiment":"neutral","sentiment_score":-0.07379770278930664},{"text":"Mhmm.","start":2065.66,"end":2065.9,"sentiment":"neutral","sentiment_score":-0.0038424022495746617},{"text":"I'd I'll take whatever.","start":2065.9,"end":2067.3599,"sentiment":"neutral","sentiment_score":-0.001813618466258049}],"sentiment":"neutral","sentiment_score":-0.00980800692923367,"num_words":8,"start":1988.86,"end":2067.3599},{"sentences":[{"text":"I mean, you guys are the experts.","start":2067.5798,"end":2069.02,"sentiment":"neutral","sentiment_score":0.003914897197059223},{"text":"I've got no no idea.","start":2069.02,"end":2070.5398,"sentiment":"neutral","sentiment_score":-0.10894715487957},{"text":"So whatever.","start":2070.5398,"end":2072.3198,"sentiment":"neutral","sentiment_score":-0.031518345698714256},{"text":"Yep.","start":2100.99,"end":2101.49,"sentiment":"neutral","sentiment_score":0.10714748501777648},{"text":"Yep.","start":2140.845,"end":2141.345,"sentiment":"neutral","sentiment_score":0.01558838039636612}],"sentiment":"neutral","sentiment_score":-0.028602020000107586,"num_words":16,"start":2067.5798,"end":2141.345},{"sentences":[{"text":"Okay.","start":2147.165,"end":2147.665,"sentiment":"neutral","sentiment_score":0.07183069735765457},{"text":"Yeah.","start":2154.01,"end":2154.33,"sentiment":"neutral","sentiment_score":0.09981654584407806},{"text":"Of course.","start":2154.33,"end":2155.07,"sentiment":"neutral","sentiment_score":0.13744042813777924},{"text":"That's fine.","start":2156.17,"end":2156.97,"sentiment":"neutral","sentiment_score":0.2525826245546341},{"text":"Thank you.","start":2156.97,"end":2157.79,"sentiment":"positive","sentiment_score":0.5240450501441956}],"sentiment":"neutral","sentiment_score":0.2499729311093688,"num_words":8,"start":2147.165,"end":2157.79},{"sentences":[{"text":"We won't.","start":2177.54,"end":2178.18,"sentiment":"neutral","sentiment_score":-0.1533176228404045},{"text":"Yes.","start":2178.18,"end":2178.68,"sentiment":"neutral","sentiment_score":-0.021891925483942032},{"text":"With the the whole the whole world, isn't it?","start":2179.54,"end":2182.18,"sentiment":"neutral","sentiment_score":-0.05263425699538655},{"text":"There's just things going on in your world at the moment with everything.","start":2182.18,"end":2185.56,"sentiment":"neutral","sentiment_score":-0.12434643392379467},{"text":"Excellent.","start":2199.7148,"end":2200.1948,"sentiment":"positive","sentiment_score":0.3840572237968445}],"sentiment":"neutral","sentiment_score":-0.07825699620521985,"num_words":26,"start":2177.54,"end":2200.1948},{"sentences":[{"text":"Yes.","start":2200.1948,"end":2200.53,"sentiment":"neutral","sentiment_score":0.31861788034439087},{"text":"That would be great.","start":2200.61,"end":2202.1301,"sentiment":"positive","sentiment_score":0.5035197883844376},{"text":"That's fine.","start":2202.1301,"end":2202.77,"sentiment":"positive","sentiment_score":0.43536795675754547},{"text":"Thank you very much.","start":2202.77,"end":2203.99,"sentiment":"positive","sentiment_score":0.6190083771944046},{"text":"Mhmm.","start":2237.8599,"end":2238.3599,"sentiment":"neutral","sentiment_score":-0.011360833421349524}],"sentiment":"positive","sentiment_score":0.4723421352294584,"num_words":12,"start":2200.1948,"end":2238.3599},{"sentences":[{"text":"Yep.","start":2269.17,"end":2269.67,"sentiment":"neutral","sentiment_score":0.03481241688132286},{"text":"Uh-huh.","start":2284.195,"end":2284.695,"sentiment":"neutral","sentiment_score":-0.006912399083375931},{"text":"Yeah.","start":2296.54,"end":2297.04,"sentiment":"neutral","sentiment_score":-0.07238172739744186},{"text":"I'm bad all the time, so don't worry.","start":2326.46,"end":2328.48,"sentiment":"neutral","sentiment_score":-0.16099169896915555},{"text":"No.","start":2368.365,"end":2368.865,"sentiment":"neutral","sentiment_score":-0.2350804507732391}],"sentiment":"neutral","sentiment_score":-0.1306246460104982,"num_words":12,"start":2269.17,"end":2368.865},{"sentences":[{"text":"I've like I said, my my worries are more things direct that I can control and stuff with at home.","start":2369.0051,"end":2375.93,"sentiment":"negative","sentiment_score":-0.37272297888994216},{"text":"This stuff, no.","start":2375.93,"end":2377.13,"sentiment":"neutral","sentiment_score":-0.21069729824860892},{"text":"It's fine.","start":2377.13,"end":2377.79,"sentiment":"neutral","sentiment_score":-0.07239133678376675},{"text":"Yep.","start":2389.005,"end":2389.505,"sentiment":"neutral","sentiment_score":0.14261679351329803},{"text":"Mhmm.","start":2404.3801,"end":2404.8801,"sentiment":"neutral","sentiment_score":0.0771094486117363}],"sentiment":"neutral","sentiment_score":-0.2967262186661915,"num_words":27,"start":2369.0051,"end":2404.8801},{"sentences":[{"text":"Yep.","start":2410.86,"end":2411.36,"sentiment":"neutral","sentiment_score":0.07452286779880524},{"text":"Mhmm.","start":2445.6348,"end":2446.1348,"sentiment":"neutral","sentiment_score":-0.011608265340328217},{"text":"Yeah.","start":2495.865,"end":2496.365,"sentiment":"neutral","sentiment_score":0.09091855585575104},{"text":"Okay.","start":2522.9348,"end":2523.4348,"sentiment":"neutral","sentiment_score":0.07883257418870926},{"text":"Okay.","start":2560.9849,"end":2561.4849,"sentiment":"neutral","sentiment_score":0.14161807298660278}],"sentiment":"neutral","sentiment_score":0.07485676109790802,"num_words":5,"start":2410.86,"end":2561.4849},{"sentences":[{"text":"Thank you.","start":2564.43,"end":2565.17,"sentiment":"positive","sentiment_score":0.41184569895267487},{"text":"No.","start":2569.07,"end":2569.57,"sentiment":"neutral","sentiment_score":-0.04080943763256073},{"text":"No.","start":2569.79,"end":2570.19,"sentiment":"neutral","sentiment_score":-0.029774684458971024},{"text":"That was all fine.","start":2570.19,"end":2571.49,"sentiment":"neutral","sentiment_score":0.07239903509616852},{"text":"Thank you.","start":2571.55,"end":2572.1099,"sentiment":"neutral","sentiment_score":0.306636705994606}],"sentiment":"neutral","sentiment_score":0.1655976828187704,"num_words":10,"start":2564.43,"end":2572.1099},{"sentences":[{"text":"I signed it.","start":2572.1099,"end":2573.25,"sentiment":"neutral","sentiment_score":0.23089897632598877},{"text":"Mhmm.","start":2586.305,"end":2586.4648,"sentiment":"neutral","sentiment_score":0.0057862140238285065},{"text":"No.","start":2586.4648,"end":2586.7048,"sentiment":"neutral","sentiment_score":-0.02841109409928322},{"text":"I've got access to a printer.","start":2586.7048,"end":2588.1448,"sentiment":"neutral","sentiment_score":-0.02133373497053981},{"text":"That's fine.","start":2588.1448,"end":2588.9648,"sentiment":"neutral","sentiment_score":0.057064155116677284}],"sentiment":"neutral","sentiment_score":0.050476765331740565,"num_words":13,"start":2572.1099,"end":2588.9648},{"sentences":[{"text":"Yes.","start":2606.9548,"end":2607.355,"sentiment":"neutral","sentiment_score":0.112691268324852},{"text":"For the time being, that's fine.","start":2607.355,"end":2609.295,"sentiment":"neutral","sentiment_score":0.1376281132300695},{"text":"Okay.","start":2688.6099,"end":2688.93,"sentiment":"neutral","sentiment_score":0.03693190589547157},{"text":"I think it was more we were looking at a property.","start":2688.93,"end":2691.5898,"sentiment":"neutral","sentiment_score":0.005854845724322579},{"text":"More property.","start":2693.795,"end":2694.775,"sentiment":"neutral","sentiment_score":0.017794343177229166}],"sentiment":"neutral","sentiment_score":0.05120875442489272,"num_words":21,"start":2606.9548,"end":2694.775},{"sentences":[{"text":"Yeah.","start":2696.355,"end":2696.6748,"sentiment":"neutral","sentiment_score":0.04159998893737793},{"text":"Buying a property when we're looking at all of that.","start":2696.6748,"end":2699.335,"sentiment":"neutral","sentiment_score":0.06470104716718197},{"text":"Yeah.","start":2726.085,"end":2726.565,"sentiment":"neutral","sentiment_score":-0.01320101134479046},{"text":"Not at the moment.","start":2726.565,"end":2727.625,"sentiment":"neutral","sentiment_score":-0.05073684360831976},{"text":"Hey.","start":2727.845,"end":2728.085,"sentiment":"neutral","sentiment_score":-0.05941007286310196}],"sentiment":"neutral","sentiment_score":0.02429717658635448,"num_words":17,"start":2696.355,"end":2728.085},{"sentences":[{"text":"There's too much going on.","start":2728.085,"end":2729.365,"sentiment":"neutral","sentiment_score":-0.10611342340707779},{"text":"I just wanna leave.","start":2729.365,"end":2730.585,"sentiment":"neutral","sentiment_score":-0.08727381192147732},{"text":"Yeah.","start":2730.645,"end":2731.145,"sentiment":"neutral","sentiment_score":-0.08430953323841095},{"text":"I don't have to explain for it, though.","start":2731.285,"end":2733.385,"sentiment":"neutral","sentiment_score":-0.13127190247178078},{"text":"Thank you.","start":2733.4448,"end":2734.1848,"sentiment":"neutral","sentiment_score":0.10047300904989243}],"sentiment":"neutral","sentiment_score":-0.09066005498170852,"num_words":20,"start":2728.085,"end":2734.1848},{"sentences":[{"text":"Yes.","start":2753.025,"end":2753.525,"sentiment":"neutral","sentiment_score":0.0542941614985466},{"text":"Two weeks.","start":2755.025,"end":2755.845,"sentiment":"neutral","sentiment_score":0.038822367787361145},{"text":"One, two, eight.","start":2756.145,"end":2759.2048,"sentiment":"neutral","sentiment_score":0.0386811892191569},{"text":"I hope it takes October 8.","start":2760.145,"end":2762.145,"sentiment":"neutral","sentiment_score":0.053091540932655334},{"text":"Is that correct?","start":2762.145,"end":2763.045,"sentiment":"neutral","sentiment_score":0.057992966224749885}],"sentiment":"neutral","sentiment_score":0.04936737393339475,"num_words":15,"start":2753.025,"end":2763.045},{"sentences":[{"text":"Correct.","start":2764.2249,"end":2764.7249,"sentiment":"neutral","sentiment_score":0.06663435697555542},{"text":"I've got lots of dogs.","start":2771.1,"end":2772.6401,"sentiment":"neutral","sentiment_score":0.04709909781813622},{"text":"The next the next week would probably be better if that's okay.","start":2784.395,"end":2787.935,"sentiment":"neutral","sentiment_score":0.009746697576095661},{"text":"And I can do any afternoon by Thursday.","start":2788.715,"end":2791.6152,"sentiment":"neutral","sentiment_score":0.09474680386483669},{"text":"Yeah.","start":2798.68,"end":2799.0,"sentiment":"neutral","sentiment_score":0.1805495917797089}],"sentiment":"neutral","sentiment_score":0.05028200887695507,"num_words":27,"start":2764.2249,"end":2799.0},{"sentences":[{"text":"That would be great.","start":2799.0,"end":2800.0598,"sentiment":"positive","sentiment_score":0.3857048600912094},{"text":"Okay.","start":2808.995,"end":2809.495,"sentiment":"neutral","sentiment_score":0.2874254584312439},{"text":"Thank you very much.","start":2809.635,"end":2810.8352,"sentiment":"positive","sentiment_score":0.44234832376241684},{"text":"Hopefully, I'm in better spirits then.","start":2810.8352,"end":2812.435,"sentiment":"neutral","sentiment_score":0.27778201053539914},{"text":"I'm sorry.","start":2812.435,"end":2813.175,"sentiment":"neutral","sentiment_score":-0.13983190059661865}],"sentiment":"neutral","sentiment_score":0.2933333209332298,"num_words":17,"start":2799.0,"end":2813.175},{"sentences":[{"text":"Yes.","start":2823.58,"end":2824.08,"sentiment":"neutral","sentiment_score":-0.10719151794910432},{"text":"I know.","start":2824.22,"end":2824.62,"sentiment":"neutral","sentiment_score":-0.23220382630825043},{"text":"And our stupid government don't help it.","start":2824.62,"end":2827.2,"sentiment":"negative","sentiment_score":-0.5330460497311184},{"text":"They just make things worse.","start":2827.5,"end":2828.8801,"sentiment":"negative","sentiment_score":-0.5093815565109253},{"text":"Anyway okay.","start":2829.74,"end":2832.1401,"sentiment":"neutral","sentiment_score":-0.09585120528936386}],"sentiment":"negative","sentiment_score":-0.4142077477539287,"num_words":17,"start":2823.58,"end":2832.1401},{"sentences":[{"text":"Well, it was that's that's okay.","start":2832.1401,"end":2835.645,"sentiment":"neutral","sentiment_score":-0.06737818941473961},{"text":"Thank you.","start":2835.945,"end":2836.765,"sentiment":"positive","sentiment_score":0.6699746549129486},{"text":"And it was really lovely to speak to you and to meet you, so I appreciate your time.","start":2837.065,"end":2841.805,"sentiment":"positive","sentiment_score":0.6951837440331777},{"text":"Perfect.","start":2847.8098,"end":2848.3098,"sentiment":"positive","sentiment_score":0.7442647218704224},{"text":"Thank you very much.","start":2848.5298,"end":2849.8298,"sentiment":"positive","sentiment_score":0.77386574447155}],"sentiment":"positive","sentiment_score":0.5577004924416542,"num_words":31,"start":2832.1401,"end":2849.8298},{"sentences":[{"text":"Thanks, Jenny.","start":2851.89,"end":2852.6099,"sentiment":"positive","sentiment_score":0.7024318277835846},{"text":"You too.","start":2852.6099,"end":2853.0098,"sentiment":"positive","sentiment_score":0.6476133167743683},{"text":"Have a great day.","start":2853.0098,"end":2854.0698,"sentiment":"positive","sentiment_score":0.7088978439569473},{"text":"Bye.","start":2854.13,"end":2854.63,"sentiment":"positive","sentiment_score":0.4266530871391296},{"text":"Bye.","start":2855.8098,"end":2856.3098,"sentiment":"neutral","sentiment_score":-0.1034456193447113}],"sentiment":"positive","sentiment_score":0.5858889132738113,"num_words":10,"start":2851.89,"end":2856.3098}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Lee.\n\nChannel 0: Hi, Lee. This is Jenna Phoning from Oakview Financial. How are you today?\n\nChannel 1: Oh, Jenna. We finally got to talk. I'm good. Thank you. How are you?\n\nChannel 0: I'm really well. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yes. No problem.\n\nChannel 0: Wonderful. And can I please ask for your client password?\n\nChannel 1: I never remember this. I think Snoopy, would it be?\n\nChannel 0: I have a prompt for you, your childhood dog.\n\nChannel 1: Yes. Snoopy.\n\nChannel 0: There you are. Thank you so much, Lee.\n\nChannel 1: Thank thank you.\n\nChannel 0: You're absolutely welcome. So today, we just have scheduled your annual review and to talk about some options investment options that you spoke previously about with Veronica. Do you have time to do that now?\n\nChannel 1: Yes. But the investment options aren't going to happen anymore just with\n\nChannel 0: That's\n\nChannel 1: the increase of the what is it? The stupid mortgage rates and that coming on. Yeah. We won't be doing anything like that.\n\nChannel 0: Absolutely fine. Well, what I might do is before we start is I just wanna see and check-in with you if there's been any significant financial or personal changes\n\nChannel 1: No.\n\nChannel 0: for you? No. So I note that there's been some well, we all know that there's been some mortgage rate increases. Are they impacting you financially? Are you managing?\n\nChannel 1: We won't. When it once it once it goes up, it's going to put a lot of pressure\n\nChannel 0: Yeah. Okay. So your mortgage is sitting at 1.1. Is that correct still?\n\nChannel 1: on us. Yes.\n\nChannel 0: Yep. Okay. And do you know what your mortgage\n\nChannel 1: I have it in my wallet. Let me\n\nChannel 0: repayment\n\nChannel 1: just get to that. I think it's about 1,300 a week.\n\nChannel 0: is?\n\nChannel 1: No. It's 1,900 a week.\n\nChannel 0: 1,900 a week. Okay.\n\nChannel 1: Okay. Hang on. Sorry. 200 of that we paid towards credit cards. So 17 about $17.70 a week.\n\nChannel 0: Okay. $17.70 and then 200 to a credit card.\n\nChannel 1: Yes.\n\nChannel 0: Okay. How much is outstanding on your credit card?\n\nChannel 1: One of them, we have 5,000 and the other one, I think, 2,000.\n\nChannel 0: Okay. K. I'll just make some notes of that as I go. Okay. So I don't have to ask you again when we get to that section.\n\nChannel 1: Thank you.\n\nChannel 0: You're absolutely fine. So with your income and Timothy's income, I've got yours noted as 63,180. Would that be correct?\n\nChannel 1: I'm in the payroll now. Let me just go into my employees. I'm just having to look in zero for myself. Sorry.\n\nChannel 0: Yeah. You're absolutely fine.\n\nChannel 1: Annual salary, it says 71,000.\n\nChannel 0: 71. Okay. Okay. And do you know what Timothy is on? What his income is?\n\nChannel 1: He would probably be around the same.\n\nChannel 0: Yep. Okay. Okay. And we have your expenditure, so outside of debt repayments, being 1,150 a week.\n\nChannel 1: What\n\nChannel 0: Would\n\nChannel 1: would\n\nChannel 0: that\n\nChannel 1: that\n\nChannel 0: still\n\nChannel 1: be for?\n\nChannel 0: that would be like your living expenses. So groceries, other bills.\n\nChannel 1: Okay. Then, yeah, it should be. Yep.\n\nChannel 0: Yeah? Okay. And I've got a note here that any savings just goes into your off\n\nChannel 1: Oh, there's never\n\nChannel 0: offset\n\nChannel 1: any savings.\n\nChannel 0: account. No. That's\n\nChannel 1: No.\n\nChannel 0: okay. I I understand. Do you know what your balance in your offset account is?\n\nChannel 1: I can have a look at that now. I think we've got 4,000 sitting there, but that's only because that's money we owe my daughter because our car we just had to pay 7,000 to my car, so we had to borrow $44,000 from her sort of savings account. So\n\nChannel 0: Yeah.\n\nChannel 1: I've\n\nChannel 0: Okay.\n\nChannel 1: had to save that back for her. So I\n\nChannel 0: That's\n\nChannel 1: think there's\n\nChannel 0: alright.\n\nChannel 1: 4,000 sitting there.\n\nChannel 0: Okay. No worries at all. Okay. And you are still in North Narrabeen?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Fantastic. And your children, Kobe and is it Kiani?\n\nChannel 1: Kiani. Yep. That's right.\n\nChannel 0: That's a lovely name.\n\nChannel 1: Thank you.\n\nChannel 0: How old are they now? Because this I have Kobe as 16 and Kiani as 14. Is that right?\n\nChannel 1: Oh, no. Kobe's 18, and Kian is turning 17 tomorrow.\n\nChannel 0: Oh my gosh. What an exciting time.\n\nChannel 1: Yes. They've definitely grown up.\n\nChannel 0: It goes so fast, doesn't it?\n\nChannel 1: It sure does. It sure does. Do you have children?\n\nChannel 0: I do. I have a 10 year old daughter\n\nChannel 1: Uh-huh.\n\nChannel 0: and a seven year old son.\n\nChannel 1: Oh, beautiful. Enjoy. It does go fast. So\n\nChannel 0: So\n\nChannel 1: fast.\n\nChannel 0: it goes fast, and they're driving me a bit bonkers this week. It'll last week at school. They're a bit tired and cranky, but,\n\nChannel 1: Yes.\n\nChannel 0: hopefully, they they they are back over the holidays, become my normal children again.\n\nChannel 1: Yes. I hope so. Do you take time off in the holidays with them? Or\n\nChannel 0: Sometimes where I can, I try and save as much for Christmas so\n\nChannel 1: Yeah.\n\nChannel 0: we can do stuff over the bigger break?\n\nChannel 1: Yep.\n\nChannel 0: But I'm I'm fortunate enough to have work on on a couple of days a week. We work from home in the office. So\n\nChannel 1: That's great.\n\nChannel 0: I'm I get to see them, like, in\n\nChannel 1: Yeah. All good. Very nice.\n\nChannel 0: fortunate. With your occupation, I have office administration as a bookkeeper at a gym. Is that right?\n\nChannel 1: No. I'm office\n\nChannel 0: No?\n\nChannel 1: manager at, like, a electrical company, Everest\n\nChannel 0: Okay.\n\nChannel 1: Electrical\n\nChannel 0: Everest\n\nChannel 1: Company.\n\nChannel 0: Electrical. Yep.\n\nChannel 1: And then\n\nChannel 0: Okay.\n\nChannel 1: I do part time sort of PTing now and then.\n\nChannel 0: Okay. Right. And I had that that's what that figure is there. It's about 14,400.\n\nChannel 1: For\n\nChannel 0: A year?\n\nChannel 1: the PT, no. It wouldn't\n\nChannel 0: Yes.\n\nChannel 1: be that much.\n\nChannel 0: No. Do\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: don't know.\n\nChannel 0: any\n\nChannel 1: Maybe. Yeah. I guess keep that. I guess so.\n\nChannel 0: yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Okay. And that says a personal trainer?\n\nChannel 1: Yes.\n\nChannel 0: Or a bookkeeper. Yeah. Yeah. Okay. Beautiful.\n\nAlright. So you're not making any additional contributions to super besides the 12%. Is that right?\n\nChannel 1: Yeah. No.\n\nChannel 0: No. That's okay. These are just little questions I've just run through to check.\n\nChannel 1: Yep.\n\nChannel 0: And we have a motor vehicle, a Toyota Kluger, valued at about 20,000.\n\nChannel 1: Yes. I guess so. I wouldn't know the value of it now. Hang on. Toyota Kluger '2 thousand and fourteen Grand Bay.\n\nWhat are they selling for? Oh, still in the twenties. But yeah. Yeah. That's right.\n\nSo about $2,023,000. Perfect.\n\nChannel 0: Fantastic. That's great. Thank you. Any other asset or liabilities that you can think\n\nChannel 1: You've got the credit card. My husband has an old work debt of 17,000.\n\nChannel 0: of? Okay. Is that tax? Or\n\nChannel 1: It was an overdraft that he got from the ANZ Bank and\n\nChannel 0: okay.\n\nChannel 1: or that his dad passed on to him when he took over the business, and he never managed it well. So we're now\n\nChannel 0: Yeah.\n\nChannel 1: trying to pay that down as well. So, yes, that's another lovely debt we have from him.\n\nChannel 0: Okay. And that was 17,000, you said?\n\nChannel 1: Put 18 just in case.\n\nChannel 0: 18?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And how much\n\nChannel 1: Okay.\n\nChannel 0: do you pay off that regularly?\n\nChannel 1: Well, the new so he he kind of went into liquidation, and we had the new the guy that's been working for seventeen years came on board as well. So they restarted the business. So the new business is kind of paying it off because it was still for the old debt, and that they're kinda paying $200 here and there. So it's coming out of the business one.\n\nChannel 0: Okay. So\n\nChannel 1: Not really us,\n\nChannel 0: Not not\n\nChannel 1: our\n\nChannel 0: out\n\nChannel 1: pocket.\n\nChannel 0: of your personal. No. Okay. Alright. Have you ever been declared bankrupt or had\n\nChannel 1: No.\n\nChannel 0: a debt agreement?\n\nChannel 1: No.\n\nChannel 0: No. And I have you here as a nonsmoker. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And do you have any significant health issues or take any medication?\n\nChannel 1: No. Just the standard supplements and things.\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: All the stuff that you see on that'll help. So, you know, I think it's creatine and collagen\n\nChannel 0: yep.\n\nChannel 1: and age,\n\nChannel 0: I understand.\n\nChannel 1: like\n\nChannel 0: Do you have a will and a power of attorney?\n\nChannel 1: We have a widow from when Kobe was first born, and\n\nChannel 0: Yes?\n\nChannel 1: it needs to be updated. But it's one of those things I'm always gonna get to it and haven't, but I'd love\n\nChannel 0: I understand. I understand. What I can do, if you like, is I can send you just through\n\nChannel 1: to.\n\nChannel 0: a brochure for someone that we partner with. They're very reasonably priced compared to what I've seen\n\nChannel 1: Okay.\n\nChannel 0: in my time when you see lawyers charge for these.\n\nChannel 1: Yes.\n\nChannel 0: It might be that it's a very simple will that just needs to be replaced,\n\nChannel 1: Yes.\n\nChannel 0: but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide,\n\nChannel 1: I can.\n\nChannel 0: and it's pretty straightforward. You can do it all virtually like we do. And it's it's usually a pretty quick process if you wanna look into that, which\n\nChannel 1: Okay.\n\nChannel 0: we would\n\nChannel 1: Yeah.\n\nChannel 0: definite\n\nChannel 1: I think it's always\n\nChannel 0: at least\n\nChannel 1: been\n\nChannel 0: you've got\n\nChannel 1: money\n\nChannel 0: a will.\n\nChannel 1: thing.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. But\n\nChannel 0: At\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: don't\n\nChannel 0: least\n\nChannel 1: know\n\nChannel 0: you've\n\nChannel 1: how\n\nChannel 0: got one.\n\nChannel 1: that's true. I don't know how good it would be though because, yeah, like, we didn't have a house or anything when Kobe was born.\n\nChannel 0: Yeah. So your\n\nChannel 1: We\n\nChannel 0: will\n\nChannel 1: had\n\nChannel 0: doesn't\n\nChannel 1: a union.\n\nChannel 0: actually expire or anything like that, and it doesn't deal with assets specifically. It's more where you want your estate to go and your wealth to go in the event of your passing. So if it was\n\nChannel 1: I\n\nChannel 0: set\n\nChannel 1: can.\n\nChannel 0: up to go to Timothy, it would still go to Timothy. The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad.\n\nChannel 1: Uh-huh.\n\nChannel 0: Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's\n\nChannel 1: Yes.\n\nChannel 0: how how your wish is followed. So it's probably worth doing. I'll send you through that brochure anyhow so you\n\nChannel 1: Okay.\n\nChannel 0: and Timothy\n\nChannel 1: Thank you.\n\nChannel 0: can have a look at it.\n\nChannel 1: Great.\n\nChannel 0: Do you have a power of attorney?\n\nChannel 1: No. Would that just\n\nChannel 0: No?\n\nChannel 1: be my husband?\n\nChannel 0: People tend to think that that's how it works. What happens is is a power of attorney covers you if you're unable to make decisions for yourself. So it might be you've suffered a medical event and you're unable to make a decision. It relates to health decisions and financial decisions. So\n\nChannel 1: Uh-huh.\n\nChannel 0: an example would be if you are unable to make a decision or or speak with us. A perfect example\n\nChannel 1: Yep.\n\nChannel 0: would be, and, Timothy needed to ring up and claim an insurance policy or see if he can access your super to pay for medical expenses, we're actually legally not allowed to talk to him without that document.\n\nChannel 1: Okay.\n\nChannel 0: Yes. And the same goes for him. So you wouldn't legally be able to do anything. So if if, for example,\n\nChannel 1: Wow.\n\nChannel 0: you have in individual bank accounts, you the bank won't speak to you.\n\nChannel 1: Yeah. That's we don't have that, but I guess as far\n\nChannel 0: Yeah.\n\nChannel 1: as other things. So I need to\n\nChannel 0: Yep.\n\nChannel 1: appoint him as my\n\nChannel 0: Power of attorney. Yeah.\n\nChannel 1: power of attorney. Can you have, like, him? But what if we both pass away? Would\n\nChannel 0: Now\n\nChannel 1: then\n\nChannel 0: well,\n\nChannel 1: you have\n\nChannel 0: it's\n\nChannel 1: your\n\nChannel 0: not\n\nChannel 1: children\n\nChannel 0: it's\n\nChannel 1: as\n\nChannel 0: not\n\nChannel 1: a backup?\n\nChannel 0: yeah. So a power of attorney isn't really linked to passing away. It's nominating somebody that you trust to make decisions on your behalf while you're alive if you are unable to do so. So\n\nChannel 1: Okay.\n\nChannel 0: it could be health decisions even. So an example, an absolute horrible example would be a decision to turn off life life support, or it might be that yourself or Timothy are in aged care and diagnosed with, let's just say, dementia, for example, and you're\n\nChannel 1: Mhmm.\n\nChannel 0: unable to make decisions. So that document would allow that person to act on your behalf. So my own, for example, is my husband, and then if he's unable to act, it would be my sister.\n\nChannel 1: Okay.\n\nChannel 0: So you're allowed to have you can nominate several. And, you know, you can even it can even get a specific to you want someone specifically to make health decision for you and someone else to make financial decisions. State\n\nChannel 1: Okay.\n\nChannel 0: government departments, like, public trustees. You can go through, like, state government departments, like, public trustees. You will wait a little while likely to get in. And they what typically, how they charge is a percentage from the estate, so it's free to set up. But they'll take a percentage of the estate when the worst does end up happening.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer. So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too. So you can have them both set up in the one with the one in the one place.\n\nChannel 1: Okay. Okay. Thank you.\n\nChannel 0: No. That's absolutely fine. Okay. I'm gonna touch quickly on your goals and objectives that we have on file from last time. One\n\nChannel 1: Mhmm.\n\nChannel 0: of them was that you would love to travel to The UK next Christmas as you have family there and then go to Greece to spread your father in law's ashes. Did you achieve that?\n\nChannel 1: That was, I think, for next Christmas. But\n\nChannel 0: Okay. For yep.\n\nChannel 1: I've always it was my fiftieth next year, and we always wanted to go I always wanted to go to The Caribbean. So\n\nChannel 0: Okay.\n\nChannel 1: I prefer to go to The Caribbean. So, yeah, we're still wanting to do that. Hopefully, I will. We'll see.\n\nChannel 0: Okay. So okay. So should I add on all The Caribbean?\n\nChannel 1: Yes, please. And that'll be 2020\n\nChannel 0: Okay. Okay. 2027. Fantastic. I also have that you need to finish the renovations at Home\n\nChannel 1: seven.\n\nChannel 0: and need\n\nChannel 1: Yes.\n\nChannel 0: to about 100,000 to do this. Is that still something that you\n\nChannel 1: Yes.\n\nChannel 0: are working towards?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and\n\nChannel 1: Yeah. It'll just depend.\n\nChannel 0: yep. Okay. Yeah. I think this is a retirement goal one. Sorry.\n\nThere's no link here for me to see. But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel. Is that now, like, a current lifestyle goal now, or is that\n\nChannel 1: Yes.\n\nChannel 0: more to so that's now?\n\nChannel 1: Yeah. Tara lifestyle. And\n\nChannel 0: Yep.\n\nChannel 1: retire,\n\nChannel 0: Okay.\n\nChannel 1: but, yeah, I'd like to be able to finish the house and just, yeah, have more have more time back so we're not working to pay off the mortgage, which is always seem to be doing.\n\nChannel 0: Yeah. Yeah. I understand that. With your superannuation, you've said that you wanna be in a strong performing platform with good investments for growth and active management to try and mitigate losses where possible. Is that still relevant?\n\nChannel 1: What was that? Sorry.\n\nChannel 0: With your super rate superannuation fund, it says that you wanna be in a strong performing platform with good investments for growth and active management,\n\nChannel 1: Yeah.\n\nChannel 0: retirement goal, I have you wanting to retire between the ages of 60 to 65 years old with an income of 2,000 per week. Yeah? Is that 2,000 for you and Timothy?\n\nChannel 1: I guess so. I'm not sure\n\nChannel 0: Yeah.\n\nChannel 1: what we would need. That's obviously with the mortgage paid off.\n\nChannel 0: Mhmm. Yeah. Uh-huh. Yep. Per week.\n\nOkay. Combined with mortgage. The paid. I guess with the that probably leads me into a different question or a different conversation as well. With your home and the long term plans, with the kids getting older, What is yours and Timothy's plans with the home?\n\nWould you be looking to downsize at any point in time? Would you be what have you thought about those types of\n\nChannel 1: I would yep. If I mean, the dream is to keep that to keep Narrabeen, and we'd look at getting, like, I'd love a little country place or move away or, you know, country and beach, but a smaller home. Yes. But with maybe some land. Always\n\nChannel 0: Yep.\n\nChannel 1: wanted that, but I'd love to keep Narabim. But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell. Because we just can't keep going paying the mortgage the way it is.\n\nChannel 0: Yep. Okay. And is Timothy self employed? Sorry. I just don't know much about Timothy from these notes.\n\nChannel 1: Yes.\n\nChannel 0: I'm just\n\nChannel 1: Yes.\n\nChannel 0: trying\n\nChannel 1: He's\n\nChannel 0: he\n\nChannel 1: self\n\nChannel 0: is.\n\nChannel 1: employed.\n\nChannel 0: Okay. So his income, you said, is about 71, around the same as yours. Does he get any additional income of any additional income of any sort?\n\nChannel 1: No. We do look after dogs, so we get\n\nChannel 0: Yep.\n\nChannel 1: some on the side. But,\n\nChannel 0: Yep.\n\nChannel 1: obviously, that's that's not sort of on the books or anything, but that helps us survive. That's what we started with just friends, and my daughter started it actually.\n\nChannel 0: Okay.\n\nChannel 1: And then it\n\nChannel 0: No\n\nChannel 1: just\n\nChannel 0: worries.\n\nChannel 1: grew.\n\nChannel 0: Okay. Alright. So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what\n\nChannel 1: Mhmm.\n\nChannel 0: we if there's anything that we can do or action to\n\nChannel 1: I can.\n\nChannel 0: assist. So I'll leave those there. Outside of those goals and objectives, is there anything else that you're wanting to achieve in the next short to long term?\n\nChannel 1: Not as yet. Not at the moment. No. Like I said, there was a investment thing that we were looking at. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I think at the moment, we did I need to concentrate on adding value to the home, I guess, if we're going and try to get that finished, if we're\n\nChannel 0: Yeah.\n\nChannel 1: going to move on from there.\n\nChannel 0: Understand. Understand. Okay. So with your insurances, you have life TPD and income protection.\n\nChannel 1: Mhmm.\n\nChannel 0: That's through your superannuation fund that's paid for. And your life insurance and TPD sum insured is just over 1,500,000. So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries.\n\nChannel 1: Yep.\n\nChannel 0: Is that how is is that are you happy with that level of cover? Did you need to increase\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: No. I\n\nChannel 0: Yep.\n\nChannel 1: I think just at least to make sure the the house is paid off is the main thing because then, you know, the funds will be freed up for whatever money comes in to\n\nChannel 0: Mhmm.\n\nChannel 1: survive on, so it's just getting rid of the house.\n\nChannel 0: Yep. Okay. So\n\nChannel 1: That's\n\nChannel 0: on that\n\nChannel 1: it.\n\nChannel 0: note, we have your beneficiary nominations for your super and your life insurance being 50% to Timothy and 25% to Kobe and 25% to Kiani. Did\n\nChannel 1: Yep.\n\nChannel 0: you want to leave them that way, or did you want to have Timothy as the beneficiary so the debts repaid? What was\n\nChannel 1: Oh, got you. Yeah. Maybe maybe, I guess, they're all going to Kim. Is that what will happen? Yeah.\n\nBecause otherwise, you're only gonna get 500,000 of it won't\n\nChannel 0: he'll get half of your superannuation balance and half of your life insurance proceeds.\n\nChannel 1: be. Okay.\n\nChannel 0: So what that's another thing with a will. Now that your one of your children is 18 and the other one is 18 in twelve months' time, when funds are paid from when adult children are a beneficiary of a superannuation fund, they pay it is they pay tax. There's a taxable\n\nChannel 1: Yes.\n\nChannel 0: element on it. With Timothy, it's tax free because he's your spouse. And any tax any tax to Tim would be minimal as opposed to your adult children. So that that's how as well your will will link into this. If it goes to Tim Timothy, sorry, then the will would then dictate what happens with the remainder of the estate.\n\nSo if you do your wills in conjunction with each other, if one of you pass first, usually, most couples' wills\n\nChannel 1: Just go\n\nChannel 0: are\n\nChannel 1: to\n\nChannel 0: mirrored.\n\nChannel 1: the other. Maybe\n\nChannel 0: Yes.\n\nChannel 1: I'll just do that especially, yeah, at the moment. Can we just do\n\nChannel 0: Yeah.\n\nChannel 1: that? I'll just make a 100% him. Thank you.\n\nChannel 0: I can make, yeah, I can make those we'll get some forms sent out for you to sign. That would they\n\nChannel 1: Mhmm.\n\nChannel 0: do need to be signed. So we'll do we'll make that an action item post this meeting. Alright. So I've done that. What I'm gonna do now, Lee, is do you have access to your emails at all?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there. So when you receive that email, the option is sign documents. If you just click on that, that's gonna open up the documents. You're not signing anything at the moment.\n\nWe're just gonna talk through them,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll go from there.\n\nChannel 1: Okay. Yep. Got it.\n\nChannel 0: Okay. Lovely. So let me know when you've got those documents open.\n\nChannel 1: Yep. They're open.\n\nChannel 0: Fantastic. So the first document you should see is a summary of your super and insurance. So you will note it's dated as of the August 26. So that was when our our original appointment was. So I do apologize for it being\n\nChannel 1: That's okay.\n\nChannel 0: probably\n\nChannel 1: I apologize\n\nChannel 0: nearly\n\nChannel 1: for moving\n\nChannel 0: a month\n\nChannel 1: it\n\nChannel 0: down.\n\nChannel 1: so much.\n\nChannel 0: No. No. No. I completely understand. I like I like flexibility.\n\nSo if we can be flexible, that's always\n\nChannel 1: Thank\n\nChannel 0: the goal\n\nChannel 1: you.\n\nChannel 0: with our client. So it's showing that then your balance was sitting at about a $195,877 rounded up. And\n\nChannel 1: Mhmm.\n\nChannel 0: then as I mentioned earlier, your life and TPD insurance, your sums insured. And you also have an income protection policy, which will cover you for $3,788 a month if you're unable to work due to injury or illness. Now that is calculated as 70% of your taxable income. So but you're some insured. So I am just checking to make sure that we're pretty on par with that.\n\nChannel 1: Yeah. That's not worth I'd rather get rid of that. That's not worth the 300 and $3,800 a month and for what I'm paying what we're paying now, I'd rather either not have it or move that up if that's\n\nChannel 0: Yep. Okay. So the maximum sum insured you can get is $4,141 a month. I would definitely not recommend getting rid of it. The reason being is it is usually one of the main policy it is the most policy that's claimed upon.\n\nAnd given that if you were unable to work due to injury or illness, you would have no source of income. So that financial stress of mortgage repayments and debt repayments is only gonna compound. At least this way, you have some level of protection.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. It I totally understand. So your superannuation fund is paying for that premium. At the moment, it's not coming out of your personal cash flow. That I would strongly recommend def definitely\n\nChannel 1: Okay.\n\nChannel 0: not canceling it. It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in\n\nChannel 1: Okay.\n\nChannel 0: the event of repaying debt and those types of things because you'd be solely relying on Timothy's wage\n\nChannel 1: Yeah. Okay. Fair enough. That makes sense.\n\nChannel 0: then. Yeah. So\n\nChannel 1: That\n\nChannel 0: I\n\nChannel 1: makes\n\nChannel 0: can look\n\nChannel 1: sense.\n\nChannel 0: at I can look at bumping it up to a maximum of $4,141 a month if you want me to. You'd have to go through underwriting. So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires. That process would need to occur for that increase. And\n\nChannel 1: Just leave it as as is. That's okay.\n\nChannel 0: okay. Okay.\n\nChannel 1: Thank you. I'm not going through all that again. It's always it's always a pain, isn't it, to go through everything?\n\nChannel 0: It is. It is. But the option at least you know the options there.\n\nChannel 1: Yep.\n\nChannel 0: So if you do have a think about it and you change your mind, you just phone back or send an email, whatever, and I'll get in contact with you again.\n\nChannel 1: Thank you.\n\nChannel 0: The that's okay. And then the next policy you have down is a trauma policy with a small life policy attached, and that's costing you $19.02 per month, and that does come from your personal cash flow. So that's deducted from most likely a bank account or a credit card.\n\nChannel 1: Yep. That's okay. We'll keep that one.\n\nChannel 0: Fantastic.\n\nChannel 1: What's\n\nChannel 0: Alright.\n\nChannel 1: the last buyback? Sorry. What's last buyback?\n\nChannel 0: So what so the reason why the life is attached to the trauma, believe it or not, if you purchase trauma on its own, the premium is significantly higher. If you attach a life policy that is a smaller that matches the amount of the trauma policy. It actually discounts it. Very backward\n\nChannel 1: Okay.\n\nChannel 0: way of doing it, but they do it. So what\n\nChannel 1: Yeah.\n\nChannel 0: so, basically, what it means is you've got an additional life insurance there of $54,838. So what life buyback means is if if you do claim on that trauma policy, if you are diagnosed with a specific illness or diagnosis,\n\nChannel 1: Yeah.\n\nChannel 0: you do have the ability to buy that life insurance, some insured back after a twelve month period. That's what that means.\n\nChannel 1: Okay. Okay. Thank you very much.\n\nChannel 0: That's that's absolutely fine. The next document is your performance report, so for the last twelve months. The first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund. You'll\n\nChannel 1: Yep.\n\nChannel 0: see some negative figures.\n\nChannel 1: Uh-huh.\n\nChannel 0: The bet yes. Yes. So the Bennelong Australian Equities Fund, our our investment committee as approach is not to be reactive to negative performance because the market does have its ups\n\nChannel 1: Such\n\nChannel 0: and downs.\n\nChannel 1: a way and changes.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. When things become, let's call it systemic or long term, that's when we start to review specific funds. So the Australian share market itself has not performed badly in the last twelve months. I mean, we've had a bit of a fluctuation in the last couple of weeks, but over the long term, they the Australian share market's done pretty well. The\n\nChannel 1: Okay.\n\nChannel 0: the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth. So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued. So then along their investment mandate just hasn't, you know, hit hit the mark for them. So what we're doing is as a company and and in our investment committee, we're looking at replacing Ben along with alternative suit suitable alternative if clients are happy for us to look at that for\n\nChannel 1: Mhmm. I'd I'll take whatever. I mean,\n\nChannel 0: them.\n\nChannel 1: you guys are the experts. I've got no no idea. So whatever.\n\nChannel 0: Well, we're just yeah. No. We're here to partner with you and just educate. I think education is the most important thing. We definitely are here in the background to make sure the portfolios are structured the way that they should be.\n\nBut I also like to educate clients along the way as to why we're thinking certain things because it does provide a level of comfort and understanding. Yep.\n\nChannel 1: Yep.\n\nChannel 0: The other there's two other funds in this portfolio that I wanna just touch on briefly as well. The the second one is the Beta Bank hybrid fund. That's the second one down. Nothing wrong with that fund at all, but the Australian banking system is phasing out the hybrid options from January 2027. What I've been doing with the clients I'm working with is proactively reviewing these.\n\nI don't have a crystal ball, and I don't know what's gonna happen to these hybrids or how they're gonna be valued come January 20\n\nChannel 1: Yep.\n\nChannel 0: '27. So what I'm doing is I'm working with clients to look at reviewing for alternative options,\n\nChannel 1: Okay.\n\nChannel 0: getting a little bit more proactive in that approach because I just don't know what's gonna happen there.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: fine.\n\nChannel 0: then\n\nChannel 1: Thank you.\n\nChannel 0: thank you. And then the bottom one is the Vanek Vanek Property ATS Fund. Underperformance in the last short term, but the property market is pretty volatile at the moment given the interest rates, not just in Australia, but America,\n\nChannel 1: We won't. Yes.\n\nChannel 0: the\n\nChannel 1: With\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: world.\n\nChannel 1: the whole\n\nChannel 0: But\n\nChannel 1: the whole world,\n\nChannel 0: yeah.\n\nChannel 1: isn't it? There's just things going on in your world at the moment with everything.\n\nChannel 0: There is. There is. So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there. So if you're happy for me to do that, I'd like to review those three funds. Is that okay?\n\nChannel 1: Excellent. Yes. That would be great. That's fine. Thank you very much.\n\nChannel 0: That's perfect. Thank you. But overall, the portfolio still didn't do too bad, to be honest with you. Over the last twelve months, it returned a 6.07% return. So with Bennelong being in there, that's actually surprising to me.\n\nI've seen some much lower returns, to be completely honest with you. So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: The next document over is an education tool I'd just like to talk through briefly. It's the Vanguard index chart. You are presently invested as a growth investor. What that means is down the right hand side of this page, you'll see the top four assets being US shares, Australian shares, international shares, and listed property.\n\nChannel 1: Yep.\n\nChannel 0: They're your growth they're your growth assets. So in a gross risk profile, we typically have about 80% of your funds invested across those four sectors.\n\nChannel 1: Uh-huh.\n\nChannel 0: And then the remaining 20% is invested along across the defensive assets being your bonds, cash, and fixed interest. So\n\nChannel 1: Yeah.\n\nChannel 0: with a growth portfolio, we do expect to see about seven to a 9% return per annum. And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame. So given that you have nineteen years no. Sorry. Not nineteen years.\n\nSorry. I am really bad at math today.\n\nChannel 1: I'm bad all the time, so don't worry.\n\nChannel 0: You have eleven years until you're actually able to access super, so your preservation age is 60. You do have time on your side to hold that gross risk profile if you feel comfortable, or or you could even potentially look at upping some of that exposure to growth to see if you can get some more growth opportunities. It's simply a, what I like to call a sleep at night test. If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested.\n\nChannel 1: No. I've like I said, my my worries are more things direct that I can control and stuff with at home. This stuff, no. It's fine.\n\nChannel 0: Yeah. So you're happy to maintain that eighty twenty split, have 80 across those top four where you see a lot more volatility, but over the long term growth?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Alright. Lovely. The next two documents are your certificates of currency from MetLife. So what these documents are showing you is that your insurance policies are enforced and\n\nChannel 1: Mhmm.\n\nChannel 0: who your beneficiaries are, which we will have that updated for you\n\nChannel 1: Yep.\n\nChannel 0: to be Timothy. And then the next document over is our financial services guide. So what that is is a legal document that we provide to clients. It explains who we are, the type of advice we're allowed to give, how we give it, an overview of our fee structure, and importantly, if you're unhappy with any advice or services you receive, the complaint's processed. And then the last document is your ongoing service agreement.\n\nChannel 1: Mhmm.\n\nChannel 0: So this is the fee that we charge you, and that's from your superannuation fund. And we it's a fixed fee. So previously, it was a percent based fee, which means each month that changed depending on the balance of the superannuation fund. So in a good month, we'd get paid more, and in a bad month, we'd get paid less. We don't think that that's fair or reasonable to a client or very transparent.\n\nSo what we've done is we're working through fixing client fees at the present moment to provide transparency and consistency in the in knowing what you're being charged. So just because a portfolio performs well, that doesn't mean that we should be paid more. It's\n\nChannel 1: Yeah.\n\nChannel 0: just so we've changed the fee structure to reflect the fixed fee. So you'll see on that document, the annual fee is $3,362.73 per annum. That's then broken down and divided by 12 and deducted monthly from your super fund, which equates to approximately $280.23 per month.\n\nChannel 1: Okay.\n\nChannel 0: Now what that covers is your ongoing reviews with us. For example, the the time and the changes that I'm gonna research and investigate to update your portfolio. Investigate to update your portfolio. You're not also limited to just one review per year. If you like I mentioned earlier, if you if you need to reach out for anything in relation to seeking advice, you just pick up the phone and do so.\n\nAnd that and that's your your fee is for that service, for us to be available\n\nChannel 1: Okay.\n\nChannel 0: for you to you.\n\nChannel 1: Thank you.\n\nChannel 0: So any any questions about any of those documents?\n\nChannel 1: No. No. That\n\nChannel 0: No?\n\nChannel 1: was all fine. Thank you. I signed it.\n\nChannel 0: Oh, thank you. So I'm my action items from here is I'm gonna get some forms issued to you to change your beneficiary. Do you have access to a printer, or would you like me to post them?\n\nChannel 1: Mhmm. No. I've got access to a printer. That's fine.\n\nChannel 0: Okay. Alright. Well, I'll get those emailed out to you along with the estate planning brochure for you and Tim to have a look at. With your review frequency, are you happy to keep that as an annual review?\n\nChannel 1: Yes. For the time being, that's fine.\n\nChannel 0: Yeah. Okay. And the only other option that I did have here to talk to you about from a conversation with Veronica is that you she did mention that you looked at, SMAs. So that's a type of investment option held in superannuation, where the portfolio is invested, but changes are done in the background by the investment committee with when chain when changes need to be made. SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that?\n\nBut what an SMA does is it just it provides more flexibility for quick changes should they need to be made by the investment committee and the transparency. So when you log in, for example, in your hub account, instead of seeing those listed investment funds, you will own certain shares within those funds that will be applicable to you\n\nChannel 1: Okay.\n\nChannel 0: within\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: think\n\nChannel 0: super\n\nChannel 1: it was more\n\nChannel 0: annuation\n\nChannel 1: we were looking\n\nChannel 0: fund.\n\nChannel 1: at a property. More property.\n\nChannel 0: Property?\n\nChannel 1: Yeah.\n\nChannel 0: Let\n\nChannel 1: Buying a\n\nChannel 0: let\n\nChannel 1: property when we're looking at all of that.\n\nChannel 0: okay. Let me have a quick sticky beak this other option. Yeah. It just said SMA, but we can definitely talk about property if that's something that you wanted to talk about.\n\nChannel 1: Yeah. Not at\n\nChannel 0: Be\n\nChannel 1: the moment.\n\nChannel 0: be\n\nChannel 1: Hey. There's too\n\nChannel 0: yeah.\n\nChannel 1: much going on. I just wanna leave. Yeah. I don't have\n\nChannel 0: I\n\nChannel 1: to\n\nChannel 0: understand.\n\nChannel 1: explain for it, though. Thank you.\n\nChannel 0: Yeah. I understand completely. Alright. So I'm gonna probably reach out in I can probably book it in now if you have time for about two weeks' time so I can just present the changes to you to make to that superannuation fund. Would that be okay?\n\nChannel 1: Yes. Two weeks. One, two, eight. I hope it takes October 8. Is that correct?\n\nChannel 0: Yeah.\n\nChannel 1: Correct.\n\nChannel 0: Did you have any afternoon availability at all on that day?\n\nChannel 1: I've got lots of dogs.\n\nChannel 0: It doesn't have to be the eight on the dot. It could be just sometime that week if you like. I can I can be pretty flexible with\n\nChannel 1: The next\n\nChannel 0: timing?\n\nChannel 1: the next week would probably be better if that's okay.\n\nChannel 0: Yes. Of\n\nChannel 1: And\n\nChannel 0: course.\n\nChannel 1: I can do any afternoon by Thursday.\n\nChannel 0: Okay. Do you want around the same time that we did this morning on Thursday, the fifteenth?\n\nChannel 1: Yeah. That would be great.\n\nChannel 0: Okay. Fantastic. I'll book that in, and I'll send you through a calendar invite so you've got that.\n\nChannel 1: Okay. Thank you very much. Hopefully, I'm in better spirits then. I'm sorry.\n\nChannel 0: Oh, no, Lee. I completely understand. The financial stress that everyone's experiencing at the moment is it it's widespread.\n\nChannel 1: Yes.\n\nChannel 0: And\n\nChannel 1: I know. And our stupid government don't help it. They just make things\n\nChannel 0: yeah.\n\nChannel 1: worse. Anyway\n\nChannel 0: Yeah. I'm sorry\n\nChannel 1: okay.\n\nChannel 0: that we\n\nChannel 1: Well,\n\nChannel 0: can't\n\nChannel 1: it was\n\nChannel 0: do anything further with\n\nChannel 1: that's that's okay. Thank you. And it was really lovely to speak to you\n\nChannel 0: that.\n\nChannel 1: and to meet you, so I appreciate\n\nChannel 0: It was lovely\n\nChannel 1: your time.\n\nChannel 0: just oh, anytime. It was lovely to speak with you, and I look forward to speaking to you again in\n\nChannel 1: Perfect. Thank\n\nChannel 0: a few\n\nChannel 1: you very much.\n\nChannel 0: weeks. Enjoy your day.\n\nChannel 1: Thanks, Jenny. You too. Have a great day. Bye.\n\nChannel 0: You too. Bye. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.52,"sentiment":"neutral","sentiment_score":0.04788285493850708},{"text":"This is Lee.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.050087928771972656}],"sentiment":"neutral","sentiment_score":0.04953666031360626,"channel":1,"num_words":4,"start":1.12,"end":2.42},{"sentences":[{"text":"Hi, Lee.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.1747233122587204},{"text":"This is Jenna Phoning from Oakview Financial.","start":3.84,"end":6.16,"sentiment":"neutral","sentiment_score":0.19984381326607295},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.2433157116174698}],"sentiment":"neutral","sentiment_score":0.20935508952691004,"channel":0,"num_words":13,"start":3.1999998,"end":7.14},{"sentences":[{"text":"Oh, Jenna.","start":7.8399997,"end":8.639999,"sentiment":"neutral","sentiment_score":0.2528500184416771},{"text":"We finally got to talk.","start":8.639999,"end":10.32,"sentiment":"positive","sentiment_score":0.35750332474708557},{"text":"I'm good.","start":10.32,"end":10.88,"sentiment":"positive","sentiment_score":0.5601984560489655},{"text":"Thank you.","start":10.88,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6269984543323517},{"text":"How are you?","start":11.5199995,"end":12.285,"sentiment":"positive","sentiment_score":0.36055658260981244}],"sentiment":"positive","sentiment_score":0.410662873515061,"channel":1,"num_words":14,"start":7.8399997,"end":12.285},{"sentences":[{"text":"I'm really well.","start":13.135,"end":14.335,"sentiment":"positive","sentiment_score":0.5005333026250204},{"text":"Thank you.","start":14.335,"end":15.075001,"sentiment":"positive","sentiment_score":0.545456200838089},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":15.135,"end":21.695,"sentiment":"neutral","sentiment_score":0.06489424537057462},{"text":"Is that okay?","start":21.695,"end":22.515,"sentiment":"neutral","sentiment_score":0.06477354218562444}],"sentiment":"neutral","sentiment_score":0.13804517998810736,"channel":0,"num_words":31,"start":13.135,"end":22.515},{"sentences":[{"text":"Yes.","start":23.404999,"end":23.805,"sentiment":"neutral","sentiment_score":0.06139318645000458},{"text":"No problem.","start":23.805,"end":24.544998,"sentiment":"neutral","sentiment_score":0.1848287135362625}],"sentiment":"neutral","sentiment_score":0.1436835378408432,"channel":1,"num_words":3,"start":23.404999,"end":24.544998},{"sentences":[{"text":"Wonderful.","start":25.375,"end":25.875,"sentiment":"neutral","sentiment_score":0.3201470375061035},{"text":"And can I please ask for your client password?","start":26.46,"end":29.519999,"sentiment":"neutral","sentiment_score":0.0597986558245288}],"sentiment":"neutral","sentiment_score":0.08583349399268628,"channel":0,"num_words":10,"start":25.375,"end":29.519999},{"sentences":[{"text":"I never remember this.","start":31.9,"end":33.34,"sentiment":"neutral","sentiment_score":-0.03740894887596369},{"text":"I think Snoopy, would it be?","start":33.34,"end":35.28,"sentiment":"neutral","sentiment_score":0.00470476842019707}],"sentiment":"neutral","sentiment_score":-0.012140718498267233,"channel":1,"num_words":10,"start":31.9,"end":35.28},{"sentences":[{"text":"I have a prompt for you, your childhood dog.","start":36.14,"end":38.565,"sentiment":"neutral","sentiment_score":0.029863749734229512}],"sentiment":"neutral","sentiment_score":0.029863749734229512,"channel":0,"num_words":9,"start":36.14,"end":38.565},{"sentences":[{"text":"Yes.","start":40.075,"end":40.395,"sentiment":"neutral","sentiment_score":0.052574522793293},{"text":"Snoopy.","start":40.395,"end":40.895,"sentiment":"neutral","sentiment_score":0.0684378445148468}],"sentiment":"neutral","sentiment_score":0.0605061836540699,"channel":1,"num_words":2,"start":40.075,"end":40.895},{"sentences":[{"text":"There you are.","start":41.684998,"end":42.405,"sentiment":"neutral","sentiment_score":0.12331131845712662},{"text":"Thank you so much, Lee.","start":42.405,"end":44.184998,"sentiment":"positive","sentiment_score":0.5154208898544311}],"sentiment":"positive","sentiment_score":0.36837980058044195,"channel":0,"num_words":8,"start":41.684998,"end":44.184998},{"sentences":[{"text":"Thank thank you.","start":44.395,"end":45.774998,"sentiment":"positive","sentiment_score":0.508403480052948}],"sentiment":"positive","sentiment_score":0.508403480052948,"channel":1,"num_words":3,"start":44.395,"end":45.774998},{"sentences":[{"text":"You're absolutely welcome.","start":46.484997,"end":47.704998,"sentiment":"positive","sentiment_score":0.40833800037701923},{"text":"So today, we just have scheduled your annual review and to talk about some options investment options that you spoke previously about with Veronica.","start":48.725,"end":58.82,"sentiment":"neutral","sentiment_score":0.0664719248500963},{"text":"Do you have time to do that now?","start":58.88,"end":60.66,"sentiment":"neutral","sentiment_score":0.03519908362068236}],"sentiment":"neutral","sentiment_score":0.08862665332853795,"channel":0,"num_words":35,"start":46.484997,"end":60.66},{"sentences":[{"text":"Yes.","start":61.93,"end":62.41,"sentiment":"neutral","sentiment_score":-0.00979524478316307},{"text":"But the investment options aren't going to happen anymore just with","start":62.41,"end":67.47,"sentiment":"neutral","sentiment_score":-0.10720981928435239}],"sentiment":"neutral","sentiment_score":-0.09909193807591994,"channel":1,"num_words":12,"start":61.93,"end":67.47},{"sentences":[{"text":"That's","start":67.295,"end":67.795,"sentiment":"neutral","sentiment_score":-0.1298380345106125}],"sentiment":"neutral","sentiment_score":-0.1298380345106125,"channel":0,"num_words":1,"start":67.295,"end":67.795},{"sentences":[{"text":"the increase of the what is it?","start":68.645004,"end":72.245,"sentiment":"neutral","sentiment_score":-0.17323391778128489},{"text":"The stupid mortgage rates and that coming on.","start":72.245,"end":74.805,"sentiment":"negative","sentiment_score":-0.3847997337579727},{"text":"Yeah.","start":74.805,"end":75.045006,"sentiment":"neutral","sentiment_score":-0.1896880269050598},{"text":"We won't be doing anything like that.","start":75.045006,"end":77.145004,"sentiment":"neutral","sentiment_score":-0.2731884866952896}],"sentiment":"neutral","sentiment_score":-0.2779583794915158,"channel":1,"num_words":23,"start":68.645004,"end":77.145004},{"sentences":[{"text":"Absolutely fine.","start":79.0,"end":79.82,"sentiment":"neutral","sentiment_score":0.08943101763725281},{"text":"Well, what I might do is before we start is I just wanna see and check-in with you if there's been any significant financial or personal changes","start":80.04,"end":91.18,"sentiment":"neutral","sentiment_score":-0.04436003265005571}],"sentiment":"neutral","sentiment_score":-0.03513306366472409,"channel":0,"num_words":29,"start":79.0,"end":91.18},{"sentences":[{"text":"No.","start":94.06,"end":94.56,"sentiment":"neutral","sentiment_score":-0.11265456676483154}],"sentiment":"neutral","sentiment_score":-0.11265456676483154,"channel":1,"num_words":1,"start":94.06,"end":94.56},{"sentences":[{"text":"for you?","start":95.284996,"end":95.445,"sentiment":"neutral","sentiment_score":-0.09714198857545853},{"text":"No.","start":95.445,"end":95.945,"sentiment":"neutral","sentiment_score":-0.12367897480726242},{"text":"So I note that there's been some well, we all know that there's been some mortgage rate increases.","start":97.445,"end":103.465,"sentiment":"neutral","sentiment_score":-0.11078682459063},{"text":"Are they impacting you financially?","start":103.524994,"end":106.55,"sentiment":"neutral","sentiment_score":-0.13883737325668336},{"text":"Are you managing?","start":107.01,"end":107.91,"sentiment":"neutral","sentiment_score":-0.12160438547531764}],"sentiment":"neutral","sentiment_score":-0.11624571783789273,"channel":0,"num_words":29,"start":95.284996,"end":107.91},{"sentences":[{"text":"We won't.","start":110.145,"end":110.705,"sentiment":"neutral","sentiment_score":-0.14489466696977615},{"text":"When it once it once it goes up, it's going to put a lot of pressure","start":110.705,"end":113.85,"sentiment":"neutral","sentiment_score":-0.1652738586999476}],"sentiment":"neutral","sentiment_score":-0.16300950406326187,"channel":1,"num_words":18,"start":110.145,"end":113.85},{"sentences":[{"text":"Yeah.","start":115.170006,"end":115.490005,"sentiment":"neutral","sentiment_score":-0.05433978512883186},{"text":"Okay.","start":115.490005,"end":115.990005,"sentiment":"neutral","sentiment_score":-0.009857079945504664},{"text":"So your mortgage is sitting at 1.1.","start":116.130005,"end":119.225,"sentiment":"neutral","sentiment_score":-0.02278245865766491},{"text":"Is that correct still?","start":119.225,"end":120.604996,"sentiment":"neutral","sentiment_score":-0.002428026869893074}],"sentiment":"neutral","sentiment_score":-0.017952783319812555,"channel":0,"num_words":13,"start":115.170006,"end":120.604996},{"sentences":[{"text":"on us.","start":120.729996,"end":121.619995,"sentiment":"neutral","sentiment_score":-0.01813135901466012},{"text":"Yes.","start":121.619995,"end":122.119995,"sentiment":"neutral","sentiment_score":0.02425946667790413}],"sentiment":"neutral","sentiment_score":-0.00400108378380537,"channel":1,"num_words":3,"start":120.729996,"end":122.119995},{"sentences":[{"text":"Yep.","start":122.424995,"end":122.924995,"sentiment":"neutral","sentiment_score":0.02470514178276062},{"text":"Okay.","start":123.064995,"end":123.564995,"sentiment":"neutral","sentiment_score":0.019043223932385445},{"text":"And do you know what your mortgage","start":124.185,"end":130.285,"sentiment":"neutral","sentiment_score":-0.007296574435063771}],"sentiment":"neutral","sentiment_score":-0.0008141839255889257,"channel":0,"num_words":9,"start":122.424995,"end":130.285},{"sentences":[{"text":"I have it in my wallet.","start":134.135,"end":135.895,"sentiment":"neutral","sentiment_score":-0.006041931454092264},{"text":"Let me","start":135.895,"end":136.295,"sentiment":"neutral","sentiment_score":-0.000021755695343017578}],"sentiment":"neutral","sentiment_score":-0.0045368875144049525,"channel":1,"num_words":8,"start":134.135,"end":136.295},{"sentences":[{"text":"repayment","start":136.27,"end":136.77,"sentiment":"neutral","sentiment_score":0.0003228411078453064}],"sentiment":"neutral","sentiment_score":0.0003228411078453064,"channel":0,"num_words":1,"start":136.27,"end":136.77},{"sentences":[{"text":"just get to that.","start":136.295,"end":137.495,"sentiment":"neutral","sentiment_score":-0.014299883507192135},{"text":"I think it's about 1,300 a week.","start":137.495,"end":141.19499,"sentiment":"neutral","sentiment_score":-0.017853920880172933}],"sentiment":"neutral","sentiment_score":-0.01656154365363446,"channel":1,"num_words":11,"start":136.295,"end":141.19499},{"sentences":[{"text":"is?","start":141.71,"end":142.21,"sentiment":"neutral","sentiment_score":-0.024329591542482376}],"sentiment":"neutral","sentiment_score":-0.024329591542482376,"channel":0,"num_words":1,"start":141.71,"end":142.21},{"sentences":[{"text":"No.","start":145.92,"end":146.23999,"sentiment":"neutral","sentiment_score":-0.10773418098688126},{"text":"It's 1,900 a week.","start":146.23999,"end":148.98,"sentiment":"neutral","sentiment_score":-0.0702748354524374}],"sentiment":"neutral","sentiment_score":-0.07776670455932617,"channel":1,"num_words":5,"start":145.92,"end":148.98},{"sentences":[{"text":"1,900 a week.","start":149.80501,"end":151.345,"sentiment":"neutral","sentiment_score":-0.032947750141223274},{"text":"Okay.","start":152.285,"end":152.785,"sentiment":"neutral","sentiment_score":-0.009868464432656763}],"sentiment":"neutral","sentiment_score":-0.027177928714081645,"channel":0,"num_words":4,"start":149.80501,"end":152.785},{"sentences":[{"text":"Okay.","start":152.56,"end":152.88,"sentiment":"neutral","sentiment_score":-0.01379742007702589},{"text":"Hang on.","start":152.88,"end":153.28,"sentiment":"neutral","sentiment_score":-0.04833918251097202},{"text":"Sorry.","start":153.28,"end":153.52,"sentiment":"neutral","sentiment_score":-0.08466466516256332},{"text":"200 of that we paid towards credit cards.","start":153.52,"end":155.785,"sentiment":"neutral","sentiment_score":-0.08295057062059641},{"text":"So 17 about $17.70 a week.","start":155.785,"end":159.565,"sentiment":"neutral","sentiment_score":-0.04794110109408697}],"sentiment":"neutral","sentiment_score":-0.06368842343282369,"channel":1,"num_words":18,"start":152.56,"end":159.565},{"sentences":[{"text":"Okay.","start":160.26,"end":160.76,"sentiment":"neutral","sentiment_score":-0.009899689815938473},{"text":"$17.70 and then 200 to a credit card.","start":161.37999,"end":165.0,"sentiment":"neutral","sentiment_score":-0.021483869990333915}],"sentiment":"neutral","sentiment_score":-0.020196738859845534,"channel":0,"num_words":9,"start":160.26,"end":165.0},{"sentences":[{"text":"Yes.","start":165.38501,"end":165.88501,"sentiment":"neutral","sentiment_score":0.016289910301566124}],"sentiment":"neutral","sentiment_score":0.016289910301566124,"channel":1,"num_words":1,"start":165.38501,"end":165.88501},{"sentences":[{"text":"Okay.","start":166.98,"end":167.48,"sentiment":"neutral","sentiment_score":0.004328619688749313},{"text":"How much is outstanding on your credit card?","start":168.01999,"end":170.595,"sentiment":"neutral","sentiment_score":-0.07355070067569613}],"sentiment":"neutral","sentiment_score":-0.06489744285742442,"channel":0,"num_words":9,"start":166.98,"end":170.595},{"sentences":[{"text":"One of them, we have 5,000 and the other one, I think, 2,000.","start":172.08,"end":177.3,"sentiment":"neutral","sentiment_score":-0.0031520515913143754}],"sentiment":"neutral","sentiment_score":-0.0031520515913143754,"channel":1,"num_words":13,"start":172.08,"end":177.3},{"sentences":[{"text":"Okay.","start":178.515,"end":179.015,"sentiment":"neutral","sentiment_score":0.048851609230041504},{"text":"K.","start":182.995,"end":183.475,"sentiment":"neutral","sentiment_score":0.04597875475883484},{"text":"I'll just make some notes of that as I go.","start":183.475,"end":185.575,"sentiment":"neutral","sentiment_score":0.09757794588804244},{"text":"Okay.","start":185.66,"end":185.98,"sentiment":"neutral","sentiment_score":0.10411414504051208},{"text":"So I don't have to ask you again when we get to that section.","start":185.98,"end":188.40001,"sentiment":"neutral","sentiment_score":0.07816243411174842}],"sentiment":"neutral","sentiment_score":0.08403696464719596,"channel":0,"num_words":27,"start":178.515,"end":188.40001},{"sentences":[{"text":"Thank you.","start":188.945,"end":189.685,"sentiment":"positive","sentiment_score":0.6512430310249329}],"sentiment":"positive","sentiment_score":0.6512430310249329,"channel":1,"num_words":2,"start":188.945,"end":189.685},{"sentences":[{"text":"You're absolutely fine.","start":190.46,"end":191.74,"sentiment":"positive","sentiment_score":0.622818132241567},{"text":"So with your income and Timothy's income, I've got yours noted as 63,180.","start":191.74,"end":203.89499,"sentiment":"neutral","sentiment_score":0.09480430443699543},{"text":"Would that be correct?","start":203.89499,"end":205.03499,"sentiment":"neutral","sentiment_score":0.04707498010247946}],"sentiment":"neutral","sentiment_score":0.16446051374077797,"channel":0,"num_words":20,"start":190.46,"end":205.03499},{"sentences":[{"text":"I'm in the payroll now.","start":207.2,"end":209.06,"sentiment":"neutral","sentiment_score":-0.0016215039882808923},{"text":"Let me just go into my employees.","start":213.625,"end":216.765,"sentiment":"neutral","sentiment_score":0.006869426396276269},{"text":"I'm just having to look in zero for myself.","start":218.105,"end":220.285,"sentiment":"neutral","sentiment_score":-0.0214886452174849},{"text":"Sorry.","start":220.425,"end":220.925,"sentiment":"neutral","sentiment_score":-0.004098199307918549}],"sentiment":"neutral","sentiment_score":-0.0071598882469433274,"channel":1,"num_words":22,"start":207.2,"end":220.925},{"sentences":[{"text":"Yeah.","start":221.36,"end":221.6,"sentiment":"neutral","sentiment_score":0.08029940724372864},{"text":"You're absolutely fine.","start":221.6,"end":223.06,"sentiment":"neutral","sentiment_score":0.17334121465682983}],"sentiment":"neutral","sentiment_score":0.15008076280355453,"channel":0,"num_words":4,"start":221.36,"end":223.06},{"sentences":[{"text":"Annual salary, it says 71,000.","start":225.32,"end":227.90001,"sentiment":"neutral","sentiment_score":0.027114882320165633}],"sentiment":"neutral","sentiment_score":0.027114882320165633,"channel":1,"num_words":5,"start":225.32,"end":227.90001},{"sentences":[{"text":"71.","start":228.8,"end":229.6,"sentiment":"neutral","sentiment_score":0.011448699049651625},{"text":"Okay.","start":229.6,"end":230.055,"sentiment":"neutral","sentiment_score":0.02153090387582779},{"text":"Okay.","start":232.61499,"end":233.11499,"sentiment":"neutral","sentiment_score":0.01738135702908039},{"text":"And do you know what Timothy is on?","start":233.73499,"end":236.47499,"sentiment":"neutral","sentiment_score":0.0035292692482471466},{"text":"What his income is?","start":236.855,"end":238.23499,"sentiment":"neutral","sentiment_score":-0.0032637203112244606}],"sentiment":"neutral","sentiment_score":0.004369348846375942,"channel":0,"num_words":15,"start":228.8,"end":238.23499},{"sentences":[{"text":"He would probably be around the same.","start":239.625,"end":243.885,"sentiment":"neutral","sentiment_score":0.00014650688639708927}],"sentiment":"neutral","sentiment_score":0.00014650688639708927,"channel":1,"num_words":7,"start":239.625,"end":243.885},{"sentences":[{"text":"Yep.","start":244.775,"end":245.275,"sentiment":"neutral","sentiment_score":0.0293145552277565},{"text":"Okay.","start":245.415,"end":245.76,"sentiment":"neutral","sentiment_score":0.02691483311355114},{"text":"Okay.","start":248.15999,"end":248.65999,"sentiment":"neutral","sentiment_score":0.024763070046901703},{"text":"And we have your expenditure, so outside of debt repayments, being 1,150 a week.","start":248.79999,"end":256.41998,"sentiment":"neutral","sentiment_score":0.014045108974512135}],"sentiment":"neutral","sentiment_score":0.01633082259008113,"channel":0,"num_words":17,"start":244.775,"end":256.41998},{"sentences":[{"text":"What","start":258.18,"end":258.41998,"sentiment":"neutral","sentiment_score":0.0007329732179641724}],"sentiment":"neutral","sentiment_score":0.0007329732179641724,"channel":1,"num_words":1,"start":258.18,"end":258.41998},{"sentences":[{"text":"Would","start":258.32,"end":258.47998,"sentiment":"neutral","sentiment_score":0.0038850754499435425}],"sentiment":"neutral","sentiment_score":0.0038850754499435425,"channel":0,"num_words":1,"start":258.32,"end":258.47998},{"sentences":[{"text":"would","start":258.41998,"end":258.66,"sentiment":"neutral","sentiment_score":0.004639875143766403}],"sentiment":"neutral","sentiment_score":0.004639875143766403,"channel":1,"num_words":1,"start":258.41998,"end":258.66},{"sentences":[{"text":"that","start":258.47998,"end":258.8,"sentiment":"neutral","sentiment_score":0.015342900529503822}],"sentiment":"neutral","sentiment_score":0.015342900529503822,"channel":0,"num_words":1,"start":258.47998,"end":258.8},{"sentences":[{"text":"that","start":258.66,"end":258.9,"sentiment":"neutral","sentiment_score":0.009634599089622498}],"sentiment":"neutral","sentiment_score":0.009634599089622498,"channel":1,"num_words":1,"start":258.66,"end":258.9},{"sentences":[{"text":"still","start":258.8,"end":259.04,"sentiment":"neutral","sentiment_score":-0.0004011616110801697}],"sentiment":"neutral","sentiment_score":-0.0004011616110801697,"channel":0,"num_words":1,"start":258.8,"end":259.04},{"sentences":[{"text":"be for?","start":258.9,"end":259.8,"sentiment":"neutral","sentiment_score":0.002041993197053671}],"sentiment":"neutral","sentiment_score":0.002041993197053671,"channel":1,"num_words":2,"start":258.9,"end":259.8},{"sentences":[{"text":"that would be like your living expenses.","start":260.385,"end":262.245,"sentiment":"neutral","sentiment_score":-0.0032431469964129584},{"text":"So groceries, other bills.","start":262.30502,"end":264.565,"sentiment":"neutral","sentiment_score":0.005368090700358152}],"sentiment":"neutral","sentiment_score":-0.0001117878339507363,"channel":0,"num_words":11,"start":260.385,"end":264.565},{"sentences":[{"text":"Okay.","start":265.155,"end":265.635,"sentiment":"neutral","sentiment_score":0.029416583478450775},{"text":"Then, yeah, it should be.","start":265.635,"end":267.235,"sentiment":"neutral","sentiment_score":0.04236722774803638},{"text":"Yep.","start":267.235,"end":267.735,"sentiment":"neutral","sentiment_score":0.02826225757598877}],"sentiment":"neutral","sentiment_score":0.03850213997066021,"channel":1,"num_words":7,"start":265.155,"end":267.735},{"sentences":[{"text":"Yeah?","start":268.385,"end":268.885,"sentiment":"neutral","sentiment_score":0.02055561915040016},{"text":"Okay.","start":268.945,"end":269.445,"sentiment":"neutral","sentiment_score":0.016788221895694733},{"text":"And I've got a note here that any savings just goes into your off","start":269.665,"end":273.0,"sentiment":"neutral","sentiment_score":0.00671017515872206}],"sentiment":"neutral","sentiment_score":0.008205393329262733,"channel":0,"num_words":16,"start":268.385,"end":273.0},{"sentences":[{"text":"Oh, there's never","start":274.51498,"end":275.395,"sentiment":"neutral","sentiment_score":-0.05162958552440008}],"sentiment":"neutral","sentiment_score":-0.05162958552440008,"channel":1,"num_words":3,"start":274.51498,"end":275.395},{"sentences":[{"text":"offset","start":275.32,"end":275.82,"sentiment":"neutral","sentiment_score":-0.04959510639309883}],"sentiment":"neutral","sentiment_score":-0.04959510639309883,"channel":0,"num_words":1,"start":275.32,"end":275.82},{"sentences":[{"text":"any savings.","start":275.395,"end":276.215,"sentiment":"neutral","sentiment_score":-0.08356557786464691}],"sentiment":"neutral","sentiment_score":-0.08356557786464691,"channel":1,"num_words":2,"start":275.395,"end":276.215},{"sentences":[{"text":"account.","start":276.76,"end":277.24,"sentiment":"neutral","sentiment_score":-0.05785194784402847},{"text":"No.","start":277.24,"end":277.74,"sentiment":"neutral","sentiment_score":-0.07806041091680527},{"text":"That's","start":278.36,"end":278.6,"sentiment":"neutral","sentiment_score":-0.06140875071287155}],"sentiment":"neutral","sentiment_score":-0.06577370315790176,"channel":0,"num_words":3,"start":276.76,"end":278.6},{"sentences":[{"text":"No.","start":278.37,"end":278.87,"sentiment":"neutral","sentiment_score":-0.09954694658517838}],"sentiment":"neutral","sentiment_score":-0.09954694658517838,"channel":1,"num_words":1,"start":278.37,"end":278.87},{"sentences":[{"text":"okay.","start":278.6,"end":279.0,"sentiment":"neutral","sentiment_score":-0.06188635900616646},{"text":"I I understand.","start":279.0,"end":280.22,"sentiment":"neutral","sentiment_score":-0.05247745290398598},{"text":"Do you know what your balance in your offset account is?","start":280.28,"end":282.78,"sentiment":"neutral","sentiment_score":-0.06747618046673862}],"sentiment":"neutral","sentiment_score":-0.06410378019014994,"channel":0,"num_words":15,"start":278.6,"end":282.78},{"sentences":[{"text":"I can have a look at that now.","start":284.21,"end":286.71,"sentiment":"neutral","sentiment_score":-0.04192616790533066},{"text":"I think we've got 4,000 sitting there, but that's only because that's money we owe my daughter because our car we just had to pay 7,000 to my car, so we had to borrow $44,000 from her sort of savings account.","start":287.97,"end":304.815,"sentiment":"neutral","sentiment_score":-0.10448365240562253},{"text":"So","start":305.035,"end":305.535,"sentiment":"neutral","sentiment_score":-0.01852961629629135}],"sentiment":"neutral","sentiment_score":-0.0927553741633892,"channel":1,"num_words":50,"start":284.21,"end":305.535},{"sentences":[{"text":"Yeah.","start":305.68,"end":306.0,"sentiment":"neutral","sentiment_score":-0.020574022084474564}],"sentiment":"neutral","sentiment_score":-0.020574022084474564,"channel":0,"num_words":1,"start":305.68,"end":306.0},{"sentences":[{"text":"I've","start":305.995,"end":306.235,"sentiment":"neutral","sentiment_score":-0.02469026856124401}],"sentiment":"neutral","sentiment_score":-0.02469026856124401,"channel":1,"num_words":1,"start":305.995,"end":306.235},{"sentences":[{"text":"Okay.","start":306.0,"end":306.5,"sentiment":"neutral","sentiment_score":-0.02757567912340164}],"sentiment":"neutral","sentiment_score":-0.02757567912340164,"channel":0,"num_words":1,"start":306.0,"end":306.5},{"sentences":[{"text":"had to save that back for her.","start":306.235,"end":308.21002,"sentiment":"neutral","sentiment_score":-0.06266269832849503},{"text":"So I","start":308.43002,"end":308.83002,"sentiment":"neutral","sentiment_score":-0.012118879705667496}],"sentiment":"neutral","sentiment_score":-0.05143073863453335,"channel":1,"num_words":9,"start":306.235,"end":308.83002},{"sentences":[{"text":"That's","start":308.8,"end":309.19998,"sentiment":"neutral","sentiment_score":-0.01308644376695156}],"sentiment":"neutral","sentiment_score":-0.01308644376695156,"channel":0,"num_words":1,"start":308.8,"end":309.19998},{"sentences":[{"text":"think there's","start":308.83002,"end":309.39,"sentiment":"neutral","sentiment_score":-0.02314145676791668}],"sentiment":"neutral","sentiment_score":-0.02314145676791668,"channel":1,"num_words":2,"start":308.83002,"end":309.39},{"sentences":[{"text":"alright.","start":309.19998,"end":309.69998,"sentiment":"neutral","sentiment_score":-0.008356437087059021}],"sentiment":"neutral","sentiment_score":-0.008356437087059021,"channel":0,"num_words":1,"start":309.19998,"end":309.69998},{"sentences":[{"text":"4,000 sitting there.","start":309.39,"end":310.93002,"sentiment":"neutral","sentiment_score":-0.02109214508285125}],"sentiment":"neutral","sentiment_score":-0.02109214508285125,"channel":1,"num_words":3,"start":309.39,"end":310.93002},{"sentences":[{"text":"Okay.","start":311.75998,"end":312.135,"sentiment":"neutral","sentiment_score":0.0260420273989439},{"text":"No worries at all.","start":312.935,"end":314.55502,"sentiment":"neutral","sentiment_score":0.0394110968336463},{"text":"Okay.","start":317.17502,"end":317.67502,"sentiment":"neutral","sentiment_score":0.032102324068546295},{"text":"And you are still in North Narrabeen?","start":319.575,"end":323.27502,"sentiment":"neutral","sentiment_score":0.02433467922466142}],"sentiment":"neutral","sentiment_score":0.029702422567285024,"channel":0,"num_words":13,"start":311.75998,"end":323.27502},{"sentences":[{"text":"Yes.","start":324.32498,"end":324.82498,"sentiment":"neutral","sentiment_score":0.0737324059009552}],"sentiment":"neutral","sentiment_score":0.0737324059009552,"channel":1,"num_words":1,"start":324.32498,"end":324.82498},{"sentences":[{"text":"Yep.","start":325.415,"end":325.915,"sentiment":"neutral","sentiment_score":0.12614236772060394},{"text":"Fantastic.","start":325.975,"end":326.475,"sentiment":"positive","sentiment_score":0.36623725295066833},{"text":"And your children, Kobe and is it Kiani?","start":327.86002,"end":331.0,"sentiment":"neutral","sentiment_score":0.1284440215677023}],"sentiment":"neutral","sentiment_score":0.15199317932128906,"channel":0,"num_words":10,"start":325.415,"end":331.0},{"sentences":[{"text":"Kiani.","start":331.60498,"end":332.10498,"sentiment":"neutral","sentiment_score":0.06966815888881683},{"text":"Yep.","start":332.245,"end":332.485,"sentiment":"neutral","sentiment_score":0.11798765510320663},{"text":"That's right.","start":332.485,"end":333.305,"sentiment":"neutral","sentiment_score":0.28373633325099945}],"sentiment":"neutral","sentiment_score":0.1887821201235056,"channel":1,"num_words":4,"start":331.60498,"end":333.305},{"sentences":[{"text":"That's a lovely name.","start":333.7,"end":334.92,"sentiment":"positive","sentiment_score":0.5868910104036331}],"sentiment":"positive","sentiment_score":0.5868910104036331,"channel":0,"num_words":4,"start":333.7,"end":334.92},{"sentences":[{"text":"Thank you.","start":335.525,"end":336.345,"sentiment":"neutral","sentiment_score":0.3147512525320053}],"sentiment":"neutral","sentiment_score":0.3147512525320053,"channel":1,"num_words":2,"start":335.525,"end":336.345},{"sentences":[{"text":"How old are they now?","start":337.7,"end":338.66,"sentiment":"neutral","sentiment_score":0.0025130242109298708},{"text":"Because this I have Kobe as 16 and Kiani as 14.","start":338.66,"end":342.985,"sentiment":"neutral","sentiment_score":0.004410633732649413},{"text":"Is that right?","start":342.985,"end":343.88498,"sentiment":"neutral","sentiment_score":0.00864247294763724}],"sentiment":"neutral","sentiment_score":0.004579447945089717,"channel":0,"num_words":19,"start":337.7,"end":343.88498},{"sentences":[{"text":"Oh, no.","start":344.13,"end":344.69,"sentiment":"neutral","sentiment_score":-0.05295100621879101},{"text":"Kobe's 18, and Kian is turning 17 tomorrow.","start":344.69,"end":348.55002,"sentiment":"neutral","sentiment_score":-0.02890730369836092}],"sentiment":"neutral","sentiment_score":-0.033716044202446935,"channel":1,"num_words":10,"start":344.13,"end":348.55002},{"sentences":[{"text":"Oh my gosh.","start":349.465,"end":350.425,"sentiment":"neutral","sentiment_score":-0.021796076868971188},{"text":"What an exciting time.","start":350.425,"end":351.965,"sentiment":"positive","sentiment_score":0.7676217257976532}],"sentiment":"positive","sentiment_score":0.42929981036909987,"channel":0,"num_words":7,"start":349.465,"end":351.965},{"sentences":[{"text":"Yes.","start":352.785,"end":353.185,"sentiment":"positive","sentiment_score":0.6351237893104553},{"text":"They've definitely grown up.","start":353.185,"end":354.965,"sentiment":"positive","sentiment_score":0.6337054073810577}],"sentiment":"positive","sentiment_score":0.6339890837669373,"channel":1,"num_words":5,"start":352.785,"end":354.965},{"sentences":[{"text":"It goes so fast, doesn't it?","start":355.58002,"end":357.84003,"sentiment":"positive","sentiment_score":0.3872508853673935}],"sentiment":"positive","sentiment_score":0.3872508853673935,"channel":0,"num_words":6,"start":355.58002,"end":357.84003},{"sentences":[{"text":"It sure does.","start":357.66498,"end":358.805,"sentiment":"neutral","sentiment_score":0.29037216305732727},{"text":"It sure does.","start":359.10498,"end":359.82498,"sentiment":"neutral","sentiment_score":0.28248367210229236},{"text":"Do you have children?","start":359.82498,"end":360.805,"sentiment":"neutral","sentiment_score":0.08000742085278034}],"sentiment":"neutral","sentiment_score":0.20385971888899804,"channel":1,"num_words":10,"start":357.66498,"end":360.805},{"sentences":[{"text":"I do.","start":361.82,"end":362.38,"sentiment":"neutral","sentiment_score":0.1545926108956337},{"text":"I have a 10 year old daughter","start":362.38,"end":364.40002,"sentiment":"neutral","sentiment_score":0.12976360214608057}],"sentiment":"neutral","sentiment_score":0.13528115964598125,"channel":0,"num_words":9,"start":361.82,"end":364.40002},{"sentences":[{"text":"Uh-huh.","start":364.08,"end":364.58,"sentiment":"neutral","sentiment_score":0.1116514727473259}],"sentiment":"neutral","sentiment_score":0.1116514727473259,"channel":1,"num_words":1,"start":364.08,"end":364.58},{"sentences":[{"text":"and a seven year old son.","start":364.54,"end":366.48,"sentiment":"neutral","sentiment_score":0.10673785582184792}],"sentiment":"neutral","sentiment_score":0.10673785582184792,"channel":0,"num_words":6,"start":364.54,"end":366.48},{"sentences":[{"text":"Oh, beautiful.","start":367.52,"end":368.34,"sentiment":"positive","sentiment_score":0.6502784490585327},{"text":"Enjoy.","start":368.96,"end":369.46,"sentiment":"positive","sentiment_score":0.5796222686767578},{"text":"It does go fast.","start":369.84,"end":371.06,"sentiment":"positive","sentiment_score":0.41480235010385513},{"text":"So","start":371.28,"end":371.52,"sentiment":"neutral","sentiment_score":0.05961238220334053}],"sentiment":"positive","sentiment_score":0.44987511867657304,"channel":1,"num_words":8,"start":367.52,"end":371.52},{"sentences":[{"text":"So","start":371.39502,"end":371.715,"sentiment":"neutral","sentiment_score":0.018327128142118457}],"sentiment":"neutral","sentiment_score":0.018327128142118457,"channel":0,"num_words":1,"start":371.39502,"end":371.715},{"sentences":[{"text":"fast.","start":371.52,"end":372.02,"sentiment":"neutral","sentiment_score":0.043451182544231415}],"sentiment":"neutral","sentiment_score":0.043451182544231415,"channel":1,"num_words":1,"start":371.52,"end":372.02},{"sentences":[{"text":"it goes fast, and they're driving me a bit bonkers this week.","start":371.715,"end":375.95502,"sentiment":"neutral","sentiment_score":-0.19993630734582743},{"text":"It'll last week at school.","start":375.95502,"end":377.23502,"sentiment":"neutral","sentiment_score":-0.05579138174653053},{"text":"They're a bit tired and cranky, but,","start":377.23502,"end":379.495,"sentiment":"neutral","sentiment_score":-0.14908682714615548}],"sentiment":"neutral","sentiment_score":-0.15507501612106958,"channel":0,"num_words":24,"start":371.715,"end":379.495},{"sentences":[{"text":"Yes.","start":380.235,"end":380.735,"sentiment":"neutral","sentiment_score":0.10267414897680284}],"sentiment":"neutral","sentiment_score":0.10267414897680284,"channel":1,"num_words":1,"start":380.235,"end":380.735},{"sentences":[{"text":"hopefully, they they they are back over the holidays, become my normal children again.","start":381.155,"end":386.7,"sentiment":"neutral","sentiment_score":0.25125746003219057}],"sentiment":"neutral","sentiment_score":0.25125746003219057,"channel":0,"num_words":14,"start":381.155,"end":386.7},{"sentences":[{"text":"Yes.","start":387.115,"end":387.615,"sentiment":"neutral","sentiment_score":0.0940886065363884},{"text":"I hope so.","start":387.675,"end":388.315,"sentiment":"neutral","sentiment_score":0.13562024384737015},{"text":"Do you take time off in the holidays with them?","start":388.315,"end":390.875,"sentiment":"neutral","sentiment_score":0.06105774827301502},{"text":"Or","start":390.875,"end":391.115,"sentiment":"neutral","sentiment_score":0.049920860677957535}],"sentiment":"neutral","sentiment_score":0.07742984543244044,"channel":1,"num_words":15,"start":387.115,"end":391.115},{"sentences":[{"text":"Sometimes where I can, I try and save as much for Christmas so","start":392.36002,"end":396.28,"sentiment":"neutral","sentiment_score":0.07529931615751523}],"sentiment":"neutral","sentiment_score":0.07529931615751523,"channel":0,"num_words":13,"start":392.36002,"end":396.28},{"sentences":[{"text":"Yeah.","start":396.24,"end":396.74,"sentiment":"neutral","sentiment_score":0.062057167291641235}],"sentiment":"neutral","sentiment_score":0.062057167291641235,"channel":1,"num_words":1,"start":396.24,"end":396.74},{"sentences":[{"text":"we can do stuff over the bigger break?","start":396.28,"end":398.3,"sentiment":"neutral","sentiment_score":0.0677455491386354}],"sentiment":"neutral","sentiment_score":0.0677455491386354,"channel":0,"num_words":8,"start":396.28,"end":398.3},{"sentences":[{"text":"Yep.","start":398.8,"end":399.3,"sentiment":"neutral","sentiment_score":0.10255435109138487}],"sentiment":"neutral","sentiment_score":0.10255435109138487,"channel":1,"num_words":1,"start":398.8,"end":399.3},{"sentences":[{"text":"But I'm I'm fortunate enough to have work on on a couple of days a week.","start":399.345,"end":404.86502,"sentiment":"neutral","sentiment_score":0.22304834239184856},{"text":"We work from home in the office.","start":404.86502,"end":406.885,"sentiment":"neutral","sentiment_score":0.23788003197738103},{"text":"So","start":407.505,"end":408.005,"sentiment":"neutral","sentiment_score":0.29674676060676575}],"sentiment":"neutral","sentiment_score":0.2304450192799171,"channel":0,"num_words":24,"start":399.345,"end":408.005},{"sentences":[{"text":"That's great.","start":407.575,"end":408.39502,"sentiment":"positive","sentiment_score":0.598523885011673}],"sentiment":"positive","sentiment_score":0.598523885011673,"channel":1,"num_words":2,"start":407.575,"end":408.39502},{"sentences":[{"text":"I'm I get to see them, like, in","start":408.14502,"end":410.88,"sentiment":"neutral","sentiment_score":0.273117009550333}],"sentiment":"neutral","sentiment_score":0.273117009550333,"channel":0,"num_words":8,"start":408.14502,"end":410.88},{"sentences":[{"text":"Yeah.","start":414.615,"end":415.115,"sentiment":"neutral","sentiment_score":0.2049727439880371},{"text":"All good.","start":415.255,"end":416.075,"sentiment":"positive","sentiment_score":0.42799967527389526},{"text":"Very nice.","start":417.975,"end":418.875,"sentiment":"positive","sentiment_score":0.6270198822021484}],"sentiment":"positive","sentiment_score":0.4630023717880249,"channel":1,"num_words":5,"start":414.615,"end":418.875},{"sentences":[{"text":"fortunate.","start":420.88,"end":421.38,"sentiment":"positive","sentiment_score":0.4677295684814453},{"text":"With your occupation, I have office administration as a bookkeeper at a gym.","start":424.685,"end":431.005,"sentiment":"neutral","sentiment_score":0.08065813779830933},{"text":"Is that right?","start":431.005,"end":431.825,"sentiment":"neutral","sentiment_score":0.04687803114453951}],"sentiment":"neutral","sentiment_score":0.09746585019371089,"channel":0,"num_words":17,"start":420.88,"end":431.825},{"sentences":[{"text":"No.","start":432.91,"end":433.31,"sentiment":"neutral","sentiment_score":-0.021137617528438568},{"text":"I'm office","start":433.31,"end":434.13,"sentiment":"neutral","sentiment_score":-0.013519117143005133}],"sentiment":"neutral","sentiment_score":-0.016058617271482944,"channel":1,"num_words":3,"start":432.91,"end":434.13},{"sentences":[{"text":"No?","start":433.965,"end":434.465,"sentiment":"neutral","sentiment_score":-0.01797979325056076}],"sentiment":"neutral","sentiment_score":-0.01797979325056076,"channel":0,"num_words":1,"start":433.965,"end":434.465},{"sentences":[{"text":"manager at, like, a electrical company, Everest","start":434.47498,"end":438.175,"sentiment":"neutral","sentiment_score":-0.0039541783875652724}],"sentiment":"neutral","sentiment_score":-0.0039541783875652724,"channel":1,"num_words":7,"start":434.47498,"end":438.175},{"sentences":[{"text":"Okay.","start":438.1,"end":438.42,"sentiment":"neutral","sentiment_score":0.005453223362565041}],"sentiment":"neutral","sentiment_score":0.005453223362565041,"channel":0,"num_words":1,"start":438.1,"end":438.42},{"sentences":[{"text":"Electrical","start":438.235,"end":438.715,"sentiment":"neutral","sentiment_score":0.011674684472382069}],"sentiment":"neutral","sentiment_score":0.011674684472382069,"channel":1,"num_words":1,"start":438.235,"end":438.715},{"sentences":[{"text":"Everest","start":438.42,"end":438.9,"sentiment":"neutral","sentiment_score":0.013266732916235924}],"sentiment":"neutral","sentiment_score":0.013266732916235924,"channel":0,"num_words":1,"start":438.42,"end":438.9},{"sentences":[{"text":"Company.","start":438.715,"end":439.215,"sentiment":"neutral","sentiment_score":0.009640296921133997}],"sentiment":"neutral","sentiment_score":0.009640296921133997,"channel":1,"num_words":1,"start":438.715,"end":439.215},{"sentences":[{"text":"Electrical.","start":438.9,"end":439.4,"sentiment":"neutral","sentiment_score":0.0122545063495636},{"text":"Yep.","start":440.02,"end":440.5,"sentiment":"neutral","sentiment_score":0.021294228732585907}],"sentiment":"neutral","sentiment_score":0.016774367541074753,"channel":0,"num_words":2,"start":438.9,"end":440.5},{"sentences":[{"text":"And then","start":440.155,"end":440.79498,"sentiment":"neutral","sentiment_score":0.013760433997958899}],"sentiment":"neutral","sentiment_score":0.013760433997958899,"channel":1,"num_words":2,"start":440.155,"end":440.79498},{"sentences":[{"text":"Okay.","start":440.5,"end":441.0,"sentiment":"neutral","sentiment_score":0.019321337342262268}],"sentiment":"neutral","sentiment_score":0.019321337342262268,"channel":0,"num_words":1,"start":440.5,"end":441.0},{"sentences":[{"text":"I do part time sort of PTing now and then.","start":440.79498,"end":447.13498,"sentiment":"neutral","sentiment_score":0.02343326499685645}],"sentiment":"neutral","sentiment_score":0.02343326499685645,"channel":1,"num_words":10,"start":440.79498,"end":447.13498},{"sentences":[{"text":"Okay.","start":447.94,"end":448.44,"sentiment":"neutral","sentiment_score":0.020117003470659256},{"text":"Right.","start":448.5,"end":448.74,"sentiment":"neutral","sentiment_score":0.016145072877407074},{"text":"And I had that that's what that figure is there.","start":448.74,"end":450.61502,"sentiment":"neutral","sentiment_score":0.003172670677304268},{"text":"It's about 14,400.","start":450.61502,"end":452.635,"sentiment":"neutral","sentiment_score":-0.0008145862569411596}],"sentiment":"neutral","sentiment_score":0.004369668290019035,"channel":0,"num_words":15,"start":447.94,"end":452.635},{"sentences":[{"text":"For","start":454.29,"end":454.79,"sentiment":"neutral","sentiment_score":-0.01484740525484085}],"sentiment":"neutral","sentiment_score":-0.01484740525484085,"channel":1,"num_words":1,"start":454.29,"end":454.79},{"sentences":[{"text":"A year?","start":454.295,"end":454.95502,"sentiment":"neutral","sentiment_score":-0.011919363867491484}],"sentiment":"neutral","sentiment_score":-0.011919363867491484,"channel":0,"num_words":2,"start":454.295,"end":454.95502},{"sentences":[{"text":"the PT, no.","start":455.01,"end":456.13,"sentiment":"neutral","sentiment_score":-0.028638392065962155},{"text":"It wouldn't","start":456.13,"end":456.53,"sentiment":"neutral","sentiment_score":-0.031142794527113438}],"sentiment":"neutral","sentiment_score":-0.02964015305042267,"channel":1,"num_words":5,"start":455.01,"end":456.53},{"sentences":[{"text":"Yes.","start":456.45502,"end":456.95502,"sentiment":"neutral","sentiment_score":-0.028317108750343323}],"sentiment":"neutral","sentiment_score":-0.028317108750343323,"channel":0,"num_words":1,"start":456.45502,"end":456.95502},{"sentences":[{"text":"be that much.","start":456.53,"end":457.43002,"sentiment":"neutral","sentiment_score":-0.03537562241156896}],"sentiment":"neutral","sentiment_score":-0.03537562241156896,"channel":1,"num_words":3,"start":456.53,"end":457.43002},{"sentences":[{"text":"No.","start":458.05502,"end":458.55502,"sentiment":"neutral","sentiment_score":-0.05323504656553269},{"text":"Do","start":458.77502,"end":459.015,"sentiment":"neutral","sentiment_score":-0.03774998337030411}],"sentiment":"neutral","sentiment_score":-0.045492514967918396,"channel":0,"num_words":2,"start":458.05502,"end":459.015},{"sentences":[{"text":"Oh,","start":458.85,"end":459.09,"sentiment":"neutral","sentiment_score":-0.047056302428245544}],"sentiment":"neutral","sentiment_score":-0.047056302428245544,"channel":1,"num_words":1,"start":458.85,"end":459.09},{"sentences":[{"text":"you","start":459.015,"end":459.095,"sentiment":"neutral","sentiment_score":-0.05341383442282677}],"sentiment":"neutral","sentiment_score":-0.05341383442282677,"channel":0,"num_words":1,"start":459.015,"end":459.095},{"sentences":[{"text":"I","start":459.09,"end":459.17,"sentiment":"neutral","sentiment_score":-0.05483342334628105}],"sentiment":"neutral","sentiment_score":-0.05483342334628105,"channel":1,"num_words":1,"start":459.09,"end":459.17},{"sentences":[{"text":"have","start":459.095,"end":459.415,"sentiment":"neutral","sentiment_score":-0.04835569113492966}],"sentiment":"neutral","sentiment_score":-0.04835569113492966,"channel":0,"num_words":1,"start":459.095,"end":459.415},{"sentences":[{"text":"don't know.","start":459.17,"end":459.65002,"sentiment":"neutral","sentiment_score":-0.05102748051285744}],"sentiment":"neutral","sentiment_score":-0.05102748051285744,"channel":1,"num_words":2,"start":459.17,"end":459.65002},{"sentences":[{"text":"any","start":459.415,"end":459.73502,"sentiment":"neutral","sentiment_score":-0.027903158217668533}],"sentiment":"neutral","sentiment_score":-0.027903158217668533,"channel":0,"num_words":1,"start":459.415,"end":459.73502},{"sentences":[{"text":"Maybe.","start":459.65002,"end":460.15002,"sentiment":"neutral","sentiment_score":-0.038500383496284485},{"text":"Yeah.","start":461.01,"end":461.41,"sentiment":"neutral","sentiment_score":-0.02011123299598694},{"text":"I guess keep that.","start":461.41,"end":462.69,"sentiment":"neutral","sentiment_score":-0.028819503262639046},{"text":"I guess so.","start":462.69,"end":463.41,"sentiment":"neutral","sentiment_score":-0.02170822521050771}],"sentiment":"neutral","sentiment_score":-0.026557145019372303,"channel":1,"num_words":9,"start":459.65002,"end":463.41},{"sentences":[{"text":"yep.","start":463.33502,"end":463.83502,"sentiment":"neutral","sentiment_score":-0.0009359411778859794}],"sentiment":"neutral","sentiment_score":-0.0009359411778859794,"channel":0,"num_words":1,"start":463.33502,"end":463.83502},{"sentences":[{"text":"Yeah.","start":463.41,"end":463.91,"sentiment":"neutral","sentiment_score":0.005155066028237343}],"sentiment":"neutral","sentiment_score":0.005155066028237343,"channel":1,"num_words":1,"start":463.41,"end":463.91},{"sentences":[{"text":"Okay.","start":464.45502,"end":464.95502,"sentiment":"neutral","sentiment_score":0.004090800881385803},{"text":"Okay.","start":465.66998,"end":466.16998,"sentiment":"neutral","sentiment_score":0.0009084036573767662},{"text":"And that says a personal trainer?","start":468.71,"end":471.05,"sentiment":"neutral","sentiment_score":0.0018993640939394634}],"sentiment":"neutral","sentiment_score":0.0020494236377999187,"channel":0,"num_words":8,"start":464.45502,"end":471.05},{"sentences":[{"text":"Yes.","start":472.505,"end":473.005,"sentiment":"neutral","sentiment_score":0.0052784159779548645}],"sentiment":"neutral","sentiment_score":0.0052784159779548645,"channel":1,"num_words":1,"start":472.505,"end":473.005},{"sentences":[{"text":"Or a bookkeeper.","start":472.62997,"end":473.37,"sentiment":"neutral","sentiment_score":0.011755280817548433},{"text":"Yeah.","start":473.50998,"end":473.75,"sentiment":"neutral","sentiment_score":0.022488320246338844},{"text":"Yeah.","start":473.75,"end":473.99,"sentiment":"neutral","sentiment_score":0.03890872001647949},{"text":"Okay.","start":473.99,"end":474.49,"sentiment":"neutral","sentiment_score":0.08328697085380554},{"text":"Beautiful.","start":475.43,"end":475.93,"sentiment":"neutral","sentiment_score":0.18654441833496097}],"sentiment":"neutral","sentiment_score":0.05235632455774716,"channel":0,"num_words":7,"start":472.62997,"end":475.93},{"sentences":[{"text":"Alright.","start":478.515,"end":479.015,"sentiment":"neutral","sentiment_score":0.04996317625045776},{"text":"So you're not making any additional contributions to super besides the 12%.","start":480.355,"end":484.835,"sentiment":"neutral","sentiment_score":-0.01475285030513381},{"text":"Is that right?","start":484.835,"end":485.73502,"sentiment":"neutral","sentiment_score":-0.0010295218477646515}],"sentiment":"neutral","sentiment_score":-0.008134974559652619,"channel":0,"num_words":16,"start":478.515,"end":485.73502},{"sentences":[{"text":"Yeah.","start":486.15,"end":486.63,"sentiment":"neutral","sentiment_score":-0.026676926761865616},{"text":"No.","start":486.63,"end":487.13,"sentiment":"neutral","sentiment_score":-0.08017434179782867}],"sentiment":"neutral","sentiment_score":-0.053425634279847145,"channel":1,"num_words":2,"start":486.15,"end":487.13},{"sentences":[{"text":"No.","start":487.95502,"end":488.195,"sentiment":"neutral","sentiment_score":-0.07037004828453064},{"text":"That's okay.","start":488.195,"end":489.015,"sentiment":"neutral","sentiment_score":-0.03042734321206808},{"text":"These are just little questions I've just run through to check.","start":490.195,"end":493.61002,"sentiment":"neutral","sentiment_score":-0.0016268404962664301}],"sentiment":"neutral","sentiment_score":-0.010651427154828395,"channel":0,"num_words":14,"start":487.95502,"end":493.61002},{"sentences":[{"text":"Yep.","start":494.30502,"end":494.80502,"sentiment":"neutral","sentiment_score":0.022873055189847943}],"sentiment":"neutral","sentiment_score":0.022873055189847943,"channel":1,"num_words":1,"start":494.30502,"end":494.80502},{"sentences":[{"text":"And we have a motor vehicle, a Toyota Kluger, valued at about 20,000.","start":495.59003,"end":500.01,"sentiment":"neutral","sentiment_score":0.016704946326521728}],"sentiment":"neutral","sentiment_score":0.016704946326521728,"channel":0,"num_words":13,"start":495.59003,"end":500.01},{"sentences":[{"text":"Yes.","start":501.905,"end":502.405,"sentiment":"neutral","sentiment_score":0.01661461591720581},{"text":"I guess so.","start":502.465,"end":503.745,"sentiment":"neutral","sentiment_score":0.003192729209937776},{"text":"I wouldn't know the value of it now.","start":503.745,"end":505.98502,"sentiment":"neutral","sentiment_score":-0.14167741034179926},{"text":"Hang on.","start":505.98502,"end":506.545,"sentiment":"neutral","sentiment_score":-0.014325536089017987},{"text":"Toyota Kluger '2 thousand and fourteen Grand Bay.","start":506.545,"end":513.29004,"sentiment":"neutral","sentiment_score":0.009704834781587124}],"sentiment":"neutral","sentiment_score":-0.048101766959668814,"channel":1,"num_words":22,"start":501.905,"end":513.29004},{"sentences":[{"text":"What are they selling for?","start":516.95,"end":518.97003,"sentiment":"neutral","sentiment_score":-0.013540549203753471},{"text":"Oh, still in the twenties.","start":522.265,"end":524.045,"sentiment":"neutral","sentiment_score":-0.02366418354213238},{"text":"But yeah.","start":524.185,"end":524.745,"sentiment":"neutral","sentiment_score":-0.0010144212283194065},{"text":"Yeah.","start":524.745,"end":524.90497,"sentiment":"neutral","sentiment_score":0.015342459082603456},{"text":"That's right.","start":524.90497,"end":525.545,"sentiment":"neutral","sentiment_score":0.03509603068232536}],"sentiment":"neutral","sentiment_score":-0.006834532382587592,"channel":1,"num_words":15,"start":516.95,"end":525.545},{"sentences":[{"text":"So about $2,023,000.","start":525.545,"end":527.325,"sentiment":"neutral","sentiment_score":0.03341470534602801},{"text":"Perfect.","start":527.545,"end":528.045,"sentiment":"positive","sentiment_score":0.669185996055603}],"sentiment":"neutral","sentiment_score":0.19235752802342176,"channel":1,"num_words":4,"start":525.545,"end":528.045},{"sentences":[{"text":"Fantastic.","start":528.23,"end":528.73,"sentiment":"positive","sentiment_score":0.7610405683517456},{"text":"That's great.","start":529.58997,"end":530.47,"sentiment":"positive","sentiment_score":0.7633538246154785},{"text":"Thank you.","start":530.47,"end":531.20996,"sentiment":"positive","sentiment_score":0.6542347073554993},{"text":"Any other asset or liabilities that you can think","start":531.82996,"end":534.885,"sentiment":"neutral","sentiment_score":0.061467104901870094}],"sentiment":"neutral","sentiment_score":0.2963872554578951,"channel":0,"num_words":14,"start":528.23,"end":534.885},{"sentences":[{"text":"You've got the credit card.","start":537.2,"end":539.3,"sentiment":"neutral","sentiment_score":-0.00766558051109314},{"text":"My husband has an old work debt of 17,000.","start":540.8,"end":545.14,"sentiment":"neutral","sentiment_score":-0.04926213911838002}],"sentiment":"neutral","sentiment_score":-0.034406225330063274,"channel":1,"num_words":14,"start":537.2,"end":545.14},{"sentences":[{"text":"of?","start":546.325,"end":546.825,"sentiment":"neutral","sentiment_score":-0.024891361594200134},{"text":"Okay.","start":546.885,"end":547.385,"sentiment":"neutral","sentiment_score":-0.02187933772802353},{"text":"Is that tax?","start":547.525,"end":548.63,"sentiment":"neutral","sentiment_score":-0.029002200191219647},{"text":"Or","start":548.63,"end":549.13,"sentiment":"neutral","sentiment_score":-0.039282601326704025}],"sentiment":"neutral","sentiment_score":-0.028843316870431106,"channel":0,"num_words":6,"start":546.325,"end":549.13},{"sentences":[{"text":"It was an overdraft that he got from the ANZ Bank and","start":549.205,"end":553.625,"sentiment":"neutral","sentiment_score":-0.03301489477356275}],"sentiment":"neutral","sentiment_score":-0.03301489477356275,"channel":1,"num_words":12,"start":549.205,"end":553.625},{"sentences":[{"text":"okay.","start":553.59,"end":554.09,"sentiment":"neutral","sentiment_score":-0.018843047320842743}],"sentiment":"neutral","sentiment_score":-0.018843047320842743,"channel":0,"num_words":1,"start":553.59,"end":554.09},{"sentences":[{"text":"or that his dad passed on to him when he took over the business, and he never managed it well.","start":554.165,"end":559.765,"sentiment":"neutral","sentiment_score":-0.08306375239044428},{"text":"So we're now","start":559.765,"end":561.545,"sentiment":"neutral","sentiment_score":-0.0035638466166953244}],"sentiment":"neutral","sentiment_score":-0.07269419946343354,"channel":1,"num_words":23,"start":554.165,"end":561.545},{"sentences":[{"text":"Yeah.","start":561.19,"end":561.555,"sentiment":"neutral","sentiment_score":0.014395346865057944}],"sentiment":"neutral","sentiment_score":0.014395346865057944,"channel":0,"num_words":1,"start":561.19,"end":561.555},{"sentences":[{"text":"trying to pay that down as well.","start":561.85,"end":563.37,"sentiment":"neutral","sentiment_score":0.03985793675695147},{"text":"So, yes, that's another lovely debt we have from him.","start":563.37,"end":566.59,"sentiment":"positive","sentiment_score":0.42754964381456373}],"sentiment":"neutral","sentiment_score":0.2679118820849587,"channel":1,"num_words":17,"start":561.85,"end":566.59},{"sentences":[{"text":"Okay.","start":566.515,"end":567.015,"sentiment":"neutral","sentiment_score":0.04123586416244507},{"text":"And that was 17,000, you said?","start":567.635,"end":570.21497,"sentiment":"neutral","sentiment_score":0.020447978749871254}],"sentiment":"neutral","sentiment_score":0.02341767666595323,"channel":0,"num_words":7,"start":566.515,"end":570.21497},{"sentences":[{"text":"Put 18 just in case.","start":571.21,"end":573.23,"sentiment":"neutral","sentiment_score":0.005487754940986633}],"sentiment":"neutral","sentiment_score":0.005487754940986633,"channel":1,"num_words":5,"start":571.21,"end":573.23},{"sentences":[{"text":"18?","start":572.835,"end":573.335,"sentiment":"neutral","sentiment_score":0.007806024514138699}],"sentiment":"neutral","sentiment_score":0.007806024514138699,"channel":0,"num_words":1,"start":572.835,"end":573.335},{"sentences":[{"text":"Yeah.","start":573.77,"end":574.27,"sentiment":"neutral","sentiment_score":0.014780139550566672}],"sentiment":"neutral","sentiment_score":0.014780139550566672,"channel":1,"num_words":1,"start":573.77,"end":574.27},{"sentences":[{"text":"Yeah.","start":573.795,"end":574.29,"sentiment":"neutral","sentiment_score":0.01401189249008894},{"text":"And how much","start":574.44995,"end":575.17,"sentiment":"neutral","sentiment_score":0.0015359058355291684}],"sentiment":"neutral","sentiment_score":0.004654902499169111,"channel":0,"num_words":4,"start":573.795,"end":575.17},{"sentences":[{"text":"Okay.","start":574.89,"end":575.39,"sentiment":"neutral","sentiment_score":0.000941799022257328}],"sentiment":"neutral","sentiment_score":0.000941799022257328,"channel":1,"num_words":1,"start":574.89,"end":575.39},{"sentences":[{"text":"do you pay off that regularly?","start":575.17,"end":576.55,"sentiment":"neutral","sentiment_score":-0.005519449866066377}],"sentiment":"neutral","sentiment_score":-0.005519449866066377,"channel":0,"num_words":6,"start":575.17,"end":576.55},{"sentences":[{"text":"Well, the new so he he kind of went into liquidation, and we had the new the guy that's been working for seventeen years came on board as well.","start":577.745,"end":587.025,"sentiment":"neutral","sentiment_score":-0.04033825511177038},{"text":"So they restarted the business.","start":587.025,"end":589.365,"sentiment":"neutral","sentiment_score":0.016929683461785316},{"text":"So the new business is kind of paying it off because it was still for the old debt, and that they're kinda paying $200 here and there.","start":589.77,"end":597.37006,"sentiment":"neutral","sentiment_score":-0.04200553604298168},{"text":"So it's coming out of the business one.","start":597.37006,"end":600.19,"sentiment":"neutral","sentiment_score":-0.022289308020845056}],"sentiment":"neutral","sentiment_score":-0.03474818722115479,"channel":1,"num_words":69,"start":577.745,"end":600.19},{"sentences":[{"text":"Okay.","start":601.16504,"end":601.47,"sentiment":"neutral","sentiment_score":-0.026133647188544273},{"text":"So","start":601.94995,"end":602.35,"sentiment":"neutral","sentiment_score":-0.05647420883178711}],"sentiment":"neutral","sentiment_score":-0.04130392801016569,"channel":0,"num_words":2,"start":601.16504,"end":602.35},{"sentences":[{"text":"Not really us,","start":602.25,"end":603.61005,"sentiment":"neutral","sentiment_score":-0.11203566938638687}],"sentiment":"neutral","sentiment_score":-0.11203566938638687,"channel":1,"num_words":3,"start":602.25,"end":603.61005},{"sentences":[{"text":"Not not","start":603.14996,"end":603.79,"sentiment":"neutral","sentiment_score":-0.19182812422513962}],"sentiment":"neutral","sentiment_score":-0.19182812422513962,"channel":0,"num_words":2,"start":603.14996,"end":603.79},{"sentences":[{"text":"our","start":603.61005,"end":603.85004,"sentiment":"neutral","sentiment_score":-0.24390879273414612}],"sentiment":"neutral","sentiment_score":-0.24390879273414612,"channel":1,"num_words":1,"start":603.61005,"end":603.85004},{"sentences":[{"text":"out","start":603.79,"end":604.02997,"sentiment":"neutral","sentiment_score":-0.2723842263221741}],"sentiment":"neutral","sentiment_score":-0.2723842263221741,"channel":0,"num_words":1,"start":603.79,"end":604.02997},{"sentences":[{"text":"pocket.","start":603.85004,"end":604.245,"sentiment":"neutral","sentiment_score":-0.19818581640720367}],"sentiment":"neutral","sentiment_score":-0.19818581640720367,"channel":1,"num_words":1,"start":603.85004,"end":604.245},{"sentences":[{"text":"of your personal.","start":604.02997,"end":605.00995,"sentiment":"neutral","sentiment_score":-0.15027573704719543},{"text":"No.","start":605.31,"end":605.81,"sentiment":"neutral","sentiment_score":-0.10391263663768768},{"text":"Okay.","start":605.87,"end":606.37,"sentiment":"neutral","sentiment_score":-0.05308333039283752},{"text":"Alright.","start":608.11,"end":608.61,"sentiment":"neutral","sentiment_score":-0.03554521128535271},{"text":"Have you ever been declared bankrupt or had","start":609.31,"end":611.62994,"sentiment":"neutral","sentiment_score":-0.06320310803130269}],"sentiment":"neutral","sentiment_score":-0.08207094669342041,"channel":0,"num_words":14,"start":604.02997,"end":611.62994},{"sentences":[{"text":"No.","start":611.525,"end":612.025,"sentiment":"neutral","sentiment_score":-0.07764402031898499}],"sentiment":"neutral","sentiment_score":-0.07764402031898499,"channel":1,"num_words":1,"start":611.525,"end":612.025},{"sentences":[{"text":"a debt agreement?","start":611.62994,"end":612.52997,"sentiment":"neutral","sentiment_score":-0.10025574763615926}],"sentiment":"neutral","sentiment_score":-0.10025574763615926,"channel":0,"num_words":3,"start":611.62994,"end":612.52997},{"sentences":[{"text":"No.","start":613.205,"end":613.705,"sentiment":"neutral","sentiment_score":-0.10113471746444702}],"sentiment":"neutral","sentiment_score":-0.10113471746444702,"channel":1,"num_words":1,"start":613.205,"end":613.705},{"sentences":[{"text":"No.","start":614.50995,"end":615.00995,"sentiment":"neutral","sentiment_score":-0.0845150277018547},{"text":"And I have you here as a nonsmoker.","start":615.38995,"end":617.695,"sentiment":"neutral","sentiment_score":-0.052473475923761725},{"text":"Is that right?","start":617.995,"end":618.975,"sentiment":"neutral","sentiment_score":-0.021151280030608177}],"sentiment":"neutral","sentiment_score":-0.04731305626531442,"channel":0,"num_words":12,"start":614.50995,"end":618.975},{"sentences":[{"text":"Yes.","start":619.62,"end":620.12,"sentiment":"neutral","sentiment_score":-0.002965589053928852}],"sentiment":"neutral","sentiment_score":-0.002965589053928852,"channel":1,"num_words":1,"start":619.62,"end":620.12},{"sentences":[{"text":"Yeah.","start":620.71497,"end":621.21497,"sentiment":"neutral","sentiment_score":-0.011494121514260767},{"text":"And do you have any significant health issues or take any medication?","start":621.27496,"end":624.89496,"sentiment":"neutral","sentiment_score":-0.06456226762384176}],"sentiment":"neutral","sentiment_score":-0.06048010253848938,"channel":0,"num_words":13,"start":620.71497,"end":624.89496},{"sentences":[{"text":"No.","start":626.5,"end":627.0,"sentiment":"neutral","sentiment_score":-0.08207830786705017},{"text":"Just the standard supplements and things.","start":627.06,"end":629.64,"sentiment":"neutral","sentiment_score":-0.056947872042655945}],"sentiment":"neutral","sentiment_score":-0.06053793430328369,"channel":1,"num_words":7,"start":626.5,"end":629.64},{"sentences":[{"text":"Yeah.","start":629.755,"end":630.15,"sentiment":"neutral","sentiment_score":0.0035534854978322983},{"text":"Yeah.","start":630.63,"end":631.13,"sentiment":"neutral","sentiment_score":0.01114323642104864},{"text":"That's","start":631.51,"end":632.01,"sentiment":"neutral","sentiment_score":0.009052645415067673}],"sentiment":"neutral","sentiment_score":0.00791645577798287,"channel":0,"num_words":3,"start":629.755,"end":632.01},{"sentences":[{"text":"All the stuff that you see on that'll help.","start":631.77997,"end":634.59503,"sentiment":"neutral","sentiment_score":0.025864985667996936},{"text":"So, you know, I think it's creatine and collagen","start":634.59503,"end":637.575,"sentiment":"neutral","sentiment_score":-0.018466135279999837}],"sentiment":"neutral","sentiment_score":0.0036994251939985487,"channel":1,"num_words":18,"start":631.77997,"end":637.575},{"sentences":[{"text":"yep.","start":639.11005,"end":639.61005,"sentiment":"neutral","sentiment_score":-0.041585084050893784}],"sentiment":"neutral","sentiment_score":-0.041585084050893784,"channel":0,"num_words":1,"start":639.11005,"end":639.61005},{"sentences":[{"text":"and age,","start":639.47504,"end":640.195,"sentiment":"neutral","sentiment_score":-0.03928552381694317}],"sentiment":"neutral","sentiment_score":-0.03928552381694317,"channel":1,"num_words":2,"start":639.47504,"end":640.195},{"sentences":[{"text":"I understand.","start":639.75,"end":640.49005,"sentiment":"neutral","sentiment_score":-0.037690186873078346}],"sentiment":"neutral","sentiment_score":-0.037690186873078346,"channel":0,"num_words":2,"start":639.75,"end":640.49005},{"sentences":[{"text":"like","start":640.195,"end":640.35504,"sentiment":"neutral","sentiment_score":-0.026619646698236465}],"sentiment":"neutral","sentiment_score":-0.026619646698236465,"channel":1,"num_words":1,"start":640.195,"end":640.35504},{"sentences":[{"text":"Do you have a will and a power of attorney?","start":645.92505,"end":648.745,"sentiment":"neutral","sentiment_score":-0.04722330197691917}],"sentiment":"neutral","sentiment_score":-0.04722330197691917,"channel":0,"num_words":10,"start":645.92505,"end":648.745},{"sentences":[{"text":"We have a widow from when Kobe was first born, and","start":650.25,"end":654.35004,"sentiment":"neutral","sentiment_score":-0.050038729878989135}],"sentiment":"neutral","sentiment_score":-0.050038729878989135,"channel":1,"num_words":11,"start":650.25,"end":654.35004},{"sentences":[{"text":"Yes?","start":654.085,"end":654.585,"sentiment":"neutral","sentiment_score":-0.022241849452257156}],"sentiment":"neutral","sentiment_score":-0.022241849452257156,"channel":0,"num_words":1,"start":654.085,"end":654.585},{"sentences":[{"text":"it needs to be updated.","start":654.41003,"end":655.95,"sentiment":"neutral","sentiment_score":-0.118851088732481},{"text":"But it's one of those things I'm always gonna get to it and haven't, but I'd love","start":656.09,"end":661.115,"sentiment":"neutral","sentiment_score":-0.07788412645459175}],"sentiment":"neutral","sentiment_score":-0.08719479969956657,"channel":1,"num_words":22,"start":654.41003,"end":661.115},{"sentences":[{"text":"I understand.","start":662.4,"end":663.22003,"sentiment":"neutral","sentiment_score":0.12406843900680542},{"text":"I understand.","start":663.52,"end":664.26,"sentiment":"neutral","sentiment_score":0.061817020177841187},{"text":"What I can do, if you like, is I can send you just through","start":664.64,"end":667.2,"sentiment":"neutral","sentiment_score":0.08882992395332881}],"sentiment":"neutral","sentiment_score":0.08974388076199426,"channel":0,"num_words":18,"start":662.4,"end":667.2},{"sentences":[{"text":"to.","start":667.0725,"end":667.5725,"sentiment":"neutral","sentiment_score":0.07885381579399109}],"sentiment":"neutral","sentiment_score":0.07885381579399109,"channel":1,"num_words":1,"start":667.0725,"end":667.5725},{"sentences":[{"text":"a brochure for someone that we partner with.","start":667.2,"end":670.96,"sentiment":"neutral","sentiment_score":0.1275824597105384},{"text":"They're very reasonably priced compared to what I've seen","start":670.96,"end":674.26,"sentiment":"positive","sentiment_score":0.4582914710044861}],"sentiment":"neutral","sentiment_score":0.3026637009838048,"channel":0,"num_words":17,"start":667.2,"end":674.26},{"sentences":[{"text":"Okay.","start":674.01,"end":674.51,"sentiment":"neutral","sentiment_score":0.12199728190898897}],"sentiment":"neutral","sentiment_score":0.12199728190898897,"channel":1,"num_words":1,"start":674.01,"end":674.51},{"sentences":[{"text":"in my time when you see lawyers charge for these.","start":674.32,"end":678.695,"sentiment":"neutral","sentiment_score":0.03803283795714378}],"sentiment":"neutral","sentiment_score":0.03803283795714378,"channel":0,"num_words":10,"start":674.32,"end":678.695},{"sentences":[{"text":"Yes.","start":679.29004,"end":679.79004,"sentiment":"neutral","sentiment_score":0.09027702361345293}],"sentiment":"neutral","sentiment_score":0.09027702361345293,"channel":1,"num_words":1,"start":679.29004,"end":679.79004},{"sentences":[{"text":"It might be that it's a very simple will that just needs to be replaced,","start":680.435,"end":685.335,"sentiment":"neutral","sentiment_score":0.03650332552691301}],"sentiment":"neutral","sentiment_score":0.03650332552691301,"channel":0,"num_words":15,"start":680.435,"end":685.335},{"sentences":[{"text":"Yes.","start":686.15497,"end":686.65497,"sentiment":"neutral","sentiment_score":0.15030501782894137}],"sentiment":"neutral","sentiment_score":0.15030501782894137,"channel":1,"num_words":1,"start":686.15497,"end":686.65497},{"sentences":[{"text":"but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide,","start":686.35504,"end":692.69,"sentiment":"neutral","sentiment_score":0.2611409956994264}],"sentiment":"neutral","sentiment_score":0.2611409956994264,"channel":0,"num_words":23,"start":686.35504,"end":692.69},{"sentences":[{"text":"I can.","start":693.275,"end":693.935,"sentiment":"neutral","sentiment_score":0.30125461518764496}],"sentiment":"neutral","sentiment_score":0.30125461518764496,"channel":1,"num_words":2,"start":693.275,"end":693.935},{"sentences":[{"text":"and it's pretty straightforward.","start":693.79,"end":696.35004,"sentiment":"positive","sentiment_score":0.4399414360523224},{"text":"You can do it all virtually like we do.","start":696.35004,"end":698.53,"sentiment":"positive","sentiment_score":0.4334150486522251},{"text":"And it's it's usually a pretty quick process if you wanna look into that, which","start":700.03,"end":705.395,"sentiment":"neutral","sentiment_score":0.1916018490990003}],"sentiment":"neutral","sentiment_score":0.30480460423444,"channel":0,"num_words":28,"start":693.79,"end":705.395},{"sentences":[{"text":"Okay.","start":705.38,"end":705.7,"sentiment":"neutral","sentiment_score":0.08493119478225708}],"sentiment":"neutral","sentiment_score":0.08493119478225708,"channel":1,"num_words":1,"start":705.38,"end":705.7},{"sentences":[{"text":"we would","start":705.395,"end":705.875,"sentiment":"neutral","sentiment_score":0.04902462475001812}],"sentiment":"neutral","sentiment_score":0.04902462475001812,"channel":0,"num_words":2,"start":705.395,"end":705.875},{"sentences":[{"text":"Yeah.","start":705.7,"end":705.94,"sentiment":"neutral","sentiment_score":0.05814678966999054}],"sentiment":"neutral","sentiment_score":0.05814678966999054,"channel":1,"num_words":1,"start":705.7,"end":705.94},{"sentences":[{"text":"definite","start":705.875,"end":706.355,"sentiment":"neutral","sentiment_score":0.0416521392762661}],"sentiment":"neutral","sentiment_score":0.0416521392762661,"channel":0,"num_words":1,"start":705.875,"end":706.355},{"sentences":[{"text":"I think it's always","start":705.94,"end":706.82,"sentiment":"neutral","sentiment_score":0.03185518458485603}],"sentiment":"neutral","sentiment_score":0.03185518458485603,"channel":1,"num_words":4,"start":705.94,"end":706.82},{"sentences":[{"text":"at least","start":706.59503,"end":706.995,"sentiment":"neutral","sentiment_score":0.0026126466691493997}],"sentiment":"neutral","sentiment_score":0.0026126466691493997,"channel":0,"num_words":2,"start":706.59503,"end":706.995},{"sentences":[{"text":"been","start":706.82,"end":707.32,"sentiment":"neutral","sentiment_score":0.04381078854203224}],"sentiment":"neutral","sentiment_score":0.04381078854203224,"channel":1,"num_words":1,"start":706.82,"end":707.32},{"sentences":[{"text":"you've got","start":706.995,"end":707.47504,"sentiment":"neutral","sentiment_score":0.02628839761018753}],"sentiment":"neutral","sentiment_score":0.02628839761018753,"channel":0,"num_words":2,"start":706.995,"end":707.47504},{"sentences":[{"text":"money","start":707.38,"end":707.78,"sentiment":"neutral","sentiment_score":0.03359759598970413}],"sentiment":"neutral","sentiment_score":0.03359759598970413,"channel":1,"num_words":1,"start":707.38,"end":707.78},{"sentences":[{"text":"a will.","start":707.47504,"end":708.135,"sentiment":"neutral","sentiment_score":0.011655044741928577}],"sentiment":"neutral","sentiment_score":0.011655044741928577,"channel":0,"num_words":2,"start":707.47504,"end":708.135},{"sentences":[{"text":"thing.","start":707.78,"end":708.28,"sentiment":"neutral","sentiment_score":0.003193700686097145}],"sentiment":"neutral","sentiment_score":0.003193700686097145,"channel":1,"num_words":1,"start":707.78,"end":708.28},{"sentences":[{"text":"Yeah.","start":709.075,"end":709.575,"sentiment":"neutral","sentiment_score":0.016524063423275948}],"sentiment":"neutral","sentiment_score":0.016524063423275948,"channel":0,"num_words":1,"start":709.075,"end":709.575},{"sentences":[{"text":"Yeah.","start":709.30005,"end":709.7,"sentiment":"neutral","sentiment_score":0.016570495441555977},{"text":"Yeah.","start":709.7,"end":709.94,"sentiment":"neutral","sentiment_score":0.014132970944046974},{"text":"But","start":709.94,"end":710.18,"sentiment":"neutral","sentiment_score":-0.008929010480642319}],"sentiment":"neutral","sentiment_score":0.0072581519683202105,"channel":1,"num_words":3,"start":709.30005,"end":710.18},{"sentences":[{"text":"At","start":710.115,"end":710.195,"sentiment":"neutral","sentiment_score":-0.04127245768904686}],"sentiment":"neutral","sentiment_score":-0.04127245768904686,"channel":0,"num_words":1,"start":710.115,"end":710.195},{"sentences":[{"text":"I","start":710.18,"end":710.26,"sentiment":"neutral","sentiment_score":-0.05096249282360077}],"sentiment":"neutral","sentiment_score":-0.05096249282360077,"channel":1,"num_words":1,"start":710.18,"end":710.26},{"sentences":[{"text":"at","start":710.195,"end":710.355,"sentiment":"neutral","sentiment_score":-0.0675668865442276}],"sentiment":"neutral","sentiment_score":-0.0675668865442276,"channel":0,"num_words":1,"start":710.195,"end":710.355},{"sentences":[{"text":"don't","start":710.26,"end":710.5,"sentiment":"neutral","sentiment_score":-0.06958666443824768}],"sentiment":"neutral","sentiment_score":-0.06958666443824768,"channel":1,"num_words":1,"start":710.26,"end":710.5},{"sentences":[{"text":"least","start":710.355,"end":710.59503,"sentiment":"neutral","sentiment_score":-0.09745015949010848}],"sentiment":"neutral","sentiment_score":-0.09745015949010848,"channel":0,"num_words":1,"start":710.355,"end":710.59503},{"sentences":[{"text":"know","start":710.5,"end":710.66003,"sentiment":"neutral","sentiment_score":-0.05770721286535263}],"sentiment":"neutral","sentiment_score":-0.05770721286535263,"channel":1,"num_words":1,"start":710.5,"end":710.66003},{"sentences":[{"text":"you've","start":710.59503,"end":710.835,"sentiment":"neutral","sentiment_score":-0.05689450353384018}],"sentiment":"neutral","sentiment_score":-0.05689450353384018,"channel":0,"num_words":1,"start":710.59503,"end":710.835},{"sentences":[{"text":"how","start":710.66003,"end":710.82,"sentiment":"neutral","sentiment_score":-0.051790036261081696}],"sentiment":"neutral","sentiment_score":-0.051790036261081696,"channel":1,"num_words":1,"start":710.66003,"end":710.82},{"sentences":[{"text":"got one.","start":710.835,"end":711.495,"sentiment":"neutral","sentiment_score":-0.04622810147702694}],"sentiment":"neutral","sentiment_score":-0.04622810147702694,"channel":0,"num_words":2,"start":710.835,"end":711.495},{"sentences":[{"text":"that's true.","start":711.62,"end":712.34,"sentiment":"neutral","sentiment_score":0.001648510806262493},{"text":"I don't know how good it would be though because, yeah, like, we didn't have a house or anything when Kobe was born.","start":712.34,"end":718.825,"sentiment":"neutral","sentiment_score":-0.17964812109003897}],"sentiment":"neutral","sentiment_score":-0.16514439053833485,"channel":1,"num_words":25,"start":711.62,"end":718.825},{"sentences":[{"text":"Yeah.","start":719.75,"end":720.25,"sentiment":"neutral","sentiment_score":-0.03469713032245636},{"text":"So your","start":720.31,"end":720.63,"sentiment":"neutral","sentiment_score":-0.024869725108146667}],"sentiment":"neutral","sentiment_score":-0.028145526846249897,"channel":0,"num_words":3,"start":719.75,"end":720.63},{"sentences":[{"text":"We","start":720.565,"end":720.72504,"sentiment":"neutral","sentiment_score":-0.02969871088862419}],"sentiment":"neutral","sentiment_score":-0.02969871088862419,"channel":1,"num_words":1,"start":720.565,"end":720.72504},{"sentences":[{"text":"will","start":720.63,"end":720.95,"sentiment":"neutral","sentiment_score":-0.00718013197183609}],"sentiment":"neutral","sentiment_score":-0.00718013197183609,"channel":0,"num_words":1,"start":720.63,"end":720.95},{"sentences":[{"text":"had","start":720.72504,"end":721.04504,"sentiment":"neutral","sentiment_score":-0.03974945843219757}],"sentiment":"neutral","sentiment_score":-0.03974945843219757,"channel":1,"num_words":1,"start":720.72504,"end":721.04504},{"sentences":[{"text":"doesn't","start":720.95,"end":721.35004,"sentiment":"neutral","sentiment_score":-0.028590049594640732}],"sentiment":"neutral","sentiment_score":-0.028590049594640732,"channel":0,"num_words":1,"start":720.95,"end":721.35004},{"sentences":[{"text":"a union.","start":721.04504,"end":721.625,"sentiment":"neutral","sentiment_score":-0.04695715755224228}],"sentiment":"neutral","sentiment_score":-0.04695715755224228,"channel":1,"num_words":2,"start":721.04504,"end":721.625},{"sentences":[{"text":"actually expire or anything like that, and it doesn't deal with assets specifically.","start":721.35004,"end":727.15497,"sentiment":"neutral","sentiment_score":-0.0453121977356764},{"text":"It's more where you want your estate to go and your wealth to go in the event of your passing.","start":728.095,"end":734.675,"sentiment":"neutral","sentiment_score":0.007212062738835812},{"text":"So if it was","start":734.735,"end":736.015,"sentiment":"neutral","sentiment_score":0.005248401779681444}],"sentiment":"neutral","sentiment_score":-0.011454694828874356,"channel":0,"num_words":37,"start":721.35004,"end":736.015},{"sentences":[{"text":"I","start":735.86,"end":736.01996,"sentiment":"neutral","sentiment_score":0.005247190594673157}],"sentiment":"neutral","sentiment_score":0.005247190594673157,"channel":1,"num_words":1,"start":735.86,"end":736.01996},{"sentences":[{"text":"set","start":736.015,"end":736.175,"sentiment":"neutral","sentiment_score":0.0044909268617630005}],"sentiment":"neutral","sentiment_score":0.0044909268617630005,"channel":0,"num_words":1,"start":736.015,"end":736.175},{"sentences":[{"text":"can.","start":736.01996,"end":736.51996,"sentiment":"neutral","sentiment_score":0.009422700852155684}],"sentiment":"neutral","sentiment_score":0.009422700852155684,"channel":1,"num_words":1,"start":736.01996,"end":736.51996},{"sentences":[{"text":"up to go to Timothy, it would still go to Timothy.","start":736.175,"end":738.915,"sentiment":"neutral","sentiment_score":0.011877375400879166},{"text":"The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad.","start":739.35,"end":750.49,"sentiment":"neutral","sentiment_score":-0.1439109248359029}],"sentiment":"neutral","sentiment_score":-0.11095570747812207,"channel":0,"num_words":52,"start":736.175,"end":750.49},{"sentences":[{"text":"Uh-huh.","start":750.925,"end":751.425,"sentiment":"neutral","sentiment_score":-0.033553652465343475}],"sentiment":"neutral","sentiment_score":-0.033553652465343475,"channel":1,"num_words":1,"start":750.925,"end":751.425},{"sentences":[{"text":"Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's","start":752.635,"end":763.67505,"sentiment":"neutral","sentiment_score":0.0032870538416318595}],"sentiment":"neutral","sentiment_score":0.0032870538416318595,"channel":0,"num_words":32,"start":752.635,"end":763.67505},{"sentences":[{"text":"Yes.","start":763.66003,"end":764.16003,"sentiment":"neutral","sentiment_score":0.1052018702030182}],"sentiment":"neutral","sentiment_score":0.1052018702030182,"channel":1,"num_words":1,"start":763.66003,"end":764.16003},{"sentences":[{"text":"how how your wish is followed.","start":763.67505,"end":765.43,"sentiment":"neutral","sentiment_score":0.177718053261439},{"text":"So it's probably worth doing.","start":765.81,"end":767.73,"sentiment":"neutral","sentiment_score":0.2529813081026077},{"text":"I'll send you through that brochure anyhow so you","start":767.73,"end":770.45,"sentiment":"neutral","sentiment_score":0.17739187098211712}],"sentiment":"neutral","sentiment_score":0.19638708494603635,"channel":0,"num_words":20,"start":763.67505,"end":770.45},{"sentences":[{"text":"Okay.","start":770.325,"end":770.805,"sentiment":"neutral","sentiment_score":0.1590699851512909}],"sentiment":"neutral","sentiment_score":0.1590699851512909,"channel":1,"num_words":1,"start":770.325,"end":770.805},{"sentences":[{"text":"and Timothy","start":770.45,"end":771.09,"sentiment":"neutral","sentiment_score":0.1562303528189659}],"sentiment":"neutral","sentiment_score":0.1562303528189659,"channel":0,"num_words":2,"start":770.45,"end":771.09},{"sentences":[{"text":"Thank you.","start":770.805,"end":771.545,"sentiment":"positive","sentiment_score":0.439841091632843}],"sentiment":"positive","sentiment_score":0.439841091632843,"channel":1,"num_words":2,"start":770.805,"end":771.545},{"sentences":[{"text":"can have a look at it.","start":771.09,"end":772.39,"sentiment":"neutral","sentiment_score":0.3042176465193431}],"sentiment":"neutral","sentiment_score":0.3042176465193431,"channel":0,"num_words":6,"start":771.09,"end":772.39},{"sentences":[{"text":"Great.","start":773.205,"end":773.705,"sentiment":"positive","sentiment_score":0.3854306936264038}],"sentiment":"positive","sentiment_score":0.3854306936264038,"channel":1,"num_words":1,"start":773.205,"end":773.705},{"sentences":[{"text":"Do you have a power of attorney?","start":774.69,"end":776.31,"sentiment":"neutral","sentiment_score":0.08721584879926272}],"sentiment":"neutral","sentiment_score":0.08721584879926272,"channel":0,"num_words":7,"start":774.69,"end":776.31},{"sentences":[{"text":"No.","start":779.365,"end":779.865,"sentiment":"negative","sentiment_score":-0.36267754435539246},{"text":"Would that just","start":780.08496,"end":780.725,"sentiment":"neutral","sentiment_score":-0.24765465160210928}],"sentiment":"neutral","sentiment_score":-0.27641037479043007,"channel":1,"num_words":4,"start":779.365,"end":780.725},{"sentences":[{"text":"No?","start":780.65497,"end":781.15497,"sentiment":"neutral","sentiment_score":-0.29766911268234253}],"sentiment":"neutral","sentiment_score":-0.29766911268234253,"channel":0,"num_words":1,"start":780.65497,"end":781.15497},{"sentences":[{"text":"be my husband?","start":780.725,"end":781.705,"sentiment":"neutral","sentiment_score":-0.3276149034500122}],"sentiment":"neutral","sentiment_score":-0.3276149034500122,"channel":1,"num_words":3,"start":780.725,"end":781.705},{"sentences":[{"text":"People tend to think that that's how it works.","start":783.615,"end":786.27496,"sentiment":"neutral","sentiment_score":-0.22188086476590899},{"text":"What happens is is a power of attorney covers you if you're unable to make decisions for yourself.","start":787.695,"end":793.44,"sentiment":"neutral","sentiment_score":-0.22929490502509806},{"text":"So it might be you've suffered a medical event and you're unable to make a decision.","start":793.74,"end":800.96,"sentiment":"neutral","sentiment_score":-0.3149391692131758},{"text":"It relates to health decisions and financial decisions.","start":801.98,"end":805.2,"sentiment":"neutral","sentiment_score":-0.21111004427075386},{"text":"So","start":805.98,"end":806.48,"sentiment":"neutral","sentiment_score":-0.14347189664840698}],"sentiment":"neutral","sentiment_score":-0.24991567368404224,"channel":0,"num_words":52,"start":783.615,"end":806.48},{"sentences":[{"text":"Uh-huh.","start":806.355,"end":806.855,"sentiment":"neutral","sentiment_score":-0.237821102142334}],"sentiment":"neutral","sentiment_score":-0.237821102142334,"channel":1,"num_words":1,"start":806.355,"end":806.855},{"sentences":[{"text":"an example would be if you are unable to make a decision or or speak with us.","start":806.54,"end":813.65497,"sentiment":"negative","sentiment_score":-0.3596467323162976},{"text":"A perfect example","start":813.875,"end":814.675,"sentiment":"neutral","sentiment_score":-0.118490864833196}],"sentiment":"neutral","sentiment_score":-0.3234733521938324,"channel":0,"num_words":20,"start":806.54,"end":814.675},{"sentences":[{"text":"Yep.","start":814.36,"end":814.86,"sentiment":"neutral","sentiment_score":-0.08801665157079697}],"sentiment":"neutral","sentiment_score":-0.08801665157079697,"channel":1,"num_words":1,"start":814.36,"end":814.86},{"sentences":[{"text":"would be, and, Timothy needed to ring up and claim an insurance policy or see if he can access your super to pay for medical expenses, we're actually legally not allowed to talk to him without that document.","start":814.675,"end":831.72003,"sentiment":"neutral","sentiment_score":-0.2306681277328416}],"sentiment":"neutral","sentiment_score":-0.2306681277328416,"channel":0,"num_words":38,"start":814.675,"end":831.72003},{"sentences":[{"text":"Okay.","start":832.71497,"end":833.21497,"sentiment":"neutral","sentiment_score":-0.0482170432806015}],"sentiment":"neutral","sentiment_score":-0.0482170432806015,"channel":1,"num_words":1,"start":832.71497,"end":833.21497},{"sentences":[{"text":"Yes.","start":833.06,"end":833.56,"sentiment":"neutral","sentiment_score":-0.025649454444646835},{"text":"And the same goes for him.","start":835.775,"end":837.295,"sentiment":"neutral","sentiment_score":-0.04921913892030716},{"text":"So you wouldn't legally be able to do anything.","start":837.295,"end":840.97504,"sentiment":"neutral","sentiment_score":-0.20898802081743875},{"text":"So if if, for example,","start":840.97504,"end":842.495,"sentiment":"neutral","sentiment_score":-0.11599671840667725}],"sentiment":"neutral","sentiment_score":-0.13246857463603928,"channel":0,"num_words":21,"start":833.06,"end":842.495},{"sentences":[{"text":"Wow.","start":842.235,"end":842.735,"sentiment":"neutral","sentiment_score":-0.1733364462852478}],"sentiment":"neutral","sentiment_score":-0.1733364462852478,"channel":1,"num_words":1,"start":842.235,"end":842.735},{"sentences":[{"text":"you have in individual bank accounts, you the bank won't speak to you.","start":842.495,"end":847.74,"sentiment":"neutral","sentiment_score":-0.26000514970375943}],"sentiment":"neutral","sentiment_score":-0.26000514970375943,"channel":0,"num_words":13,"start":842.495,"end":847.74},{"sentences":[{"text":"Yeah.","start":848.85004,"end":849.25,"sentiment":"neutral","sentiment_score":-0.10824152827262878},{"text":"That's we don't have that, but I guess as far","start":849.25,"end":851.89,"sentiment":"neutral","sentiment_score":-0.16268281489610673}],"sentiment":"neutral","sentiment_score":-0.1577336070212451,"channel":1,"num_words":11,"start":848.85004,"end":851.89},{"sentences":[{"text":"Yeah.","start":851.58,"end":852.08,"sentiment":"neutral","sentiment_score":-0.06729234755039215}],"sentiment":"neutral","sentiment_score":-0.06729234755039215,"channel":0,"num_words":1,"start":851.58,"end":852.08},{"sentences":[{"text":"as other things.","start":851.89,"end":852.79004,"sentiment":"neutral","sentiment_score":-0.09520647674798965},{"text":"So I need to","start":853.17,"end":854.29004,"sentiment":"neutral","sentiment_score":-0.013330945745110512}],"sentiment":"neutral","sentiment_score":-0.048420459032058716,"channel":1,"num_words":7,"start":851.89,"end":854.29004},{"sentences":[{"text":"Yep.","start":853.89996,"end":854.39996,"sentiment":"neutral","sentiment_score":0.045241713523864746}],"sentiment":"neutral","sentiment_score":0.045241713523864746,"channel":0,"num_words":1,"start":853.89996,"end":854.39996},{"sentences":[{"text":"appoint him as my","start":854.29004,"end":855.67,"sentiment":"neutral","sentiment_score":0.05420804116874933}],"sentiment":"neutral","sentiment_score":0.05420804116874933,"channel":1,"num_words":4,"start":854.29004,"end":855.67},{"sentences":[{"text":"Power of attorney.","start":856.77997,"end":857.76,"sentiment":"neutral","sentiment_score":0.02243818591038386},{"text":"Yeah.","start":857.82,"end":858.32,"sentiment":"neutral","sentiment_score":0.008699774742126465}],"sentiment":"neutral","sentiment_score":0.01900358311831951,"channel":0,"num_words":4,"start":856.77997,"end":858.32},{"sentences":[{"text":"power of attorney.","start":858.11505,"end":858.85504,"sentiment":"neutral","sentiment_score":-0.014170239369074503},{"text":"Can you have, like, him?","start":859.075,"end":860.195,"sentiment":"neutral","sentiment_score":-0.05326605066657066},{"text":"But what if we both pass away?","start":860.195,"end":862.03503,"sentiment":"neutral","sentiment_score":-0.21635346753256662},{"text":"Would","start":862.03503,"end":862.53503,"sentiment":"neutral","sentiment_score":-0.13296958804130554}],"sentiment":"neutral","sentiment_score":-0.12226780201308429,"channel":1,"num_words":16,"start":858.11505,"end":862.53503},{"sentences":[{"text":"Now","start":862.715,"end":862.795,"sentiment":"neutral","sentiment_score":-0.14884445071220398}],"sentiment":"neutral","sentiment_score":-0.14884445071220398,"channel":0,"num_words":1,"start":862.715,"end":862.795},{"sentences":[{"text":"then","start":862.755,"end":862.99506,"sentiment":"neutral","sentiment_score":-0.12561382353305817}],"sentiment":"neutral","sentiment_score":-0.12561382353305817,"channel":1,"num_words":1,"start":862.755,"end":862.99506},{"sentences":[{"text":"well,","start":862.955,"end":863.195,"sentiment":"neutral","sentiment_score":-0.12337014079093932}],"sentiment":"neutral","sentiment_score":-0.12337014079093932,"channel":0,"num_words":1,"start":862.955,"end":863.195},{"sentences":[{"text":"you have","start":862.99506,"end":863.315,"sentiment":"neutral","sentiment_score":-0.11388047784566879}],"sentiment":"neutral","sentiment_score":-0.11388047784566879,"channel":1,"num_words":2,"start":862.99506,"end":863.315},{"sentences":[{"text":"it's","start":863.195,"end":863.435,"sentiment":"neutral","sentiment_score":-0.0954955667257309}],"sentiment":"neutral","sentiment_score":-0.0954955667257309,"channel":0,"num_words":1,"start":863.195,"end":863.435},{"sentences":[{"text":"your","start":863.315,"end":863.55505,"sentiment":"neutral","sentiment_score":-0.1174803301692009}],"sentiment":"neutral","sentiment_score":-0.1174803301692009,"channel":1,"num_words":1,"start":863.315,"end":863.55505},{"sentences":[{"text":"not","start":863.435,"end":863.755,"sentiment":"neutral","sentiment_score":-0.10911914706230164}],"sentiment":"neutral","sentiment_score":-0.10911914706230164,"channel":0,"num_words":1,"start":863.435,"end":863.755},{"sentences":[{"text":"children","start":863.55505,"end":863.955,"sentiment":"neutral","sentiment_score":-0.13858480751514435}],"sentiment":"neutral","sentiment_score":-0.13858480751514435,"channel":1,"num_words":1,"start":863.55505,"end":863.955},{"sentences":[{"text":"it's","start":863.755,"end":864.075,"sentiment":"neutral","sentiment_score":-0.1095339208841324}],"sentiment":"neutral","sentiment_score":-0.1095339208841324,"channel":0,"num_words":1,"start":863.755,"end":864.075},{"sentences":[{"text":"as","start":863.955,"end":864.11505,"sentiment":"neutral","sentiment_score":-0.11317719519138336}],"sentiment":"neutral","sentiment_score":-0.11317719519138336,"channel":1,"num_words":1,"start":863.955,"end":864.11505},{"sentences":[{"text":"not","start":864.075,"end":864.395,"sentiment":"neutral","sentiment_score":-0.09050071984529497}],"sentiment":"neutral","sentiment_score":-0.09050071984529497,"channel":0,"num_words":1,"start":864.075,"end":864.395},{"sentences":[{"text":"a backup?","start":864.11505,"end":864.695,"sentiment":"neutral","sentiment_score":-0.10848118364810944}],"sentiment":"neutral","sentiment_score":-0.10848118364810944,"channel":1,"num_words":2,"start":864.11505,"end":864.695},{"sentences":[{"text":"yeah.","start":865.435,"end":865.755,"sentiment":"neutral","sentiment_score":-0.07811883091926575},{"text":"So a power of attorney isn't really linked to passing away.","start":865.755,"end":869.115,"sentiment":"neutral","sentiment_score":-0.13615205883979797},{"text":"It's nominating somebody that you trust to make decisions on your behalf while you're alive if you are unable to do so.","start":869.115,"end":877.25,"sentiment":"neutral","sentiment_score":-0.07849157779392871},{"text":"So","start":877.25,"end":877.57,"sentiment":"neutral","sentiment_score":-0.06033884361386299}],"sentiment":"neutral","sentiment_score":-0.09608414380678108,"channel":0,"num_words":35,"start":865.435,"end":877.57},{"sentences":[{"text":"Okay.","start":877.5,"end":878.0,"sentiment":"neutral","sentiment_score":-0.09347186982631683}],"sentiment":"neutral","sentiment_score":-0.09347186982631683,"channel":1,"num_words":1,"start":877.5,"end":878.0},{"sentences":[{"text":"it could be health decisions even.","start":877.57,"end":880.47,"sentiment":"neutral","sentiment_score":-0.16723653922478357},{"text":"So an example, an absolute horrible example would be a decision to turn off life life support, or it might be that yourself or Timothy are in aged care and diagnosed with, let's just say, dementia, for example, and you're","start":881.01,"end":901.91,"sentiment":"neutral","sentiment_score":-0.28432236462831495}],"sentiment":"neutral","sentiment_score":-0.26905030044524564,"channel":0,"num_words":46,"start":877.57,"end":901.91},{"sentences":[{"text":"Mhmm.","start":901.70996,"end":902.20996,"sentiment":"neutral","sentiment_score":-0.27594709396362305}],"sentiment":"neutral","sentiment_score":-0.27594709396362305,"channel":1,"num_words":1,"start":901.70996,"end":902.20996},{"sentences":[{"text":"unable to make decisions.","start":901.91,"end":903.05,"sentiment":"negative","sentiment_score":-0.3731952831149101},{"text":"So that document would allow that person to act on your behalf.","start":903.27,"end":907.51,"sentiment":"neutral","sentiment_score":-0.08134861228366692},{"text":"So my own, for example, is my husband, and then if he's unable to act, it would be my sister.","start":907.51,"end":914.17,"sentiment":"neutral","sentiment_score":-0.11638946272432804}],"sentiment":"neutral","sentiment_score":-0.13324315928750569,"channel":0,"num_words":36,"start":901.91,"end":914.17},{"sentences":[{"text":"Okay.","start":915.065,"end":915.565,"sentiment":"neutral","sentiment_score":0.09238960593938828}],"sentiment":"neutral","sentiment_score":0.09238960593938828,"channel":1,"num_words":1,"start":915.065,"end":915.565},{"sentences":[{"text":"So you're allowed to have you can nominate several.","start":915.485,"end":919.34503,"sentiment":"neutral","sentiment_score":0.1389062578479449},{"text":"And, you know, you can even it can even get a specific to you want someone specifically to make health decision for you and someone else to make financial decisions.","start":919.885,"end":928.86,"sentiment":"neutral","sentiment_score":0.20717529232303303},{"text":"State","start":928.86,"end":929.36,"sentiment":"neutral","sentiment_score":0.05754656344652176}],"sentiment":"neutral","sentiment_score":0.1880740413442254,"channel":0,"num_words":40,"start":915.485,"end":929.36},{"sentences":[{"text":"Okay.","start":930.44995,"end":930.94995,"sentiment":"neutral","sentiment_score":0.04530446976423263}],"sentiment":"neutral","sentiment_score":0.04530446976423263,"channel":1,"num_words":1,"start":930.44995,"end":930.94995},{"sentences":[{"text":"government departments, like, public trustees.","start":933.26,"end":940.32,"sentiment":"neutral","sentiment_score":0.05533519759774208},{"text":"You can go through, like, state government departments, like, public trustees.","start":940.54,"end":947.20496,"sentiment":"neutral","sentiment_score":0.0624024397270246},{"text":"You will wait a little while likely to get in.","start":947.505,"end":950.32495,"sentiment":"neutral","sentiment_score":0.06996935345232487},{"text":"And they what typically, how they charge is a percentage from the estate, so it's free to set up.","start":951.985,"end":958.44,"sentiment":"neutral","sentiment_score":0.08744559201755021},{"text":"But they'll take a percentage of the estate when the worst does end up happening.","start":958.68,"end":965.82,"sentiment":"neutral","sentiment_score":0.03742035999894142}],"sentiment":"neutral","sentiment_score":0.06475946679711342,"channel":0,"num_words":60,"start":933.26,"end":965.82},{"sentences":[{"text":"So","start":966.2,"end":966.7,"sentiment":"neutral","sentiment_score":0.07208505272865295}],"sentiment":"neutral","sentiment_score":0.07208505272865295,"channel":0,"num_words":1,"start":966.2,"end":966.7},{"sentences":[{"text":"Mhmm.","start":966.72003,"end":967.22003,"sentiment":"neutral","sentiment_score":0.07403436303138733}],"sentiment":"neutral","sentiment_score":0.07403436303138733,"channel":1,"num_words":1,"start":966.72003,"end":967.22003},{"sentences":[{"text":"I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer.","start":966.92,"end":978.655,"sentiment":"neutral","sentiment_score":0.13801976898685098},{"text":"So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too.","start":979.035,"end":989.64,"sentiment":"neutral","sentiment_score":0.1588675208389759},{"text":"So you can have them both set up in the one with the one in the one place.","start":989.64,"end":993.58,"sentiment":"neutral","sentiment_score":0.14570144729481804}],"sentiment":"neutral","sentiment_score":0.1475660535506904,"channel":0,"num_words":80,"start":966.92,"end":993.58},{"sentences":[{"text":"Okay.","start":993.27,"end":993.77,"sentiment":"neutral","sentiment_score":0.19901250302791595},{"text":"Okay.","start":993.99,"end":994.49,"sentiment":"neutral","sentiment_score":0.2664547264575958},{"text":"Thank you.","start":994.79004,"end":995.61,"sentiment":"positive","sentiment_score":0.46279376745224}],"sentiment":"positive","sentiment_score":0.34776369109749794,"channel":1,"num_words":4,"start":993.27,"end":995.61},{"sentences":[{"text":"No.","start":996.12,"end":996.36,"sentiment":"neutral","sentiment_score":0.2187921404838562},{"text":"That's absolutely fine.","start":996.36,"end":997.74,"sentiment":"neutral","sentiment_score":0.2988308072090149},{"text":"Okay.","start":999.055,"end":999.555,"sentiment":"positive","sentiment_score":0.3443181812763214},{"text":"I'm gonna touch quickly on your goals and objectives that we have on file from last time.","start":999.775,"end":1008.675,"sentiment":"positive","sentiment_score":0.3386388368466321},{"text":"One","start":1009.535,"end":1009.775,"sentiment":"neutral","sentiment_score":0.25456616282463074}],"sentiment":"neutral","sentiment_score":0.32482735359150433,"channel":0,"num_words":23,"start":996.12,"end":1009.775},{"sentences":[{"text":"Mhmm.","start":1009.565,"end":1010.065,"sentiment":"neutral","sentiment_score":0.22585640847682953}],"sentiment":"neutral","sentiment_score":0.22585640847682953,"channel":1,"num_words":1,"start":1009.565,"end":1010.065},{"sentences":[{"text":"of them was that you would love to travel to The UK next Christmas as you have family there and then go to Greece to spread your father in law's ashes.","start":1009.775,"end":1018.51996,"sentiment":"neutral","sentiment_score":0.3306808284213466},{"text":"Did you achieve that?","start":1021.14,"end":1023.64,"sentiment":"neutral","sentiment_score":0.2811388894915581}],"sentiment":"neutral","sentiment_score":0.3250188925436565,"channel":0,"num_words":35,"start":1009.775,"end":1023.64},{"sentences":[{"text":"That was, I think, for next Christmas.","start":1024.97,"end":1027.095,"sentiment":"neutral","sentiment_score":0.14211415818759374},{"text":"But","start":1028.455,"end":1028.955,"sentiment":"neutral","sentiment_score":0.10766096413135529}],"sentiment":"neutral","sentiment_score":0.13780750893056393,"channel":1,"num_words":8,"start":1024.97,"end":1028.955},{"sentences":[{"text":"Okay.","start":1028.705,"end":1029.1849,"sentiment":"neutral","sentiment_score":0.09748119115829468},{"text":"For yep.","start":1029.1849,"end":1030.485,"sentiment":"neutral","sentiment_score":0.10800669714808464}],"sentiment":"neutral","sentiment_score":0.10449819515148799,"channel":0,"num_words":3,"start":1028.705,"end":1030.485},{"sentences":[{"text":"I've always it was my fiftieth next year, and we always wanted to go I always wanted to go to The Caribbean.","start":1031.335,"end":1036.955,"sentiment":"neutral","sentiment_score":0.23139942505142905},{"text":"So","start":1037.335,"end":1037.835,"sentiment":"neutral","sentiment_score":0.12436556071043016}],"sentiment":"neutral","sentiment_score":0.22674577877573346,"channel":1,"num_words":23,"start":1031.335,"end":1037.835},{"sentences":[{"text":"Okay.","start":1038.5449,"end":1038.96,"sentiment":"neutral","sentiment_score":0.17505952715873718}],"sentiment":"neutral","sentiment_score":0.17505952715873718,"channel":0,"num_words":1,"start":1038.5449,"end":1038.96},{"sentences":[{"text":"I prefer to go to The Caribbean.","start":1039.19,"end":1041.0499,"sentiment":"neutral","sentiment_score":0.26940298080444336},{"text":"So, yeah, we're still wanting to do that.","start":1041.11,"end":1042.95,"sentiment":"neutral","sentiment_score":0.27183513157069683},{"text":"Hopefully, I will.","start":1042.95,"end":1044.41,"sentiment":"neutral","sentiment_score":0.18470661838849387},{"text":"We'll see.","start":1044.79,"end":1045.53,"sentiment":"neutral","sentiment_score":0.08691450953483582}],"sentiment":"neutral","sentiment_score":0.23942253962159157,"channel":1,"num_words":20,"start":1039.19,"end":1045.53},{"sentences":[{"text":"Okay.","start":1045.36,"end":1045.76,"sentiment":"neutral","sentiment_score":0.0744452029466629},{"text":"So okay.","start":1045.76,"end":1047.62,"sentiment":"neutral","sentiment_score":0.07466377690434456},{"text":"So should I add on all The Caribbean?","start":1047.84,"end":1049.62,"sentiment":"neutral","sentiment_score":0.0831654560752213}],"sentiment":"neutral","sentiment_score":0.08082694594155658,"channel":0,"num_words":11,"start":1045.36,"end":1049.62},{"sentences":[{"text":"Yes, please.","start":1050.39,"end":1051.21,"sentiment":"neutral","sentiment_score":0.0932493545114994},{"text":"And that'll be 2020","start":1051.99,"end":1053.845,"sentiment":"neutral","sentiment_score":0.0928149651736021}],"sentiment":"neutral","sentiment_score":0.09295976161956787,"channel":1,"num_words":6,"start":1050.39,"end":1053.845},{"sentences":[{"text":"Okay.","start":1054.64,"end":1054.935,"sentiment":"neutral","sentiment_score":0.07998925447463989},{"text":"Okay.","start":1055.0951,"end":1055.175,"sentiment":"neutral","sentiment_score":0.0775376632809639},{"text":"2027.","start":1055.175,"end":1056.3151,"sentiment":"neutral","sentiment_score":0.13227644562721252},{"text":"Fantastic.","start":1056.6151,"end":1057.1151,"sentiment":"positive","sentiment_score":0.5648446679115295},{"text":"I also have that you need to finish the renovations at Home","start":1058.8551,"end":1062.555,"sentiment":"neutral","sentiment_score":0.30662310123443604}],"sentiment":"neutral","sentiment_score":0.28338282788172364,"channel":0,"num_words":16,"start":1054.64,"end":1062.555},{"sentences":[{"text":"seven.","start":1062.865,"end":1063.1849,"sentiment":"neutral","sentiment_score":0.2717171609401703}],"sentiment":"neutral","sentiment_score":0.2717171609401703,"channel":1,"num_words":1,"start":1062.865,"end":1063.1849},{"sentences":[{"text":"and need","start":1063.015,"end":1063.5751,"sentiment":"neutral","sentiment_score":0.12982042878866196}],"sentiment":"neutral","sentiment_score":0.12982042878866196,"channel":0,"num_words":2,"start":1063.015,"end":1063.5751},{"sentences":[{"text":"Yes.","start":1063.1849,"end":1063.6849,"sentiment":"neutral","sentiment_score":0.14356830716133118}],"sentiment":"neutral","sentiment_score":0.14356830716133118,"channel":1,"num_words":1,"start":1063.1849,"end":1063.6849},{"sentences":[{"text":"to about 100,000 to do this.","start":1063.5751,"end":1065.9951,"sentiment":"neutral","sentiment_score":0.22696694980065027},{"text":"Is that still something that you","start":1069.415,"end":1071.21,"sentiment":"neutral","sentiment_score":0.19914607455333075}],"sentiment":"neutral","sentiment_score":0.2130565121769905,"channel":0,"num_words":12,"start":1063.5751,"end":1071.21},{"sentences":[{"text":"Yes.","start":1071.16,"end":1071.66,"sentiment":"neutral","sentiment_score":0.17606186866760254}],"sentiment":"neutral","sentiment_score":0.17606186866760254,"channel":1,"num_words":1,"start":1071.16,"end":1071.66},{"sentences":[{"text":"are working towards?","start":1071.21,"end":1072.43,"sentiment":"neutral","sentiment_score":0.1991934378941854}],"sentiment":"neutral","sentiment_score":0.1991934378941854,"channel":0,"num_words":3,"start":1071.21,"end":1072.43},{"sentences":[{"text":"Yes.","start":1073.0,"end":1073.5,"sentiment":"neutral","sentiment_score":0.12098664045333862}],"sentiment":"neutral","sentiment_score":0.12098664045333862,"channel":1,"num_words":1,"start":1073.0,"end":1073.5},{"sentences":[{"text":"Yep.","start":1074.25,"end":1074.75,"sentiment":"neutral","sentiment_score":0.10129430145025252},{"text":"Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and","start":1075.85,"end":1081.71,"sentiment":"neutral","sentiment_score":0.05914868560174237}],"sentiment":"neutral","sentiment_score":0.06090475292876363,"channel":0,"num_words":24,"start":1074.25,"end":1081.71},{"sentences":[{"text":"Yeah.","start":1082.215,"end":1082.615,"sentiment":"neutral","sentiment_score":0.018415968865156177},{"text":"It'll just depend.","start":1082.615,"end":1083.755,"sentiment":"neutral","sentiment_score":-0.055052004754543304}],"sentiment":"neutral","sentiment_score":-0.036685011349618435,"channel":1,"num_words":4,"start":1082.215,"end":1083.755},{"sentences":[{"text":"yep.","start":1084.5701,"end":1085.0701,"sentiment":"neutral","sentiment_score":-0.029901910573244095},{"text":"Okay.","start":1086.395,"end":1086.895,"sentiment":"neutral","sentiment_score":0.052163951098918915},{"text":"Yeah.","start":1091.6749,"end":1092.1549,"sentiment":"neutral","sentiment_score":0.09902768582105637},{"text":"I think this is a retirement goal one.","start":1092.1549,"end":1094.715,"sentiment":"neutral","sentiment_score":0.19805270805954933},{"text":"Sorry.","start":1094.715,"end":1095.0349,"sentiment":"neutral","sentiment_score":-0.02729519084095955}],"sentiment":"neutral","sentiment_score":0.13986801666518053,"channel":0,"num_words":12,"start":1084.5701,"end":1095.0349},{"sentences":[{"text":"There's no link here for me to see.","start":1095.0349,"end":1102.1755,"sentiment":"neutral","sentiment_score":-0.10528102517127991},{"text":"But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel.","start":1102.1755,"end":1114.115,"sentiment":"neutral","sentiment_score":0.3310620581231466},{"text":"Is that now, like, a current lifestyle goal now, or is that","start":1114.115,"end":1119.1749,"sentiment":"neutral","sentiment_score":0.15100890956819057}],"sentiment":"neutral","sentiment_score":0.23841644420486982,"channel":0,"num_words":61,"start":1095.0349,"end":1119.1749},{"sentences":[{"text":"Yes.","start":1118.875,"end":1119.375,"sentiment":"neutral","sentiment_score":0.07232071459293365}],"sentiment":"neutral","sentiment_score":0.07232071459293365,"channel":1,"num_words":1,"start":1118.875,"end":1119.375},{"sentences":[{"text":"more to so that's now?","start":1119.235,"end":1121.335,"sentiment":"neutral","sentiment_score":0.07095221057534218}],"sentiment":"neutral","sentiment_score":0.07095221057534218,"channel":0,"num_words":5,"start":1119.235,"end":1121.335},{"sentences":[{"text":"Yeah.","start":1121.74,"end":1122.24,"sentiment":"neutral","sentiment_score":0.11355742067098618},{"text":"Tara lifestyle.","start":1122.2999,"end":1123.2799,"sentiment":"neutral","sentiment_score":0.11829596757888794},{"text":"And","start":1124.2999,"end":1124.7,"sentiment":"neutral","sentiment_score":0.10325937718153}],"sentiment":"neutral","sentiment_score":0.11335218325257301,"channel":1,"num_words":4,"start":1121.74,"end":1124.7},{"sentences":[{"text":"Yep.","start":1124.355,"end":1124.835,"sentiment":"neutral","sentiment_score":0.11778633296489716}],"sentiment":"neutral","sentiment_score":0.11778633296489716,"channel":0,"num_words":1,"start":1124.355,"end":1124.835},{"sentences":[{"text":"retire,","start":1124.7,"end":1125.1799,"sentiment":"neutral","sentiment_score":0.09634971618652344}],"sentiment":"neutral","sentiment_score":0.09634971618652344,"channel":1,"num_words":1,"start":1124.7,"end":1125.1799},{"sentences":[{"text":"Okay.","start":1124.835,"end":1125.335,"sentiment":"neutral","sentiment_score":0.16354531049728394}],"sentiment":"neutral","sentiment_score":0.16354531049728394,"channel":0,"num_words":1,"start":1124.835,"end":1125.335},{"sentences":[{"text":"but, yeah, I'd like to be able to finish the house and just, yeah, have more have more time back so we're not working to pay off the mortgage, which is always seem to be doing.","start":1125.1799,"end":1137.515,"sentiment":"neutral","sentiment_score":0.009411693136725161}],"sentiment":"neutral","sentiment_score":0.009411693136725161,"channel":1,"num_words":36,"start":1125.1799,"end":1137.515},{"sentences":[{"text":"Yeah.","start":1137.8,"end":1138.2,"sentiment":"neutral","sentiment_score":0.10278287529945374},{"text":"Yeah.","start":1138.2,"end":1138.7,"sentiment":"neutral","sentiment_score":0.12697122991085052},{"text":"I understand that.","start":1138.76,"end":1140.0599,"sentiment":"neutral","sentiment_score":0.1250833123922348},{"text":"With your superannuation, you've said that you wanna be in a strong performing platform with good investments for growth and active management to try and mitigate losses where possible.","start":1143.165,"end":1155.25,"sentiment":"neutral","sentiment_score":0.22253504498251553},{"text":"Is that still relevant?","start":1155.63,"end":1157.49,"sentiment":"neutral","sentiment_score":0.06216877792030573}],"sentiment":"neutral","sentiment_score":0.19229461733055742,"channel":0,"num_words":38,"start":1137.8,"end":1157.49},{"sentences":[{"text":"What was that?","start":1157.99,"end":1158.7899,"sentiment":"neutral","sentiment_score":-0.02812366560101509},{"text":"Sorry.","start":1158.7899,"end":1159.2899,"sentiment":"neutral","sentiment_score":-0.06866191327571869}],"sentiment":"neutral","sentiment_score":-0.03825822751969099,"channel":1,"num_words":4,"start":1157.99,"end":1159.2899},{"sentences":[{"text":"With your super rate superannuation fund, it says that you wanna be in a strong performing platform with good investments for growth and active management,","start":1160.35,"end":1169.325,"sentiment":"neutral","sentiment_score":0.14192618802189827}],"sentiment":"neutral","sentiment_score":0.14192618802189827,"channel":0,"num_words":25,"start":1160.35,"end":1169.325},{"sentences":[{"text":"Yeah.","start":1175.59,"end":1176.09,"sentiment":"neutral","sentiment_score":0.09762466698884964}],"sentiment":"neutral","sentiment_score":0.09762466698884964,"channel":1,"num_words":1,"start":1175.59,"end":1176.09},{"sentences":[{"text":"retirement goal, I have you wanting to retire between the ages of 60 to 65 years old with an income of 2,000 per week.","start":1180.605,"end":1192.3201,"sentiment":"neutral","sentiment_score":0.09415836445987225},{"text":"Yeah?","start":1194.4601,"end":1194.885,"sentiment":"neutral","sentiment_score":0.05741770192980766},{"text":"Is that 2,000 for you and Timothy?","start":1194.965,"end":1198.105,"sentiment":"neutral","sentiment_score":0.039165208116173744}],"sentiment":"neutral","sentiment_score":0.08098046580562368,"channel":0,"num_words":32,"start":1180.605,"end":1198.105},{"sentences":[{"text":"I guess so.","start":1202.34,"end":1203.46,"sentiment":"neutral","sentiment_score":-0.06315382321675618},{"text":"I'm not sure","start":1203.46,"end":1204.5199,"sentiment":"neutral","sentiment_score":-0.0951469714442889}],"sentiment":"neutral","sentiment_score":-0.07915039733052254,"channel":1,"num_words":6,"start":1202.34,"end":1204.5199},{"sentences":[{"text":"Yeah.","start":1205.4451,"end":1205.9451,"sentiment":"neutral","sentiment_score":-0.095479354262352}],"sentiment":"neutral","sentiment_score":-0.095479354262352,"channel":0,"num_words":1,"start":1205.4451,"end":1205.9451},{"sentences":[{"text":"what we would need.","start":1207.1399,"end":1209.22,"sentiment":"neutral","sentiment_score":-0.12619014084339142},{"text":"That's obviously with the mortgage paid off.","start":1209.22,"end":1211.3999,"sentiment":"neutral","sentiment_score":-0.1350928172469139}],"sentiment":"neutral","sentiment_score":-0.13185548037290573,"channel":1,"num_words":11,"start":1207.1399,"end":1211.3999},{"sentences":[{"text":"Mhmm.","start":1212.05,"end":1212.55,"sentiment":"neutral","sentiment_score":-0.045842159539461136},{"text":"Yeah.","start":1212.61,"end":1213.0901,"sentiment":"neutral","sentiment_score":-0.023729555308818817},{"text":"Uh-huh.","start":1213.0901,"end":1213.41,"sentiment":"neutral","sentiment_score":-0.022301778197288513},{"text":"Yep.","start":1213.41,"end":1213.91,"sentiment":"neutral","sentiment_score":-0.002041589468717575},{"text":"Per week.","start":1214.77,"end":1215.5701,"sentiment":"neutral","sentiment_score":-0.013480835128575563}],"sentiment":"neutral","sentiment_score":-0.020146125461906195,"channel":0,"num_words":6,"start":1212.05,"end":1215.5701},{"sentences":[{"text":"Okay.","start":1215.5701,"end":1216.0701,"sentiment":"neutral","sentiment_score":-0.009429018944501877},{"text":"Combined with mortgage.","start":1216.4501,"end":1218.31,"sentiment":"neutral","sentiment_score":-0.03327762025098006},{"text":"The paid.","start":1218.61,"end":1219.35,"sentiment":"neutral","sentiment_score":-0.04496019519865513},{"text":"I guess with the that probably leads me into a different question or a different conversation as well.","start":1220.235,"end":1226.255,"sentiment":"neutral","sentiment_score":-0.05994241891635789},{"text":"With your home and the long term plans, with the kids getting older, What is yours and Timothy's plans with the home?","start":1226.955,"end":1237.99,"sentiment":"neutral","sentiment_score":-0.026117398488250645}],"sentiment":"neutral","sentiment_score":-0.04027670820284149,"channel":0,"num_words":46,"start":1215.5701,"end":1237.99},{"sentences":[{"text":"Would you be looking to downsize at any point in time?","start":1237.99,"end":1241.19,"sentiment":"neutral","sentiment_score":-0.08571968363089995},{"text":"Would you be what have you thought about those types of","start":1241.19,"end":1245.45,"sentiment":"neutral","sentiment_score":-0.16705621101639487}],"sentiment":"neutral","sentiment_score":-0.12638794732364741,"channel":0,"num_words":22,"start":1237.99,"end":1245.45},{"sentences":[{"text":"I would yep.","start":1247.745,"end":1250.245,"sentiment":"neutral","sentiment_score":-0.1817712833484014},{"text":"If I mean, the dream is to keep that to keep Narrabeen, and we'd look at getting, like, I'd love a little country place or move away or, you know, country and beach, but a smaller home.","start":1250.305,"end":1265.39,"sentiment":"neutral","sentiment_score":0.03149279831229029},{"text":"Yes.","start":1265.39,"end":1265.7101,"sentiment":"neutral","sentiment_score":-0.009188863448798656},{"text":"But with maybe some land.","start":1265.7101,"end":1267.41,"sentiment":"neutral","sentiment_score":-0.04346804395318031},{"text":"Always","start":1267.975,"end":1268.2949,"sentiment":"neutral","sentiment_score":0.02710612118244171}],"sentiment":"neutral","sentiment_score":0.00894673883994209,"channel":1,"num_words":47,"start":1247.745,"end":1268.2949},{"sentences":[{"text":"Yep.","start":1268.28,"end":1268.78,"sentiment":"neutral","sentiment_score":0.033241644501686096}],"sentiment":"neutral","sentiment_score":0.033241644501686096,"channel":0,"num_words":1,"start":1268.28,"end":1268.78},{"sentences":[{"text":"wanted that, but I'd love to keep Narabim.","start":1268.2949,"end":1270.215,"sentiment":"neutral","sentiment_score":0.15089732501655817},{"text":"But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell.","start":1270.215,"end":1278.315,"sentiment":"negative","sentiment_score":-0.36146462087829906},{"text":"Because we just can't keep going paying the mortgage the way it is.","start":1278.855,"end":1283.3301,"sentiment":"negative","sentiment_score":-0.3991594841847053}],"sentiment":"neutral","sentiment_score":-0.2812676798966196,"channel":1,"num_words":45,"start":1268.2949,"end":1283.3301},{"sentences":[{"text":"Yep.","start":1283.655,"end":1284.155,"sentiment":"neutral","sentiment_score":0.023697569966316223},{"text":"Okay.","start":1284.295,"end":1284.795,"sentiment":"neutral","sentiment_score":0.023337846621870995},{"text":"And is Timothy self employed?","start":1285.3,"end":1287.38,"sentiment":"neutral","sentiment_score":0.019050220772624017},{"text":"Sorry.","start":1287.38,"end":1287.54,"sentiment":"neutral","sentiment_score":-0.09981308877468108},{"text":"I just don't know much about Timothy from these notes.","start":1287.54,"end":1290.02,"sentiment":"neutral","sentiment_score":-0.08401078134775161}],"sentiment":"neutral","sentiment_score":-0.044313021211160555,"channel":0,"num_words":18,"start":1283.655,"end":1290.02},{"sentences":[{"text":"Yes.","start":1289.79,"end":1290.29,"sentiment":"neutral","sentiment_score":0.03086210787296295}],"sentiment":"neutral","sentiment_score":0.03086210787296295,"channel":1,"num_words":1,"start":1289.79,"end":1290.29},{"sentences":[{"text":"I'm just","start":1290.02,"end":1290.42,"sentiment":"neutral","sentiment_score":0.027354050427675247}],"sentiment":"neutral","sentiment_score":0.027354050427675247,"channel":0,"num_words":2,"start":1290.02,"end":1290.42},{"sentences":[{"text":"Yes.","start":1290.35,"end":1290.67,"sentiment":"neutral","sentiment_score":0.024550076574087143}],"sentiment":"neutral","sentiment_score":0.024550076574087143,"channel":1,"num_words":1,"start":1290.35,"end":1290.67},{"sentences":[{"text":"trying","start":1290.42,"end":1290.8201,"sentiment":"neutral","sentiment_score":0.0051055364310741425}],"sentiment":"neutral","sentiment_score":0.0051055364310741425,"channel":0,"num_words":1,"start":1290.42,"end":1290.8201},{"sentences":[{"text":"He's","start":1290.67,"end":1290.99,"sentiment":"neutral","sentiment_score":0.03455258533358574}],"sentiment":"neutral","sentiment_score":0.03455258533358574,"channel":1,"num_words":1,"start":1290.67,"end":1290.99},{"sentences":[{"text":"he","start":1290.9,"end":1291.14,"sentiment":"neutral","sentiment_score":0.04186894744634628}],"sentiment":"neutral","sentiment_score":0.04186894744634628,"channel":0,"num_words":1,"start":1290.9,"end":1291.14},{"sentences":[{"text":"self","start":1290.99,"end":1291.39,"sentiment":"neutral","sentiment_score":0.04204981029033661}],"sentiment":"neutral","sentiment_score":0.04204981029033661,"channel":1,"num_words":1,"start":1290.99,"end":1291.39},{"sentences":[{"text":"is.","start":1291.14,"end":1291.64,"sentiment":"neutral","sentiment_score":0.03123195841908455}],"sentiment":"neutral","sentiment_score":0.03123195841908455,"channel":0,"num_words":1,"start":1291.14,"end":1291.64},{"sentences":[{"text":"employed.","start":1291.39,"end":1291.89,"sentiment":"neutral","sentiment_score":0.01628531701862812}],"sentiment":"neutral","sentiment_score":0.01628531701862812,"channel":1,"num_words":1,"start":1291.39,"end":1291.89},{"sentences":[{"text":"Okay.","start":1292.9,"end":1293.4,"sentiment":"neutral","sentiment_score":0.04970508813858032},{"text":"So his income, you said, is about 71, around the same as yours.","start":1293.54,"end":1298.34,"sentiment":"neutral","sentiment_score":0.05450436358268444},{"text":"Does he get any additional income of any additional income of any sort?","start":1298.34,"end":1301.635,"sentiment":"neutral","sentiment_score":0.0017865086690737652}],"sentiment":"neutral","sentiment_score":0.028943941755979148,"channel":0,"num_words":27,"start":1292.9,"end":1301.635},{"sentences":[{"text":"No.","start":1302.385,"end":1302.625,"sentiment":"neutral","sentiment_score":-0.015152320265769958},{"text":"We do look after dogs, so we get","start":1302.625,"end":1305.1849,"sentiment":"neutral","sentiment_score":0.07275212835520506}],"sentiment":"neutral","sentiment_score":0.06298496739731894,"channel":1,"num_words":9,"start":1302.385,"end":1305.1849},{"sentences":[{"text":"Yep.","start":1304.975,"end":1305.475,"sentiment":"neutral","sentiment_score":0.0768950879573822}],"sentiment":"neutral","sentiment_score":0.0768950879573822,"channel":0,"num_words":1,"start":1304.975,"end":1305.475},{"sentences":[{"text":"some on the side.","start":1305.1849,"end":1306.3049,"sentiment":"neutral","sentiment_score":0.05200270842760801},{"text":"But,","start":1306.3049,"end":1306.8049,"sentiment":"neutral","sentiment_score":0.05583370849490166}],"sentiment":"neutral","sentiment_score":0.05276890844106674,"channel":1,"num_words":5,"start":1305.1849,"end":1306.8049},{"sentences":[{"text":"Yep.","start":1307.0549,"end":1307.5549,"sentiment":"neutral","sentiment_score":0.14826855063438416}],"sentiment":"neutral","sentiment_score":0.14826855063438416,"channel":0,"num_words":1,"start":1307.0549,"end":1307.5549},{"sentences":[{"text":"obviously, that's that's not sort of on the books or anything, but that helps us survive.","start":1307.9049,"end":1313.45,"sentiment":"neutral","sentiment_score":0.1112386966124177},{"text":"That's what we started with just friends, and my daughter started it actually.","start":1313.75,"end":1317.2899,"sentiment":"neutral","sentiment_score":0.28200092567847324}],"sentiment":"neutral","sentiment_score":0.1877872820558219,"channel":1,"num_words":29,"start":1307.9049,"end":1317.2899},{"sentences":[{"text":"Okay.","start":1318.3401,"end":1318.8401,"sentiment":"neutral","sentiment_score":0.1325855851173401}],"sentiment":"neutral","sentiment_score":0.1325855851173401,"channel":0,"num_words":1,"start":1318.3401,"end":1318.8401},{"sentences":[{"text":"And then it","start":1318.47,"end":1319.03,"sentiment":"neutral","sentiment_score":0.07884536683559418}],"sentiment":"neutral","sentiment_score":0.07884536683559418,"channel":1,"num_words":3,"start":1318.47,"end":1319.03},{"sentences":[{"text":"No","start":1318.98,"end":1319.2201,"sentiment":"neutral","sentiment_score":0.10679040849208832}],"sentiment":"neutral","sentiment_score":0.10679040849208832,"channel":0,"num_words":1,"start":1318.98,"end":1319.2201},{"sentences":[{"text":"just","start":1319.03,"end":1319.35,"sentiment":"neutral","sentiment_score":0.10838571190834044}],"sentiment":"neutral","sentiment_score":0.10838571190834044,"channel":1,"num_words":1,"start":1319.03,"end":1319.35},{"sentences":[{"text":"worries.","start":1319.2201,"end":1319.7201,"sentiment":"neutral","sentiment_score":0.17572090029716492}],"sentiment":"neutral","sentiment_score":0.17572090029716492,"channel":0,"num_words":1,"start":1319.2201,"end":1319.7201},{"sentences":[{"text":"grew.","start":1319.35,"end":1319.85,"sentiment":"neutral","sentiment_score":0.17520973086357117}],"sentiment":"neutral","sentiment_score":0.17520973086357117,"channel":1,"num_words":1,"start":1319.35,"end":1319.85},{"sentences":[{"text":"Okay.","start":1321.14,"end":1321.64,"sentiment":"neutral","sentiment_score":0.22028891742229464},{"text":"Alright.","start":1322.1,"end":1322.6,"sentiment":"neutral","sentiment_score":0.32856234908103943},{"text":"So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what","start":1323.14,"end":1348.94,"sentiment":"neutral","sentiment_score":0.22619773653735006}],"sentiment":"neutral","sentiment_score":0.22786076745853343,"channel":0,"num_words":58,"start":1321.14,"end":1348.94},{"sentences":[{"text":"Mhmm.","start":1348.8201,"end":1349.3201,"sentiment":"neutral","sentiment_score":0.07321421056985855}],"sentiment":"neutral","sentiment_score":0.07321421056985855,"channel":1,"num_words":1,"start":1348.8201,"end":1349.3201},{"sentences":[{"text":"we if there's anything that we can do or action to","start":1348.94,"end":1354.32,"sentiment":"neutral","sentiment_score":0.155388589609753}],"sentiment":"neutral","sentiment_score":0.155388589609753,"channel":0,"num_words":11,"start":1348.94,"end":1354.32},{"sentences":[{"text":"I can.","start":1354.0751,"end":1354.735,"sentiment":"neutral","sentiment_score":0.17468565702438354}],"sentiment":"neutral","sentiment_score":0.17468565702438354,"channel":1,"num_words":2,"start":1354.0751,"end":1354.735},{"sentences":[{"text":"assist.","start":1354.38,"end":1354.88,"sentiment":"neutral","sentiment_score":0.15519066154956818},{"text":"So I'll leave those there.","start":1355.1,"end":1356.7,"sentiment":"neutral","sentiment_score":0.16951395869255065},{"text":"Outside of those goals and objectives, is there anything else that you're wanting to achieve in the next short to long term?","start":1356.7,"end":1366.2251,"sentiment":"neutral","sentiment_score":0.1609424494884231}],"sentiment":"neutral","sentiment_score":0.16226765513420105,"channel":0,"num_words":28,"start":1354.38,"end":1366.2251},{"sentences":[{"text":"Not as yet.","start":1367.4,"end":1368.28,"sentiment":"neutral","sentiment_score":-0.10816846539576848},{"text":"Not at the moment.","start":1368.28,"end":1369.0801,"sentiment":"neutral","sentiment_score":-0.22790130227804184},{"text":"No.","start":1369.0801,"end":1369.3201,"sentiment":"neutral","sentiment_score":-0.1573244035243988},{"text":"Like I said, there was a investment thing that we were looking at.","start":1369.3201,"end":1372.7001,"sentiment":"neutral","sentiment_score":-0.0760313283938628},{"text":"But,","start":1373.0801,"end":1373.5801,"sentiment":"neutral","sentiment_score":0.0042927321046590805}],"sentiment":"neutral","sentiment_score":-0.10807043390179222,"channel":1,"num_words":22,"start":1367.4,"end":1373.5801},{"sentences":[{"text":"Yep.","start":1373.0851,"end":1373.46,"sentiment":"neutral","sentiment_score":0.055762361735105515}],"sentiment":"neutral","sentiment_score":0.055762361735105515,"channel":0,"num_words":1,"start":1373.0851,"end":1373.46},{"sentences":[{"text":"yeah, I think at the moment, we did I need to concentrate on adding value to the home, I guess, if we're going and try to get that finished, if we're","start":1374.68,"end":1384.525,"sentiment":"neutral","sentiment_score":0.11629576668623955}],"sentiment":"neutral","sentiment_score":0.11629576668623955,"channel":1,"num_words":31,"start":1374.68,"end":1384.525},{"sentences":[{"text":"Yeah.","start":1384.34,"end":1384.84,"sentiment":"neutral","sentiment_score":0.10329566150903702}],"sentiment":"neutral","sentiment_score":0.10329566150903702,"channel":0,"num_words":1,"start":1384.34,"end":1384.84},{"sentences":[{"text":"going to move on from there.","start":1384.525,"end":1387.105,"sentiment":"neutral","sentiment_score":0.09427957485119502}],"sentiment":"neutral","sentiment_score":0.09427957485119502,"channel":1,"num_words":6,"start":1384.525,"end":1387.105},{"sentences":[{"text":"Understand.","start":1388.1,"end":1388.6,"sentiment":"neutral","sentiment_score":0.07296845316886902},{"text":"Understand.","start":1389.025,"end":1389.525,"sentiment":"neutral","sentiment_score":0.05195542424917221},{"text":"Okay.","start":1389.905,"end":1390.385,"sentiment":"neutral","sentiment_score":0.07707863301038742},{"text":"So with your insurances, you have life TPD and income protection.","start":1390.385,"end":1396.645,"sentiment":"neutral","sentiment_score":0.06465492770075798}],"sentiment":"neutral","sentiment_score":0.0652290510811976,"channel":0,"num_words":14,"start":1388.1,"end":1396.645},{"sentences":[{"text":"Mhmm.","start":1397.7,"end":1398.2,"sentiment":"neutral","sentiment_score":0.040337760001420975}],"sentiment":"neutral","sentiment_score":0.040337760001420975,"channel":1,"num_words":1,"start":1397.7,"end":1398.2},{"sentences":[{"text":"That's through your superannuation fund that's paid for.","start":1398.065,"end":1401.845,"sentiment":"neutral","sentiment_score":0.07282697199843824},{"text":"And your life insurance and TPD sum insured is just over 1,500,000.","start":1403.5499,"end":1410.61,"sentiment":"neutral","sentiment_score":0.0020979835341374074},{"text":"So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries.","start":1410.83,"end":1425.035,"sentiment":"neutral","sentiment_score":0.0492269397877595}],"sentiment":"neutral","sentiment_score":0.0422501394663144,"channel":0,"num_words":54,"start":1398.065,"end":1425.035},{"sentences":[{"text":"Yep.","start":1426.2799,"end":1426.7799,"sentiment":"neutral","sentiment_score":0.31200259923934937}],"sentiment":"neutral","sentiment_score":0.31200259923934937,"channel":1,"num_words":1,"start":1426.2799,"end":1426.7799},{"sentences":[{"text":"Is that how is is that are you happy with that level of cover?","start":1427.895,"end":1432.055,"sentiment":"positive","sentiment_score":0.3386244901588985},{"text":"Did you need to increase","start":1432.055,"end":1433.46,"sentiment":"neutral","sentiment_score":-0.05758012980222702}],"sentiment":"neutral","sentiment_score":0.23436011648491809,"channel":0,"num_words":19,"start":1427.895,"end":1433.46},{"sentences":[{"text":"Yeah.","start":1433.045,"end":1433.545,"sentiment":"neutral","sentiment_score":0.005347723141312599}],"sentiment":"neutral","sentiment_score":0.005347723141312599,"channel":1,"num_words":1,"start":1433.045,"end":1433.545},{"sentences":[{"text":"it?","start":1433.46,"end":1433.96,"sentiment":"neutral","sentiment_score":-0.0021559465676546097}],"sentiment":"neutral","sentiment_score":-0.0021559465676546097,"channel":0,"num_words":1,"start":1433.46,"end":1433.96},{"sentences":[{"text":"No.","start":1434.405,"end":1434.645,"sentiment":"neutral","sentiment_score":-0.17641983926296234},{"text":"I","start":1434.645,"end":1434.965,"sentiment":"neutral","sentiment_score":-0.07823020964860916}],"sentiment":"neutral","sentiment_score":-0.12732502445578575,"channel":1,"num_words":2,"start":1434.405,"end":1434.965},{"sentences":[{"text":"Yep.","start":1434.74,"end":1435.24,"sentiment":"neutral","sentiment_score":-0.05573536455631256}],"sentiment":"neutral","sentiment_score":-0.05573536455631256,"channel":0,"num_words":1,"start":1434.74,"end":1435.24},{"sentences":[{"text":"I think just at least to make sure the the house is paid off is the main thing because then, you know, the funds will be freed up for whatever money comes in to","start":1434.965,"end":1446.57,"sentiment":"neutral","sentiment_score":-0.0958713540697799}],"sentiment":"neutral","sentiment_score":-0.0958713540697799,"channel":1,"num_words":34,"start":1434.965,"end":1446.57},{"sentences":[{"text":"Mhmm.","start":1446.5,"end":1446.735,"sentiment":"neutral","sentiment_score":-0.15854068100452423}],"sentiment":"neutral","sentiment_score":-0.15854068100452423,"channel":0,"num_words":1,"start":1446.5,"end":1446.735},{"sentences":[{"text":"survive on, so it's just getting rid of the house.","start":1446.57,"end":1449.15,"sentiment":"neutral","sentiment_score":-0.31282268166542054}],"sentiment":"neutral","sentiment_score":-0.31282268166542054,"channel":1,"num_words":10,"start":1446.57,"end":1449.15},{"sentences":[{"text":"Yep.","start":1449.775,"end":1450.1749,"sentiment":"neutral","sentiment_score":0.07675020396709442},{"text":"Okay.","start":1450.1749,"end":1450.575,"sentiment":"neutral","sentiment_score":0.0809457078576088},{"text":"So","start":1450.575,"end":1450.815,"sentiment":"neutral","sentiment_score":0.0730193555355072}],"sentiment":"neutral","sentiment_score":0.07690508912007014,"channel":0,"num_words":3,"start":1449.775,"end":1450.815},{"sentences":[{"text":"That's","start":1450.65,"end":1451.13,"sentiment":"neutral","sentiment_score":0.09512977302074432}],"sentiment":"neutral","sentiment_score":0.09512977302074432,"channel":1,"num_words":1,"start":1450.65,"end":1451.13},{"sentences":[{"text":"on that","start":1450.815,"end":1451.295,"sentiment":"neutral","sentiment_score":0.10800204053521156}],"sentiment":"neutral","sentiment_score":0.10800204053521156,"channel":0,"num_words":2,"start":1450.815,"end":1451.295},{"sentences":[{"text":"it.","start":1451.13,"end":1451.63,"sentiment":"neutral","sentiment_score":0.09500157833099364}],"sentiment":"neutral","sentiment_score":0.09500157833099364,"channel":1,"num_words":1,"start":1451.13,"end":1451.63},{"sentences":[{"text":"note, we have your beneficiary nominations for your super and your life insurance being 50% to Timothy and 25% to Kobe and 25% to Kiani.","start":1451.295,"end":1466.42,"sentiment":"neutral","sentiment_score":0.07854206040501595},{"text":"Did","start":1466.96,"end":1467.2,"sentiment":"neutral","sentiment_score":0.054161883890628815}],"sentiment":"neutral","sentiment_score":0.07760436130830875,"channel":0,"num_words":26,"start":1451.295,"end":1467.2},{"sentences":[{"text":"Yep.","start":1467.1849,"end":1467.6849,"sentiment":"neutral","sentiment_score":0.05107998102903366}],"sentiment":"neutral","sentiment_score":0.05107998102903366,"channel":1,"num_words":1,"start":1467.1849,"end":1467.6849},{"sentences":[{"text":"you want to leave them that way, or did you want to have Timothy as the beneficiary so the debts repaid?","start":1467.2,"end":1474.02,"sentiment":"neutral","sentiment_score":0.0014061284295859792},{"text":"What was","start":1476.0,"end":1476.82,"sentiment":"neutral","sentiment_score":-0.01532077044248581}],"sentiment":"neutral","sentiment_score":-0.000048384515811567724,"channel":0,"num_words":23,"start":1467.2,"end":1476.82},{"sentences":[{"text":"Oh, got you.","start":1476.66,"end":1477.4601,"sentiment":"neutral","sentiment_score":-0.01453830519070228},{"text":"Yeah.","start":1477.4601,"end":1477.9401,"sentiment":"neutral","sentiment_score":-0.00888931192457676},{"text":"Maybe maybe, I guess, they're all going to Kim.","start":1477.9401,"end":1482.9801,"sentiment":"neutral","sentiment_score":-0.026135397661063407},{"text":"Is that what will happen?","start":1482.9801,"end":1483.9401,"sentiment":"neutral","sentiment_score":-0.03732246607542038},{"text":"Yeah.","start":1483.9401,"end":1484.1001,"sentiment":"neutral","sentiment_score":0.016224509105086327}],"sentiment":"neutral","sentiment_score":-0.024111085669382623,"channel":1,"num_words":19,"start":1476.66,"end":1484.1001},{"sentences":[{"text":"Because otherwise, you're only gonna get 500,000 of it won't","start":1484.1001,"end":1487.5549,"sentiment":"neutral","sentiment_score":-0.03357941610738635}],"sentiment":"neutral","sentiment_score":-0.03357941610738635,"channel":1,"num_words":10,"start":1484.1001,"end":1487.5549},{"sentences":[{"text":"he'll get half of your superannuation balance and half of your life insurance proceeds.","start":1488.2649,"end":1492.6699,"sentiment":"neutral","sentiment_score":0.0005448572670242617}],"sentiment":"neutral","sentiment_score":0.0005448572670242617,"channel":0,"num_words":14,"start":1488.2649,"end":1492.6699},{"sentences":[{"text":"be.","start":1494.975,"end":1495.225,"sentiment":"neutral","sentiment_score":0.00834621675312519},{"text":"Okay.","start":1495.225,"end":1495.725,"sentiment":"neutral","sentiment_score":0.024613745510578156}],"sentiment":"neutral","sentiment_score":0.016479981131851673,"channel":1,"num_words":2,"start":1494.975,"end":1495.725},{"sentences":[{"text":"So what that's another thing with a will.","start":1496.8899,"end":1500.19,"sentiment":"neutral","sentiment_score":0.017155816545709968},{"text":"Now that your one of your children is 18 and the other one is 18 in twelve months' time, when funds are paid from when adult children are a beneficiary of a superannuation fund, they pay it is they pay tax.","start":1501.69,"end":1523.6901,"sentiment":"neutral","sentiment_score":-0.004399624085280954},{"text":"There's a taxable","start":1523.6901,"end":1524.59,"sentiment":"neutral","sentiment_score":-0.029372692108154297}],"sentiment":"neutral","sentiment_score":-0.0025241563741404275,"channel":0,"num_words":52,"start":1496.8899,"end":1524.59},{"sentences":[{"text":"Yes.","start":1524.605,"end":1525.105,"sentiment":"neutral","sentiment_score":0.010725682601332664}],"sentiment":"neutral","sentiment_score":0.010725682601332664,"channel":1,"num_words":1,"start":1524.605,"end":1525.105},{"sentences":[{"text":"element on it.","start":1524.65,"end":1525.87,"sentiment":"neutral","sentiment_score":0.009753492971261343},{"text":"With Timothy, it's tax free because he's your spouse.","start":1526.65,"end":1531.15,"sentiment":"neutral","sentiment_score":0.06504280782408184},{"text":"And any tax any tax to Tim would be minimal as opposed to your adult children.","start":1533.7051,"end":1541.805,"sentiment":"neutral","sentiment_score":0.01640636706724763},{"text":"So that that's how as well your will will link into this.","start":1542.3451,"end":1547.4,"sentiment":"neutral","sentiment_score":0.10942081486185391},{"text":"If it goes to Tim Timothy, sorry, then the will would then dictate what happens with the remainder of the estate.","start":1547.4,"end":1558.1649,"sentiment":"neutral","sentiment_score":0.037233338913037664}],"sentiment":"neutral","sentiment_score":0.04872291012987739,"channel":0,"num_words":61,"start":1524.65,"end":1558.1649},{"sentences":[{"text":"So if you do your wills in conjunction with each other, if one of you pass first, usually, most couples' wills","start":1558.1649,"end":1566.1849,"sentiment":"neutral","sentiment_score":0.06824681819194839}],"sentiment":"neutral","sentiment_score":0.06824681819194839,"channel":0,"num_words":21,"start":1558.1649,"end":1566.1849},{"sentences":[{"text":"Just go","start":1568.13,"end":1568.53,"sentiment":"neutral","sentiment_score":0.013763858005404472}],"sentiment":"neutral","sentiment_score":0.013763858005404472,"channel":1,"num_words":2,"start":1568.13,"end":1568.53},{"sentences":[{"text":"are","start":1568.4049,"end":1568.645,"sentiment":"neutral","sentiment_score":0.01475078985095024}],"sentiment":"neutral","sentiment_score":0.01475078985095024,"channel":0,"num_words":1,"start":1568.4049,"end":1568.645},{"sentences":[{"text":"to","start":1568.53,"end":1568.69,"sentiment":"neutral","sentiment_score":0.017248470336198807}],"sentiment":"neutral","sentiment_score":0.017248470336198807,"channel":1,"num_words":1,"start":1568.53,"end":1568.69},{"sentences":[{"text":"mirrored.","start":1568.645,"end":1569.09,"sentiment":"neutral","sentiment_score":0.011748870834708214}],"sentiment":"neutral","sentiment_score":0.011748870834708214,"channel":0,"num_words":1,"start":1568.645,"end":1569.09},{"sentences":[{"text":"the other.","start":1568.69,"end":1569.51,"sentiment":"neutral","sentiment_score":0.012033694423735142},{"text":"Maybe","start":1570.0249,"end":1570.1849,"sentiment":"neutral","sentiment_score":0.02248987928032875}],"sentiment":"neutral","sentiment_score":0.015519089375933012,"channel":1,"num_words":3,"start":1568.69,"end":1570.1849},{"sentences":[{"text":"Yes.","start":1570.0499,"end":1570.5499,"sentiment":"neutral","sentiment_score":-0.0042714932933449745}],"sentiment":"neutral","sentiment_score":-0.0042714932933449745,"channel":0,"num_words":1,"start":1570.0499,"end":1570.5499},{"sentences":[{"text":"I'll just do that especially, yeah, at the moment.","start":1570.1849,"end":1573.005,"sentiment":"neutral","sentiment_score":0.20372424523035684},{"text":"Can we just do","start":1573.225,"end":1574.0249,"sentiment":"neutral","sentiment_score":0.09639429487287998}],"sentiment":"neutral","sentiment_score":0.17069964512036398,"channel":1,"num_words":13,"start":1570.1849,"end":1574.0249},{"sentences":[{"text":"Yeah.","start":1573.89,"end":1574.39,"sentiment":"neutral","sentiment_score":0.13402195274829865}],"sentiment":"neutral","sentiment_score":0.13402195274829865,"channel":0,"num_words":1,"start":1573.89,"end":1574.39},{"sentences":[{"text":"that?","start":1574.0249,"end":1574.1849,"sentiment":"neutral","sentiment_score":0.14654919505119324},{"text":"I'll just make a 100% him.","start":1574.1849,"end":1576.125,"sentiment":"positive","sentiment_score":0.40060559411843616},{"text":"Thank you.","start":1576.2649,"end":1577.005,"sentiment":"positive","sentiment_score":0.7073725759983063}],"sentiment":"positive","sentiment_score":0.44054754575093585,"channel":1,"num_words":9,"start":1574.0249,"end":1577.005},{"sentences":[{"text":"I can make, yeah, I can make those we'll get some forms sent out for you to sign.","start":1576.61,"end":1581.825,"sentiment":"neutral","sentiment_score":0.24328353421555626},{"text":"That would they","start":1581.985,"end":1582.5449,"sentiment":"neutral","sentiment_score":0.06711727877457936}],"sentiment":"neutral","sentiment_score":0.2181169262954167,"channel":0,"num_words":21,"start":1576.61,"end":1582.5449},{"sentences":[{"text":"Mhmm.","start":1582.345,"end":1582.845,"sentiment":"neutral","sentiment_score":0.035647112876176834}],"sentiment":"neutral","sentiment_score":0.035647112876176834,"channel":1,"num_words":1,"start":1582.345,"end":1582.845},{"sentences":[{"text":"do need to be signed.","start":1582.5449,"end":1583.825,"sentiment":"neutral","sentiment_score":0.02906874194741249},{"text":"So we'll do we'll make that an action item post this meeting.","start":1583.825,"end":1587.0449,"sentiment":"neutral","sentiment_score":0.11244369794925053},{"text":"Alright.","start":1590.1449,"end":1590.5449,"sentiment":"neutral","sentiment_score":0.08026516437530518},{"text":"So I've done that.","start":1590.5449,"end":1591.825,"sentiment":"neutral","sentiment_score":0.09865131415426731},{"text":"What I'm gonna do now, Lee, is do you have access to your emails at all?","start":1591.825,"end":1595.92,"sentiment":"neutral","sentiment_score":0.03797690907958895}],"sentiment":"neutral","sentiment_score":0.06782023819457543,"channel":0,"num_words":38,"start":1582.5449,"end":1595.92},{"sentences":[{"text":"Yes.","start":1596.3,"end":1596.8,"sentiment":"neutral","sentiment_score":0.06482855975627899}],"sentiment":"neutral","sentiment_score":0.06482855975627899,"channel":1,"num_words":1,"start":1596.3,"end":1596.8},{"sentences":[{"text":"Yeah.","start":1597.42,"end":1597.92,"sentiment":"neutral","sentiment_score":0.08767369389533997},{"text":"I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there.","start":1598.22,"end":1616.625,"sentiment":"neutral","sentiment_score":0.15560276558001837},{"text":"So when you receive that email, the option is sign documents.","start":1616.625,"end":1622.485,"sentiment":"neutral","sentiment_score":0.07663807848637755},{"text":"If you just click on that, that's gonna open up the documents.","start":1622.5449,"end":1625.7,"sentiment":"neutral","sentiment_score":0.05307230974237124},{"text":"You're not signing anything at the moment.","start":1625.76,"end":1627.86,"sentiment":"neutral","sentiment_score":-0.20508806939635957}],"sentiment":"neutral","sentiment_score":0.08857788065714496,"channel":0,"num_words":70,"start":1597.42,"end":1627.86},{"sentences":[{"text":"We're just gonna talk through them,","start":1627.9199,"end":1629.7,"sentiment":"neutral","sentiment_score":-0.05135728480915228}],"sentiment":"neutral","sentiment_score":-0.05135728480915228,"channel":0,"num_words":6,"start":1627.9199,"end":1629.7},{"sentences":[{"text":"Yep.","start":1630.4851,"end":1630.9851,"sentiment":"neutral","sentiment_score":-0.033957626670598984}],"sentiment":"neutral","sentiment_score":-0.033957626670598984,"channel":1,"num_words":1,"start":1630.4851,"end":1630.9851},{"sentences":[{"text":"and then we'll go from there.","start":1630.5599,"end":1632.6599,"sentiment":"neutral","sentiment_score":-0.01717515770966808}],"sentiment":"neutral","sentiment_score":-0.01717515770966808,"channel":0,"num_words":6,"start":1630.5599,"end":1632.6599},{"sentences":[{"text":"Okay.","start":1633.045,"end":1633.525,"sentiment":"neutral","sentiment_score":0.06375548243522644},{"text":"Yep.","start":1633.525,"end":1633.925,"sentiment":"neutral","sentiment_score":0.08002704381942749},{"text":"Got it.","start":1633.925,"end":1634.665,"sentiment":"neutral","sentiment_score":0.1584097370505333}],"sentiment":"neutral","sentiment_score":0.11515050008893013,"channel":1,"num_words":4,"start":1633.045,"end":1634.665},{"sentences":[{"text":"Okay.","start":1635.84,"end":1636.155,"sentiment":"neutral","sentiment_score":0.2638883888721466},{"text":"Lovely.","start":1636.875,"end":1637.275,"sentiment":"positive","sentiment_score":0.43727749586105347},{"text":"So let me know when you've got those documents open.","start":1637.275,"end":1639.775,"sentiment":"neutral","sentiment_score":0.1802089534699917}],"sentiment":"neutral","sentiment_score":0.20860461828609309,"channel":0,"num_words":12,"start":1635.84,"end":1639.775},{"sentences":[{"text":"Yep.","start":1640.5701,"end":1640.89,"sentiment":"neutral","sentiment_score":0.13872723281383514},{"text":"They're open.","start":1640.89,"end":1641.64,"sentiment":"neutral","sentiment_score":0.22506548464298248}],"sentiment":"neutral","sentiment_score":0.19628606736660004,"channel":1,"num_words":3,"start":1640.5701,"end":1641.64},{"sentences":[{"text":"Fantastic.","start":1642.555,"end":1643.055,"sentiment":"positive","sentiment_score":0.5985749959945679},{"text":"So the first document you should see is a summary of your super and insurance.","start":1643.675,"end":1648.095,"sentiment":"neutral","sentiment_score":0.23069989085197448},{"text":"So you will note it's dated as of the August 26.","start":1648.155,"end":1651.275,"sentiment":"neutral","sentiment_score":0.10162185471166264},{"text":"So that was when our our original appointment was.","start":1651.275,"end":1654.3201,"sentiment":"neutral","sentiment_score":0.0439099431451824},{"text":"So I do apologize for it being","start":1654.3201,"end":1656.26,"sentiment":"neutral","sentiment_score":-0.09294969056333814}],"sentiment":"neutral","sentiment_score":0.11445245151083137,"channel":0,"num_words":43,"start":1642.555,"end":1656.26},{"sentences":[{"text":"That's okay.","start":1656.695,"end":1657.4149,"sentiment":"neutral","sentiment_score":-0.04551484063267708}],"sentiment":"neutral","sentiment_score":-0.04551484063267708,"channel":1,"num_words":2,"start":1656.695,"end":1657.4149},{"sentences":[{"text":"probably","start":1657.04,"end":1657.54,"sentiment":"neutral","sentiment_score":-0.1673664748668671}],"sentiment":"neutral","sentiment_score":-0.1673664748668671,"channel":0,"num_words":1,"start":1657.04,"end":1657.54},{"sentences":[{"text":"I apologize","start":1657.4149,"end":1658.1549,"sentiment":"neutral","sentiment_score":-0.2802625000476837}],"sentiment":"neutral","sentiment_score":-0.2802625000476837,"channel":1,"num_words":2,"start":1657.4149,"end":1658.1549},{"sentences":[{"text":"nearly","start":1658.16,"end":1658.56,"sentiment":"neutral","sentiment_score":-0.28316202759742737}],"sentiment":"neutral","sentiment_score":-0.28316202759742737,"channel":0,"num_words":1,"start":1658.16,"end":1658.56},{"sentences":[{"text":"for moving","start":1658.2949,"end":1658.845,"sentiment":"neutral","sentiment_score":-0.28941118717193604}],"sentiment":"neutral","sentiment_score":-0.28941118717193604,"channel":1,"num_words":2,"start":1658.2949,"end":1658.845},{"sentences":[{"text":"a month","start":1658.56,"end":1659.04,"sentiment":"neutral","sentiment_score":-0.24863272905349731}],"sentiment":"neutral","sentiment_score":-0.24863272905349731,"channel":0,"num_words":2,"start":1658.56,"end":1659.04},{"sentences":[{"text":"it","start":1658.845,"end":1659.095,"sentiment":"neutral","sentiment_score":-0.2219015508890152}],"sentiment":"neutral","sentiment_score":-0.2219015508890152,"channel":1,"num_words":1,"start":1658.845,"end":1659.095},{"sentences":[{"text":"down.","start":1659.04,"end":1659.54,"sentiment":"neutral","sentiment_score":-0.14027683436870575}],"sentiment":"neutral","sentiment_score":-0.14027683436870575,"channel":0,"num_words":1,"start":1659.04,"end":1659.54},{"sentences":[{"text":"so much.","start":1659.095,"end":1660.475,"sentiment":"neutral","sentiment_score":-0.00033407285809516907}],"sentiment":"neutral","sentiment_score":-0.00033407285809516907,"channel":1,"num_words":2,"start":1659.095,"end":1660.475},{"sentences":[{"text":"No.","start":1660.0,"end":1660.4,"sentiment":"neutral","sentiment_score":-0.14289329946041107},{"text":"No.","start":1660.4,"end":1660.9,"sentiment":"neutral","sentiment_score":-0.1488625407218933},{"text":"No.","start":1661.4401,"end":1661.8401,"sentiment":"neutral","sentiment_score":-0.17378512024879456},{"text":"I completely understand.","start":1661.8401,"end":1662.9601,"sentiment":"neutral","sentiment_score":-0.10997896144787471},{"text":"I like I like flexibility.","start":1662.9601,"end":1664.26,"sentiment":"neutral","sentiment_score":0.12442818284034729}],"sentiment":"neutral","sentiment_score":-0.01575790277936242,"channel":0,"num_words":11,"start":1660.0,"end":1664.26},{"sentences":[{"text":"So if we can be flexible, that's always","start":1664.4,"end":1667.2949,"sentiment":"neutral","sentiment_score":0.14430252369493246}],"sentiment":"neutral","sentiment_score":0.14430252369493246,"channel":0,"num_words":8,"start":1664.4,"end":1667.2949},{"sentences":[{"text":"Thank","start":1667.2101,"end":1667.53,"sentiment":"positive","sentiment_score":0.344895601272583}],"sentiment":"positive","sentiment_score":0.344895601272583,"channel":1,"num_words":1,"start":1667.2101,"end":1667.53},{"sentences":[{"text":"the goal","start":1667.2949,"end":1667.695,"sentiment":"positive","sentiment_score":0.40218956768512726}],"sentiment":"positive","sentiment_score":0.40218956768512726,"channel":0,"num_words":2,"start":1667.2949,"end":1667.695},{"sentences":[{"text":"you.","start":1667.53,"end":1668.03,"sentiment":"neutral","sentiment_score":0.31511828303337097}],"sentiment":"neutral","sentiment_score":0.31511828303337097,"channel":1,"num_words":1,"start":1667.53,"end":1668.03},{"sentences":[{"text":"with our client.","start":1667.695,"end":1668.595,"sentiment":"neutral","sentiment_score":0.12868739664554596},{"text":"So it's showing that then your balance was sitting at about a $195,877 rounded up.","start":1669.455,"end":1680.115,"sentiment":"neutral","sentiment_score":0.056660994638999304},{"text":"And","start":1680.51,"end":1680.75,"sentiment":"neutral","sentiment_score":0.02859184890985489}],"sentiment":"neutral","sentiment_score":0.06655626097007801,"channel":0,"num_words":19,"start":1667.695,"end":1680.75},{"sentences":[{"text":"Mhmm.","start":1680.7051,"end":1681.2051,"sentiment":"neutral","sentiment_score":0.015524312853813171}],"sentiment":"neutral","sentiment_score":0.015524312853813171,"channel":1,"num_words":1,"start":1680.7051,"end":1681.2051},{"sentences":[{"text":"then as I mentioned earlier, your life and TPD insurance, your sums insured.","start":1680.75,"end":1685.5701,"sentiment":"neutral","sentiment_score":0.05079492697348961},{"text":"And you also have an income protection policy, which will cover you for $3,788 a month if you're unable to work due to injury or illness.","start":1686.11,"end":1696.5249,"sentiment":"neutral","sentiment_score":0.020897339169795696},{"text":"Now that is calculated as 70% of your taxable income.","start":1697.1449,"end":1701.245,"sentiment":"neutral","sentiment_score":0.03383351601660252},{"text":"So but you're some insured.","start":1702.105,"end":1704.9249,"sentiment":"neutral","sentiment_score":-0.024477404728531837},{"text":"So I am just checking to make sure that we're pretty on par with that.","start":1705.1449,"end":1710.55,"sentiment":"neutral","sentiment_score":0.006965431074301402}],"sentiment":"neutral","sentiment_score":0.022088325676926666,"channel":0,"num_words":69,"start":1680.75,"end":1710.55},{"sentences":[{"text":"Yeah.","start":1710.7849,"end":1711.1849,"sentiment":"neutral","sentiment_score":-0.32741042971611023},{"text":"That's not worth I'd rather get rid of that.","start":1711.1849,"end":1713.345,"sentiment":"negative","sentiment_score":-0.7940074470308092},{"text":"That's not worth the 300 and $3,800 a month and for what I'm paying what we're paying now, I'd rather either not have it or move that up if that's","start":1713.345,"end":1725.49,"sentiment":"negative","sentiment_score":-0.5716271261374156}],"sentiment":"negative","sentiment_score":-0.6155572809278965,"channel":1,"num_words":40,"start":1710.7849,"end":1725.49},{"sentences":[{"text":"Yep.","start":1726.625,"end":1726.945,"sentiment":"neutral","sentiment_score":-0.1278373897075653},{"text":"Okay.","start":1726.945,"end":1727.345,"sentiment":"neutral","sentiment_score":-0.12366372346878052},{"text":"So the maximum sum insured you can get is $4,141 a month.","start":1727.345,"end":1732.8849,"sentiment":"neutral","sentiment_score":-0.1324614149828752},{"text":"I would definitely not recommend getting rid of it.","start":1733.4249,"end":1737.78,"sentiment":"negative","sentiment_score":-0.6591400835249159},{"text":"The reason being is it is usually one of the main policy it is the most policy that's claimed upon.","start":1738.02,"end":1747.0,"sentiment":"neutral","sentiment_score":-0.3131425864994526}],"sentiment":"neutral","sentiment_score":-0.32642210638800334,"channel":0,"num_words":43,"start":1726.625,"end":1747.0},{"sentences":[{"text":"And given that if you were unable to work due to injury or illness, you would have no source of income.","start":1748.26,"end":1757.745,"sentiment":"negative","sentiment_score":-0.44784094322295415},{"text":"So that financial stress of mortgage repayments and debt repayments is only gonna compound.","start":1758.045,"end":1765.985,"sentiment":"negative","sentiment_score":-0.48750478667872293},{"text":"At least this way, you have some level of protection.","start":1766.76,"end":1769.9,"sentiment":"neutral","sentiment_score":-0.2389809310436249}],"sentiment":"negative","sentiment_score":-0.41376746959156463,"channel":0,"num_words":45,"start":1748.26,"end":1769.9},{"sentences":[{"text":"Okay.","start":1772.405,"end":1772.905,"sentiment":"neutral","sentiment_score":-0.038841452449560165}],"sentiment":"neutral","sentiment_score":-0.038841452449560165,"channel":1,"num_words":1,"start":1772.405,"end":1772.905},{"sentences":[{"text":"Yeah.","start":1773.48,"end":1773.8,"sentiment":"neutral","sentiment_score":-0.01051883026957512},{"text":"It I totally understand.","start":1773.8,"end":1775.88,"sentiment":"neutral","sentiment_score":0.026595666073262688},{"text":"So your superannuation fund is paying for that premium.","start":1775.88,"end":1778.7001,"sentiment":"neutral","sentiment_score":-0.07218856116135915},{"text":"At the moment, it's not coming out of your personal cash flow.","start":1779.0801,"end":1782.14,"sentiment":"neutral","sentiment_score":-0.18878960236907005},{"text":"That I would strongly recommend def definitely","start":1783.735,"end":1787.355,"sentiment":"neutral","sentiment_score":0.0006975999900272917}],"sentiment":"neutral","sentiment_score":-0.08528561348264868,"channel":0,"num_words":33,"start":1773.48,"end":1787.355},{"sentences":[{"text":"Okay.","start":1787.56,"end":1788.06,"sentiment":"neutral","sentiment_score":-0.06054700165987015}],"sentiment":"neutral","sentiment_score":-0.06054700165987015,"channel":1,"num_words":1,"start":1787.56,"end":1788.06},{"sentences":[{"text":"not canceling it.","start":1787.575,"end":1788.935,"sentiment":"neutral","sentiment_score":-0.2024779419104258},{"text":"It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in","start":1788.935,"end":1803.55,"sentiment":"neutral","sentiment_score":-0.1480998608469963}],"sentiment":"neutral","sentiment_score":-0.15392608381807804,"channel":0,"num_words":28,"start":1787.575,"end":1803.55},{"sentences":[{"text":"Okay.","start":1803.4199,"end":1803.9199,"sentiment":"neutral","sentiment_score":-0.032077856361866}],"sentiment":"neutral","sentiment_score":-0.032077856361866,"channel":1,"num_words":1,"start":1803.4199,"end":1803.9199},{"sentences":[{"text":"the event of repaying debt and those types of things because you'd be solely relying on Timothy's wage","start":1803.55,"end":1810.035,"sentiment":"neutral","sentiment_score":-0.043050780374970704}],"sentiment":"neutral","sentiment_score":-0.043050780374970704,"channel":0,"num_words":18,"start":1803.55,"end":1810.035},{"sentences":[{"text":"Yeah.","start":1811.1799,"end":1811.6799,"sentiment":"neutral","sentiment_score":0.018274130299687386},{"text":"Okay.","start":1811.82,"end":1812.2999,"sentiment":"neutral","sentiment_score":0.06287721544504166},{"text":"Fair enough.","start":1812.2999,"end":1812.94,"sentiment":"neutral","sentiment_score":0.10345064103603362},{"text":"That makes sense.","start":1812.94,"end":1813.9199,"sentiment":"neutral","sentiment_score":0.1156511977314949}],"sentiment":"neutral","sentiment_score":0.090715174430183,"channel":1,"num_words":7,"start":1811.1799,"end":1813.9199},{"sentences":[{"text":"then.","start":1813.635,"end":1814.135,"sentiment":"neutral","sentiment_score":0.03684500604867935},{"text":"Yeah.","start":1814.675,"end":1815.175,"sentiment":"neutral","sentiment_score":0.04583663493394852},{"text":"So","start":1815.395,"end":1815.635,"sentiment":"neutral","sentiment_score":0.03849717974662781}],"sentiment":"neutral","sentiment_score":0.04039294024308523,"channel":0,"num_words":3,"start":1813.635,"end":1815.635},{"sentences":[{"text":"That","start":1815.4199,"end":1815.6599,"sentiment":"neutral","sentiment_score":0.04757572337985039}],"sentiment":"neutral","sentiment_score":0.04757572337985039,"channel":1,"num_words":1,"start":1815.4199,"end":1815.6599},{"sentences":[{"text":"I","start":1815.635,"end":1815.7151,"sentiment":"neutral","sentiment_score":0.05524609982967377}],"sentiment":"neutral","sentiment_score":0.05524609982967377,"channel":0,"num_words":1,"start":1815.635,"end":1815.7151},{"sentences":[{"text":"makes","start":1815.6599,"end":1815.98,"sentiment":"neutral","sentiment_score":0.07162195444107056}],"sentiment":"neutral","sentiment_score":0.07162195444107056,"channel":1,"num_words":1,"start":1815.6599,"end":1815.98},{"sentences":[{"text":"can look","start":1815.7151,"end":1816.1951,"sentiment":"neutral","sentiment_score":0.06291685812175274}],"sentiment":"neutral","sentiment_score":0.06291685812175274,"channel":0,"num_words":2,"start":1815.7151,"end":1816.1951},{"sentences":[{"text":"sense.","start":1815.98,"end":1816.48,"sentiment":"neutral","sentiment_score":0.0577179454267025}],"sentiment":"neutral","sentiment_score":0.0577179454267025,"channel":1,"num_words":1,"start":1815.98,"end":1816.48},{"sentences":[{"text":"at I can look at bumping it up to a maximum of $4,141 a month if you want me to.","start":1816.1951,"end":1823.64,"sentiment":"neutral","sentiment_score":0.008001196524128317},{"text":"You'd have to go through underwriting.","start":1823.88,"end":1825.42,"sentiment":"neutral","sentiment_score":-0.06480237655341625},{"text":"So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires.","start":1825.56,"end":1832.22,"sentiment":"neutral","sentiment_score":-0.031475900539330075},{"text":"That process would need to occur for that increase.","start":1833.16,"end":1836.38,"sentiment":"neutral","sentiment_score":-0.05858941417601374},{"text":"And","start":1837.72,"end":1838.145,"sentiment":"neutral","sentiment_score":0.003561854362487793}],"sentiment":"neutral","sentiment_score":-0.024798721287464888,"channel":0,"num_words":57,"start":1816.1951,"end":1838.145},{"sentences":[{"text":"Just leave it as as is.","start":1838.88,"end":1840.9801,"sentiment":"neutral","sentiment_score":0.020052870114644367},{"text":"That's okay.","start":1841.28,"end":1842.18,"sentiment":"neutral","sentiment_score":0.08856677636504173}],"sentiment":"neutral","sentiment_score":0.03718134667724371,"channel":1,"num_words":8,"start":1838.88,"end":1842.18},{"sentences":[{"text":"okay.","start":1842.185,"end":1842.685,"sentiment":"neutral","sentiment_score":0.11452348530292512},{"text":"Okay.","start":1842.9451,"end":1843.4451,"sentiment":"neutral","sentiment_score":0.20653513073921204}],"sentiment":"neutral","sentiment_score":0.16052930802106857,"channel":0,"num_words":2,"start":1842.185,"end":1843.4451},{"sentences":[{"text":"Thank you.","start":1843.04,"end":1843.76,"sentiment":"positive","sentiment_score":0.4256212115287781},{"text":"I'm not going through all that again.","start":1843.76,"end":1845.52,"sentiment":"neutral","sentiment_score":-0.2621728905609676},{"text":"It's always it's always a pain, isn't it, to go through everything?","start":1845.52,"end":1849.455,"sentiment":"neutral","sentiment_score":-0.25673061547180015}],"sentiment":"neutral","sentiment_score":-0.19355881888241994,"channel":1,"num_words":21,"start":1843.04,"end":1849.455},{"sentences":[{"text":"It is.","start":1850.305,"end":1850.865,"sentiment":"neutral","sentiment_score":-0.019869664683938026},{"text":"It is.","start":1850.865,"end":1851.505,"sentiment":"neutral","sentiment_score":0.04241216741502285},{"text":"But the option at least you know the options there.","start":1851.505,"end":1853.82,"sentiment":"neutral","sentiment_score":-0.004425442218780518}],"sentiment":"neutral","sentiment_score":0.00005932737674031939,"channel":0,"num_words":14,"start":1850.305,"end":1853.82},{"sentences":[{"text":"Yep.","start":1854.3151,"end":1854.8151,"sentiment":"neutral","sentiment_score":-0.06748711317777634}],"sentiment":"neutral","sentiment_score":-0.06748711317777634,"channel":1,"num_words":1,"start":1854.3151,"end":1854.8151},{"sentences":[{"text":"So if you do have a think about it and you change your mind, you just phone back or send an email, whatever, and I'll get in contact with you again.","start":1854.38,"end":1863.2799,"sentiment":"neutral","sentiment_score":0.1336598057420023}],"sentiment":"neutral","sentiment_score":0.1336598057420023,"channel":0,"num_words":31,"start":1854.38,"end":1863.2799},{"sentences":[{"text":"Thank you.","start":1864.0,"end":1865.4601,"sentiment":"positive","sentiment_score":0.5675547122955322}],"sentiment":"positive","sentiment_score":0.5675547122955322,"channel":1,"num_words":2,"start":1864.0,"end":1865.4601},{"sentences":[{"text":"The that's okay.","start":1865.2599,"end":1866.62,"sentiment":"neutral","sentiment_score":0.19645259777704874},{"text":"And then the next policy you have down is a trauma policy with a small life policy attached, and that's costing you $19.02 per month, and that does come from your personal cash flow.","start":1866.62,"end":1879.495,"sentiment":"neutral","sentiment_score":-0.11394319234087187},{"text":"So that's deducted from most likely a bank account or a credit card.","start":1879.715,"end":1884.23,"sentiment":"neutral","sentiment_score":-0.1012061398762923}],"sentiment":"neutral","sentiment_score":-0.09200781129300595,"channel":0,"num_words":50,"start":1865.2599,"end":1884.23},{"sentences":[{"text":"Yep.","start":1884.7849,"end":1885.105,"sentiment":"neutral","sentiment_score":0.1285821497440338},{"text":"That's okay.","start":1885.105,"end":1885.825,"sentiment":"neutral","sentiment_score":0.22875691205263138},{"text":"We'll keep that one.","start":1885.825,"end":1887.0449,"sentiment":"positive","sentiment_score":0.35338065028190613}],"sentiment":"neutral","sentiment_score":0.28565979642527445,"channel":1,"num_words":7,"start":1884.7849,"end":1887.0449},{"sentences":[{"text":"Fantastic.","start":1887.8099,"end":1888.3099,"sentiment":"positive","sentiment_score":0.5574583411216736}],"sentiment":"positive","sentiment_score":0.5574583411216736,"channel":0,"num_words":1,"start":1887.8099,"end":1888.3099},{"sentences":[{"text":"What's","start":1889.0299,"end":1889.35,"sentiment":"neutral","sentiment_score":0.10083504021167757}],"sentiment":"neutral","sentiment_score":0.10083504021167757,"channel":1,"num_words":1,"start":1889.0299,"end":1889.35},{"sentences":[{"text":"Alright.","start":1889.09,"end":1889.59,"sentiment":"neutral","sentiment_score":0.06334719061851501}],"sentiment":"neutral","sentiment_score":0.06334719061851501,"channel":0,"num_words":1,"start":1889.09,"end":1889.59},{"sentences":[{"text":"the last buyback?","start":1889.35,"end":1890.4099,"sentiment":"neutral","sentiment_score":-0.03276647192736467},{"text":"Sorry.","start":1890.63,"end":1890.95,"sentiment":"neutral","sentiment_score":-0.09423726797103882},{"text":"What's last buyback?","start":1890.95,"end":1892.1699,"sentiment":"neutral","sentiment_score":-0.07628725965817769}],"sentiment":"neutral","sentiment_score":-0.06019978038966656,"channel":1,"num_words":7,"start":1889.35,"end":1892.1699},{"sentences":[{"text":"So what so the reason why the life is attached to the trauma, believe it or not, if you purchase trauma on its own, the premium is significantly higher.","start":1892.85,"end":1904.245,"sentiment":"neutral","sentiment_score":-0.17471186020250978},{"text":"If you attach a life policy that is a smaller that matches the amount of the trauma policy.","start":1904.245,"end":1911.14,"sentiment":"neutral","sentiment_score":-0.0918833894862069},{"text":"It actually discounts it.","start":1911.14,"end":1912.76,"sentiment":"neutral","sentiment_score":-0.11433723755180836},{"text":"Very backward","start":1913.0599,"end":1913.7799,"sentiment":"neutral","sentiment_score":-0.26018668711185455}],"sentiment":"neutral","sentiment_score":-0.14525032605765,"channel":0,"num_words":53,"start":1892.85,"end":1913.7799},{"sentences":[{"text":"Okay.","start":1913.5249,"end":1914.0249,"sentiment":"neutral","sentiment_score":-0.14180806279182434}],"sentiment":"neutral","sentiment_score":-0.14180806279182434,"channel":1,"num_words":1,"start":1913.5249,"end":1914.0249},{"sentences":[{"text":"way of doing it, but they do it.","start":1913.7799,"end":1915.62,"sentiment":"neutral","sentiment_score":-0.12346358969807625},{"text":"So what","start":1915.62,"end":1916.1799,"sentiment":"neutral","sentiment_score":-0.028864458203315735}],"sentiment":"neutral","sentiment_score":-0.10454376339912415,"channel":0,"num_words":10,"start":1913.7799,"end":1916.1799},{"sentences":[{"text":"Yeah.","start":1916.0399,"end":1916.5399,"sentiment":"neutral","sentiment_score":-0.032202109694480896}],"sentiment":"neutral","sentiment_score":-0.032202109694480896,"channel":1,"num_words":1,"start":1916.0399,"end":1916.5399},{"sentences":[{"text":"so, basically, what it means is you've got an additional life insurance there of $54,838.","start":1916.34,"end":1923.08,"sentiment":"neutral","sentiment_score":-0.05453141691784064},{"text":"So what life buyback means is if if you do claim on that trauma policy, if you are diagnosed with a specific illness or diagnosis,","start":1923.855,"end":1934.115,"sentiment":"neutral","sentiment_score":-0.041415951550006866}],"sentiment":"neutral","sentiment_score":-0.04633425106294453,"channel":0,"num_words":40,"start":1916.34,"end":1934.115},{"sentences":[{"text":"Yeah.","start":1935.205,"end":1935.705,"sentiment":"neutral","sentiment_score":0.04431368410587311}],"sentiment":"neutral","sentiment_score":0.04431368410587311,"channel":1,"num_words":1,"start":1935.205,"end":1935.705},{"sentences":[{"text":"you do have the ability to buy that life insurance, some insured back after a twelve month period.","start":1936.735,"end":1942.84,"sentiment":"neutral","sentiment_score":0.033528962172567844},{"text":"That's what that means.","start":1942.84,"end":1943.98,"sentiment":"neutral","sentiment_score":0.02571769617497921}],"sentiment":"neutral","sentiment_score":0.03210873199118809,"channel":0,"num_words":22,"start":1936.735,"end":1943.98},{"sentences":[{"text":"Okay.","start":1944.885,"end":1945.385,"sentiment":"neutral","sentiment_score":0.0887099876999855},{"text":"Okay.","start":1947.77,"end":1948.1699,"sentiment":"neutral","sentiment_score":0.1299268752336502},{"text":"Thank you very much.","start":1948.1699,"end":1949.39,"sentiment":"positive","sentiment_score":0.3833022788167}],"sentiment":"neutral","sentiment_score":0.2919743297000726,"channel":1,"num_words":6,"start":1944.885,"end":1949.39},{"sentences":[{"text":"That's that's absolutely fine.","start":1950.12,"end":1952.1399,"sentiment":"positive","sentiment_score":0.3756282329559326},{"text":"The next document is your performance report, so for the last twelve months.","start":1954.0651,"end":1958.805,"sentiment":"neutral","sentiment_score":-0.0002361424267292024},{"text":"The first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund.","start":1959.905,"end":1966.485,"sentiment":"neutral","sentiment_score":-0.061353266563104546},{"text":"You'll","start":1966.88,"end":1967.12,"sentiment":"neutral","sentiment_score":-0.07059679180383682}],"sentiment":"neutral","sentiment_score":0.00043222335417096206,"channel":0,"num_words":41,"start":1950.12,"end":1967.12},{"sentences":[{"text":"Yep.","start":1967.105,"end":1967.605,"sentiment":"neutral","sentiment_score":-0.11375030130147934}],"sentiment":"neutral","sentiment_score":-0.11375030130147934,"channel":1,"num_words":1,"start":1967.105,"end":1967.605},{"sentences":[{"text":"see some negative figures.","start":1967.12,"end":1968.66,"sentiment":"neutral","sentiment_score":-0.19878099858760834}],"sentiment":"neutral","sentiment_score":-0.19878099858760834,"channel":0,"num_words":4,"start":1967.12,"end":1968.66},{"sentences":[{"text":"Uh-huh.","start":1969.985,"end":1970.485,"sentiment":"neutral","sentiment_score":-0.08715106546878815}],"sentiment":"neutral","sentiment_score":-0.08715106546878815,"channel":1,"num_words":1,"start":1969.985,"end":1970.485},{"sentences":[{"text":"The bet yes.","start":1970.4,"end":1971.9401,"sentiment":"neutral","sentiment_score":-0.046261380116144814},{"text":"Yes.","start":1972.0801,"end":1972.5801,"sentiment":"neutral","sentiment_score":-0.004296736791729927},{"text":"So the Bennelong Australian Equities Fund, our our investment committee as approach is not to be reactive to negative performance because the market does have its ups","start":1972.7201,"end":1987.415,"sentiment":"neutral","sentiment_score":-0.05350088455748779}],"sentiment":"neutral","sentiment_score":-0.05121305678039789,"channel":0,"num_words":31,"start":1970.4,"end":1987.415},{"sentences":[{"text":"Such","start":1987.34,"end":1987.66,"sentiment":"neutral","sentiment_score":-0.10737022012472151}],"sentiment":"neutral","sentiment_score":-0.10737022012472151,"channel":1,"num_words":1,"start":1987.34,"end":1987.66},{"sentences":[{"text":"and downs.","start":1987.415,"end":1988.075,"sentiment":"neutral","sentiment_score":-0.11153051629662514}],"sentiment":"neutral","sentiment_score":-0.11153051629662514,"channel":0,"num_words":2,"start":1987.415,"end":1988.075},{"sentences":[{"text":"a way and changes.","start":1987.66,"end":1988.72,"sentiment":"neutral","sentiment_score":-0.051386299543082714}],"sentiment":"neutral","sentiment_score":-0.051386299543082714,"channel":1,"num_words":4,"start":1987.66,"end":1988.72},{"sentences":[{"text":"Yep.","start":1988.855,"end":1989.355,"sentiment":"neutral","sentiment_score":0.005454578902572393}],"sentiment":"neutral","sentiment_score":0.005454578902572393,"channel":0,"num_words":1,"start":1988.855,"end":1989.355},{"sentences":[{"text":"Yeah.","start":1988.86,"end":1989.1,"sentiment":"neutral","sentiment_score":0.0028134752064943314},{"text":"Yeah.","start":1989.1,"end":1989.435,"sentiment":"neutral","sentiment_score":0.0036170482635498047}],"sentiment":"neutral","sentiment_score":0.003215261735022068,"channel":1,"num_words":2,"start":1988.86,"end":1989.435},{"sentences":[{"text":"Yep.","start":1989.655,"end":1990.155,"sentiment":"neutral","sentiment_score":-0.0024589754175394773},{"text":"When things become, let's call it systemic or long term, that's when we start to review specific funds.","start":1990.375,"end":1998.57,"sentiment":"neutral","sentiment_score":-0.06467798186673059},{"text":"So the Australian share market itself has not performed badly in the last twelve months.","start":1999.19,"end":2004.47,"sentiment":"negative","sentiment_score":-0.33491706252098086},{"text":"I mean, we've had a bit of a fluctuation in the last couple of weeks, but over the long term, they the Australian share market's done pretty well.","start":2004.47,"end":2014.345,"sentiment":"neutral","sentiment_score":0.10249114888054985},{"text":"The","start":2014.6449,"end":2015.1449,"sentiment":"neutral","sentiment_score":-0.04962778836488724}],"sentiment":"neutral","sentiment_score":-0.0534967334371888,"channel":0,"num_words":63,"start":1989.655,"end":2015.1449},{"sentences":[{"text":"Okay.","start":2015.36,"end":2015.86,"sentiment":"neutral","sentiment_score":-0.07379770278930664}],"sentiment":"neutral","sentiment_score":-0.07379770278930664,"channel":1,"num_words":1,"start":2015.36,"end":2015.86},{"sentences":[{"text":"the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth.","start":2015.605,"end":2029.8201,"sentiment":"neutral","sentiment_score":-0.22101125833780869},{"text":"So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued.","start":2030.04,"end":2040.295,"sentiment":"neutral","sentiment_score":-0.08871548703831175},{"text":"So then along their investment mandate just hasn't, you know, hit hit the mark for them.","start":2040.675,"end":2049.335,"sentiment":"neutral","sentiment_score":-0.14666833635419607},{"text":"So what we're doing is as a company and and in our investment committee, we're looking at replacing Ben along with alternative suit suitable alternative if clients are happy for us to look at that for","start":2049.475,"end":2063.975,"sentiment":"neutral","sentiment_score":0.03936536516994238}],"sentiment":"neutral","sentiment_score":-0.08217607529795899,"channel":0,"num_words":98,"start":2015.605,"end":2063.975},{"sentences":[{"text":"Mhmm.","start":2065.66,"end":2065.9,"sentiment":"neutral","sentiment_score":-0.0038424022495746617},{"text":"I'd I'll take whatever.","start":2065.9,"end":2067.3599,"sentiment":"neutral","sentiment_score":-0.001813618466258049},{"text":"I mean,","start":2067.5798,"end":2067.9,"sentiment":"neutral","sentiment_score":-0.001989631913602352}],"sentiment":"neutral","sentiment_score":-0.0021537342774016516,"channel":1,"num_words":7,"start":2065.66,"end":2067.9},{"sentences":[{"text":"them.","start":2067.835,"end":2068.335,"sentiment":"neutral","sentiment_score":0.006165599450469017}],"sentiment":"neutral","sentiment_score":0.006165599450469017,"channel":0,"num_words":1,"start":2067.835,"end":2068.335},{"sentences":[{"text":"you guys are the experts.","start":2067.9,"end":2069.02,"sentiment":"neutral","sentiment_score":0.006276708841323852},{"text":"I've got no no idea.","start":2069.02,"end":2070.5398,"sentiment":"neutral","sentiment_score":-0.10894715487957},{"text":"So whatever.","start":2070.5398,"end":2072.3198,"sentiment":"neutral","sentiment_score":-0.031518345698714256}],"sentiment":"neutral","sentiment_score":-0.04803241013238827,"channel":1,"num_words":12,"start":2067.9,"end":2072.3198},{"sentences":[{"text":"Well, we're just yeah.","start":2072.195,"end":2073.955,"sentiment":"neutral","sentiment_score":0.05618040729314089},{"text":"No.","start":2073.955,"end":2074.195,"sentiment":"neutral","sentiment_score":0.048899658024311066},{"text":"We're here to partner with you and just educate.","start":2074.195,"end":2077.355,"sentiment":"neutral","sentiment_score":0.23066493537690905},{"text":"I think education is the most important thing.","start":2077.355,"end":2080.8398,"sentiment":"neutral","sentiment_score":0.2750557027757168},{"text":"We definitely are here in the background to make sure the portfolios are structured the way that they should be.","start":2081.42,"end":2087.52,"sentiment":"neutral","sentiment_score":0.29461738392710685}],"sentiment":"neutral","sentiment_score":0.24862854776992685,"channel":0,"num_words":42,"start":2072.195,"end":2087.52},{"sentences":[{"text":"But I also like to educate clients along the way as to why we're thinking certain things because it does provide a level of comfort and understanding.","start":2088.3,"end":2098.0752,"sentiment":"positive","sentiment_score":0.35913036818857547},{"text":"Yep.","start":2100.215,"end":2100.715,"sentiment":"neutral","sentiment_score":0.13292834162712097}],"sentiment":"positive","sentiment_score":0.35105172438280924,"channel":0,"num_words":28,"start":2088.3,"end":2100.715},{"sentences":[{"text":"Yep.","start":2100.99,"end":2101.49,"sentiment":"neutral","sentiment_score":0.10714748501777648}],"sentiment":"neutral","sentiment_score":0.10714748501777648,"channel":1,"num_words":1,"start":2100.99,"end":2101.49},{"sentences":[{"text":"The other there's two other funds in this portfolio that I wanna just touch on briefly as well.","start":2101.8152,"end":2107.675,"sentiment":"neutral","sentiment_score":0.1073496395515071},{"text":"The the second one is the Beta Bank hybrid fund.","start":2108.06,"end":2111.66,"sentiment":"neutral","sentiment_score":0.0870330348610878},{"text":"That's the second one down.","start":2111.66,"end":2113.1199,"sentiment":"neutral","sentiment_score":0.07436591982841492},{"text":"Nothing wrong with that fund at all, but the Australian banking system is phasing out the hybrid options from January 2027.","start":2113.98,"end":2123.835,"sentiment":"neutral","sentiment_score":-0.00787474498862312},{"text":"What I've been doing with the clients I'm working with is proactively reviewing these.","start":2124.775,"end":2131.9148,"sentiment":"neutral","sentiment_score":0.04968958308121988}],"sentiment":"neutral","sentiment_score":0.05448144085376578,"channel":0,"num_words":68,"start":2101.8152,"end":2131.9148},{"sentences":[{"text":"I don't have a crystal ball, and I don't know what's gonna happen to these hybrids or how they're gonna be valued come January 20","start":2132.295,"end":2140.88,"sentiment":"neutral","sentiment_score":-0.08022670447826385}],"sentiment":"neutral","sentiment_score":-0.08022670447826385,"channel":0,"num_words":25,"start":2132.295,"end":2140.88},{"sentences":[{"text":"Yep.","start":2140.845,"end":2141.345,"sentiment":"neutral","sentiment_score":0.01558838039636612}],"sentiment":"neutral","sentiment_score":0.01558838039636612,"channel":1,"num_words":1,"start":2140.845,"end":2141.345},{"sentences":[{"text":"'27.","start":2140.8801,"end":2141.6,"sentiment":"neutral","sentiment_score":-0.005382783245295286},{"text":"So what I'm doing is I'm working with clients to look at reviewing for alternative options,","start":2141.6,"end":2146.5,"sentiment":"neutral","sentiment_score":0.04783733549993485}],"sentiment":"neutral","sentiment_score":0.0447067402796272,"channel":0,"num_words":17,"start":2140.8801,"end":2146.5},{"sentences":[{"text":"Okay.","start":2147.165,"end":2147.665,"sentiment":"neutral","sentiment_score":0.07183069735765457}],"sentiment":"neutral","sentiment_score":0.07183069735765457,"channel":1,"num_words":1,"start":2147.165,"end":2147.665},{"sentences":[{"text":"getting a little bit more proactive in that approach because I just don't know what's gonna happen there.","start":2148.48,"end":2153.835,"sentiment":"neutral","sentiment_score":-0.0011408620824416478}],"sentiment":"neutral","sentiment_score":-0.0011408620824416478,"channel":0,"num_words":18,"start":2148.48,"end":2153.835},{"sentences":[{"text":"Yeah.","start":2154.01,"end":2154.33,"sentiment":"neutral","sentiment_score":0.09981654584407806},{"text":"Of course.","start":2154.33,"end":2155.07,"sentiment":"neutral","sentiment_score":0.13744042813777924}],"sentiment":"neutral","sentiment_score":0.12489913403987885,"channel":1,"num_words":3,"start":2154.01,"end":2155.07},{"sentences":[{"text":"Yep.","start":2155.575,"end":2156.075,"sentiment":"neutral","sentiment_score":0.1547524631023407}],"sentiment":"neutral","sentiment_score":0.1547524631023407,"channel":0,"num_words":1,"start":2155.575,"end":2156.075},{"sentences":[{"text":"That's","start":2156.17,"end":2156.57,"sentiment":"neutral","sentiment_score":0.24361103773117063}],"sentiment":"neutral","sentiment_score":0.24361103773117063,"channel":1,"num_words":1,"start":2156.17,"end":2156.57},{"sentences":[{"text":"And","start":2156.4548,"end":2156.775,"sentiment":"neutral","sentiment_score":0.2357497215270996}],"sentiment":"neutral","sentiment_score":0.2357497215270996,"channel":0,"num_words":1,"start":2156.4548,"end":2156.775},{"sentences":[{"text":"fine.","start":2156.57,"end":2156.97,"sentiment":"neutral","sentiment_score":0.26155421137809753}],"sentiment":"neutral","sentiment_score":0.26155421137809753,"channel":1,"num_words":1,"start":2156.57,"end":2156.97},{"sentences":[{"text":"then","start":2156.775,"end":2157.275,"sentiment":"neutral","sentiment_score":0.3218343257904053}],"sentiment":"neutral","sentiment_score":0.3218343257904053,"channel":0,"num_words":1,"start":2156.775,"end":2157.275},{"sentences":[{"text":"Thank you.","start":2156.97,"end":2157.79,"sentiment":"positive","sentiment_score":0.5240450501441956}],"sentiment":"positive","sentiment_score":0.5240450501441956,"channel":1,"num_words":2,"start":2156.97,"end":2157.79},{"sentences":[{"text":"thank you.","start":2158.375,"end":2159.015,"sentiment":"positive","sentiment_score":0.3350684121251106},{"text":"And then the bottom one is the Vanek Vanek Property ATS Fund.","start":2159.015,"end":2163.1948,"sentiment":"neutral","sentiment_score":-0.005021340465949227},{"text":"Underperformance in the last short term, but the property market is pretty volatile at the moment given the interest rates, not just in Australia, but America,","start":2164.44,"end":2177.9,"sentiment":"neutral","sentiment_score":-0.23196732424772704}],"sentiment":"neutral","sentiment_score":-0.1355317422945518,"channel":0,"num_words":40,"start":2158.375,"end":2177.9},{"sentences":[{"text":"We won't.","start":2177.54,"end":2178.18,"sentiment":"neutral","sentiment_score":-0.1533176228404045},{"text":"Yes.","start":2178.18,"end":2178.68,"sentiment":"neutral","sentiment_score":-0.021891925483942032}],"sentiment":"neutral","sentiment_score":-0.10950905705491702,"channel":1,"num_words":3,"start":2177.54,"end":2178.68},{"sentences":[{"text":"the","start":2179.395,"end":2179.635,"sentiment":"neutral","sentiment_score":-0.019492175430059433}],"sentiment":"neutral","sentiment_score":-0.019492175430059433,"channel":0,"num_words":1,"start":2179.395,"end":2179.635},{"sentences":[{"text":"With","start":2179.54,"end":2179.86,"sentiment":"neutral","sentiment_score":-0.045976027846336365}],"sentiment":"neutral","sentiment_score":-0.045976027846336365,"channel":1,"num_words":1,"start":2179.54,"end":2179.86},{"sentences":[{"text":"the","start":2179.635,"end":2179.955,"sentiment":"neutral","sentiment_score":-0.04111989587545395}],"sentiment":"neutral","sentiment_score":-0.04111989587545395,"channel":0,"num_words":1,"start":2179.635,"end":2179.955},{"sentences":[{"text":"the","start":2179.86,"end":2180.02,"sentiment":"neutral","sentiment_score":-0.03560458868741989}],"sentiment":"neutral","sentiment_score":-0.03560458868741989,"channel":1,"num_words":1,"start":2179.86,"end":2180.02},{"sentences":[{"text":"world.","start":2179.955,"end":2180.355,"sentiment":"neutral","sentiment_score":-0.04418659955263138}],"sentiment":"neutral","sentiment_score":-0.04418659955263138,"channel":0,"num_words":1,"start":2179.955,"end":2180.355},{"sentences":[{"text":"the whole","start":2180.02,"end":2180.66,"sentiment":"neutral","sentiment_score":-0.037534426897764206}],"sentiment":"neutral","sentiment_score":-0.037534426897764206,"channel":1,"num_words":2,"start":2180.02,"end":2180.66},{"sentences":[{"text":"But","start":2180.355,"end":2180.855,"sentiment":"neutral","sentiment_score":-0.0411754846572876}],"sentiment":"neutral","sentiment_score":-0.0411754846572876,"channel":0,"num_words":1,"start":2180.355,"end":2180.855},{"sentences":[{"text":"the whole world,","start":2180.66,"end":2181.7,"sentiment":"neutral","sentiment_score":-0.06145086511969566}],"sentiment":"neutral","sentiment_score":-0.06145086511969566,"channel":1,"num_words":3,"start":2180.66,"end":2181.7},{"sentences":[{"text":"yeah.","start":2181.635,"end":2182.135,"sentiment":"neutral","sentiment_score":-0.06654097884893417}],"sentiment":"neutral","sentiment_score":-0.06654097884893417,"channel":0,"num_words":1,"start":2181.635,"end":2182.135},{"sentences":[{"text":"isn't it?","start":2181.7,"end":2182.18,"sentiment":"neutral","sentiment_score":-0.06635312363505363},{"text":"There's just things going on in your world at the moment with everything.","start":2182.18,"end":2185.56,"sentiment":"neutral","sentiment_score":-0.12434643392379467}],"sentiment":"neutral","sentiment_score":-0.11661399255196253,"channel":1,"num_words":15,"start":2181.7,"end":2185.56},{"sentences":[{"text":"There is.","start":2186.355,"end":2187.155,"sentiment":"neutral","sentiment_score":-0.07111793011426926},{"text":"There is.","start":2187.155,"end":2187.895,"sentiment":"neutral","sentiment_score":-0.04565054923295975},{"text":"So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there.","start":2187.955,"end":2194.135,"sentiment":"neutral","sentiment_score":0.015287272081795063},{"text":"So if you're happy for me to do that, I'd like to review those three funds.","start":2194.41,"end":2198.91,"sentiment":"neutral","sentiment_score":0.09293034428264946},{"text":"Is that okay?","start":2198.97,"end":2199.79,"sentiment":"neutral","sentiment_score":0.0775513822833697}],"sentiment":"neutral","sentiment_score":0.04049605961061186,"channel":0,"num_words":45,"start":2186.355,"end":2199.79},{"sentences":[{"text":"Excellent.","start":2199.7148,"end":2200.1948,"sentiment":"positive","sentiment_score":0.3840572237968445},{"text":"Yes.","start":2200.1948,"end":2200.53,"sentiment":"neutral","sentiment_score":0.31861788034439087},{"text":"That would be great.","start":2200.61,"end":2202.1301,"sentiment":"positive","sentiment_score":0.5035197883844376},{"text":"That's fine.","start":2202.1301,"end":2202.77,"sentiment":"positive","sentiment_score":0.43536795675754547},{"text":"Thank you very much.","start":2202.77,"end":2203.99,"sentiment":"positive","sentiment_score":0.6190083771944046}],"sentiment":"positive","sentiment_score":0.5052936399976412,"channel":1,"num_words":12,"start":2199.7148,"end":2203.99},{"sentences":[{"text":"That's perfect.","start":2204.73,"end":2205.63,"sentiment":"positive","sentiment_score":0.6193958520889282},{"text":"Thank you.","start":2205.77,"end":2206.5898,"sentiment":"positive","sentiment_score":0.455327570438385},{"text":"But overall, the portfolio still didn't do too bad, to be honest with you.","start":2207.135,"end":2211.6948,"sentiment":"neutral","sentiment_score":-0.03001599745558841},{"text":"Over the last twelve months, it returned a 6.07% return.","start":2211.6948,"end":2216.275,"sentiment":"neutral","sentiment_score":-0.06696680746972561},{"text":"So with Bennelong being in there, that's actually surprising to me.","start":2216.815,"end":2223.07,"sentiment":"neutral","sentiment_score":-0.22692553428086368}],"sentiment":"neutral","sentiment_score":-0.03683656592590687,"channel":0,"num_words":39,"start":2204.73,"end":2223.07},{"sentences":[{"text":"I've seen some much lower returns, to be completely honest with you.","start":2223.07,"end":2228.37,"sentiment":"neutral","sentiment_score":-0.197038180505236},{"text":"So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio.","start":2228.51,"end":2236.785,"sentiment":"neutral","sentiment_score":0.017787381851424772}],"sentiment":"neutral","sentiment_score":-0.053821138934128814,"channel":0,"num_words":36,"start":2223.07,"end":2236.785},{"sentences":[{"text":"Mhmm.","start":2237.8599,"end":2238.3599,"sentiment":"neutral","sentiment_score":-0.011360833421349524}],"sentiment":"neutral","sentiment_score":-0.011360833421349524,"channel":1,"num_words":1,"start":2237.8599,"end":2238.3599},{"sentences":[{"text":"The next document over is an education tool I'd just like to talk through briefly.","start":2240.9248,"end":2247.35,"sentiment":"neutral","sentiment_score":0.0003729457035660744},{"text":"It's the Vanguard index chart.","start":2247.4102,"end":2249.4302,"sentiment":"neutral","sentiment_score":0.015208963677287102},{"text":"You are presently invested as a growth investor.","start":2250.37,"end":2255.4302,"sentiment":"neutral","sentiment_score":0.008429184788838029},{"text":"What that means is down the right hand side of this page, you'll see the top four assets being US shares, Australian shares, international shares, and listed property.","start":2256.29,"end":2268.315,"sentiment":"neutral","sentiment_score":0.014921274335522736}],"sentiment":"neutral","sentiment_score":0.010122645779379777,"channel":0,"num_words":56,"start":2240.9248,"end":2268.315},{"sentences":[{"text":"Yep.","start":2269.17,"end":2269.67,"sentiment":"neutral","sentiment_score":0.03481241688132286}],"sentiment":"neutral","sentiment_score":0.03481241688132286,"channel":1,"num_words":1,"start":2269.17,"end":2269.67},{"sentences":[{"text":"They're your growth they're your growth assets.","start":2269.1748,"end":2271.515,"sentiment":"neutral","sentiment_score":0.019030386049832617},{"text":"So in a gross risk profile, we typically have about 80% of your funds invested across those four sectors.","start":2272.2148,"end":2283.0999,"sentiment":"neutral","sentiment_score":-0.025940584656047195}],"sentiment":"neutral","sentiment_score":-0.013833015619848784,"channel":0,"num_words":26,"start":2269.1748,"end":2283.0999},{"sentences":[{"text":"Uh-huh.","start":2284.195,"end":2284.695,"sentiment":"neutral","sentiment_score":-0.006912399083375931}],"sentiment":"neutral","sentiment_score":-0.006912399083375931,"channel":1,"num_words":1,"start":2284.195,"end":2284.695},{"sentences":[{"text":"And then the remaining 20% is invested along across the defensive assets being your bonds, cash, and fixed interest.","start":2284.44,"end":2295.305,"sentiment":"neutral","sentiment_score":-0.008408634776347563},{"text":"So","start":2296.005,"end":2296.505,"sentiment":"neutral","sentiment_score":-0.03198982775211334}],"sentiment":"neutral","sentiment_score":-0.009587694425135851,"channel":0,"num_words":20,"start":2284.44,"end":2296.505},{"sentences":[{"text":"Yeah.","start":2296.54,"end":2297.04,"sentiment":"neutral","sentiment_score":-0.07238172739744186}],"sentiment":"neutral","sentiment_score":-0.07238172739744186,"channel":1,"num_words":1,"start":2296.54,"end":2297.04},{"sentences":[{"text":"with a growth portfolio, we do expect to see about seven to a 9% return per annum.","start":2297.445,"end":2303.4,"sentiment":"neutral","sentiment_score":-0.13888761401176453},{"text":"And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame.","start":2305.38,"end":2315.8,"sentiment":"neutral","sentiment_score":-0.2080824339184268},{"text":"So given that you have nineteen years no.","start":2316.335,"end":2320.815,"sentiment":"neutral","sentiment_score":-0.09290372859686613},{"text":"Sorry.","start":2320.815,"end":2321.135,"sentiment":"neutral","sentiment_score":-0.05683661252260208},{"text":"Not nineteen years.","start":2321.135,"end":2322.275,"sentiment":"neutral","sentiment_score":-0.10397130995988846}],"sentiment":"neutral","sentiment_score":-0.1639217309139926,"channel":0,"num_words":58,"start":2297.445,"end":2322.275},{"sentences":[{"text":"Sorry.","start":2322.4949,"end":2322.9949,"sentiment":"neutral","sentiment_score":-0.19160285592079165},{"text":"I am really bad at math today.","start":2323.135,"end":2325.315,"sentiment":"negative","sentiment_score":-0.3961778368268694}],"sentiment":"negative","sentiment_score":-0.3706059642136097,"channel":0,"num_words":8,"start":2322.4949,"end":2325.315},{"sentences":[{"text":"I'm bad all the time, so don't worry.","start":2326.46,"end":2328.48,"sentiment":"neutral","sentiment_score":-0.16099169896915555}],"sentiment":"neutral","sentiment_score":-0.16099169896915555,"channel":1,"num_words":8,"start":2326.46,"end":2328.48},{"sentences":[{"text":"You have eleven years until you're actually able to access super, so your preservation age is 60.","start":2330.38,"end":2336.0,"sentiment":"neutral","sentiment_score":-0.0045595828115063556},{"text":"You do have time on your side to hold that gross risk profile if you feel comfortable, or or you could even potentially look at upping some of that exposure to growth to see if you can get some more growth opportunities.","start":2336.6199,"end":2352.975,"sentiment":"neutral","sentiment_score":-0.004179879756910461},{"text":"It's simply a, what I like to call a sleep at night test.","start":2353.5151,"end":2358.32,"sentiment":"neutral","sentiment_score":0.05203527398407459},{"text":"If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested.","start":2358.54,"end":2367.04,"sentiment":"neutral","sentiment_score":-0.14194297697395086}],"sentiment":"neutral","sentiment_score":-0.03107542440799686,"channel":0,"num_words":96,"start":2330.38,"end":2367.04},{"sentences":[{"text":"No.","start":2368.365,"end":2368.865,"sentiment":"neutral","sentiment_score":-0.2350804507732391},{"text":"I've like I said, my my worries are more things direct that I can control and stuff with at home.","start":2369.0051,"end":2375.93,"sentiment":"negative","sentiment_score":-0.37272297888994216},{"text":"This stuff, no.","start":2375.93,"end":2377.13,"sentiment":"neutral","sentiment_score":-0.21069729824860892},{"text":"It's fine.","start":2377.13,"end":2377.79,"sentiment":"neutral","sentiment_score":-0.07239133678376675}],"sentiment":"neutral","sentiment_score":-0.3256313306494401,"channel":1,"num_words":26,"start":2368.365,"end":2377.79},{"sentences":[{"text":"Yeah.","start":2378.635,"end":2379.135,"sentiment":"neutral","sentiment_score":0.09431328624486925},{"text":"So you're happy to maintain that eighty twenty split, have 80 across those top four where you see a lot more volatility, but over the long term growth?","start":2379.355,"end":2388.3801,"sentiment":"neutral","sentiment_score":0.32049439900687765}],"sentiment":"neutral","sentiment_score":0.3126950502909463,"channel":0,"num_words":29,"start":2378.635,"end":2388.3801},{"sentences":[{"text":"Yep.","start":2389.005,"end":2389.505,"sentiment":"neutral","sentiment_score":0.14261679351329803}],"sentiment":"neutral","sentiment_score":0.14261679351329803,"channel":1,"num_words":1,"start":2389.005,"end":2389.505},{"sentences":[{"text":"Okay.","start":2390.28,"end":2390.78,"sentiment":"neutral","sentiment_score":0.22151929140090945},{"text":"Alright.","start":2391.0,"end":2391.48,"sentiment":"positive","sentiment_score":0.40156739950180054},{"text":"Lovely.","start":2391.48,"end":2391.98,"sentiment":"positive","sentiment_score":0.5032983422279358},{"text":"The next two documents are your certificates of currency from MetLife.","start":2393.1602,"end":2397.355,"sentiment":"neutral","sentiment_score":0.12918826124884866},{"text":"So what these documents are showing you is that your insurance policies are enforced and","start":2397.415,"end":2404.875,"sentiment":"neutral","sentiment_score":0.08098101218541463}],"sentiment":"neutral","sentiment_score":0.12973003757411036,"channel":0,"num_words":29,"start":2390.28,"end":2404.875},{"sentences":[{"text":"Mhmm.","start":2404.3801,"end":2404.8801,"sentiment":"neutral","sentiment_score":0.0771094486117363}],"sentiment":"neutral","sentiment_score":0.0771094486117363,"channel":1,"num_words":1,"start":2404.3801,"end":2404.8801},{"sentences":[{"text":"who your beneficiaries are, which we will have that updated for you","start":2405.095,"end":2409.915,"sentiment":"neutral","sentiment_score":0.126294057816267}],"sentiment":"neutral","sentiment_score":0.126294057816267,"channel":0,"num_words":12,"start":2405.095,"end":2409.915},{"sentences":[{"text":"Yep.","start":2410.86,"end":2411.36,"sentiment":"neutral","sentiment_score":0.07452286779880524}],"sentiment":"neutral","sentiment_score":0.07452286779880524,"channel":1,"num_words":1,"start":2410.86,"end":2411.36},{"sentences":[{"text":"to be Timothy.","start":2411.19,"end":2412.5698,"sentiment":"neutral","sentiment_score":0.06818115835388501},{"text":"And then the next document over is our financial services guide.","start":2414.63,"end":2418.95,"sentiment":"neutral","sentiment_score":0.05342894690957936},{"text":"So what that is is a legal document that we provide to clients.","start":2418.95,"end":2425.0652,"sentiment":"neutral","sentiment_score":0.0548082165993177},{"text":"It explains who we are, the type of advice we're allowed to give, how we give it, an overview of our fee structure, and importantly, if you're unhappy with any advice or services you receive, the complaint's processed.","start":2425.125,"end":2440.1401,"sentiment":"neutral","sentiment_score":0.023766893403310525},{"text":"And then the last document is your ongoing service agreement.","start":2442.6,"end":2446.06,"sentiment":"neutral","sentiment_score":0.029153902642428876}],"sentiment":"neutral","sentiment_score":0.035992662434776626,"channel":0,"num_words":75,"start":2411.19,"end":2446.06},{"sentences":[{"text":"Mhmm.","start":2445.6348,"end":2446.1348,"sentiment":"neutral","sentiment_score":-0.011608265340328217}],"sentiment":"neutral","sentiment_score":-0.011608265340328217,"channel":1,"num_words":1,"start":2445.6348,"end":2446.1348},{"sentences":[{"text":"So this is the fee that we charge you, and that's from your superannuation fund.","start":2446.12,"end":2452.1401,"sentiment":"neutral","sentiment_score":-0.05444206272562345},{"text":"And we it's a fixed fee.","start":2452.5051,"end":2456.905,"sentiment":"neutral","sentiment_score":-0.049457679192225136},{"text":"So previously, it was a percent based fee, which means each month that changed depending on the balance of the superannuation fund.","start":2456.905,"end":2464.665,"sentiment":"neutral","sentiment_score":-0.0870706828480417},{"text":"So in a good month, we'd get paid more, and in a bad month, we'd get paid less.","start":2464.665,"end":2469.27,"sentiment":"neutral","sentiment_score":-0.3188886907365587},{"text":"We don't think that that's fair or reasonable to a client or very transparent.","start":2470.45,"end":2475.27,"sentiment":"negative","sentiment_score":-0.5328271793467658}],"sentiment":"neutral","sentiment_score":-0.2163801197707653,"channel":0,"num_words":75,"start":2446.12,"end":2475.27},{"sentences":[{"text":"So what we've done is we're working through fixing client fees at the present moment to provide transparency and consistency in the in knowing what you're being charged.","start":2475.89,"end":2489.3052,"sentiment":"neutral","sentiment_score":0.09535698033869267},{"text":"So just because a portfolio performs well, that doesn't mean that we should be paid more.","start":2489.94,"end":2495.0798,"sentiment":"neutral","sentiment_score":0.07616630592383444},{"text":"It's","start":2495.7,"end":2496.0999,"sentiment":"neutral","sentiment_score":0.08960293978452682}],"sentiment":"neutral","sentiment_score":0.08840576186776161,"channel":0,"num_words":45,"start":2475.89,"end":2496.0999},{"sentences":[{"text":"Yeah.","start":2495.865,"end":2496.365,"sentiment":"neutral","sentiment_score":0.09091855585575104}],"sentiment":"neutral","sentiment_score":0.09091855585575104,"channel":1,"num_words":1,"start":2495.865,"end":2496.365},{"sentences":[{"text":"just so we've changed the fee structure to reflect the fixed fee.","start":2496.0999,"end":2501.78,"sentiment":"neutral","sentiment_score":0.07301295797030131},{"text":"So you'll see on that document, the annual fee is $3,362.73 per annum.","start":2501.78,"end":2510.085,"sentiment":"neutral","sentiment_score":0.0693927865761977},{"text":"That's then broken down and divided by 12 and deducted monthly from your super fund, which equates to approximately $280.23 per month.","start":2510.4648,"end":2522.01,"sentiment":"neutral","sentiment_score":0.05262169157239524}],"sentiment":"neutral","sentiment_score":0.06246678586652939,"channel":0,"num_words":47,"start":2496.0999,"end":2522.01},{"sentences":[{"text":"Okay.","start":2522.9348,"end":2523.4348,"sentiment":"neutral","sentiment_score":0.07883257418870926}],"sentiment":"neutral","sentiment_score":0.07883257418870926,"channel":1,"num_words":1,"start":2522.9348,"end":2523.4348},{"sentences":[{"text":"Now what that covers is your ongoing reviews with us.","start":2523.03,"end":2527.93,"sentiment":"neutral","sentiment_score":0.07753121480345726},{"text":"For example, the the time and the changes that I'm gonna research and investigate to update your portfolio.","start":2529.03,"end":2532.42,"sentiment":"neutral","sentiment_score":0.07278668425149387},{"text":"Investigate to update your portfolio.","start":2534.845,"end":2537.185,"sentiment":"neutral","sentiment_score":0.09200037121772767},{"text":"You're not also limited to just one review per year.","start":2538.685,"end":2542.065,"sentiment":"neutral","sentiment_score":0.055569981783628465},{"text":"If you like I mentioned earlier, if you if you need to reach out for anything in relation to seeking advice, you just pick up the phone and do so.","start":2542.365,"end":2554.51,"sentiment":"neutral","sentiment_score":0.11271508758266767}],"sentiment":"neutral","sentiment_score":0.08880310638310158,"channel":0,"num_words":73,"start":2523.03,"end":2554.51},{"sentences":[{"text":"And that and that's your your fee is for that service, for us to be available","start":2555.37,"end":2561.2302,"sentiment":"neutral","sentiment_score":0.1193864531815052}],"sentiment":"neutral","sentiment_score":0.1193864531815052,"channel":0,"num_words":16,"start":2555.37,"end":2561.2302},{"sentences":[{"text":"Okay.","start":2560.9849,"end":2561.4849,"sentiment":"neutral","sentiment_score":0.14161807298660278}],"sentiment":"neutral","sentiment_score":0.14161807298660278,"channel":1,"num_words":1,"start":2560.9849,"end":2561.4849},{"sentences":[{"text":"for you to you.","start":2561.37,"end":2562.83,"sentiment":"neutral","sentiment_score":0.22473572939634323}],"sentiment":"neutral","sentiment_score":0.22473572939634323,"channel":0,"num_words":4,"start":2561.37,"end":2562.83},{"sentences":[{"text":"Thank you.","start":2564.43,"end":2565.17,"sentiment":"positive","sentiment_score":0.41184569895267487}],"sentiment":"positive","sentiment_score":0.41184569895267487,"channel":1,"num_words":2,"start":2564.43,"end":2565.17},{"sentences":[{"text":"So any any questions about any of those documents?","start":2564.685,"end":2567.985,"sentiment":"neutral","sentiment_score":0.12375319169627295}],"sentiment":"neutral","sentiment_score":0.12375319169627295,"channel":0,"num_words":9,"start":2564.685,"end":2567.985},{"sentences":[{"text":"No.","start":2569.07,"end":2569.57,"sentiment":"neutral","sentiment_score":-0.04080943763256073},{"text":"No.","start":2569.79,"end":2570.19,"sentiment":"neutral","sentiment_score":-0.029774684458971024},{"text":"That","start":2570.19,"end":2570.43,"sentiment":"neutral","sentiment_score":-0.0032963380217552185}],"sentiment":"neutral","sentiment_score":-0.024626820037762325,"channel":1,"num_words":3,"start":2569.07,"end":2570.43},{"sentences":[{"text":"No?","start":2570.2852,"end":2570.7852,"sentiment":"neutral","sentiment_score":-0.030816761776804924}],"sentiment":"neutral","sentiment_score":-0.030816761776804924,"channel":0,"num_words":1,"start":2570.2852,"end":2570.7852},{"sentences":[{"text":"was all fine.","start":2570.43,"end":2571.49,"sentiment":"neutral","sentiment_score":0.09763082613547643},{"text":"Thank you.","start":2571.55,"end":2572.1099,"sentiment":"neutral","sentiment_score":0.306636705994606},{"text":"I signed it.","start":2572.1099,"end":2573.25,"sentiment":"neutral","sentiment_score":0.23089897632598877}],"sentiment":"neutral","sentiment_score":0.19985785242170095,"channel":1,"num_words":8,"start":2570.43,"end":2573.25},{"sentences":[{"text":"Oh, thank you.","start":2573.965,"end":2574.945,"sentiment":"neutral","sentiment_score":0.2839677979548772},{"text":"So I'm my action items from here is I'm gonna get some forms issued to you to change your beneficiary.","start":2575.0852,"end":2581.56,"sentiment":"neutral","sentiment_score":0.12151736058294774},{"text":"Do you have access to a printer, or would you like me to post them?","start":2582.18,"end":2586.1199,"sentiment":"neutral","sentiment_score":0.03340595898528894}],"sentiment":"neutral","sentiment_score":0.09956157869218211,"channel":0,"num_words":38,"start":2573.965,"end":2586.1199},{"sentences":[{"text":"Mhmm.","start":2586.305,"end":2586.4648,"sentiment":"neutral","sentiment_score":0.0057862140238285065},{"text":"No.","start":2586.4648,"end":2586.7048,"sentiment":"neutral","sentiment_score":-0.02841109409928322},{"text":"I've got access to a printer.","start":2586.7048,"end":2588.1448,"sentiment":"neutral","sentiment_score":-0.02133373497053981},{"text":"That's fine.","start":2588.1448,"end":2588.9648,"sentiment":"neutral","sentiment_score":0.057064155116677284}],"sentiment":"neutral","sentiment_score":-0.0036498979665338994,"channel":1,"num_words":10,"start":2586.305,"end":2588.9648},{"sentences":[{"text":"Okay.","start":2589.06,"end":2589.54,"sentiment":"neutral","sentiment_score":0.09800009429454803},{"text":"Alright.","start":2589.54,"end":2589.94,"sentiment":"neutral","sentiment_score":0.15259838104248047},{"text":"Well, I'll get those emailed out to you along with the estate planning brochure for you and Tim to have a look at.","start":2589.94,"end":2597.8948,"sentiment":"neutral","sentiment_score":0.237667515873909},{"text":"With your review frequency, are you happy to keep that as an annual review?","start":2600.9949,"end":2605.51,"sentiment":"neutral","sentiment_score":0.13497191933648928}],"sentiment":"neutral","sentiment_score":0.1950399541319945,"channel":0,"num_words":39,"start":2589.06,"end":2605.51},{"sentences":[{"text":"Yes.","start":2606.9548,"end":2607.355,"sentiment":"neutral","sentiment_score":0.112691268324852},{"text":"For the time being, that's fine.","start":2607.355,"end":2609.295,"sentiment":"neutral","sentiment_score":0.1376281132300695}],"sentiment":"neutral","sentiment_score":0.1340657068150384,"channel":1,"num_words":7,"start":2606.9548,"end":2609.295},{"sentences":[{"text":"Yeah.","start":2608.93,"end":2609.43,"sentiment":"neutral","sentiment_score":0.14064237475395203},{"text":"Okay.","start":2610.05,"end":2610.55,"sentiment":"neutral","sentiment_score":0.14210659265518188},{"text":"And the only other option that I did have here to talk to you about from a conversation with Veronica is that you she did mention that you looked at, SMAs.","start":2611.09,"end":2623.065,"sentiment":"neutral","sentiment_score":0.12703698897554028},{"text":"So that's a type of investment option held in superannuation, where the portfolio is invested, but changes are done in the background by the investment committee with when chain when changes need to be made.","start":2623.205,"end":2644.2102,"sentiment":"neutral","sentiment_score":0.0822135518704142},{"text":"SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that?","start":2644.59,"end":2654.9849,"sentiment":"positive","sentiment_score":0.36087385179667636}],"sentiment":"neutral","sentiment_score":0.18106919219813397,"channel":0,"num_words":97,"start":2608.93,"end":2654.9849},{"sentences":[{"text":"But what an SMA does is it just it provides more flexibility for quick changes should they need to be made by the investment committee and the transparency.","start":2656.405,"end":2672.51,"sentiment":"neutral","sentiment_score":0.2686787795807634},{"text":"So when you log in, for example, in your hub account, instead of seeing those listed investment funds, you will own certain shares within those funds that will be applicable to you","start":2672.81,"end":2687.135,"sentiment":"neutral","sentiment_score":0.13833809923380613}],"sentiment":"neutral","sentiment_score":0.1991637500623862,"channel":0,"num_words":60,"start":2656.405,"end":2687.135},{"sentences":[{"text":"Okay.","start":2688.6099,"end":2688.93,"sentiment":"neutral","sentiment_score":0.03693190589547157}],"sentiment":"neutral","sentiment_score":0.03693190589547157,"channel":1,"num_words":1,"start":2688.6099,"end":2688.93},{"sentences":[{"text":"within","start":2688.635,"end":2689.035,"sentiment":"neutral","sentiment_score":0.011518673039972782}],"sentiment":"neutral","sentiment_score":0.011518673039972782,"channel":0,"num_words":1,"start":2688.635,"end":2689.035},{"sentences":[{"text":"I","start":2688.93,"end":2689.0898,"sentiment":"neutral","sentiment_score":0.010351845994591711}],"sentiment":"neutral","sentiment_score":0.010351845994591711,"channel":1,"num_words":1,"start":2688.93,"end":2689.0898},{"sentences":[{"text":"your","start":2689.035,"end":2689.275,"sentiment":"neutral","sentiment_score":0.005094587802886963}],"sentiment":"neutral","sentiment_score":0.005094587802886963,"channel":0,"num_words":1,"start":2689.035,"end":2689.275},{"sentences":[{"text":"think","start":2689.0898,"end":2689.3298,"sentiment":"neutral","sentiment_score":-0.002406131476163864}],"sentiment":"neutral","sentiment_score":-0.002406131476163864,"channel":1,"num_words":1,"start":2689.0898,"end":2689.3298},{"sentences":[{"text":"super","start":2689.275,"end":2689.775,"sentiment":"neutral","sentiment_score":0.023106936365365986}],"sentiment":"neutral","sentiment_score":0.023106936365365986,"channel":0,"num_words":1,"start":2689.275,"end":2689.775},{"sentences":[{"text":"it was more","start":2689.3298,"end":2689.73,"sentiment":"neutral","sentiment_score":0.003847764184077581}],"sentiment":"neutral","sentiment_score":0.003847764184077581,"channel":1,"num_words":3,"start":2689.3298,"end":2689.73},{"sentences":[{"text":"annuation","start":2689.8,"end":2690.28,"sentiment":"neutral","sentiment_score":0.01731456071138382}],"sentiment":"neutral","sentiment_score":0.01731456071138382,"channel":0,"num_words":1,"start":2689.8,"end":2690.28},{"sentences":[{"text":"we were looking","start":2689.89,"end":2690.53,"sentiment":"neutral","sentiment_score":0.0028894549856583276}],"sentiment":"neutral","sentiment_score":0.0028894549856583276,"channel":1,"num_words":3,"start":2689.89,"end":2690.53},{"sentences":[{"text":"fund.","start":2690.28,"end":2690.78,"sentiment":"neutral","sentiment_score":0.010612696409225464}],"sentiment":"neutral","sentiment_score":0.010612696409225464,"channel":0,"num_words":1,"start":2690.28,"end":2690.78},{"sentences":[{"text":"at a property.","start":2690.53,"end":2691.5898,"sentiment":"neutral","sentiment_score":0.012081976979970932},{"text":"More property.","start":2693.795,"end":2694.775,"sentiment":"neutral","sentiment_score":0.017794343177229166}],"sentiment":"neutral","sentiment_score":0.014366923458874225,"channel":1,"num_words":5,"start":2690.53,"end":2694.775},{"sentences":[{"text":"Property?","start":2695.32,"end":2695.82,"sentiment":"neutral","sentiment_score":0.026118485257029533}],"sentiment":"neutral","sentiment_score":0.026118485257029533,"channel":0,"num_words":1,"start":2695.32,"end":2695.82},{"sentences":[{"text":"Yeah.","start":2696.355,"end":2696.6748,"sentiment":"neutral","sentiment_score":0.04159998893737793}],"sentiment":"neutral","sentiment_score":0.04159998893737793,"channel":1,"num_words":1,"start":2696.355,"end":2696.6748},{"sentences":[{"text":"Let","start":2696.36,"end":2696.86,"sentiment":"neutral","sentiment_score":0.041331127285957336}],"sentiment":"neutral","sentiment_score":0.041331127285957336,"channel":0,"num_words":1,"start":2696.36,"end":2696.86},{"sentences":[{"text":"Buying a","start":2696.6748,"end":2697.1548,"sentiment":"neutral","sentiment_score":0.06128300726413727}],"sentiment":"neutral","sentiment_score":0.06128300726413727,"channel":1,"num_words":2,"start":2696.6748,"end":2697.1548},{"sentences":[{"text":"let","start":2697.0,"end":2697.5,"sentiment":"neutral","sentiment_score":0.07355495542287827}],"sentiment":"neutral","sentiment_score":0.07355495542287827,"channel":0,"num_words":1,"start":2697.0,"end":2697.5},{"sentences":[{"text":"property when we're looking at all of that.","start":2697.1548,"end":2699.335,"sentiment":"neutral","sentiment_score":0.06555555714294314}],"sentiment":"neutral","sentiment_score":0.06555555714294314,"channel":1,"num_words":8,"start":2697.1548,"end":2699.335},{"sentences":[{"text":"okay.","start":2700.04,"end":2700.54,"sentiment":"neutral","sentiment_score":0.07492411136627197},{"text":"Let me have a quick sticky beak this other option.","start":2701.08,"end":2715.6748,"sentiment":"neutral","sentiment_score":0.06847757324576378},{"text":"Yeah.","start":2717.4949,"end":2717.7349,"sentiment":"neutral","sentiment_score":0.0874432623386383},{"text":"It just said SMA, but we can definitely talk about property if that's something that you wanted to talk about.","start":2717.7349,"end":2725.49,"sentiment":"neutral","sentiment_score":0.11211690828204154}],"sentiment":"neutral","sentiment_score":0.0965462897438556,"channel":0,"num_words":32,"start":2700.04,"end":2725.49},{"sentences":[{"text":"Yeah.","start":2726.085,"end":2726.565,"sentiment":"neutral","sentiment_score":-0.01320101134479046},{"text":"Not at","start":2726.565,"end":2726.9648,"sentiment":"neutral","sentiment_score":-0.041270315647125244}],"sentiment":"neutral","sentiment_score":-0.03191388087968031,"channel":1,"num_words":3,"start":2726.085,"end":2726.9648},{"sentences":[{"text":"Be","start":2726.83,"end":2727.15,"sentiment":"neutral","sentiment_score":-0.03654926642775536}],"sentiment":"neutral","sentiment_score":-0.03654926642775536,"channel":0,"num_words":1,"start":2726.83,"end":2727.15},{"sentences":[{"text":"the moment.","start":2726.9648,"end":2727.625,"sentiment":"neutral","sentiment_score":-0.060203371569514275}],"sentiment":"neutral","sentiment_score":-0.060203371569514275,"channel":1,"num_words":2,"start":2726.9648,"end":2727.625},{"sentences":[{"text":"be","start":2727.15,"end":2727.65,"sentiment":"neutral","sentiment_score":-0.06466856598854065}],"sentiment":"neutral","sentiment_score":-0.06466856598854065,"channel":0,"num_words":1,"start":2727.15,"end":2727.65},{"sentences":[{"text":"Hey.","start":2727.845,"end":2728.085,"sentiment":"neutral","sentiment_score":-0.05941007286310196},{"text":"There's too","start":2728.085,"end":2728.565,"sentiment":"neutral","sentiment_score":-0.07634133100509644}],"sentiment":"neutral","sentiment_score":-0.07069757829109828,"channel":1,"num_words":3,"start":2727.845,"end":2728.565},{"sentences":[{"text":"yeah.","start":2728.43,"end":2728.93,"sentiment":"neutral","sentiment_score":-0.09636888653039932}],"sentiment":"neutral","sentiment_score":-0.09636888653039932,"channel":0,"num_words":1,"start":2728.43,"end":2728.93},{"sentences":[{"text":"much going on.","start":2728.565,"end":2729.365,"sentiment":"neutral","sentiment_score":-0.12596148500839868},{"text":"I just wanna leave.","start":2729.365,"end":2730.585,"sentiment":"neutral","sentiment_score":-0.08727381192147732},{"text":"Yeah.","start":2730.645,"end":2731.145,"sentiment":"neutral","sentiment_score":-0.08430953323841095},{"text":"I don't have","start":2731.285,"end":2731.845,"sentiment":"neutral","sentiment_score":-0.12024355431397755}],"sentiment":"neutral","sentiment_score":-0.10654726353558627,"channel":1,"num_words":11,"start":2728.565,"end":2731.845},{"sentences":[{"text":"I","start":2731.725,"end":2731.965,"sentiment":"neutral","sentiment_score":-0.14361555874347687}],"sentiment":"neutral","sentiment_score":-0.14361555874347687,"channel":0,"num_words":1,"start":2731.725,"end":2731.965},{"sentences":[{"text":"to","start":2731.845,"end":2732.005,"sentiment":"neutral","sentiment_score":-0.1656033992767334}],"sentiment":"neutral","sentiment_score":-0.1656033992767334,"channel":1,"num_words":1,"start":2731.845,"end":2732.005},{"sentences":[{"text":"understand.","start":2731.965,"end":2732.465,"sentiment":"neutral","sentiment_score":-0.15838168561458588}],"sentiment":"neutral","sentiment_score":-0.15838168561458588,"channel":0,"num_words":1,"start":2731.965,"end":2732.465},{"sentences":[{"text":"explain for it, though.","start":2732.005,"end":2733.385,"sentiment":"neutral","sentiment_score":-0.13096028938889503},{"text":"Thank you.","start":2733.4448,"end":2734.1848,"sentiment":"neutral","sentiment_score":0.10047300904989243}],"sentiment":"neutral","sentiment_score":-0.05381585657596588,"channel":1,"num_words":6,"start":2732.005,"end":2734.1848},{"sentences":[{"text":"Yeah.","start":2734.365,"end":2734.7651,"sentiment":"neutral","sentiment_score":0.0806182473897934},{"text":"I understand completely.","start":2734.7651,"end":2736.145,"sentiment":"neutral","sentiment_score":0.11200337360302608},{"text":"Alright.","start":2737.405,"end":2737.725,"sentiment":"neutral","sentiment_score":0.16462647914886477},{"text":"So I'm gonna probably reach out in I can probably book it in now if you have time for about two weeks' time so I can just present the changes to you to make to that superannuation fund.","start":2737.725,"end":2750.98,"sentiment":"neutral","sentiment_score":0.17797164226833143},{"text":"Would that be okay?","start":2750.98,"end":2752.12,"sentiment":"neutral","sentiment_score":0.12335440702736378}],"sentiment":"neutral","sentiment_score":0.16675733790752736,"channel":0,"num_words":47,"start":2734.365,"end":2752.12},{"sentences":[{"text":"Yes.","start":2753.025,"end":2753.525,"sentiment":"neutral","sentiment_score":0.0542941614985466},{"text":"Two weeks.","start":2755.025,"end":2755.845,"sentiment":"neutral","sentiment_score":0.038822367787361145},{"text":"One, two, eight.","start":2756.145,"end":2759.2048,"sentiment":"neutral","sentiment_score":0.0386811892191569},{"text":"I hope it takes October 8.","start":2760.145,"end":2762.145,"sentiment":"neutral","sentiment_score":0.053091540932655334},{"text":"Is that correct?","start":2762.145,"end":2763.045,"sentiment":"neutral","sentiment_score":0.057992966224749885}],"sentiment":"neutral","sentiment_score":0.04936737393339475,"channel":1,"num_words":15,"start":2753.025,"end":2763.045},{"sentences":[{"text":"Yeah.","start":2763.845,"end":2764.245,"sentiment":"neutral","sentiment_score":0.06126900017261505}],"sentiment":"neutral","sentiment_score":0.06126900017261505,"channel":0,"num_words":1,"start":2763.845,"end":2764.245},{"sentences":[{"text":"Correct.","start":2764.2249,"end":2764.7249,"sentiment":"neutral","sentiment_score":0.06663435697555542}],"sentiment":"neutral","sentiment_score":0.06663435697555542,"channel":1,"num_words":1,"start":2764.2249,"end":2764.7249},{"sentences":[{"text":"Did you have any afternoon availability at all on that day?","start":2764.245,"end":2767.545,"sentiment":"neutral","sentiment_score":0.05581662058830261}],"sentiment":"neutral","sentiment_score":0.05581662058830261,"channel":0,"num_words":11,"start":2764.245,"end":2767.545},{"sentences":[{"text":"I've got lots of dogs.","start":2771.1,"end":2772.6401,"sentiment":"neutral","sentiment_score":0.04709909781813622}],"sentiment":"neutral","sentiment_score":0.04709909781813622,"channel":1,"num_words":5,"start":2771.1,"end":2772.6401},{"sentences":[{"text":"It doesn't have to be the eight on the dot.","start":2773.685,"end":2777.07,"sentiment":"neutral","sentiment_score":0.029574436508119105},{"text":"It could be just sometime that week if you like.","start":2777.07,"end":2779.73,"sentiment":"neutral","sentiment_score":0.06384586729109287},{"text":"I can I can be pretty flexible with","start":2781.55,"end":2783.81,"sentiment":"neutral","sentiment_score":0.10009947139769793}],"sentiment":"neutral","sentiment_score":0.061964243184775114,"channel":0,"num_words":28,"start":2773.685,"end":2783.81},{"sentences":[{"text":"The next","start":2784.395,"end":2785.0352,"sentiment":"neutral","sentiment_score":0.008444213308393955}],"sentiment":"neutral","sentiment_score":0.008444213308393955,"channel":1,"num_words":2,"start":2784.395,"end":2785.0352},{"sentences":[{"text":"timing?","start":2784.6702,"end":2785.1702,"sentiment":"neutral","sentiment_score":0.011901813559234142}],"sentiment":"neutral","sentiment_score":0.011901813559234142,"channel":0,"num_words":1,"start":2784.6702,"end":2785.1702},{"sentences":[{"text":"the next week would probably be better if that's okay.","start":2785.0352,"end":2787.935,"sentiment":"neutral","sentiment_score":0.010007194429636001}],"sentiment":"neutral","sentiment_score":0.010007194429636001,"channel":1,"num_words":10,"start":2785.0352,"end":2787.935},{"sentences":[{"text":"Yes.","start":2787.79,"end":2788.29,"sentiment":"neutral","sentiment_score":0.06957079470157623},{"text":"Of","start":2788.59,"end":2788.83,"sentiment":"neutral","sentiment_score":0.061123982071876526}],"sentiment":"neutral","sentiment_score":0.06534738838672638,"channel":0,"num_words":2,"start":2787.79,"end":2788.83},{"sentences":[{"text":"And","start":2788.715,"end":2788.955,"sentiment":"neutral","sentiment_score":0.06742438673973083}],"sentiment":"neutral","sentiment_score":0.06742438673973083,"channel":1,"num_words":1,"start":2788.715,"end":2788.955},{"sentences":[{"text":"course.","start":2788.83,"end":2789.33,"sentiment":"neutral","sentiment_score":0.09817048162221909}],"sentiment":"neutral","sentiment_score":0.09817048162221909,"channel":0,"num_words":1,"start":2788.83,"end":2789.33},{"sentences":[{"text":"I can do any afternoon by Thursday.","start":2788.955,"end":2791.6152,"sentiment":"neutral","sentiment_score":0.09865000631128039}],"sentiment":"neutral","sentiment_score":0.09865000631128039,"channel":1,"num_words":7,"start":2788.955,"end":2791.6152},{"sentences":[{"text":"Okay.","start":2792.795,"end":2793.195,"sentiment":"neutral","sentiment_score":0.07993324846029282},{"text":"Do you want around the same time that we did this morning on Thursday, the fifteenth?","start":2793.195,"end":2798.015,"sentiment":"neutral","sentiment_score":0.07289881119504571}],"sentiment":"neutral","sentiment_score":0.07331260162241318,"channel":0,"num_words":17,"start":2792.795,"end":2798.015},{"sentences":[{"text":"Yeah.","start":2798.68,"end":2799.0,"sentiment":"neutral","sentiment_score":0.1805495917797089},{"text":"That would be great.","start":2799.0,"end":2800.0598,"sentiment":"positive","sentiment_score":0.3857048600912094}],"sentiment":"positive","sentiment_score":0.3446738064289093,"channel":1,"num_words":5,"start":2798.68,"end":2800.0598},{"sentences":[{"text":"Okay.","start":2800.795,"end":2801.295,"sentiment":"positive","sentiment_score":0.4072495102882385},{"text":"Fantastic.","start":2801.355,"end":2801.855,"sentiment":"positive","sentiment_score":0.6247837543487549},{"text":"I'll book that in, and I'll send you through a calendar invite so you've got that.","start":2802.06,"end":2807.84,"sentiment":"positive","sentiment_score":0.4668358080089092}],"sentiment":"positive","sentiment_score":0.47230034404330784,"channel":0,"num_words":18,"start":2800.795,"end":2807.84},{"sentences":[{"text":"Okay.","start":2808.995,"end":2809.495,"sentiment":"neutral","sentiment_score":0.2874254584312439},{"text":"Thank you very much.","start":2809.635,"end":2810.8352,"sentiment":"positive","sentiment_score":0.44234832376241684},{"text":"Hopefully, I'm in better spirits then.","start":2810.8352,"end":2812.435,"sentiment":"neutral","sentiment_score":0.27778201053539914},{"text":"I'm sorry.","start":2812.435,"end":2813.175,"sentiment":"neutral","sentiment_score":-0.13983190059661865}],"sentiment":"neutral","sentiment_score":0.26491130888462067,"channel":1,"num_words":13,"start":2808.995,"end":2813.175},{"sentences":[{"text":"Oh, no, Lee.","start":2814.22,"end":2815.1,"sentiment":"neutral","sentiment_score":-0.08726832022269566},{"text":"I completely understand.","start":2815.1,"end":2816.1602,"sentiment":"neutral","sentiment_score":0.06375172734260559},{"text":"The financial stress that everyone's experiencing at the moment is it it's widespread.","start":2816.22,"end":2822.605,"sentiment":"neutral","sentiment_score":-0.3215345556919391}],"sentiment":"neutral","sentiment_score":-0.22371047382291995,"channel":0,"num_words":19,"start":2814.22,"end":2822.605},{"sentences":[{"text":"Yes.","start":2823.58,"end":2824.08,"sentiment":"neutral","sentiment_score":-0.10719151794910432}],"sentiment":"neutral","sentiment_score":-0.10719151794910432,"channel":1,"num_words":1,"start":2823.58,"end":2824.08},{"sentences":[{"text":"And","start":2823.625,"end":2824.125,"sentiment":"neutral","sentiment_score":-0.20680028200149536}],"sentiment":"neutral","sentiment_score":-0.20680028200149536,"channel":0,"num_words":1,"start":2823.625,"end":2824.125},{"sentences":[{"text":"I know.","start":2824.22,"end":2824.62,"sentiment":"neutral","sentiment_score":-0.23220382630825043},{"text":"And our stupid government don't help it.","start":2824.62,"end":2827.2,"sentiment":"negative","sentiment_score":-0.5330460497311184},{"text":"They just make things","start":2827.5,"end":2828.3801,"sentiment":"negative","sentiment_score":-0.5177278518676758}],"sentiment":"negative","sentiment_score":-0.4820493390926948,"channel":1,"num_words":13,"start":2824.22,"end":2828.3801},{"sentences":[{"text":"yeah.","start":2828.105,"end":2828.605,"sentiment":"negative","sentiment_score":-0.3351125121116638}],"sentiment":"negative","sentiment_score":-0.3351125121116638,"channel":0,"num_words":1,"start":2828.105,"end":2828.605},{"sentences":[{"text":"worse.","start":2828.3801,"end":2828.8801,"sentiment":"negative","sentiment_score":-0.47599637508392334},{"text":"Anyway","start":2829.74,"end":2830.24,"sentiment":"neutral","sentiment_score":-0.14295795559883118}],"sentiment":"neutral","sentiment_score":-0.30947716534137726,"channel":1,"num_words":2,"start":2828.3801,"end":2830.24},{"sentences":[{"text":"Yeah.","start":2829.865,"end":2830.365,"sentiment":"neutral","sentiment_score":-0.08160188794136047},{"text":"I'm sorry","start":2831.385,"end":2831.865,"sentiment":"neutral","sentiment_score":-0.14868051558732986}],"sentiment":"neutral","sentiment_score":-0.1263209730386734,"channel":0,"num_words":3,"start":2829.865,"end":2831.865},{"sentences":[{"text":"okay.","start":2831.6602,"end":2832.1401,"sentiment":"neutral","sentiment_score":-0.048744454979896545}],"sentiment":"neutral","sentiment_score":-0.048744454979896545,"channel":1,"num_words":1,"start":2831.6602,"end":2832.1401},{"sentences":[{"text":"that we","start":2831.865,"end":2832.2651,"sentiment":"neutral","sentiment_score":-0.05661839619278908}],"sentiment":"neutral","sentiment_score":-0.05661839619278908,"channel":0,"num_words":2,"start":2831.865,"end":2832.2651},{"sentences":[{"text":"Well,","start":2832.1401,"end":2832.3,"sentiment":"neutral","sentiment_score":-0.09245173633098602}],"sentiment":"neutral","sentiment_score":-0.09245173633098602,"channel":1,"num_words":1,"start":2832.1401,"end":2832.3},{"sentences":[{"text":"can't","start":2832.2651,"end":2832.585,"sentiment":"neutral","sentiment_score":-0.13085505366325378}],"sentiment":"neutral","sentiment_score":-0.13085505366325378,"channel":0,"num_words":1,"start":2832.2651,"end":2832.585},{"sentences":[{"text":"it was","start":2832.3,"end":2832.825,"sentiment":"neutral","sentiment_score":-0.13634276390075684}],"sentiment":"neutral","sentiment_score":-0.13634276390075684,"channel":1,"num_words":2,"start":2832.3,"end":2832.825},{"sentences":[{"text":"do anything further with","start":2832.585,"end":2834.91,"sentiment":"neutral","sentiment_score":-0.16879411228001118}],"sentiment":"neutral","sentiment_score":-0.16879411228001118,"channel":0,"num_words":4,"start":2832.585,"end":2834.91},{"sentences":[{"text":"that's that's okay.","start":2834.665,"end":2835.645,"sentiment":"neutral","sentiment_score":-0.013043957451979319},{"text":"Thank you.","start":2835.945,"end":2836.765,"sentiment":"positive","sentiment_score":0.6699746549129486},{"text":"And it was really lovely to speak to you","start":2837.065,"end":2839.145,"sentiment":"positive","sentiment_score":0.7823357383410136}],"sentiment":"positive","sentiment_score":0.5958456487527916,"channel":1,"num_words":14,"start":2834.665,"end":2839.145},{"sentences":[{"text":"that.","start":2839.1301,"end":2839.6301,"sentiment":"positive","sentiment_score":0.7046114206314087}],"sentiment":"positive","sentiment_score":0.7046114206314087,"channel":0,"num_words":1,"start":2839.1301,"end":2839.6301},{"sentences":[{"text":"and to meet you, so I appreciate","start":2839.145,"end":2841.085,"sentiment":"positive","sentiment_score":0.5686014550072807}],"sentiment":"positive","sentiment_score":0.5686014550072807,"channel":1,"num_words":7,"start":2839.145,"end":2841.085},{"sentences":[{"text":"It was lovely","start":2840.73,"end":2841.61,"sentiment":"positive","sentiment_score":0.7136908372243246}],"sentiment":"positive","sentiment_score":0.7136908372243246,"channel":0,"num_words":3,"start":2840.73,"end":2841.61},{"sentences":[{"text":"your time.","start":2841.145,"end":2841.805,"sentiment":"positive","sentiment_score":0.7460377812385559}],"sentiment":"positive","sentiment_score":0.7460377812385559,"channel":1,"num_words":2,"start":2841.145,"end":2841.805},{"sentences":[{"text":"just oh, anytime.","start":2841.61,"end":2843.21,"sentiment":"positive","sentiment_score":0.46104394396146137},{"text":"It was lovely to speak with you, and I look forward to speaking to you again in","start":2843.21,"end":2846.5828,"sentiment":"positive","sentiment_score":0.7625117021448472}],"sentiment":"positive","sentiment_score":0.7172915384173393,"channel":0,"num_words":20,"start":2841.61,"end":2846.5828},{"sentences":[{"text":"Perfect.","start":2847.8098,"end":2848.3098,"sentiment":"positive","sentiment_score":0.7442647218704224},{"text":"Thank","start":2848.5298,"end":2848.7698,"sentiment":"positive","sentiment_score":0.785013735294342}],"sentiment":"positive","sentiment_score":0.7646392285823822,"channel":1,"num_words":2,"start":2847.8098,"end":2848.7698},{"sentences":[{"text":"a few","start":2848.5828,"end":2849.1628,"sentiment":"positive","sentiment_score":0.7388713955879211}],"sentiment":"positive","sentiment_score":0.7388713955879211,"channel":0,"num_words":2,"start":2848.5828,"end":2849.1628},{"sentences":[{"text":"you very much.","start":2848.7698,"end":2849.8298,"sentiment":"positive","sentiment_score":0.7701497475306193}],"sentiment":"positive","sentiment_score":0.7701497475306193,"channel":1,"num_words":3,"start":2848.7698,"end":2849.8298},{"sentences":[{"text":"weeks.","start":2850.3428,"end":2850.5027,"sentiment":"positive","sentiment_score":0.4031659662723541},{"text":"Enjoy your day.","start":2850.5027,"end":2851.5627,"sentiment":"positive","sentiment_score":0.714735209941864}],"sentiment":"positive","sentiment_score":0.6368428990244865,"channel":0,"num_words":4,"start":2850.3428,"end":2851.5627},{"sentences":[{"text":"Thanks, Jenny.","start":2851.89,"end":2852.6099,"sentiment":"positive","sentiment_score":0.7024318277835846},{"text":"You too.","start":2852.6099,"end":2853.0098,"sentiment":"positive","sentiment_score":0.6476133167743683},{"text":"Have a great day.","start":2853.0098,"end":2854.0698,"sentiment":"positive","sentiment_score":0.7088978439569473},{"text":"Bye.","start":2854.13,"end":2854.63,"sentiment":"positive","sentiment_score":0.4266530871391296}],"sentiment":"positive","sentiment_score":0.6624816391203139,"channel":1,"num_words":9,"start":2851.89,"end":2854.63},{"sentences":[{"text":"You too.","start":2854.4229,"end":2855.0627,"sentiment":"positive","sentiment_score":0.3466832786798477},{"text":"Bye.","start":2855.0627,"end":2855.4626,"sentiment":"neutral","sentiment_score":0.2205819934606552},{"text":"Bye.","start":2855.4626,"end":2855.9626,"sentiment":"neutral","sentiment_score":0.1907738447189331}],"sentiment":"neutral","sentiment_score":0.27618059888482094,"channel":0,"num_words":4,"start":2854.4229,"end":2855.9626},{"sentences":[{"text":"Bye.","start":2855.8098,"end":2856.3098,"sentiment":"neutral","sentiment_score":-0.1034456193447113}],"sentiment":"neutral","sentiment_score":-0.1034456193447113,"channel":1,"num_words":1,"start":2855.8098,"end":2856.3098}]},"summary":{"result":"success","short":"During a conversation between a representative from Oakview Financial and Lee, they discuss Lee's investment options and retirement plans. The representative reviews Lee's income and retirement plans, noting that mortgage rates would put pressure on their finances. They also discuss the value of Toyota Kl Explorer and the process of setting up a power of attorney. The speaker emphasizes the importance of educating clients on alternative options and offers a referral process for clients. They also provide information on fee structures and ongoing service agreements, and suggest reviewing investment options and potential home equity options."},"intents":{"segments":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yes.","start_word":36,"end_word":62,"intents":[{"intent":"Report call recording","confidence_score":0.00009720465}]},{"text":"So with your income and Timothy's income, I've got yours noted as 63,180. Would that be correct?","start_word":392,"end_word":408,"intents":[{"intent":"Discuss income","confidence_score":0.00018669284}]},{"text":"What I can do, if you like, is I can send you just through to. a brochure for someone that we partner with. They're very reasonably priced compared to what I've seen Okay.","start_word":1364,"end_word":1396,"intents":[{"intent":"Provide brochure","confidence_score":0.24496347},{"intent":"Provide brochure","confidence_score":0.017084995}]},{"text":"but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide, I can.","start_word":1424,"end_word":1448,"intents":[{"intent":"Provide price guide","confidence_score":0.0664125}]},{"text":"So your We will had doesn't a union. actually expire or anything like that, and it doesn't deal with assets specifically. It's more where you want your estate to go and your wealth to go in the event of your passing.","start_word":1535,"end_word":1575,"intents":[{"intent":"Ask about estate","confidence_score":0.000014284734},{"intent":"Discuss estate plan","confidence_score":0.0031873072}]},{"text":"The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad.","start_word":1594,"end_word":1634,"intents":[{"intent":"Discuss children's wishes","confidence_score":0.0009724353}]},{"text":"The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad. Uh-huh.","start_word":1594,"end_word":1635,"intents":[{"intent":"Confirm beneficiary status","confidence_score":0.006121945}]},{"text":"Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's Yes.","start_word":1636,"end_word":1668,"intents":[{"intent":"Recommend review","confidence_score":0.0050006644}]},{"text":"Do you have a power of attorney?","start_word":1701,"end_word":1707,"intents":[{"intent":"Discuss power of attorney","confidence_score":0.0070882654}]},{"text":"So I need to Yep. appoint him as my Power of attorney. Yeah.","start_word":1879,"end_word":1891,"intents":[{"intent":"Appoint power of attorney","confidence_score":0.0907071}]},{"text":"I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer. So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too. So you can have them both set up in the one with the one in the one place. Okay.","start_word":2145,"end_word":2225,"intents":[{"intent":"Set up power of attorney form","confidence_score":0.113415085}]},{"text":"I'm gonna touch quickly on your goals and objectives that we have on file from last time. One Mhmm.","start_word":2234,"end_word":2252,"intents":[{"intent":"Discuss goals and objectives","confidence_score":0.22584039}]},{"text":"So should I add on all The Caribbean? Yes, please.","start_word":2346,"end_word":2355,"intents":[{"intent":"Add to the uk","confidence_score":0.68099093}]},{"text":"I also have that you need to finish the renovations at Home seven. and need Yes.","start_word":2364,"end_word":2379,"intents":[{"intent":"Finish renovations","confidence_score":0.14818022}]},{"text":"Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and Yeah.","start_word":2398,"end_word":2421,"intents":[{"intent":"Determine time frame","confidence_score":0.5407206}]},{"text":"I think this is a retirement goal one. Sorry. There's no link here for me to see. But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel. Is that now, like, a current lifestyle goal now, or is that Yes.","start_word":2428,"end_word":2498,"intents":[{"intent":"Educate about retirement goals","confidence_score":0.009856065}]},{"text":"wanted that, but I'd love to keep Narabim. But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell. Because we just can't keep going paying the mortgage the way it is. Yep.","start_word":2787,"end_word":2832,"intents":[{"intent":"Stay rabim and sell","confidence_score":0.0000014266811}]},{"text":"So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what Mhmm.","start_word":2942,"end_word":2998,"intents":[{"intent":"Keep track of mortgage repayments and income","confidence_score":0.024528205}]},{"text":"we if there's anything that we can do or action to I can. assist.","start_word":2999,"end_word":3012,"intents":[{"intent":"Assist with investment and investment","confidence_score":0.00033102915}]},{"text":"And your life insurance and TPD sum insured is just over 1,500,000. So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries. Yep.","start_word":3125,"end_word":3171,"intents":[{"intent":"Resolve debt issues","confidence_score":0.011630852}]},{"text":"I can make, yeah, I can make those we'll get some forms sent out for you to sign.","start_word":3509,"end_word":3526,"intents":[{"intent":"Create forms and submit forms","confidence_score":0.0016094843}]},{"text":"So we'll do we'll make that an action item post this meeting.","start_word":3536,"end_word":3547,"intents":[{"intent":"Create action item","confidence_score":0.068842694}]},{"text":"What I'm gonna do now, Lee, is do you have access to your emails at all?","start_word":3553,"end_word":3568,"intents":[{"intent":"Access email and write documents","confidence_score":0.000055551856}]},{"text":"I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there.","start_word":3571,"end_word":3609,"intents":[{"intent":"Review documents","confidence_score":0.014903582}]},{"text":"So it's showing that then your balance was sitting at about a $195,877 rounded up. And Mhmm.","start_word":3755,"end_word":3771,"intents":[{"intent":"Update balance and tpd insurance","confidence_score":0.0023966858}]},{"text":"Now that is calculated as 70% of your taxable income.","start_word":3811,"end_word":3820,"intents":[{"intent":"Calculate taxable income","confidence_score":0.08594546}]},{"text":"I would definitely not recommend getting rid of it. The reason being is it is usually one of the main policy it is the most policy that's claimed upon. And given that if you were unable to work due to injury or illness, you would have no source of income. So that financial stress of mortgage repayments and debt repayments is only gonna compound. At least this way, you have some level of protection. Okay. Yeah.","start_word":3895,"end_word":3970,"intents":[{"intent":"Recommend change","confidence_score":0.11810764},{"intent":"Recommend change","confidence_score":0.016870502}]},{"text":"It I totally understand. So your superannuation fund is paying for that premium. At the moment, it's not coming out of your personal cash flow. That I would strongly recommend def definitely Okay.","start_word":3971,"end_word":4003,"intents":[{"intent":"Verify understanding","confidence_score":0.00069419324},{"intent":"Confirm understanding","confidence_score":0.037159268},{"intent":"Confirm understanding","confidence_score":0.04280421}]},{"text":"It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in Okay.","start_word":4007,"end_word":4032,"intents":[{"intent":"Request decision","confidence_score":0.00810855}]},{"text":"So That I makes can look sense. at I can look at bumping it up to a maximum of $4,141 a month if you want me to. You'd have to go through underwriting. So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires. That process would need to occur for that increase. And Just leave it as as is. That's okay.","start_word":4060,"end_word":4131,"intents":[{"intent":"Suggest future change","confidence_score":0.00024988136},{"intent":"Recommend increment","confidence_score":0.0011481172}]},{"text":"That's okay. okay. Okay. Thank you.","start_word":4130,"end_word":4135,"intents":[{"intent":"Confirm agreement","confidence_score":0.00042095486}]},{"text":"I'm not going through all that again. It's always it's always a pain, isn't it, to go through everything? It is. It is. But the option at least you know the options there. Yep.","start_word":4136,"end_word":4169,"intents":[{"intent":"Express need to reconsider","confidence_score":0.00011234673}]},{"text":"But the option at least you know the options there. Yep.","start_word":4159,"end_word":4169,"intents":[{"intent":"Explain options","confidence_score":0.0052263234}]},{"text":"The first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund. You'll Yep.","start_word":4421,"end_word":4445,"intents":[{"intent":"Highlight funds","confidence_score":0.075161256}]},{"text":"When things become, let's call it systemic or long term, that's when we start to review specific funds. So the Australian share market itself has not performed badly in the last twelve months.","start_word":4493,"end_word":4525,"intents":[{"intent":"Review systemic changes","confidence_score":0.08076181}]},{"text":"the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth. So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued. So then along their investment mandate just hasn't, you know, hit hit the mark for them.","start_word":4556,"end_word":4617,"intents":[{"intent":"Assess portfolio valuation","confidence_score":0.0013472873}]},{"text":"So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there. So if you're happy for me to do that, I'd like to review those three funds. Is that okay?","start_word":4959,"end_word":4999,"intents":[{"intent":"Review portfolio","confidence_score":0.43116125}]},{"text":"So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there. So if you're happy for me to do that, I'd like to review those three funds. Is that okay? Excellent.","start_word":4959,"end_word":5000,"intents":[{"intent":"Review funds","confidence_score":0.8223442}]},{"text":"But overall, the portfolio still didn't do too bad, to be honest with you. Over the last twelve months, it returned a 6.07% return. So with Bennelong being in there, that's actually surprising to me. I've seen some much lower returns, to be completely honest with you. So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio.","start_word":5016,"end_word":5086,"intents":[{"intent":"Discuss portfolio","confidence_score":0.27825385},{"intent":"Discuss portfolio performance","confidence_score":0.23144175},{"intent":"Discuss portfolio portfolio","confidence_score":0.36855954},{"intent":"Discuss portfolio performance","confidence_score":0.13207898}]},{"text":"with a growth portfolio, we do expect to see about seven to a 9% return per annum. And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame. So given that you have nineteen years no. Sorry.","start_word":5193,"end_word":5247,"intents":[{"intent":"Discuss investment timeframe","confidence_score":0.013294095}]},{"text":"If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested.","start_word":5339,"end_word":5362,"intents":[{"intent":"Revisit fund investments","confidence_score":0.0011621588}]},{"text":"SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that?","start_word":5987,"end_word":6015,"intents":[{"intent":"Offer sma options","confidence_score":0.0011831331}]}]},"sentiments":{"segments":[{"text":"Hello. This is Lee. Hi, Lee. This is Jenna Phoning from Oakview Financial. How are you today? Oh, Jenna.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.18433547019958496},{"text":"We finally got to talk. I'm good. Thank you. How are you? I'm really well. Thank you.","start_word":19,"end_word":35,"sentiment":"positive","sentiment_score":0.4748819172382355},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yes. No problem. Wonderful. And can I please ask for your client password? I never remember this. I think Snoopy, would it be? I have a prompt for you, your childhood dog. Yes. Snoopy. There you are.","start_word":36,"end_word":98,"sentiment":"neutral","sentiment_score":0.0580718033015728},{"text":"Thank you so much, Lee. Thank thank you. You're absolutely welcome.","start_word":99,"end_word":109,"sentiment":"positive","sentiment_score":0.4730554521083832},{"text":"So today, we just have scheduled your annual review and to talk about some options investment options that you spoke previously about with Veronica. Do you have time to do that now? Yes. But the investment options aren't going to happen anymore just with That's the increase of the what is it?","start_word":110,"end_word":161,"sentiment":"neutral","sentiment_score":-0.021410144865512848},{"text":"The stupid mortgage rates and that coming on.","start_word":162,"end_word":169,"sentiment":"negative","sentiment_score":-0.3832947611808777},{"text":"Yeah. We won't be doing anything like that. Absolutely fine. Well, what I might do is before we start is I just wanna see and check-in with you if there's been any significant financial or personal changes No. for you? No. So I note that there's been some well, we all know that there's been some mortgage rate increases. Are they impacting you financially? Are you managing? We won't. When it once it once it goes up, it's going to put a lot of pressure Yeah. Okay. So your mortgage is sitting at 1.1. Is that correct still? on us. Yes. Yep. Okay. And do you know what your mortgage I have it in my wallet. Let me repayment just get to that. I think it's about 1,300 a week. is? No. It's 1,900 a week. 1,900 a week. Okay. Okay. Hang on. Sorry. 200 of that we paid towards credit cards. So 17 about $17.70 a week. Okay. $17.70 and then 200 to a credit card. Yes. Okay. How much is outstanding on your credit card? One of them, we have 5,000 and the other one, I think, 2,000. Okay. K. I'll just make some notes of that as I go. Okay. So I don't have to ask you again when we get to that section.","start_word":170,"end_word":386,"sentiment":"neutral","sentiment_score":-0.046209140582018735},{"text":"Thank you. You're absolutely fine.","start_word":387,"end_word":391,"sentiment":"positive","sentiment_score":0.6330873966217041},{"text":"So with your income and Timothy's income, I've got yours noted as 63,180. Would that be correct? I'm in the payroll now. Let me just go into my employees. I'm just having to look in zero for myself. Sorry. Yeah. You're absolutely fine. Annual salary, it says 71,000. 71. Okay. Okay. And do you know what Timothy is on? What his income is? He would probably be around the same. Yep. Okay. Okay. And we have your expenditure, so outside of debt repayments, being 1,150 a week. What Would would that that still be for? that would be like your living expenses. So groceries, other bills. Okay. Then, yeah, it should be. Yep. Yeah? Okay. And I've got a note here that any savings just goes into your off Oh, there's never offset any savings. account. No. That's No. okay. I I understand. Do you know what your balance in your offset account is? I can have a look at that now. I think we've got 4,000 sitting there, but that's only because that's money we owe my daughter because our car we just had to pay 7,000 to my car, so we had to borrow $44,000 from her sort of savings account. So Yeah. I've Okay. had to save that back for her. So I That's think there's alright. 4,000 sitting there. Okay. No worries at all. Okay. And you are still in North Narrabeen? Yes. Yep.","start_word":392,"end_word":629,"sentiment":"neutral","sentiment_score":-0.009973980486392977},{"text":"Fantastic.","start_word":630,"end_word":630,"sentiment":"positive","sentiment_score":0.36623725295066833},{"text":"And your children, Kobe and is it Kiani? Kiani. Yep. That's right.","start_word":631,"end_word":642,"sentiment":"neutral","sentiment_score":0.15602301061153412},{"text":"That's a lovely name.","start_word":643,"end_word":646,"sentiment":"positive","sentiment_score":0.5806437730789185},{"text":"Thank you. How old are they now? Because this I have Kobe as 16 and Kiani as 14. Is that right? Oh, no. Kobe's 18, and Kian is turning 17 tomorrow. Oh my gosh.","start_word":647,"end_word":680,"sentiment":"neutral","sentiment_score":0.006619318388402462},{"text":"What an exciting time. Yes. They've definitely grown up. It goes so fast, doesn't it?","start_word":681,"end_word":695,"sentiment":"positive","sentiment_score":0.5508466958999634},{"text":"It sure does. It sure does. Do you have children? I do. I have a 10 year old daughter Uh-huh. and a seven year old son.","start_word":696,"end_word":721,"sentiment":"neutral","sentiment_score":0.15592503547668457},{"text":"Oh, beautiful. Enjoy. It does go fast.","start_word":722,"end_word":728,"sentiment":"positive","sentiment_score":0.5292523503303528},{"text":"So So fast. it goes fast, and they're driving me a bit bonkers this week. It'll last week at school. They're a bit tired and cranky, but, Yes. hopefully, they they they are back over the holidays, become my normal children again. Yes. I hope so. Do you take time off in the holidays with them? Or Sometimes where I can, I try and save as much for Christmas so Yeah. we can do stuff over the bigger break? Yep. But I'm I'm fortunate enough to have work on on a couple of days a week. We work from home in the office.","start_word":729,"end_word":831,"sentiment":"neutral","sentiment_score":0.06282150000333786},{"text":"So That's great.","start_word":832,"end_word":834,"sentiment":"positive","sentiment_score":0.5460238456726074},{"text":"I'm I get to see them, like, in Yeah.","start_word":835,"end_word":843,"sentiment":"neutral","sentiment_score":0.2589905858039856},{"text":"All good. Very nice. fortunate.","start_word":844,"end_word":848,"sentiment":"positive","sentiment_score":0.5126705169677734},{"text":"With your occupation, I have office administration as a bookkeeper at a gym. Is that right? No. I'm office No? manager at, like, a electrical company, Everest Okay. Electrical Everest Company. Electrical. Yep. And then Okay. I do part time sort of PTing now and then. Okay. Right. And I had that that's what that figure is there. It's about 14,400. For A year? the PT, no. It wouldn't Yes. be that much. No. Do Oh, you I have don't know. any Maybe. Yeah. I guess keep that. I guess so. yep. Yeah. Okay. Okay. And that says a personal trainer? Yes. Or a bookkeeper. Yeah. Yeah. Okay. Beautiful. Alright. So you're not making any additional contributions to super besides the 12%. Is that right? Yeah. No. No. That's okay. These are just little questions I've just run through to check. Yep. And we have a motor vehicle, a Toyota Kluger, valued at about 20,000. Yes. I guess so. I wouldn't know the value of it now. Hang on. Toyota Kluger '2 thousand and fourteen Grand Bay. What are they selling for? Oh, still in the twenties. But yeah. Yeah. That's right. So about $2,023,000.","start_word":849,"end_word":1043,"sentiment":"neutral","sentiment_score":0.00019186329669677293},{"text":"Perfect. Fantastic. That's great. Thank you.","start_word":1044,"end_word":1049,"sentiment":"positive","sentiment_score":0.7120158672332764},{"text":"Any other asset or liabilities that you can think You've got the credit card. My husband has an old work debt of 17,000. of? Okay. Is that tax? Or It was an overdraft that he got from the ANZ Bank and okay. or that his dad passed on to him when he took over the business, and he never managed it well. So we're now Yeah. trying to pay that down as well.","start_word":1050,"end_word":1122,"sentiment":"neutral","sentiment_score":-0.026422757655382156},{"text":"So, yes, that's another lovely debt we have from him.","start_word":1123,"end_word":1132,"sentiment":"positive","sentiment_score":0.40932637453079224},{"text":"Okay. And that was 17,000, you said? Put 18 just in case. 18? Yeah. Yeah. And how much Okay. do you pay off that regularly? Well, the new so he he kind of went into liquidation, and we had the new the guy that's been working for seventeen years came on board as well. So they restarted the business. So the new business is kind of paying it off because it was still for the old debt, and that they're kinda paying $200 here and there. So it's coming out of the business one. Okay. So Not really us, Not not our out pocket. of your personal. No. Okay. Alright. Have you ever been declared bankrupt or had No. a debt agreement? No. No. And I have you here as a nonsmoker. Is that right? Yes. Yeah. And do you have any significant health issues or take any medication? No. Just the standard supplements and things. Yeah. Yeah. That's All the stuff that you see on that'll help. So, you know, I think it's creatine and collagen yep. and age, I understand. like Do you have a will and a power of attorney? We have a widow from when Kobe was first born, and Yes? it needs to be updated. But it's one of those things I'm always gonna get to it and haven't, but I'd love I understand. I understand. What I can do, if you like, is I can send you just through to. a brochure for someone that we partner with.","start_word":1133,"end_word":1386,"sentiment":"neutral","sentiment_score":-0.030740790303767196},{"text":"They're very reasonably priced compared to what I've seen Okay.","start_word":1387,"end_word":1396,"sentiment":"positive","sentiment_score":0.4075119197368622},{"text":"in my time when you see lawyers charge for these. Yes. It might be that it's a very simple will that just needs to be replaced, Yes. but it's probably worth reaching out to them and just the brochure I send you through, it will give you a price guide, I can.","start_word":1397,"end_word":1448,"sentiment":"neutral","sentiment_score":0.15206336975097656},{"text":"and it's pretty straightforward. You can do it all virtually like we do.","start_word":1449,"end_word":1461,"sentiment":"positive","sentiment_score":0.43279725313186646},{"text":"And it's it's usually a pretty quick process if you wanna look into that, which Okay. we would Yeah. definite I think it's always at least been you've got money a will. thing. Yeah. Yeah. Yeah. But At I at don't least know you've how got one. that's true. I don't know how good it would be though because, yeah, like, we didn't have a house or anything when Kobe was born. Yeah. So your We will had doesn't a union. actually expire or anything like that, and it doesn't deal with assets specifically. It's more where you want your estate to go and your wealth to go in the event of your passing. So if it was I set can. up to go to Timothy, it would still go to Timothy. The problem is is once you have children, is that Timothy may be the only person you have nominated as a beneficiary or it may be another family member like a sister or a brother or a mom or a dad. Uh-huh. Once you have children, that's usually one of the times that we do recommend reviewing it because you'd probably want your children to be the next beneficiary after your husband if that's Yes. how how your wish is followed. So it's probably worth doing. I'll send you through that brochure anyhow so you Okay. and Timothy Thank you. can have a look at it.","start_word":1462,"end_word":1699,"sentiment":"neutral","sentiment_score":0.00275120185688138},{"text":"Great.","start_word":1700,"end_word":1700,"sentiment":"positive","sentiment_score":0.3854306936264038},{"text":"Do you have a power of attorney?","start_word":1701,"end_word":1707,"sentiment":"neutral","sentiment_score":0.0876660868525505},{"text":"No.","start_word":1708,"end_word":1708,"sentiment":"negative","sentiment_score":-0.36267754435539246},{"text":"Would that just No? be my husband? People tend to think that that's how it works. What happens is is a power of attorney covers you if you're unable to make decisions for yourself. So it might be you've suffered a medical event and you're unable to make a decision. It relates to health decisions and financial decisions. So Uh-huh.","start_word":1709,"end_word":1768,"sentiment":"neutral","sentiment_score":-0.2581481635570526},{"text":"an example would be if you are unable to make a decision or or speak with us.","start_word":1769,"end_word":1785,"sentiment":"negative","sentiment_score":-0.35535505414009094},{"text":"A perfect example Yep. would be, and, Timothy needed to ring up and claim an insurance policy or see if he can access your super to pay for medical expenses, we're actually legally not allowed to talk to him without that document. Okay. Yes. And the same goes for him. So you wouldn't legally be able to do anything. So if if, for example, Wow. you have in individual bank accounts, you the bank won't speak to you. Yeah. That's we don't have that, but I guess as far Yeah. as other things. So I need to Yep. appoint him as my Power of attorney. Yeah. power of attorney. Can you have, like, him? But what if we both pass away? Would Now then well, you have it's your not children it's as not a backup? yeah. So a power of attorney isn't really linked to passing away. It's nominating somebody that you trust to make decisions on your behalf while you're alive if you are unable to do so. So Okay. it could be health decisions even. So an example, an absolute horrible example would be a decision to turn off life life support, or it might be that yourself or Timothy are in aged care and diagnosed with, let's just say, dementia, for example, and you're Mhmm.","start_word":1786,"end_word":2004,"sentiment":"neutral","sentiment_score":-0.1618569791316986},{"text":"unable to make decisions.","start_word":2005,"end_word":2008,"sentiment":"negative","sentiment_score":-0.366553395986557},{"text":"So that document would allow that person to act on your behalf. So my own, for example, is my husband, and then if he's unable to act, it would be my sister. Okay. So you're allowed to have you can nominate several. And, you know, you can even it can even get a specific to you want someone specifically to make health decision for you and someone else to make financial decisions. State Okay. government departments, like, public trustees. You can go through, like, state government departments, like, public trustees. You will wait a little while likely to get in. And they what typically, how they charge is a percentage from the estate, so it's free to set up. But they'll take a percentage of the estate when the worst does end up happening. So Mhmm. I think so and then there's always, you know, you can download a in New South Wales, a power of attorney form online and go have it witnessed by a court officer. So there are many different ways to do it, but I'll in that brochure that I'm sending through to you, it includes the information for a power of attorney too. So you can have them both set up in the one with the one in the one place. Okay. Okay.","start_word":2009,"end_word":2226,"sentiment":"neutral","sentiment_score":0.09365687163871364},{"text":"Thank you.","start_word":2227,"end_word":2228,"sentiment":"positive","sentiment_score":0.4614071249961853},{"text":"No. That's absolutely fine.","start_word":2229,"end_word":2232,"sentiment":"neutral","sentiment_score":0.28604617714881897},{"text":"Okay. I'm gonna touch quickly on your goals and objectives that we have on file from last time.","start_word":2233,"end_word":2250,"sentiment":"positive","sentiment_score":0.3453488051891327},{"text":"One Mhmm. of them was that you would love to travel to The UK next Christmas as you have family there and then go to Greece to spread your father in law's ashes. Did you achieve that? That was, I think, for next Christmas. But Okay. For yep. I've always it was my fiftieth next year, and we always wanted to go I always wanted to go to The Caribbean. So Okay. I prefer to go to The Caribbean. So, yeah, we're still wanting to do that. Hopefully, I will. We'll see. Okay. So okay. So should I add on all The Caribbean? Yes, please. And that'll be 2020 Okay. Okay. 2027.","start_word":2251,"end_word":2362,"sentiment":"neutral","sentiment_score":0.2069119364023209},{"text":"Fantastic.","start_word":2363,"end_word":2363,"sentiment":"positive","sentiment_score":0.5648446679115295},{"text":"I also have that you need to finish the renovations at Home seven. and need Yes. to about 100,000 to do this. Is that still something that you Yes. are working towards? Yes. Yep. Any kind of time frame of when you think you will do that, or is it gonna be dependent on interest rates and Yeah. It'll just depend. yep. Okay. Yeah. I think this is a retirement goal one. Sorry. There's no link here for me to see.","start_word":2364,"end_word":2444,"sentiment":"neutral","sentiment_score":0.1189874879050034},{"text":"But it just says that you think you want financial freedom and or it to in order to be happy, you wanna be able to volunteer and help people and not having to work to survive and definitely do some travel.","start_word":2445,"end_word":2485,"sentiment":"positive","sentiment_score":0.3437075614929199},{"text":"Is that now, like, a current lifestyle goal now, or is that Yes. more to so that's now? Yeah. Tara lifestyle. And Yep. retire, Okay. but, yeah, I'd like to be able to finish the house and just, yeah, have more have more time back so we're not working to pay off the mortgage, which is always seem to be doing. Yeah. Yeah. I understand that. With your superannuation, you've said that you wanna be in a strong performing platform with good investments for growth and active management to try and mitigate losses where possible. Is that still relevant? What was that? Sorry. With your super rate superannuation fund, it says that you wanna be in a strong performing platform with good investments for growth and active management, Yeah. retirement goal, I have you wanting to retire between the ages of 60 to 65 years old with an income of 2,000 per week. Yeah? Is that 2,000 for you and Timothy? I guess so. I'm not sure Yeah. what we would need. That's obviously with the mortgage paid off. Mhmm. Yeah. Uh-huh. Yep. Per week. Okay. Combined with mortgage. The paid. I guess with the that probably leads me into a different question or a different conversation as well. With your home and the long term plans, with the kids getting older, What is yours and Timothy's plans with the home? Would you be looking to downsize at any point in time? Would you be what have you thought about those types of I would yep. If I mean, the dream is to keep that to keep Narrabeen, and we'd look at getting, like, I'd love a little country place or move away or, you know, country and beach, but a smaller home. Yes. But with maybe some land. Always Yep. wanted that, but I'd love to keep Narabim.","start_word":2486,"end_word":2794,"sentiment":"neutral","sentiment_score":0.0398364685548162},{"text":"But if we haven't and we're unable to pay off this mortgage and that then, yeah, sort of within five years, I wanna sell. Because we just can't keep going paying the mortgage the way it is.","start_word":2795,"end_word":2831,"sentiment":"negative","sentiment_score":-0.36782318353652954},{"text":"Yep. Okay. And is Timothy self employed? Sorry. I just don't know much about Timothy from these notes. Yes. I'm just Yes. trying He's he self is. employed. Okay. So his income, you said, is about 71, around the same as yours. Does he get any additional income of any additional income of any sort? No. We do look after dogs, so we get Yep. some on the side. But, Yep. obviously, that's that's not sort of on the books or anything, but that helps us survive. That's what we started with just friends, and my daughter started it actually. Okay. And then it No just worries. grew. Okay. Alright. So what we might do is just keep touching base on just keep track of the mortgage repayments and how you're going with it at our regular reviews or if it's during even during the time between our regular reviews, if there's some issues and struggling financially or financial stress, reach out, and we'll see what Mhmm. we if there's anything that we can do or action to I can. assist. So I'll leave those there. Outside of those goals and objectives, is there anything else that you're wanting to achieve in the next short to long term? Not as yet. Not at the moment. No. Like I said, there was a investment thing that we were looking at. But, Yep. yeah, I think at the moment, we did I need to concentrate on adding value to the home, I guess, if we're going and try to get that finished, if we're Yeah. going to move on from there. Understand. Understand. Okay. So with your insurances, you have life TPD and income protection. Mhmm. That's through your superannuation fund that's paid for. And your life insurance and TPD sum insured is just over 1,500,000. So looking at your debt, that looks like debt would be that figure will repay debt, and then you'll have your super your superannuation balance repaid I mean, paid left over to your beneficiaries. Yep. Is that how is is that are you happy with that level of cover? Did you need to increase Yeah. it? No. I Yep. I think just at least to make sure the the house is paid off is the main thing because then, you know, the funds will be freed up for whatever money comes in to Mhmm. survive on, so it's just getting rid of the house. Yep. Okay. So That's on that it. note, we have your beneficiary nominations for your super and your life insurance being 50% to Timothy and 25% to Kobe and 25% to Kiani. Did Yep. you want to leave them that way, or did you want to have Timothy as the beneficiary so the debts repaid? What was Oh, got you. Yeah. Maybe maybe, I guess, they're all going to Kim. Is that what will happen? Yeah. Because otherwise, you're only gonna get 500,000 of it won't he'll get half of your superannuation balance and half of your life insurance proceeds. be. Okay. So what that's another thing with a will. Now that your one of your children is 18 and the other one is 18 in twelve months' time, when funds are paid from when adult children are a beneficiary of a superannuation fund, they pay it is they pay tax. There's a taxable Yes. element on it. With Timothy, it's tax free because he's your spouse. And any tax any tax to Tim would be minimal as opposed to your adult children. So that that's how as well your will will link into this. If it goes to Tim Timothy, sorry, then the will would then dictate what happens with the remainder of the estate. So if you do your wills in conjunction with each other, if one of you pass first, usually, most couples' wills Just go are to mirrored. the other. Maybe Yes. I'll just do that especially, yeah, at the moment. Can we just do Yeah. that?","start_word":2832,"end_word":3500,"sentiment":"neutral","sentiment_score":0.05710293861003022},{"text":"I'll just make a 100% him. Thank you.","start_word":3501,"end_word":3508,"sentiment":"positive","sentiment_score":0.4602973163127899},{"text":"I can make, yeah, I can make those we'll get some forms sent out for you to sign. That would they Mhmm. do need to be signed. So we'll do we'll make that an action item post this meeting. Alright. So I've done that. What I'm gonna do now, Lee, is do you have access to your emails at all? Yes. Yeah. I'm gonna send you a email, and it's gonna have a it's gonna come from OdooSign, and it just has our it will have your review pack that we're just gonna talk through the documents that are within there. So when you receive that email, the option is sign documents. If you just click on that, that's gonna open up the documents. You're not signing anything at the moment. We're just gonna talk through them, Yep. and then we'll go from there. Okay. Yep. Got it. Okay.","start_word":3509,"end_word":3657,"sentiment":"neutral","sentiment_score":0.08802944421768188},{"text":"Lovely.","start_word":3658,"end_word":3658,"sentiment":"positive","sentiment_score":0.43727749586105347},{"text":"So let me know when you've got those documents open. Yep. They're open.","start_word":3659,"end_word":3671,"sentiment":"neutral","sentiment_score":0.1786273568868637},{"text":"Fantastic.","start_word":3672,"end_word":3672,"sentiment":"positive","sentiment_score":0.5985749959945679},{"text":"So the first document you should see is a summary of your super and insurance. So you will note it's dated as of the August 26. So that was when our our original appointment was. So I do apologize for it being That's okay. probably I apologize nearly for moving a month it down. so much. No. No. No. I completely understand. I like I like flexibility. So if we can be flexible, that's always Thank the goal you. with our client. So it's showing that then your balance was sitting at about a $195,877 rounded up. And Mhmm. then as I mentioned earlier, your life and TPD insurance, your sums insured. And you also have an income protection policy, which will cover you for $3,788 a month if you're unable to work due to injury or illness. Now that is calculated as 70% of your taxable income. So but you're some insured. So I am just checking to make sure that we're pretty on par with that. Yeah.","start_word":3673,"end_word":3841,"sentiment":"neutral","sentiment_score":0.03628390765137221},{"text":"That's not worth I'd rather get rid of that. That's not worth the 300 and $3,800 a month and for what I'm paying what we're paying now, I'd rather either not have it or move that up if that's Yep.","start_word":3842,"end_word":3881,"sentiment":"negative","sentiment_score":-0.5982813835144043},{"text":"Okay. So the maximum sum insured you can get is $4,141 a month.","start_word":3882,"end_word":3894,"sentiment":"neutral","sentiment_score":-0.12507390975952148},{"text":"I would definitely not recommend getting rid of it.","start_word":3895,"end_word":3903,"sentiment":"negative","sentiment_score":-0.6500086188316345},{"text":"The reason being is it is usually one of the main policy it is the most policy that's claimed upon.","start_word":3904,"end_word":3923,"sentiment":"neutral","sentiment_score":-0.31144070625305176},{"text":"And given that if you were unable to work due to injury or illness, you would have no source of income. So that financial stress of mortgage repayments and debt repayments is only gonna compound.","start_word":3924,"end_word":3958,"sentiment":"negative","sentiment_score":-0.46197375655174255},{"text":"At least this way, you have some level of protection. Okay. Yeah. It I totally understand. So your superannuation fund is paying for that premium. At the moment, it's not coming out of your personal cash flow. That I would strongly recommend def definitely Okay. not canceling it. It's obviously an individual decision, which I will leave to you to make, but it would have flow on effects to your financial situation in Okay. the event of repaying debt and those types of things because you'd be solely relying on Timothy's wage Yeah. Okay. Fair enough. That makes sense. then. Yeah. So That I makes can look sense. at I can look at bumping it up to a maximum of $4,141 a month if you want me to. You'd have to go through underwriting. So you might recall when you set these policies up, you had to go through an underwriting process with medical questionnaires. That process would need to occur for that increase. And Just leave it as as is. That's okay. okay. Okay.","start_word":3959,"end_word":4133,"sentiment":"neutral","sentiment_score":-0.052040569484233856},{"text":"Thank you.","start_word":4134,"end_word":4135,"sentiment":"positive","sentiment_score":0.42358267307281494},{"text":"I'm not going through all that again. It's always it's always a pain, isn't it, to go through everything? It is. It is. But the option at least you know the options there. Yep. So if you do have a think about it and you change your mind, you just phone back or send an email, whatever, and I'll get in contact with you again.","start_word":4136,"end_word":4200,"sentiment":"neutral","sentiment_score":-0.017787133959623485},{"text":"Thank you.","start_word":4201,"end_word":4202,"sentiment":"positive","sentiment_score":0.5444473028182983},{"text":"The that's okay. And then the next policy you have down is a trauma policy with a small life policy attached, and that's costing you $19.02 per month, and that does come from your personal cash flow. So that's deducted from most likely a bank account or a credit card. Yep. That's okay.","start_word":4203,"end_word":4255,"sentiment":"neutral","sentiment_score":-0.05518151447176933},{"text":"We'll keep that one. Fantastic.","start_word":4256,"end_word":4260,"sentiment":"positive","sentiment_score":0.4063698351383209},{"text":"What's Alright. the last buyback? Sorry. What's last buyback? So what so the reason why the life is attached to the trauma, believe it or not, if you purchase trauma on its own, the premium is significantly higher. If you attach a life policy that is a smaller that matches the amount of the trauma policy. It actually discounts it. Very backward Okay. way of doing it, but they do it. So what Yeah. so, basically, what it means is you've got an additional life insurance there of $54,838. So what life buyback means is if if you do claim on that trauma policy, if you are diagnosed with a specific illness or diagnosis, Yeah. you do have the ability to buy that life insurance, some insured back after a twelve month period. That's what that means. Okay. Okay.","start_word":4261,"end_word":4399,"sentiment":"neutral","sentiment_score":-0.06475020945072174},{"text":"Thank you very much. That's that's absolutely fine.","start_word":4400,"end_word":4407,"sentiment":"positive","sentiment_score":0.3875688910484314},{"text":"The next document is your performance report, so for the last twelve months. The first thing I highlight with every single client that I'm speaking with is the very first fund, the Benelon Australian Equities Fund. You'll Yep. see some negative figures. Uh-huh. The bet yes. Yes. So the Bennelong Australian Equities Fund, our our investment committee as approach is not to be reactive to negative performance because the market does have its ups Such and downs. a way and changes. Yep. Yeah. Yeah. Yep. When things become, let's call it systemic or long term, that's when we start to review specific funds. So the Australian share market itself has not performed badly in the last twelve months. I mean, we've had a bit of a fluctuation in the last couple of weeks, but over the long term, they the Australian share market's done pretty well. The Okay. the reason for Benelong's underperformance is that their mandate is that they identify undervalued companies in the Australian share market for potential growth. So in the last twelve months, it's typically been the banks and the resources that have performed well, which are obviously highly valued. So then along their investment mandate just hasn't, you know, hit hit the mark for them. So what we're doing is as a company and and in our investment committee, we're looking at replacing Ben along with alternative suit suitable alternative if clients are happy for us to look at that for Mhmm. I'd I'll take whatever. I mean, them. you guys are the experts. I've got no no idea. So whatever. Well, we're just yeah. No. We're here to partner with you and just educate. I think education is the most important thing. We definitely are here in the background to make sure the portfolios are structured the way that they should be.","start_word":4408,"end_word":4715,"sentiment":"neutral","sentiment_score":-0.023224211551926353},{"text":"But I also like to educate clients along the way as to why we're thinking certain things because it does provide a level of comfort and understanding.","start_word":4716,"end_word":4742,"sentiment":"positive","sentiment_score":0.3580279052257538},{"text":"Yep. Yep. The other there's two other funds in this portfolio that I wanna just touch on briefly as well. The the second one is the Beta Bank hybrid fund. That's the second one down. Nothing wrong with that fund at all, but the Australian banking system is phasing out the hybrid options from January 2027. What I've been doing with the clients I'm working with is proactively reviewing these. I don't have a crystal ball, and I don't know what's gonna happen to these hybrids or how they're gonna be valued come January 20 Yep. '27. So what I'm doing is I'm working with clients to look at reviewing for alternative options, Okay. getting a little bit more proactive in that approach because I just don't know what's gonna happen there. Yeah. Of course. Yep. That's And fine.","start_word":4743,"end_word":4881,"sentiment":"neutral","sentiment_score":0.028217211365699768},{"text":"then Thank you. thank you.","start_word":4882,"end_word":4886,"sentiment":"positive","sentiment_score":0.4855732321739197},{"text":"And then the bottom one is the Vanek Vanek Property ATS Fund. Underperformance in the last short term, but the property market is pretty volatile at the moment given the interest rates, not just in Australia, but America, We won't. Yes. the With the the world. the whole But the whole world, yeah. isn't it? There's just things going on in your world at the moment with everything. There is. There is. So that's another fund that I'd probably like to just look at reviewing to see if there's any other other alternatives there. So if you're happy for me to do that, I'd like to review those three funds. Is that okay?","start_word":4887,"end_word":4999,"sentiment":"neutral","sentiment_score":-0.05425989627838135},{"text":"Excellent.","start_word":5000,"end_word":5000,"sentiment":"positive","sentiment_score":0.3840572237968445},{"text":"Yes.","start_word":5001,"end_word":5001,"sentiment":"neutral","sentiment_score":0.31861788034439087},{"text":"That would be great. That's fine. Thank you very much. That's perfect. Thank you.","start_word":5002,"end_word":5015,"sentiment":"positive","sentiment_score":0.5313699841499329},{"text":"But overall, the portfolio still didn't do too bad, to be honest with you. Over the last twelve months, it returned a 6.07% return. So with Bennelong being in there, that's actually surprising to me. I've seen some much lower returns, to be completely honest with you. So your portfolio has done it's held pretty well in the last twelve months, given that Benelon was a significant part of your portfolio. Mhmm. The next document over is an education tool I'd just like to talk through briefly. It's the Vanguard index chart. You are presently invested as a growth investor. What that means is down the right hand side of this page, you'll see the top four assets being US shares, Australian shares, international shares, and listed property. Yep. They're your growth they're your growth assets. So in a gross risk profile, we typically have about 80% of your funds invested across those four sectors. Uh-huh. And then the remaining 20% is invested along across the defensive assets being your bonds, cash, and fixed interest. So Yeah. with a growth portfolio, we do expect to see about seven to a 9% return per annum. And you would think that and we would expect that one in every five years is a negative return with a minimum of a six year investment time frame. So given that you have nineteen years no. Sorry. Not nineteen years. Sorry.","start_word":5016,"end_word":5251,"sentiment":"neutral","sentiment_score":-0.06323980615805772},{"text":"I am really bad at math today.","start_word":5252,"end_word":5258,"sentiment":"negative","sentiment_score":-0.38186195492744446},{"text":"I'm bad all the time, so don't worry. You have eleven years until you're actually able to access super, so your preservation age is 60. You do have time on your side to hold that gross risk profile if you feel comfortable, or or you could even potentially look at upping some of that exposure to growth to see if you can get some more growth opportunities. It's simply a, what I like to call a sleep at night test. If you can't sleep at night and you're worried about these types of things, we probably need to revisit how the funds are invested. No.","start_word":5259,"end_word":5363,"sentiment":"neutral","sentiment_score":-0.04532181844115257},{"text":"I've like I said, my my worries are more things direct that I can control and stuff with at home.","start_word":5364,"end_word":5383,"sentiment":"negative","sentiment_score":-0.35405170917510986},{"text":"This stuff, no. It's fine. Yeah. So you're happy to maintain that eighty twenty split, have 80 across those top four where you see a lot more volatility, but over the long term growth? Yep. Okay.","start_word":5384,"end_word":5419,"sentiment":"neutral","sentiment_score":0.21097968518733975},{"text":"Alright. Lovely.","start_word":5420,"end_word":5421,"sentiment":"positive","sentiment_score":0.4422597885131836},{"text":"The next two documents are your certificates of currency from MetLife. So what these documents are showing you is that your insurance policies are enforced and Mhmm. who your beneficiaries are, which we will have that updated for you Yep. to be Timothy. And then the next document over is our financial services guide. So what that is is a legal document that we provide to clients. It explains who we are, the type of advice we're allowed to give, how we give it, an overview of our fee structure, and importantly, if you're unhappy with any advice or services you receive, the complaint's processed. And then the last document is your ongoing service agreement. Mhmm. So this is the fee that we charge you, and that's from your superannuation fund. And we it's a fixed fee. So previously, it was a percent based fee, which means each month that changed depending on the balance of the superannuation fund. So in a good month, we'd get paid more, and in a bad month, we'd get paid less.","start_word":5422,"end_word":5598,"sentiment":"neutral","sentiment_score":-0.02002650685608387},{"text":"We don't think that that's fair or reasonable to a client or very transparent.","start_word":5599,"end_word":5612,"sentiment":"negative","sentiment_score":-0.5435101389884949},{"text":"So what we've done is we're working through fixing client fees at the present moment to provide transparency and consistency in the in knowing what you're being charged. So just because a portfolio performs well, that doesn't mean that we should be paid more. It's Yeah. just so we've changed the fee structure to reflect the fixed fee. So you'll see on that document, the annual fee is $3,362.73 per annum. That's then broken down and divided by 12 and deducted monthly from your super fund, which equates to approximately $280.23 per month. Okay. Now what that covers is your ongoing reviews with us. For example, the the time and the changes that I'm gonna research and investigate to update your portfolio. Investigate to update your portfolio. You're not also limited to just one review per year. If you like I mentioned earlier, if you if you need to reach out for anything in relation to seeking advice, you just pick up the phone and do so. And that and that's your your fee is for that service, for us to be available Okay. for you to you.","start_word":5613,"end_word":5800,"sentiment":"neutral","sentiment_score":0.08798875659704208},{"text":"Thank you.","start_word":5801,"end_word":5802,"sentiment":"positive","sentiment_score":0.40607303380966187},{"text":"So any any questions about any of those documents? No. No. That No? was all fine. Thank you. I signed it. Oh, thank you. So I'm my action items from here is I'm gonna get some forms issued to you to change your beneficiary. Do you have access to a printer, or would you like me to post them? Mhmm. No. I've got access to a printer. That's fine. Okay. Alright. Well, I'll get those emailed out to you along with the estate planning brochure for you and Tim to have a look at. With your review frequency, are you happy to keep that as an annual review? Yes. For the time being, that's fine. Yeah. Okay. And the only other option that I did have here to talk to you about from a conversation with Veronica is that you she did mention that you looked at, SMAs. So that's a type of investment option held in superannuation, where the portfolio is invested, but changes are done in the background by the investment committee with when chain when changes need to be made.","start_word":5803,"end_word":5985,"sentiment":"neutral","sentiment_score":0.11773122102022172},{"text":"SMAs can I can definitely look at the SMA option for you and compare that against the cost of your current portfolio and make a recommendation based on that?","start_word":5986,"end_word":6014,"sentiment":"positive","sentiment_score":0.35233673453330994},{"text":"But what an SMA does is it just it provides more flexibility for quick changes should they need to be made by the investment committee and the transparency. So when you log in, for example, in your hub account, instead of seeing those listed investment funds, you will own certain shares within those funds that will be applicable to you Okay. within I your think super it was more annuation we were looking fund. at a property. More property. Property? Yeah. Let Buying a let property when we're looking at all of that. okay. Let me have a quick sticky beak this other option. Yeah. It just said SMA, but we can definitely talk about property if that's something that you wanted to talk about. Yeah. Not at Be the moment. be Hey. There's too yeah. much going on. I just wanna leave. Yeah. I don't have I to understand. explain for it, though. Thank you. Yeah. I understand completely. Alright. So I'm gonna probably reach out in I can probably book it in now if you have time for about two weeks' time so I can just present the changes to you to make to that superannuation fund. Would that be okay? Yes. Two weeks. One, two, eight. I hope it takes October 8. Is that correct? Yeah. Correct. Did you have any afternoon availability at all on that day? I've got lots of dogs. It doesn't have to be the eight on the dot. It could be just sometime that week if you like. I can I can be pretty flexible with The next timing? the next week would probably be better if that's okay. Yes. Of And course. I can do any afternoon by Thursday. Okay. Do you want around the same time that we did this morning on Thursday, the fifteenth? Yeah.","start_word":6015,"end_word":6320,"sentiment":"neutral","sentiment_score":0.08101587742567062},{"text":"That would be great. Okay. Fantastic. I'll book that in, and I'll send you through a calendar invite so you've got that.","start_word":6321,"end_word":6342,"sentiment":"positive","sentiment_score":0.4569050967693329},{"text":"Okay.","start_word":6343,"end_word":6343,"sentiment":"neutral","sentiment_score":0.2874254584312439},{"text":"Thank you very much.","start_word":6344,"end_word":6347,"sentiment":"positive","sentiment_score":0.4400397837162018},{"text":"Hopefully, I'm in better spirits then. I'm sorry. Oh, no, Lee. I completely understand. The financial stress that everyone's experiencing at the moment is it it's widespread. Yes. And I know.","start_word":6348,"end_word":6378,"sentiment":"neutral","sentiment_score":-0.1272602023616914},{"text":"And our stupid government don't help it. They just make things yeah. worse.","start_word":6379,"end_word":6391,"sentiment":"negative","sentiment_score":-0.5083774924278259},{"text":"Anyway Yeah. I'm sorry okay. that we Well, can't it was do anything further with that's that's okay.","start_word":6392,"end_word":6409,"sentiment":"neutral","sentiment_score":-0.09299331158399582},{"text":"Thank you. And it was really lovely to speak to you that. and to meet you, so I appreciate It was lovely your time. just oh, anytime. It was lovely to speak with you, and I look forward to speaking to you again in Perfect. Thank a few you very much. weeks. Enjoy your day. Thanks, Jenny. You too. Have a great day. Bye. You too.","start_word":6410,"end_word":6475,"sentiment":"positive","sentiment_score":0.6684744954109192},{"text":"Bye. Bye. Bye.","start_word":6476,"end_word":6478,"sentiment":"neutral","sentiment_score":0.19694556295871735}],"average":{"sentiment":"neutral","sentiment_score":0.0274435042911764}}}}